Finding the right branch, checking account requirements, or sending money to India can become confusing when banking information sits across different pages. Bank of Baroda has a long-established UAE operation serving individual customers, businesses, and NRIs, with branches, EBSUs, ATMs, digital banking,g and remittance services. This page brings the key information together, including branches, timings, account opening, charges, SWIFT details, NRI banking and customer support.
Bank of Baroda UAE at a Glance
Bank of Baroda operates a banking network in the UAE with branches and smaller EBSU service units. Its UAE services cover personal and business banking, loans, remittances, foreign exchange, digital banking and specialist NRI services.
The bank’s current UAE information lists five main branches in Dubai, Abu Dhabi, Deira, Sharjah and Ras Al Khaimah, supported by EBSU locations in several commercial areas. The official branch directory should remain the first reference before visiting because branch locations and operating arrangements can change.
For customers who mainly deal with India, the UAE operation also provides NRI-focused services, including NRE and NRO accounts, FCNR deposits and money-transfer facilities.
Bank of Baroda UAE Branches and Locations
The main branches cover several of the UAE’s major business and residential centres. The bank also operates EBSUs for customers who need selected banking services closer to their area.
Dubai Branch
The Dubai main branch is one of the bank’s principal UAE locations and also supports NRI-related banking services.
Phone: +971 4 313 6681
Customers visiting for account-related work should check the current branch details before travelling, particularly if they need a specific service or department.
Abu Dhabi Branch
The Abu Dhabi branch serves customers in the capital and provides personal and business banking services.
Phone: +971 2 632 2000
Customers in Mussafah and Shabiya can also find EBSU locations, which may be more convenient for routine banking requirements.
Deira Branch
The Deira operation serves customers in the older commercial part of Dubai.
Phone: +971 4 260 0900
The bank has published information concerning the relocation of its Deira branch, so customers should verify the current address through the official branch directory before visiting.
Sharjah Branch
The Sharjah branch serves customers in the emirate and is supported by EBSU locations including National Paints and Hamriya Free Zone.
Phone: +971 6 503 7918
Ras Al Khaimah Branch
The Ras Al Khaimah branch serves customers in the emirate.
Phone: +971 7 226 9377
The bank also lists an EBSU in the Al Rafah area of Ras Al Khaimah.
Bank of Baroda UAE EBSU Locations
EBSU stands for Extended Banking Service Unit. These locations give customers access to selected banking services without needing to visit one of the main branches.
The UAE network includes EBSUs in locations such as:
- Bur Dubai
- Sheikh Zayed Road
- Mussafah
- Shabiya
- DMCC
- Al Qusais
- National Paints, Sharjah
- Hamriya Free Zone, Sharjah
- RAKIA, Ras Al Khaimah
The exact services available can differ by location, so customers should confirm before visiting.
Bank of Baroda UAE Branch Timings
Branch timings can vary by location and banking service. Public holidays, Ramadan schedules, and other UAE-specific arrangements can also affect operating hours.
For this reason, avoid relying on an old third-party listing when planning a branch visit. Check the current branch information or contact the bank directly before travelling.
This becomes particularly important for customers visiting a branch for account opening, NRI documentation, loan applications, or other services that may require a particular department.
Bank of Baroda UAE Customer Care Number
The UAE customer-care service is available 24 hours a day.
The official UAE contact information includes:
- 800-BARODA
- +971 4 313 6666
- +971 4 313 6600
- Email: enquire@bankofbaroda.com
Customers can use the service for general enquiries and debit-card blocking.
If your card is lost or stolen, contacting the bank promptly is more important than waiting for a branch to open.
What Services Does Bank of Baroda UAE Offer?
The UAE operation covers more than basic savings and current accounts. Its services include:
- Savings and current accounts
- NRI banking
- NRE and NRO accounts
- FCNR-related services
- Money transfers to India
- Internet and mobile banking
- Car and property-related loans
- Business and corporate banking
- Foreign exchange and treasury services
- Safe deposit lockers
- ATM services
The exact eligibility, documentation, limits, and charges depend on the product and customer category.
Bank of Baroda UAE Account Opening
Customers can apply for eligible personal banking products through the bank’s UAE channels or visit a branch or EBSU.
For a standard individual account, the bank’s published requirements include an account-opening form, passport and relevant visa pages, Emirates ID, and photographs. Depending on the account and employment situation, the bank may also request a labour contract, sponsor NO, C, or tenancy/Ejari documentation.
The bank’s UAE account information also states that customers can initiate an application online and receive assistance from a bank representative.
Documents Usually Required
Depending on the account, applicants may need:
- Passport
- UAE residence visa
- Emirates ID
- Passport-size photographs
- Salary or employment documentation where applicable
- Sponsor NOC where applicable
- Tenancy or Ejari documentation where required
- Completed account-opening forms
The bank can request additional documents to complete its KYC and compliance checks.
Bank of Baroda UAE Savings Account
Savings accounts are available for eligible individual customers, with different products carrying different balance requirements and benefits.
The important point is that there is no single minimum-balance figure that applies to every savings account. The requirement depends on the specific product.
For example, the bank’s published UAE service-charge schedule has listed different minimum balances for different savings products, while some products have carried zero minimum-balance requirements. Because that schedule is dated 3 April 2024, customers should confirm the latest applicable tariff before relying on any specific amount.
Bank of Baroda UAE Current Account
Current accounts are designed for customers who need regular transaction and cheque facilities.
The bank’s UAE individual current-account information states that eligible resident individuals can apply, subject to the account’s conditions and documentation. Joint accounts are also permitted under the bank’s stated rules. Cheque-book facilities may depend on satisfactory credit and compliance checks.
A current account can make more sense for customers who regularly receive salaries, make payments,nts or conduct business-related transactions, but the appropriate account depends on the customer’s circumstances.
Bank of Baroda UAE Minimum Balance
The minimum balance depends on the account type.
There is no universal Bank of Baroda UAE minimum balance that applies to every account. The bank’s published tariff has shown different requirements for general savings, non-resident savings, current accounts,unts and selected salary or zero-balance products.
Customers should check the latest product terms and tariff before opening an account because charges and balance requirements can change.
Bank of Baroda UAE Charges
The bank’s published UAE schedule includes charges for services such as:
- Certain fund transfers
- Banker cheques and demand drafts
- Replacement debit cards
- Use of other-bank ATMs
- International ATM transactions
- Foreign transfers
- Selected account-maintenance or minimum-balance charges
However, the publicly available schedule referenced for these figures is effective from 3 April 2024. It should therefore be treated as a published reference rather than a guaranteed current 2026 tariff. For an exact charge, check the latest Bank of Baroda UAE tariff before making the transaction.
Bank of Baroda UAE SWIFT Code
The SWIFT/BIC code depends on the particular banking entity or branch involved in the transfer.
For the UAE Treasury operation, Bank of Baroda publishes the BIC:
BARBAEADXXX
Customers arranging an international transfer should not automatically use a code found on a third-party website. Ask the receiving branch or the bank handling the transfer to confirm the correct SWIFT/BIC and beneficiary details for the transaction.
For transfers involving Bank of Baroda in India, the required SWIFT information can be different. The bank’s NRI remittance information provides separate instructions for international transfers to India.
Bank of Baroda UAE IBAN
An IBAN identifies a specific bank account for electronic payments and transfers.
For a transfer to a Bank of Baroda UAE account, use the recipient’s actual UAE IBAN rather than trying to construct one from the bank’s name or SWIFT code.
If someone asks you for your Bank of Baroda UAE IBAN, provide the IBAN shown for your own account or obtain it directly from the bank.
How to Send Money From UAE to India Through Bank of Baroda
Bank of Baroda provides several channels for transferring money from the UAE to India. Customers can use the bank’s remittance services through applicable branches, EBSUs, internet banking, mobile banking, and ATM-based services. The bank also provides Rapid Funds2India for transfers to India.
The transfer process generally requires accurate sender and beneficiary information. The bank may also request information about the purpose and source of funds depending on the transaction. For customers sending money frequently, digital remittance can reduce the need to visit a branch for every transfer.
What Information Is Needed for Remittance?
A money transfer normally requires the beneficiary’s correct banking details and information about the sender. Depending on the amount and transaction, the bank may request supporting documents for compliance purposes.
For an international SWIFT transfer to India, Bank of Baroda’s instructions include beneficiary account details, the receiving branch’s SWIFT information, and the purpose of the remittance.
Always double-check the beneficiary account number before confirming a transfer because incorrect account details can delay processing or require additional intervention.
Bank of Baroda UAE Exchange Rate for India Transfers
The AED-to-INR exchange rate can change throughout the market day. The amount received in India therefore depends on the applicable exchange rate and the transfer charges at the time the transaction is processed. Customers should check the rate offered for their specific transfer instead of relying on an old conversion figure.
For larger transfers, comparing the quoted exchange rate and total fees can help you understand the actual amount that will reach the beneficiary.
Bank of Baroda UAE NRI Banking
NRI banking is a major part of the bank’s UAE operation.
Services include NRE and NRO accounts, FCNR-related products, remittance facilities, and other services designed for Indians living and working outside India.
The bank also operates an NRI-focused service structure in the UAE, including specialist assistance for customers dealing with India-related banking requirements.
NRE and NRO Accounts With Bank of Baroda
An NRE account is designed for eligible NRIs and allows funds, including interest under the applicable rules, to be repatriated. Bank of Baroda states that NRE accounts can receive qualifying foreign remittances through normal banking channels.
An NRO account is generally used for managing income and legitimate rupee dues in India. Bank of Baroda states that the principal in an NRO account is non-repatriable, while interest is repatriable subject to applicable tax and regulatory requirements.
The right account depends on where the money comes from, how you intend to use it, nd the applicable RBI and tax rules.
Can NRIs Open an Account Through Bank of Baroda UAE?
Yes. Bank of Baroda’s UAE territory supports NRI account opening, including NRE/NRO services.
The bank also announced that its UAE territory branches enabled NRE/NRO account opening through Tab Banking, giving eligible NRIs another account-opening channel. Applicants still need to meet the bank’s KYC and documentation requirements.
Bank of Baroda UAE NRI Customer Care
NRI customers can contact the bank through the UAE branch network and dedicated NRI channels.
The bank’s NRI service information provides specialist contact options for customers seeking assistance with NRE/NRO accounts, remittances, and other NRI-related services.
For a specific account or transaction, contacting the branch where the account is maintained can also help resolve documentation questions faster.
Bank of Baroda UAE Loans
The UAE operation provides lending products for eligible customers, including vehicle and property-related financing. Eligibility depends on factors such as income, employment, residency, credit assessment, documentation,n and the specific loan product. Customers should request the current interest rate, processing fee, early-settlement terms and eligibility criteria before submitting an application.
Bank of Baroda UAE Car Loan
Car finance is among the personal banking services associated with the UAE operation. The exact financing amount, repayment period, od and eligibility depend on the customer’s circumstances and the bank’s current lending policy.
Property and Home Finance
Bank of Baroda also provides property-related lending services through its personal banking operation. Applicants should confirm the current requirements directly with the bank because property finance can involve additional documentation, valuation, and eligibility checks.
Bank of Baroda UAE Digital Banking
Customers can use digital banking facilities for eligible account services and transactions. Bank of Baroda also provides mobile and internet banking, while its wider digital banking ecosystem includes services such as account information and transaction-related functions.
For NRI customers, the bank continues to expand digital account-opening and service options. Its current materials specifically mention UAE territory branches supporting NRE/NRO account opening through Tab Banking.
Bank of Baroda UAE ATM Services
ATMs provide customers with access to routine cash and account services without requiring a branch visit. The UAE operation has an ATM network alongside its branches and EBSUs. Customers should check the applicable fee before using another bank’s ATM, particularly for international transactions.
If your debit card is lost or stolen, contact customer support immediately to request card blocking.
Bank of Baroda UAE Safe Deposit Lockers
Safe deposit lockers are among the services listed by Bank of Baroda’s UAE personal banking operation. Availability depends on the branch and locker capacity. Customers interested in a locker should contact the relevant branch to confirm availability, size options, rental charges,rges and eligibility.
How to Find the Nearest Bank of Baroda UAE Branch
The easiest option is to use the bank’s official branch directory rather than relying on an old map listing. Search for your emirate or area, check whether the location is a full branch or EBSU, and confirm the phone number before visiting.
This is especially useful in Dubai because the bank has published a notice concerning the relocation of its Deira branch.
Bank of Baroda UAE for Indian Customers
Indian customers in the UAE can use the bank for both local UAE banking and India-related financial requirements. Common needs include salary accounts, remittances to India, NRE/NRO accounts, foreign-currency deposits,osits and access to India-focused banking services. The bank’s NRI offering also includes products such as FCNR deposits and other NRI-specific accounts.
Bank of Baroda UAE for Businesses
The bank’s UAE operation also serves business and corporate customers.
Business banking can include current accounts, trade-related services, finance and treasury products. Requirements vary considerably depending on the company’s legal structure, turnover, ownership, and banking needs.
Businesses should speak directly with the relevant branch or corporate-banking team before preparing their application because company documentation differs from individual account requirements.
Bank of Baroda UAE Treasury and Foreign Exchange
Treasury services support foreign-exchange and related banking requirements.
The UAE Treasury operation publishes its own contact and BIC information, including BARBAEADXXX as its published BIC. Customers arranging an international transaction should confirm whether this is the correct code for their particular transfer rather than assuming the Treasury BIC applies to every payment.
Final Takeaway
Bank of Baroda’s UAE operation serves several different banking needs, from everyday personal accounts to NRI banking, remittances, lending and business services. The main branch network covers Dubai, Abu Dhabi, Deira, Sharjah and Ras Al Khaimah, with additional EBSUs in commercial areas across the country.
For routine questions, the 24/7 customer-care service can save a branch visit. For account opening, NRI documentation, international transfers, or loan applications, however, it is better to confirm the current requirements directly with the bank before preparing documents or travelling to a branch.
Banking charges, branch arrangements and product conditions can change, so current official information should take priority over older third-party listings.
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FAQs
Is Bank of Baroda available in the UAE?
Yes. Bank of Baroda operates branches and EBSUs in the UAE, including locations in Dubai, Abu Dhabi, Sharjah and Ras Al Khaimah.
How can I open a Bank of Baroda account in the UAE?
You can apply through the bank’s available UAE account-opening channels or visit a branch/EBSU. You will need to provide the required identification and KYC documents.
What documents are required to open an account?
Usually, you need a passport, UAE visa, Emirates ID, and photographs. The bank may also request employment, salary, sponsor, or tenancy documents depending on the account.
Can I open a Bank of Baroda account online from UAE?
Yes, eligible customers can initiate account opening through the bank’s online channels, and UAE territory branches also support digital NRE/NRO account opening for eligible NRIs.
What is the minimum balance for Bank of Baroda UAE?
It depends on the account type. Different UAE products have different minimum-balance requirements, so check the current tariff for your specific account.
Does Bank of Baroda UAE have a zero-balance account?
Some products may have no minimum-balance requirement. The applicable condition depends on the account type and current product terms.
Where is Bank of Baroda in Dubai?
Bank of Baroda has a main Dubai branch and several EBSU locations. Check the official branch directory for the current address before visiting.
Where is Bank of Baroda in Abu Dhabi?
The main Abu Dhabi branch is supported by EBSU locations such as Mussafah and Shabiya. The main branch phone number is +971 2 632 2000.
Is there a Bank of Baroda branch in Sharjah?
Yes. Bank of Baroda has a Sharjah branch and additional EBSU locations in the emirate.
What is the Bank of Baroda UAE customer care number?
Call 800-BARODA or +971 4 313 6666. The bank also lists +971 4 313 6600 for UAE customer support.
How can I block my Bank of Baroda debit card?
Contact Bank of Baroda UAE customer care immediately and request card blocking. The UAE customer care service operates 24/7.
What is the Bank of Baroda UAE SWIFT code?
The UAE Treasury publishes BARBAEADXXX as its BIC. For a specific international transfer, confirm the correct SWIFT/BIC with the bank handling your transaction.
How can I send money from UAE to India through Bank of Baroda?
You can use an applicable branch, EBSU, internet banking, mobile banking, or Rapid Funds2India services. The exact option depends on your account and transaction.
How long does Bank of Baroda UAE remittance take?
The processing time depends on the destination bank, transfer method, and transaction checks. Transfers to Bank of Baroda’s India network can follow different processing arrangements from transfers to other banks.
Can NRIs open an NRE account through Bank of Baroda UAE?
Yes. Eligible NRIs can open NRE accounts through Bank of Baroda’s NRI services, subject to the bank’s documentation and eligibility requirements.
What is the difference between NRE and NRO accounts?
NRE accounts are generally used for eligible foreign earnings and allow repatriation of funds under applicable rules, while NRO accounts are used mainly for managing Indian rupee income and dues. NRO repatriation and taxation follow specific regulatory conditions.
Does Bank of Baroda UAE offer loans?
Yes. Its UAE personal banking services include vehicle and property-related lending, subject to eligibility and the bank’s current terms.
Does Bank of Baroda UAE have mobile banking?
Yes. Bank of Baroda provides mobile and internet banking services for eligible customers.
