Bank of Baroda UPI

Last Updated : July 17, 2025, 3:11 p.m.

The Bank of Baroda UPI (Unified Payments Interface) app, branded as bob e Pay (formerly bob World UPI or Baroda MPay), is a robust digital payment solution designed to facilitate seamless, secure, and instant transactions. Powered by the National Payments Corporation of India (NPCI), this app enables users to transfer funds, pay bills, and perform various financial transactions using a smartphone. This article explores the benefits, features, registration process, transaction limits, and more for the Bank of Baroda UPI app.

Benefits and Features of Bank of Baroda UPI App

The bob e Pay app offers a range of features and benefits that make it a convenient and secure choice for digital payments:

• Instant Fund Transfers : Transfer money instantly to any bank account or Virtual Payment Address (VPA) within India, 24/7, without needing bank account details or IFSC codes.
• Zero Transaction Charges : No fees are charged for UPI transactions, making it cost-effective for both personal and merchant payments.
• Multi-Bank Account Linking : Link multiple bank accounts to a single VPA, allowing users to manage transactions across different accounts from one platform.
• Secure Transactions : Transactions are protected by two-factor authentication (2FA), requiring a UPI PIN for authorization, ensuring high security.
• Versatile Payment Options : Pay via VPA, account number + IFSC, mobile number + MMID, Aadhaar number, or by scanning QR codes.
• Bill Payments and Recharges : Pay utility bills, recharge mobile/DTH, and make merchant payments instantly.
• Cash Withdrawal via UPI : Withdraw cash from Bank of Baroda ATMs using the card-less cash withdrawal feature (up to ₹5,000 per day) with an OTP.
• Request Money : Send collect requests to others, simplifying peer-to-peer (P2P) transactions.
• Multi-Language Support : Available in multiple languages to cater to diverse users across India.
• User-Friendly Interface : The app features a stylish white and orange design, making it easy to navigate for all users.
• Transaction History : View the last 20 transactions or search by date and amount for the past month.
• Non-BoB Customers : Even non-Bank of Baroda account holders can use the app if their bank is UPI-enabled.

How to Register Bank of Baroda UPI App?

To start using the bob e Pay app, follow these steps for registration:

1. Download the App :
   • Visit the Google Play Store (Android) or iOS App Store (iOS) and search for bob e Pay.
   • Download and install the app.
2. Open the App :
   • Launch the app and read the user guidelines. Click on the Register tab at the bottom of the welcome screen.
3. Verify Mobile Number :
   • The app will send an SMS to capture your mobile number. Ensure the number is registered with your bank account.
   • For dual SIM phones, select the registered mobile number. Enter the verification code received via SMS.
4. Fill Registration Details :
   • Enter your name, email ID, and choose a Virtual Payment Address (VPA) (e.g., yourname@barodampay).
   • Accept the Terms and Conditions and proceed.
5. Set Login PIN :
   • Create a 6-digit login PIN to access the app securely.
6. Set UPI PIN :
   • Go to the home screen, select the desired account, and click the three-dot icon.
   • Choose Set UPI PIN, enter the last 6 digits of your debit card and its expiry date.
   • An OTP will be sent to your registered mobile number (auto-read or manually entered).
   • Create and confirm a 4-6 digit UPI PIN for transactions.

Note : If you change your SIM or mobile device, you must re-register for UPI. Once deregistered, the same VPA cannot be reused; a new VPA must be created.

Bank of Baroda UPI Limit per Month/Per Year

The transaction limits for bob e Pay are set by NPCI and Bank of Baroda guidelines:

• Daily Limit : ₹1,00,000 per day for fund transfers, bill payments, and merchant payments (capped at ₹25,000 per transaction).
• Per Transaction Limit : ₹25,000 for general transactions; ₹5,000 for new users or after resetting the UPI PIN (24-hour cooling period).
• Daily Transaction Frequency : Maximum of 20 transactions per day.
• Monthly/Yearly Limit : No specific monthly or yearly limits are mentioned, but the daily limit of ₹1,00,000 and 20 transactions applies. Some banks may impose additional weekly/monthly limits (e.g., IDFC Bank’s monthly limit is ₹30,00,000). Check with Bank of Baroda for updates.
• Special Limits :
  • ₹2,00,000 for capital markets, insurance, collections, and foreign inward remittances.
  • ₹5,00,000 for tax payments, educational institutions, hospitals, IPOs, and RBI retail direct schemes.
• Card-less Cash Withdrawal : ₹5,000 per day via Bank of Baroda ATMs.
• UPI Lite : For low-value transactions (below ₹500), UPI Lite allows up to ₹4,000 per day (balance limit of ₹2,000 at any time).

Note : Limits may vary across banks and are subject to change. Check the Bank of Baroda website for updates.

How to Increase BOB World UPI Limit?

To increase the UPI transaction limit on bob e Pay:

1. Contact Your Base Branch :
   • Visit your Bank of Baroda branch to request a limit increase. Provide necessary identification and account details.
   • For corporate customers, additional facilities like higher transaction limits can be requested.
2. Check App Notifications :
   • The bank notifies users about limit increases via the app, website, or other communication channels.
3. Ensure Compliance :
   • Ensure your account is active and compliant with KYC requirements.
   • Avoid entering the wrong UPI PIN multiple times, as this may block the facility temporarily.
4. Monitor Updates :
   • Limits are subject to NPCI and RBI guidelines. Check www.bankofbaroda.in for the latest information.

Note : Limit increases are at the bank’s discretion and may require additional verification.

How to Transfer Funds Through BOB World UPI App?

To transfer funds using bob e Pay:

1. Log In :
   • Open the app and enter your 6-digit login PIN.
2. Select Transfer Option :
   • On the home screen, choose Pay or Fund Transfer.
   • Select the payment mode: VPA, Account + IFSC, Mobile Number + MMID, or Aadhaar Number.
3. Enter Details :
   • For VPA: Enter the recipient’s VPA (e.g., recipient@barodampay).
   • For Account + IFSC: Enter the account number and IFSC code.
   • For Mobile Number: Enter the recipient’s mobile number and MMID.
   • For QR Code: Scan the recipient’s UPI QR code.
4. Enter Amount and Remarks :
   • Input the amount (within the ₹25,000 per transaction limit) and add optional remarks.
5. Authorize Transaction :
   • Enter your UPI PIN to authenticate the transaction.
   • You’ll receive a confirmation on the app and an SMS from the bank.

Note : Verify beneficiary details carefully to avoid errors. If the transaction fails, funds are reversed within T+2 working days.

How to Receive Money Using BOB UPI App?

To receive money via bob e Pay:

1. Share VPA :
   • Provide your VPA (e.g., yourname@barodampay) to the sender. No bank account details are needed.
2. Receive Collect Request :
   • If someone sends a collect request, you’ll receive a notification in the app.
   • Approve the request by entering your UPI PIN.
3. QR Code Payments :
   • Generate a QR code in the app for a specific amount.
   • Share the QR code with the payer, who can scan it to transfer funds.
4. Check Transaction Status :
   • Funds are credited instantly to your linked account. Check the Transaction History section for details.

Note : The beneficiary must have a VPA for VPA-based transactions but not for account + IFSC or Aadhaar-based transfers.

Bank of Baroda UPI Customer Care Number

For support with bob e Pay or UPI-related queries:

• Toll-Free Number : 1800 5700 / 1800 5000
• WhatsApp Banking : Message “Hi” to 8433 888 777 for assistance.

Note : If a transaction fails or funds are debited but not credited, raise a complaint via the app’s Complaints section or contact your base branch.