Bank of Baroda (BoB) is one of India’s leading public sector banks, offering a range of savings accounts with different features. A crucial factor that account holders consider is the Bank of Baroda cash withdrawal limit per day, which varies based on the account type and debit card issued.
Understanding the cash withdrawal limits helps in planning financial transactions efficiently and avoiding inconvenience. In this guide, we will explore the Bank of Baroda cash withdrawal limits per day across different Bank of Baroda savings accounts, analyze their features, and compare them for better decision-making.
Table of contents
- Bank of Baroda Cash Withdrawal Limit Overview
- Bank of Baroda Cash Withdrawal Limit by Account Type
- Bank of Baroda Cash Withdrawal Limit via ATM
- Bank of Baroda Cash Withdrawal Limit from Branch
- Bank of Baroda Cash Withdrawal Limit for Online Transaction
- Factors Affecting Bank of Baroda Cash Withdrawal Limits
- FAQs on Bank of Baroda Cash Withdrawal Limits
Bank of Baroda Cash Withdrawal Limit Overview
Bank of Baroda offers a variety of banking solutions tailored to different customer needs. Among these, the Bank of Baroda cash withdrawal limit plays a crucial role in determining how much money a customer can withdraw from ATMs and bank branches. The Bank of Baroda cash withdrawal limits vary based on account type, card type, transaction mode, and regulatory guidelines.
Let’s take an overview of Bank of Baroda cash withdrawal limits per day:
| Withdrawal Type | Withdrawal Limit |
| ATM Withdrawals (Bank of Baroda Bank) | Up to INR 15,000 per day |
| ATM Withdrawals (Non-Bank of Baroda ATMs) | INR 10,000 per transaction |
| Branch Withdrawals (Bank of Baroda Home Branch) | Free up to INR 50,000 per day |
| Branch Withdrawals (Non-Home Branch) | Free up to INR 25,000 per day |
Also Read: Check here all the major features of the Bank of Baroda Education Loan to study abroad. Know the interest rate, processing fee and more.
Bank of Baroda Cash Withdrawal Limit by Account Type
Bank of Baroda offers different cash withdrawal limits based on the type of account you hold. Whether you have a savings, current, or other specialized account, understanding these limits can help you plan your transactions efficiently.
Explore the Bank of Baroda cash withdrawal limits for various account types, providing you with the necessary details to make informed financial decisions. Let’s start with a savings account.
Bank of Baroda Cash Withdrawal Limit for Savings Accounts
The Bank of Baroda cash withdrawal limit per day depends on the type of savings account and debit card issued. The bank offers various savings accounts, each tailored to different customer needs. Below is a detailed analysis of the cash withdrawal limits for different BoB savings accounts.
BoB Platinum Saving Bank Account
BoB Platinum Saving Bank Account is designed for customers who require high withdrawal limits and additional benefits.
- Cash Withdrawal Limit (ATM): INR 1,00,000 per day
- POS (Point of Sale) Purchase Limit: INR 2,00,000 per day
With a daily ATM withdrawal limit of INR 1,00,000, this account is suitable for individuals requiring higher cash access for business or personal expenses.
BoB Professional Savings Bank Account
This account caters to working professionals, offering a balance of flexibility and exclusive benefits.
- Cash Withdrawal Limit (ATM): INR 1, 50,000 from ATM
- POS/E-commerce Purchase Limit: Up to Rs 5,00,000.
While the exact Bank of Baroda cash withdrawal limit per day is not specified, the account includes premium debit card offerings with high withdrawal and purchase limits.
BoB Masterstroke Saving Bank Account
The Masterstroke Saving Account is ideal for high-net-worth individuals (HNWIs) seeking premium banking privileges.
- Minimum QAB: INR 10,00,000
- Cash Withdrawal Limit (ATM): INR 5,00,000 per day
- POS Purchase Limit: INR 10,00,000 per day
With the highest Bank of Baroda cash withdrawal limit per day, this account is perfect for individuals requiring substantial cash transactions.
BoB LITE Savings Account
The LITE Savings Account is a zero-balance account, making it a great choice for students and low-income individuals.
- Cash Withdrawal Limit (ATM): INR 50, 000 per day
- Additional Charges: If QAB is not maintained, an annual fee applies to the debit card.
Though the cash withdrawal limit per day is not explicitly stated, the account is designed for minimal charges and convenience.
BoB Senior Citizen Privilege Scheme
This savings scheme is tailored for senior citizens, providing special benefits and higher withdrawal limits.
- Cash Withdrawal Limit (ATM): INR 50,000 per day
- Cash Withdrawal Limit (Branch): INR 1,00,000 per day
With a higher withdrawal limit at branches, senior citizens enjoy financial ease and convenience.
Bank of Baroda Cash Withdrawal Limit for Current Accounts
A current account from the Bank of Baroda offers flexibility for professionals, businesses, and entrepreneurs with the ability to withdraw funds, issue cheques, and make multiple transactions in a day. The Bank of Baroda current account withdrawal limits per day may vary depending on the type of current account you hold.
Bank of Baroda does not impose any limits on the number of transactions within a day, making it ideal for individuals and businesses with high transaction volumes. However, the account allows for 5 free cash withdrawals per month at branches, after which a charge of INR 150 is applied per transaction.
Bank of Baroda Cash Withdrawal Limit via ATM
Bank of Baroda (BOB) offers a variety of ATM and debit cards, each with distinct cash withdrawal limits. The Bank of Baroda cash withdrawal limit for ATMs is important for customers who need to manage their finances and ensure they do not exceed the specified daily and monthly limits.
Below, we’ll dive into the detailed Bank of Baroda cash withdrawal limits based on card types and additional important information.
Bank of Baroda Daily ATM Withdrawal Limit by Card Type
The Bank of Baroda daily ATM withdrawal limits vary depending on the type of debit card you hold with Bank of Baroda. Here’s a breakdown of the withdrawal limits for different Bank of Baroda debit cards:
| Debit Card Type | ATM Withdrawal Limit (Per Day) | POS/E-commerce Limit (Per Day) | Contactless Transactions (Up to) |
| BOB World Agniveer Debit Card | INR 50,000 | INR 1,00,000 | INR 5,000 without PIN |
| RuPay Classic DI Debit Card | INR 25,000 | INR 50,000 | INR 5,000 without PIN |
| Baroda BPCL Debit Card | INR 50,000 | INR 1,00,000 | INR 5,000 without PIN |
| MasterCard Platinum DI Debit Card | INR 50,000 | INR 1,00,000 | INR 5,000 without PIN |
| Visa Platinum DI Debit Card | INR 50,000 | INR 2,00,000 | INR 5,000 without PIN |
| Visa Classic DI Debit Card | INR 25,000 | INR 50,000 | INR 5,000 without PIN |
| RuPay Select DI Debit Card | INR 1,50,000 | INR 5,00,000 | INR 5,000 without PIN |
| RuPay Platinum DI Debit Card | INR 50,000 | INR 1,00,000 | INR 5,000 without PIN |
| RuPay Qsparc NCMC Debit Card | INR 50,000 | INR 1,00,000 | INR 5,000 without PIN |
| RuPay Classic Debit Card | INR 25,000 | INR 50,000 | INR 5,000 without PIN |
| MasterCard Classic DI Debit Card | INR 25,000 | INR 50,000 | INR 5,000 without PIN |
| VISA Vyapaar DI Debit Card | INR 2,00,000 | INR 5,00,000 | INR 5,000 without PIN |
ATM Withdrawal Limit for Non-BOB Cards at Bank of Baroda ATMs
If you’re using a debit card issued by another bank, the maximum withdrawal limit per transaction at a Bank of Baroda ATM is INR 10,000. This is a general limit for transactions made with cards that are not issued by the Bank of Baroda.
By understanding these details, you can make the most out of your Bank of Baroda ATM and debit card services, ensuring smooth transactions and avoiding extra fees.
Also Read: Find all the relevant information on Bank of Baroda International Transfer, how to carry out the transactions and more.
Bank of Baroda Cash Withdrawal Limit from Branch
The Bank of Baroda sets specific cash withdrawal limits for transactions carried out at branches. Here’s a breakdown of the Bank of Baroda cash withdrawal limit from the branch:
- Cash Withdrawal Limit per Transaction: The per day limit for cash withdrawal at Bank of Baroda branches is fixed at INR 50,000 per transaction for the account holder.
- Non-Base CBS Branches: For withdrawals made at non-base CBS (Core Banking System) branches, the maximum limit remains INR 50,000 per transaction. However, this is applicable only for accounts without chequebook facilities.
- Passbook Requirement: When making Bank of Baroda cash withdrawals, the account holder must present their passbook for the transaction, regardless of the type of account.
Bank of Baroda Cash Withdrawal Limit for Online Transaction
The Bank of Baroda cash withdrawal limits for online transactions can vary depending on the method of transaction you choose. Whether you’re making payments through UPI, RTGS, IMPS, or other mobile banking methods, each transaction mode comes with its own set of limitations to ensure secure and efficient fund transfers.
Understanding these limits is essential for managing your online financial activities without exceeding the permissible thresholds. Below are the detailed Bank of Baroda cash withdrawal limits for online transactions, helping you stay informed about the various options available to you.
Bank of Baroda Transaction Limit for UPI
When it comes to UPI (Unified Payments Interface) transactions, Bank of Baroda aligns its transaction limits through UPI with certain daily and transaction-based restrictions, ensuring a secure and efficient payment experience for customers. Here is a Bank of Baroda Transaction limit for UPI transactions:
| Transaction Category | Limit per Transaction | Limit per Day | No. of Transactions per Day |
| UPI Transaction | INR 25,000 | INR 25,000 | 5 |
Bank of Baroda Cash Transfer Limit for RGTS
Bank of Baroda offers a secure and efficient way to transfer large amounts of money through the Real-Time Gross Settlement (RTGS) system. When it comes to fund transfers using RTGS, the minimum transfer amount is INR 2,00,000. However, there is no upper limit for RTGS transfers conducted at a Bank of Baroda branch, providing flexibility for high-value transactions.
Bank of Baroda Cash Transfer Limit for NEFT
Bank of Baroda offers NEFT (National Electronic Funds Transfer) services for both retail and corporate customers, with distinct limits on cash transfers based on transaction type and frequency. Below are the details of the cash transfer limits for NEFT.
NEFT Transfer Limits for Retail Customers
| Transaction Category | Limit per Transaction | Limit per Day | Limit per Week | Limit per Month | Limit per Year |
| Retail Customers | INR 5,00,000 | INR 10,00,000 | INR 30,00,000 | INR 50,00,000 | INR 4,00,00,000 |
NEFT Transfer Limits for Corporate Customers
| Transaction Category | Limit per Transaction | Limit per Day | Limit per Week | Limit per Month | Limit per Year |
| Corporate Customers | INR 10,00,000 | INR 50,00,000 | INR 2,00,00,000 | INR 5,00,00,000 | INR 30,00,00,000 |
These limits reflect the maximum permissible transfer amounts for both retail and corporate account holders, ensuring that Bank of Baroda customers can make efficient and secure NEFT transfers for both personal and business needs.
Bank of Baroda Transaction Limit for IMPS
The Bank of Baroda offers IMPS (Immediate Payment Service), which is an instant and secure way to transfer funds using mobile or Internet banking. Below are the key details regarding the Bank of Baroda transaction limit for IMPS:
| Feature | Details |
| Transaction Limit (Per Day) | INR 50,000 |
| Transaction Limit (Per Month) | INR 2,50,000 |
| Availability | Mobile Banking and Internet Banking |
Factors Affecting Bank of Baroda Cash Withdrawal Limits
The cash withdrawal limits at the Bank of Baroda are influenced by several factors that ensure security, account type, and regulatory compliance. Understanding these factors can help customers make the most of their banking services while staying within the set limits.
Here are the several factors that influence the Bank of Baroda cash withdrawal limit per day for an account holder:
- Type of Savings Account: Premium accounts have higher withdrawal limits.
- Debit Card Type: Visa Opulence and RuPay Platinum offer higher limits.
- Branch vs. ATM Withdrawals: Some accounts allow higher withdrawals at branches than ATMs.
- Banking Regulations: RBI guidelines may impact withdrawal limits.
The Bank of Baroda cash withdrawal limits per day vary significantly depending on the type of account, debit card you hold, with specific limits applied to ATM, POS, and e-commerce transactions. It is important to stay informed about the limits associated with your specific debit card and account type to manage your finances effectively.
FAQs on Bank of Baroda Cash Withdrawal Limits
Bank of Baroda ATM cash withdrawal limits per day is up to INR 15,000. For non-Bank of Baroda ATMs, the withdrawal limit is INR 10,000 per transaction.
Yes, Bank of Baroda cash withdrawal limits at branches differ based on the location. You can withdraw up to INR 50,000 per day at your home branch for free and up to INR 25,000 per day at non-home branches.
The Bank of Baroda cash withdrawal limits depend on the debit card type you have. For example, with the BOB World Agniveer Debit Card, the limit is INR 50,000 per day, while the RuPay Classic DI Debit Card allows INR 25,000 per day.
Yes, the Bank of Baroda cash withdrawal limits for the Platinum Saving Account allow you to withdraw INR 1,00,000 per day from ATMs and INR 2,00,000 per day for POS (Point of Sale) purchases.
Under the Bank of Baroda cash withdrawal limits for senior citizens, you can withdraw INR 50,000 per day from ATMs and up to INR 1,00,000 per day from branches under the Senior Citizen Privilege Scheme.
Yes, with a debit card from another bank, you can withdraw up to INR 10,000 per transaction at Bank of Baroda ATMs, as per Bank of Baroda cash withdrawal limits.
Bank of Baroda cash withdrawal limits for the Masterstroke Saving Bank Account allow up to INR 5,00,000 per day from ATMs and INR 10,00,000 per day for POS purchases.
The daily ATM withdrawal limit for a Bank of Baroda LITE Savings Account is INR 50,000, in line with Bank of Baroda cash withdrawal limits. If the minimum balance is not maintained, additional charges may apply.
Yes, Bank of Baroda cash withdrawal limits for UPI transactions are INR 25,000 per day, with a maximum of 5 transactions allowed each day.
The Bank of Baroda cash withdrawal limits are influenced by several factors including the type of account (savings or current), the type of debit card issued, whether withdrawals are made at branches or ATMs, and the regulations set by the Reserve Bank of India (RBI).
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