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Bank of Baroda UPI PIN - Create & Reset

Bank of Baroda provides UPI (Unified Payments Interface) service using which you can quickly and easily access your Bank of Baroda accounts on your mobile and perform financial transactions. Bank of Baroda UPI is a very useful service so that you can perform all financial transactions directly on your mobile instead of visiting the branch or ATM.


But to perform transactions via Bank of Baroda UPI you have to create a secure banking PIN called as the Bank of Baroda UPI PIN. This PIN helps you perform all financial transactions on your mobile and keeps your account safe as without knowing your UPI PIN no one can transact from your account.


To generate Bank of Baroda UPI PIN you don’t have to visit the branch or ATM and can instead quickly create your BOB UPI PIN online using our mobile app. After downloading our mobile app you can immediately create UPI PIN for your bank account and instantly start performing financial transactions from your Bank of Baroda account.


You can perform following types of transactions after creating Bank of Baroda UPI PIN:
  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 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.

UPI PIN Features


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

There are many benefits to using Bank of Baroda UPI PIN services such as:

Time saving: Using our mobile app you can create your own Bank of Baroda UPI PIN online directly on your mobile. This helps you save a lot of time as you don’t have to visit the branch or ATM to generate your Bank of Baroda BHIM PIN.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your UPI PIN. Transactions will be successful only if you enter your correct UPI PIN.

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.

UPI PIN security

100% security for Bank of Baroda UPI PIN service is ensured in the 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. Before using BOB BHIM services, you must create a new secure UPI PIN using your debit card
  3. While performing transactions on your mobile you have to use your Bank of Baroda UPI PIN. No transaction will go through without this secure UPI PIN
  4. App password can be created so that no one can even open the app without knowing your app password
  5. PIN or pattern lock can be created for your phone so that no one can open your mobile

UPI PIN Creation Services Timing

  • 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

UPI PIN Generation Service Eligibility

In order to use Bank of Baroda UPI PIN generation service you must meet the following requirements:

  • A savings or current account with Bank of Baroda
  • Mobile number should be registered with Bank of Baroda
  • ATM/Debit Card associated with your BOB account
  • Android or iPhone mobile phone
  • Internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

Following are the limitations of Bank of Baroda Create UPI PIN service:

  • It will only work if your mobile number is registered with Bank of Baroda
  • It will not work without an active Bank of Baroda atm/debit card
  • It will not work without Android or iPhone mobile phone
  • It will not work without internet connection
  • You can only transfer upto Rs. 1,00,000 per day per BOB account under UPI facility

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