Bank of Baroda UAE provides a wide range of banking solutions for individuals, businesses and NRI customers across the United Arab Emirates. Customers can access bank accounts, loans, digital banking, ATM services, remittance options and other financial solutions through its UAE network.
For people searching for Bank of Baroda UAE information, knowing where to find a branch, how to access online banking, which accounts are available and how to contact customer support can make banking much easier.
This guide covers Bank of Baroda UAE branches, accounts, digital banking, login options, ATM services, loans, NRI banking, fees and customer support in one place.
Bank of Baroda UAE at a Glance
Bank of Baroda has maintained a banking presence in the UAE for more than 50 years. According to its UAE website, the bank currently has 5 branches, 9 Electronic Banking Service Units (EBSUs) and 45 ATMs across the country. Its main branch locations include Dubai, Deira, Abu Dhabi, Sharjah and Ras Al Khaimah.
| Feature | Details |
| Bank | Bank of Baroda |
| Country | United Arab Emirates |
| Main branches | 5 |
| EBSUs | 9 |
| ATMs | 45 |
| Digital banking | BarodaConnect and bob World UAE |
| Customer care | 800-BARODA (227632) |
| NRI services | Available |
| In the UAE since | 1974 (first Dubai branch opened 25 June 1974) |
| SWIFT/BIC | BARBAEADXXX (head office) |
| IBAN length | 23 characters, bank code 011 |
| Main services | Accounts, loans, digital banking, remittance and more |
The bank also provides dedicated services for NRI customers, including an India Desk at its Dubai Main Branch in Al Karama.
Bank of Baroda UAE Services
Customers can choose from several personal banking products and financial services depending on their needs.
Bank Accounts
Bank of Baroda UAE offers different deposit and account options, including savings accounts, current accounts, salary accounts, non-resident savings options and other deposit products.
Some available options include:
- Savings Account
- Current Account
- Premium Salary Account
- Savings Account for Non-Residents
- Zero Balance WPS Savings Account
- Baroda Happiness Twin Account
- Recurring Deposit
- Term Deposit
The bank’s official personal banking section lists a range of deposit products for different customer requirements.
Loans and Financing
Customers can also access several financing options through Bank of Baroda UAE.
These include:
- Vehicle loans
- Home loans
- Salary-linked personal loans
- Top-up loans
- Loans against property
- Other personal banking finance options
The bank publishes some eligibility conditions directly. For advances against property to individuals, the stated age range is a minimum of 21 years, with a maximum of 65 for salaried applicants and 70 for non-salaried applicants including the loan tenor. Car loans carry published repayment terms of up to 48 months for new cars and 36 months for used cars. For advances against property to non-individuals, term loans run to a maximum of 7 years, while overdrafts are set for 12 months subject to annual review with a 15% annual step-down in the limit.
Beyond these, rates, processing charges and documentation vary by product and applicant, so confirm current terms with the bank before applying.
Digital Banking
Digital banking allows customers to manage many everyday banking activities without visiting a branch. Bank of Baroda UAE provides internet banking through BarodaConnect and mobile banking through bob World UAE.
Bank of Baroda UAE Branches
Bank of Baroda currently lists five main UAE branch locations:
| Branch | Building | Emirate | SWIFT/BIC | Phone |
| Dubai Main | Sh. Rashid Building | Dubai | BARBAEADDUB | +971 4 313 6681 |
| Deira | Kazim Building | Dubai | BARBAEADDEI | +971 4 260 0900 |
| Abu Dhabi | Al Halami Centre | Abu Dhabi | BARBAEADADH | +971 2 632 2000 |
| Sharjah | Al Arooba Building | Sharjah | BARBAEADSHJ | +971 6 503 7918 |
| Ras Al Khaimah | Sh. Saqr Bin Rashid Al Qassim Building | Ras Al Khaimah | BARBAEADRAK | +971 7 226 9377 |
| DIFC | Gate Building, West Wing | Dubai | BARBAEADIFC | – |
The bank also operates Electronic Banking Service Units in locations including Bur Dubai, Sheikh Zayed Road, Mussafah, Shabiya, DMCC, Al Qusais, National Paints, Hamriyah Free Zone and RAKIA.
Because branch details and working hours can change, it is best to confirm the latest information through the bank’s official branch directory before visiting.
Bank of Baroda UAE Login
Customers looking for Bank of Baroda UAE login can use the bank’s digital banking services through BarodaConnect.
BarodaConnect provides internet banking facilities for retail and corporate customers. The bank’s published information also includes fund-transfer facilities through internet banking. For retail customers, the stated limit for within-bank, interbank and Rapid Fund India transfers is AED 100,000 per transaction and AED 200,000 per day, while corporate limits can be higherdepending on the setup.
For security, always access internet banking through the official Bank of Baroda UAE website rather than using login links received through unknown messages or emails.
Official digital banking: Bank of Baroda UAE Digital Banking
Bank of Baroda UAE Mobile Banking
bob World UAE is the bank’s mobile banking application for UAE customers. It replaced the earlier M-Connect Plus UAE application and provides access to a range of banking services through a mobile device.
Depending on the service and account type, customers can use digital banking for activities such as:
- Balance enquiry
- Account information
- Fund transfers
- Transaction history
- Statements
- Rapid Funds to India
- Other everyday banking services
Mobile banking can be useful for customers who want to manage routine transactions without visiting a branch.
Bank of Baroda UAE ATM Services
Bank of Baroda UAE has a network of 45 ATMs across the UAE. The bank says its ATM network provides 24-hour access to banking services.
Services available through the bank’s ATMs include:
- Cash withdrawal
- Cash deposit
- Balance enquiry
- Mini statement
- PIN change
- Rapid Funds to India
- Bulk cheque deposit
Bank of Baroda debit cards also support contactless transactions. The bank states that contactless transactions are capped at AED 500 per transaction, with customer authentication required after three consecutive contactless transactions.
Bank of Baroda UAE Account Opening
Opening an account starts with selecting the account that matches your banking needs. Bank of Baroda UAE allows customers to apply through its website for eligible personal banking products, while branch and EBSU options are also available.
How to Open a Bank of Baroda UAE Account
- Visit the official Bank of Baroda UAE website.
- Go to the personal banking section.
- Select the account you want to open.
- Click the relevant application option.
- Enter your personal information.
- Submit the application.
- Wait for the bank’s representative to contact you if further verification is required.
Customers can also visit a branch or EBSU in person or contact the bank’s customer service team for assistance.
Documents for Account Opening
Required documents depend on the account type and customer profile. Depending on the product, applicants may need documents such as:
- Valid passport
- Valid UAE residence visa
- Emirates ID
- Employment or salary-related documents
- Tenancy or Ejari documents where applicable
- Passport-size photographs
- Additional documents requested by the bank
Requirements can differ between account products, so applicants should confirm the current checklist before submitting an application.
Bank of Baroda UAE Savings Accounts
A savings account can be suitable for customers who want a simple way to keep money, receive income and manage everyday transactions.
The bank offers different savings products, including general savings and non-resident options. Its published account information shows that eligibility, minimum balance requirements, currencies, documentation and other conditions vary by product.
For example, the bank’s published general savings account information includes AED and USD account options, debit card and online/mobile banking access, and transfers to India through ATM or electronic banking.
Before opening an account, compare the minimum balance, applicable charges and features rather than choosing an account based only on its name.
Bank of Baroda UAE Current Account
A current account can be useful for customers who need regular transactions and cheque facilities.
Bank of Baroda UAE provides individual and business-oriented current account options. The individual current account information published by the bank includes eligibility conditions, AED and USD availability and cheque-book facilities.
For business customers, current account requirements and minimum balance conditions can be different from personal accounts.
Bank of Baroda UAE Fees and Charges
Banking fees depend on the account type and service. Bank of Baroda UAE publishes separate schedules of service charges for individual retail customers, non-individual customers and loan-related charges.
The bank’s currently published individual service-charge schedule is marked effective from 3 April 2024, so customers should check the latest official schedule before relying on a particular fee.
Some examples from the published individual schedule include:
| Service | Published Charge |
| Other UAE bank ATM cash withdrawal | AED 2 |
| International ATM cash withdrawal | AED 21 |
| UAE ATM balance enquiry at another bank’s ATM | AED 1 |
| Outward UAE transfer through e-banking/mobile banking | AED 2 for listed account types |
| Outward transfer outside UAE | Varies by account |
| Account closure within applicable period | AED 100 for listed personal accounts |
Fees can vary by account and service, so this table should be treated as a quick reference rather than a universal fee list. Always verify the latest schedule before making a financial decision.
Bank of Baroda UAE Interest Rates
Interest rates can change, so customers should check the latest rate before opening a deposit.
As published by Bank of Baroda UAE, rates effective from 6 January 2026 for AED term deposits range from 2.70% for 1 month to below 3 months up to 3.20% for 12 months to below 24 months. The published rates vary by deposit tenor and currency.
| AED Term Deposit | Published Rate |
| 1 to below 3 months | 2.70% |
| 3 to below 6 months | 2.80% |
| 6 to below 12 months | 2.90% |
| 12 to below 24 months | 3.20% |
| 24 to below 36 months | 3.00% |
| 36 to below 60 months | 1.60% |
| 60 months | 1.20% |
Rates are subject to change, and premature closure can affect the interest payable.
Bank of Baroda UAE NRI Services
Bank of Baroda UAE has dedicated services for Non-Resident Indians living in the UAE.
The bank states that it has an India Desk at its Dubai Main Branch in Al Karama to support NRI customers. It also provides NRE and NRO account-related services and facilitates banking connections with its wider India network.
NRI customers can explore services related to:
- NRE accounts
- NRO accounts
- Remittances to India
- India Desk support
- Digital banking
- ATM and electronic fund transfers
For NRI account opening, customers should review the bank’s latest document checklist and eligibility requirements.
Bank of Baroda UAE Remittance Services
Sending money between the UAE and India is an important requirement for many customers.
Bank of Baroda UAE provides fund-transfer facilities through branches, internet banking, mobile banking and ATMs, depending on the service. Its digital banking information also lists Rapid Funds to India as one of the available services.
Digital channels can also offer different transaction limits and charges compared with branch-based transactions, so customers should check the applicable limit and fee before transferring funds.
Bank of Baroda UAE Customer Care
Customers who need help with accounts, banking services or debit cards can contact Bank of Baroda UAE through its customer support channels.
The bank lists 800-BARODA (227632) as its toll-free customer-care number. It also lists UAE telephone numbers including +971 4 313 6666 and +971 4 313 6600, with the latter shown as available on a 24-hour basis on its account pages.
For debit-card blocking, the bank also lists 800-BARODA as a 24-hour contact option.
Before sharing account information, always make sure you are contacting an official Bank of Baroda channel.
Is Bank of Baroda UAE a Good Choice?
Bank of Baroda UAE can be a practical option for customers who want access to traditional branch banking along with internet and mobile banking services.
It may be particularly useful for customers who:
- Need access to physical branches in the UAE
- Want digital banking options
- Regularly transfer money to India
- Need NRI banking services
- Are looking for personal loans or home financing
- Prefer a bank with an established UAE presence
However, the right bank depends on your personal or business requirements. Before opening an account, compare fees, minimum balances, interest rates, digital features, branch access and available financial products.
Bank of Baroda UAE SWIFT Codes
If you are receiving an international transfer into a Bank of Baroda UAE account, the sender needs the SWIFT/BIC code for the branch where your account is held. The generic head-office code works for most incoming transfers, but using the branch-specific code avoids routing delays.
| Branch | SWIFT/BIC code |
| Head office / generic | BARBAEADXXX |
| Dubai Main | BARBAEADDUB |
| Deira | BARBAEADDEI |
| Abu Dhabi | BARBAEADADH |
| Sharjah | BARBAEADSHJ |
| Ras Al Khaimah | BARBAEADRAK |
| DIFC | BARBAEADIFC |
All Bank of Baroda UAE codes begin with BARBAEAD. The first 4 characters identify the bank, AE is the country code, and the final 3 characters identify the branch. If a form only accepts 8 characters, use BARBAEAD on its own.
Bank of Baroda UAE IBAN
Every UAE bank account has an IBAN, and you will need it for salary transfers, WPS registration and any local or international payment into your account.
- A Bank of Baroda UAE IBAN is 23 characters long.
- It starts with the country code AE, followed by 2 check digits.
- The next 3 digits are the bank code, 011 for Bank of Baroda.
- The final 16 digits are your account number, padded with leading zeros.
So an account number such as 90021111111111 becomes an IBAN in the form AE46 0110 0900 2111 1111 111. You can generate yours with the bank’s own IBAN checker, or find it on your statement and in BarodaConnect.
Electronic Banking Service Units (EBSUs)
Alongside its 5 branches, Bank of Baroda runs 9 Electronic Banking Service Units. These are self-service points for routine transactions rather than full branches, which matters if you live outside the 5 branch cities.
- Dubai: Bur Dubai, Sheikh Zayed Road, DMCC (Al Mas Tower), Al Qusais
- Abu Dhabi: Mussafah, Shabiya
- Sharjah: National Paints, Hamriyah Free Zone
- Ras Al Khaimah: RAKIA
Closing a Bank of Baroda UAE Account
Account closure is handled at a branch, not online. Before you go, clear any outstanding balance or overdraft, cancel standing instructions and direct debits, and return any unused cheque leaves and your debit card.
Note that the bank’s published schedule lists a charge of AED 100 for closing certain personal accounts within the applicable period. If you have a salary account, tell your employer to redirect your WPS transfer before closing, otherwise the salary can bounce. Confirm the current requirements and any charge on the service charges page before you start.
Frequently Asked Questions
How many Bank of Baroda branches are there in the UAE?
Bank of Baroda UAE currently lists five main branches in Dubai, Deira, Abu Dhabi, Sharjah and Ras Al Khaimah. It also operates nine Electronic Banking Service Units and 45 ATMs.
How can I access Bank of Baroda UAE login?
Customers can access internet banking through BarodaConnect using the official Bank of Baroda UAE digital banking channel. Avoid using login links from unknown sources.
Does Bank of Baroda UAE have mobile banking?
Yes. Bank of Baroda UAE provides the bob World UAE mobile banking application, which offers a range of banking services through mobile devices.
How can I open a Bank of Baroda UAE account?
You can select an eligible account through the bank’s personal banking section and apply online, or visit a branch/EBSU for assistance.
Does Bank of Baroda UAE offer NRI services?
Yes. The bank provides NRI services and has an India Desk at its Dubai Main Branch in Al Karama.
How can I contact Bank of Baroda UAE?
The bank lists 800-BARODA (227632) for customer support, along with additional UAE contact numbers.
Does Bank of Baroda UAE have ATMs?
Yes. Bank of Baroda UAE states that it has a network of 45 ATMs across the UAE.
What types of loans are available from Bank of Baroda UAE?
The bank lists vehicle loans, home loans, salary-linked personal loans, top-up loans and loans against property among its personal banking products.
What is the Bank of Baroda UAE SWIFT code?
The generic code is BARBAEADXXX, or BARBAEAD in 8-character form. Branch codes are BARBAEADDUB for Dubai Main, BARBAEADDEI for Deira, BARBAEADADH for Abu Dhabi, BARBAEADSHJ for Sharjah, BARBAEADRAK for Ras Al Khaimah and BARBAEADIFC for DIFC. Use the code for the branch holding your account where the sender asks for it.
How do I find my Bank of Baroda UAE IBAN?
Your IBAN is 23 characters, starting with AE, then 2 check digits, then the bank code 011, then your 16-digit account number. It appears on your account statement and inside BarodaConnect, and the bank also publishes an IBAN checker on its website where you can enter your account number to generate it.
How do I close a Bank of Baroda UAE account?
Closure is done at a branch rather than online. Clear any outstanding balance, cancel standing instructions and direct debits, and return unused cheque leaves and your debit card. The bank’s published schedule lists a charge of AED 100 for closing certain personal accounts within the applicable period.
Does Bank of Baroda have a branch in Sharjah?
Yes. The Sharjah branch is in the Al Arooba Building and its SWIFT code is BARBAEADSHJ. You can reach it on +971 6 503 7918. Sharjah also has 2 Electronic Banking Service Units, at National Paints and Hamriyah Free Zone, for routine self-service transactions.
Final Thoughts
Bank of Baroda UAE offers a combination of branch-based banking, digital services, deposit accounts, financing, ATM facilities and NRI-focused solutions. Its UAE network includes five main branches, nine EBSUs and 45 ATMs, while BarodaConnect and bob World UAE give customers digital options for everyday banking.
Whether you need a bank account, online banking access, a branch location, money transfer services or NRI support, checking the latest official terms is the best way to make an informed decision. Banking fees, interest rates, eligibility criteria and service availability can change, so always confirm current details directly with Bank of Baroda UAE before applying or making a transaction.
Official sources
Everything above is compiled from primary sources. Check these directly before you act, because fees and product terms change often and without notice.
- Official website: Bank of Baroda UAE for current products, eligibility rules and the published schedule of fees.
- Regulator: Central Bank of the UAE, which licenses and supervises every bank operating in the UAE and handles escalated consumer complaints.
- Our method: how we research each bank and what our ratings mean is set out in our editorial policy and ratings methodology.
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