What is the official website of the payment service?
https://www.bankofbaroda.in
- Direct message
- Leave a review
- Bookmark
- Share
- Report
- prev
- next
Where can I find the customer support contacts?
The customer support contacts are listed under 'Contact Us' at the bottom of the homepage.
What is the hotline phone number?
1800 5700 / 1800 102 4455 / 1800 258 4455
Is there a toll-free support number?
Toll-free support is available via 1800 102 4455 and 1800 258 4455 for customers across India.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Bank of Baroda provides different email contacts for NRI, cardholder, and grievance redressal, accessible via the website’s 'Contact Us' section.
Where can I find the online chat support?
Online chat support can be found at the bottom right corner of the homepage or within the mobile banking app.
Does the chat support work 24/7?
Online chat support typically operates 24/7 for general inquiries, but live agents may only be available during business hours.
Is there support through messengers (Telegram, WhatsApp)?
WhatsApp banking is available at +91 8433888777 for selected services; Telegram support is not currently indicated.
What are the support working hours?
Phone and branch support are available from 10:00AM to 5:00PM IST, Monday to Saturday; online channels may be more flexible.
Does support work on weekends and holidays?
Online and phone support may be available on weekends; branch support is closed on public holidays and Sundays.
Are there regional offices for in-person visits?
Bank of Baroda has a wide network of regional and branch offices across India and internationally.
Where are the physical offices located?
Offices are located throughout India; global branches are present in major cities worldwide. Location details are on the website.
Can I schedule a personal meeting?
Meetings can be scheduled by visiting a branch or contacting local bank staff; online appointment systems may be available for select offices.
Are there representatives in different countries?
Bank of Baroda maintains branches in the UAE, UK, USA, and other countries with representative offices.
In which languages is support available?
Customer support is available in English, Hindi, and regional Indian languages.
How quickly does support respond to requests?
Response times vary by channel; phone queries are answered instantly, while email and social media may take up to 24 hours.
Is there a priority system for VIP clients?
Priority banking with enhanced support is available for premium and HNI clients.
Can I request a callback?
Callback requests can be made via website forms or customer service numbers; scheduling is subject to branch availability.
When was the payment service founded?
Bank of Baroda was founded in 1908.
Who is the founder and owner of the service?
Maharaja Sayajirao Gaekwad III founded Bank of Baroda, now owned by the Indian government.
What is the development history of the payment service?
Key milestones include starting as a traditional bank in 1908, expanding overseas in 1953, nationalization in 1969, merger with other banks in 2019, and ongoing digital service enhancements.
Have there been major updates or rebranding?
Major updates include a branding refresh in 2004 and the amalgamation of Dena Bank and Vijaya Bank in 2019.
Who sits on the company's board of directors?
The board includes government-appointed directors and executives; details are listed on the official website under 'Board of Directors'.
Are there investors or partners in the service?
Main stakeholder is the Government of India; partners include insurance and financial service providers.
Does the company participate in stock trading?
Bank of Baroda is publicly listed on NSE and BSE in India.
What is the company's market capitalization?
Market capitalization fluctuates; as of August 2025, it is approximately ₹120,000 crore.
Are there subsidiary companies or branches?
Subsidiaries include Baroda Asset Management, BOB Financial, and extensive national and foreign branches.
What licenses does the payment service have?
Bank of Baroda holds a banking license from Reserve Bank of India; overseas branches have country-specific licenses.
In which jurisdictions does the service operate officially?
Bank of Baroda operates in India, UK, USA, UAE, and select other countries.
Are there licenses for cryptocurrency operations?
Bank of Baroda does not currently offer licensed cryptocurrency operations.
Does the service comply with AML/KYC requirements?
The bank fully complies with RBI-mandated AML/KYC norms for customer onboarding and transactions.
Are there security certificates (PCI DSS, etc.)?
PCI DSS certification is standard for card operations; the bank holds required ISO and IT security certifications.
Has the service undergone security audits?
Regular internal and external security audits are conducted to ensure compliance, with findings officially documented.
Is there insurance for client funds?
Deposits up to ₹5 lakh are insured under the DICGC scheme in India.
Which international standards does it comply with?
The bank adheres to ISO 27001, PCI DSS, and SWIFT standards for digital and banking operations.
Have there been any regulatory fines or violations?
Instances of minor fines by RBI have occurred, generally related to operational lapses; major violations are rare.
Where can I find real reviews about the service?
Real user reviews are available on Google Play Store, Apple App Store, Trustpilot, and consumer websites.
What are the main user complaints?
Common complaints include delays in transaction processing, customer service wait times, and issues with mobile app usability.
What do users most often praise the service for?
Users frequently praise nationwide accessibility, diverse branch network, and strong government backing.
Are there issues with fund withdrawals?
Occasional delays are reported, mainly for large transfers or technical downtimes, but generally resolved within mandated timelines.
Is the interface convenient according to users?
Users rate the digital interface as moderately convenient, with some recommending improvements for the mobile app’s UX.
Are clients satisfied with transaction speed?
Most customers report quick transactions for domestic transfers; interbank and international transfers can take longer.
Do users recommend this service?
A majority recommend Bank of Baroda for security and national presence, though some cite areas for digital service improvement.
How do experts assess the service's reliability?
Financial industry analysts assess Bank of Baroda as reliable and stable due to its government backing and compliance standards.
Are there industry awards and recognitions?
Bank of Baroda has received awards for banking excellence, digital innovation, and customer satisfaction from industry bodies.
Does the service participate in payment system rankings?
Bank of Baroda consistently ranks among top Indian banks in RBI and independent payment system rankings.
Are there recommendations from financial regulators?
Regulators endorse Bank of Baroda for its regulatory compliance, wide customer base, and risk management practices.
What reputation does the service have among partners?
Partners and business merchants view Bank of Baroda as trustworthy and dependable for financial and payment solutions.
How do they evaluate solution innovation?
Experts cite steady advancements in digital banking, UPI integration, and fintech partnerships.
Are there quality service certificates?
The bank holds ISO 9001 and ISO 27001 certifications and other service excellence awards.
Does the company participate in industry conferences?
Bank of Baroda regularly participates in financial, banking technology, and payment industry conferences.
How does the service position itself in the market?
It positions as a full-service public sector bank, focusing on digital transformation and broad customer reach.
Which fiat currencies does the service support?
Primarily Indian Rupees (INR); foreign branches support local currencies such as USD, GBP, and AED.
Are cryptocurrencies supported? Which ones specifically?
Bank of Baroda does not support cryptocurrencies for transactions or account funding.
Is there a proprietary cryptocurrency or token?
There is no proprietary cryptocurrency or token associated with the bank.
Can currencies be converted within the service?
Currency conversion is available for international branches and accounts; forex rates apply.
What exchange rates are used for conversion?
The bank uses prevailing interbank forex rates with an additional margin for conversion.
How often are exchange rates updated?
Exchange rates are updated multiple times daily according to market fluctuations.
Are stablecoins supported?
Stablecoins are not supported by Bank of Baroda.
Can exotic currencies be handled?
Limited exotic currency transactions are processed for international banking needs; check with specific branches for details.
Are there currency restrictions in different countries?
Currency transaction restrictions follow local regulation and RBI guidelines.
What types of transfers does the service support?
Supports NEFT, RTGS, IMPS, UPI, SWIFT, and proprietary domestic and international money transfer services.
Can transfers be made between service users?
Account-to-account and UPI transfers between Bank of Baroda users are supported.
Are transfers to bank cards supported?
Domestic card transfers are available; international card transfers depend on partner networks.
Can money be transferred to bank accounts?
Funds can be transferred to other Indian and international bank accounts via NEFT, RTGS, SWIFT, and UPI.
Is bill payment available?
Supports payment of utility bills, taxes, and service provider dues via online and mobile platforms.
Are recurring payments supported?
Recurring payments such as EMIs, SIPs, and utility bills can be set up via standing instructions.
Can automatic transfers be set up?
Scheduled and automated transfers are possible through net banking and mobile apps.
Is payment scheduling available?
Payment scheduling for future dated transfers is supported through online channels.
Are group payments supported?
Group payments and split payments are managed using UPI-enabled apps and partner platforms.
Can payment links be created?
Payment link generation is available via mobile banking and UPI merchant solutions.
What are the minimum transaction amounts in the service?
Minimum amounts vary: typically ₹1 for UPI/NEFT/IMPS; may be higher for SWIFT or foreign currency transfers.
What are the maximum amounts that can be transferred?
Maximum transfer limits are ₹2 lakh for IMPS, ₹10 lakh for NEFT/RTGS, with higher limits for verified corporate users.
Are there daily limits on operations?
Daily transaction limits apply for UPI, IMPS, and other services; limits can be viewed in netbanking settings.
What monthly and annual limits are in effect?
Monthly and annual limits depend on account type, verification status, and RBI guidelines.
Can limits be increased? How?
Limits can be increased by submitting a request and completing enhanced verification at a branch.
Do limits differ for verified users?
Verified users receive higher transaction ceilings compared to non-verified or new users.
Are there restrictions for new accounts?
New accounts have lower transaction limits and restricted access until verification is completed.
Do special limits apply in different countries?
International branches impose limits inline with local regulations and account risk assessment.
Can operations be temporarily blocked?
Accounts or operations can be temporarily blocked due to suspicious activity or at customer’s request.
Are there limits on the number of daily operations?
Limits exist based on transaction type and customer profile; excessive usage may trigger compliance checks.
What are the minimum amounts for account funding?
Bank transfer/cheque funding minimums generally start at ₹1; cash deposit minimums may be stipulated at branches.
What methods of funding are supported?
Bank transfers, cash deposits, cheque deposits, UPI, debit/credit cards, and third-party payment systems.
Are there fees for funding?
Funding via branch or bank transfer is typically free; third-party methods may incur nominal service fees.
What are the minimum funding amounts?
Minimum amounts for funding are generally ₹1 via UPI and bank transfer; cheque/cash may be subject to branch policy.
How quickly are funds credited when funding?
Bank transfers and UPI are credited instantly; cheque deposits may take 2-3 business days.
How can money be withdrawn from the system?
Withdrawals via ATM, branch cash counter, NEFT/IMPS/RTGS transfers, or account-to-account transfer.
Are there fees for fund withdrawal?
ATM and online withdrawals are generally free, but exceeding monthly limits or interbank may incur charges.
How long does withdrawal take?
ATM and online withdrawals are instant; cheque withdrawals and demand drafts may require 2-4 business days.
What withdrawal limits are set?
ATM daily withdrawal limits are usually ₹20,000–₹50,000; online transfer limits depend on the transaction type.
How quickly are funds credited when funding with a card?
Card funding via debit is instant; credit card payments are credited as per bank’s processing schedule.
How long does a bank transfer take?
NEFT takes up to 2 hours, RTGS is instant, IMPS is instant, and UPI is real-time.
How quickly do cryptocurrency transfers arrive?
No cryptocurrency transfer support is available.
Are transfers between users instant?
UPI and IMPS between users are processed instantly.
Are there delays when funding on weekends?
Electronic transfers are processed on weekends; cheque deposits and some services may be delayed.
Do holidays affect funding speed?
Transactions may be delayed on bank holidays for branch and cheque-related services.
Can crediting be accelerated for a fee?
Express crediting is not commonly offered; standard banking channels used.
What determines the speed of funding processing?
Channel, transaction type, verification level, and system status influence processing speed.
Are there notifications about funding status?
Notifications are sent via SMS, email, and app alerts for all incoming funds.
What to do if funding takes too long?
Contact customer support, check transaction status online, or lodge a complaint via available portals.
How quickly are withdrawal requests processed?
Online and ATM withdrawals are instant; other methods may take 1–4 business days.
How long does card withdrawal take?
ATM debit card withdrawals are instant; branch withdrawals may require identity verification.
How quickly do bank transfers arrive?
IMPS/UPI are instant; NEFT and RTGS effective within hours; SWIFT takes 1–3 days.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
ATMs and online systems work on weekends; branch or cheque withdrawals may be delayed.
Do holidays affect withdrawal speed?
Withdrawal processing in branches is paused on holidays; electronic channels generally remain available.
Can withdrawal be accelerated for an additional fee?
Express withdrawal services are not standard for retail clients.
What determines withdrawal processing time?
Channel used, time of submission, verification, and anti-fraud controls impact time.
Are there notifications about withdrawal status?
Status notifications provided via SMS/app/email for completed withdrawals.
Can a withdrawal request be canceled?
Online withdrawal cancellation is available until the transaction is processed; branch requests require in-person handling.
How to register with the payment service?
Register by opening an account at any branch or via the online portal; submit identity documents and complete KYC.
What data is needed to create an account?
Name, address, phone, email, identity proof (Aadhaar, PAN), and photograph.
Can registration be done without email?
Email is recommended but accounts can be opened using phone number and physical address.
Is phone confirmation required during registration?
Phone confirmation is required for online banking setup and security.
Are there age restrictions for registration?
Minimum age is 18 for most accounts, with minor accounts available under guardianship.
Can a corporate account be created?
Corporate accounts can be opened with company registration documents, board resolution, and authorized signatory details.
Is it required to provide real data?
Real personal or corporate data is required as per KYC norms.
Are there country restrictions for registration?
Only residents of India and eligible persons in foreign branch jurisdictions can open accounts.
How long does account activation take?
Activation is typically within 1-2 business days after verification is complete.
What verification levels exist?
Basic, enhanced (KYC), and premium verification; corporate accounts have additional compliance checks.
What documents are required for basic verification?
Aadhaar/PAN card, address proof, and passport-size photo.
Are documents needed for full verification?
Full verification requires identity, address, and sometimes income proof or corporate documents.
Are digital copies of documents accepted?
Digital/scan copies are accepted for online applications, with originals required for branch verification.
How long does the verification procedure take?
Verification takes 1–3 business days for most applicants.
Can the service be used without verification?
Unverified access is limited; basic viewing only without transaction capabilities.
What restrictions apply to unverified users?
Unverified users cannot perform transactions, transfers, or access full account features.
Is address confirmation required?
Address confirmation is required during KYC verification.
Is a selfie with documents required?
Photo KYC is standard; selfies may be required for digital onboarding.
How often do documents need to be updated?
Documents are updated as per regulatory norms, generally every few years or upon expiry/change of status.
What encryption technologies does the service use?
Industry-standard TLS/SSL encryption, 256-bit data security, and server-side protections.
Is two-factor authentication supported?
Two-factor authentication is enabled for online banking and mobile apps.
Are there SMS confirmations for operations?
SMS confirmations are used for transaction alerts and OTP authentication.
Is biometric authentication supported?
Mobile app supports fingerprint and Face ID for compatible devices.
Is blockchain technology used?
Blockchain is not currently used in Bank of Baroda's consumer banking operations.
Is there a multi-level security system?
Multi-layered security includes transaction monitoring, two-factor authentication, and continuous threat assessment.
How is user personal data protected?
Data protection follows RBI and India’s Data Protection Act guidelines, with encryption and strict access controls.
Is cold storage used for cryptocurrencies?
No cryptocurrency support, hence cold storage is not relevant.
Is there DDoS attack protection?
DDoS protection and network-level firewalls safeguard banking infrastructure.
Are regular security audits conducted?
Security audits are conducted annually and upon major system changes.
What anti-phishing protection measures are provided?
Anti-phishing warnings, transaction alerts, and secure login processes are in place.
Is there a suspicious activity detection system?
Real-time fraud detection and monitoring systems analyze account activities for anomalies.
How does the service combat money laundering?
AML teams monitor transactions, enforce regulatory thresholds, and report suspicious activities.
Is there blocking of suspicious accounts?
Accounts with suspicious activity are promptly blocked and investigated.
What to do when fraud is detected?
Contact customer support or visit branch immediately, submit complaint, and cooperate with investigation.
How to report suspicious activity?
Use app, online portal, or call hotline to report suspected account or transaction fraud.
Is there compensation for damage from fraudsters?
Compensation is assessed on a case-by-case basis per regulatory guidelines.
What user rights exist for disputed transactions?
Users have rights to dispute transactions, request investigations, and recover funds if found unauthorized.
How to dispute account blocking?
Submit appeal via customer service or visit the branch to provide required documents for review.
Is there insurance against cyber attacks?
Cyber security insurance may apply for certain business products; retail is covered by regulatory deposit protection.
What fees does the service charge for transfers?
Fees vary by method: UPI is free; NEFT/RTGS/IMPS and SWIFT have fixed and percentage charges.
Are there fees for account funding?
Standard bank funding is free; third-party funding may incur small fees.
Are fees charged for fund withdrawal?
ATM withdrawals within limit are free; extra withdrawals, interbank, or foreign transactions have fees.
Are there fees for currency conversion?
Currency conversion incurs service charge plus forex margin.
Are there fees for account inactivity?
Dormant accounts may incur inactivity fees after long periods without transactions.
Are there account maintenance fees?
Most savings accounts have no maintenance fee; some specialised accounts and services do.
Are fees charged for operation cancellation?
Canceled transactions may incur nominal charges as per banking terms.
Are there fees for expedited operations?
Express or premium services may attract additional charges.
Are there hidden fees?
Fee disclosures are transparent as per regulatory requirements; all fees are published in the tariff schedule.
How are fees calculated for large amounts?
Large transaction fees are based on slabs and percentage rates published in the bank’s tariff schedule.
Are there different tariff plans in the service?
Various account types have distinct service fee structures and tariff plans.
What advantages does VIP status provide?
VIP clients enjoy higher transfer limits, priority support, and exclusive offers.
How to get preferential conditions?
Preferential conditions are granted based on account type, status, or by applying for premium services.
Are there free operations per month?
Free transactions per month are offered on basic accounts, with limits on ATM and online transfers.
Are there discounts for active users?
Active users may receive reduced fees and promotional rates on banking services.
Are there corporate tariffs?
Corporate clients benefit from tailored tariffs, bulk payment discounts, and dedicated support.
Can individual conditions be obtained?
Custom terms may be negotiated for high-value or corporate accounts.
Do promotional codes work for fee reduction?
Promotional codes are occasionally offered on digital banking promotions.
Are there cashback programs?
Cashback is available on select debit/credit cards and promotional campaigns.
Are there discounts for transaction volumes?
Large volume corporate transactions can attract discounted rates by negotiation.
Is there an official mobile application?
The official mobile app is called "Bank of Baroda M-Connect Plus."
On which platforms is the application available?
Available on Android and iOS platforms.
What functions are available in the mobile application?
View balances, transfer funds, pay bills, manage UPI, and access digital banking features.
Does functionality differ from the web version?
Core functions are similar; some administrative actions and advanced features are web-only.
Is Touch ID/Face ID supported?
Touch ID and Face ID authentication are supported on compatible devices.
Can the application work offline?
The app requires internet connectivity for banking; select features like viewing cached account data may work offline.
Are there push notifications about operations?
Push notifications for transactions, security, and account updates are enabled.
Is dark theme supported?
Dark mode is available for the mobile app.
How often is the mobile application updated?
Updates are released every 1-2 months to patch bugs and add new features.
Are there beta versions of the application?
Beta versions are occasionally released for testing via Google Play and Apple TestFlight.
Is the web interface of the service convenient?
The web interface is regarded as user-friendly, with responsive menus and logical workflows.
Is responsive design supported?
Responsive design supports access on mobile, tablet, and desktop browsers.
In which languages is the interface available?
The platform is available in English, Hindi, and major regional Indian languages.
Is there a night mode for the website?
Night mode is available for the web interface.
Are hotkeys supported?
Limited hotkey support exists for navigation and accessibility.
Can data be exported?
Statements and transaction data can be exported in PDF and Excel formats.
Is there an API for developers?
APIs for banking and payments are available for corporate, merchant, and fintech integration.
Is integration with other services supported?
Integration is supported for UPI, billers, e-commerce, and business fintech platforms.
How often is the web interface updated?
The web interface is reviewed and updated every 1-2 months.
Are there virtual cards in the service?
Virtual debit cards are available for online purchases.
Can disposable cards be created?
Disposable virtual cards for single-use transactions are offered via the mobile app.
Is multi-currency account functionality supported?
Multi-currency accounts are available at select international branches only.
Are there investment products?
Investment products include mutual funds, fixed deposits, bonds, and insurance.
Can interest be earned on balance?
Savings and deposit accounts earn regulated interest; rates published periodically.
Are there credit products?
Credit offerings include personal, home, vehicle, and business loans.
Is P2P trading supported?
P2P trading is not directly offered; only standard banking and payment transfers.
Can cryptocurrencies be bought/sold?
Cryptocurrency trading and purchase is not supported.
Is there acquiring for business?
Merchant acquiring, POS/QR code solutions, and payment gateway services available.
Are mass payouts supported?
Corporate clients can process bulk payments and salary disbursements.
Is there a loyalty program in the service?
Loyalty programs exist for select cards and premium account customers.
How are bonus points earned?
Points are earned through card usage, bill payment, and promotional activity.
Is there cashback for operations?
Select debit/credit card transactions and campaigns provide cashback.
Are there referral programs?
Referral programs are occasionally launched for account opening and card adoption.
What privileges do VIP clients have?
VIP clients access dedicated RM, priority processing, and exclusive privileges.
Are there seasonal promotions and offers?
Seasonal campaigns offer bonuses, fee waivers, and loan rate discounts.
Can premium status be obtained?
Premium status is granted by meeting qualifying account or transaction thresholds.
Are there partner discounts?
Partner merchant discounts are available through card and loyalty programs.
Are there corporate loyalty programs?
Corporate loyalty programs incentivize business banking relationships.
Does the service allow operations with online casinos?
Transactions with licensed casinos are permitted, but subject to regulatory review.
Are there restrictions on gambling transactions?
Gambling transactions are monitored; restrictions apply per RBI and local laws.
Can accounts be blocked for casino play?
Accounts may be blocked if suspicious gambling patterns or regulatory breaches are detected.
How does the service view gambling?
Bank of Baroda adheres strictly to RBI guidelines and local law regarding gambling transactions.
Are there special conditions for gambling?
No specific incentives; normal banking and compliance rules apply.
Are casino transactions tracked?
Gambling transactions are tracked for regulatory compliance and anti-money laundering purposes.
Can operations with gambling sites be hidden?
Transactions are shown in account histories; privacy cannot be guaranteed for such payments.
Are there notifications about gambling expenses?
Spending on gambling sites is notified as with any other transaction.
Are there special fees for gambling operations?
Standard transfer fees apply; additional charges are unlikely.
Can limits be set on gambling?
Spending limits can be set on cards/accounts for gambling transactions.
Is there a self-exclusion function?
Self-exclusion for casino or gambling transactions is available on request.
Can access to gambling sites be restricted?
Access can be requested to be blocked for cards; ultimate restriction depends on payment networks.
Is gambling expense control supported?
Expense controls and alerts can be configured via online banking.
Are there notifications about limit exceedance?
Notifications are sent for exceeding set spending limits, including gambling transactions.
Can operations with casinos be blocked?
Card transactions at casinos can be blocked on request or if suspicious activity is detected.
Is there gambling expense statistics?
Expense breakdown and analytics are available within account statements.
Is a "cooling-off period" supported?
Manual freezing of accounts or cards for self-imposed cooling-off is supported.
Can help be obtained for gambling addiction?
Referrals to professional help and counseling may be available upon request.
Is there partnership with player assistance organizations?
No formal partnerships with gambling support organizations at present.
How to set up gambling expense notifications?
Notifications for transactions and limits can be configured in the mobile or web banking app.
Which online casinos accept this payment method?
Most legal Indian and international casinos accepting bank transfers list Bank of Baroda as an option.
Are there exclusive partnerships with specific casinos?
No exclusive casino partnerships disclosed.
Do conditions differ when used in different casinos?
Transaction processing times and fees may vary by casino and location.
Are there special bonuses for using this method in casinos?
Special bonuses are not offered for casino transactions via Bank of Baroda.
Can the method be used for both deposits and withdrawals in casinos?
Support for casino-related bank transfers generally covers both deposits and withdrawals.
Are there geographic restrictions for casino usage?
Usage is restricted as per local laws; users in India must comply with RBI and state regulations.
How do casino operators typically process transactions from this method?
Casino operators process transfers via standard bank and SWIFT channels; usually requiring account validation.
Are there typical processing times when used with casinos?
Processing can take 1–3 business days for deposits or withdrawals via bank transfer.
Do casinos usually charge additional fees for this method?
Most casinos apply their own processing fees for bank transfers.
Are there any known compatibility issues with major casino platforms?
No serious compatibility issues reported; banking systems are standard and widely accepted.