Great news for Bank of Baroda (BOB) account holders! The bank has rolled out several customer-friendly updates in 2025, including cash withdrawals from UPI ATMs and extra reward points on UPI transactions. Alongside these features, BOB has introduced various new rules aimed at modernizing banking, enhancing digital services, increasing UPI limits, and encouraging environment-friendly practices. These updates aim to offer customers a more convenient, secure, and rewarding banking experience.
Bank of Baroda Introduces New Rules to Improve Banking in 2025
Bank of Baroda, one of India’s leading public sector banks, frequently updates its services to better meet customer needs. In 2025, the bank implemented several significant changes designed to enhance customer convenience and modernize banking processes. These include increasing the daily UPI limit, improving digital banking services, and promoting green banking initiatives.
These latest improvements aim to offer smoother financial transactions, greater ease in managing accounts, and supporting environmental sustainability.
Key Highlights of Bank of Baroda’s (BOB) New Rules – 2025
| New Rule/Feature | Details | Customer Benefits |
|---|---|---|
| Digital Banking Expansion | Access to most banking services online | Perform banking tasks from home, save time |
| KYC Update Requirement | Mandatory KYC update every 2 years | Ensure account safety and compliance |
| BOB Super Saver FD Scheme | Launch of a special fixed deposit scheme | Higher interest rates and better returns |
| UPI Limit Increase | Daily UPI transaction limit raised to ₹5 lakh | Easier high-value transactions |
| Green Banking Drive | Focus on eco-friendly banking solutions | Environment protection, paperless services |
| AI Chatbot Support | 24×7 customer assistance via AI-powered chatbot | Instant problem resolution, anytime help |
| Biometric Login | Face ID and fingerprint login enabled | Faster, secure mobile banking access |
| WhatsApp Banking | Banking services available on WhatsApp | Quick account inquiries, balance checks, payments |
UPI ATM – Withdraw Cash Without a Debit Card
A groundbreaking facility introduced by Bank of Baroda in 2025 is the UPI ATM system, allowing customers to withdraw cash without using their debit card. This system leverages UPI (Unified Payments Interface) technology, making cash withdrawals more secure and convenient.
With this innovation, customers can access cash at ATMs even if they forget their debit card. This is especially helpful for senior citizens, rural residents, and those seeking a contactless transaction option.
How to Withdraw Cash from a UPI ATM:
- Select the “UPI Cash Withdrawal” option on the ATM screen.
- Enter the desired withdrawal amount.
- A QR code will appear on the screen.
- Open any UPI app like BHIM, Baroda Pay, Google Pay, or PhonePe.
- Scan the QR code displayed on the ATM.
- Enter your UPI PIN to authorize the transaction.
- Collect your cash from the ATM.
Benefits of UPI ATM:
- No need to carry a debit card.
- Safe, contactless transactions.
- Accessible for rural customers with limited banking facilities.
Extra Reward Points on UPI Transactions – Earn More Benefits
In another customer-friendly move, Bank of Baroda has removed the limit on reward points earned through UPI transactions. Previously, customers could only earn up to 500 points per billing cycle. Now, there is no upper limit, allowing customers to earn unlimited reward points.
These reward points can be redeemed for:
- Discounts on products and services.
- Cashback, converting points into cash.
- Exclusive offers like vouchers and shopping deals.
This update is especially advantageous for those who frequently use UPI for daily expenses, enabling greater savings and added benefits.
Green Banking – Bank of Baroda’s Eco-Friendly Initiative
Bank of Baroda is actively promoting environment-friendly banking solutions under its Green Banking Initiative. These steps are aimed at reducing the bank’s carbon footprint and encouraging customers to adopt paperless services.
Key Green Banking Steps:
- Paperless Banking: Encouraging online transactions instead of paper slips.
- Solar-Powered ATMs: Using renewable energy for ATM operations.
- Green Loans: Offering low-interest loans for eco-friendly projects like solar panels.
- E-Statements: Providing account statements via email to reduce paper use.
- Recycled Materials: Using recycled products in bank branches.
These steps align with global environmental goals and offer customers an opportunity to contribute to sustainability.
Digital Banking – Convenient Services at Your Fingertips
Bank of Baroda is expanding its digital banking ecosystem to ensure customers can access essential services without visiting a branch. This includes improvements to the mobile banking app and internet banking platform.
Services Available Through Digital Banking:
- Open Savings Accounts from home.
- Transfer funds instantly.
- Pay utility bills.
- Apply for personal and home loans.
- Check account statements anytime.
Benefits of Digital Banking:
- 24/7 Availability: Access banking services anytime.
- Time-Saving: Avoid long queues at branches.
- Secure: Equipped with Face ID, fingerprint login, and OTP verification.
Easy Online KYC Update – No Need to Visit the Bank
Bank of Baroda has simplified the KYC (Know Your Customer) update process by enabling online submission. Now, customers can update their KYC details from home without visiting a branch.
How to Update KYC Online:
- Visit Bank of Baroda’s official website.
- Select “Online KYC Update”.
- Enter your details and upload necessary documents.
- Submit the form – You will receive confirmation after verification.
This online KYC update feature is particularly beneficial for senior citizens, professionals, and rural customers who face difficulty visiting bank branches.
Summary – Bank of Baroda’s New Customer-Friendly Rules at a Glance
| Rule | Benefit |
|---|---|
| UPI ATM Cash Withdrawal | Withdraw cash without a debit card |
| Reward Points on UPI | Earn unlimited reward points on UPI payments |
| Green Banking Initiative | Environment-friendly banking practices |
| Digital Banking Expansion | Access banking services from home 24/7 |
| KYC Online Update | Update KYC from home, no branch visit |
| Higher UPI Transaction Limit | Daily UPI limit increased to ₹5 lakh |
Final Thoughts
Bank of Baroda’s new rules and facilities in 2025 are aimed at offering customers a seamless, digital-first, and eco-friendly banking experience. Features like UPI ATM cash withdrawals, unlimited UPI reward points, digital banking improvements, and green banking steps will enhance convenience, security, and customer satisfaction.
By embracing technology and sustainability, Bank of Baroda is setting a new standard for modern banking in India, ensuring its customers always stay ahead in their financial journey.