Advocates of baptismal regeneration point to Scripture verses such as Mark 16:16, John 3:5, Acts 2:38, Acts 22:16, Galatians 3:27, and 1 Peter 3:21 for biblical support. And, granted, those verses seem to indicate that baptism is necessary for salvation. However, there are biblically and contextually sound interpretations of those verses that do not support baptismal regeneration. Please see the following articles:
Advocates of baptismal regeneration typically have a four-part formula for how salvation is received. They believe that a person must believe, repent, confess, and be baptized in order to be saved. They believe this way because there are biblical passages that seem to indicate that each of these actions is necessary for salvation. For example, Romans 10:9–10 links salvation with confession. Acts 2:38 links salvation with repentance and baptism.
Repentance, understood biblically, is required for salvation. Repentance is a change of mind. Repentance, in relation to salvation, is changing your mind from rejection of Christ to acceptance of Christ. It is not a separate step from saving faith. Rather, it is an essential aspect of saving faith. One cannot receive Jesus Christ as Savior, by grace through faith, without a change of mind about who He is and what He did.
Confession, understood biblically, is a demonstration of faith. If a person has truly received Jesus Christ as Savior, proclaiming that faith to others will be a result. If a person is ashamed of Christ and/or ashamed of the message of the gospel, it is highly unlikely that the person has understood the gospel or experienced the salvation that Christ provides.
Baptism, understood biblically, is an identification with Christ. Christian baptism illustrates a believer’s identification with Christ’s death, burial, and resurrection (Romans 6:3–4). As with confession, if a person is unwilling to be baptized—unwilling to identify his/her life as being redeemed by Jesus Christ—that person has very likely not been made a new creation (2 Corinthians 5:17) through faith in Jesus Christ.
Those who contend for baptismal regeneration and/or this four-part formula for receiving salvation do not view these actions as meritorious works that earn salvation. Repenting, confessing, etc., do not make a person worthy of salvation. Rather, the official view is that faith, repentance, confession, and baptism are “works of obedience,” things a person must do before God grants salvation. While the standard Protestant understanding is that faith is the one thing God requires before salvation is granted, those of the baptismal regeneration persuasion believe that baptism—and, for some, repentance and confession—are additional things God requires before He grants salvation.
The problem with this viewpoint is that there are biblical passages that clearly and explicitly declare faith to be the only requirement for salvation. John 3:16, one of the most well-known verses in the Bible, states, “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.” In Acts 16:30, the Philippian jailer asks the apostle Paul, “What must I do to be saved?” If there was ever an opportunity for Paul to present a four-part formula, this was it. Paul’s response was simple: “Believe in the Lord Jesus Christ and you will be saved” (Acts 16:31). No baptism, no confession, just faith.
There are literally dozens of verses in the New Testament that attribute salvation to faith/belief with no other requirement mentioned in the context. If baptism, or anything else, is necessary for salvation, all of these verses are wrong, and the Bible contains errors and is therefore no longer worthy of our trust.
An exhaustive study of the New Testament on various requirements for salvation is not necessary. Receiving salvation is not a process or a multi-step formula. Salvation is a finished product, not a recipe. What must we do to be saved? Believe in the Lord Jesus Christ, and we will be saved.