Bank of India Mobile Banking

Last Updated : May 1, 2025, 4:01 p.m.

Bank of India mobile banking offers services through its official app “BOI Mobile”, designed to make banking easy, fast, and secure for customers anytime, anywhere. The app integrates key banking functionalities, enabling users to manage their finances seamlessly on their smartphones.

Bank of India Mobile Banking Services

Bank of India (BOI) offers a comprehensive range of mobile banking services through its BOI Mobile App, enabling customers to perform a variety of banking tasks securely and conveniently from their smartphones.

Types of Bank of India Mobile Banking

The different types of mobile banking provided by Bank of India are -

Bank of India Mobile Banking Registration

To register on Bank of India mobile banking, follow the steps below:

Step-by-Step Registration Process

1. Download the BOI Mobile App:
   
   • Available on Google Play Store and Apple App Store.​
     
2. Launch the App:
   
   • Open the app and select your preferred language.​
     
3. Agree to Terms & Conditions:
   
   • Review and accept the terms to proceed.​
     
4. SIM Verification:
   
   • Choose the SIM card linked to your BOI account and verify via OTP.​
     
5. Select Customer ID:
   
   • Choose your Retail Customer ID from the list.​BOI+1BOI+1
     
6. Enter Debit Card Details:
   
   • Provide your debit card number, expiry date, and PIN to enable transaction rights.
     
7. Set MPIN:
   
   • Create a 6-digit MPIN for secure login.​
     
8. Enable Biometric Authentication:
   
   • Opt for Face ID or Fingerprint for added security.​
     
9. Complete Registration:

Your app is now ready for use.​

Process to Login Bank of India Mobile Banking App

To login to Bank of India mobile banking application, you can follow the method below -

Open the App:

• Launch the BOI Mobile Banking app on your smartphone.

Select Language:

• Choose your preferred language for the app interface (English, Hindi, etc.).
  

Enter Your Customer ID:

• On the login screen, enter your Customer ID (this is the same ID you received while registering for mobile banking).
  
• If you are a new user, you will need to register first before logging in.
  

Enter MPIN:

• After entering the Customer ID, you will be prompted to enter your 6-digit MPIN (Mobile Banking Personal Identification Number).
  
• The MPIN is the one you set up during the registration process.
  

Biometric Authentication (Optional):

• If you have enabled fingerprint or face recognition during registration, you can opt for biometric login for easier access.
  

Verify OTP (if applicable):

• If prompted, enter the OTP sent to your registered mobile number to authenticate the login.
  

Access Your Bank Account:

• After successful login, you will have access to various banking features like:
  
  • Account balance
    
  • Fund transfer
    
  • Bill payments
    
  • Mini-statements
    
  • Transaction history, etc.

Bank of India Whatsapp Mobile Banking

• To register or activate whatsapp banking for Bank of India, use the methods below-
• Save the WhatsApp Number: Add +91 7997987601 to your contacts.​
• Start a Chat: Open WhatsApp and send a simple message like “Hi” to initiate the conversation.​
• Follow the Instructions: The BOI WhatsApp Banking service will guide you through the available services and how to use them.

Benefits of Bank of India Mobile Banking

Some benefits of Bank of India mobile banking application are -

• All the features of net banking are now available on the phone using the mobile banking application.
• You can access all the services from anywhere in the world.
• You do not need to wait to pay the bills if you are travelling, you can do that on the go with the mobile banking application.
• Transferring funds has become more comfortable and quicker.
• App can be used in case of theft of credit or debit cards.

Uses of Bank of India Mobile Banking App

Some of the uses of Bank of India mobile banking application are -

• Banking convenience: Separate apps like Bank of India provide BOI Credit Shield, BOI Credit Control, BHIM BOI UPI and BOI BHIM Aadhaar app are provided to get an overview of the banking transactions by the customer.
• Loan Account: The interest certificate and other loan account-related formalities can be carried out on the app without any hassles and can be tracked online too.
• Deposit Account: Customers can open and track their deposit accounts with this feature and use it to get a summary of their accounts on the mobile application.
• mPassbook: One can easily access the passbook and statements through this feature.

How to Reset the Password of Bank of India Mobile Banking?

To reset the password for Bank of India mobile banking, use the following steps -

Steps to Reset MPIN

1. Open the BOI Mobile App: Launch the BOI Mobile app on your smartphone.
2. Select Forgot MPIN: On the login screen, tap the ‘Forgot MPIN’ or ‘Reset MPIN’ option.
3. Enter User ID: Provide your User ID (Customer ID, typically a 9-digit number found on your passbook, account statement, or via customer care).
4. Authenticate Identity:
   • Option 1: Debit Card:
     • Enter your 16-digit Debit Card Number, ATM PIN, and Card Expiry Date (MM/YY format).
   • Option 2: OTP Authentication:
     • Enter your registered mobile number to receive an OTP.
     • Input the OTP sent to your registered mobile number.
5. Set New MPIN: Create a new 4-digit MPIN and re-enter it to confirm.
6. Submit: Tap ‘Submit’ or ‘Confirm’ to complete the reset process.
7. Confirmation: You’ll receive a confirmation message or SMS indicating the MPIN has been successfully reset.

Alternative Method: Via Net Banking

1. Visit BOI Website: Go to the Bank of India’s official website
2. Access Internet Banking: Click on ‘Internet Banking’ > ‘Personal’ to access the retail login page.
3. Log In: Enter your User ID and Password for net banking.
4. Reset MPIN:
   • Navigate to the ‘Options’ or ‘Settings’ menu.
   • Select ‘Reset MPIN’ or ‘Mobile Banking PIN’.
   • Authenticate using OTP (sent to your registered mobile number) or debit card details.
   • Set a new 4-digit MPIN and confirm.
5. Submit: Save changes to update your MPIN.

If You Can’t Reset Online

• Visit a Branch:
  • If you don’t have a debit card, net banking access, or face issues (e.g., incorrect mobile number), visit your Bank of India branch.
  • Submit a password regeneration form (available at the branch
  • Provide your account details and ID proof for verification.
  • The branch will assist in resetting your MPIN or unlocking your account if blocked due to multiple incorrect attempts.
• Contact Customer Care:
  • Call +91-22-40919191 or the toll-free number 1800-103-1906 to report issues.
  • Provide your Customer ID and account details for assistance. Note that customer care may direct you to the branch for certain resets.

Bank of India Mobile Banking Transaction Limit

The transaction limits for Bank of India mobile banking are -