Bank of Baroda (BOB) MPay UPI app
Bank of Baroda (BOB) was established as early as 1908 and is one of the most renowned public sector banks in India. As part of its digital expansion initiative, Bank of Baroda has launched the Baroda MPay app - which is an easy-to-use application that is empowered by the Unified Payments Interface (UPI) system.
Customers who use this app will be able to carry out financial transactions using a Virtual Payment Address (VPA). It will not be necessary to provide other details such as bank account number, IFSC code, mobile number, name of payee/beneficiary, etc. It is also not required to register the beneficiary/payee.
Baroda MPay Features & Benefits
- Use just one app for multiple functions.
- Can use more than 1 bank account through the app.
- Users can both collect and send money.
- Secure interface.
- Immediate fund transfer.
- Available on a 24./7 basis.
- Scan and pay feature available.
- No need to use IFSC code or other account details.
- There is no need to register the payee.
How to Register on the Bank of Baroda UPI App (MPay)?
The process involved in registering for the Baroda MPay app is pretty simple. Listed below is the stepwise process involved:
Step 1: Go to Google Play Store and download the Baroda MPay app.
Step 2: Now, if you are registering for the first time, click 'Register. For existing users, you will have to login.
Step 3: Fill in details such as name, email address. Select account, and create a VPA.
Step 4: Verify mobile number and choose a PIN and answer security questions.
How to Add Bank Account for Baroda MPay?
- Post the profile creation on the Baroda MPay app, go to the home page and login.
- Post this step, choose the 'Add Bank Account' options.
- Choose the name of your bank using the drop down menu.
- Choose the account number and set up VPA or go on to choose the default one.
How to Transfer Money Using UPI in Baroda MPay App?
- Login to the Bank of Baroda MPay app and choose the 'UPI' feature.
- Choose the option that allows you to send money through VPA.
- Key in the VPA of the payee, amount and click 'Submit'.
- Enter your UPI PIN to authenticate the transaction.
- The fund transfer will be made on a real-time basis.
How to Collect or Receive Money via Baroda MPay?
- Launch the app on your phone and login with all existing credentials.
- Go to the option that allows you to initiate a collect request using VPA.
- Choose the VPA of the person from whom you want money.
- Verify details and submit.
How to Use Baroda MPay to Scan and Pay?
- Log in to the app.
- Choose the Scan QR Code feature.
- Scan the code using the phone camera.
- Make payment using UPI PIN.
Transaction Limit for BOB Mpay
Maximum amount per transaction | Rs.25,000 |
Maximum amount per day | Rs.50,000 |
Transaction Timing for Mpay UPI App
- Fund transfer and UPI transactions can be made at any point of time on a 24/7 basis and on all 365 days in a year.
Bank of Baroda UPI Charges
- As of now there are no transaction charges for using UPI for fund transfers.
- Bank of Baroda offers a number of incentives to people who use UPI. Let us take a look at them below:
Transaction | Amount | Applicable terms |
UPI | Rs.25 | The transaction value should be Rs.100 or above Maximum number of incentives for this is on 20 transactions each month |
For Baroda MPay App-based Financial Transactions:
Transaction | Amount paid each month | Applicable terms |
More than or equal to 25 but less than 50 | Rs.100 | The transaction should be at least for Rs.10 |
More than or equal to 50 but less than 100 | Rs.200 | The transaction should be atleast for Rs.10 |
More than 100 | Rs.250 | The transaction should be at least for Rs.10 |
Complete List of Services Offered by Baroda MPay
Financial services:
- Fund transfers on a 24/7 basis.
- Recharge mobile number, data card or DTH.
- Payment of bills.
- Scan & Pay.
- Initiate collect requests.
Non-financial services:
- Check the status of any transaction.
- Set UPI pin or change UPI pin.
- Generate OTP.
Utility bills that can be paid using the app:
- Gas
- Insurance
- Electricity
- Telephone
- Data card
- Bill payment.
FAQs on Mpay UPI App
- What is UPI?
Expanded as Unified Payments Interface, UPI, is a type of payment system that has been launched by the National Payments Corporation of India (NPCI) in order to promote the use of digital and cashless banking in the country. With UPI, one can send and receive money without bank account number or IFSC code to any other UPI-enabled bank account in India.
- How will I know which is the Baroda MPay app?
When you go to Google Play store and type Baroda MPay, the same will be displayed and you can download it free of cost.
- What are the platforms on which the service is available?
At present, the app can only be downloaded on Android platforms.
- Is it possible to use this app on a laptop or desktop?
Unfortunately, not.
- Do I have to pay any fee for using this service?
Absolutely not. It can be used free of cost.
- To use this app, is it a must to have a savings account with Bank of Baroda?
No. To use this app you can have an account in any bank, as long as the bank is UPI-enabled.
- Is it possible to add more than one bank account?
Yes, any number of bank accounts can be synched with the app and used.
- Is it possible to send money abroad using this app?
Unfortunately, not.
- Is it possible to de-register? How?
Yes. This can be done through the app.
- Is it possible to view all transactions made using the app?
Yes. This can be viewed in the 'Transaction History' option that is available on the app.
- What is VPA?
Virtual Payment Address (VPA) is like an email ID that is used to send and receive money using UPI. This helps uniquely identify a person who is using this particular service.
- What happens if I enter the wrong PIN?
If you enter the wrong PIN more than 3 times, the account will be deactivated.
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