Upi Id Bank Of Baroda - Cut Off For Future

Bank of Baroda presents Bhim Baroda Pay – A Unified Payments Interface (UPI) application that lets you transfer funds from any bank account using a Virtual Payment Address (VPA). No need to remember beneficiary details like account number, IFSC, Mobile Number, MMID etc. Send or Collect money using a Virtual Payment Address.

BHIM Baroda Pay : How to Register?

Step 1: Download the app from Google Play Store.
Step 2: Click ‘Register’ for new registration or already registered for already user.
Step 3: For dual SIM users, select registered mobile number SIM and enter the same (Standard SMS rate will be charged).
Step 4: Confirm mobile number.
Step 5: Enter details (Name, Last name, Email etc.) and Set a Virtual ID (VPA). VPA is an identifier (e.g., sourav@barodampay) that can be uniquely mapped to an individual account that can be used for making and receiving payments without sharing account details.
Step 6: Select Bank and eligible Account for linking.
Step 7: Set 4 digit login PIN and security question and answers.
Step 8: Login with 4 digit login PIN and Add Bank Account to enjoy seamless facility.

BHIM Baroda Pay : Secure UPI

Security features in app

Two-factor of authentication and secured level of validation.
New user (User who has Set/Reset UPI PIN) can transact for Rs. 5,000 as the first transaction.
Enhanced level of Device Binding security.
Setting up desired per transaction and per day limit for each added account separately through BHIM Baroda Pay app.

To block UPI services instantly:

Go to SMS option in your registered mobile device.
Type BOBUPIBLK in the message content (keyword is not case sensitive).
Send the SMS to 8422009988 (Service Mobile Number).

Beware of Phishing & Vishing Attacks when

You receive an automated call telling you that a major transaction has taken place in your account and instructing you to either provide confidential bank account information or call back on a particular number.
You receive a promotional message or call informing you about incentives such as a 2% downgrade on home loan rate or a free upgrade to a platinum debit card with a gift and asking you to provide confidential information.
You receive a call with the caller identifying himself as a Bank of Baroda Bank representative when you are not expecting such a call and asking for confidential information.
The caller identifying as a Bank of Baroda Bank representative does not know details like your first name and last name.

How to remain safe

Never call back a phone number sent to you in an email or provided through a phone call and provide confidential bank account information.
Never reveal or key-in your confidential details to anyone who calls or e-mails, unless the communication is a response to your query or complaint made previously.
Bank of Baroda does not make calls, asking for your mobile banking passwords. If any caller pretends to be from our Bank/Contact Centre, please do not entertain such requests as they are fraudulent entities.
In case your mobile banking/mobile number is de-registered/deactivated without your request or you get a call in this regard, somebody may be trying to get a duplicate SIM/steal your credentials like M-PIN/OTP (One time password), etc.
In case any unauthorized access to your information, accounts, or disputed transactions, using mobile Banking service, please check immediately with telecom service provider and contact the Bank on 180010244 55.
Change Passwords as frequently as possible.
In case of unauthorized access of your UPI application, please de-register immediately for Mobile Banking services through ATM/internet banking/base branch (or please contact our contact center.

Trouble Shooting – BHIM Baroda PAY (UPI)

Key factor/troubleshooting of BHIM Baroda PAY (Unified Payment Interface)

Application is available for Android OS and iOS-based users (version not lower than 4.1 for Android and version not lower than 8 for iOS).
UPI facility is based on mobile number updated in banks from which registration is done.
For debit of different bank account UPI PIN will be require of their own selected respective banks.
If customer is getting error unable/failed to fetch mobile number while registration then please ask them to check mobile balance (standard charges are applied) only at the time of registration (silent message is sent to bind your Mobile number, IMEI and SIM number to UPI database) for 1st factor authentication.
Allow all the access permission which is popup while registration as it is downloaded from unknown sources it is asking to accept.
If application is not able to read mobile number from your mobile, kindly change the registered number to default slot manually (for dual SIM phones).
Make sure mobile data or internet connection is enabled before using application.

PIN Security

About Your Security PINs:

As reported, you must use two PINs i.e., Login PIN and UPI PIN (transaction password). You will have to compulsorily set the login PIN, when you register.

While changing the password and while subsequently using it, please note that:

Login PIN and UPI PIN must be of 4 digits and 4 digits (for BOB users) respectively.
For your safety, your password will be blocked, if attempt to log in fails for 5 times. (If your password is blocked (i.e., you perfectly remember your password, but while keying in, you keyed in wrongly for 5 times and it got locked).
In case you forgot your PINs, these can be reset through Baroda UPI Mobile App itself with the following Menu options:
Generate UPI PIN
Forgot Login PIN
While changing the Login PIN subsequently, you cannot use any of your last 3 Login PINs.
If PIN is not changed in 180 days, system will force you to change the Login PIN and UPI PIN. However, we advise you to keep changing the PINs, at regular intervals.

Password Security Guidelines:

Please note that your password(s) are of utmost importance in UPI. It is the only way to identify you, by the system. Therefore, its security is very crucial, and we advise you as under:

Please do not write these PINs anywhere.
If you feel someone knows any of your PINs (i.e., it is compromised), please change the PIN immediately.
You should change the PINs at regular intervals.
If you opt to change your PINs, you should choose your new PINs carefully.
Do not share your PIN(s) to anybody, including bank staff. (Bank does not require your user id or PIN at any point of time. If you receive any communication asking for this information, please do not send your user id or PIN(s)).
Never write down, record, or save on your mobile your PIN or other security information.
Please avoid using important dates (wedding anniversary, birthdays of yourself/spouse/children etc.) as your PINs.
Phishing, also called spoofing, is the act of attempting to fraudulently acquire sensitive information, such as passwords and credit card details, by masquerading as a trustworthy person or business with a real need for such information in a seemingly official electronic notification or message. The e-mail directs the user to visit a web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers that the legitimate organization already has.
Bank of Baroda sincerely requests you not to respond to any emails that request personal information.

Other Security Tips:

Do not leave your mobile unattended while you are accessing BHIM Baroda Pay, UPI Mobile App.
As and when you have finished using BHIM Baroda Pay, UPI Mobile App, do not forget to log out completely. Further close the window completely, after you log out. Avoid closing the window abruptly, on usage.
Every time you log in, you are shown the time when you logged in last. If you feel that, you did not log in at the time shown, get alerted immediately. Change your passwords, check all the transactions, and ensure that nothing untoward has taken place.
If you act fraudulently or show contributory negligence, you will be responsible for all losses on your account.
Keeping your mobile secure by using anti-virus, anti-spyware, and firewall software.
Taking care to ensure that no-one else hears or sees User id, Login PIN, UPI PIN or any one-time password (OTP) we send to you when you use them.
If you lose your mobile telephone, it is stolen or you suspect it is being used without your permission, you must tell us immediately via contact centre to block your access to application so that we can suspend your use of the Baroda UPI application service until the matter has been resolved.
Please read the Terms and conditions available at our websites and mobile application login page and keep a copy of them in a safe place for your future reference. We will inform if any terms and conditions are changed through websites and mobile application.

You must tell us without delay If:
Your mobile is stolen, and you suspect that someone else has used or tried to use them without your authorization; or you become aware of any incorrectly executed instructions or any unauthorized transaction on your Account(s)

By: Contact the customer care centre at 18001024455/1800223344 or write [email protected] to for any information regarding the BHIM Baroda Pay, UPI Mobile App services.