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About Bank of Baroda Savings Account
A savings account is the most basic form of account that allows an individual or an institution to conduct their everyday banking transactions via multiple channels – Branch banking, internet banking, mobile banking, etc. The balance maintained in the savings account accrues a nominal interest that is credited to the account on a regular basis. It is a convenience offered to individuals looking for a safe way to save surplus money.
Bank of Baroda has a dynamic and user-friendly banking solution to suit individual needs. Convenient internet banking tools allow customers to access their account from anywhere anytime. Their global presence, with more than 9500 branches and 13,400 ATMs, helps customers to avail their services from anywhere across the world. Their Core Banking Services is extended to include Enterprise-wide General Ledger, Risk Management, Cheque Truncation, Credit cards, NEFT, RTGS, SWIFT, Internet Payment Gateway, HR services, Payroll services and many more.
Bank of Baroda is truly a modern bank since it has highly secure and dynamic web services for quick and hassle-free banking.
Baroda Advantage Savings Account
Urban / Metro
Baroda Champ Savings Account
Baroda Mahila Shakti Salary Accounts
Charges for not maintenance of minimum balance
Baroda Platinum Saving Bank Account
Baroda Senior Citizen Privilege Savings Account
Baroda Pensioners Savings Bank Account
Baroda Jeevan Suraksha Savings Bank Account
Baroda Salary Premium
Baroda Salary Privilege
Baroda Salary Super
Baroda Salary Classic
Saving Deposits Balance up to Rs.1,00,000
Saving Deposits Balance above Rs.1,00,000 but less than Rs.200 crore
Saving Deposits Balance above Rs.200 crore but less than Rs.1,000 crore
Saving Deposits Balance above Rs.1,000 crore
There are a few fees and charges associated with the maintenance of a Savings Bank Account
Issue of duplicate Passbook/statement
Issue of additional cheque book
Rs. 4 per cheque leaf
Charges for non-maintenance of QAB
Rs. 50 - Rs. 1000
Addition/deletion of names in Joint Accounts/
Change in operational instructions (including Lockers)
Rs. 100 per occasion
Modification or change in Nomination
Rs. 50 + remittance fees
Cheque returned charges
Rs. 125 – Rs. 750
Charges for inoperative accounts
SMS Alert charges
Rs.15/- per quarter
Simply walk into the nearest branch of Bank of Baroda and talk to a customer service representative. Having the following KYC documents handy can speed up the process:
Alternatively, you can fill in the necessary details on the website and a bank representative will visit you to collect the documents. In 48hrs you will have your cheque book and debit card delivered to you.
Bank of Baroda is India’s second-largest public sector bank with national and international banking & financial services. It has been serving over 82 million customers in over 22 countries for more than a century. Bank of Baroda (BOB) is a pioneer of hi-tech banking solutions. It offers banking solutions to individuals, whether they are looking to conduct simple everyday transactions or working towards achieving their professional goals.
1. What is the best interest rate that I can get on my savings account?
The maximum current interest rate offered for balances above Rs.1000 crores is 3.20% per annum. For the latest interest rates, it is advisable to contact the nearest branch.
2. How frequently is the interest credited for my savings account balance?
Interest earned on your savings account balance is credited to your account on a quarterly basis.
3. Are there any charges for non-maintenance of the minimum balance in my savings account?
Bank of Baroda has various Savings Bank account products that do not require you to maintain a minimum balance. However, some premium savings bank accounts attract a very nominal charge for non-maintenance of minimum balance. It is wise to check with the bank before opening the account.
4. What are some of the services I can avail of at a Bank of Baroda ATM?
Bank of Baroda ATMs allow you to perform a number of banking transactions apart from dispensing cash
5. Is there a limit on the cash withdrawal using my ATM card?
The cash withdrawal limit on an ATM card is set by the bank depending on the type of savings account linked to the card. For cash withdrawals at Bank of Baroda ATMs, a usual limit of up to Rs. 40000 is set. However, for other bank ATMs the cash withdrawal limit is set at Rs. 25000 in a day
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