Bank of Baroda UPI Setup and Daily Limit Guide
Bank of Baroda UPI Setup and Daily Limit Guide
Setting up UPI on your Bank of Baroda account is quick and straightforward through the Baroda M-Connect Plus app. Once set up, you can send and receive money instantly 24×7. Here is everything you need to know about BOB UPI setup and daily limits for 2026.
How to Set Up Bank of Baroda UPI
- Download Baroda M-Connect Plus from Google Play Store or Apple App Store.
- Register using your Bank of Baroda registered mobile number.
- Log in and tap on UPI from the home menu.
- Select Add Bank Account and choose Bank of Baroda from the list.
- Verify your account by entering your debit card details and setting a 6-digit UPI PIN.
- Your BOB UPI ID (usually yourname@barodampay or yourphonenumber@barodampay) is now active.
You can also set up Bank of Baroda UPI through BHIM, Google Pay, or PhonePe by selecting Bank of Baroda during bank account linking.
Bank of Baroda UPI Daily Transaction Limits
| Transaction Type | Limit |
|---|---|
| Standard UPI per transaction | Rs 1,00,000 |
| Daily cumulative UPI limit | Rs 1,00,000 |
| UPI Lite per transaction | Rs 500 |
| UPI Lite wallet limit | Rs 4,000 |
Higher limits apply for specific merchant categories approved by NPCI such as capital market transactions (Rs 2,00,000) and IPO applications (Rs 5,00,000).
Troubleshooting Bank of Baroda UPI
- Transaction declined: Ensure your daily limit has not been reached and your debit card is active.
- Cannot set UPI PIN: Your debit card must be active. Contact BOB customer care at 1800-258-4455 if the card is blocked.
- Bank account not detected: Ensure your SIM card matches the BOB registered mobile number.
Key Takeaways
- Bank of Baroda UPI is set up through the Baroda M-Connect Plus app.
- Standard UPI daily limit is Rs 1,00,000 as per NPCI guidelines.
- UPI Lite supports small payments up to Rs 500 per transaction.
- UPI PIN can be reset through the Baroda M-Connect Plus app anytime.
Frequently Asked Questions
What is the Bank of Baroda UPI ID format?
Bank of Baroda UPI IDs typically follow the format yourname@barodampay or mobilenumber@barodampay, created when you set up UPI through the Baroda M-Connect Plus app.
Is there a charge for UPI transactions on Bank of Baroda?
No. UPI transactions are free for customers at Bank of Baroda as per RBI and NPCI guidelines. No per-transaction fee is levied.
Can I use Bank of Baroda UPI on BHIM app?
Yes. You can link your Bank of Baroda account to the BHIM app or any NPCI-certified UPI app including Google Pay and PhonePe.
What should I do if my Bank of Baroda UPI PIN is locked?
If your UPI PIN is locked after multiple wrong attempts, wait 24 hours and then reset it through the Baroda M-Connect Plus app using your debit card details and OTP.
