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FAQ


The Basics

Who can use BarodaRemitXpress?

Which currencies can I remit?

Why should I trust BarodaRemitXpress?

Why is BarodaRemitXpress safe?

What does powered by TimesofMoney mean?

Can I send money to my NRE accounts?

Is the money sent through BarodaRemitXpress taxable for my beneficiary?


Online ACH

What is Online ACH?

How do I use Online ACH at BarodaRemitXpress?

How do I get my bank account verified by BarodaRemitXpress?

How long will it take me to begin transacting with Online ACH?

How long will it take for my remittance sent through Online ACH to reach my family?

What is an ABA/ Routing Number?

Why does my Status Tracker show 'Funds in Clearing' when it is an Online ACH transaction?


UK

What is a Customer Initiated Payment (CIP)?

How do you make an OnlineTransfer from the UK?

Are there any transaction limits for Online Transfers?


Wire from Euroland

Fundamentals

What is a Wire?

What are the benefits of a Wire?

Which currencies can you use for Wire?


Making a Wire via BarodaRemitXpress

How do you make a Wire?

How do you inform your local bank?

How long does it take for a Wire to be processed?


Fees, Charges & Limits

Are there any transaction limits for Wire?

What is the exchange rate applied on your remittance?

What are the fees for a Wire?


Troubleshooting

If you don't have a printer to print the Remittance Booking Instruction Page, can you still use BarodaRemitXpress?


Sending Money

Can I send cash through BarodaRemitXpress?

Does BarodaRemitXpress accept my payment online through Credit Card or Debit Card?

What is the advantage of using the Online ACH facility at BarodaRemitXpress?

Why do I see 'Funds in Clearing' in my transaction history when my account has already been debited?


Receiving Money

How is the money delivered to my beneficiary in India?

Which locations in India can I remit money to?

How long will it take for the beneficiary to receive the money?

In what form will the beneficiary receive the money?

When do you update the delivery details against my Remittance Reference Number?

What happens if I enter an incorrect beneficiary address?

Do I or the beneficiary need to have an account with Bank of Baroda?


Fees, Charges and Limits

Are there any transaction limits for Online ACH?

How much does it cost me to use BarodaRemitXpress?

What is the exchange rate applied on my remittance?

The Basics :
Who can use BarodaRemitXpress?
BarodaRemitXpress can be used by any person wanting to send money from his/her bank account in the United States, Euro Land & Uk to a beneficiary in India. The remitter can also have the money sent to his/her own NRE account in India.
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Which currencies can I remit?
You can now send your remittance in U.S Dollars, Euro & Pound Sterling. The remittance will be made to your beneficiary in India in Indian Rupees only.
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Why should I trust BarodaRemitXpress?
BarodaRemitXpress is brought to you by Bank of Baroda - one of India's leading public sector banks. The bank has a rich tradition of providing state-of-the-art banking services to its customers in India and across the globe.
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Why is BarodaRemitXpress safe?
We do not take your credit card information. When you pay through BarodaRemitXpress, the money is debited through the Automated Clearing House. Online ACH,which means, no debits appear in your bank account unless you have personally authorized it. All transactions are on fully secure encrypted lines, and your data is stored on our machines, which are behind state of the art firewalls, and have gone through extensive security tests.
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What does powered by TimesofMoney mean?
TimesofMoney is Bank of Baroda's alliance partner for the BarodaRemitXpress service.
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Can I send money to my NRE accounts?
Yes. You can now send your money into your NRE account in India.
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Is the money sent through BarodaRemitXpress taxable for my beneficiary?
No. This money is income earned by you overseas, and you have already paid taxes for it in the US. Your beneficiary need not pay tax on this money again once it is remitted to India.
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Online ACH:
What is Online ACH?
Online ACH is the completely online way to send money through BarodaRemitXpress.It uses the Automated Clearing House (ACH) network to directly debit your account, and transfer the funds to our bank account in US. The funds are then transferred to India to your beneficiary.
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What is Automated Clearing House (ACH)?
ACH stands for Automated Clearing House. The ACH Network is a highly reliable and efficient nationwide electronic funds transfer system governed by the NACHA (National Automated Clearing House Association) operating rules, which authorize inter-bank clearing of electronic payments.
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How do I use Online ACH at BarodaRemitXpress?
  • As a First-time user, you need to complete a one-time Registration process where you are required to add your bank account details.
  • Your details are verified through a one-time verification process, which takes 3 working days. You can make a remittance immediately but the transaction will be completed subject to verification of your account.
  • BarodaRemitXpress notifies you by email once your account is activated. The same notification is also available on the website, should you want to check the status of your verification online.
  • In order to process your transaction faster, it is advisable to book your remittance by 3:30 p.m. EST.
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How do I get my bank account verified by BarodaRemitXpress?
The Online ACH facility is intended to give you a truly online experience with unmatched convenience and security. Getting started is easy:

  • Click on "Bank Accounts" and choose "Add".
  • Provide basic Bank Account details such as your Account Name and Number as well as your Routing (ABA) Number for the bank account you wish to use for the purpose.
  • We initiate a verification transaction into the bank account mentioned by you, which takes 3 days. Once these transactions are successful, we send you an email to visit the BarodaRemitXpress site to verify your account.
  • Check your bank account statement and enter the details of the transactions passed by Bank of Baroda on the website.
  • If the details match the actual transactions passed by us, you are ready to start using your account to transact!
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How long will it take me to begin transacting with Online ACH?
For the Online ACH mode, you will be able to transact after the mandatory verification of your account is complete.
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How long will it take for my remittance sent through Online ACH to reach my family?
Your funds could reach your family as fast as 3 working days from the time you book a remittance. There will be no additional charges from your bank.
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What is an ABA/ Routing Number?
The ABA (American Bankers Association) Number or Routing number is also called a "Routing Transit" number. It is an identification number assigned to each financial institution and each branch office of that financial institution. It was developed by the American Bankers Association in 1910 to help route payments among banks. Perhaps the most important thing to keep in mind about the ABA/Routing number is that without it transmitting funds is not possible.
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Wire from Euroland:
What is a Wire?
A wire at BarodaRemitXpress allows you to transfer money from your existing bank account to India in 48 hours. BarodaRemitXpress also gives you a unique tracking number for your transaction allowing you to track your remittance online at any point of time.
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What are the benefits of a Wire?
A Wire is a fast way to send money to India as money is transferred from your account to us within the country that you live in. And so, money is delivered to your receiver in 48 hours!
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Which currencies can you use for Wire?
You can send your remittance via Wire in Euro only. The remittance will be made to your beneficiary in Indian Rupees only.
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Making a Wire via BarodaRemitXpress

How do you make a Wire?
To make a wire , just follow these simple steps:

  • Register at BarodaRemitXpress
  • Book a Wire and print a copy of your Remittance Booking form
  • Submit the form to your local bank with payment details
  • Your bank will wire money from your account to us
  • Money is dispatched to your beneficiary once we receive clear funds
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How do you inform your local bank?
Once you finish your transaction on our site, your screen will display the Remittance Confirmation Page. You need to take a printout of the same and submit it to your local bank with your signature.
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How long does it take for a Wire to be processed?
When you remit money to India via a Wire, we receive the money overnight from your bank for processing and onward delivery to your Receiver, which takes 48 hours. Delivery Schedule
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Fees, Charges and Limits :
Are there any transaction limits for Wire?
Please refer to the following table for country-wise limits -

Wire Country Limits-Min per Transaction Limits-Max per Transaction
Euroland Euro 50 Euro 5000
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What is the exchange rate applied on your remittance?
The exchange rate applicable to your remittance is based on the rate prevailing, at 10 AM IST, on the day that your funds are converted to Indian Rupees. On the day that you book your remittance, the prevailing rate for that particular day is shown to you on the online calculator as an indication - so that you know how much your beneficiary in India can expect to receive in Indian rupees for the amount that you are sending in your local currency. Click here for today's exchange rates.
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What are the fees for a Wire ?
Please click here to know about the Transfer Fees
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Troubleshooting

If you don't have a printer to print the Remittance Confirmation Page, can you still use BarodaRemitXpress?
If you have sent money via a Wire, you definitely need to print this page to give to your bank to enable it to transfer your funds to our account for onward delivery to your family in India.
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What is a Customer Initiated Payment (CIP)?
Customer Initiated Payment (CIP) is a completely online mode of sending money from your bank account in the United Kingdom by using your bank's Internet Banking service.
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How do you make an OnlineTransfer from the UK?
After filling the transaction details on our site, access your account via Internet Banking and transfer the remittance amount to us through the BACS (Bankers Automated Clearing Service) option. You will also need to provide the 'Internet Banking Trace Number of your transaction to BarodaRemitXpress Money Transfers. You can enter this number either while booking your transaction or much later through the Online Tracker facility. The Internet Banking Trace Number is compulsory to process the transaction. Delivery Schedule
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Fees, Charges and Limits :
Are there any transaction limits for Online Transfers?
Please refer to the following table for country-wise limits -

Wire Country Limits-Min per Transaction Limits-Max per Transaction
United kingdom GBP 50 GBP 5,000
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Sending Money :
Can I send cash through BarodaRemitXpress?
No, we accept only Online ACH from your bank account currently.
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Does BarodaRemitXpress accept my payment online through Credit Card or Debit Card?
No. Bank of Baroda is a Bank incorporated under Nationalization and Acquisition of Banking Companies Act and having its branches throughout the country. BOB provides this service in partnership with TimesOfMoney. When you pay through BarodaRemitXpress, the money is debited through the Automated Clearing House Online ACH, which means, no debits appear in your bank account unless you have personally authorized it. All transactions are on fully secure encrypted lines, and your data is stored on our machines, which are behind state of the art firewalls, and have gone through extensive security tests.
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What is the advantage of using the Online ACH facility at BARODAREMITXPRESS?
When you send money from your Bank account in the U.S using Online ACH, we receive the money in 3 (or 4) working days from your bank at no extra cost to you. This ensures that your remittance can be processed much sooner and in turn be delivered faster to your beneficiary. Also, you do not have to go any place to mail a check, saving you trouble and time. In short, using Online Money Transfer saves you valuable time and effort and reaches your remittance to your beneficiary much faster.
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Why do I see 'Funds in Clearing' in my transaction history when my account has already been debited?
There is generally a gap between the time that your account is debited and the time that we receive the credit hence the status would show as 'Funds in Clearing'. However, you need not worry, as there would be no delay in sending the money to your family in India.
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Receiving Money:
How is the money delivered to my beneficiary in India?
We have alliances with globally renowned courier companies to ensure the highest standards of safety and service.
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Which locations in India can I remit money to?
We currently support over 1864 locations in India. You can find a list of these locations here. If you would like us to add a location, please send us an email at and we will endeavor to do so at the earliest.
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In what form will the beneficiary receive the money?
Your beneficiary will receive Indian Rupee funds in the form of a Demand Draft payable at the location you have chosen while booking the remittance.
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When do you update the delivery details against my Remittance Reference Number?
Typically, the status update is done 24-48 hours after delivery to your beneficiary. Until then your remittance will show 'In Process' although the funds have been delivered. If the Demand Draft was sent by Registered Post, which happens if your beneficiary's address is unreachable through courier, a delivery confirmation might not be reliable.
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When do you update the delivery details against my Remittance Reference Number?
Typically, the status update is done 24-48 hours after delivery to your beneficiary. Until then your remittance will show 'In Process' although the funds have been delivered. If the Demand Draft was sent by Registered Post, which happens if your beneficiary's address is unreachable through courier, a delivery confirmation might not be reliable.
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What happens if I enter an incorrect beneficiary address?
If the primary address of the beneficiary is wrong, the courier returns the Demand Draft to us. We send you an email and ask you what to do with your funds. You will then need to book a fresh remittance request and instruct us in the "Personal Message to Beneficiary" field to use the funds of your earlier remittance request number for the purpose of the new remittance booked by you.
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Do I or the beneficiary need to have an account with Bank of Baroda?
No. This is not necessary, though it will speed up the process tremendously if your beneficiary has an account with Bank of Baroda. In this case, the funds will be deposited directly into your beneficiary's account, eliminating the time involved in courier delivery, and saving the beneficiary the bother of depositing the Demand Draft into their account.
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Fees, Charges and Limits :
Are there any transaction limits for Online ACH?
Please refer to the following table for country-wise limits -

Country Limits-Min per Transaction Limits-Max per Transaction
United States US Dollars 50 US Dollars 5,000
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How much can I send through BarodaRemitXpress?
Click here for the Transfer Fees applicable to your remittance.
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What is the exchange rate applied on my remittance?
The exchange rate will be based on the prevailing rate at the time of converting your funds to Indian Rupees. The rate that is shown to you at the time of booking the remittance, on the online calculator, is only an indicative rate, which can help you arrive at the approximate US Dollar amount that you should send. However, the rate shown on the calculator on any day is the actual rate that has been used for all remittances for which funds have been dispatched on that day.
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