# bob World:Banking & Experience — Save Invest Borrow Shop

> Digital banking app for savings, investments, loans, shopping, and payments. (iPhone/iPad app by Bank of Baroda.)

- Source: https://appshunter.io/ios/app/bob-worldbanking-and-experience/id1191046038 (this page in markdown: same URL + `.md`)
- Developer: [Bank of Baroda](https://appshunter.io/developer/1142562887)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 2,165 App Store ratings · 315 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 238 MB
- Languages: American English, Assamese, Bangla, Gujarati, Hindi, Kannada, Malayalam, Marathi, Odia, Punjabi and 3 more
- Released: 2017-01-21
- Data updated: 2026-08-30
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/bob-worldbanking-and-experience/id1191046038/reviews.md

## What is bob World?

We unveil to you a new world of endless possibilities which has grown from a smaller to a bigger passion encompassing an all new digital experience. From the Best technology bank 2021*, presenting to you bob World, the official Bank of Baroda’s Mobile Banking application (erstwhile known as M-Connect Plus). 

bob World has been crafted intuitively for a seamless, delightful, contactless and effortless experience with 220+ services, all that you have to do is to sit back and experience the joy of banking for your 360° banking needs.

bob World - A World that is in tune with your World:
●	Enhanced User experience with state-of-the-art design
●	Open B3 digital savings account instantly with Video Know Your Customer (KYC) procedure & say bye to branch visits
●	Refer, Earn & invite friends into your world of banking
●	Enjoy a bouquet of benefits under bob world benefits program 
●	Secure app with dual PIN for login & transaction
●	Bank-from-home with the all-in-One App at your fingertips 

Save - Your world of savings & rewards:
●	Save intelligently by tracking your expenses with our spend analyzer
●	Transact with confidence as we have zero hidden cost
●	Take control by managing your debit cards efficiently

Invest - Your world of investment on-the-go:
●	Take informed investment decisions with Baroda Wealth- your one-stop Wealth Management solution
●	Invest in Government schemes such as PPF, SSA, APY in a single click
●	Insure yourself affordably & secure your family with PMJJBY & PMSBY 

Borrow - Your world of hassle-free loans:
●	It's time to turn your dreams into reality with Digital loans #DilseDigital
●	A bouquet of products such as Home, Car, Personal, Mudra, MSME, Loan against FD/RD, Micro- Personal Loans 
●	Check your Credit Score, EMI calculator

Shop & Pay - Your world of secure shopping:
●	Travel solutions such as Bus, Flight & Hotel Booking to make your trips more memorable
●	Compare & shop merchandise - We help you choose the best deal 
●	Bill & Recharge Payments at your convenience
●	No need to use multiple UPI payment apps when you have bob World

*Adjudged as “Best Technology Bank of the Year” amongst large banks, by an eminent jury of IBA Annual Banking Technology Awards

## Key features

- Open digital savings account instantly
- Track expenses with spend analyzer
- Invest in government schemes
- Apply for digital loans
- Book travel and pay bills
- Secure login with dual PIN

## What do users think of bob World?

Overall sentiment: negative

**Pros**

- 👍 Excellent app
- 🚀 Quick and easy transactions
- 🔒 Secure banking experience
- 👍 User-friendly interface

**Cons**

- 🐛 App crashes frequently
- 🐛 Login/registration issues
- 🐛 Unreliable app performance
- 🐛 Compatibility problems with newer iOS versions
- 🐛 Unresponsive customer support

**Commonly reported bugs**

- App stuck on loading screen
- Unable to add/delete beneficiaries
- Incorrect account details displayed
- OTP delivery failures

**Most requested features**

- Ability to reset login PIN
- Improved transaction history and statement access
- Support for international phone numbers and NRI customers
- Simplified UI and navigation

## Recent user reviews (10 of 315)

All indexed reviews: https://appshunter.io/ios/app/bob-worldbanking-and-experience/id1191046038/reviews.md

### 2/5 — App is crashing

*2026-08-21, version 3.9.0*

The app keeps crashing and not launching. It remains on the splash screen and keeps buffering, preventing me from checking my account for months. Please fix this issue.

### 1/5 — Very unethical

*2026-08-21, version 3.9.0*

App not working since while and now it says old ?? Than where is new one thus is worst thing bank could do , no information nothing

### 1/5 — App didn’t even open

*2026-08-20, version 3.9.0*

I’ve been trying to transfer money to my mom for her medical expenses but this stupid app won’t open. I had to transfer through third party apps like Google pay/other UPI apps. Worst UX! I’d rate a negative 1000 for this app if I could.

### 2/5 — Still not working

*2026-08-20, version 3.9.0*

This app not working

### 1/5 — This app is not loading

*2026-08-20, version 3.9.0*

Both new and old Bobworld apps are not working. Customer support is pathetic

### 1/5 — Not working

*2026-08-19, version 3.8.7*

Since past few weeks app is not working. Just keep on loading and gives error or slow/no internet.

### 5/5 — App not working

*2026-08-18, version 3.8.7*

Bob world not working in iPhone and very very disappointed.
I was stuck from last 2-3 weeks.
Please do needful.

### 1/5 — App is not opening

*2026-08-18, version 3.8.7*

Hi Team, I am in canada, this app is used to open here but since 2-3 weeks its not opening anymore. Its just loading and processing all the time but not opening. Please resolve this issue asap. Thanks.

### 1/5 — App not even loading stuck at opening page

*2026-08-16, version 3.8.7*

This app is completely horrible as compared to other Indian bank apps, as an NRI in US, the app invariably does not work at night in India. As of few weeks ago the app cannot even launch. I have deleted and reinstalled still same issue. Due to this I am considering now closing my account at this bank.

### 1/5 — Not happy

*2026-08-16, version 3.8.7*

This application is not as useful as I needed. From 12 am to 6 am it's always showing an error occurred and not in service. BOB is one of the greatest banks in India. This is not the right way to help people. Update and upgrade the standard and provide more efficiency for the customer.
From last few weeks till today I can’t even open the app. Normally I pay every 8th or 9th of month and still can’t open. Very pathetic.

## Frequently asked questions about bob World

### What does bob World do?

bob World is the official mobile banking application from Bank of Baroda. It provides a comprehensive digital platform for users to manage their finances, offering over 220 services. This includes opening accounts, saving, investing, borrowing, and shopping, all accessible from a smartphone.

### What are the key features of bob World?

Key features include instant digital savings account opening with video KYC, expense tracking, investment management with access to government schemes, hassle-free digital loans for various needs, and secure shopping and bill payment functionalities. The app also offers a dual PIN system for enhanced security.

### Is bob World free to use?

Based on the provided information, the bob World app is free to download and use. There are no mentions of subscription fees or in-app purchases for core functionalities, and it does not display advertisements.

### What can I do with bob World for savings and investments?

For savings, you can track your expenses intelligently with the spend analyzer and manage your debit cards efficiently. For investments, the app provides access to Baroda Wealth for wealth management, allows one-click investment in government schemes like PPF and SSA, and offers affordable insurance options.

### Can I get loans through bob World?

Yes, bob World facilitates hassle-free digital loans for various purposes. You can apply for products such as Home, Car, Personal, Mudra, MSME, Loan against FD/RD, and Micro-Personal Loans. The app also includes tools like a Credit Score checker and an EMI calculator.

## Version history (last 5 releases)

### 3.9.0 — 2026-08-20

Fixes and Improvements.

### 3.8.7 — 2026-01-30

Forex 

Fixes and improvement

### 3.8.3 — 2025-10-16

Fixes and improvements

### 3.8.2 — 2025-08-25

Re-KYC (Periodic updation of KYC)
Digital Gold Loan
Credit Score (Equifax)
Fixes and improvement

### 3.8.1 — 2025-03-26

Beneficiary Lookup (NEFT & RTGS)
Fixes and improvement

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## More apps by Bank of Baroda

- [Baroda m-Invest](https://appshunter.io/ios/app/baroda-m-invest/id1236039534)
- [bob World UAE](https://appshunter.io/ios/app/bob-world-uae/id1273079683)
- [M-Connect Plus FIJI](https://appshunter.io/ios/app/m-connect-plus-fiji/id1300461407)
- [bob इ Pay](https://appshunter.io/ios/app/bob-pay/id1359652055)
- [bob World NZ](https://appshunter.io/ios/app/bob-world-nz/id1419459550)

All apps by Bank of Baroda: https://appshunter.io/developer/1142562887

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*