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Bank of Baroda UPI PIN - Create & Reset

Bank of Baroda UPI (Unified Payments Interface) facility provides an easy and quick way to access your Bank of Baroda account on your mobile and perform transactions from it. But in order to perform any financial transaction you need to create Bank of Baroda UPI PIN for your account. This is a secure PIN which helps you safely perform transactions from your Bank of Baroda account.


Bank of Baroda UPI PIN can be created online and you don’t have to visit the branch or ATM for generating it. To create UPI PIN all you need is a debit or ATM card which is linked to your bank account. You can download our mobile app and then quickly create your BOB UPI PIN and start performing transactions from your bank account.


After generating your Bank of Baroda UPI PIN you can perform following types of transactions:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Credit card bill payment
  4. Electricity bill payment
  5. Gas bill payment
  6. Mobile recharge & mobile post-paid bill payment
  7. DTH recharge
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to create and reset your Bank of Baroda UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your Bank of Baroda account. One SMS will be sent from your phone to verify your mobile number
  3. Select Bank of Baroda for BHIM registration
  4. All your bank accounts will be registered and activated for Bank of Baroda BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from Bank of Baroda for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with Bank of Baroda and you can now use it to perform financial transactions on your mobile

After this your BOB UPI registration process is complete and you can start performing BHIM UPI transactions such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

Features of UPI PIN


Create Bank of Baroda UPI PIN online

Without visiting the branch or ATM, you can create your own UPI PIN using our mobile app. This feature enables you to create your own PIN on your own mobile, making it completely flexible and secure.

Separate UPI PIN for each Bank of Baroda account

For customers who have multiple accounts with BOB, they have to create separate UPI PIN for each account. As each account will have a separate PIN, you can be 100% assured about the safety of your account and can easily perform financial transactions using your Bank of Baroda BHIM PIN.

Mandatory for any financial transaction

Most important safety feature of BOB UPI is the use of UPI PIN during each transaction. This ensures that you have to use your secret banking PIN during each transaction and your transactions will go through only if you enter correct UPI PIN for every transaction. This ensures that your Bank of Baroda account remains 100% safe and secure and no unauthorized personnel can transact on your behalf.

Easily recreate UPI PIN if you forget your old PIN

Sometimes you may forget your BOB UPI PIN and may want to generate a new Bank of Baroda BHIM PIN. For such cases, you can easily create a new UPI PIN using our app. You don’t have to visit the branch or ATM and can instead create a new UPI PIN directly on your mobile.

Easily change UPI PIN

Due to some reason if you want to change your Bank of Baroda BHIM PIN then you can use our mobile app for instantly changing your BOB UPI PIN. Your new PIN will be immediately registered in your Bank of Baroda account and you can use it for performing financial transactions.

Benefits of UPI PIN

One can enjoy multiple benefits from Bank of Baroda UPI PIN service:

Time saving: As Bank of Baroda UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own Bank of Baroda BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your Bank of Baroda UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect Bank of Baroda BHIM PIN then your transactions will fail.

Multi Purpose: BOB UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your Bank of Baroda account.

Security of UPI PIN

Bank of Baroda UPI PIN service is fully secured in following ways:

  1. UPI registration for your Bank of Baroda accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. To use BOB BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transaction you have to use your Bank of Baroda UPI PIN. Without this PIN, no transaction will go through
  4. You can also set up app password so that no one can even open the app without knowing your app password
  5. You can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • As banking is extremely crucial in day to day life, Bank of Baroda UPI services can be used on all days, including Saturday and Sunday
  • Main benefit of Bank of Baroda BHIM is that you can use it at night as well
  • For your convenience, Bank of Baroda UPI facility is available even on bank holidays and public holidays
  • Bank of Baroda BHIM services are available throughout the year

Eligibility for using UPI PIN Creation Service

To use Bank of Baroda UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with Bank of Baroda
  • Your mobile number should be registered with Bank of Baroda
  • You should have a atm/debit card associated with your BOB account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

Following are the restrictions in Bank of Baroda generate UPI PIN service:

  • Your mobile number must be registered with Bank of Baroda
  • It requires an active Bank of Baroda atm/debit card
  • It requires Android or iPhone mobile phone
  • It will not work without internet connection
  • Transfer upto Rs. 1,00,000 per day per BOB account are allowed under UPI facility

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