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Frequently Asked Questions (FAQs)

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bobWorld (Mobile Banking)
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  • What is the key benefit of Mobile banking (bob World)?

    You can avail more than 220 banking services around the clock conveniently from the comfort of your home using a mobile phone.

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  • Can I avail Mobile Banking?

    The following customers can avail Mobile Banking – Main, Joint, or Authorized signatories of Savings, Current, Overdraft accounts with any of the following modes of operation - Self, Either-or-survivor, Anyone-or-survivor, or Proprietor.

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  • How can I register for Mobile Banking?

    You can use the following channels to register for mobile banking:

    • Self-Registration using Debit card details (available only for Android users).
    • Internet Banking “bob World Internet” (https://feba.bobibanking.com ) Login > Services > Mobile Banking (bob World)
    • ATM
    • Base Branch - submit duly-filled registration form for Mobile Banking.

    Note: Accounts with Mode of operation as “Anyone or Survivor” can be registered from Base Branch only. Other channels like Self-Registration, ATM and Internet Banking can’t be used.

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  • How to download Mobile Banking application?

    Mobile banking application bob World can be downloaded via respective Play stores. Never download applications from unknown/unverified sources. Confirm the genuineness of the Bank of Baroda’s Mobile Banking application under “App info” section of Playstore / Appstore.

    • Android 4.5 & above – Google Playstore
    • iOS 17.0 & above – Apple Appstore

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  • Is my mobile device supported?

    Both Android and iOS devices are supported if your Android OS version is 4.5 & above and iOS version is 17.0 & above.

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  • How to register via self-registration option using debit card details?

    Please follow the steps given below:

    • Launch the bob World app after installing it in your Android device.
    • Grant mandatory permissions like location, phone, and SMS as and when prompted.
    • Select your preferred language and go through informative/educational screens.
    • Click “Login” button on welcome screen to begin your mobile banking journey.
    • Grant permissions, if not granted already, and proceed after granting permissions.
    • We need to send a one-time SMS to verify your mobile number. Select SIM of mobile number registered with Bank and press confirm to send one-time SMS. Carrier charges may apply.
    • App will display the mobile number from which Bank has received SMS. Confirm if it is your registered mobile number. You’ll receive an OTP after confirmation. Click on “select another number” button if mobile number displayed is wrong.
    • We will send a 6-digit OTP to your mobile number. Click on Verify button after OTP is auto-read by app.
    • Accept Terms & Conditions and proceed to register for mobile banking by entering your 14-digit account number, last 6-digits of your debit card and card expiry (MM/YY).
    • You will receive a 4-digit activation Key on your Registered Mobile Number and enter the same on application to proceed further.
    • Now Set your own Transaction PIN & Login PIN and submit.
    • Enter referral code if received to get benefits before proceeding to login.

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  • What to do if self-registration got disabled?

    Self-registration will be disabled if card authentication fails thrice in a row. Please use the alternate digital channels like base branch, ATM, or Internet banking to register for mobile banking.

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  • What to do if you get “Card Authentication failed” error during self-registration?

    You will get this error if there is a mismatch in the details of account number and debit card submitted during self-registration. Make sure that your debit card is active and actually issued for the account number entered during registration of mobile banking. Also check eligibility criteria of account to avoid card authentication error.

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  • How to register for mobile banking via Internet Banking channel?

    Please follow the steps given below:

    • Login to Internet Banking “bob World Internet” at https://feba.bobibanking.com and go to Services > Service Request >> Mobile Banking Registration.
    • You can also access the same under Login > Services > Mobile Banking (bob World) > Registration.
    • Select your customer ID, confirm that the mobile number shown is your registered mobile number, and click on Continue.
    • Confirm Details, then enter remarks and Transaction password. Click on Submit button.
    • You will get a confirmation message on screen. If registration is successful, you will receive an SMS consisting of 4-digit activation Key on your registered mobile number along with a link to download our app from play store or app store.
    • Download the mobile banking app and use the activation key to activate mobile banking and set your own transaction and login PINs.

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  • How to register for mobile banking via ATM channel?

    Please follow the steps given below:

    • Visit your nearest Bank of Baroda ATM. Insert your debit card in the card slot and enter its PIN. Click on the Mobile Banking (bob World) tab post PIN validation.
    • Select Registration option
    • Enter your 10-digit registered mobile number and Press if Correct
    • Re-enter the mobile number and Press if Correct
    • After successful registration, you will receive an SMS consisting of 4-digit activation key on your registered mobile number along with a link to download our app from play store or app store.
    • Download the mobile banking app and use the activation key to activate mobile banking and set your own transaction and login PINs.

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  • What accounts are eligible for registration to mobile banking?

    All scheme codes of savings and current accounts are eligible for registration if mode of operation and relation type are eligible. Mode of operation has to be one of the following:

    • Self
    • Either or survivor
    • Proprietor
    • Anyone or survivor

    Relation type has to either main, joint, or authorized signatory.

    Only ten overdraft scheme codes are eligible – OD002, OD003, OD004, OD005, OD006, OD016, OD017, OD023, OD026 and OD028.

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  • How to set my login and transaction PINs?

    Both PINs are set during activation of mobile banking after successful registration. Please follow the steps given below:

    • After successful registration, you will receive an SMS consisting of 4-digit activation key on your registered mobile number along with a link to download our app from play store or app store.
    • Download the mobile banking app and use the activation key to activate mobile banking and set your own login and transaction PINs.

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  • How to activate mobile banking?

    Please follow the steps given below:

    • Launch the bob World app after installing it.
    • Grant mandatory permissions like location, phone, and SMS as and when prompted.
    • Select your preferred language and go through informative/educational screens.
    • Click “Login” button on welcome screen to begin your mobile banking journey.
    • Grant permissions, if not granted already, and proceed after granting permissions.
    • We need to send a one-time SMS to verify your mobile number. Select SIM of mobile number registered with Bank and press confirm to send one-time SMS. Carrier charges may apply.
    • App will display the mobile number from which Bank has received SMS. Confirm if it is your registered mobile number. You’ll receive an OTP after confirmation. Click on “select another number” button if mobile number displayed is wrong.
    • We will send a 6-digit OTP to your mobile number. Click on Verify button after OTP is either auto-read by app in Android devices or manually entered in iOS devices.
    • Accept Terms & Conditions and enter the 4-digit activation Key received on your Registered Mobile Number after successful registration.
    • Create your own transaction and login PINs.
    • Enter referral code, if received, to get benefits before proceeding to login.

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  • I am an active user of BOB World Wave app. How to login to bob World app?

    Active users of BOB World Wave app can access bob World app using their existing application password and m-pin. Please follow the steps given below:

    • Launch the bob World app after installing it.
    • Grant mandatory permissions like location, phone, and SMS as and when prompted.
    • Select your preferred language and go through informative/educational screens.
    • Click “Login” button on welcome screen to begin your mobile banking journey.
    • Grant permissions, if not granted already, and proceed after granting permissions.
    • We need to send a one-time SMS to verify your mobile number. Select SIM of mobile number registered with Bank and press confirm to send one-time SMS. Carrier charges may apply.
    • App will display the mobile number from which Bank has received SMS. Confirm if it is your registered mobile number. You’ll receive an OTP after confirmation. Click on “select another number” button if mobile number displayed is wrong.
    • We will send a 6-digit OTP to your mobile number. Click on Verify button after OTP is either auto-read by app in Android devices or manually entered in iOS devices.
    • Verify your access using existing application password as login PIN and existing m-pin as transaction PIN.
    • Proceed to login if access verification succeeds.

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  • I forgot existing application password and m-pin of BOB World app. What to do?

    Please de-register from Mobile banking using any of the following alternate channels and do fresh registration of Mobile Banking.

    • ATM
    • Base Branch
    • Internet banking (bob World Internet)

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  • I didn’t receive activation Key. What to do?

    You will receive activation Key on your registered mobile number in an SMS after successful registration. If you have not received it, please reset activation Key of Mobile banking using any of the following alternate channels.

    • ATM
    • Internet banking (bob World Internet)
    • Base Branch

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  • I have not received OTP on my mobile number. What to do?

    6-digit OTP sent to registered mobile number will be either auto-read by app in Android device or have to be manually entered in iOS device before expiry of timer. If you have not received OTP, please click on “resend OTP” after timer expires to request a new OTP.

    If OTP is still not received, please clear all old messages from sender IDs like BOBTXN, BOBSMS, and BOBOTP. Restart your mobile device and ensure good network coverage. Please also insert SIM card into other mobile device, if available, to check if there is any handset specific issue.

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  • I have received OTP but app is not auto-reading it. What to do?

    We need to send a one-time SMS to verify your mobile number. App will display the mobile number from which bank has received one-time SMS. You have selected the correct SIM but if mobile number shown is wrong, then sender ID of your SMS would have been modified by network carriers. Please contact your network carrier to prevent modification of sender ID.

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  • I got “Invalid Process” error. What to do?

    You will get this error if you take too long to finish activation and session got expired. Please ensure good reception of cellular network and finish activation in quick time. If problem persists please use WIFI network to activate.

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  • I am NRI customer. Can I use Mobile Banking?

    Yes, NRI customers can avail Mobile Banking facility and do transactions subject to FEMA/RBI guidelines.

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  • What is a Baroda M CLIP wallet mobile account

    The Baroda M CLIP wallet mobile account is a payment account accessible from your android smartphone that enables you to make payments directly from your phone. This service offered by Bank Of Baroda in partnership with Wibmo, enables convenient and simple payments at e-commerce, m-commerce, and all participating merchants. You can also send money to other Baroda M CLIP wallet users. By signing-up to this service, you can pay securely from Baroda M CLIP wallet Mobile Money Account (MMA) using your phone.

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  • Can I use the Baroda M CLIP wallet account when I am traveling abroad?

    The Baroda M CLIP wallet Mobile Account has been currently enabled for use only in India. You can certainly use Baroda M CLIP wallet with these merchants from anywhere in the world.

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  • Does money in my Baroda M CLIP Mobile Money Account accrue interest?

    No. Baroda M CLIP MMA is classified as a prepaid account and hence, does not accrue interest on the funds stored in the account.

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  • How can I send and receive money using Baroda M CLIP wallet account?

    Baroda M CLIP wallet enables you to load, send money to an email address or a phone number.

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  • How can I add funds into the mobile account and when will the funds be available in the mobile account?

    You can add funds into the Baroda M CLIP wallet mobile account using the Add Money function and use any Indian Bank-issued credit, debit or prepaid card or Baroda Net Banking as the source of funds.

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  • For adding money, can I have more than one card linked to the Baroda M CLIP wallet?

    Yes, you can link multiple cards to Baroda M CLIP wallet. These cards can be used for adding money to the Baroda M CLIP wallet account.

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  • How do I send money to people? Do they need Baroda M CLIP wallet too?

    You can simply send money to a person’s e-mail ID or mobile number. However, in order to claim the received amount, the recipient should sign-up for Baroda M CLIP wallet services. On registration, funds will directly be moved to the recipient’s MMA and the recipient will be able to use all Baroda M CLIP wallet services from the phone.

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  • What is Unified Payment Interface

    UPI is a payment system that allows you to transfer money between any two parties. Now, these two parties can be two banks, one bank & some company (Uber, Ola, etc.) or between two companies.

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  • Is it mandatory to have an account with Bank of Baroda to use Baroda MPAY App?

    No, a person who does not have an account with Bank of Baroda can also use this application. However, the user must have an account with a UPI-enabled Bank.

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  • What is a Virtual Payment Address (VPA)?

    ‘Virtual Payment Address’ means a unique payment identifier issued by a PSP (Application provider) to a payer or a receiver that, among other things, can be used to identify, debit or credit a bank account. VPA contain PSP handler for example sachin@barodampay. There is no need to share your account or debit card credentials to receive payments by using VPA. Each VPA has to be linked with a bank account.

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  • How many VPAs can be created against one bank account?

    You can create multiple VPAs for one bank account through the option ‘Add Bank Account’. However, this can be modified through the option ‘Manage Accounts’.

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  • How can I transfer funds to any Bank Account?

    This can be done via IMPS with 5 options:

    • Account number + IFSC
    • Mobile number + MMID
    • Virtual ID
    • Aadhaar number
    • Aadhaar number + IIN (Issuer Identification Number)

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  • What is MMID?

    Mobile Money Identifier (MMID) is a seven-digit random number issued by the bank upon registration. Remitter (customer who wants to send money) and beneficiary (customer who wants to receive the money) should have this MMID for doing this interbank funds transfer.

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  • What are the limits for fund transfer?
    Max amount per transaction Max amount per day
    Rs. 25,000 Rs. 50,000

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  • How does the customer benefit from the BOB Billpay service?
    • The customer can receive all the bills electronically and also schedule payment of these bills electronically, eliminating the need to issue cheques and stand in queues.
    • The payments can be made from any existing bank account. No new accounts need to be opened. The choice of the bank account for payment of each bill can be made at the last minute depending on the balance funds in each account.
    • An 'Autopay' option can be used to schedule payment of a particular bill on a fixed day of every month from a pre-decided bank account.
    • The customer can analyse their total expenses in the form of bill payments through charts and easy to use tools.

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  • What are the timings for using BOB Billpay services?

    Bill Payment can be made 24-hrs a day through a computer from the comfort of the home, office or a cyber cafe.

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  • How to register for BOB Billpay Services?

    The one-time registration formalities can be completed by:

    • Logging on towww.Bob Billpay.com and filling the online registration form.
    • Confirming the user ID and password by replying to the email sent by BOB Billpay.
    • Signing the registration form and the payment authorisation form sent by BOB Billpay.
    • Attaching a photocopy of a cheque or a cancelled cheque from the bank account specified.

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  • How to manage billers?

    The customer can choose the billers from whom he/she would like to receive the bills electronically by providing the account details. From the next billing cycle, the customer will receive bills electronically from the chosen billers, which can then be paid from any of the bank accounts of the customer registered with BOB Billpay. The customers can also modify the account details of the billers already added or delete them at any time.

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  • How to manage the bank account?

    The customer can add more bank accounts at any time by providing the account details such as account number, MICR code, etc. For each bank account added, the customer will have to provide a payment authorisation form verified by the customer's bank and a photocopy of a cheque or a cancelled cheque from that account. The customer can verify the payment authorisation form directly or the customer can request BOB Billpay to assist. The completed form needs to be either mailed to BOB Billpay or deposited at the nearest BOB branch for onward delivery to IndiaIdeas. The customer can delete the existing bank accounts at any time.

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  • Is BOB Billpay service secure?
    • The customer is ensured of the highest standards of security through a 128-bit encryption (which is the maximum possible over the internet).
    • BOB Billpay has obtained a certification from VeriSign Inc, the world's largest provider for internet trust services.
    • Meanwhile, it is recommended that the user keep the user name and password confidential.

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  • Do I need to have an account with Bank of Baroda?

    Not necessary, you are required to have an account with any of the banks in Mumbai.

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  • Will I still receive my physical bills?

    Yes, you will continue to get physical bills apart from the bills presented electronically at BobBillpay.com

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  • After registering to BOB Billpay, can I pay bill on the counter?

    Yes, even after registering to BOB Billpay, you can pay bills on the counter also.

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  • Can I add/drop a biller?

    Whenever a new biller is added, customer will be informed through mails. At any point in time, customer may add/drop any biller.

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