Bank of Baroda UPI App

• Team Antworks

Bank of Baroda has launched an UPI app called Baroda MPay which can be downloaded from the Google Play Store. This app is currently available only for Android users. Any bank customers, not just BOB customers, can use Baroda MPay for their banking needs.

Features and Benefits of UPI App

The following are the features and benefits of Bank of Baroda UPI App:

• Many bank accounts can be linked using UPI App.
• Fund transfers does not require bank account details, instead a VPA is used to facilitate the transfer.
• Customers of other banks can use the same UPI App.
• There is zero transaction charge for banking transactions made using the UPI App.
• UPI App is a single payment system that operates 24 hours a day, 7 days a week.

Currently, the UPI App is available only to Android users.

Features and Benefits of Baroda MPay

Listed below are the features and benefits of Baroda MPay:

• Bank of Baroda has launched a standalone app for phones without an internet connection, *99# banking services.
• Funds can be transferred to any VPA, bank account, Aadhaar number, and mobile number. In order to transfer money to a mobile number, MMID of the bank account is required.
• The money transfer is instant. Thus, saving waiting period on the payee’s part.
• A payee can send a request for payment from a payer through the app. The payer will receive a notification on the app of the same.
• A QR code can be generated to ask for a specific amount of money to be transferred. The payer has to just scan the QR code to make payment.

How to use Baroda MPay?

Listed below is the step-by-step process of how to use Baroda MPay:

• Download the UPI app from Google Play Store on your Android mobile. Open the app and read the user guidelines on UPI App and Baroda MPay. On completion, click on the ‘Register’ tab.
• The app would send a verification code to your mobile number. It is advisable to use the mobile number that is registered with your bank. If you are using dual SIM, the app will prompt you to choose one. Enter the SMS code for verification.
• You will have to fill up a registration form with your name, email ID, and a VPA of your choice. The VPA suffix will end with @barodampay. Agree to the T&C and sign up with Baroda MPay.
• You will have to set a 6-digit PIN as your login PIN. This PIN is required to login to the app whenever you want to use it.
• Once you are registered and signed into the app, you will see the home page of the app containing various features such as Balance Enquiry, Collect Money, Send Money, Scan and Pay, Pay Bill, Approve Pay, Add Bank Account, Generate QR Code, etc.
• Before doing any transaction, you will have to link a bank account to the app. You can link any number of bank accounts, doesn’t have to be just BOB bank account.
• Click on the ‘Add Bank Account’ tab. You can choose your bank from the drop down. Your bank account number will be visible. You have to choose one VPA for a bank account. After which, you will be required to set an MPIN using your debit card details. An OTP will be generated and sent via SMS to your registered mobile number for authentication.