swarupgolui
TF Buzz
Today i apply BOB lite current account (proprietor) through my branch but they take initial deposit 5000rs, how many days it's taken to open and full optional?
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BOB Lite Current Account via Offline mode/through branch
tuhin
TF Premier
For my case I opened (Individual) through branch, they asked me the initial deposit of 25K & request me to keep it for 24hrs but my account opened instantly via tab banking & it was fully operational via BOB World/NetBanking/UPI Apps. You may need to wait another 10-15days for receiving welcome kit. I didn't apply Physical Debit Card but I applied VDC through BOB WORLD. Initially, it was throwing some error but later I applied successfully. Also, I unsubscribed myself for SMS Alerts for skipping unnecessary charges on the same day.
Please let us know your experience with BOB LITE Current Account, specially folio charges & other charges related to transactions.
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swarupgolui
TF Buzz
you don't need to unsubscribed SMS Alerts, It's free
techprince
TF Premier
20 Paisa/SMS+GST with a cap of Rs.15+GST per month.
tuhin
TF Premier
I am not also sure if such debit transaction of charge deductions are calculated under folio count or not 🤣🤣🤣🤣
swarupgolui
TF Buzz
oo sorry my bad Rs.25+GST on Quarterly basis
Attachments
tuhin
TF Premier
BOB does have some lucrative products than other PSBs & the BOB World application interface & features are better than other PSBs. Else, one of the worst & thuggery PSB ever. I only like BOB for their regular banking products only with good digital backbone except 12am outages every night. 🤣
swarupgolui
TF Buzz
i opened through branch on 04/09/2025
today 10/09/2025 it's start showing on BOB WORLD APP
swarupgolui
TF Buzz
@tuhin
i also have bob lite saving account, when i login on BOB WORLD APP it's showing both account BOB Lite Saving Account and also BOB Lite Current Account but when i login through (Net Banking) Current Account are not showing, i also notice both account have different Customer ID.
So do i need to register again with new Current Account Customer ID?
i also have bob lite saving account, when i login on BOB WORLD APP it's showing both account BOB Lite Saving Account and also BOB Lite Current Account but when i login through (Net Banking) Current Account are not showing, i also notice both account have different Customer ID.
So do i need to register again with new Current Account Customer ID?
tuhin
TF Premier
No, it's a serious mistake by your branch. You can raise a grievance against it & they will club both cust ids into one. You can see the account after that
swarupgolui
TF Buzz
i really don't understand
there is any disadvantages?
EDIT: My Both Account registered with same mobile number, maybe that's why they do that, because BOB WORLD APP need mobile number to login, there is no option to login with Customer ID
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tuhin
TF Premier
Most of the cases such duplicate cust id may block during bank's audit trail. You may have to visit branch multiple times to unfreeze your during that period, secondly if you are planning to opt any other product from the bank, it will create unnecessary confusion & delay. Better to club these two cust ids. Just raise one grievance, sit back & relax. Bank's team will club these two into one internally
swarupgolui
TF Buzz
Thanks, I really appreciate your help.
tomorrow I will go my branch, let's see what they do
techprince
TF Premier
App shows accounts linked to your phone number. Its a feature.
swarupgolui
TF Buzz
App already showing both of accounts, but when i click to account details then i see both have different customer ID, and when i try to login through internet banking ( https://feba.bobibanking.com/default.htm ) it's only showing my saving account
tuhin
TF Premier
Yes app is linked with mobile number (instead cust id), thats why, BOB asks to deregister your mobile no for BOB WORLD before updating the number. @swarupgolui why do you need to visit your branch? Just raise a grievance ticket at https://bobcrm.bankofbaroda.co.in/onlinecomplaint/frmMain.aspx?source=WEBSITE&sid=&id=
It doesn't need any branch visit, it's a back office job.
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swarupgolui
TF Buzz
BOB have any grievance Email id? so i can email the directly
And
should I write like that?
(
Subject: Request for Merging of Customer IDs
Respected Sir/Madam,
I am holding both a Savings Account and a Current Account in your branch. These accounts have been opened under two separate Customer IDs. I kindly request you to merge these Customer IDs into one, so that all my accounts are linked under a single Customer ID.
Please find below my account details:
- Savings Account No.: __________ (Customer ID: __________)
- Current Account No.: __________ (Customer ID: __________)
I am enclosing self-attested copies of my PAN, Aadhaar, and any other documents required for this process.
I request you to kindly do the needful and confirm once the IDs have been merged.
Thank you.
Yours faithfully,
[Full Name]
[Contact Number]
[Signature]
)
tuhin
TF Premier
Unfortunately, level 1 doesn't have anything. You have to go grievance portal & paste the same above. They will give you a case/ticket number at your mail id. Just save it with you. Level 2 (nodal) & level 3 (pno) do have email ids but those are not useful atleast I didn't experience
techprince
TF Premier
Where are you seeing
Net banking is based on Customer ID. App login is through mobile. There is no "error" here. One cust id is for savings, another for current. No issues with multiple customer IDs. For current account's net banking, check your email for new user id/customer id.