Baroda M-Connect plus (Mobile Banking)

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BGGB Connect

Features & Benefits
  • User friendly interface with touch screen UI support.
  • Easy to register, download and start using BGGB-M-Connect.
  • Secure way of transacting banking business.
  • Access your Bank account 24×7×365 on your mobile.
  • Enquire your account balance and view mini statement.
  • Transfer funds between your accounts of BGGB.
  • Transfer funds to third party accounts held with BGGB.
  • Transfer funds to any other Banks.
  • Transaction History
  • Cheque Stop Payment facility
  • Cheque status enquiry
  • BGGB Branches Location
  • Loan calculator
  • Mobile Recharge, Bill payments etc.
How to Register & Active App

Mobile Banking Application to fulfill all your banking needs, while you are on the move. It is convenient and hassle-free way, anytime and anywhere. Follow the steps below to register:

  • To register for Mobile Banking, you need to be registered your Mobile Number with bank.
  • Submit the Mobile Banking application form. (Download)
  • You will received mPin on your registered Mobile
  • Download BGGB Mconnect App from Google Play Store
  • Enter your register mobile no
  • you will recevied OTP for first time so can set your own login ID for the Mobile Banking app.
  • Change the MPIN
  • Done ! Now Bank is on your hand


Is the new app available for all types of mobile phones?

No, it is currently available only for android phones. It will be available shortly on all other platforms.


How to download the new app from Google play store?

Please type ‘BGGB’; you can see the app named ‘BGGB MConnect’.


From where can I register for Mobile banking app?

From your base branch (Refer ‘How to Register & Activate’section at Mobile Banking home page on our Bank’s website)


My account is debited but Beneficiary’s account is not credited?

Please contact your base branch.

Privacy Policy

'BGGB Mconnect' is mobile banking application of BGGB. This Application collects some Personal Data (including account related information) from its Users. Following data is accessed for the following purposes and using the following services:

Data / Information Purpose Service
Bank account information View account information and account debit authority Mobile banking service
Phone book contacts Fetch mobile number from the phone's contact list Mobile recharge
Passwords (Default password provided by the system and password created by the user) Mobile banking login / transactions. (application password is stored at handset level, mPIN is stored at server in encrypted form) Mobile banking service

Methods of Data processing:

Data is controlled and processed in house by the bank. The in house Data centre processes the data of Users in a proper manner and appropriate security measures are taken to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data. The Data processing is carried out using computers and / or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Data centre, in some cases, the Data may be accessible to bank officials, involved with the operation of the service (administration, sales, marketing, legal, system administration) or external parties (such as vendors, third party technical service providers, mail & SMS carriers) appointed, if necessary, as Data Processors by the business Owner. The updated list of these parties may be requested from the business owner at any time.

Place of data processing:

The Data is processed at the bank‟s Data centre and in any other places where the parties involved with the processing are located.

Retention time:

The Data is kept for the time necessary to provide the mobile banking service, as requested by the User.

Legal action:

The User's Personal Data may be used for legal purposes by the bank, in Court or in the stages leading to possible legal action arising from improper use of this application or the related services. The User is aware of the fact that the Data Controller may be required to reveal personal data upon request of public authorities.

Additional information about User's Personal Data:

In addition to the information contained in this privacy policy, this Application may provide the User with additional information concerning particular services or the collection and processing of Personal Data upon request.

System Logs and Maintenance:

For operation and maintenance purposes, this Application and any third party services may collect files that record interaction with this Application (System Logs).

Information not contained in this policy:

More details concerning the collection or processing of Personal Data may be requested from the bank at any time. Please see the contact information at the beginning of this document.

The rights of Users:

Users have the right, at any time, to know whether their Personal Data has been stored and can consult the bank to learn about their contents and origin, to verify their accuracy or to ask for them to be supplemented, cancelled, updated or corrected, or for their transformation into anonymous format or to block any data held in violation of the law, as well as to oppose their treatment for any and all legitimate reasons. Requests should be sent to the bank at the contact information set out above. This Application does not support “Do Not Track” requests. To determine whether any of the third party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Changes to this privacy policy:

The bank reserves the right to make changes to this privacy policy at any time by giving notice to its Users on this page. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom. If a User objects to any of the changes to the Policy, the User must cease using this Application and can request that the bank to erase the Personal Data. Unless stated otherwise, the then-current privacy policy applies to all Personal Data the bank has about Users.

Definitions and legal references

Personal Data (or Data):

Any information regarding a natural person, a legal person, an institution or an association, which is, or can be, identified, even indirectly, by reference to any other information, including a personal identification number.

Usage Data:

Information collected automatically from this Application (or third party services employed in this Application ), which can include: the mobile number and SIM serial number of the Users who use this Application, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the features of the browser and the operating system utilized by the User, the various time details per visit (e.g., the time spent on each page within the Application) and the details about the path followed within the Application with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the User's IT environment.


The individual (registered customer) using this Application, which must coincide with or be authorized by the bank Subject, to whom the Personal Data refer.

Data Subject:

The legal or natural person to whom the Personal Data refers to Data Processor (or Data Supervisor) The natural person, legal person, public administration or any other body, association or organization authorized by the bank to process the Personal Data in compliance with this privacy policy.

Bank (or Owner):

BGGB is the Owner of this Application.

This Application:

The hardware or software tool by which the Personal Data of the User is collected.


Small piece of data stored in the User's device.

Terms & Conditions

Terms and Conditions for Mobile Banking Services (BGGB Mconnect)

Definitions: Following words and expressions shall have the corresponding meanings –
Expressions Meaning
Account Any account at the Bank which has been registered for use via BGGB Mconnect
Customer A person above the age of 15 years who hold an account in BGGB
mPIN Personal Identification Number (password) for the Mobile Banking facility.
Application Password shall mean the Personal Identification Number for opening the Mobile Banking facility in the mobile phone.
BGGB Mconnect shall mean Mobile Banking Services for the sake of brevity
USSD Unstructured Supplementary Service Data
WAP Wireless Application Protocol.
Bank shall mean BGGB
Facility Mobile Banking facility provided to the customers
Mobile Phone number Mobile number that has been given by the customer to register for the Facility.
Application Bank’s Mobile Banking application activated through Bank’s ATM or from internet banking or from the Base branch where the customer holds his account.
Base Branch Branch where the customer has his primary account
WAP Shall mean Wireless Application Protocol.

Applicability of Terms and Conditions

By using BGGB Mconnect, the Customer thereby agrees to these Terms and Conditions, which form the contract between the Customer and Bank. M-Connect of the Bank shall be governed by such terms and conditions as amended by the Bank from time to time. These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any account of the Customer and/or the respective product or the service provided by the Bank unless otherwise specifically stated.

General Business Rules Governing BGGB Mconnect

The following Business rules will apply to the facility being offered by the Bank:

i) The Facility will be available to customers having a satisfactory running Savings/Current/ Over Draft account with the Bank.

ii) Upper Limit for transactions: The per transaction upper ceiling per customer shall be Rs.50,000 for fund transfer and per day upper limit shall be 2,00,000. when the service is used over the application.

iii) Entering wrong mPIN thrice will block the facility for the day and two such consecutive blockages will de-activate the facility. Then customer would be required to re-register for the facility as per the procedure laid down for the same.

iv) Any change in the business rules of any of the processes will be notified on Bank’s website, which will be construed as sufficient notice to the customer.

v) Eligibility:

Account Type Mode of Operation Rights
Savings (SB) Including zero balance accounts Self, E (or) S View +Transaction (Debit, Credit)
Current (CA) Self, Sole proprietorship Self View +Transaction (Debit, Credit)
Overdraft (OD) [General, OD against own deposits(FD/RD), OD against LIC / NSC / KVP, staff OD] Self View +Transaction (Debit, Credit)
Cash Credit (CC) Self View + Credit
Term Deposits
a. Fixed Deposit (FD)
b. Recurring Deposit (RD)
Self, E (or) S View only
Loan (LAA) View + Credit
Public provident fund (PPF) View + Credit

vi) Accounts where mode of operation is “joint” as also accounts in the name of minor below the age of 15 years or where minor is a joint account holder are not eligible for Baroda M-Connect.

vii) Bank reserves the right to reject a Customer’s application for M-Connect without assigning any reasons.

viii) Bank shall suspend the registration of any Customer if the facility has not been accessed by the Customer for three months or more.

ix) If the facility has not been accessed for six months or more, the registration of the Customer will be cancelled.

x) Customer can request for termination of the facility by De- Registering through Bank’s ATM / Base branch / Internet Banking of the primary account enabled for Baroda M-Connect. The Customer shall remain accountable for all the transactions on the designated account made prior to confirmation of any such cancellation request.

xi) It shall be the Bank’s endeavor to give a reasonable notice for withdrawal or termination of the facility, but the Bank may at its discretion withdraw temporarily or terminate the facility, either wholly or partially, anytime without giving prior notice to the Customer.

xii) The facility may be suspended for any maintenance or repair work for any breakdown in the Hardware/ Software for Baroda M-Connect+ or any emergency or security reasons without prior notice and bank shall not be responsible if such an action has to be taken for reasons of security or emergency.

xiii) The services offered under the facility will be automatically terminated if the primary account linked for the Mobile Banking Services is closed.

xiv) The Bank may also terminate or suspend the services under the facility without prior notice if the Customer has violated the terms and conditions laid down by the Bank or on the death of the Customer when brought to the notice of the Bank or when prohibited by law or an order by a court or Authority.

Usage of Facility:

By accepting the terms and conditions on the mobile phone while registering for the facility, the customer:

i) Agrees to use the Baroda M-Connect+ for financial and non-financial transactions offered by the Bank from time to time.

ii) Irrevocably authorizes the Bank to debit the Account which have been enabled for Baroda M-Connect for all transactions / services undertaken using mPIN.

iii) Authorizes the Bank to map the account number, Customer ID and mobile phone number for the smooth operation of Baroda M-Connect+ offered by the Bank and to preserve the mapping record in its own server or server of any third party and to use such data at its discretion for providing/enhancing further banking/ technology products that it may offer.

iv) Agrees that he / she is aware and accepts that facility offered by the Bank will enable him / her to transact using mPIN within the limit prescribed by the Bank and the transaction being bonafide will not be disputed.

v) Agrees that transactions originated using the mobile phone are non retractable as these are instantaneous / real time.

vi) Understands and explicitly agrees that Bank has the absolute and unfettered right to revise the prescribed ceilings from time to time which will be binding upon him/her.

vii) Agrees to use the facility on a mobile phone properly and validly registered in his / her name only with the Mobile Service Provider and undertakes to use the facility only through mobile number which has been given to register for the facility.

viii) Agrees that the Bank is authenticating the Customer by his mobile phone number and mPIN provided by the Customer and that such authentication would be sufficient for protection of the customer transactions. The customer is solely responsible for maintenance of the secrecy and confidentiality of the mPIN without any liability to the Bank. The Bank at its discretion may adopt other authentication of electronic records and the same will be acceptable and binding on the customer.


i) Customer shall be required to acquaint himself/herself with the process for using the facility and that he/she shall be responsible for any error made while using the facility.

ii) Bank reserves the right to decide what services may be offered. Additions/deletions to the services offered under the facility are at its sole discretion.

iii) The instructions of the Customer shall be effected only after authentication under his/her application password and mPIN or through any other mode of verification as may be stipulated at the discretion of the Bank.

iv) While it shall be the endeavor of the Bank to carry out the instructions received from the Customers promptly, it shall not be responsible for the delay / failure in carrying out the instructions due to any reasons whatsoever including failure of operational system or due to any requirement of Law. The Customer expressly authorizes the Bank to access his/her account information required for offering the services under the facility and also to share the information regarding his/ her accounts with the service provider/ third party as may be required to provide the services under the facility.

v) The transactional details will be recorded by the Bank and these records will be regarded as conclusive proof of the authenticity and accuracy of transactions.

vi) Customer hereby authorizes the Bank or its agents to send promotional messages including the products of the Bank, greetings or any other messages the Bank may consider from time to time.

vii) Customer understands that the Bank may send rejection or cannot process the request messages for the service request(s) sent by the Customer which could not be executed for any reason.

viii) Bank shall make all reasonable efforts to ensure that the customer information is kept confidential but shall not be responsible for any inadvertent divulgence or leakage of Customer information for reasons beyond its control or by action of any third party.

ix) Customer expressly authorizes the Bank to carry out all requests/ transactions purporting to have been received from his/ her mobile phone and authenticated with his/ her mPIN. All payment transactions, initiated from the customer’s mobile phone using his/her mPIN, will be treated bonafide expressly authorizing the Bank to make the payment.

x) It is the responsibility of the Customer to advise the Bank of any change in his mobile number or loss/ theft of mobile phone by adopting the procedure laid down by the Bank for the purpose.

xi) Telecom Service provider of the customer may levy charges for each SMS / GPRS and the Bank is not liable for any dispute that may arise between telecom service provider and the Customer.

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