Bank of Baroda Reviews 

This bank is one of the most useless bank in India... dont ever keep your hard earned money here, they will convince you to apply for some oppulence card and scam you with 9500 rs annual debit card charges, worst RM will be assigned to you, even if you are HNWC and they will fool you with charges.

Since July 13, 2025, I went to the Base Branch in Gandhi Bazar for a Phone number change on my NRO account. I must admit, the concerned branch staff (Gunjan) was very courteous. She did express that she will get this handled in about a week's time.
BOB has horrendously archaic process, it looks like.
After a number of phone calls some late night (in US) to coordinate, the changes in the branch were completed a month later!
I requested an escalation. 10 days ago, the regional office sent a query that the number should be a US number. BOB does not send OTP to US Phone numbers and for that reason, I had invested in a India number with international roaming facility.

Meanwhile, I complained to the branch that my online account has since become unusable. I have no access from the web as it says my Arcot ID has been disabled.

My repeated messages to Ms. Gunjan as well as the branch were ignored.

Finally, I lodged a complaint. Ref: BCOT86520921382 on Aug19.
On Aug 22, (Fri 7pmIST), I get a message a link will be sent to me to reissue the credentials, knowing fully well the bank is closed on Sat (4th Sat) and I cannot obviously reach the bank.

My ordeal continues. I wonder seriously why I continue doing business with this bank. I might as well work with a bank who knows to value customers' time.

If there was a way to give a 0 or negative rating, I would.

This bank suddenly started to send me someone else's confidential bank documents and reports. I tried to contact them using emails listed on their site, and notified them about the mistake, but it did not help. They just ignore my requests and keep spamming me.
To fill their complaint forms online, I need to use the data which I don't have, as I never opened any accounts here. This is a deadlock.
I certainly do not recommend this business.

Bank of Baroda customers beware! I've experienced a big scam where they're pushing India First Life Insurance Company policies. It seems there's a link between the bank and the insurance company, and they're forcing customers to buy insurance. I've lost a significant amount of money and wouldn't recommend this insurance to anyone. Be cautious and avoid falling prey to this scam."

One of the worst bank ever i have seen yet this bank take 6 months to change phone number and even we can’t make online payment with debit card because its not supported to commercial use then why you are issuing a debit card shut your bank off we have no time to come to your bank for every small thing

It provides a very pathetic service and also if you'll not maintain minimum balance it will deduct the half amount available in your bank account in the name of minimum balance charge "lootere"

I received excellent services every time I have been to the Bank of Baroda Auckland Branch from Ravindra Soni, Namita, Sweedal and Indu.
All staff have been very helpful and are friendly and approachable.

I would like to mention the outstanding customer service from Mr Anoop. He is professional, patient and helpful. He is always easy to get in touch with incase of any queries and makes the process smooth and easy.

Good service provided by a staff member.

Employees won’t respond to your calls

I got housing loan sanctioned and to disburse I have to make many calls and they don’t bothered to call back also

Extremely disappointed with Bank of Baroda.
The staff are not properly trained,not attentive towards customer needs.Trying to send a T/T to Netherlands.After taking three weeks the T/T not credited to the beneficiary account.

"I am extremely disappointed with my recent experience at the Bank of Baroda Mulund branch near Ganesh Gavde Road. Despite visiting the bank for five consecutive days, my issue remains unresolved. The staff seems overwhelmed and unresponsive. The subpar service is unacceptable from a reputable institution like Bank of Baroda. If the bank is unable to cater to its customers' needs, perhaps it's best to cease operations."
The bank staff seems too busy to attend to customers

I am govt. salary account holder of BOB and I tried to withdraw Rs.15,000/- for 3 times from BOB ATM at Kolar Branch. In respect of first 2 transactions amount of Rs.15,000/- each was correctly dispensed by the said ATM and in the last transaction ATM machine had dispensed Rs.14,600/- i.e., instead of dispensing Rs.500/- it has dispensed one note of Rs.100/-. Immediately showing all the withdrawal amounts of 3 transactions I made a written complaint to the Manager of BOB at Kolar Branch, Karnataka, he assured he shall look after the matter. After 04 days due to my busy schedule i entrusted my wife to visit BOB at Kolar Branch, but Manager replied till date he could not able to file complaint in the BOB grievance cell and hence i visited nearby BOB branch at Bangalore and filed complaint in the BOB grievance cell via ID: DBFN85905503964. After 05 days when I checked my complaint status it showed amount withdrawn from the said ATM was successful and no reimbursement is entitled. On the very said day of my withdrawal another 04 persons were suffered same problem in the ATM. This clearly shows how BOB ATMs are working and how they response to the issues. Now being a common person what shall I do to gain my hard earned money of Rs.400/-. BOB Bank being trustworthy service provider, its duty is to secure the public money by providing quality ATM machines and software's , but by providing useless unconditional ATM machines it can never be trustful service provider.

Really pleases to tell you that the Bulsar branch in Valsad for NRI banking is the worst of the worst. Ignoring all my emails requests. When I visited the branch requesting for a new cheque book and a debit card, a year ago all was promised by the branch manager ,but not processed.
They will run after you when they want your money, but if you want to close the account, it appears their legs are cut off.
I have now closed my account at this branch today,by going to the City Branch and Rasmita was helpful and guided me on how to fill out the form.

The Band of Baroda, Mahavir Nagar Branch, Kandivali west.
I am seriously fed up with the services of this Bank.
The manager as well as the employees are dammed so lethargic and lazy that they dont even bother to provide the basis service.
They dont respond to email queries as well as letters in writing.
Their Loan department is unprofessional in handing loan as well as drafting a loan agreement.
Being a lay man i pointed out several silly mistakes in their loan agreement.
They dont even know how to treat a customer and every day they enter into agruments with senior citizen and other customer because they dont provide timely serives.
This branch shoud be closed and the manger shoudl be fired.

Very bad service in ta vadgam di banaskantha Uttargujarat meta branch
All staff is give very bad replay then he use the bad word

I feel almost sad to leave a review for this bank. Its a pathetic website. Calling themselves a govt run bank, with all the digital india, UPI nonsense propoganda. Nothing works. User interface is so poor, its worse than a third world country.

I think that bank of baroda should change their name to internet cafe bank because I have recently been to India and visited the bank and any tom xxx and harry can walk in and chat with bank staff.
I have problem with the bank and I’m trying to sort it out, I spoke with the branch and they keep passing me from pillar to post.
It’s been been over year and I’m still waiting for their reply.
Very bad service services I don’t understand how this people can get the job where they can’t sort out simple things.

Very bad service provided by allahpur prayagraj branch staff and BM (Surendra sankhala) BM was also not supported he said that to go from this counter to that ... She don't know how to talk with customer she used abusive language I have a photo of that BM and that lady also .. and I already gave the request of selling update in October but it was not updated till now it's month of March after completing completed 5 month ...

Worst bank, and poor service