BOI Bank Customer Care Number: An Expert, Practical Guide

This guide focuses on Bank of India (commonly abbreviated as BOI in India). If you are looking for Bank of Ireland, refer to its “365” support lines on bankofireland.com. Everything below is specific to Bank of India, headquartered in Mumbai, and is intended to help you reach the right number quickly, understand service hours, and escalate issues effectively.

Primary BOI Customer Care Numbers and When to Use Them

Bank of India operates toll‑free customer care lines that cover most retail banking queries, card services, net banking access, and product information. As of 2024, the two principal toll‑free numbers widely published by the bank are 1800 220 229 and 1800 103 1906. These lines typically provide IVR self‑service and routing to phone bankers for balance, statement, card, and digital banking support. A commonly used chargeable landline for customers dialing from outside India or from networks that do not permit toll‑free is +91 22 4091 9191 (standard STD/ISD charges apply).

While the IVR menus change periodically, you can expect a first layer of options for language selection, followed by card, deposit/loan, and digital banking categories. Keep your CIF/account number, last transaction value, and date of birth handy for verification. Peak wait times tend to be weekday afternoons (12:00–16:00 IST); early mornings (08:00–10:00 IST) and late evenings generally have shorter queues.

• BOI toll‑free (India): 1800 220 229
• BOI toll‑free (India): 1800 103 1906
• Chargeable helpline (useful from abroad): +91 22 4091 9191
• Official website (verify latest numbers): https://www.bankofindia.co.in
• Contact/Support page (bookmark for updates): https://www.bankofindia.co.in/ContactUs

Card Hotlisting, Digital Banking, and Common Tasks

If your BOI debit or credit card is lost, stolen, or compromised, hotlist it immediately. Use the toll‑free numbers above and select the card hotlisting option in the IVR; these hotlines operate 24×7. Hotlisting locks the card permanently; replacement cards can be requested in the same call or via your branch or BOI digital channels. For UPI or net banking password resets, the IVR will route you to digital banking support after verifying account details.

For internet banking (Star Connect) and mobile banking (BOI Mobile/BOI BHIM), ask specifically for “digital banking support” in the IVR. Keep your registered mobile number active for OTP delivery. Typical resets (login password, transaction password, unlocking) can be completed in one call if you pass verification. If you suspect a fraud UPI/ATM transaction, ask the agent to log a dispute reference number on the call; note the Case ID and the date/time. For time‑sensitive frauds, report within minutes and immediately change your credentials.

Fastest Resolution Tips

Use the linked ContactUs page to validate current menus before calling. If you need statements, limits, or cheque status, have the last four digits of the account, last known balance, and KYC details ready. If calling about a failed ATM/UPI transaction, note exact timestamps, location/merchant, and reference numbers; disputes are much faster to resolve with precise metadata. For replacement cards, confirm the delivery address and any applicable reissue fees before ending the call.

Escalation Matrix, Response Timelines, and Regulatory Recourse

BOI follows a multi‑level grievance redressal system. Level 1 is your home branch; Level 2 is the regional/zonal office; Level 3 is the Principal Nodal Officer at Head Office. Use the customer care numbers to obtain a Service Request (SR) or Complaint Reference Number; this is crucial for tracking and escalation. Most service requests target resolution in 7–10 working days; card chargeback disputes typically quote 30–45 days, depending on the network (RuPay/Visa/Mastercard) and merchant acquirer.

If your issue is unresolved or you receive an unsatisfactory response within 30 calendar days, you can escalate externally under the Reserve Bank of India’s Integrated Ombudsman Scheme (RB‑IOS, 2021). File a complaint online at the RBI CMS portal: https://cms.rbi.org.in. You will need the BOI complaint reference, a brief description, and supporting documents (PDF/JPEG). The Ombudsman process is free; decisions are typically communicated by email/SMS with a case ID.

What to Record on Every Call

Always note the date/time of the call, the agent’s first name or ID, the SR/Complaint ID, promised turnaround time (TAT), and any forms or documents requested. If you email or upload attachments later, include the SR/Complaint ID in the subject line to prevent mis‑routing.

NRI and International Customers

The 1800 numbers generally work only from Indian networks. If you are abroad, dial +91 22 4091 9191 from your international line. Alternatively, use BOI internet banking’s secure messaging to avoid call queues, or authorize a relative in India (if you’ve executed a mandate) to liaise with your branch. For urgent card hotlisting from abroad, call immediately and then follow up via internet banking for replacement logistics to an overseas or Indian address, as permitted by BOI policy.

Time zone planning helps: call the helpline during India off‑peak hours (08:00–10:00 IST) which often coincide with late night/early morning in Europe and early evening in North America. Save costs by using VoIP to dial the Mumbai landline if your provider allows international VoIP to PSTN at lower rates.

Safety, Verification, and Branch Support

Verify any customer care number only on the official site: https://www.bankofindia.co.in. Do not trust numbers seen in ads, pop‑ups, forwarded messages, or social media comments. BOI never asks for your full PIN, complete card number via email/chat, or any OTP beyond the transaction you initiated. If anyone asks you to install remote‑access apps or to share screen to “help” with banking, disconnect immediately and call the official numbers above.

For in‑person help, visit your home branch during working hours. In India, most public‑sector bank branches work Monday to Friday and on 1st and 3rd Saturdays (typical counter hours around 10:00–16:00), and are closed on 2nd and 4th Saturdays and Sundays. Carry an original photo ID and a photocopy for KYC‑related services. Branch managers can register or escalate complaints directly into the BOI system and provide stamped acknowledgments with a tracking number.

BOI Head Office (for reference)

Bank of India, Star House, C‑5, “G” Block, Bandra‑Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India. This is not a walk‑in customer service center; use your branch, regional office, or the helplines for retail queries. For formal escalations, the helpline or ContactUs page will provide the latest nodal officer details and email submission process.

• Quick reference: 1800 220 229 (toll‑free, India)
• Quick reference: 1800 103 1906 (toll‑free, India)
• From abroad/chargeable: +91 22 4091 9191
• Verify numbers and hours: https://www.bankofindia.co.in/ContactUs

Keep this guide handy, and always confirm the latest numbers and service windows on the official BOI site before calling.