-eligible investors who maintain a Bank of Baroda savings/current account, a Demat account with any Depository Participant and valid , and sufficient clear balance. Funds must come from the investor’s own account, not an overdraft, loan or third-party account.
The service is free. Blocked/lien-marked funds remain in the account and continue to earn interest according to the account type
only the allotted amount is debited after allotment finalisation.
is offered through all Bank of Baroda branches, Baroda Connect mobile banking, bob World net banking and . For issues, an investor may submit the physical form at the designated branch or apply online through internet/mobile banking.
is offered through Bank of Baroda branches and digital channels across its listed Indian State/UT network
24-hour self-service and cash-recycler network providing withdrawals, account information, transfers, remittances and card controls.
Bank of Baroda and eligible other-bank debit/ cardholders may use the machines. Bank of Baroda card withdrawals are capped at ₹15,000 per transaction, other-bank card withdrawals at ₹10,000 per transaction, and daily limits depend on the card variant.
Five transactions per month at Bank of Baroda are free
beyond that the published charges are ₹11.80 for financial transactions and ₹5.90 for non-financial transactions.
Bank of Baroda and cash-recycler machines accept , Visa, Mastercard, Discover, JCB and UnionPay cards
supports cardless withdrawal.
More than 11,000 Bank of Baroda and cash recyclers are set up across India, with 24-hour access subject to machine and network availability.
Corporate and government cash-management platform for payments, receivables, liquidity, treasury visibility, reconciliation and multi-channel transaction initiation.
The service is intended for corporate and government customers approved for Bank of Baroda cash-management services
portal access and integrations require registration and bank-issued credentials.
The reviewed Baroda DigiNext page describes the platform and its modules but does not publish a customer fee or schedule of charges.
Corporate Internet Banking portal, host-to-host SFTP, integrations, mDigiNext and other omni-channel connectivity
the portal supports dashboards, reports, alerts and authorisation workflows.
Bank of Baroda’s branch network and DigiNext connectivity support corporate and government cash-management operations across India, with pan-India receivables and branch access described on the page.
Omni-channel cash-management and connectivity solution for corporate and government customers, combining internet banking, host-to-host SFTP, , cash management, payment, receivables and liquidity tools.
The service is designed for Bank of Baroda corporate and government customers that need cash-management, payment, receivables, liquidity or system-integration capabilities. The page publishes no minimum turnover, account balance, transaction volume or other numeric threshold.
Value awaiting review
Corporate clients can use the DigiNext internet portal, host-to-host SFTP for secure system-to-system file exchange, or Banking for real-time transaction initiation and reconciliation.
Baroda DigiNext is supported by Bank of Baroda’s pan-India branch network. Corporate clients can use the DigiNext internet portal, host-to-host SFTP or Banking
the page publishes no state or territory exclusion.
Single online solution for foreign and inland trade transactions and remittances for individuals, with dashboards, real-time updates, /reports, notifications, alerts and due-date management.
The bank may extend SmartTrade to selected customers at its discretion. The applicant must be a current legal internet user with internet access and submit the prescribed signed application to the Bank of Baroda branch
the bank provides access only after its eligibility checks. Corporate applicants submit authority/workflow documents and, where applicable, a board resolution
joint retail accounts require authority signed by all account holders.
There is no charge for using BarodaINSTA SmartTrade at present. Separate transaction-related charges may still apply, including remittance, letter-of-credit or bank-guarantee processing charges, postage, courier charges and on forex conversion
the bank may introduce or change service charges.
BarodaINSTA SmartTrade web portal, accessed with bank-issued user and password
credentials are delivered to the registered email and mobile number and first-login password change is compulsory.
Bank of Baroda customers using the bank's internet portal
branch, account and service availability are subject to the bank's India terms and applicable law.
Customers need a biller supported by Bharat Connect and a Bank of Baroda, other-bank or approved digital/agent payment channel. Billers must belong to an approved category and can use Bank of Baroda as an operating unit for collection.
Digital-channel bill payments are free. At a Business Correspondent point, the charge is ₹2 plus in addition to the bill amount, except DTH, credit-card and -gas biller categories.
Bank of Baroda supports Bharat Connect through bob World, bob World Internet, Bank Mitra Kendra/Business Correspondent point, and bob e-pay for Bank and other-bank customers.
Bharat Connect provides interoperable bill payment access across India through physical and digital channels, with 24×7 bill payment and recharge availability stated by Bank of Baroda.
bob इ Pay app with domestic payments, bill pay, recharges, AutoPay, RuPay credit-card linking, merchant collections and international Global and foreign-inward-remittance features.
registration requires the app, a registered mobile number and eligible bank account/card authentication. services require an or account, a domestic mobile number and use within India
Global is listed for nine countries.
Value awaiting review
Android/iOS mobile app with scan-and-pay, /, contacts, bank accounts, RuPay credit cards, Tap & Pay, AutoPay, merchant /web/mobile/offline collection and international payments.
Global is listed in nine countries. Foreign inward remittance can be sent in SGD to a shared and credited directly in
UPI123PAY payments for feature phones without internet, including send money, balance enquiry, mini statement, and language controls.
-eligible Bank of Baroda account holders using a registered mobile number and feature phone
eligibility follows guidelines.
Nil.
call to 08045228222 from the registered mobile number
Hindi and English language support.
bob इ Pay|123PAY is offered in India through the Bank of Baroda service and is designed for feature-phone users, including customers in rural and remote areas
the registered mobile number must be linked to an eligible account.
Corporate mobile banking application and dedicated web portal for retail merchants, traders, and mid-sized corporates, including bulk payments, approvals, account services and term-deposit opening.
Current accounts (excluding , and individual current accounts), overdraft and cash-credit accounts with a corporate are eligible. Savings, loan and term-deposit accounts are not supported
dormant, inoperative, minor and illiterate-account profiles are also excluded.
Value awaiting review
Customers use the bob World Business mobile application or dedicated web portal. Registration is initiated through the app and completed with base-branch documents and an activation key sent to registered mobile numbers
fund transfers include own-account, within-bank, , , and Quick Transfer, while bulk transfers use the web portal.
The service is delivered through Bank of Baroda business accounts and the mobile/web platform
the official page publishes no state, country or territory exclusion.
Retail Central Bank Digital Currency () wallet for India’s digital rupee (e₹), supporting person-to-person and person-to-merchant payments, with an official cashback drive.
For the published drive, the customer must not have transacted in the app during the 30 days preceding 30 June 2026, then complete at least five successful P2P/P2M transactions of ₹50 or more during the drive. The top-250 reward requires at least 10 qualifying transactions.
Value awaiting review
bob World Digital Rupee wallet and -based P2P/P2M transactions through the Bank of Baroda digital-rupee application.
The digital rupee is India’s -issued legal tender for the retail segment and is held in an e₹ wallet issued by participating banks, including Bank of Baroda.
24/7 retail and corporate internet banking for balances, status, multiple-account management, transfers, cheque-book requests, liquidation and utility bills.
Retail and corporate Bank of Baroda customers
the service offers more than 260 banking services according to the official .
The official bob World Internet Banking page does not publish a customer subscription, transfer, registration or service-charge amount
applicable banking charges are not stated on the reviewed page.
Secure web internet-banking portal with retail and corporate login
debit-card registration is supported for retail users.
bob World Internet is available 24/7 through the secure online portal from a customer’s home or office, subject to Bank of Baroda account registration and internet access.
Online payment acceptance for businesses and institutions through debit/credit cards, (/), wallets and net banking via an aggregator covering 50+ banks.
Any corporate, society or organisation with a functional website, or intending to launch one, to sell products/services and accept online payments
the bank may reject an applicant. Businesses without a website or IT infrastructure can use Baroda Paypoint instead.
The merchant agreement contains the agreed fee structure and settlement terms
the current official page describes a low transaction fee but publishes no fixed rate, percentage or setup amount.
Merchants can accept debit and credit cards, through or code, wallets and net banking through an aggregator of 50+ banks. Baroda PayPoint provides a web/mobile online and offline collection route for businesses without a website or technical team
host-to-host configuration, dashboards and reports are also supported.
The gateway is offered to eligible corporate, society and organisation merchants
the page publishes no state, country or territory restriction. It accepts plus nine foreign currencies, with merchant settlement in .
Professionals, sole proprietorships, partnerships/, public limited companies/, private limited companies, associations/trusts/clubs/societies and NGOs/charitable trusts.
Value awaiting review
Merchants can accept debit, credit and prepaid cards plus on Bank of Baroda-partnered Android, GPRS and pocket terminals. Digital onboarding with e-sign and e-stamp is available, and dynamic , tap-and-pay, barcode/IMEI scanning and integrated billing are supported.
The service is offered to the listed professional, business, company, public-sector, association, trust and NGO merchant types through Bank of Baroda branches and digital onboarding. The page publishes no state, country or territory restriction.
Assisted tablet-based digital onboarding platform for paperless Savings, Current, and Self Help Group account opening, plus bundled banking, card, insurance, merchant and loan services.
The live-tab list covers individual/sole-proprietor and partnership/company current-account schemes, and schemes including Self Help Group-General and -Women Empowerment Programme.
The reviewed bob World Tab page describes digital onboarding and bundled services but does not publish a separate Tab platform fee or charge schedule.
Branch-assisted tablet onboarding supports Aadhaar plus , Aadhaar plus biometric and Registry search/download. Bundled routes include bob World, internet banking, alerts, statements, personalised debit card and cheque book, WhatsApp registration and additional digital products.
bob World Tab is Bank of Baroda’s branch and customer onboarding platform in India, covering listed Savings, , Current and schemes available through Tab Banking.
Taxpayers and other customers making Income Tax or other direct-tax payments with a /TAN challan generated on the Income Tax Portal ( 2.0).
Value awaiting review
Customers generate a challan on the Income Tax Portal/2.0 using /TAN details and can pay through retail internet banking, corporate internet banking or over the counter at any Bank of Baroda branch using cash, cheque or any-bank demand draft.
All Bank of Baroda branches are authorised to collect over-the-counter challans under the stated 2.0 process.
Centrally managed digital-signage system using industrial LED screens and an attached media player to display bank information in high-footfall premises.
DSS is intended for Bank of Baroda banking halls, lobbies and offices with high public footfall
content distribution and monitoring are centrally controlled.
The product page describes an internal bank communication system and does not publish a customer fee or tariff for it.
Content is pushed from a central server to installed LED screens for immediate or scheduled display, with audio-visuals, 2D animation, text tickers, images and regional-language content
supported formats include SWF, JPEG and bitmap.
The bank states that centrally controlled content can be pushed to selected DSS installations pan-India.
Employers can pay employee-insurance contributions through the Portal by selecting Bank of Baroda Net Banking, which redirects to the Bank's internet-banking portal.
Value awaiting review
Employers start an contribution payment on the Portal, select Bank of Baroda Net Banking and are redirected to the Bank’s Internet Banking Portal.
Reloadable RFID toll tag linked to a prepaid account for automatic cashless toll deductions on national highways.
Vehicle owners and highway users applying online or through a Bank of Baroda branch.
Current Annexure I charges: issuance fee ₹100 + for every vehicle class
refundable tag deposit is ₹200 for Class 4 and Class 20, and ₹100 for other classes
minimum first recharge is ₹100 for Class 4 and Class 20, ₹140 for Classes 5–6, and ₹300 for Classes 7–19. The published totals are ₹418 for Classes 4/20, ₹358 for Classes 5/6 and ₹518 for Classes 7–19 (including applicable on the ₹100 issuance fee). Replacement is ₹100 + , shown as ₹118, for Class 4/Class 20 and all other vehicle classes. , government levies and future service charges apply as notified
tag deposits are refunded on account closure and listed charges are subject to change.
Online purchase, FASTag customer portal, , credit/debit card, net banking, mobile banking and branch support.
National highways across India under the / FASTag programme.
Investors must follow the selected mutual-fund scheme’s offer documents and risk disclosures. The page states that can invest through or accounts with additional compliance/documentation
it also publishes access from ₹500 per month and describes ₹5,000 as a lump-sum ticket in its comparison .
Value awaiting review
Customers can invest through World mobile banking, internet banking or a transaction request form, and can set up , STPs or standing instructions.
The customer needs the loan and debit-account details, a valid registered mobile for , and either Internet Banking or an active Debit Card for authentication. The says Aadhaar and are required and that , account status, funds, card activation and correct credentials can affect registration.
The reviewed E-Mandate page does not publish a registration or service fee
the process is described as cost-efficient, while any separate loan, bank or telecom charges are not stated on this page.
Start from the Bank of Baroda e-Mandate link, validate the 14-digit loan account and last four registered-mobile digits with a 6-digit , complete the online form, then authenticate through Internet Banking or Debit Card on the BillDesk journey. Confirmation is emailed.
Bank of Baroda offers the e-Mandate journey online in India through National Automated Clearing House infrastructure and participating destination banks.
Taxpayers paying direct taxes or through an Income Tax Portal or challan
collection also accepts customers paying at a Bank of Baroda branch.
Value awaiting review
Direct-tax challans: bob World Internet, corporate internet banking and branch counter. : bob World Internet or over the counter at a branch using cash, cheque or demand draft
all Bank of Baroda branches are authorized for OTC challans.
All Bank of Baroda branches are authorised for over-the-counter challan collection and all branches are authorised to collect OTC challans. Internet Banking payment is available through bob World Internet
the page publishes no state or territory exclusion.
Conversational banking on WhatsApp for balance, statements, card controls, controls, nominee and beneficiary services, forex and calculators.
Bank customers using their registered mobile number
non-customers can explore products, offers, and branches. registration is available from selected international countries.
Bank of Baroda currently charges no fee for offering WhatsApp Banking or for registration. Telecom or data-plan charges may still apply. The bank reserves the right to introduce or change service fees by displaying the revised charges on its website.
WhatsApp chat via verified number 8433888777
voice commands are supported in the conversational interface.
Available in India and select international countries
multi-language support includes Hindi, English, Marathi and Gujarati.
Forex dealing/hedging, government-securities access, remittances, business digital banking and WhatsApp banking
Individuals, businesses, corporates, , importers/exporters, institutional investors and Union Bank customers, as applicable to each service
-Retail: Union Bank charges no extra fee
CCIL registration/transaction charges may apply. Other service fees are not consolidated on the reviewed product pages and follow the applicable Union Bank schedule.
-Retail web platform
Union Bank branches and digital channels
Union e-biz app
official WhatsApp UVConn
supported correspondent/remittance channels
India through Union Bank branches and supported digital/correspondent channels
-Retail supports / and major currency-pair workflows where the bank approves the customer limit
Forex dealing/hedging, government-securities access, remittances, business digital banking and WhatsApp banking
Individuals, businesses, corporates, , importers/exporters, institutional investors and Union Bank customers, as applicable to each service
-Retail: Union Bank charges no extra fee
CCIL registration/transaction charges may apply. Other service fees are not consolidated on the reviewed product pages and follow the applicable Union Bank schedule.
-Retail web platform
Union Bank branches and digital channels
Union e-biz app
official WhatsApp UVConn
supported correspondent/remittance channels
India through Union Bank branches and supported digital/correspondent channels
-Retail supports / and major currency-pair workflows where the bank approves the customer limit
Forex dealing/hedging, government-securities access, remittances, business digital banking and WhatsApp banking
Individuals, businesses, corporates, , importers/exporters, institutional investors and Union Bank customers, as applicable to each service
-Retail: Union Bank charges no extra fee
CCIL registration/transaction charges may apply. Other service fees are not consolidated on the reviewed product pages and follow the applicable Union Bank schedule.
-Retail web platform
Union Bank branches and digital channels
Union e-biz app
official WhatsApp UVConn
supported correspondent/remittance channels
India through Union Bank branches and supported digital/correspondent channels
-Retail supports / and major currency-pair workflows where the bank approves the customer limit
Forex dealing/hedging, government-securities access, remittances, business digital banking and WhatsApp banking
Individuals, businesses, corporates, , importers/exporters, institutional investors and Union Bank customers, as applicable to each service
-Retail: Union Bank charges no extra fee
CCIL registration/transaction charges may apply. Other service fees are not consolidated on the reviewed product pages and follow the applicable Union Bank schedule.
-Retail web platform
Union Bank branches and digital channels
Union e-biz app
official WhatsApp UVConn
supported correspondent/remittance channels
India through Union Bank branches and supported digital/correspondent channels
-Retail supports / and major currency-pair workflows where the bank approves the customer limit
Forex dealing/hedging, government-securities access, remittances, business digital banking and WhatsApp banking
Individuals, businesses, corporates, , importers/exporters, institutional investors and Union Bank customers, as applicable to each service
-Retail: Union Bank charges no extra fee
CCIL registration/transaction charges may apply. Other service fees are not consolidated on the reviewed product pages and follow the applicable Union Bank schedule.
-Retail web platform
Union Bank branches and digital channels
Union e-biz app
official WhatsApp UVConn
supported correspondent/remittance channels
India through Union Bank branches and supported digital/correspondent channels
-Retail supports / and major currency-pair workflows where the bank approves the customer limit
Forex dealing/hedging, government-securities access, remittances, business digital banking and WhatsApp banking
Individuals, businesses, corporates, , importers/exporters, institutional investors and Union Bank customers, as applicable to each service
-Retail: Union Bank charges no extra fee
CCIL registration/transaction charges may apply. Other service fees are not consolidated on the reviewed product pages and follow the applicable Union Bank schedule.
-Retail web platform
Union Bank branches and digital channels
Union e-biz app
official WhatsApp UVConn
supported correspondent/remittance channels
India through Union Bank branches and supported digital/correspondent channels
-Retail supports / and major currency-pair workflows where the bank approves the customer limit
Forex dealing/hedging, government-securities access, remittances, business digital banking and WhatsApp banking
Individuals, businesses, corporates, , importers/exporters, institutional investors and Union Bank customers, as applicable to each service
-Retail: Union Bank charges no extra fee
CCIL registration/transaction charges may apply. Other service fees are not consolidated on the reviewed product pages and follow the applicable Union Bank schedule.
-Retail web platform
Union Bank branches and digital channels
Union e-biz app
official WhatsApp UVConn
supported correspondent/remittance channels
India through Union Bank branches and supported digital/correspondent channels
-Retail supports / and major currency-pair workflows where the bank approves the customer limit
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
FASTagBank of Baroda
