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

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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.

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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)

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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!

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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.

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Various Fund Transfer Limits in Mobile Banking:

Sr. No.	Type of Transaction	Limits
1	Third Party Within Bank	AED 20,000/- Per Txn. & AED 40,000/- Per Day
2	Interbank Fund Transfer	AED 50,000/- Per Txn. & AED 100,000/- Per Day
3	Rapid Fund To India	AED 40,000/- Per Txn. & AED 40,000/- Per Day
4	Credit Card Payment	AED 20,000/- Per Txn. & AED 25,000/- Per Day

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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

VISA Classic Debit Card	Per Transaction Limit	Per Day Limit	No. of Txns. Allowed Per Day
Cash Withdrawal	AED 10,000	AED 20,000	10
Cash Deposit (Individual customer)	AED 40,000	AED 40,000
Cash Deposit (Corporate customer)	AED 200,000	AED 200,000
Rapid Funds to India (RFI)	AED 40,000	AED 40,000
POS & e-Commerce	AED 15,000	AED 25,000
Cash on Mobile	AED 2,000	AED 5,000
Contact-less transaction	AED 500	AED 500

VISA Gold Debit Card	Per Transaction Limit	Per Day Limit	No. of Txns. Allowed Per Day
Cash Withdrawal	AED 15,000	AED 25,000	10
Cash Deposit (Individual customer)	AED 40,000	AED 40,000
Cash Deposit (Corporate customer)	AED 200,000	AED 200,000
Rapid Funds to India (RFI)	AED 40,000	AED 40,000
POS & e-Commerce	AED 25,000	AED 50,000
Cash on Mobile	AED 2,000	AED 5,000
Contact-less transaction*	AED 500	AED 500

*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:

IF CONTACTLESS TRANSACTION AMOUNT LESS THAN OR EQUAL TO AED 500	PIN NOT REQUIRED
IF CONTACTLESS TRANSACTION AMOUNT EXCEEDS AED 500	PIN REQUIRED
UP TO 3 CONTACLESS TRANSACTION PER DAY	PIN NOT REQUIRED
4TH CONTACTLESS TRANSACTION ONWARDS	PIN REQUIRED

• 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.

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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.

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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.

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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.

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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.

Aani Instant Payments

Send money instantly. Simply. Securely.

Experience a smarter way to send and receive money in the UAE with Aani, the UAE’s instant payment service powered by Al Etihad Payments.

With Aani, you can transfer money in seconds, using simple identifiers such as a registered mobile number or Emirates ID of the beneficiary, without needing their bank account details or IBAN.

Your bank account. The convenience of Aani. Payments made simple.

Access Aani through the Aani mobile app to enjoy convenient instant payments, subject to your account eligibility and the services available.

Download the Aani app (Available on Google Play and the Apple App Store)

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About Aani

Aani is the UAE’s instant payment service operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE. It enables customers of participating licensed financial institutions to send and receive payments digitally, with transactions processed in seconds and available around the clock.

Aani uses the UAE’s Instant Payment Platform (IPP) to facilitate real-time payments between participating financial institutions.

You can access Aani through its dedicated mobile application, where eligible bank accounts can be linked to make and receive payments. Your access to Aani is separate from your bank’s mobile banking app.

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Benefits of using Aani

Instant payments, anytime

Send and receive money in seconds, 24 hours a day, 7 days a week, including weekends and public holidays, subject to service availability.

No need to share your IBAN

Make payments using a registered mobile number or other supported payment identifiers, such as Emirates ID or QR code.

Simple and convenient

Make everyday payments using a few straightforward steps in the Aani app. Spend less time entering payment details and more time getting things done.

Easy ways to pay and collect

Depending on the features enabled for your account, you can send money, request payments, scan QR codes, or split shared expenses with friends and family.

Secure digital payments

Aani is operated by Al Etihad Payments and is part of the UAE’s regulated payment ecosystem. Use the app’s authentication and security features, and always verify payment details before confirming a transaction.

A connected UAE payment experience

Transfer funds between eligible accounts at participating UAE financial institutions, in UAE Dirhams (AED), without needing to know the recipient’s bank account number.

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Available Features

Send money

Transfer money to an eligible Aani user using their registered mobile number or another supported identifier. Confirm the recipient and amount before authorising the payment.

Receive money

Receive payments directly into your linked and designated account, subject to the applicable Aani registration and account settings.

Request a payment

Need someone to pay you back? Send a payment request to an eligible Aani user. The recipient can review the request and decide whether to make the payment.

Pay using QR codes

Where QR payments are supported, scan a QR code to initiate a payment without manually entering the recipient’s details.

Split shared expenses

Make sharing everyday expenses easier by using available payment-request or split-payment features in the Aani app.

The availability of individual features depends on the participating financial institution, and applicable account eligibility (all mobile banking customers of Bank of Baroda, are eligible for using Aani app).

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How to get started with Aani

Getting started is simple. Follow these steps to access Aani through its dedicated mobile app.

Step 1: Download the Aani app

Download the official Aani app from the Google Play Store or Apple App Store.

Step 2: Register and verify your identity

Open the Aani app and follow the registration and authentication instructions. Use your registered details and complete any verification required.

Step 3: Link your eligible bank account

Follow the in-app instructions to link your eligible account. Complete the authentication using the Mobile Banking MPIN.

Step 4: Start making instant payments

Once your account is successfully linked and activated, select the available payment function, enter or select the recipient, confirm the payment details, and authorise the transaction.

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Frequently asked questions

1. What is Aani?

Aani is the UAE’s instant payment service operated by Al Etihad Payments. It enables customers of participating financial institutions to send and receive money digitally in seconds, using supported payment identifiers such as mobile numbers.

2. What is the Instant Payment Platform (IPP)?

The Instant Payment Platform is the infrastructure that enables participating financial institutions to process eligible payments in real time. Aani provides customers with access to instant payment services through its mobile app and, where offered, through participating banks’ own digital channels.

3. Can I use Aani with my bank account?

All mobile banking users are eligible account for using the AANI app. The required registration and activation have to be completed. Follow the instructions in the Aani app or contact the bank’s customer service toll free number for assistance.

4. Does my bank offer Aani through its mobile banking app?

Aani services for our customers are accessed through the dedicated Aani mobile app. You can however use IPP fund transfer using beneficiary account/ IBAN no. using mobile banking and e-banking application, if the beneficiary’s LFI is onboarded on the Aani platform.

You can continue to use the bank’s existing channels for other banking services and use the Aani app for eligible instant payment transactions.

5. How do I download the Aani app?

Download the official Aani app from the Google Play Store or Apple App Store. Check that the developer is Al Etihad Payments before installing the app.

6. Do I need the recipient’s IBAN to send money?

For supported Aani proxy payments, you can use the recipient’s registered mobile number or another supported identifier instead of requesting their IBAN. Always check the recipient’s details displayed in the app before authorising a payment.

7. How quickly are Aani payments processed?

Aani is designed to process eligible payments in real time, typically within seconds. The final status depends on the transaction and service availability. Always check the confirmation or transaction status in the app.

8. Can I use Aani at any time?

Aani is designed for 24/7 instant payment processing, including weekends and public holidays. Transactions remain subject to service availability, applicable limits, and security checks.

9. Are there any charges?

Please refer the latest Service Charges for the same.

10. Is Aani secure?

Aani operates within the UAE’s regulated payments ecosystem and incorporates security measures to protect transactions. For your protection, never share your PIN, password, or one-time password with anyone. Always verify the recipient and amount before confirming a payment.

11. Can I cancel a payment after it has been completed?

Instant payments may be processed immediately and may not be cancellable or amendable after confirmation. Check the payment details carefully before authorising the transaction. If you send money to the wrong recipient or suspect an unauthorised transaction, contact the bank immediately.

12. What should I do if my Aani registration or payment fails?

Check that your app is updated, your account is eligible and linked correctly, and your registration details are accurate. Review the transaction status before trying again to avoid duplicate payments. If the issue continues, contact the bank’s customer care.

13. Can I send money internationally using Aani?

Aani currently supports domestic payments between participating UAE financial institutions in AED.

14. Can I link more than one bank account to Aani?

The Aani app supports linking multiple eligible accounts from participating financial institutions, subject to registration requirements and the app’s current functionality. Check the app for available account-linking options and applicable conditions.

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Important information

Aani services are provided through Al Etihad Payments and participating licensed financial institutions. Availability depends on eligibility, successful registration, participating institutions, and the features enabled for your account. Transaction limits, fees, processing, and other terms will apply.

Please verify all recipient details before confirming a payment. Instant payments may not be reversible once processed. Never disclose your security credentials or approve payment requests you do not recognise.

For help with your linked bank account, eligibility, registration, transaction limits, or a payment issue, please contact our customer care number or branch.

Aani. A simpler way to pay, built for the UAE.