Bank of BarodaReviews 

This is honestly one of the worst banking experiences I have ever had. I completely regret choosing this bank. They suddenly charged additional interest on my loan without any proper explanation. When I noticed the issue and went to the branch to ask about it, the staff could not give a single clear answer.

I spent almost the entire day in the bank trying to understand why this extra interest was charged. Instead of helping, the staff kept passing the responsibility from one person to another. Some employees simply said they “don’t know” and others just gave excuses. A bank that cannot explain its own interest calculations should seriously question its professionalism.

This kind of behavior makes customers lose trust completely. When people take loans they trust the bank to be transparent and honest. But here it feels like random charges appear and nobody takes responsibility to explain them.

Customer service is extremely poor. Instead of solving the issue, they waste customers’ time and act like the problem is not important. If a bank cannot provide proper service, transparency, and accountability, then they should stop pretending to care about their customers.

I strongly warn others to think twice before taking any loan or financial service from this bank. Make sure you read every detail and question every charge, because if something goes wrong you might not get any help from the staff.

I am a Canadian NRI and have an NRE account with Bank of Baroda (BOB), Shalimar Garden, GZB, UP branch for over a decade. BOB is full of red tape. In my experience, it is almost impossible to do BOB net banking. Unlike other Indian banks, BOB's net banking process is ridiculous. A horrible BOB customer service. Banking with BOB is a great mistake.

Today, I visited the Bank of Baroda – Dombivli West Branch regarding the outstanding amount on my loan, as I intend to close it.

Unfortunately, my experience was extremely disappointing. The loan officer, was unprofessional and did not give proper attention to my query. When I requested details of my outstanding balance for closure, he did not even check the system and instead provided vague and random responses. There was no effort made to assist or clarify my concerns.

Such treatment reflects poorly on customer service standards. If customers are treated in this manner, it discourages confidence in investing in or availing loan products from this branch.

I request the Branch Manager to kindly look into this matter personally and take appropriate action to ensure better service for customers.

Dont open account this bank this bank worthless thay dont answer your question and thay just one counter yo second counter to third counter dont open account this bank i just colse my account

Today 10/02/26 , Bank of Baroda, sambalpur odisha, when I go there to issue my fattag for vechile, general office said the requirement documents is addhar Xerox and rc Xerox, then I go with my father and then they told me bring passbook Xerox also , i said that you don't told me plz Xerox it because that time 3:30 pm no shop open, after employee do Xerox of one copy, the peon angry abuse him for a single Xerox print, peon insulting the general manager in the presence of customer and other staff , this shows a toxic environment and job culture, some day before I go there for put my cheque in cheque box , a chapri customer abuse same employee, because he said for opening a bank account you have to give pan card and adhar card, and no other employee Stop that men or support their employee , the bank employee is also a human, plz not behave like non human like

Today, I am forced to make this post.

My father, being not so learned, visited the Karamchari Nagar branch (Branch Code: BARB0KARBAR) managed under Radha Raman Singh, a month ago for re-issue of an E-BG

The E-BG was issued, however, some details were missing. My father again visited the branch, provided all the details and requested for the amendments.

She did the amendments, however, she didn’t send the details to bank end team to get them reflected at NESL portal.

Upon receiving the email from my company for which my father works, we reached her out again and she kept assuring, “Sir nothing is pending from my end, please chase your organisation.

When my father chased the organisation’s officer, we found that the details were not reflecting on the NESL portal.

Even my father’s organisation sent her an email on branch email address telling her that details are not reflecting.

She again did the same procedure and when my father asked her that the charges will be levied again, she told my father “ No sir no further charges will be applicable”.

Yesterday evening my father reached her via phone and she assured that “ Sir, I have send the details and requested back-end to get the details reflected “.

Yet again after multiple failed attempts to get the issue resolved via phone in the digital era, we reached branch again today to see what is causing a month of delay, we got to know that no such email or request was raised by her yet.

To cover up her negligence Mrs Neha with an unprofessional attitude, in a very casual manner shifted the blame to back end team when she is completely responsible for causing the trouble leading to huge losses to my father in business with hefty procedural charges.

First, she was ignorant of the standard procedure and second, she was conveying misleading information.

Bank of Baroda - Out trust in you is completely compromised. Since when unprofessional people are hired at Grade 2 officer level? Aren’t trainings are provided on how to deal with customers?
We demand resolution of our problem. We demand strict actions against this lady. We demand fair treatment.

Today , that is on 27th Jan 2026 , I visited Bank of Baroda , Alkapuri , Vadodara , Gujarat at 11 am for my bank locker work after obtaining permission of short leave for 40 minutes from my office. When I reached there the gate was closed and security person told me it is closed with no reason. While searching on google I came to know it was strike. Bank should intimate publicly so that people visiting from far off may not suffer.

Bank of Baroda deducts money as soon as I deposit funds, without any proper explanation. They keep cutting small amounts like ₹100 or ₹200 regularly, and this time they deducted ₹1600 straight away. Night-time transactions often do not work at all, and when the system comes back, the money is already gone.
Customer support is useless and provides no clear answers, and the branch staff is equally unhelpful. There are hidden charges everywhere but absolutely no reliable service. This bank has become a constant source of stress and financial loss.

Worst bank

The manager of the bank even after the student loan was sanctioned the bank manager was not ready to pay the tuition fee, and to open the account they have taken 15days plus. The bank manager is so annoying he wastes time intentionally by asking what if the tuition fund is not refundable bcz of this my visa got delayed , to get visa i need to pay tuition fee other i don't.And says that customer don't have clarity.

Very Poor Service – Bank of Baroda, Panaji Branch
I am extremely disappointed with the service at the Bank of Baroda Panaji branch. My NRI debit card PIN has still not been delivered even after more than one year.
Despite multiple visits to the branch, numerous phone calls, and several follow-up emails, the issue remains unresolved. Each time I was assured it would be taken care of, but no concrete action has been taken so far.
This level of negligence and lack of accountability is unacceptable, especially from a national bank handling NRI customers. Such delays cause serious inconvenience and reflect very poorly on the branch’s customer service standards.
I strongly urge the concerned authorities to look into this matter and improve responsiveness and efficiency at the Panaji branch.

One of the worst banks on multiple accounts:
Knowledge across staff is extremely poor; you will get a different answer for your issue from every staff member you approach confusing you further and eventually them not wanting to do their job.
Website is appaling as it is super slow and not at all user friendly especially for senior citizens.
App is equally pathetic.
'Ask ADI' is a joke as it just plain does not even load; working is another century away.
All in all, a 0 star bank and my experience has been not of a day or one time but across all my years dealing with this bank.

I have had a few dealings with BOB UK. I recently had Chetna dealing with one of my fixed deposit accounts and I can say she was really helpful, knowledgeable and ensured she was on top of things every step of the way. She is based in the city branch. I would highly recommend to book an appointment with her. Customer service was top from her.

Bijal

Useless bank
It took me 3 days to get originals
After paying back my loan
Manager at bob(rishali branch bhilai) is an illeterate fellow.
Worst services

I had an appointment today in london branch , i m writing here what i received the best service ever in uk branch. Chetna is the gem of the branch very polite and big salute of her patience and kindness. I really cherished the appointment thank you BOB .

ugly service and tech- neither app or web experience is good; regret opening an account here

Bro there system is wasted all time I have to wait for 3 hour just to open a account even there was no rush in the bank

BOB Card is disgrace to Credit Card industry.
Reasons are
1.Phone lines not at gets connected.
2.Person need to wait for long time answering/typing to answers to machines and even then it get transferred those will be disconnected abruptly/not answered.
3.Customer Care executive dont care. Answers are given were rudely and carelessly. If ticket raised have a resolution time of Max 5 working days. If you call after 3 working days, then you are told to wait for 2 more working days and then check.. What kind of service this is

I contacted customer care and the person name is Anurag, at midnight 2’o clock I contacted because I got emergency situation and one of my frd transfer money to me and not credited and I need to transfer to other frd as his uncle in hospital but everyday midnight the BOB Application always in maintenance, I ask anurag to give me solution but he is sending same mgs that sorry for inconvenience, apologies for inconvenience, instead of understanding the hospital emergency situation and need to transfer the money, but unfortunately not got any help from customer care ( Anurag) and not even from bank of baroda. Very bad experience. Here no have options for photo add otherwise I have chat screenshot as well.

I recently visited your branch and was assisted by CHETAN from central London branch .I was very impressed with her professionalism, patience, and courteous behavior. She clearly explained all the procedures and made the entire process smooth and efficient. Her excellent customer service reflects very well on the bank. Thank you for the great experience.