How to Check Your Bank of Baroda Account Balance ?

How to Check Your Bank of Baroda Account Balance ? – Bank of Baroda (BoB), one of India’s top public sector banks, makes it easy for customers to check their account balance. Whether you like using digital tools or prefer offline options, BoB offers simple and convenient ways to stay updated on your finances. In this guide, you’ll find all the balance check methods, how to use them, and answers to common questions.

Methods to Check Bank of Baroda Account Balance

Bank of Baroda (BoB) provides multiple avenues for balance inquiries, catering to both tech-savvy users and those who prefer conventional banking. Below are the primary methods to check your account balance:

1. Missed Call Service

BoB’s missed call service is a quick and free way to check your balance without an internet connection.

Steps:
1. Dial 8468001111 from your registered mobile number.
2. The call will automatically disconnect after one ring.
3. You will receive an SMS with your account balance and the last four digits of your account number.
Note: This service is available 24/7, but limited to three uses per day. It applies to Savings Bank (SB), Current Account (CA), Overdraft (OD), and Cash Credit (CC) accounts. For multiple accounts linked to one number, the SMS may include details for all accounts (up to 320 characters).

2. SMS Banking

SMS banking allows you to receive balance details by sending a text message from your registered mobile number.

Steps:
1. Type BAL last 4 digits of your account number (e.g., BAL 1234).
2. Send the message to 8422009988.
3. Receive an SMS with your account balance.
Note: Standard SMS charges may apply. Ensure your mobile number is registered with the bank.

3. WhatsApp Banking

BoB offers balance inquiries through WhatsApp, turning your messaging app into a banking tool.

Steps:
1. Save BoB’s WhatsApp number 8433888777 in your contacts.
2. Send Hi to initiate a conversation.
3. Select Balance Enquiry from the menu options.
4. Receive your account balance in the chat.
Note: Your mobile number must be registered with BoB to use this service. It’s available 24/7 and free of charge.

4. Mobile Banking (BOB World App)

The BOB World mobile app provides a user-friendly platform to check your balance and access other banking services.

Steps:
1. Download the BOB World app from the Google Play Store or Apple App Store.
2. Log in using your User ID, MPIN, or biometric authentication.
3. Navigate to My Accounts or Account Summary.
4. Click View Account Balance to see your balance.
Note: You must register for mobile banking to use this service. The app supports multiple languages and is secure with OTP-based authentication.

5. Internet Banking

BoB’s net banking portal allows you to check your balance from any device with an internet connection.

Steps:
1. Visit the BoB net banking portal at www.bankofbaroda.in.
2. Log in with your User ID and password.
3. Go to View Account Details or Account Summary.
4. Select Check Account Balance to view your balance.
Note: You need to register for net banking at a BoB branch or online. The portal uses encryption and multi-factor authentication for security.

6. UPI Apps

Unified Payments Interface (UPI) apps like Google Pay, PhonePe, or Paytm can be used to check your BoB account balance.

Steps:
1. Open your preferred UPI app.
2. Select your BoB account.
3. Choose the Check Balance option.
4. Enter your UPI PIN to authenticate.
5. View your balance on the screen.
Note: Your BoB account must be linked to the UPI app, and your mobile number should be registered.

7. ATM Balance Check

Using a BoB debit card, you can check your balance at any ATM.

Steps:
1. Visit a nearby ATM (BoB or other banks).
2. Insert or swipe your BoB debit card.
3. Enter your 4-digit ATM PIN.
4. Select Balance Enquiry to view your balance on the screen.
Note: A receipt with balance details may be generated. No charges apply for BoB ATMs, but fees may apply at non-BoB ATMs.

8. Passbook Update

For those who prefer traditional methods, updating your passbook at a BoB branch is a reliable option.

Steps:
1. Visit your nearest BoB branch with your passbook.
2. Use a Self-Service Passbook Printer or request staff assistance to update it.
3. Check your updated passbook for the current balance.
Note: Regular updates are necessary to reflect the latest transactions.

9. Toll-Free Customer Care

You can check your balance by calling BoB’s customer care.

Steps:
1. Dial 1800-102-4455 (toll-free in India) or +91-79-66296009 (for international customers).
2. Follow the Interactive Voice Response (IVR) prompts.
3. Select the balance inquiry option and provide the required details.
Note: Available 24/7, this method is useful if other options are inaccessible.

Benefits of Regular Balance Checks

Track Spending: Monitor your expenses and stay within budget.
Prevent Overdrafts: Ensure sufficient funds to avoid penalties.
Detect Fraud: Identify unauthorized transactions quickly.
Financial Planning: Make informed decisions about savings and investments.

Security Tips

Use only registered mobile numbers for missed calls, SMS, or WhatsApp banking.
Never share your User ID, password, MPIN, or OTP with anyone.
Ensure secure internet connections when using net banking or mobile apps.
Report suspicious activity immediately to BoB’s toll-free number 1800-5700.

Frequently Asked Questions (FAQs)

1. Is there a charge for checking my balance via missed call or SMS?
No charges are levied for the missed call service (8468001111). However, standard SMS charges may apply for SMS banking (8422009988).

2. Can I check the balance of multiple accounts linked to one mobile number?
Yes, the missed call or SMS service will provide balance details for all accounts linked to your registered mobile number, up to a 320-character limit. For specific accounts, configure a preferred account or use net/mobile banking.

3. How do I register for BoB’s missed call or SMS service?
Your mobile number must be registered with BoB at your home branch. No separate registration is needed for missed call or SMS services if your number is already linked.

4. Is WhatsApp banking safe for balance inquiries?
Yes, BoB’s WhatsApp banking (8433888777) is secure, requiring a registered mobile number and offering encrypted communication. Always verify the official number to avoid scams.

5. Can I check my balance without an internet connection?
Yes, you can use missed call (8468001111), SMS (8422009988), ATM, passbook updates, or toll-free customer care (1800-102-4455) without internet access.

6. How do I get a mini statement for my BoB account?

Missed Call: Dial 8468001122 from your registered number to receive an SMS with the last five transactions.
SMS: Send MINI last 4 digits of account number to 8422009988.
BOB World App/Internet Banking: Log in and navigate to Transaction History or Mini Statement.

7. What should I do if I lose my registered mobile number?
Contact your BoB branch to update your mobile number. You can also use net banking, mobile banking, ATMs, or passbook updates to check your balance in the meantime.

8. Are BoB’s online balance check services available 24/7?
Yes, missed call, SMS, WhatsApp, net banking, mobile banking, and toll-free customer care services are available 24/7.

Website – https://www.bankofbaroda.in/

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