BOB LITE Debit Card charge

[harshn]

Anyone knowing or having "BOB LITE" account pls confirm 🙏🏻🙏🏻 :
1. ISSUANCE (first time) CHARGES for debit card of BOB LITE account r being deducted or not ?
2. If yes , when deducted , just after opening account or after debit card received at address or when activated and debit card using ATM ?
3. Also If maintained QAB : 3000 , were ISSUANCE CHARGES still deducted ?

Pls consider & tell abt ISSUANCE CHARGES and not Annual Maintainence charges

4. In BOB LITE any variant virtual debit card cannot be generated ?
5. In BOB LITE , can we get any ither debit card with less fees like Rypay Classic ?
6.Does BOB offer UPI pin set without debit card option or not ?
7. How likely that in future it will offer setting UPI PIN via aadhaar ? (As all banks r already offering using Aadhaar)

 

[mailmenow]

Please update if anyone closed their bob ac and open bob lite

 

[CosmicCat]

Please update if anyone closed their bob ac and open bob lite

Unless somebody closed their account at least 10 years ago, no way they can open it again.

 

[ritwik2000]

May be bro. I don't know. I think there are TF member who closed the account and open bob lite. Don't know how. But customer id will exist for ever in banking system

See suppose you go tommrow to bob and say I want to open a radiance account (Top account of BOB), then see the magic. they will somehow find a way to open your account. So muddle ki baat yehi hai ki sab possible hai.

 

[ritwik2000]

See suppose you go tommrow to bob and say I want to open a radiance account (Top account of BOB), then see the magic. they will somehow find a way to open your account. So muddle ki baat yehi hai ki sab possible hai.

@mailmenow also few days back @doraemon made BOB to enable rupay platinum virtual debit card to bob bro and lite users by giving some lucrative offers to the BANK.

 

[CosmicCat]

See suppose you go tommrow to bob and say I want to open a radiance account (Top account of BOB), then see the magic. they will somehow find a way to open your account. So muddle ki baat yehi hai ki sab possible hai.

But isn't this restriction applicable to BOB Lite savings account only as it is for NTB (New to Bank) customers only? I don't think any bank would prevent any customer from opening a regular savings account (With no NTB restriction) if they want to open one again and don't have another active savings account.

 

[ritwik2000]

But isn't this restriction applicable to BOB Lite savings account only as it is for NTB (New to Bank) customers only?

Things are not cleared by the bank that if only NTB customers can open it or existing ones can also open it.

If anyone is a ETB and want to open a BOB Lite account better file a online RTI and seek clarification on it. It will cost 10rs. Why RTI? It is because normal mailing wont work in BOB.

 

[mailmenow]

Unless somebody closed their account at least 10 years ago, no way they can open it again.

I am talking about the current sb account closed to open another bob lite account. Not talking about the same account to be re-opened

 

[mailmenow]

See suppose you go tommrow to bob and say I want to open a radiance account (Top account of BOB), then see the magic. they will somehow find a way to open your account. So muddle ki baat yehi hai ki sab possible hai.

They are telling because bob lite is only for new customers

 

[mailmenow]

But isn't this restriction applicable to BOB Lite savings account only as it is for NTB (New to Bank) customers only? I don't think any bank would prevent any customer from opening a regular savings account (With no NTB restriction) if they want to open one again and don't have another active savings account.

Exactly bro. U r right

 

[CosmicCat]

I am talking about the current sb account closed to open another bob lite account. Not talking about the same account to be re-opened

I know what you were referring to. Before opening an account, a Customer Identification Number (CIF) is created in the bank's Core Banking System (CBS). The CBS (Finacle in their case) keeps track of every active account, closed account, FDs, loans, and other banking products against your CIF, and the data is stored for at least 10 years.

Bank of Baroda might have a policy in their CBS for the BOB Lite scheme that requires the CIF to have no linked accounts—whether open or closed—when opening a new account.

Unless BOB changes this policy, you won't be able to open the account. You should escalate the issue through the appropriate channels to resolve this.

 

[mailmenow]

I know what you were referring to. Before opening an account, a Customer Identification Number (CIF) is created in the bank's Core Banking System (CBS). The CBS (Finacle in their case) keeps track of every active account, closed account, FDs, loans, and other banking products against your CIF, and the data is stored for at least 10 years.

Bank of Baroda might have a policy in their CBS for the BOB Lite scheme that requires the CIF to have no linked accounts—whether open or closed—when opening a new account.

Unless BOB changes this policy, you won't be able to open the account. You should escalate the issue through the appropriate channels to resolve this.

Bob backend system are very pathetic. Anyway thanks for the info bro. Did you notice that a member here informed that he closed his account and open the bob lite??

 

[mailmenow]

View attachment 63743

Things are not cleared by the bank that if only NTB customers can open it or existing ones can also open it.

If anyone is a ETB and want to open a BOB Lite account better file a online RTI and seek clarification on it. It will cost 10rs. Why RTI? It is because normal mailing wont work in BOB.

U r right bro. Now only I noticed that for all accounts like BRO,LITE, SUPER SAVINGS, ADVANTAGE they are asking to tick the column like "i am not an existing customer". So initially I thought that the option is only coming under lite account, but not . And not mentioned anymore else that it's only for NTB customers

 

[GTSaketh]

I want to open BOB Lite Account. But i have some questions.

Can i open it online with the number that isn't linked to aadhar?
if the answer is no, can i open it offline?
Can i get Virtual Rupay Platinum Card?
If yes, will there charges for only having Virtual card and not physical card even if 3k balance not maintained?

@doraemon help sir

 

[harshn]

I want to open BOB Lite Account. But i have some questions.

Can i open it online with the number that isn't linked to aadhar?
if the answer is no, can i open it offline?
Can i get Virtual Rupay Platinum Card?
If yes, will there charges for only having Virtual card and not physical card even if 3k balance not maintained?

@doraemon help sir

Virtual card is free of cost , regardless of balance maintained or not , it is also mentioned while generating virtual card.
I will say open online by yourself , do video KYC and then after maybe 15-20 days go to branch and take passbook , don't tell them u opened online or forget passbook, but pls open online by urself, they made mistake in my form (i opened through branch through tab) i had to bang my head , make complaints to branch manager etc etc to get things corrected, esp my address , which was not possible to be corrected online through bob world or net banking. That idiot person did not even enter my email while opening account and so net banking was not activated 🤦🏻😭
That's y now I hate BoB employees, even changed branch but new branch ppl also bad behaviour act too smart but r most stupid. Fun fact even to change branch online only ref no is generated after that u have to get cheque destroyed by existing home branch then go to New branch , so bad system, SBI,PNB r far better than BoB.
I just hate BoB staff, system now 😒😔
In govt banks only rely on SBI(0 balance acc , no sms charge or unnecessary debit card requirement like BoB for UPI PIN etc) and no one else , and staff wise frankly speaking among govt banks only Canara bank staff is v. good ; union , BoB is worst , PNB is okayish , SBI staff is good.
Although in govt banks only SBI (free alerts), BoB allow to turn off SMS alerts easily , rest all no option to turn off, charge alert charges but still less now ₹0.2-0.4/sms , not ₹15+GST = ₹17.70/quarter like before 2022.
But BoB has debit card dependency for UPI PIN generation does not support Aadhaar OTP UPI PIN generation.
One more advantage of SBI is its debit card gets discounts many times in Flipkart/ Amazon sale just like HDFC,AXIS,ICICI get, also has excellent net baking UI , not like HDFC (kachra UI , bhang pike developers ne banai hai 😭😂)

Do like or upvote if found something useful 🙏🏻

 

[GTSaketh]

But BoB has debit card dependency for UPI PIN generation does not support Aadhaar OTP UPI PIN generation.

Virtual debit card can be used for upi generation, right? correct me if i am wrong

 

[harshn]

Virtual debit card can be used for upi generation, right? correct me if i am wrong

Technically yes but still not sure bcz i haven't done that . @doraemon can better enlighten u on that.

But pls beware of BoB staff , and fill form urself , enter proper email, address , also address captured at time of account opening is getting updated in CKYC and that can't be changed later on (CKYC entry), my CKYC address is fully incorrect even after getting address corrected in Bank records bcz employee entered wrong address while opening account .

 

[GTSaketh]

Technically yes but still not sure bcz i haven't done that . @doraemon can better enlighten u on that.

But pls beware of BoB staff , and fill form urself , enter proper email, address , also address captured at time of account opening is getting updated in CKYC and that can't be changed later on (CKYC entry), my CKYC address is fully incorrect even after getting address corrected in Bank records bcz employee entered wrong address while opening account .

i will open it online with number linked with aadhar and then i will change it to number i use for other bank accounts. So, i guess it won't be a issue about filling wrong details since i am doing it myself

 

[harshn]

i will open it online with number linked with aadhar and then i will change it to number i use for other bank accounts. So, i guess it won't be a issue about filling wrong details since i am doing it myself

Good choice 👍🏻
But changing mobile in BoB is also not possible online through bob world or net banking , only possible through home branch. Pls remember don't tell them u opened account online , else they will have new reasons to irritate u.

In SBI i have changed mobile no 2 times through ATM service request section.
Must say SBI is far better in system and technology than every govt Bank, even better than many Pvt banks.

 

[GTSaketh]

Good choice 👍🏻
But changing mobile in BoB is also not possible online through bob world or net banking , only possible through home branch. Pls remember don't tell them u opened account online , else they will have new reasons to irritate u.

In SBI i have changed mobile no 2 times through ATM service request section.
Must say SBI is far better in system and technology than every govt Bank, even better than many Pvt banks.

Can I open zero balance account in SBI and get virtual card aswell? Or do I need to get physical card with fees?

Basically I just want these accounts for debit offers on online shopping.

I use HDFC as my primary

 

[doraemon]

I want to open BOB Lite Account. But i have some questions.

Can i open it online with the number that isn't linked to aadhar?
if the answer is no, can i open it offline?
Can i get Virtual Rupay Platinum Card?
If yes, will there charges for only having Virtual card and not physical card even if 3k balance not maintained?

@doraemon help sir

Hey sorry for late response
Afaik for non aadhar number u have to visit branch
Open bob lite account and maintain 3k
And u will get a physical rupay platinum card free also (as long as you maintain 3k)
Btw the virtual rupay platinum card is free in bob bro and bob lite accounts without any requirement of mab