How to Get Your BOB Bank Customer ID in 2025

What Role Does the BOB Customer ID Play in Your Banking Identity?

Every Bank of Baroda customer is assigned a Customer ID, also called a CIF (Customer Information File) number. This isn’t just a reference code — it’s your official digital identity inside BOB’s systems.

So if you have a savings account and a loan account in BOB, you’ll have the same Customer ID for both.

Your 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

According to the BOB Wikipedia Page, the bank touches more than 165 million customers across 17 countries. To handle this large customer baseline, your ID plays the role of your name.

What Makes It Different From Your Account Number?

When you are applying for a loan, accessing mobile banking, or updating your KYC, the bank doesn’t look up your account number first; it looks up you through this customer ID.

Let’s break it down with a simple comparison:

So if you hold 3 different BOB accounts, you’ll still have just one Customer ID.

How to Get Your BOB Customer ID via SMS

To retrieve it, most banks in india asked for your banking details, printed documents, login ID, and passwords, but Bank of Baroda allow multiple official options where you can easily locate your customer ID using your Mobile number via SMS on your phone.

1. Use BOB Netbanking

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.

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.

2. Via the Text SMS Banking

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 for you:

• 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 SMS is not received, your number may not be registered. Visit the branch and update it, or try the next method.

What are the Alternatives to Find Customer ID via BOB Digital Banking

above method does not work, you can try these articles –

1. BOB World App (Already have 4-digit mpin)

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

Who Can Use the BOB World App to Access Their ID?

Anyone who already has the MPIN of the BOB World app, if not, you will need your BOB debit card or branch token for first-time registration. 

Also, a linked mobile number and an active internet pack.

2. Check Monthly BOB E-Statement

If you’ve opted for e-statements, then follow these 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.

When Digital Methods Fail: Use These Offline Options to Find Your ID

Sometimes, the digital methods just don’t work — your SMS doesn’t arrive, the app won’t load or technical errors. Then try these old-school methods –

• 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.
• Debit/Credit Card Kit: Sometimes printed on the top page.
• Credit Card Statement: Look at the top-right section — Customer ID is listed.

And if none of that works?

Don’t stress — Bank of Baroda’s support team is solid.

• Toll-free Active numbers are 1800 5700 and 1800 5000 (India only)
• International: +91 79-66296009
• Just walk into your nearest or home BOB branch and ask for a new passbook with a printed CIF.

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