March 27, 2026

Bank of India Mobile Banking: Activation & Login Guide

Mobile banking in India gained popularity with the launch of ICICI Bank’s ‘iMobile’ app in 2008. According to a National Informatics Centre (NIC) report, the rapid increase in internet users has triggered the rise of mobile wallet users in India, and in 2025, it reportedly reached 900 million.
Smartphones are penetrating deeper across the country, with approximately 85.5% of households possessing at least one smartphone as of March 2026, as per PIB data. The mobile phone has become a bank, a classroom, and a gateway to public services. The number of wireless telephone subscribers reached 125.87 crore at the end of December 2025, says PIB.
The unparalleled rise in digital transactions is a significant milestone in India’s journey towards becoming a cashless society.
At the forefront of the digital payment revolution are UPI transactions — the primary driver of mobile banking — with a record volume of 16.73 billion transactions worth ₹ 23.25 trillion in December 2024, according to data released by the National Payments Corporation of India (NPCI). For the entire year, UPI performed approximately 172 billion transactions, a 46% rise from the 118 billion transactions processed in 2023. The total transaction value for 2024 surged by 35%, rising to Rs 247 trillion from Rs 183 trillion in 2023.
The momentum continued in 2026, with UPI handling 21.70 billion transactions worth ₹28.33 lakh crore in January alone, stated PIB data. This shift is highlighted in the Reserve Bank of India's (RBI’s) 2025 report, which indicates that digital payments accounted for 99.8% of total transaction volume and 97.7% of the total payment transaction value in the Indian economy in the first 6 months of 2025.
 

Key Takeaways

  • BOI Mobile is Bank of India’s official mobile banking app for retail customers.
  • Users can transfer funds, pay bills, and manage deposits directly through the app.
  • Its registration requires a registered mobile number and debit card for verification.
  • The platform supports IMPS, NEFT, RTGS, and UPI payments.
  • Mobile banking operates under RBI regulatory guidelines and security standards.
 

Bank of India (BOI) Mobile Banking: How It Started

Since its founding in 1906, Bank of India (BOI) has significantly advanced its banking infrastructure. It strengthened its digital footprint with the launch of its "BOI Mobile" application in August 2018.
The official mobile banking platform, BOI Mobile, allows customers to perform everyday banking from anywhere securely. They can access accounts, transfer funds, and manage deposits without logging into internet banking or visiting a branch.
This article is a ball-by-ball guide to Bank of India mobile banking. It will explain to you how to activate it, how registration works, and how to log in to the BOI Mobile app. This article is also a handbook of its key features and security framework.
 

What Is Bank of India Mobile Banking?

BOI offers a basket of digital banking services to its customers. Mobile banking is one of them. Customers can access their accounts and perform transactions through a smartphone application.
The bank’s official app is called BOI Mobile Omni Neo Bank App. You can manage your account, transfer funds, and pay bills conveniently from anywhere.
Once registered, users can avail most of the bank’s services directly through the app. You can ditch the branch visit to manage your routine banking needs like fund transfers, even between participating banks in India, and account statements instantly from home. The platform integrates with payment systems such as UPI, which makes banking a seamless experience.
The Regulatory Protection
BoI's mobile banking operations are primarily governed by the Reserve Bank of India (RBI) under the Payment and Settlement Systems Act, 2007. The central banking authority mandates binding standards for security, transaction limits, and customer protection.
Since its launch in 2016, UPI-based transactions have been regulated by the National Payments Corporation of India (NPCI), and the BOI app is no exception. This ensures interoperability and real-time settlement across the digital payment ecosystem.
 

Types of Bank of India Mobile Banking

BoI offers mobile banking services through a variety of digital channels. You can select the option that best suits your purpose.

1. BOI Mobile App

The primary one is the BOI Mobile application, available on Android and iOS devices. You can perform most banking services directly from your smartphone.

2. UPI-Based Banking

For this, you need to link your BoI account to UPI platforms, which facilitates instant payments and transfers using a virtual payment address (UPI ID).

3. WhatsApp Banking

BOI also offers WhatsApp banking services. You can get certain banking information and avail of services through the WhatsApp messaging platform.

4. SMS-Based Mobile Banking

Customers with feature phones can perform basic banking services such as balance enquiry or mini statements through SMS banking.
Multiple channels serve customers with different digital preferences in accessing mobile banking services.
 

Benefits of Bank of India Mobile Banking

Bank of India mobile banking is designed to simplify your routine banking needs so that you can skip the queues at your bank branch. For customers who prefer digital banking, the mobile platform is the 24/7 branch. Its advantages include:

1. Banking Anytime, Anywhere

You can access your bank account round the clock through your smartphone. Visiting a bank branch or an ATM is a thing of the past as mobile banking helps you check your balance, track transactions, and manage deposits.

2. Instant Fund Transfers

The BOI Mobile app supports multiple digital payment systems such as IMPS, NEFT, RTGS, and UPI.

3. Easy Bill Payments and Recharges

You can even manage recurring payments from a single platform, including paying your utility bills.

4. Faster Account Monitoring

The app gives you quick access to account balances, mini statements, and detailed transaction history. This makes it easier to track spending and detect suspicious login attempts instantly.

5. Deposit and Card Management

You can even open or manage fixed deposits (FDs) and recurring deposits (RDs), block or unblock debit cards, and manage card settings directly through the app.
BOI mobile banking app is a boon for the digitally savvy, making financial management quicker and more convenient.
 

BOI Mobile App: Key Features

The BOI Mobile app functions as a full-service digital platform. A single interface gives you access to several financial tools.
Key features include:
  • Account access: View account balances, mini statements, and transaction history.
  • Fund transfers: Send money using IMPS, NEFT, RTGS, and UPI.
  • Bill payments: Pay electricity, mobile, gas, or DTH bills.
  • Deposit management: Open or renew fixed deposits (FDs) and recurring deposits (RDs).
  • Debit card management: Block or unblock cards and manage card limits.
  • mPassbook access: Download digital account statements.
  • ATM and branch locator: Locate bank branches and ATMs nearby.
 

How to Activate Bank of India Mobile Banking

Customers must activate mobile banking for their account to use the BOI Mobile app.

Steps to activate BOI mobile banking

  1. Ensure your mobile number is registered with your BOI account.
  2. Download the BOI Mobile app from the official app store.
  3. Open the app and select New User Registration.
  4. Complete mobile number verification through SMS.
  5. Create a User ID and MPIN.
  6. Enter debit card details if required for authentication.
  7. Verify the process using OTP.
The mobile banking service becomes operational only after it’s activated.
 

How to Register for BOI Mobile Banking

The registration process involves setting up login credentials and you can start using mobile banking services.
Below is a step-by-step guide based on the onboarding flow described for the BOI Mobile platform.
Step 1: Download the BOI Mobile application from the Google Play Store or Apple App Store.
Step 2: Open the app, read the welcome message displayed on the screen, and tap “Next.”
Step 3: On the redirected page, tap “Proceed.”
Step 4: Select the SIM card linked to your Bank of India account to start mobile number verification.
Step 5: An SMS verification message will be sent automatically from your device to authenticate the registered mobile number.
Step 6: Confirm that the mobile number displayed is correct and linked to your bank account, then tap “Proceed.”
Step 7: Read the terms and conditions for creating a user ID, then create a unique user ID for the BOI Mobile app.
Step 8: Create a 6-digit numeric PIN, which will be used along with the user ID to log in to the application. Tap “Submit.”
Step 9: Choose the type of mobile banking access you want:
  • View Only – allows you to check balances and transaction details.
  • Funds Transfer – allows you to perform financial transactions such as transfers and bill payments.
Step 10: If you select the View Only facility, choose your Customer ID from the drop-down list shown on the screen.
Step 11: Enter your debit card details as requested and tap “Submit.”
Step 12: Enter the OTP (One-Time Password) sent to your registered mobile number and tap “Verify.”
Step 13: Create and enter a transaction password for performing financial transactions, then tap “Submit.”
Step 14: Once the process is completed successfully, you can sign in to the BOI Mobile app and begin using mobile banking services.
 

How to Login to the BOI Mobile App

Once registered, customers can access mobile banking services through the BOI Mobile app.**

Login steps

  1. Open the BOI Mobile app
  2. Enter your User ID
  3. Enter the MPIN
  4. Tap Login
Some devices also support biometric authentication, which makes login faster, using fingerprint or facial recognition.
 

mPassbook in BOI Mobile Banking

mPassbook is the digital version of the traditional bank passbook. Instead of updating a physical passbook at a branch, you can view your account transactions directly in the BOI Mobile app.
Key functions of mPassbook include:
  • Viewing complete transaction history
  • Checking debit and credit entries
  • Downloading account statements
  • Monitoring spending patterns
  • Accessing records without visiting a branch
With this feature, you can track financial activity efficiently and seamlessly, and maintain your banking transaction records digitally.
 

Bank of India WhatsApp Banking

As the name suggests, BoI’s WhatsApp banking helps customers access certain banking services through the WhatsApp messaging platform.
Through this feature, customers can perform the following actions:
  • Check account balances
  • View mini statements
  • Access information about banking services
  • Receive updates on banking products
To activate WhatsApp banking, customers must send a message to the bank’s official WhatsApp banking number and complete verification steps.
A key advantage of this service is that you can get quick access to banking information without installing additional applications.
 

Transaction Limits for BOI Mobile Banking

Transaction limits may vary depending on the type of transfer.
Typical limits include:
Transaction TypeTypical Limit
IMPSUp to ₹2 lakh
UPIUp to ₹1 lakh per day
NEFT / RTGSPer Transaction: ₹2 lakh Per Day: Up to ₹10 lakh (may vary by account type)
These limits may change according to the bank’s policies and regulatory guidelines.
 

Regulatory Authority and Security Framework

Mobile banking services in India come under RBI’s regulatory radar, which establishes guidelines for digital banking and payment systems.
To comply with these regulations, banks implement security mechanisms such as:
  • Two-factor authentication
  • OTP-based verification
  • Encrypted transactions
  • MPIN-based login
  • Automatic session logout
 

Limitations of Mobile Banking

Mobile banking offers convenience, but one cannot undermine its limitations.

Internet Dependence

Mobile banking services require a stable internet connection.

Cybersecurity Risks

You may face phishing attacks, which are becoming rampant by the day. Do not access suspicious links or share banking credentials.

Technical Issues

Occasionally, apps may experience downtime due to server maintenance or updates.
Stay cautious and informed while using mobile banking to cut the likelihood of such risks.
 

Tips for Safe Mobile Banking

To use mobile banking safely, customers should follow basic precautions:
  • Use strong passwords or MPINs.
  • Avoid accessing banking apps on public Wi-Fi.
  • Download apps only from official app stores.
  • Never share OTPs or login credentials.
  • Monitor account transactions regularly.
These precautions create a safety net beyond the bank’s digital safeguards.
 

Customer Support for BOI Mobile Banking

Contact Bank of India customer care if you face issues with the bank’s mobile app.
The toll-free numbers are:
1800 103 1906
1800 22 0229
You may also visit the nearest branch for assistance.
 

BOI Mobile Banking vs Other Banking Apps

Most major Indian banks now offer full-service mobile banking platforms.
Examples include:
BankMobile Banking App
Bank of IndiaBOI Mobile
State Bank of IndiaYONO
Canara BankCanara ai1
Apps such as YONO by SBI offer integrated banking, payments, and financial services through a single digital platform. The BOI Mobile app offers similar capabilities focused primarily on banking transactions, payments, and account management.
 

Final Thought

BoI mobile banking gives you the opportunity to perform essential banking tasks quickly and securely through your smartphone. Backed by RBI-regulated digital payment systems and secure authentication methods, the BOI mobile app offers a reliable solution for customers to manage their finances digitally.
 

FAQs

What is the Bank of India mobile banking app?
The official Bank of India mobile banking application is called BOI Mobile, which allows customers to access banking services, transfer funds, and manage accounts using a smartphone.
How do I activate BOI mobile banking?
Download the BOI Mobile app, verify your registered mobile number, create a user ID and MPIN, and complete authentication using debit card details and OTP.
Can I transfer money through the BOI Mobile app?
Yes. The app supports fund transfers through IMPS, NEFT, RTGS, and UPI, allowing both instant and scheduled transactions.
What is the daily limit for BOI mobile banking transactions?
Limits vary by transaction type, but typical limits include ₹2 lakh for IMPS and ₹1 lakh for UPI transactions per day, depending on bank policies.
Is BOI mobile banking safe to use?
Yes. BOI mobile banking uses OTP verification, MPIN login, and encryption, and operates under digital banking security guidelines issued by the RBI.

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