BOB Bank Net Banking – Everything You Need to Know About Online Banking

Rajesh is a small businessman who found it smarter to conduct his daily banking with the Bank of Baroda. With BOB World Internet giving him access to over 240 services 24/7, he could check his account balance, pay his bills, and transfer funds, without visiting the bank. This shift to digital banking not only saved his time but also helped him stay on top of his business needs.

According to the World Bank's latest report, India's digital growth is helping entrepreneurs thrive by making business processes faster and more efficient. With this digital boom, India is slowly and steadily making it easier for entrepreneurs like Rajesh to run their businesses more efficiently. They can use technology to get access to banking services anytime they want, manage finances with ease, and reach a larger audience. 

BOB's net banking service helps entrepreneurs handle all their daily banking tasks without hassle. With over 240 services available at any time, it allows entrepreneurs to take care of their finances, manage accounts, pay bills, and make transfers without stepping into a branch. It's all about using technology to achieve financial success.

What is BOB Bank?

Bank of Baroda was established in the year 1908 by the Maharaja of Baroda. It became a nationalised bank in 1969. The head office is located in Vadodara, Gujarat. Bank of Baroda is one of the two largest public sector banks in India. Loan facilities, Insurance digital banking facilities are provided by BOB. The bank has over 20 branches in other countries, and the logo of this bank is called Baroda Sun. It depicts optimism.

Services offered by BOB Bank Net Banking

Here’s the information about services offered by BOB Bank Net Banking in a table format

Benefits of using BOB Bank Net Banking

Here are the advantages of BOB net banking

1. Free services: All the net banking services are free.
   
2. Quick fund transfers: Funds can be transferred to BOB or any other account using IMPS, NEFT, or RTGS.
3. Bill payments: Utility bills like electricity, gas, mobile, broadband, DTH, credit card bills, and taxes can be paid.
4. Ticket bookings: Airline and railway tickets can be booked online.
5. Debit Card Management: generation of debit card, change of PIN and restriction/blocking of the debit card.
6. Chequebook request: You can request a chequebook online.
7. Bulk: Create or cancel the bulk.
8. Tuition fee payments: Payments that amount to more than 125 institutes / schools; pay online.
9. IPO subscription: Pay subscription to the IPO.
10. Loan application: Apply for a Loan.
11. Credit Score: Check your Free Credit Score.

How to open a zero-balance account in BOB online

Required Documents to Open the Bank of Baroda Zero Balance Account Both in Online and Offline Applications

• Passport-size photographs
• ID proof like an Aadhaar card, PAN card, passport, voter's card, license to drive, or any photograph ID given by the government
• Address proof like an Aadhaar card, PAN card, utility bills, rent agreement, or bank statement.

To open a Zero Balance account with the Bank of Baroda, you must meet the following criteria

• You should be an Indian citizen aged above 18 years.
• You must have a valid government-approved ID and proof of residence.
• A legal guardian or parent can open an account for a minor.

Here’s the step-by-step process to open a zero-balance account in BOB Bank online

1. Visit the official website of BOB.
2. Click on ‘Accounts’, and select ‘Savings Account’ from the drop-down menu.
3. Click on ‘bob LITE Savings Account’.
4. Click on ‘Apply Online’.
5. Select the type of account and click on ‘Continue’.
6. Read the instructions and click on ‘Yes’.
7. Select language and click on ‘Proceed’.
8. Enter your mobile number linked with your Aadhar card, and an OTP will be sent to your mobile number.
9. Enter the OTP received on your mobile number.
10. Enter your Email ID, a link will be sent to your Email ID to verify it.
11. Agree to the terms and conditions by clicking on ‘Accept’, then click on ‘Next’.
12. Enter your PAN and Aadhar card details (like Aadhar card number, PAN number, name, DOB), and click on ‘Next’.
13. Enter the OTP received on your registered mobile number and click on ‘Next’.
14. Verify your address, select your branch and account type, and click on ‘Proceed’.
15. Enter your details, nominee details, and job details, and click on ‘Proceed’.
16. Select the additional services and click on ‘Next’.
17. Recheck all the details and click on ‘Submit Application’.
18. On the next page, a URN number is generated. Keep this URN number safe.
19. Then the process of video KYC will start.
    
    

Here’s the step-by-step process to open a zero-balance account in BOB Bank offline

1. Visit the nearest Bank of Baroda branch.
2. Request to open a zero-balance account application form from the bank staff.
3. Complete the form with accurate details such as your name, address, phone number, etc. 
4. Submit the form along with the documents like PAN, Aadhaar, and identity proofs.
5. Include the details of your nominee and submit the form along with the required documents.
6. Once the bank verifies your details, your zero-balance account will be activated.

What is the daily limit of a BoB zero-balance account?

The daily transaction limit for a Bank of Baroda zero-balance account is Rs. 50,000 for cash withdrawals.

How to register for BOB Bank Net Banking?

1. Visit the official website of BOB Net Banking.
2. Click on ‘Login’ on the top right corner of the page in the blue bar.
3. Click on the 1st option, ‘BOB World Internet (Net Banking) India’.
4. On the login page, enter your User ID; if you don’t know your User ID, then click on ‘Forgot User ID’.
5. Enter your account number and email ID, and click on ‘Continue’.
6. Enter the OTP received on your registered mobile number and click on ‘Continue’.
7. You will receive your user ID on your mobile number and email ID.
8. Now again, go to the login page, enter your user ID, and then click on ‘Login’.
9. Now click on ‘Set Password/Forgot Password’.
10. Tick on ‘Regenerate Password’, and click on ‘Continue’.
11. Enter your mobile number and click on ‘Continue’.
12. Enter the OTP received on your mobile number and email ID, and click on ‘Continue’.
13. Tick on ‘Reset Sign in & Transaction Password’ and click on ‘Continue’.
14. Set both your sign-in password and transaction password and click on ‘Submit’.
15. Now again, go to the login page, enter your user ID, and click on ‘Login’.
16. Enter your sign-in password, and captcha and click on ‘Login’.
17. Click on ‘Enroll Now’.
18. Set your security questions and answers.
19. Scroll down a bit, set your new sign-on password and transaction password, then click on ‘Register’.
20. Now again, go to the login page, enter your user ID, and click on ‘Login’.
21. Enter your registered mobile number and click on ‘Continue’.
22. Enter the OTP received on your registered mobile number and click on ‘Continue’.
23. Enter your sign-on password and captcha, then click on ‘Login’.
24. You’ve successfully registered into BOB Bank net banking.

Now, you can easily log into BOB Bank Net Banking

1. Visit the official website of BOB Net Banking.
2. Click on ‘Login’ on the top right corner of the page in the blue bar.
3. Click on the 1st option, ‘bob World Internet (Net Banking) India’.
4. On the login page, enter your user ID and click on ‘Login’.
5. Enter your mobile number and click on ‘Continue’.
6. Enter the OTP received on your registered mobile number and click on ‘Continue’.
7. Enter the net banking password, and captcha, and click on ‘Login’.

Disclaimer: If you don't remember your USER ID, then call the customer care of BOB Bank (1800-5700). Or, you can find the message when you register your account in the BOB bank. That message will contain your USER ID and password for login.

How to check bank balance through BOB Net Banking?

1. Visit the official website of BOB Net Banking.
2. Log into your BOB net banking account (refer to the login steps above if needed).
3. Select ‘Operative Accounts’ under the Accounts option.
4. Click on the ‘3 dots’ symbol on the top right corner of the page.
5. Select the ‘View Account’ option.
6. You can see your BOB account balance on the screen.

How to reset the password of BOB Bank Net Banking?

1. Visit the official website of BOB Net Banking.
2. Click on ‘Login’ on the top right corner of the page in the blue bar.
3. Click on the 1st option, ‘BOB World Internet (Net Banking) India.’
4. On the login page, enter your user ID and click on ‘Login.’
5. On the next page, click on the ‘Set Password/Forgot Password’ option.
6. Enter your user ID and mobile number and click on ‘Continue.’
7. Enter the OTP received on your mobile number and email ID and click on ‘Continue.’
8. Select ‘Reset Signon & Transaction Password’ and click on the ‘Continue’ button.
9. Enter the passwords and click on the ‘Submit’ button.

BOB Bank Net Banking Customer Care

Here are the customer care contact details for Bank of Baroda (BOB)

Toll-free numbers (available 24/7)

• 1800 5700
• 1800 5000

Other important numbers

• For international calls: +91 79-66296009
• For PMJDY and financial inclusion schemes: 1800 102 77 88
• For unauthorized transactions: 1800 102 5627
• For balance inquiry: 8468001111
• For mini statement: 8468001122
• For CKYC ID: 7799022129

You can also reach BOB customer care by email:

• crm@bobcards.com
• escalations@bobfinancial.com

How to transfer funds via BOB Bank Net Banking?

BOB Net Banking users can send money to others through NEFT, RTGS, or IMPS services. While making a fund transfer, an individual needs to add a beneficiary, which includes entering the account number and IFSC code, as well as details about the bank and branch names.

Here’s a step-by-step process on how to transfer funds via NEFT

1. Visit the official website of BOB Net Banking.
2. Click on ‘Login’ on the top right corner of the page in the blue bar.
3. Click on the 1st option ‘BOB World Internet (Net Banking) India.’
4. On the login page, enter your User ID and click on ‘Login.’
5. Enter your mobile number and click on ‘Continue.’
6. Enter the OTP received on your registered mobile number and click on ‘Continue.’
7. Enter the net banking password and captcha, and click on ‘Login.’
8. Click on the ‘NEFT’ option under ‘Funds Transfer.’
9. Click on the ‘Add Beneficiary’ option.
10. Fill in the beneficiary details (like beneficiary name, beneficiary account number, IFSC code), and click on ‘Confirm’.
11. Adding a new beneficiary takes 30 minutes.
12. Once the process is complete, you can transfer funds by selecting the beneficiary's name.
13. For your first NEFT transaction, you may be asked to enter an OTP.
14. Enter the OTP received on your registered mobile number and click on ‘Confirm.’
15. After the amount is transferred, you will receive a confirmation SMS.

Charges on transferring funds via NEFT

Here is the information about the charges for transferring funds via NEFT

Limit on transferring funds via NEFT in Bank of Baroda (BOB)

Here’s a step-by-step process on how to transfer funds via RTGS

1. Visit the official website of BOB net banking.
2. Log into BOB net banking account (refer to the login steps above if needed).
3. Click on ‘Fund Transfer’ under the Payment/Transfer button.
4. Choose ‘RTGS’ and click on the ‘Proceed’ button.
5. Choose the account from which the funds will be transferred.
6. Enter the amount, transfer reason, and beneficiary account details to complete the transaction.
7. Review all the details carefully before accepting the bank's terms and conditions.
8. Enter the OTP received on your registered mobile number and click on ‘Confirm’.
9. After the amount is transferred, you will receive a confirmation SMS.

Charges on transferring funds via RTGS

Here is the information in a table format with ₹

Do’s and Don’ts while using BOB Bank Net Banking

Do’s:

• You should have installed antivirus software on your computer with the latest update.
  
  
• Advanced web browsers should be installed to get good security while accessing the internet.
  
  
• Always type the complete URL address of the Internet Banking website of BOB.
  
  
• Login with valid login credentials, and you may change them periodically while performing any transactions.
  
  
• Dispose of any password mailer immediately after altering your password. Never write a password down; try to commit it to your mind instead.
  
  
• Carefully check before making any withdrawals or transfers of any amount.
  
  
• Monitor all online transaction alerts sent to your registered mobile. The suspect transaction alert is to be brought to the notice of barodaconnect@bankofbaroda.com, immediately.
  
  
• Access Internet banking through your personal, private computer.
  
  
• If your mobile is lost, call our toll-free numbers at 1800 22 33 44, 1800 102 44 55, / 1800 258 44 55 for deactivation of access to internet banking.
  
  
• Access your Internet banking account from a cyber café or any shared computer.
  
  
• Report to us in a few hours if there have been any unauthorized transactions through our toll-free contact numbers, 1800 22 33 44, 1800 102 44 55, / 1800 258 44 55, to restrict internet banking facilities.
  
  
• Your mobile number has a Tracker ID attached with Beneficiary Registration which will be provided to you. Under no condition, hand over this ID.
  
  
• Do not share your One Time Passwords with anyone.

Don’ts:

• Do not leave your computer unless you have logged out.
  
  
• Do not write or store your passwords anywhere.
  
  
• Never share your password because the bank will never ask for it. Never open emails asking for your password because this might be phishing.
  
  
• Do not respond to emails that ask for personal details. The bank does not send requests for information such as User ID, password, One-Time Password (OTP), Tracker ID, or security question answers through emails or calls at Bank of Baroda.
  
  
• Do not use easily guessed passwords, which include the names of your spouse, children, or important dates, such as anniversaries or birthdays.
  
  
• Do not click the submit/enter button twice while using internet banking. Wait until the page has loaded fully.

How to register in BOB bank mobile banking?

Through the mobile banking app

1. Download ‘BOB world’ from the Google Play Store or Apple Play Store.
2. Install the application on your device.
3. Open the app and allow all the terms and conditions.
4. Select the language and click on the ‘Proceed’ button.
5. Click on ‘Login’ under ‘Already a customer?’.
6. Select your mobile number and click on ‘Confirm.’
7. Verify your mobile number and click on ‘Confirm.’
8. Enter the OTP received on your registered mobile number and click on ‘Verify.’
9. Enter the 4-digit activation key received on your mobile number, agree to the terms and conditions, then click on ‘Proceed.’
10. Create your transaction PIN and click on ‘Next.’
11. Create your 4-digit Login PIN and click on ‘Submit.’
12. You’ve successfully registered into BOB bank net banking.

Now, you can easily log into ‘BOB World’ app

1. Download ‘BOB world’ from the Google Play Store or Apple Play Store.
2. Install the application on your device.
3. Open the app and click on ‘Proceed to Login’.
4. Enter your 4-digit login PIN.
5. You’ve successfully logged into the ‘Bob World’ app.

How to avail services through SMS and Calls in BOB Bank Net Banking?

Here is the information about Bank of Baroda's (BOB) SMS and missed call services in a table format

Conclusion

The digital banking experience provided by Bank of Baroda (BOB) is hassle-free, thanks to its user-friendly net banking and mobile banking facilities. Be it account management, fund transfer, bill payment, or ticket booking. BOB's over 240 services are an all-in-one banking solution available right from your home. 

BOB is now empowering small business owners like Rajesh and entrepreneurs across India through quick access and zero-balance account options. Embrace the future of banking, save time, and stay on top of your financial needs, all with Bank of Baroda's digital tools. 

FAQs related to BOB Bank Net Banking

Q1: What is the difference between e-banking and internet banking?

E-banking refers to an overall range of various electronic banking services provided to the public at large. Internet banking is a subset of e-banking; in other words, internet banking or online banking enables a customer to conduct banking activities such as depositing or withdrawing money over the internet.

Q2: How long does it take to activate internet banking in BOB?

After completing the registration process, you will get a success message. Within 24 hours after successful registration, your account details will be available.

Q3: What is the user ID for BOB Net Banking?

After entering the correct OTP, your USER ID will be sent to your registered email ID and mobile number.

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