How to Get Your BOB Bank Customer ID in 2025

A few weeks ago, one of my friends, Aashish Gupta, a BTech student from Ghazipur, Uttar Pradesh, opened a new Bank of Baroda (BOB) savings account.

Like most of us, he was excited to use net banking — check balances and make NEFT payments. But during the setup, the bank asked for his Customer ID. That’s when he called me, confused:

“Bro, what’s a Customer ID, and where do I find it?”

If you’ve ever faced a similar issue, don’t worry — you’re not alone.

This guide is for people just like you.

Hi, I’m Nanne Parmar, a Google Finance author and editor. I can relate to your missing ID issue. It happens with many of our clients. To make it easy for you, I have written this simple-to-follow guide to help you retrieve it, without logging in or going through difficult forms.

Just scroll and try any of the methods that you feel are best for you.

So, without wasting time, let’s begin the guide.

What is the Customer ID in Bank of Baroda?

Bank of Baroda is the third-largest public sector bank in India, right after PNB and SBI. According to the BOB Wikipedia Page, its total income for 2025 was ₹1.53 lakh crore (American $18 billion). The bank also touches more than 165 million customers across 17 countries. To handle this 16.5 crores customer baseline, the BOB uses a unique ID system, also known as the customer ID.

The Customer ID — also called CIF (Customer Information File) number. It’s a special code allotted to each new customer, not each account. So if you have a savings account and a loan account in BOB, you’ll have the same Customer ID for both.

Your BOB Customer ID is a 9 to 14-character alphanumeric code. It can be:

• Just full digits like 533239992, or
• A mix of letters and numbers like FWH002334

It places you as a person, not your account — like a digital fingerprint used across all BOB platforms and services.

How is it Different From an Account Number?

Here’s an easy way to remember:

Item	What it does
Account Number	Unique for each account
Customer ID	Unique for each person (same for all BOB accounts you own)

Where is the CIF ID used in the bank?

Your ID is required in many places and products:

• Registering for Net Banking
• Logging into the BOB World App
• Using the BOB mPassbook App
• Re-KYC and verification
• Filling up forms at a branch
• Tracking or reporting account issues

Now that you understand its importance and the need for digital banking, let’s look at how to find it quickly. Let me share one of my favourite options to retrieve it –

1. Know Your BOB Customer ID Through SMS

All Thanks to BoB bank, the SMS banking for retrieving they still providing for all types of customers. As per the Ask ADI by BOB Bank, this is the quickest official method to retrieve your Customer or User ID, and it doesn’t require any app to download or log in. All you need is your mobile phone and an active SMS pack. Follow the steps here –

1. Open your Messages app.
2. Type this: “CUST” (no symbols, only letters)
3. Now, in the “send to” section, enter the (8422009988) number and tap on send (from your registered mobile number only)
4. After 10 to 20 seconds, you will get an SMS from the BOB bank with your full ID.

Tips:

• First, confirm your mobile number is linked to your bank account.
• This service works 24×7.
• If SMS is not received, it can be a server delay or a weekend issue.
• If no SMS is received, your number may not be registered. Visit the branch and update it, or try the next method.

2. Use BOB Netbanking (No Login Required)

If you prefer using a laptop or desktop and the above method does not work for you, you can try it. You don’t even need to log in. In Bank of Baroda, the User ID is your customer ID. Follow the process to retrieve it.

1. Go to the official Net Banking site

Visit www.bankofbaroda.in, click on the “Login” button at the top, And Choose “Bob World Internet (Net Banking) – India”

This option is for regular savings account holders. Tap on it to continue.

3. Click on “Forgot User ID”

Right below the log in fields, you’ll see the Forgot User ID link. Click that if you can’t remember your Customer ID.

4. Enter your account details

You will need to enter your full account number and either your mobile number or email ID registered with the bank.

5. Verify with OTP and receive your ID

You will get a 6-digit one-time password (OTP pin) on your bank-linked mobile.

6. Get via SMS and Email

After entering it, your Customer ID will be sent to your phone and email ID.

Notes:

• This method is great if you’ve never logged in before.
• This is great, here you don’t need to visit a branch or fill out any form.
• You just need your basic account number and mobile or Email, that’s all.

3. Check ID via the BOB World App

This is another digital method, but it requires logging into the app. You will need your BOB debit card for first-time registration. After that, set a 4-digit mpin to log in and follow the process to find your CIF in the app –

1. Download BOB World from the Play Store or the App Store.
2. Open the app and register using:
   • Your registered SIM
   • Debit card details (last 6 digits & expiry)
3. You will get a 6-digit OTP to verify.
4. Set up your MPIN and TPIN.
5. After login:
   • Go to Dashboard → Tap View All Accounts (here your account balance info is available)
   • Select your account number and name → Tap “>” this symbol for more info → Tap View More Details
   • Scroll down to find your Customer ID

4. Check Your Physical Documents

If this online method does not work for you, you feel stuck in these techy steps. Then, good old paperwork can help. Check your received documents, such as –

• Welcome Letter: If you have completed partial KYC (online or offline), you would have received this single-page welcome letter just after completing half of KYC.
• Welcome Kit: Given after full KYC (via branch visit or video call).
• Passbook: First page — look for “Customer ID” or “CIF Number.”
• Chequebook: Some versions have the Customer ID printed inside.
• BOB mPassbook App: If you use it, log in and tap on your account → You’ll find the ID.
• Debit/Credit Card Kit: Sometimes printed on the top page.
• Credit Card Statement: Look at the top-right section — Customer ID is listed.

5. Check Monthly BOB E-Statement

If you’ve opted for e-statements, finding your Customer ID is easy.

Follow the steps –

1. Open your email
2. Search for: "Bank of Baroda statement"
3. Open the latest mail and download the PDF
4. Use this password to open it:
   • First 4 letters of your name (lowercase) + your DOB in DDMM
   • Example: Rajesh, DOB: 12 April → Password: raje1204
5. Once open, look at the top — your Customer ID will be there

Note:

If you’ve never received e-statements, you can request a physical one.

As per BOB’s official site, a duplicate statement/passbook costs ₹75 and shows the latest balance and Customer ID. It is sent to your registered address via India Post.

6. Call Customer Care or Visit the Branch

Still, failed to find. Don’t worry — BOB support is reliable. You can make a call to their bank executive here –

Toll-Free Numbers:

• 1800 5700
• 1800 5000

International:

• +91 79-66296009

Also, you can try the email ID option, simply send an Email to the bank for support here – customercare@bankofbaroda.com

Last but not least, just walk into your nearest or home BOB branch and:

• Ask for an updated passbook
• Request a printout with your CIF/Customer ID

All they need is your account number and ID proof.

FAQs

Your Customer ID is like your bank identity card — it unlocks almost everything from net banking to mobile services. Try these methods, and let me know in the comments which method worked best for you!

If you liked this guide, share it with friends or family who bank with BOB. Also, check out our full guide on how to retrieve Customer IDs for all major Indian banks.

Disclaimer: This article or guide is for informational purposes only. Please verify details with your BOB official sources before making decisions.