How To Open A Bank Of Baroda Zero Balance Account Online

Are you looking for a Savings Bank account that offers flexibility without the worry of maintaining a minimum balance? Opening a zero-balance account with Bank of Baroda is a fantastic option for you. Bank of Baroda (BOB), a leading public sector bank in India, offers a range of zero-balance accounts designed to suit the needs of working professionals, government employees, and pensioners alike. 

Bank of Baroda Zero-Balance Accounts Overview 

Click here for a complete list of Bank of Baroda Savings Accounts 

Detailed Features of Each Zero Balance Account 

1. bob LITE Savings Account 

The bob LITE Savings Account is a flexible, zero-balance account that can be beneficial for various customer segments — salaried professional, business owner, self-employed individual, homemaker, or even a minor over 10 years old. This account offers the convenience of basic savings account with rewards, making it an appealing choice for those who want premium banking experience.  

• Lifetime Zero-Balance Account. 

• Exclusive Discounts and Offers: Enjoy special discounts and deals on travel, shopping, and e-commerce with your BOB debit or credit card. 

• Complimentary Rupay Platinum Debit Card: Get a free Rupay Platinum Debit Card when you maintain a Quarterly Average Balance (QAB) of: 

• ₹3,000 in Metro/Urban areas 

• ₹2,000 in Semi-Urban areas 

• ₹1,000 in Rural areas 
  Note: An annual fee may apply to the debit card if the QAB is not maintained, per bank policies. 

2. bob BRO Savings Account 

The bob BRO Savings Account is a great option for students and young adults. It provides a simple, zero-balance benefits along with other features for financial management. It can be opened by students aged 16 to 25, and can be operated as a joint account with a parent or guardian.  

• Zero Balance with Auto Sweep Facility: Idle funds are automatically swept into an FD for higher returns.  

• Free Transactions: Get unlimited, NEFT, RTGS, IMPS, and UPI transactions for free.  

• Complimentary Cheque Book and Demand Draft: Receive a free cheque book along with one free Demand Draft (DD) or Banker’s Cheque each year. 

• Collateral-Free Education Loan: Eligible customers can get collateral-free education loans up to ₹40 lakh for premier institutions. 

• Education Loan Perks: No processing fees and reduced interest rates on education loans for students. 

• Exclusive Rewards and Offers: Earn loyalty points through the bob World app. 

3. Government Savings Account (bob Govt. Bodies SB Account) 

The bob Govt. Bodies SB Account is a zero-balance account specifically designed for Central and State Government departments. It helps govt. departments with smooth & efficient banking services to streamline their fund management and transactions.  

• Zero Balance account with no minimum balance requirement.  

• Unlimited Free Cheque Books for convenient transactions. 

• Sweep Facility for Excess Funds: Balances over ₹5 lakhs automatically sweep into a fixed deposit, with re-transfer options available in multiples of ₹50,000. 

• Free NEFT, RTGS, and IMPS: Unlimited, no-cost transactions available both in-branch and online. 

• Unlimited Free Cash Deposits: Make unlimited cash deposits & withdrawals at the home branch. 

• Digital Services: Complimentary Internet Banking, SMS Alerts, and E-Statements. 

• Public Financial Management System (PFMS): Supports direct online payments to beneficiaries. 

• Simplified Collection of Fees and Taxes: Collect fees and taxes through BOB’s digital gateways, POS systems, and kiosks. 

4. bob Pensioners Savings Bank Account 

The bob Pensioners Savings Bank Account offers retirees & pensioners with flexible banking services for financial management. This account can be opened with a deposit of just ₹5, and then remains a zero-balance account. 

• Zero Balance Requirement: No minimum balance needed. 

• Overdraft Facility: Get overdraft of up to two months of your last credited pension amount. 

• Unlimited Free Cheque Books: Enjoy unlimited free cheque book services for convenient transactions. 

• Life Insurance Option: You can opt for life insurance to enhance financial security. 

5. bobworld B3 Silver Account 

The bobWorld B3 Silver Account is a fully digital, zero-balance savings account for the new-age customer who prefers the convenience of digital banking. There are no hidden fees or maintenance charges. 

• Zero Balance Requirement: No Quarterly Average Balance (QAB) or maintenance fees. 

• Completely Digital Account Setup: Open your account online, in a few simple steps. All you need is your Aadhaar number, with video KYC for full digital verification—no need to visit the branch. 

• Instant Virtual Debit Card: Instant virtual debit card is issued as soon as online verification is completed and your account is activated.  

• Exclusive Offers and Rewards: Also comes with special offers on dining, e-commerce, and shopping, along with bob World rewards for travel, shopping, and more. 

Are you looking for a good Debit Card? Check out Bank of Baroda Debit Cards and their Features! 

How to Open a Bank of Baroda Zero Balance Account Online? 

Opening a zero-balance account with Bank of Baroda online is simple and convenient. You can apply through the Bank of Baroda website or the BOB Mobile Banking App (bob World).   

• Eligibility: BOB zero-balance accounts are open to Indian citizens. Certain accounts, like the Pensioners Savings Account, may have specific age or employment-based criteria. 

• Required Documents: You’ll need basic KYC documents like, a valid Aadhaar card, PAN card, and proof of address. Have the scanned copies ready to make the process quick. 

Bank of Baroda Zero Balance Account Opening Online Through Website 

Step 1: Visit the official Bank of Baroda website and, at the top of the menu navigation, click on "Accounts" under the "Savings Accounts" section. 

Step 2: Choose the zero-balance account type you want to open from the available options. 

Step 3: Click the "Apply Online" button and select your account type (Single Name Account, Joint Account, Govt. Dept./Agency, All Institutions, Minor, Trust/Association/Society/Club, Others). Review the instructions and click ‘Yes’ to continue. 

Step 4: Select your preferred language and fill in the form with the required details, such as basic information, PAN and Aadhaar details, address & branch selection, personal details, nomination, and additional services. 

Step 5: Upload the necessary KYC documents for identity verification. 

Step 6: Bank representatives will contact you to review your KYC documents and complete the video KYC process for further verification. 

Step 7: After completing the video KYC, your account will be successfully opened. 

Learn more about Bank of Baroda Netbanking Features & Benefits here! 

Step-by-Step Guide: Opening via BOB Mobile Banking App (bob World) 

1. Download the bob World app from the Google Play Store or Apple App Store. 

2. In the main menu, select the ‘Account Opening’ section. 

3. Choose the zero-balance account that best suits your needs. 

4. Enter the required details, including your personal and contact information. 

5. Upload scans copies of the KYC documents as mentioned on the form – your Aadhaar card, PAN, and any other required documents. 

6. Submit the application and wait for verification. Once verified, you will receive the account details and the virtual debit card.  

Documents Required to Open Bank of Baroda Zero-Balance Accounts 

To open a zero-balance account with Bank of Baroda, you'll need a few documents for KYC (Know Your Customer) verification.  

• Aadhaar Card 

• PAN Card 

• Proof of Address: utility bill, rental agreement, passport, or any government-issued document showing your residential address. 

• Recent Passport-Sized Photograph 

Bank of Baroda also offers a convenient eKYC option to verify your details. It is done based on your Aadhaar details. You can opt for this verification process for quicker account creation.  

1. Enter your Aadhaar number.  

2. An OTP is sent to the mobile number linked to your Aadhaar.  

3. Enter the OTP to complete the verification process.  

Frequently Asked Questions 

1. Who is eligible to open a BoB zero-balance account? 
BoB Zero-Balance accounts are open to any Indian citizen who meets the basic eligibility criteria for the specific account type.  

2. Are there any hidden fees for zero-balance accounts? 
Most of BOB’s zero-balance accounts don’t have any hidden fees or charges. However, specific services such as international fund transfers, DDs, outstation cheque clearances may carry charges. It’s advisable to go through the terms and conditions relating to your account thoroughly to avoid any issues. 

3. Can I convert my regular BOB account to a zero-balance account? 
Yes, based on the discretion of the bank, you can request to switch to a zero-balance account. You can walk in to the nearest branch of BoB to get more information and submit a request.  

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.