Bank of Baroda Savings Account Opening Online

By Mayashree Acharya

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Updated on: Sep 15th, 2025

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6 min read

Bank of Baroda savings account opening is simple and convenient, with both online and offline options available. Customers can choose from different BOB savings account types, each offering unique benefits, flexible features, and easy banking services.

Key Highlights

  • Bank of Baroda Savings Account Opening Online - Download the BOB app, select Open a Savings Account Digitally, provide PAN & Aadhaar details, and complete video KYC to activate your account.
  • Bank of Baroda Savings Account Opening Offline - Visit the nearest branch, fill out the account opening form with KYC documents, submit it with the initial deposit, and get your account activated after verification.

What is Bank of Baroda Savings Account?

A Bank of Baroda Savings Account is a secure and convenient way to save money while enjoying banking benefits like fund transfers, ATM access, and digital services. With simple procedures for Bank of Baroda saving account opening, customers can apply both online and offline. 

Bank of Baroda Savings Account Online

Follow the steps mentioned below to open a Bank of Baroda savings account online:

Step 1: Download the Bank of Baroda app on your mobile phone.

Step 2: You will find three horizontal lines in the top left corner, click it and select ‘Accounts’.

Step 3: Select the ‘Open a Savings Account Digitally’ option.

Step 4: If you agree with their terms and conditions, click on the ‘Yes’ option. 

Step 5: Provide your contact details including product type and bank sub-product. 

Step 6: Press the 'Generate OTP' button to receive the code.

Step 7: Provide your PAN card and Aadhaar card numbers. After completion, the bank officials will verify your provided details and contact you for further verification.

Step 8: Complete your video KYC for verification. Upon completion of your video KYC verification, you can start using your new BOB savings account.

Bank of Baroda Savings Account Offline

To open a Bank of Baroda savings account offline, follow these steps:

Step 1: Go to the nearest Bank of Baroda branch.

Step 2: Ask the bank officials for the Bank of Baroda account opening form and fill out the details.

Step 3: Choose the type of savings account you prefer to open.

Step 4: Provide the required details following the 'Know Your Customer' (KYC) format, such as address proof, identity proof, and passport-size photographs.

Step 5: Attach the necessary documents with the application form and a cash deposit slip or demand draft.

Step 6: After the bank officials verify your details, your savings account will be opened.

Documents Required for Baroda Bank Savings Account

The following is the list of documents required for the Bank of Baroda savings account opening:

  • Address Proof
    • Aadhaar card
    • Passport
    • Salary slip
    • Utility Bills
    • Bank statement
    • Ration card
    • Income tax assessment order
    • Registered sale deed or lease agreement
    • Pension payment orders
  • Identity Proof
    • Government/Defence ID Card
    • Aadhaar card
    • PAN card
    • NREGA job card
    • Photo ID cards issued by Post Offices
    • Voter ID card
    • Employee ID
    • Driving licence
    • Photo identity cards issued to students and approved by the All India Council for Technical Education (AICTE) or by the University Grants Commission (UGC)
  • PAN card
  • Two passport-size photographs

Eligibility Criteria for Opening Baroda Bank Savings Account

To open a Bank of Baroda savings account you need to meet the following eligibility criteria:

  • You must be an Indian citizen and should be at least 18 years or above. 
  • Minors can also open their BOB savings accounts with the help of their parents.
  • You must also have a valid identity and address proof to open the savings account. 

Bank of Baroda Bank Saving Account Types

Here is a list of different types of Bank of Baroda savings accounts that you can avail:

  1. Baroda Family Savings Accounts
  2. Baroda Senior Citizen Privilege Savings Account
  3. BOB BRO Savings Account
  4. Baroda Professional Savings Bank Account
  5. BOB LITE Savings Account
  6. Baroda Mahila Shakti Savings Account
  7. Baroda Pensioners Savings Bank Account
  8. Baroda Platinum Savings Bank Account
  9. Baroda Jeevan Suraksha Saving Account
  10. Baroda Champ Account
  11. Baroda SB Self-Help Group Account

The minimum balance required for a Bank of Baroda savings account differs based on the account. It ranges from Zero to ₹1 lakh. Click here to know the different types of Bank of Baroda savings accounts in detail and the required minimum balance for each types of account.

Bank of Baroda Saving Account Charges

Below is a list of Bank of Baroda savings account charges applicable for maintaining your account:

Types of Charges Charges
Transaction charges
  • Urban or Metro - ₹15 per debit (exceeding 50 debit entries)
  • Rural or Semi-Urban - ₹12 per debit (exceeding 50 debit entries)
Stop payment instructions charges
  • Urban or Metro - ₹100 per instrument
  • Rural or Semi-Urban - ₹75 per instrument
Passbook issuance charges
  • Urban or Metro - ₹200 per occasion
  • Rural or Semi-Urban - ₹175 per occasion
Cheque book issuance charges
  • Urban or Metro - ₹4 per cheque leaf
  • Rural or Semi-Urban - ₹2.50 per cheque leaf
Loss of complete blank cheque charges
  • Urban or Metro - ₹500
  • Rural or Semi-Urban - ₹400 
Addition or deletion of names in joint accounts
  • Urban or Metro - ₹200 per occasion
  • Rural or Semi-Urban - ₹175 per occasion
Account opening charges with restrictive operations ₹100
SMS alerts and charges ₹20 paise per SMS + GST up to Rs. 15 + GST per month
Inoperative account chargesNIL
Issuing interest certificate chargesNIL

Bank of Baroda Bank Saving Account Limit

The table below highlights the transaction limits for different types of Bank of Baroda savings accounts:

Bank of Baroda Bank Savings AccountTransaction Limit
Baroda Family Savings Accounts₹50,000 per day
Baroda Senior Citizen Privilege Savings AccountUnlimited transactions
BOB BRO Savings Account₹50,000 per day
Baroda Professional Savings Bank Account₹5,00,000 per day
BOB LITE Savings Account₹50,000 per day
Baroda Mahila Shakti Savings Account₹50,000 per day
Baroda Pensioners Savings Bank AccountUnlimited transactions
Baroda Platinum Savings Bank Account₹20,000 per day
Baroda Jeevan Suraksha Saving Account₹50,000 per day
Baroda Champ Account₹50,000 per day
Baroda SB Self-Help Group AccountNIL

Bank of Baroda Bank Saving Account Customer Care Number

If you face any issues or have queries regarding the Bank of Baroda savings account, you can contact them through the following customer care numbers:

  • Domestic: 1800 5700 
  • Customers Calling From Abroad: +91 79-66296009

Conclusion

Bank of Baroda offers a simple and flexible process for savings account opening, both online and offline. With Bank of Baroda saving account opening online, customers can complete the process quickly through video KYC, while the offline option ensures personalized assistance at the branch.

Related Articles:
1. ICICI Bank Savings Account Opening Online & Offline
2. How to Open SBI Saving Account Online & Offline?
3. How to Open HDFC Bank Savings Account Online & Offline?
4. Kotak Mahindra Bank Savings Account Opening Online & Offline
5. Union Bank Savings Account Opening Online & Offline
6. Bank of Maharashtra Savings Account Opening Online
Related Savings Interest Articles:
1. Axis Bank Savings Account Interest Rate
2. Punjab National Bank (PNB) Savings Account
3. Bank of Baroda (BOB) Savings Account
4. ICICI Bank Savings Account Interest Rate
5. Union Bank Savings Account Interest Rate
6. HDFC Bank Savings Account Interest Rate
7. Canara Bank Savings Account Interest Rate
8.SBI Savings Account Interest Rate

Frequently Asked Questions

What is the minimum balance in the Bank of Baroda savings account?

Different types of Bank of Baroda savings accounts have different minimum balances. This minimum balance ranges from zero to ₹1,00,000.

Is it possible to open a zero balance account with the Bank of Baroda?

Yes, the Bank of Baroda offers various zero-balance accounts, such as Baroda Champ Account, Baroda Pensioners Savings Bank Account, BOB BRO Savings Account and BOB LITE Savings Account. You are not required to maintain any minimum balance to maintain these accounts.

What documents are required to open a savings account in the Bank of Baroda?

You need to provide identity proof and address proof documents like an Aadhaar card, PAN card, etc. to open a savings account in the Bank of Baroda. 

Who is eligible for a zero balance account in BOB?

Any Indian resident around 18 years of age is eligible to open a zero balance savings account in BOB.

What are the different types of savings accounts available in BOB?

The BOB provides different types of savings accounts that are tailored to the needs of different types of customers from minor to senior citizens.

Is BoB a government bank?

Yes, Bank of Baroda (BoB), referred to as BOB, is a government bank. It is classified as a public sector bank (PSU) in India.

About the Author
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Mayashree Acharya

Senior Content Writer
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I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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