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Bank fee profile comparison

ICICI Bank Banking Fees & Charges vs Bank of Baroda Banking Fees & Charges

Compare ICICI Bank Banking Fees & Charges and Bank of Baroda Banking Fees & Charges using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Bank fee profile comparison

ICICI Bank Banking Fees & Charges vs Bank of Baroda Banking Fees & Charges

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
ICICI BankICICI Bank Banking Fees & Charges

ICICI customers who need to identify whether a fee comes from the Savings account, card, ATM network, transfer rail or relationship programme before comparing banks.

Cost / pricing
For the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.
Reviewed
September 10, 2026
Evidence
7 bank sources
Open product research
Bank of BarodaBank of Baroda Banking Fees & Charges

Bank of Baroda customers comparing ordinary Savings, bob LITE/basic accounts and digital transfers without assuming every 'nil charge' applies to every product or channel.

Cost / pricing
Bank of Baroda currently lists distinct ATM, cheque, branch and transfer tariffs. bob Advantage's reviewed product page states nil MAB non-maintenance charge despite a location-based balance requirement, while bob LITE is zero-balance but its RuPay Platinum annual-fee waiver has a separate QAB condition.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

littleden.blog · Comparison research sheet

ICICI Bank Banking Fees & Charges vs Bank of Baroda Banking Fees & Charges

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/icici-banking-fees-charges-vs-bank-of-baroda-banking-fees-charges/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Does this tariff apply to your exact account?Establish tariff scope before treating any listed fee as applicable.

ICICI Bank Banking Fees & Charges

Tariff scope
Retail fee index covering mainstream Savings plus ATM, debit-card, digital transfer, BillPay and Basic-account exceptions. Relationship programmes remain separate.
Who the tariff applies to
Applies after matching the customer's ICICI account opening cohort, relationship programme, debit card and transfer/payment channel.

Bank of Baroda Banking Fees & Charges

Tariff scope
Retail fee index using the current generic service-charge schedule plus product-specific Savings/basic/card overrides.
Who the tariff applies to
Exact Bank of Baroda account, card and transaction channel determine the fee.
02What maintenance costs and waivers are recorded?Keep waiver conditions attached to maintenance charges.

ICICI Bank Banking Fees & Charges

Account maintenance
Reviewed mainstream Savings: non-maintenance charge 6% of shortfall or ₹500, whichever is lower. New-account MAB structure from 1 August 2025 is ₹15,000 metro/urban, ₹7,500 semi-urban and ₹2,500 rural.
Waivers
Salary, Basic Savings and relationship programmes can waive or change selected base-account charges; no waiver is treated as universal without a controlling product source.

Bank of Baroda Banking Fees & Charges

Account maintenance
bob Advantage currently publishes location-based balance levels while stating nil MAB non-maintenance charge. bob LITE is a zero-balance proposition. Other Bank of Baroda products retain their own balance/fee rules.
Waivers
BSBD/FI basic-service exemptions and bob LITE card-fee waiver are preserved as narrow product overrides.
03Which effective-date conditions govern the charges?Check date logic and the full current cost wording before using a tariff.

ICICI Bank Banking Fees & Charges

Effective-date logic
2026 fee-revision notices trigger re-verification. A notice title alone is not used to fabricate a changed amount; the detailed current schedule/product page must identify the value and effective date.
Current fee posture
For the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.

Bank of Baroda Banking Fees & Charges

Effective-date logic
Rail and ATM fee rows retain their effective dates where the bank publishes them. Product-specific current pages override generic tariff only for the exact product benefit.
Current fee posture
Bank of Baroda currently lists distinct ATM, cheque, branch and transfer tariffs. bob Advantage's reviewed product page states nil MAB non-maintenance charge despite a location-based balance requirement, while bob LITE is zero-balance but its RuPay Platinum annual-fee waiver has a separate QAB condition.
Other maintained comparisons for ICICI Bank Banking Fees & ChargesOther maintained comparisons for Bank of Baroda Banking Fees & Charges
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for ICICI Bank Banking Fees & Charges and Bank of Baroda Banking Fees & Charges
Decision factorICICI Bank Banking Fees & ChargesBank of Baroda Banking Fees & Charges
Current fee postureFor the reviewed mainstream Savings structure, non-maintenance charge is 6% of the balance shortfall or ₹500, whichever is lower, subject to programme/account exemptions. ICICI Platinum Debit Card is ₹300 + GST annually and ₹300 + GST to replace.Bank of Baroda currently lists distinct ATM, cheque, branch and transfer tariffs. bob Advantage's reviewed product page states nil MAB non-maintenance charge despite a location-based balance requirement, while bob LITE is zero-balance but its RuPay Platinum annual-fee waiver has a separate QAB condition.
Account / tariff scopeFor new mainstream Savings accounts from 1 August 2025, the reviewed product structure is ₹15,000 MAB metro/urban, ₹7,500 semi-urban and ₹2,500 rural. Select/Wealth, Salary, Basic and NRI relationships have separate conditions.The fee profile separates account balance requirements from charges. A minimum balance or QAB can control a waiver even where the account's non-maintenance charge itself is nil.
Waivers / free-service treatmentICICI digital NEFT/RTGS are nil-charge in the reviewed current transfer schedule and ICICI's own bill-payment/recharge platform currently states zero convenience fee.Savings-bank NEFT is currently nil under the generic service-charge schedule, and BSBD/FI accounts retain protected basic-service treatment. bob LITE provides 30 free cheque leaves per financial year under current terms.
Fee thresholds / allowancesATM free counts and cash/transfer amount limits are different controls. Fee thresholds are tied to account/card/channel and should not be used as transaction ceilings.ATM free counts, cheque-leaf allowances and transfer slabs are fee thresholds, not payment/withdrawal amount limits.
Who the tariff applies toApplies after matching the customer's ICICI account opening cohort, relationship programme, debit card and transfer/payment channel.Exact Bank of Baroda account, card and transaction channel determine the fee.
Product / programme / channel relationshipNotice-board fee revisions are refresh signals; the exact current product tariff controls the value applied to a customer.bob LITE's card-fee waiver is tied to its separate QAB test and must not be generalized to every RuPay Platinum cardholder.
Fee-schedule detail

Compare tariff scope and waiver mechanics.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for ICICI Bank Banking Fees & Charges and Bank of Baroda Banking Fees & Charges
Decision factorICICI Bank Banking Fees & ChargesBank of Baroda Banking Fees & Charges
Tariff scopeRetail fee index covering mainstream Savings plus ATM, debit-card, digital transfer, BillPay and Basic-account exceptions. Relationship programmes remain separate.Retail fee index using the current generic service-charge schedule plus product-specific Savings/basic/card overrides.
Account maintenanceReviewed mainstream Savings: non-maintenance charge 6% of shortfall or ₹500, whichever is lower. New-account MAB structure from 1 August 2025 is ₹15,000 metro/urban, ₹7,500 semi-urban and ₹2,500 rural.bob Advantage currently publishes location-based balance levels while stating nil MAB non-maintenance charge. bob LITE is a zero-balance proposition. Other Bank of Baroda products retain their own balance/fee rules.
Debit-card chargesICICI Platinum Debit Card reviewed fee: ₹300 + GST annual and ₹300 + GST replacement. Other card variants/programmes retain their own fee schedules.RuPay Platinum issuance/annual fee depends on linked account/tariff. bob LITE waives the annual fee only when its separate QAB condition is met.
ATM chargesSavings customers: five free financial ICICI-ATM transactions monthly and ICICI non-financial transactions free; non-ICICI ATM allowance is three in six metros/five elsewhere (maximum five free monthly), then ₹23 financial and ₹8.50 non-financial + GST.BOB ATM: five free financial+non-financial transactions, then ₹10 financial / ₹5 non-financial. Other-bank ATM for Savings: three free metros/five non-metros, then ₹23 financial / ₹11 non-financial; Current/OD/CC off-us transactions are chargeable from first use.
Cash / branchSavings cash transaction pricing varies by account variant/opening cohort; this profile does not use a generic blog/article figure to override the current account schedule.Branch cash-deposit/withdrawal tariffs vary by account and customer category; BSBD/FI protected treatment and third-party/non-home restrictions remain separately scoped.
TransfersDigital NEFT/RTGS nil. Reviewed branch NEFT is ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab and branch RTGS ₹20/₹45 + GST. Savings IMPS from 1 July 2025 is ₹2.50/₹5/₹15 + GST across stated amount slabs.Savings NEFT nil. RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh. Retail IMPS from 1 October 2025: ₹2.50 up to ₹1,000; ₹5 for ₹1,001–₹25,000; ₹15 for ₹25,001–₹5 lakh, excluding GST.
Digital servicesICICI currently states zero convenience fee on bill payments and mobile/DTH recharges through its own platforms.bob World/bill-payment convenience-fee treatment remains payment-mode/biller/account specific; no universal zero fee is inferred.
WaiversSalary, Basic Savings and relationship programmes can waive or change selected base-account charges; no waiver is treated as universal without a controlling product source.BSBD/FI basic-service exemptions and bob LITE card-fee waiver are preserved as narrow product overrides.
Effective-date logic2026 fee-revision notices trigger re-verification. A notice title alone is not used to fabricate a changed amount; the detailed current schedule/product page must identify the value and effective date.Rail and ATM fee rows retain their effective dates where the bank publishes them. Product-specific current pages override generic tariff only for the exact product benefit.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

ICICI Bank

ICICI Bank Banking Fees & Charges

  • ICICI's 2026 notice board contains multiple Savings fee revisions, including March 1 and a later June 17 update. v1.44 does not infer an unspecified charge change from a notice title alone; it keeps the current product/tariff value until the detailed first-party schedule identifies the affected field.
  • At non-ICICI ATMs, the reviewed free-count/post-free pricing differs from ICICI-own ATM treatment; do not compare only the ₹23 withdrawal charge without the preceding free allowance.
  • Programme and account-opening cohort can change MAB and waiver treatment, so the mainstream Savings tariff is not universal.
Bank of Baroda

Bank of Baroda Banking Fees & Charges

  • Bank of Baroda's generic service-charge page and product-specific account pages must be read together; a product waiver overrides only the matching generic charge.
  • Current/OD/CC cards are charged from the first off-us ATM transaction under the reviewed BOB ATM schedule, unlike Savings debit-card free allowances.
  • IMPS, NEFT and RTGS have different pricing; a nil Savings NEFT fee is not a universal 'all bank transfers free' statement.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

ICICI Bank Banking Fees & Charges

Reviewed September 10, 2026 · 7 attached first-party sources

  1. Issuer product pagehttps://www.icici.bank.in/about-us/notice-board
  2. Issuer product pagehttps://www.icici.bank.in/personal-banking/accounts/savings-account
  3. Issuer product pagehttps://www.icici.bank.in/personal-banking/ways-to-bank/find-atm-branch/insta-banking/atm-banking/atm-banking-faqs
  4. Issuer product pagehttps://www.icici.bank.in/personal-banking/cards/debit-card/platinum-chip-card
  5. Fee / charge schedulehttps://www.icici.bank.in/personal-banking/payments/money-transfer/charges-limits-timings
  6. Fee / charge schedulehttps://www.icici.bank.in/personal-banking/payments/bill-payments-and-recharges
  7. Issuer product pagehttps://www.icici.bank.in/personal-banking/accounts/savings-account/basic-savings-bank-deposit-account

Bank of Baroda Banking Fees & Charges

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Fee / charge schedulehttps://bankofbaroda.bank.in/interest-rate-and-service-charges/service-charges
  2. Issuer product pagehttps://bankofbaroda.bank.in/accounts/saving-accounts/bob-advantage-saving-account
  3. Issuer product pagehttps://bankofbaroda.bank.in/accounts/saving-accounts/bob-lite-savings-account
  4. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/cards/debit-cards
  5. Issuer product pagehttps://bobworld.bankofbaroda.bank.in/faqs