Bank of Baroda UAE: Accounts, Fees, Branches & How to Open One
Bank of Baroda UAE has five branches, nine electronic banking service units and 45 ATMs, and every account opening ends with a signature in front of a bank official. That single visit shapes how you apply, which location you pick and how soon you can start banking.
The bank has operated in the UAE since 1974 and is licensed and regulated by the Central Bank of the UAE. Its accounts split into personal savings and salary accounts, individual current accounts and business current accounts, with minimum balances that run from nothing to AED 2,000,000.
The minimum balance rule is where most of the cost sits. A savings account that drops under AED 1,000 is charged AED 100 a month plus 5% VAT, which adds up to AED 1,260 a year.
Bank of Baroda UAE key details
| Detail | Information |
|---|---|
| Operating in the UAE since | 1974 |
| Regulator | Central Bank of the UAE |
| Branches | Dubai (Karama), Abu Dhabi, Deira, Sharjah, Ras Al Khaimah |
| Electronic banking service units (EBSUs) | 9 |
| ATMs | 45 |
| Branch hours | Monday to Thursday and Saturday, 9:00 am to 4:00 pm. Friday, 7:30 am to 12:30 pm. Closed Sunday |
| Toll-free line | 800 BARODA (800 227632), 24 hours |
| Other 24-hour lines | +971 4 313 6666 and +971 4 313 6600 |
| Internet banking | BarodaConnect |
| Mobile app | bob World UAE |
| Debit cards | Visa Classic, Visa Gold and Jaywan |
Accounts & who can open them
Bank of Baroda UAE offers six personal account types and six business current account types, and each one has its own minimum balance.
Personal accounts
| Account | Built for | Minimum balance | Shortfall charge per month |
|---|---|---|---|
| Savings account | Resident GCC nationals and Indian nationals, including Persons of Indian Origin. Opens in AED or USD | AED 1,000 | AED 100 |
| Zero balance WPS savings account | Any resident individual permitted to work in the UAE. AED only, no joint accounts | None | None |
| Non-resident savings account | Individuals living outside the UAE with financial interests in it. Opens in AED, USD, GBP or EUR | AED 5,000 | AED 200 |
| Baroda Happiness Twin account | Current and savings combined in one account | None | None |
| Premium Salary account | Salary account with a cheque book and lower certificate fees | None | None |
| Special Current account | Individual current account with a cheque book | AED 2,500 | AED 100 |
Both the savings account and the WPS account earn 0.40% p.a. Neither comes with a cheque book, and both include a debit card, internet banking and mobile banking.
The balance you can keep decides the choice:
- Under AED 1,000 on average: the WPS, Twin and Premium Salary accounts carry no minimum balance.
- AED 1,000 or more: the standard savings account works, and USD is available as a second currency.
- Living outside the UAE: the non-resident account needs AED 5,000, and its internet banking access is view-only.
A minor’s savings account can run until the child turns 21, and only the father or mother can operate it.
Business accounts
Current accounts for businesses are open to registered entities such as LLCs, partnerships and free zone companies. The minimum is measured either as a monthly average or, for the Premium account, as a daily closing balance.
| Account | Minimum balance | Shortfall charge per month |
|---|---|---|
| General current | AED 10,000 monthly average | AED 200 |
| Flexi-Desk current | AED 25,000 monthly average | AED 500 |
| Gold current | AED 50,000 monthly average | AED 500 |
| Offshore current | AED 50,000 monthly average | AED 500 |
| Premium current | AED 100,000 daily closing | AED 500 |
| Platinum current | AED 2,000,000 monthly average | AED 1,000 |
The Offshore account is the only one with an account maintenance charge, set at AED 100. Account closure within six months costs AED 500 on the General, Gold and Offshore accounts and AED 1,000 on the Flexi-Desk and Premium accounts, while Platinum charges AED 1,500.
Businesses that pay salaries through the Wage Protection System pay a flat AED 30 to process a WPS file of up to 10 entries, then AED 1 for each extra entry.
Documents needed to open an account
Personal accounts need the same core set of documents, and originals must be shown for verification.
- Account opening application form, signed in front of a bank official
- Passport copy including the address page and the valid UAE visa page
- Emirates ID copy
- Labour contract copy for salary accounts
- No objection certificate from the sponsor
- Two recent passport-size photographs
- Tenancy contract or Ejari where applicable
The non-resident account asks for a different set: the application form, a document that proves a financial interest in the UAE, a passport copy, two photographs, proof of address in the country of residence and an identity proof such as a PAN card or an Emirates ID.
Business accounts need these documents:
- Trade licence, chamber of commerce registration and economic department registration
- Memorandum of association and articles of association, with a certified English translation if they are in Arabic
- Board resolution naming the account signatories
- Self-attested passport, visa and Emirates ID copies for every partner or director
- Tenancy contract with Ejari for the business premises
- Six months of bank statements for existing companies
Fees & charges
Most everyday charges on an individual account fall between AED 1 and AED 100, and 5% VAT is added to each. The individual schedule of charges sets these amounts.
| Service | Fee (AED) |
|---|---|
| Shortfall below minimum balance (savings) | 100 per month |
| Account closure | 100, free after 6 months |
| First debit card | Free |
| Lost or stolen debit card replacement | 25 |
| PIN replacement | 25 |
| Another bank’s ATM in the UAE | 2 per withdrawal |
| Another bank’s ATM in GCC countries | 6 |
| Another bank’s ATM elsewhere | 21 |
| Balance inquiry at another bank’s ATM in the UAE | 1 |
| Card-not-present purchases in foreign currency | 2% of the amount, plus Visa’s processing fee |
| Transfer within the UAE, internet or mobile banking | Free on savings, 2 on most other accounts |
| Transfer within the UAE, at a branch | 50 (30 on Premium Salary) |
| Transfer outside the UAE, savings account | 100 (60 on Premium Salary) |
| Incoming transfer from outside the UAE | 40 (20 on non-resident savings and Premium Salary) |
| Balance confirmation, interest certificate or release letter | 50 (20 on Premium Salary) |
| No liability certificate | 50 on savings, 60 on most other accounts |
| Cash deposit above AED 40,000 | 100 |
| Cheque book | 2 per leaf |
| Safe deposit locker, per year | 1,000 small, 1,500 medium, 2,500 large |
Lockers also need a security deposit of AED 15,000, AED 25,000 or AED 50,000 depending on the size.
How to open an account
Opening an account takes five steps, and the signature step is the one that needs a visit.
- Pick the account using the tables above, based on your balance, your nationality and whether your salary comes through WPS.
- Start the request with the Apply Online form on the product page, walk into a branch or EBSU, or call 800 BARODA (800 227632).
- Take the original documents, a set of copies and two passport-size photographs.
- Sign the application form in front of a bank official, who verifies the originals under Central Bank of the UAE KYC rules.
- Ask the branch to register you for mobile banking in the same visit, so the 4-digit mPIN reaches you by SMS.
The application form is signed in the presence of a bank official, so the opening is completed in person.
Branches, EBSUs & SWIFT codes
Bank of Baroda UAE runs five branches, and each one has its own SWIFT code. The 8-character code BARBAEAD identifies the bank itself.
| Branch | Location | Phone | SWIFT code |
|---|---|---|---|
| Dubai | Umm Hurair Building, Al Doha Street, Karama | +971 4 313 6681 | BARBAEADDUB |
| Abu Dhabi | Al Jazeera Towers, Hamdan Bin Mohammed Street, Al Danah | +971 2 632 2000 | BARBAEADADH |
| Deira | Deira, Dubai (new premises) | +971 4 260 0900 | BARBAEADDEI |
| Sharjah | Crystal Plaza Building, Buhaira Corniche | +971 6 503 7918 | BARBAEADSHJ |
| Ras Al Khaimah | Al Nahkeel Street, next to Choitram Super Store | +971 7 226 9377 | BARBAEADRAK |
The Deira branch moved to new premises in 2026. Its line, +971 4 260 0900, gives the street address.
The nine EBSUs handle everyday account services close to workplaces and industrial areas:
| EBSU | Emirate | Phone |
|---|---|---|
| Burdubai | Dubai | +971 4 358 3756 |
| Sheikh Zayed Road | Dubai | +971 4 339 7838 |
| DMCC | Dubai | +971 4 395 8336 |
| Al Qusais | Dubai | +971 4 257 6734 |
| Mussafah | Abu Dhabi | +971 2 555 1843 |
| Shabiya | Abu Dhabi | +971 2 555 8491 |
| National Paints | Sharjah | +971 6 544 3244 |
| Hamriya Free Zone | Sharjah | +971 6 526 4924 |
| RAKIA | Ras Al Khaimah | +971 7 243 4575 |
Ajman, Umm Al Quwain and Fujairah have no branch or EBSU. Al Ain has had no branch since the closure in 2023.
Two service details matter before a visit. Inward remittance services at branches do not run on Saturdays. Services for People of Determination are available at the Dubai and Sharjah branches and at the Burdubai, Sheikh Zayed Road, Al Qusais and RAKIA EBSUs.
Digital banking & transfers to India
Digital banking covers internet banking through BarodaConnect, the bob World UAE app and the ATM network. The bob World UAE app runs on iPhone and Android, and it replaced the older M-Connect Plus UAE app.
Activation follows this order:
- Submit the registration form at your base branch.
- Receive the 4-digit mPIN by SMS.
- Download the app and confirm the silent SMS and the OTP prompt.
- Create a 4-digit application password and accept the terms.
- Replace the mPIN you received with one of your own.
The app handles balance checks, mini statements, transfers, fixed and recurring deposit openings, credit card payments, cheque book requests and a branch and ATM locator.
| Channel | Transfer type | Per transaction | Per day |
|---|---|---|---|
| Internet banking | Within bank, interbank or Rapid Funds to India | AED 100,000 | AED 200,000 |
| Mobile app | Third party within the bank | AED 20,000 | AED 40,000 |
| Mobile app | Interbank | AED 50,000 | AED 100,000 |
| Mobile app | Rapid Funds to India | AED 40,000 | AED 40,000 |
| Mobile app | Credit card payment | AED 20,000 | AED 25,000 |
Rapid Funds to India carries no fee through internet banking, mobile banking or ATMs. At a branch it costs AED 2 for a Bank of Baroda account in India and AED 5 for another bank.
Debit card limits depend on the card variant:
| Limit | Visa Classic | Visa Gold |
|---|---|---|
| Cash withdrawal per transaction | AED 10,000 | AED 15,000 |
| Cash withdrawal per day | AED 20,000 | AED 25,000 |
| Purchases at shops and online per transaction | AED 15,000 | AED 25,000 |
| Purchases at shops and online per day | AED 25,000 | AED 50,000 |
Both cards allow up to 10 withdrawals a day, and the first three contactless payments of the day, each up to AED 500, need no PIN. The bank’s own ATMs charge nothing for withdrawals, deposits, balance inquiries, mini statements, PIN changes, Rapid Funds to India or bulk cheque deposits of up to 20 leaves.
Loans & deposits
The salary-linked personal loan goes up to AED 500,000 with repayment over up to 48 months. Car loans run up to 48 months for new cars and 36 months for used cars. Term deposits and recurring deposits are available on the personal side, and business customers can apply for lines of credit, trade finance and project finance.
Strengths & trade-offs
Where it works well
- Three personal accounts carry no minimum balance: WPS, Twin and Premium Salary.
- Transfers to India through the app or internet banking carry no fee, with a limit of AED 100,000 per transaction online.
- The first debit card is free, and the bank’s own ATMs charge nothing for the main services.
- The non-resident account holds AED, USD, GBP and EUR.
Where it falls short
- Five branches and nine EBSUs leave three emirates without a counter.
- Savings and WPS balances earn 0.40% p.a.
- The standard savings account is limited to GCC and Indian nationals.
- Mobile banking registration happens at a branch, and the account application needs an in-person signature.
- Branches do not process inward remittances on Saturdays.
FAQ
How many Bank of Baroda branches are in the UAE?
There are five branches, in Dubai, Abu Dhabi, Deira, Sharjah and Ras Al Khaimah, plus nine EBSUs and 45 ATMs.
Can I open a Bank of Baroda UAE account online?
The Apply Online form on each product page starts the request, but the account application is signed in front of a bank official. A visit to a branch or an EBSU completes the opening.
What is the minimum balance for a Bank of Baroda UAE savings account?
The savings account needs AED 1,000, and a shortfall costs AED 100 a month plus 5% VAT. The zero balance WPS account has no minimum.
Can non-Indian residents open a Bank of Baroda UAE account?
The standard savings account is limited to GCC nationals and Indian nationals, including Persons of Indian Origin. The zero balance WPS account is open to any resident individual permitted to work in the UAE.
Is there a Bank of Baroda branch in Al Ain?
No. The Al Ain branch closed in 2023. The bank’s locations in the Abu Dhabi emirate are the Al Danah branch and the Mussafah and Shabiya EBSUs.
What is the Bank of Baroda UAE SWIFT code?
The bank-level code is BARBAEAD. The branch codes are BARBAEADDUB for Dubai, BARBAEADADH for Abu Dhabi, BARBAEADDEI for Deira, BARBAEADSHJ for Sharjah and BARBAEADRAK for Ras Al Khaimah.
How do I block a lost Bank of Baroda UAE debit card?
Call 800 BARODA (800 227632), which answers 24 hours a day. Replacing a lost or stolen card costs AED 25.
Next steps
- Match your balance, nationality and WPS status to the account tables and shortlist one account.
- Call 800 BARODA (800 227632) to find the closest branch or EBSU for your area.
- Take originals, copies and two photographs to the signing visit.
- Ask for mobile banking registration at the same visit, then activate the bob World UAE app with the mPIN.
