In this column, you’ll find out how to activate the Bank of Baroda UPI Account by using various UPI apps like the BOB World app, BHIM Baroda Pay, or BHIM UPI App.
Bank of Boards is the second-largest PSU bank and third largest bank in India with a 120 million customer base. With such a huge customer base, the demand for banking services is also high.
To cater to this demand, the Bank of Baroda has adopted various technological systems for banking like fully digital bank account opening online, UPI enables payments system, BOB Net Banking, BOB Mobile banking, etc.
Among these services, UPI is one of the most used services, so much so that because of the UPI, India has become the country with the most digital transactions leaving behind the United States and China.
What is UPI?
UPI stands for Unified Payment Interface which is a payment system where an individual can send and receive funds on his/her bank account on a network.
This network uses a Virtual Payment Address (VPA) to connect to the bank account and the transfer of funds can be facilitated. It is a safe and secure method to transfer funds and is fully backed by RBI and NPCI.
The success of UPI has made India a global leader in the field of payments systems which even made Google write a letter to the Federal Reserve of United States to develop their version of UPI to cater to the American Market.
Activate Bank of Baroda UPI Account
You can activate UPI access for your Bank of Baroda Account by using various UPI apps. Bank of Baroda also provides a dedicated BHIM UPI app to use the UPI services.
Apart from BOB, you can also use NPCI developed BHIM app to connect your account and UPI app. The following are the UPI-enabled apps that you can use to connect UPI and Bank of Baroda bank account-
Bank of Baroda World
Bank of Baroda World app is a one-stop banking app where you get access to all banking services like online BOB account opening, BOB Debit Card activation, etc. Using this app, you can also use the UPI system of payment. You can follow these steps to activate the UPI Account on your BOB Mobile banking app-
- For using the BOB World app, you have to register and activate the BOB World app
- After the activation, you have to navigate to the UPI section of the app
- Now, the UPI app will access your SIM card and send an SMS to connect your UPI Account and phone number. Make sure the phone number you are using is the same number that you have provided to the bank.
- The app will verify your bank and phone number and redirect to a form where you have to insert your name, number and select your bank account i.e. Bank of Baroda
- Now, you have to choose the bank account that you want to connect to use UPI
- After choosing the bank, you have to provide your custom VPA of your choice and click on the Next button
- Now, you have to provide 4 digit MPIN, your email address and have to choose a security question followed by clicking on the “I Agree” checkbox
- Now, click on the submit button and you’ll be prompted by a registration successful message. You can now use the UPI ID for doing transactions in and out of your bank account.
BHIM Baroda Pay
BHIM Baroda Pay is a dedicated UPI bank account that you can use to access UPI. The following are the step by step methods of registering for BHIM Baroda pay-
- Download and install the BHIM Baroda Pay app from the play store or Appstore depending on the platform you are using
- Now, you have to give in some device permission to access the app fully
- After giving permission, you’ll be redirected to a new screen where you have to provide your Phone number which is connected to your bank account followed by clicking on the Submit button
- choose the bank from the given bank list
- Now, you have to choose the bank account that you want to connect to use UPI
- After choosing the bank, you have to provide your custom VPA of your choice and click on the Next button
- Now, you have to provide 4 digit MPIN, your email address and have to choose a security question followed by clicking on the “I Agree” checkbox
- Now, click on the submit button and you’ll be prompted by a registration successful message. You can now use the UPI ID for doing transactions in and out of your bank account.
BHIM UPI App
BHIM UPI is developed by the National Payments Corporation of India (NPCI) to provide full access to the users of UPI services. You can follow these steps to activate UPI access of your bank account using the BHIM UPI app-
- Download and install the BHIM UPI app from the Play Store or App Store
- Open the app and select the language you are comfortable followed by clicking on the proceed button
- Now allow device permissions and select the SIM you want to connect to the UPI. Make sure you are selecting the SIM which is also connected to your Bank Account
- An SMS will be sent from your mobile number to verify your bank account
- After successful verification, you have to provide MPIN which will be used to access your UPI account
- Now, you have to choose the bank where you have your account present
- Your UPI Account is registered and you can now use the BHIM UPI App to make or receive payments
I’m Shiv Kumar, a graduate with a passion for finance, marketing, and technology. My journey into finance started with a desire to understand money management and investing.
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