Bank of India Customer Care Numbers: Expert, Practical Guide

Official Customer Care Numbers (Verified) and When to Use Them

Bank of India’s primary customer care helplines are designed to be reachable nationwide and from overseas. Use these lines to get help with account queries, net banking/mobile banking support, ATM/debit card issues, transaction disputes, or to immediately block a lost or stolen card.

Key numbers at a glance (India and abroad):

• Toll‑free (all operators in India): 1800 103 1906 — 24×7 IVR; live agent support for most services
• Toll‑free (legacy BSNL/MTNL lines): 1800 220 229 — widely accessible across India
• Chargeable/International access: +91 22 4091 9191 — use from overseas or if toll‑free is not reachable

These helplines cover general banking, digital banking, deposits/loans, and card-related support. For urgent incidents such as card loss or suspicious transactions, call immediately and select “Report lost/stolen card” or “Hotlist card” on the IVR; hotlisting is available 24×7.

Service Hours, Call Routing, and What to Expect

IVR services (balance/last transactions, card blocking, cheque status, basic requests) operate 24×7. Live agent assistance is available round the clock for critical services, while specialized queues (e.g., loan servicing or complex dispute cases) are staffed primarily during Indian banking hours. If your query is non‑urgent, calling on weekdays between 10:00 and 17:00 IST generally yields the shortest queues.

Calls to the 1800 numbers are free from within India. Calls to +91 22 4091 9191 incur standard operator rates, including international charges if you call from abroad. For verification, be ready with your customer ID/account number, the last four digits of your card (if applicable), and Date of Birth or registered mobile for one‑time passcode (OTP) validation.

How to Navigate the IVR Efficiently

After dialing, you’ll be prompted to choose your language and customer type (Retail/NRI/Corporate). Common options include balance/mini‑statement, card services (hotlisting/reissue/PIN), digital banking (net banking/mobile app resets), and dispute/complaint registration. If you need an agent quickly, select “Speak to an executive” at the main menu or within the relevant submenu.

Keep your registered mobile accessible to receive OTPs during authentication. If you are calling from a number not registered with the bank, the system may ask additional questions or route you to an agent for manual verification. For card blocking, the IVR can hotlist without full login by confirming select details; note the reference number provided at the end.

Lost or Stolen Card, Fraud, and Dispute Handling

Time is critical with card loss or suspicious activity. Bank of India supports immediate card hotlisting via IVR without waiting for an agent. The bank will provide a service request (SR) or reference number—store it securely. Replacement cards can be requested during the same call or later via branch/net banking, subject to applicable charges.

For unauthorized electronic transactions, notify the bank at once via the helpline. As per RBI norms, zero‑liability may apply if you report promptly and the fraud is not due to your negligence. Keep screenshots/SMS alerts and note timestamps. Dispute acknowledgment typically occurs within a few days, with resolution generally targeted within 30 days depending on case complexity.

Immediate steps if you detect fraud or lose your card:

• Call 1800 103 1906 or 1800 220 229 and hotlist the card; note the reference/SR number
• Change related credentials (net banking password, mobile banking PIN) and review recent transactions
• File a written complaint via the bank’s complaint form (online or at branch); for cyber fraud, also report at cybercrime.gov.in and the 1930 hotline

Addresses, Website, and Where to Find Branch/Regional Contacts

Head Office (for official correspondence and escalation addressing):

Bank of India, Star House, C‑5, ‘G’ Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India.

Official website: https://bankofindia.co.in. Use the “Contact Us” and “Grievance Redressal” sections for secure web forms, policy documents, and updated helpline details. For local branch phone numbers and working hours, open the Branch/ATM Locator on the site, search by city or PIN code, and click the branch name to view telephone and email contacts.

For customers abroad, the +91 22 4091 9191 line works best. Some overseas branches/offices maintain local lines; their contact details are listed under “International Operations” on the bank’s website.

Escalation Path and Regulatory Avenues (If Your Issue Isn’t Resolved)

If your issue persists after calling customer care, raise a formal complaint:

Level 1: Register your complaint via the Contact Centre (get the SR number), your home branch, or the “Grievances” page on bankofindia.co.in. You should receive an acknowledgment with a reference number.

Level 2: If unresolved within the bank’s stated turnaround time (generally within 30 days for most complaints), escalate to the Regional/Zonal Office or the Principal Nodal Officer at Head Office (Address: Star House, C‑5, G‑Block, BKC, Bandra East, Mumbai – 400051). Include copies of earlier correspondence and SR numbers for traceability.

Level 3 (Regulator): If still unresolved after 30 days or if you are dissatisfied with the response, lodge a complaint under the RBI Integrated Ombudsman Scheme at the RBI CMS portal: https://cms.rbi.org.in. Keep your bank SR number and evidence handy; the Ombudsman process is online and covers most retail grievances.

Costs, Turnaround Times, and Documentation Tips

Calls to 1800 numbers are free within India; standard call/SMS/data tariffs apply for other numbers and for international calls. Replacement card fees, statement copies, or dispute processing may involve standard service charges; refer to the bank’s “Service Charges” schedule on the website for the current tariff before requesting optional services.

For faster resolution, include in your complaint: account/loan/card number masked to last 4 digits, transaction date/time/amount, channel (ATM/POS/UPI/Net Banking), merchant/ATM ID if known, and your registered contact details. Retain screenshots, SMS alerts, and ATM receipts. For failed ATM cash withdrawals, RBI rules expect automatic reversal within a defined window; raise a ticket if reversal does not occur on time.

Security and Fraud‑Prevention Best Practices

Bank of India never asks for full OTPs, CVV, card PIN, or net banking passwords over phone, SMS, email, or social media. Do not share these even with someone claiming to be from the bank or RBI. Always verify the caller ID and prefer calling back on the official numbers (1800 103 1906 / 1800 220 229 / +91 22 4091 9191) listed above or on the bank’s website.

Type the website address manually (bankofindia.co.in) rather than following links in messages. For mobile banking, use the official “BOI” apps from the Apple App Store or Google Play. Enable transaction alerts, set reasonable limits, and review your statements frequently to catch anomalies early.

How to check bank of india mini statement?

To obtain a Bank of India mini statement on mobile, make a missed call to Bank of India Mini Statement Number, and that is 09015135135 or 09266135135 or write ‘TRANS SMS password’ and send it to +919810558585. You can also acquire a Bank of India mini statement on mobile by using the BOI mobile application.

How to link phone number with Bank of India?

Bank Of India Change Mobile Number Online

1. Open your online banking account at the Bank of India.
2. Go to the area labelled “Service Request.”
3. Pick the option to change your mobile number.
4. Submit the necessary information and provide your new mobile number.
5. Use OTP verification to verify the request’s authenticity.

How can I contact Bank of America customer service?

To notify us if you do not receive your debit card or if it is lost or stolen: 800.432. 1000 (outside the U.S.: 1.315. 724.4022). ¹ By texting us, you agree to receive an automated text message reply.

How to check customer ID in Bank of India?

If you are using a net banking facility, you will be very familiar with the Customer ID or User ID. The Customer ID is mentioned in the welcome letter and cheque book. It is also mentioned on the first page of Passbook and Account Statement.