Bank of India ATM Customer Care Number: Complete, Practical Guide

When an ATM cash withdrawal fails, a card is captured, or a suspicious transaction hits your debit card, quick access to the correct helpline saves time and money. This expert guide compiles Bank of India’s official ATM/debit card customer care numbers, what to keep ready when you call, timelines you can expect under RBI rules, and escalation paths if your issue isn’t resolved.

You’ll also find concrete details such as the RBI-mandated turnaround time (TAT) for failed ATM withdrawals, compensation rules, standard ATM free-usage limits, and where to escalate in writing if needed. Keep this page handy so you can act immediately in an emergency.

Official Bank of India ATM Customer Care Numbers (24×7)

Bank of India operates a 24×7 contact center for debit/ATM card support, including hotlisting (blocking), PIN help, and failed ATM dispute registration. For most customers within India, the toll-free lines are the fastest way to reach an agent or use the IVR self-service options.

If you are calling from outside India or prefer a standard (chargeable) line, use the non-toll number. You can also start support journeys via the official website for card services and grievances at bankofindia.co.in (Customer Support section). Keep your masked card number (last 4 digits), registered mobile number, and recent transaction details ready.

• Toll-free (within India, 24×7): 1800 103 1906
• Alternate toll-free (within India, 24×7): 1800 220 229
• Standard (chargeable; reachable from abroad): +91 22 4091 9191
• Official website: https://bankofindia.co.in (Customer Support → Cards/Grievance)

What to Do in Common ATM Problems

Failed cash withdrawal (cash not dispensed but account debited) is the most frequent complaint. Report it immediately through the toll-free numbers, your branch, or online complaint form. Under RBI’s compensation framework for failed electronic transactions, the bank must resolve such ATM cash withdrawal disputes within a maximum T+5 calendar days (T = date of transaction). If the bank delays beyond T+5, you are entitled to compensation of Rs 100 per day of delay until resolution.

For a card captured by an ATM, block the card at once through the IVR or a live agent and request a replacement. Do not wait to retrieve the captured card from a non-BOI ATM; treat it as compromised. If you suspect skimming, shoulder-surfing, or any fraudulent alerts, immediately hotlist the card and file a fraud dispute. For cyber-fraud assistance, also call the national helpline 1930 and file a complaint at https://cybercrime.gov.in as soon as possible.

How to Raise an ATM Dispute with Bank of India (Step by Step)

You can register disputes via the helpline, your home branch, or the online Grievance Redressal page on bankofindia.co.in. For ATM cash withdrawal failures, lodge the complaint at once—this provides a clear audit trail and ensures you are covered by the RBI TAT and compensation framework. The bank will typically provide an acknowledgment with a Complaint/Service Request (SR) number; save it.

Provide precise details: date and time of the transaction, ATM location (bank name and address or ATM ID on the slip), amount attempted, and the last 4 digits of the card. If you have the on-screen error code, ATM slip, or SMS evidence, mention/attach them. For example, if a transaction occurred on 3rd of the month, T+5 falls on the 8th; after that, compensation of Rs 100 per day should accrue until reversal or resolution.

• Call and hotlist immediately if the card is lost/compromised; then raise the dispute for any unauthorized or failed transactions.
• Obtain and keep the Complaint/SR number; note the date/time and agent name (if applicable).
• Submit supporting documents promptly if the bank asks (ATM slip, SMS screenshots, mini-statement showing debit).
• Track the case via the helpline or through your branch; if not resolved within the stated TAT, move to escalation.

Escalation Matrix and Where to Write

If your issue is not resolved within the T+5 days for failed ATM withdrawals (or within the timeline communicated for other card issues), escalate in writing. Start with your home branch manager, then the Zonal/Regional Office. Keep copies of all prior correspondence, complaint numbers, and transaction details.

For bank-wide escalations or for formal written submissions, address your letter to the Principal Nodal Officer at Bank of India’s Head Office. Postal address: Bank of India, Star House, C-5, ‘G’ Block, Bandra-Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India. If the bank does not resolve your complaint satisfactorily within 30 days of your first lodging, you may approach the Reserve Bank of India’s Integrated Ombudsman via the CMS portal at https://cms.rbi.org.in with your evidence and bank complaint references.

Fees, Limits, and Service Windows You Should Know

RBI rules provide a minimum of 3 free transactions per month at other-bank ATMs in metro centers (Mumbai, Delhi, Chennai, Kolkata, Bengaluru, Hyderabad) and 5 in non-metros; beyond the free limit, banks may charge up to Rs 21 per transaction at other-bank ATMs. Your exact free limits and charges at Bank of India ATMs depend on your account type and card variant; refer to the latest Schedule of Charges on bankofindia.co.in or ask the contact center for the current rate card.

Daily ATM cash withdrawal limits vary by BOI debit card type; many standard cards fall in the Rs 25,000–50,000 per day range, while premium variants may permit higher limits. If you need a temporary limit enhancement for a planned withdrawal, ask the helpline or your branch about eligibility and process. Green PIN/duplicate PIN issuance is generally instant via IVR/ATM/self-service, but physical PIN mailers (if chosen) can take several working days for delivery.

The customer care helpline runs 24×7, including weekends and bank holidays, for critical services such as blocking a card, reporting fraud, and registering failed ATM transactions. Branch-based support follows local business hours (typically Monday–Saturday, excluding 2nd and 4th Saturdays, and public holidays). Use the helpline for urgent action; follow up in writing for documentation and escalations.

Additional Practical Tips for Smooth Support Interactions

Always call from your registered mobile number to speed up verification. Have at hand: last 4 digits of the card, date/time and location of the ATM, amount attempted, and any reference numbers or slips. During the call, ask the agent to read back your complaint category (e.g., “ATM cash not dispensed but debited”) and note the SR number they assign.

Monitor your SMS/email alerts and Internet/Mobile Banking mini-statements to confirm reversals. If you do not see a credit by T+5 on failed withdrawals, call back, quote your SR number, and request compensation per RBI’s framework (Rs 100 per day of delay). For safety, never share your full card number, PIN, CVV, or OTP with anyone; Bank of India staff will never ask for these. In case of suspected fraud, hotlist the card immediately via 1800 103 1906 or 1800 220 229 and report the incident at once.