The wait is over. Bank of Baroda UPI app is launched. The name of the bank of baroda UPI app is Baroda MPay. You can download this app from the Google Play store. The App is only for the Android. As you must be aware that UPI apps are only available for for Android platforms. The iPhone users have to wait for the UPI apps.
देर आए, दुरुस्त आए। Baroda MPay is one of the finest UPI app. You would love its user interface. It is very clean and stylish. The use of orange and white color is just perfect. This app also has some added features which are not available on other UPI apps.
So, The BOB customers can enjoy benefits of UPI . Till now Bank of Baroda customers were forced to use the UPI apps of other banks. You may be aware that you can use the UPI app of any other banks. There is no such restriction. Your bank account would be linked to different bank’s app. So, I alos invite the customers of other banks to come and try the Baroda MPay.
In fact, UPI is very flexible payment system. A bank account holder can use any of the available UPI apps. A UPI app can link many bank accounts. The UPI or unified payment interface is instant payment system which works 24*7. The UPI transaction charge is zero. The unique feature of UPI is the fund transfer without the bank account. In place of bank account number, it also uses the virtual payment address (VPA). A VPA is just like the email address e. g. [email protected]
The UPI app of the Bank of Baroda
The bank of Baroda has the made the exclusive UPI app. The whole app was designed to facilitate the UPI payment. So there would not be any confusion about the payment mode. However, you would have the option to pay a bank account and mobile number. However, the underlying framework of Mpay is the IMPS. Let me tell you that UPI apps are based on IMPS framework.
The Baroda MPay is in line with BoB tradition. Earlier, it has launched a standalone app for the *99# banking services. *99# works on the phones which don’t have internet connection.
So, go to google playstore and search for Baroda Mpay. It would be the first option.
Features of BoB UPI app
Like any other UPI app, the BoB UPI app have these basic features.
- You would be able to transfer money to any VPA or bank account number. Along with this you can also transfer fund to a Aadhaar number and mobile number. To transfer mobile number you need to know the MMID of the bank account.
- You would be able to transfer money instantly to any payee. There would not be any waiting period for new payee.
- You can also ask money from someone. It would send the notification to pay the required money.
- It would also not charge a paisa for UPI transactions
- You can also generate QR code to ask a particular amount.
- You can scan QR code and pay
Also Read: Aadhaar Payment App– Pay money without Phone
How To Use BoB UPI App
To use the Bank of Baroda UPI app, you have to download it from the Google playstore.
When the first time you open the app it would show you the welcome screen. This screen introduces you to the UPI and Baroda Mpay app. You can also read user guide through this screen.
Reach at the bottom of the screen and Click at the ‘Register’
The App would capture your mobile number by sending an SMS. If you have dual sim, it would give you an option to choose the SIM. Note, you should choose the number which is registered with the desired bank account number. After the verification , proceed.
Now you would find a registration form. Enter your name, email id and virtual payment address. You can choose your own virtual payment address (VPA). It is like setting an email address. The suffix of the VPA would be @barodampay
Agree for terms and condition.
Sign up with Baroda Mpay
Once, you submit the personal details and set the VPA, it would ask you to set the Login PIN. It is a 6 digit PIN. This PIN would be used whenever you open the Baroda MPay app. After submitting the PIN, you would be registered at Baroda MPay App.
Now you would see the dashboard of the Baroda MPay. You can see different options on the dasboard. You can check balance, send money, collect money, Pay using QR code and Pay bill. However, before using any of these option, you have to link your bank account. Let me tell you once again that you can link any of the bank accounts which has the same registered mobile number.
To link a bank account, you have to choose the button of ‘Add bank account’ on the dashboard.
To add a bank account. You have to choose the bank name from the drop down list.
Once you choose the bank, you can see the bank account number. Select the bank account number and Select the VPA. If you have created more than one VPA, then be careful as you have to choose the default VPA. It completes the linking of a bank account number.
You can add as many bank account as you wish. However, you have to choose a default VPA for a bank account number. One VPA can be default to only one bank account.
Now you can set MPIN, if not already set. To generate MPIN, you have to click on the menu icon at the top left corner of the dashboard. You would see the generate MPIN Link.
To set MPIN, you need debit card details. You would also get an OTP through the SMS to authenticate. After the successful authentication, you can set your own MPIN.