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FAQ for Internet Banking

Q: How I can open my e-statement received through email?

A: You have to feed in the first five letters of your name (in CAPITAL LETTERS) followed by your customer Id number for opening your e-statement. If you don’t have your customer ID number then please contact your base branch for getting your customer ID number.

Q) What is “Baroda Connect”?

A: “Baroda Connect” is an umbrella of e-Banking products offered to the customers on e-Channels. At present “Baroda Connect” offers Internet banking. Through “Baroda Connect”, a customer is able to operate his/her Bank account(s) on 24 X 7 basis from anywhere, just at the click of a mouse.

Q) What is Internet Banking?

A: Internet Banking indicates banking facilities offered to the customers, on Internet. Using our internet banking you can access your bank account; take statement of your account, transfer fund instantly within Bank of Baroda account, overnight to any other bank account in New Zealand and many more from your office/ house using computer/ device with internet connections.

Q: What facilities I can avail through Internet Banking?

A: Through Internet Banking you can view, download and print your account statement. You can also transfer money to other Bank of Baroda (NZ) accounts and other accounts with all major banks in New Zealand. These services are quite safe with 128-bit encryption Secure Socket Layer (SSL). This will ensure that the password and other sensitive information, while traveling on Internet will be in encrypted form and thus not available to the hackers.

Q: Is it necessary to own a computer or whether we can access Baroda Connect from any computer?

A: “Baroda Connect” can be accessed from any computer (including one from cyber café) having internet facility. However, you are advised to be extra cautious while accessing the services from cyber café.

Q: How should I log in?

You will receive your user id and password in two separate sealed envelopes in un-tampered form. (If they are tampered, please inform your base branch IMMEDIATELY on receipt)

To access “Baroda Connect” start internet in your PC and type http://www.barodanzltd.co.nz in the address bar and press enter. Click on link ‘NETBANKING’ and then select your country as ‘New Zealand’.

The home page of the “Baroda Connect” will appear, click on “Retail User” or “Corporate User” button as the case may be and follow links.

You will be forced by the system to change the password, when you will log in for the first time.

We request you refer the guidelines on password security given in user guide, as also on printed on PIN mailer.

Q: What if I am unable to login with the allotted Password and a user Id?

In such case, please ensure the following…

• Confirm from the branch that your User ID is activated.

• You are using correct type of alphabets e.g. capital letter and/or small letter as the case may be. (Passwords are case sensitive).

• Num lock is not off inadvertently.

• You have not tried for more than 5 times with wrong User ID and/or Password (this will block your password and you will have to approach the bank).

Q: What is my Internet Banking user ID?

A: Your customer ID number is your Internet Banking User ID. You can find your customer ID number in Account Opening Email Sent from Bank or alternatively, please contact your base branch for getting your customer ID number.

Q: Can I change my Internet Banking user ID?

A: No, you won’t be able to change your Internet banking user ID.

Q: I have recently received my Internet Banking user ID and password from Bank, when I feed in my Internet banking user ID, system displays the error message as ‘Invalid User ID’, how to activate my Internet Banking facility?

A: Kindly send a confirmation email to your base branch for activation of your Internet banking facility.

Q: When I feed in my Internet banking user ID, system displays the error message as ‘User ID expired’, how to resolve this?

A: If you don’t use your Internet Banking facility for more than 90 days, your Internet Banking user ID gets expired, kindly contact your base branch for resetting your Internet Banking user ID / Password.

Q: When I feed in my Internet banking user ID, system displays the error message as ‘Your Account is Locked’, how to unlock my account?

A: For unlocking the account please follow the below mentioned steps:

1. Login to www.barodanzltd.co.nz

2. Click Retail user.

3. Enter User ID

4. Don’t click Enter button

5. Click on link “a) your account locked. Click here”

6. Then proceed.

If your account is locked and you remember your transaction password and answers given at the time of enrollment, then after feeding user id please click on the link given on the right side for unlocking the account.

The system may ask you QnA and or Transaction password.

If you have forgotten your answers, then please reset your QnA (click on the link given on right side) before unlocking your account.

Note: If you forgot your Transaction password also, please contact us for regeneration of the new Transaction password.

Q: I forgot my Internet Banking password, what should I do now?

A: Please contact your base branch to reset your Internet Banking password, if you have changed your address since your last communication with Bank, then kindly share your latest address proof for updating your new address in Bank records.

Q: How to change my address with bank?

A: Please send the latest address proof via scan to your base branch for updating your latest address in bank records.

Q: What if I am unable to login with the allotted Password and a user Id?

In such case, please ensure the following…

• Confirm from the branch that your User ID is activated.

• You are using correct type of alphabets e.g. capital letter and/or small letter as the case may be. (Passwords are case sensitive).

• Num lock is not off inadvertently.

• You have not tried for more than 5 times with wrong User ID and/or Password (this will block your password and you will have to approach the bank).

Q: How do I choose the password, while changing the same?

While finalizing your password, please note that…

• It must be minimum 8 digit long and maximum 16 digit long.

• It must contain an alphabet (A-Z or a-z) and a number (0-9) and a special character (@, #, $, %, ^, &), all the three.

• It is case sensitive i.e. if your password is in small letters then use small letter in all your future interactions, if you use capital letters then it will not work.

• For your safety, your password will be blocked, if attempt to log in fails for 5 times.

• If not changed in 180 days, system will force you to change the password. However, we advise you to keep changing the passwords, at a regular interval.

• Sign-on password and Transaction password CANNOT be the same.

Q: What is the procedure for obtaining new password if the existing password is forgotten?

• If you have forgotten your user ID/ password, please contact your base branch for re-generation of fresh password.

• Bank will generate new password and the same will be sent to your mailing address.

• On receipt of your Internet Banking User ID and password, kindly send your acknowledgement to your base branch for activation of your Internet Banking facility.

Q: Whether alerts are there for Password expiry?

A: You will be alerted (on the homepage, when you log in) for changing the passwords before the expiry date.

Q: What is the maximum amount can be transferred per day through internet banking?

A: You can transfer maximum of NZD 10,000 per day through internet banking.

Q: What is virtual Keyboard?

A: The virtual keyboard is an onscreen keyboard which provides a mouse base alternative, for keying in your username and password, instead of using the actual physical keyboard.

Q: What are the advantages of login into the internet Banking site using a Virtual Keyboard?

A: There are many malicious programs which can capture the keystrokes you enter in physical keyboard to login. A virtual keyboard prevents the malicious program in capturing the keystrokes as you are using mouse to type of virtual keyboard.

Q: What should I do, if I have to stop using services for some time?

A: Please ensure to logout in proper way. However, if you abruptly close your Internet Banking page, your session will end. Please do not leave your system unattended, when you have logged in, since this may give an opportunity to others around you to operate your accounts.

Q: What are the Security features for usage of Internet Banking?

A: Transactional based internet banking offered is fully secured with 128 SSL (Secured Socket Layer). Bank has taken adequate care of security in respect of communication and transactions on the internet. While the customer will access the portal and the information will travel on public network, it will be in the encrypted form (using SSL) and even if someone receives that information, he will not be able to use it due to its encryption. To offer confidence to the customer, the bank’s servers are duly certified by Verisign.

Another Safety feature is the timed logout, which means the session is automatically terminated if it is not active for certain duration. We have implemented Baroda iSecure, 2 factor authentication to enhance the security of our internet Banking.

Q: Are there some important Security Tips: Dos & Don’ts Destroy Password

A:

• Destroy Password mailers immediately after Password is changed.

• Do not write Password anywhere, try to memorize them.

• Change Password in frequent interval. To change your Internet banking password login to your Internet Banking and click profile option to change your Password.

• Log off properly every time after online banking session is over. To log off, always select “Log Out” button. Do not close your browser directly by clicking on ‘X’ button.

• To subscribe Alert log on to your Internet banking and click on Alerts>>Subscription and click on check boxes as per your requirement.

• Check Alert received in registered Mobile of all online transactions.

• Any suspicious transaction Alert should be reported immediately to the base branch.

• Tracker ID is required for Beneficiary Registration and sent to registered mobile number. Never share Tracker ID with anybody.

• Keep your PC / LAPTOP protected with effective Anti Virus and update Anti Virus software regularly.

• Review your account statement to spot any doubtful / un-authorized transaction.

• We never call any personal detail such as User ID, Password, Tracker ID, password of email etc. Never disclose all these personal information to anybody over Phone, e-mail, Mobile etc.

• Avoid using Internet Banking in Public Domain like Cyber Cafes or where Computers are in shared mode.

Q: How to transfer funds from BOB NZ Account to other NZ Bank Accounts?

A: For transferring money from BOB NZ account to other bank accounts, kindly follow the below steps:

1. Register the beneficiary details in your login details.

2. Please click on the link ‘If you don’t know the BIC Code, please click here’.

3. Select the bank name as ‘Bank of New Zealand’ (irrespective of bank name where you have your account it does not make any difference.).

4. Select the branch by clicking on button ‘Get Branch’. Please select Auckland it does not make any difference

5. Beneficiary account number should be of 16 digits. Kindly include a ‘0’ before suffix (last two digits of your account number) to make it 16 digit. E.g. If your account number is 01-0186-0922356-25 then after including a ‘0’ your account number (only for this purpose) should be 01-0186-0922356-025.

After this, system will send a One Time Password on your mobile number and email, please enter that password in beneficiary registration confirmation link to complete the beneficiary registration process.

Q: How to transfer funds from other NZ Bank Accounts to Bank of Baroda NZ Accounts?

A: For transferring money from other bank accounts to BOB NZ account, kindly follow the below step:

• Some of the banks require 15 digit account number. Kindly exclude a ‘0’ before suffix (last two digits of your account number) to make it 15 digit. E.g. If your account number is 02-1273-0034890-001 then after excluding a ‘0’ your account number (only for this purpose) should be 02-1273-0034890-01.

Q: How to enroll for secured enrollment of Bank of Baroda NZ Ltd?

A: When you feed in your sign-on password, the system will prompt you to enroll for secured enrollment, please click on the button ’ENROLL NOW’ to enroll for secured enrollment. For secured enrollment, please follow the below mentioned steps:

1. Please select your personal message which will be displayed whenever you login to your Internet Banking facility, it is desirable that you ensure that the correct personal message is being displayed. In case, it is not so, please terminate further process.

2. Please key-in the answers to 5 security questions out of available 17 security questionnaire. Kindly keep a record of answers to your security questions as the system might request you to feed in these answers in your future interactions.

3. Please change your sign-on password by scrolling down to bottom of the page. (System will request for transaction password for verification to complete the secured enrollment process). System will prompt the successful completion of secured enrollment process

4. After this, system will prompt you to change your transaction password.

5. Once you have successfully enrolled, system will request for your mobile number, kindly feed in the last SIX digits of your mobile number after which the system will send a One Time Password (OTP) on your mobile through which you will be able to login onto Internet Banking facility.

Q: How to subscribe for SMS Alert facility provided by BOB NZ Ltd?

A: Please follow the steps mentioned below to activate your SMS Alert facility

Step 1: Click on ‘Alerts’ Tab under your Internet Banking Login Page.

Step 2: Click on ‘Subscription’ link to subscribe for getting transaction alerts via email or SMS.

Step 3: Check all boxes under ‘Email’ / ‘SMS’ fields so as to receive all types of alerts.

Step 4: Please modify the Amount in Large Amount Transaction Operative Accounts as ‘10’

Step 5: Click on ‘Submit’ Button once you finish making the selection.

(Screen Shot pasted below for your kind reference)

In order to check whether your mobile number has been correctly updated in our records, please click on ‘My Profile’ link under ‘Profile’ Tab and scroll down to the ‘Address Information’ Section and check the mobile number in Mobile Phone No. Column (Screen Shot pasted below for your kind reference).

Q: How shall I register my Mobile Number / New Mobile Number?

A: In order to get your update your current mobile number with Bank, please email your current mobile number to your base branch.

Q: How can I download the latest version of JAVA?

A: Kindly download and install the latest version of JAVA by visiting one of the below mentioned link:

http://www.java.com/en/download/index.jsp

http://www.oracle.com/technetwork/java/javase/downloads/index.html

Q: My web browser prompts the error message as ‘JAVA disabled in Browser’. How can I fix this issue?

A: Please complete the following instructions to activate and enable JavaScript in your respective web browser:

Internet Explorer:

PC

1. In the Tools drop-down menu, select Internet Options.

2. Next, select the Security tab.

3. Then, select the earth (Internet) icon.

4. Then select the Custom Level button.

5. Locate Scripting near the bottom of the list.

6. Under Active Scripting, select Enable, then hit OK.

7. Answer yes to the following conformation box.

8. Hit OK to close the Internet Options window.

9. Finally, hit refresh on your browser window to enjoy the javascript

Firefox

PC

1. In the Tools drop-down menu, select Options.

2. Next, select the Content icon/tab at the top on the window.

3. Then, check the Enable JavaScript checkbox under the Web Content category.

4. Hit OK to close the Options window and save your changes.

5. Finally, refresh your browser.

MAC

1. Select the Firefox menu item from the Apple/System bar at the top of the screen.

2. From the drop-down menu, select Preferences...

3. Select the Content icon/tab at the top on the window.

4. Then, check the Enable JavaScript checkbox.

5. Close the Options window to save your changes.

6. Finally, refresh your browser.

Safari

PC

1. In the Edit drop-down menu at the top of the window, select Preferences...

2. Select the Security icon/tab at the top on the window.

3. Then, check the Enable JavaScript checkbox.

4. Close the window to save your changes.

5. Finally, refresh your browser.

MAC

1. Select the Safari menu item from the Apple/System bar at the top of the screen.

2. From the drop-down menu, select Preferences.

3. Select the Content icon/tab at the top of the window.

4. Then, check the Enable JavaScript checkbox.

5. Close the window to save your changes.

6. Finally, refresh your browser.

Opera

PC

1. In the Tools drop-down menu at the top of the window, select Preferences...

2. Select the Advanced tab at the top on the Preferences window.

3. Find the Content item in the list on the left-side of the window and select it.

4. Then, check the Enable JavaScript checkbox.

5. Click OK to save your changes and close the Preferences window.

6. Finally, refresh your browser.

MAC

1. Select the Safari menu item from the Apple/System bar at the top of the screen.

2. From the drop-down menu, select Preferences.

3. Select the Content icon/tab at the top of the Preferences window.

4. Then, check the Enable JavaScript checkbox.

5. Click OK to save your changes and close the Preferences window. 6. Finally, refresh your browser.

Chrome

PC

1. Select Customize and control Google Chrome (wrench Icon) to the right of the address bar

2. From the drop-down menu, select Options

3. Select the Under the Hood tab at the top of the window

4. Under the Privacy heading, select the Content settings button

5. On the left, under the features heading, select JavaScript

6. Select the Allow all sites to run JavaScript radio button

7. Finally, close both preference windows, and refresh the browser

MAC

1. Select the Chrome menu item from the Apple/System bar at the top of the screen.

2. From the drop-down menu, select Preferences...

3. Select the Under the Hood tab at the top of the window

4. Under the Privacy heading, select the Content settings button

5. On the left, under the features heading, select JavaScript

6. Select the Allow all sites to run JavaScript radio button

7. Finally, close both preference windows, and refresh the browser

iPhone

1. Select the Settings application/icon on the iPhone home screen

2. Select Safari on the following screen

3. Under the General heading, find the JavaScript item

4. Select the JavaScript toggle to the On position.