Do you want to open a zero balance account in Bank of Baroda? Bank of Baroda Zero Balance Account is offering many additional features which other banks are not offering. You must have heard about zero balance account of many banks like Axis Bank Zero Balance Account or SBI Zero Balance Account. But there is no restriction on making any cash deposit or withdrawal in the account of this bank.
Bank of Baroda is a leading public sector bank in the country which keeps on launching various online services like Bank of Baroda Online Account Opening and Bank of Baroda e Mudra Loan. Through its net banking service, this bank allows people to operate their accounts from the comfort of their homes.
Bank of Baroda has launched its mobile banking app Bobworld through which this bank is going to explode in the world of mobile banking. Today in this article we will teach you how to open Bank of Baroda zero balance account online through Bobworld app.
Apart from this, the benefits, features and eligibility criteria of Bank of Baroda zero balance account will also be explained. If you read this post till the end then you will learn to open bob zero balance account sitting at home.
Table of Contents
Bank of Baroda Zero Balance Account Features
Friends, before we teach you how to open bob zero balance online, we would like to tell about its features.
Bank of Baroda Zero Balance Account is also known as Pradhan Mantri Jan Dhan Yojana Account.
This account can be opened only by a citizen of India.
The age of the customer should be between 18 years to 60 years to open this account.
The customer should not already have a Bank of Baroda savings account.
This account can be opened as an individual account only.
This account cannot be opened for children below 18 years of age.
This is a zero balance account in which no charges are levied if there is no minimum balance.
Free 30 leaves check book is available with this account.
Free debit card is available with bank of baroda 0 balance account
You can withdraw 4 times cash from any ATM machine in free in a month.
Overdraft balance facility is also available with this account.
Overdraft or OD means that if there is no balance in your account, then you can withdraw the amount up to Rs 10000 as an overdraft.
Free internet banking facility is available with this account.
BOB zero balance account also gets the same interest rate as other savings accounts.
Benefits of Bank of Baroda Zero Balance Account
You can use this account like any other savings account.
No charges are levied in case of low balance in this account.
Online banking can also be used in this account.
You can book tickets online with this account.
Can recharge online and also pay electricity bill or telephone bill online.
Overdraft facility is available in this account.
All government schemes get the benefit of direct benefit in this account.
There is no need to deposit any amount in the beginning to open this account.
Check book and passbook facility is available in this account.
Free ATM card facility is available.
Online RTGS / NEFT and IMPS facility is available for free.
You can transfer money from this account to a person sitting anywhere far away.
Bank of Baroda Zero Balance Account Eligibility Criteria
The age of the person should be above 18 years to open this account.
The person should be a citizen of India.
Account holder should have Aadhar card.
Must have mobile number linked with Aadhar card.
There should not already be an account of Pradhan Mantri Jan Dhan Yojana in any bank.
The customer should not already have a savings account with Bank of Baroda.
If you already have an account with Bank of Baroda, then it will have to be closed within 30 days.
The person should be between 18 years to 60 years of age.
Bank of Baroda Zero Balance Account Opening Online Process
You can open this account online through the bobworld app of Bank of Baroda.
To open bank of baroda online zero balance account first download bobworld mobile app from google play store.
You can also open this account from your mobile through Bank of Baroda’s mobile app.
After downloading and installing the application, open it.
After opening the app, click on open a digital savings account on the home page.
This account will open in the next four parts.
Instant verification via Pan and Aadhar
Paperless submission of details online
Hazzle free completion of KYC on video call
Add funds and enjoy digital banking
There are 3 different savings accounts given on this page.
Bank of Baroda 0 Balance Account Application Form
For bank of baroda 0 balance account account, click on the first option B3 Plus Account.
On the next page some features of this account are given like zero balance account, quarterly average balance nil and free RTGS / NEFT and IMPS facility.
Scroll down this page a bit and click on “Apply Now” option.
On the next page enter your email id.
This portal sends a link to your email id, it has to be opened and verified.
Enter your Aadhar linked mobile number.
An OTP is sent to your mobile which has to be verified by entering it on the portal.
Scroll down the page a bit and select all the terms and conditions.
Click on FATC Declaration, a new window will open, read the declaration and click on Accept.
Click on general terms and condition, new window will open, read the conditions and click on accept.
Click on the link for CKYC, read the details and click on accept.
After filling all the details click on next below.
On the next page, enter your PAN card and Aadhar card number and select the following two terms and conditions.
After this an OTP will be sent to the mobile number linked with your Aadhar card.
Validate it by entering the OTP on the screen.
After entering all the details click on Next.
On the next page, all the details from your Aadhar card will be auto-picked and filled in the application form.
Scroll down the page and select your nearest branch and click on proceed.
Zero Balance Account Personal Details
On the next page, enter your personal details like father’s name, mother’s name, nominee’s name, etc.
In the next step, enter your place of birth, education qualification and occupation details.
After filling all the details click on proceed below.
Next, select the option as per your requirement in the additional details like Net Banking, Passbook, Mobile Banking and Debit Card Facility etc.
After selecting all the options, tick on Next.
On the next page the preview of all the details entered by you will open on the screen.
Check your details correctly and click on submit application for final submission of your application.
After final submission, the message of congratulation will open on the screen and a URN will be generated.
Click on Schedule Video KYC to book a slot to do your video KYC.
Your Bank of Baroda Zero Balance Account will be messaged to your email address as soon as the video KYC is completed.
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