Digital Banking

BarodaConnect (Internet Banking)

‘BarodaConnect’ is an internet banking facility introduced as an alternative delivery channel for rendering effective customer service on 24X7 basis. It offers unique customised services to both Retail and Corporate customers.

Terms & Condition for Baroda Connect (Internet Banking) Retail User

Login to Net Banking - Click here

Various Fund Transfer Limits in Internet Banking

*Effective from 25.04.2024

bob World UAE, our upgraded Mobile Banking application with all new features and completely new user interface .

Overview:

We unveil to you a new world of endless possibilities which has grown from a smaller to a bigger passion encompassing an all new digital experience. Presenting to you bob World UAE, the official Bank of Baroda’s Mobile Banking application (erstwhile known as M-Connect Plus UAE)

‘bob World UAE’ is the New Mobile Banking application of Bank of Baroda UAE, which has been completely upgraded from the previous app ‘M-Connect Plus UAE’, in terms of both user interface and services offered.

This app takes you through your Banking world, where you can access wide range of banking facilities right from simple Balance Enquiry to Rapid Funds to India.

How to register?

• Submit a simple form to your base branch or use our other alternate delivery channel
• Your branch will register you for New mobile banking facility
• You will receive -4- digit mPIN (Mobile Banking password)

How to activate?

• Download & install the bob World UAE app
• Launch the app > click confirm on silent SMS page
• Click confirm on OTP page
• Create your own application password (4 digit number)
• Read and accept Terms & Conditions
• mPIN change page : Enter the mPIN received through SMS and create your own mPIN (4 digit number)
• You are now ready to use a very Secure, Convenient & User friendly Mobile Banking application!

Services offered:

Financial:

Fund transfer to self-linked accounts, third party accounts within Bank, Rapid Funds to India, FD/RD Account Opening, Credit Card payments etc.

Non-Financial:

Account Balance Enquiry, Mini statement, 360 degree view of account details, New cheque book request, Account Statement & Interest Certificate over Email, Transaction history, Reset application password, Change mPIN, Complaints & Feedback, Branch / ATM locator and many more.

Various Fund Transfer Limits in Mobile Banking:

Terms & Condition:

Click Here

ATMs

Our bank’s widespread network of ATMs/Cash Dispensers make it easy and convenient for customers to bank 24 hours a day. With a network of 45 ATMs in the UAE, we ensure that you are never too far from an ATM. User-friendly graphic screens and easy to follow instructions in a language of your choice makes our ATM Banking a smooth experience. Bank of Baroda has partnered with Central Bank Switch for transacting with other banks

Bank Of Baroda's debit card is enabled with Contactless Transaction. Contactless transactions are capped to AED 500 each, and customer authentication (by entering the PIN for example) must be performed after three consecutive contactless transactions

Following services are free of cost at our ATMs:

• Cash withdrawal

• Cash deposit

• Balance inquiry

• Mini statement

• PIN change

• Rapid funds to India (Fund Transfer to India)

• Bulk Cheque Deposit (upto 20 leaves)

Bank is currently issuing Visa Classic and Visa Gold EMV card variants. It is a Card with ‘Chip & PIN’ features along with the magnetic stripe. Debit card can be used at ATMs, POS terminals or for ecommerce transactions.

Debit Card Features & limits:

Territory’s Debit Cards are proprietary EMV and contactless feature enabled Debit Cards and Bank is also a member of International Card Scheme operated by VISA.

Debit Cards can be used in any ATM in GCC countries (GCC-Net Enabled Countries) or VISA enabled ATM for cash withdrawal & balance enquiry. There are some additional facilities which customer can also perform on Bank of Baroda ATM only, such as Cash Deposit, Mini Statement, Pin Generation, Rapid Funds 2 India etc.

Bank of Baroda is currently issuing two variants of Debit Cards:

1. VISA Classic Debit Card
2. VISA Gold Debit Card

*Every Debit Card transaction is PIN or OTP enabled except contact less transactions and following conditions will be applicable if contactless transactions is being initiated:

• The Bank is compliant with PCI DSS standards

Jaywan Debit Card – A Step Forward in UAE’s Payment Innovation

What is Jaywan?

Jaywan is the UAE’s homegrown, national card scheme that revolutionizes payment solutions to meet local needs while enhancing the UAE’s payment infrastructure on the global stage. It is a robust, secure, and flexible ecosystem that brings consumers, merchants, and financial institutions together, creating a seamless experience for everyday transactions.

With Jaywan, both users and merchants can benefit from reduced costs, enhanced security, and support for local businesses, making it an essential tool for modern, inclusive payment experiences.

Key Features of the Jaywan Debit Card

1. Localized Transactions

   Jaywan Debit Cards are designed to cater specifically to the UAE market. All debit card transactions are localized, ensuring that payments are processed and secured within the UAE for better performance and privacy.

2. Data Security and Sovereignty

   All payment-related data is securely processed and stored within the UAE, ensuring compliance with local regulations and promoting data sovereignty. With Jaywan, users can be confident that their personal and financial information is protected.

3. Lower Transaction Costs

   Jaywan offers affordable and cost-effective solutions, both for consumers and merchants. Cardholders enjoy lower transaction fees, while merchants benefit from enhanced financial inclusion and more affordable electronic payments.

4. Widely Accepted Across the UAE

   Jaywan Debit Cards are accepted at millions of ATMs, POS terminals, and online stores within the UAE. Whether you’re shopping, paying bills, or withdrawing cash, Jaywan is accepted everywhere.

5. Secure Payments

   Enjoy the peace of mind knowing that every transaction is encrypted and protected. Jaywan Debit Cards use state-of-the-art security features to ensure that your financial transactions are always safe.

Benefits of the Jaywan Debit Card

• Affordable and Flexible

  With lower transaction costs, Jaywan offers a flexible payment solution that benefits consumers and merchants alike. Whether you are making purchases or running a business, Jaywan ensures you get more value for your money.

• Supporting Local Businesses

  Jaywan contributes directly to the UAE economy by supporting local businesses and promoting national growth. By using Jaywan, you are helping to strengthen the UAE’s financial ecosystem.

• Seamless Integration with UAE’s Digital Economy

  As a fully local solution, Jaywan integrates smoothly with the UAE's digital infrastructure, enabling fast, secure, and efficient payments in line with the nation’s technological advancements.

• Easy Access to Funds

  Get instant access to your funds whenever and wherever you need them. Whether withdrawing cash or making purchases, Jaywan ensures your money is always at your fingertips.

Why Choose Jaywan?

• A National Solution for the UAE

  Jaywan is designed to support the growth of the UAE’s financial infrastructure. With Jaywan, you’re not just using a payment system; you're contributing to the future of the UAE’s financial ecosystem.

• Promoting Local Pride and Innovation

  Jaywan contributes directly to the UAE economy by supporting local businesses and promoting national growth. By using Jaywan, you are helping to strengthen the UAE’s financial ecosystem.

• Commitment to Financial Inclusion

  Jaywan is dedicated to financial inclusion, ensuring that all segments of the population, including underbanked communities, have access to essential financial tools.

FAQs about Jaywan Debit Card

1. What is Jaywan?

   Jaywan is the UAE's homegrown card scheme that provides secure, efficient, and affordable payment solutions designed specifically for the needs of consumers and merchants in the UAE.

2. How does Jaywan Debit Card benefit me?

   Jaywan Debit Cards offer lower transaction fees, local data processing, and enhanced security for all your purchases. It’s a convenient, cost-effective, and secure way to manage your finances in the UAE.

3. Is Jaywan Debit Card accepted everywhere in the UAE?

   Yes! The Jaywan Debit Card is widely accepted at ATMs, POS terminals, and online platforms across the UAE.

4. Is my data secure with Jaywan?

   Absolutely. Jaywan ensures that all payment-related data is securely stored and processed within the UAE, giving you confidence in the safety and sovereignty of your personal information.

5. Can I use Jaywan Debit Card for international transactions?

   Jaywan Debit Cards are primarily designed for use within the UAE. However, they are accepted internationally at many online retailers and merchants that support local debit card schemes.

6. How do I get the Jaywan Debit Card?

   You can apply for the Jaywan Debit Card at any of our branches in the UAE. Visit our website www.bankofbarodauae.ae or contact your nearest branch for more details.