Faq On Digital Products
How to minimize ATM fraud risk?
Cover Your PIN Code-Always use your hand to cover the keypad when you are using an ATM machine. Hidden cameras can be placed anywhere to steal your PIN number. Never use an ATM machine if there is someone else standing near you and never write your PIN down. It's also important to never give your PIN number to anyone.
Try to Use Familiar ATMs as much possible:-If you use the same ATM frequently, you're more likely to notice if something is wrong with the ATM. For example, your card doesn't swipe as easily, there are errors with the transaction, or the machine just doesn't look right.
Monitor ATM Behaviour:-Pay attention to anything that seems unusual about the ATM. If it is unusually slow or freezes, or asks for your PIN number twice, it has most likely been tampered with. Try using a different ATM just to be on the safe side.’
Never take help from any unknown person inside ATM premises
Don’t write ATM PIN on ATM or ATM cover.
Make habit of changing PIN and Password frequently.How to become Smart Banking customer to avoid fraud risk?
Check Balances Frequently:-Try to make it a habit to check your account balance at least once a week to make sure you are safe. In case your account is skimmed, make sure to inform your financial provider as soon as possible. The longer you wait, the less chance there is that you will get reimbursed.
Temporary Disable ADC products:-Use UCO secure app or Digi-Safe under mBanking plus app and “OFF” the ADC products viz ATM, E-Banking, mBanking Plus when not required. Make this as practice
Set limit for Card:- Always set limit for ATM card as minimum requirement. In case of requirement it can be increased or decreased. The features is available in mBanking plus and UCO Secure app.
Don’t disclose account information:-Bank never ask for ATM card details and OTP. Never share account information to any person.
Save contacts as favourite:-Always save UCO Bank customer care no 1800 103 0123 and concerned Branch official as favourite for reporting fraud issue or inquiry.
Search contact from official website only:-Never search contact from Google or other search engine. Always take contact number from official website of the service provider.I have received mail from Bank/Company regarding ATM renewal/Loan overdue/Lottery winning/Offers etc. Is that genuine?
Always check source of mail from where the mail is coming before processing or clicking the mail. Check domain name is matching with company or not- (Domain name is part of email after @ character.) Like for UCO Bank mBanking department- uco.mbanking@ucobank.co.in
If the domain name is different from the Bank name or company name then don’t proceed for the mail.What if I have disclosed account or ATM information and OTP by mistake?
Call customer care:-Call customer care (1800 103 0123 ) for blocking of ADC channel.
Change ATM PIN:-Change ATM PIN immediately or Hotlist the card.How to use UPI safely?
- Registering in UPI involves SIM binding which mean customer has to send a generated message to a particular number. Always remember when any person request to send SMS to that number don’t proceed.
- UPI transaction is authorised by UPI PIN only so never share UPI PIN.
What if someone linked my account through UPI?
- Call customer care (1800 103 0123 ) for blocking of ADC channel.
or - Contact branch for account freeze
- Use UCO secure and disable UPI.
- Call customer care (1800 103 0123 ) for blocking of ADC channel.
I have blocked my ATM will my UPI is secure now?
No, ATM is used in UPI for setting UPI PIN only. Once UPI PIN is set blocking of ATM doesn’t block UPI. It means fraudster can still make transaction. So blocking of UPI is necessary.
How to check name when I am sending money through UPI?
After entering VPA or mobile no always check name appearing under Banking Name and confirm the same whether you sending fund to genuine person.
I want to receive money through UPI request. Do I need to share OTP or UPI PIN?
For receiving fund UPI PIN or OTP never require. So don’t share OTP or PIN while receiving money.
Who can register for UCO M-Banking?
M-Banking covers all types of deposit & advance accounts with the exception of Illiterate, Deceased, Inoperative, HUF, Club, Society & Association, NRE/NRO and Minor accounts.
Transaction facility is available only in SB, CA(Individual), CC-110 (CC against deposit) and Staff OD accounts having mode of operation as Self, Either or Survivor, Former or Survivor, Anyone or Survivor, Proprietorship and Individual Borrower (in case of Staff OD only). Allowed Mode of Operations include:1,3,5,7, 11, 29, 907.
Other customers can only view the account details and take account statements.Which are the mobile handsets on which m-banking application can be installed?
UCO m-banking application can be installed on mobile handsets with the Operating System (OS): Android and iOS.
How to register for m-banking?
There are two ways of registering for mBanking:-
(a) Self-registration: through mobile application.
(b) Branch can also register existing customer for m-banking using “MBREG” menu option in Finacle. Upon verification by BH/ABH, MPIN/TPIN will be sent as SMS to customer’s registered mobile number.How much fund can be transferred through m-banking?
Type of Payments Application based/WAP based Fund Transfer/Third Party Transfer/NEFT/RTGS/IMPS/Bill Payment/Other services Daily Limit (INR) Quick Payment (without beneficiary registration)
50,000 *
Beneficiary Payment
2,00,000 *
Self-linked account of the customer
5,00,000 *
*For Application/WAP based channel , overall daily limit for third party transfer/NEFT/RTGS/IMPS/Bill Payment/Other Services will be Rs 2,00,000 /-
What is IMPS services?
A. IMPS is Immediate Payment Service is product of National Payment Corporation of India.
B. It enables customers to use mobile banking/Internet Banking/Micro ATM as a channel for accessing their banks accounts and remit funds
C. Making payment simpler just with the mobile number of the beneficiary
D. IMPS offer an instant, 24*7 interbank electronic fund transfer service capable of processing person to person, person to account and person to merchant remittances via mobile, internet.
E. It is a multichannel and multidimensional platform that makes the payments possible within fraction of seconds with all the standards and integrity maintained for security required for even high worth transactions.
Presently, UCO Bank provides facility of IMPS services through UCO mBanking plus app, Internet Banking, Micro ATM.
Presently, IMPS services are availed in following options:
A. Using Mobile number & MMID (P2P)
B. Using Account number & IFS Code (P2A)M-Banking customer has forgotten MPIN/TPIN. How to reset?
TPIN may be reset by customer using “Forgot pin” option available in m-banking login screen or using or user can request branch for reset of PIN.
What will happen when customer changes his/her mobile number?
Branch will have to update the new mobile number of the customer in Finacle. From next onwards, customer will receive OTP for logging into m-banking on his/her new mobile number. Mobile number is the most vital parameter and therefore branches should take all necessary precautions before updating the same in Finacle.
“No account found” error is displayed while logging to m-banking?
There may be issue with Mode of Operation (MOP) given in account associated with m-banking as “01-individual borrower” instead of “1 – Self”; “23-minor” (m-banking is not allowed for minor accounts) or Account is in Freeze Status, etc.
How to get mini-statement of account (for entering one of the last 5 transaction amount during self-registration)?
For getting account mini-statement, customer can give missed call to 9213125125 from registered mobile number. Transaction details will be sent in SMS. Additionally, customer can make use of m-passbook for knowing last 5 transaction details.
PPF account is not showing in m-banking. How to rectify?
Customer should request Branch for linking of PPF to mBanking and E-Banking. Branch will link the same through CBS. PPF account will then start showing in m-banking->My Accounts from next day onwards. In case, PPF account has been shifted from one branch to another, old PPF should be delinked and new PPF should be linked as PPF account no is changed.
One Time Password (OTP) is not being received by customer?
Customer should delete existing UCO Bank SMS. Customer should be advised to restart his/her mobile handset. In case, customer still does not receive OTP in registered mobile number, customer should report the issue to Mobile Banking Department, Head Office at 033-44559459/9084 and send mail from registered mail id to uco.mbanking@ucobank.co.in.
Customer is getting error while transferring funds- “your last transaction could not be processed. Please try later.” What is to be done?
Above error usually occurs due to Invalid Beneficiary Account Number/IFSC Code entry by the customer. Customer should be advised to check beneficiary account details and try again.
Bill payment/recharge transaction was not successful. When will the customer get refund? Where to lodge complaint?
Refund for bill payment/recharge transaction is done on the basis of file received from payment gateway service provider on T+1. In case, bill payment/recharge transaction was not successful, customer’s account will be refunded within 3-5 working days.
How to generate account statement through m-banking?
M-banking user can view/generate account statement by logging into m-banking-> Banking->My Accounts->Account Statement->Select account and time period.
What is IMPS? Is there any charge for making IMPS fund transfer?
Immediate Payment Service (IMPS) has emerged as the most preferred option for instantaneous interbank fund transfers. It is available 24 x 7. At present, Charges for IMPS are as:-
Rs. 3/- upto Rs. 10000/-
Rs.6 for Rs. 10,0001 to Rs. 1,00,000/-
And Rs. 17 for Rs. 1,01,000/- to Rs. 2,00,000/-Branch has changed Mode of Operation in Finacle (or any other change at account level) but customer is still not able to use m-banking. What is to be done?
Whenever any changes are made in CBS (Finacle) regarding Mode of operation, branches should intimate the customer to refresh/ sync accounts after login to Mobile Banking -> Banking -> My Accounts-> Sync or Refresh option.
Similarly sometimes customers complain that updated balance is not reflecting in m-banking/m-passbook application, they may also be advised to refresh/ sync accounts.Is transaction in CC account allowed in m-banking?
In case of CC accounts, transaction facility is available only in CC-110 accounts.
Branches may advise other CC customers to transact using UCO e-banking.What type of services I can use on M-Banking application?
- Fund transfer via IMPS/NEFT/RTGS/UPI/MMID,
- Secure your services by enabling/disabling/limit
- Bill-payment,
- Digital mode of passbook,
- Statement of accounts
- U-cash-Cash withdrawal without physical ATM
- Secure your services by enabling/disabling/limit via UCO Secure
- Opening/Closing of FD/RD/PPF accounts
- Request related to issue/stop Cheque-book, Debit-card, Locker
- View nominee
- Opening of PPF account
- Apply for debit card
- Enrolling to PMSBY/PMJJBY/APY and many more…
What is UPI Services?
UPI or Unified Payments Interface is an immediate real-time payment system that helps in instantly transferring the funds between the two bank accounts through a mobile platform. Hence, UPI is a concept that allows multiple bank accounts to get into a single mobile application. This idea was developed by the National Payments Corporation of India and is controlled by the RBI and IB .
What is “Virtual Address”?
Virtual Address or Virtual Payment Address (VPA) serves as identifier of your Bank account, which means it essentially is the unique name by which your account is recognized. Eg. abc@uco
What precautions do I need to take before transferring money using virtual address?
Correctness and uniqueness of virtual address should be confirmed before transferring money. For eg. abc@uco and abc@upi, these two virtual addresses may belong to two different persons. It is the responsibility of the customer to be absolutely sure of the beneficiary’s credentials before transferring funds.
How many Virtual Addresses can a user have?
At present there is no restriction on the number of virtual addresses a user can have but only one virtual address would be associated with a Bank account at any point of time. Re-issue of same registered virtual address is restricted for 2 years.
Does Single Virtual Address work for all accounts?
No, Unique Virtual Address will be linked to single account only.
Can I link account of other bank by using BHIM UCO UPI app?
Yes, any bank account can be added provided user has same mobile number in other bank’s account also.
Do Users need to disclose ATM – PIN during transaction?
No. ATM pin is never required in UPI during transaction.
Do users need to set U-PIN, i.e., transaction pin at different bank applications for the same account?
No, once U-PIN, i.e., transaction pin is set against any account, it will work in every bank application. This means if any account is registered with U-PIN via any bank application, user is required to add only account. U-PIN will remain the same and can be used on any Bank’s UPI application.
I don't have an account with UCO Bank, but can I still use your UCO UPI app?
Yes, you can download UCO Bank’s UPI app-BHIM UCO UPI from Android Play Store and register any other bank’s account also.
What is the difference between BHIM UCO UPI, BHIM & *99#?
All three products are based on UPI Platform but BHIM UCO UPI is UCO Bank’s product and customer credentials reside with UCO Bank only. BHIM and *99# are NPCI’s product. Customer can transact using any of the above with the same U-PIN (transaction pin) set on any of the three products.
BHIM and BHIM-AADHAAR, are the same?
No. BHIM and BHIM-AADHAAR are two different products.
Can I transfer funds to other Bank?
Yes, you can transfer funds to any Bank instantaneously using:
(a) Virtual Payment Address (VPA)
(b) IFSC and account number
(c) Aadhaar number
(d) Mobile number and MMID
(e) QR code
BHIM UCO UPI is available 24x7 (even on holidays) and functions in similar a manner as IMPS providing instant fund transfer to all Bank accounts.How do I add beneficiary for frequent fund transfers?
User has the option to add beneficiary to whom frequent transfers are to be made. Before transferring funds, beneficiary needs to be activated. User always has the option to deactivate or delete previously added beneficiary.
What is the fund transfer limit through BHIM UCO UPI?
- *99# : Rs 5,000 /- within 24 hours cycle
- BHIM: Rs 20,000 /- within 24 hours cycle
- BHIM UCO UPI: Rs 1,00,000 /- within 24 hours cycle
While adding account in BHIM UCO UPI, I am getting the following error: “XH- ACCOUNT DOES NOT EXIST (REMITTER)”. What is the issue?
Branch user should check if the customer has multiple customer ids or multiple debit card linked with same account and rectify accordingly. Also, if mobile number of the customer is linked with multiple customer ids, UPI registration will not be allowed.
I have registered for BHIM UCO UPI and also linked my UCO Bank account, but I am not able to transfer funds?
Unless U-PIN, i.e., transaction pin is set and customer is able to make balance enquiry, funds cannot be transferred. Always set U-PIN and make balance enquiry before transferring funds. U-pin is to be set only once.
I have forgotten my UPI Login password/pin, how do I reset it?
User should go to “Forgot Password” option present at login screen of BHIM UCO UPI-> Enter OTP sent to registered mobile number-> answer secret question. User can now set new password (login pin).
I have forgotten my secret question/answer also. How do I reset my password?
Customer should send a mail from his/her registered email id, preferably forwarded through branch, to our department at uco.mbanking@ucobank.co.in requesting to inform secret BHIM UCO UPI question/answer. Secret Question/Answer will then be sent through SMS to customer's registered mobile number.
While adding Bank account in BHIM UCO UPI, at the time of authentication using debit card error is coming: “OTP authentication failed". What should be done?
It occurs when OTP limit has been exceeded. If customer has entered wrong OTP 5 times, customer/branch will inform our department, as OTP counter will have to be refreshed from back-end.
New Debit Card has been issued against my account; do i need to register again?
No. But Customer will have to change UPI credentials by logging into BHIM UCO UPI application-> Manage Accounts->Set UPI credentials and enter new debit card's details.
Which reference number should be quoted in case of transaction failure?
User gets a 12 digit reference number (starting with 7) called NPCI RRN for each UPI transaction which should quoted whenever any dispute arises.
What is QR Code in UPI?
Quick Response (QR) Code represents your Bank Account information in an image form which may be scanned for making on-to-one transfer.
How can a Merchant utilize BHIM UCO UPI?
Merchants may simply generate QR code for the account in which they would like to receive payments and paste copies of the same outside their shops. UPI/BHIM (users of all Banks) can simply scan the QR Code (Merchant’s detail will be visible) and make payment. Merchant also has the option to send “collect request” to his/her customers.
What are the types of merchants that can be on-boarded on BHIM UCO UPI?
All Current Account holders are potential customers for onboarding to BHIM UCO UPI. BHIM UCO UPI’s ‘scan and pay’ using QR Code feature is especially useful for Merchants- Petrol Pumps, Retail Shops, Grocery Shops, Various shops at Malls, big market place, as instant credit can be received without sharing Bank account details with the customers.
How can a Merchant take print of the generated QR Code?
For merchants, a simple way to take print of the generated QR code is to send the QR Code to their e-mail address and take print using printer connected to Desktop PC.
The status of fund transfer transaction is appearing as “pending”. What should I do?
Reconciliation of such cases is done within T+2 working days by our department. Based on the discretion of beneficiary bank, either beneficiary’s bank account will get credited or remitter’s bank account will be credited back.
To whom should I contact in case of any query/transactional dispute regarding BHIM UCO UPI/BHIM/*99# reconciliation?
For any dispute/queries related to BHIM UCO UPI transactions, customers/branches may contact us at: Toll Free Customer Care: 1800 103 0123 , Department: 033-44559084/9459.NPCI RRN(12 digit transaction reference number) should be quoted for quick resolution of issues.
UPI ID is blocked/locked. What is to be done?
User should go to “Forgot Password” option present at login screen of BHIM UCO UPI-> Enter OTP sent to registered mobile number-> answer secret question. User can now set new password (login pin).
What is some Key Features of UPI?
* Instant transfer of fund through Immediate Payment Service (IMPS) which is faster than NEFT.
* Since it is completely digital, one can use UPI 24 hours and on all public holidays.
* Single mobile application for accessing various bank accounts.
* Uses Virtual Payment Address which is a unique ID as given by the bank
* Uses Account Number with IFS Code and Mobile Number.Who maintains the repository of virtual addresses?
Virtual Payment Address (VPA) created using BHIM UCO UPI application will be suffixed with @uco (repository with UCO Bank) and VPA created using Bharat Interface for Money (BHIM) application will be suffixed with @upi (repository with NPCI). Similarly, VPA created using some other Bank’s UPI application will be suffixed with that Bank’s code. Repository of VPAs is being maintained by National Payment Corporation of India (NPCI) and individual Banks.
Do I need to know any other Bank account detail besides virtual address for transferring money?
No, fund can be transferred by simply entering correct and unique virtual address of payee.
Can I put a stop payment request for funds transferred by UPI?
No, once the payment is initiated, it cannot be stopped.
What is the timeline to approve a collect request by a payer?
The timeline to approve a collect request needs to be defined by the requester.
In case my mobile is used by another person, will there be any security breach?
In any transaction, the UPI pin would be required which needs to be fed through the mobile at the time of any transaction making it safe and secured.
What if I change my mobile carrier?
No problem at all. You can continue using UPI apps as usual.
What if I change my handset?
If you change your handset, you will need to:
1. Download the PSP app again
2. Register through mobile verification
3. Your VPA will be auto savedWill you ever auto-deduct payments from my account?
We will not auto deduct payments from your account.
How are you getting all my bank A/C information?
This is a feature of the UPI payment platform (built by NPCI - an RBI regulated entity). The UPI platform retrieves the accounts details linked with your mobile number in a masked manner i.e. UPI app can't see all the details. This exchange is done over secure banking networks and we don't store or ever use it.
What if I lose my phone?
If you lose your phone, the UPI-PIN is required to authorize all transactions which will not be known to any third person and hence they will not be able to use the UPI app. In addition, please contact our customer support at your bank in the event you lose your phone.
My UPI transaction has failed but my bank account has been debited?
In case of failures money will be refunded back to your account. Sometimes this takes longer than intended. If you do not receive the refund within 1 hour, please contact customer support at your bank.
What is additional benefit of UPI over IMPS?
UPI is providing additional benefits to IMPS in the following ways:
1. Provides for a P2P Pull functionality
2. Simplifies Merchant Payments
3. Single APP for money transfer
4. Single click two factor authentication
In case of mobile loss, one needs to simply block his mobile number thus no transaction can be initiated from the same mobile number which is a part of device tracking and at the same time UPI pin would be required for any transaction which is not to be shared with anyone.Do Users need to disclose ATM – PIN during UPI Transaction?
No. ATM pin is never required in UPI transaction.
Do users need to set U-PIN, i.e., transaction pin at different bank applications for the same account?
No, once U-PIN, i.e., transaction pin is set against any account, it will work in every bank application. This means if any account is registered with U-PIN via any bank application, user is required to add only account. U-PIN will remain the same and can be used on any Bank’s UPI application.
I don't have an account with UCO Bank, but can I still use your UCO UPI app?
Yes, you can download UCO Bank’s UPI app-BHIM UCO UPI from Android Play Store and register any other bank’s account also.
What is the difference between BHIM UCO UPI, BHIM & *99#?
All three products are based on UPI Platform but BHIM UCO UPI is UCO Bank’s product and customer credentials reside with UCO Bank only. BHIM and *99# are NPCI’s product. Customer can transact using any of the above with the same U-PIN (transaction pin) set on any of the three products.
BHIM and BHIM-AADHAAR, are the same?
No. BHIM and BHIM-AADHAAR are two different products.
Can I transfer funds to other Bank?
Yes, you can transfer funds to any Bank instantaneously using:
(a) Virtual Payment Address (VPA)
(b) IFSC and account number
(c) Aadhaar number
(d) Mobile number and MMID
(e) QR code
BHIM UCO UPI is available 24x7 (even on holidays) and functions in similar a manner as IMPS providing instant fund transfer to all Bank accounts.
What is UCO mPassbook?
UCO mPassbook is digital version of passbook. Where user can view and download account statement.
Who can register for UCO m-Passbook?
All Savings/Current a/c holders including those availing only Loan account can register for UCO m-Passbook by downloading the application from Google Play Store/ App Store. UCO m-Passbook application is available for Loan accounts exclusively also. Linkage of mobile number with UCO Bank account is the only prerequisite.
I am not able to view updated account statement?
Press synchronize button, available at home screen, to view updated digital passbook.
Can UCO m-Passbook application be used offline?
Yes. Once accounts have been synchronized and data has been loaded, UCO m-Passbook application can be used offline, i.e., without Internet also. Balance will be available as per ‘last synchronize date’. Date and time of last synchronization is available at home screen.
I forgot my login password. How do I reset it?
Click on “Forgot Password” button present at login screen-> enter OTP sent to registered mobile number and enter new password.
I have changed my mobile number and not able to view updated passbook?
Customer should link their new mobile number with customer id through base branch and register for UCO m-Passbook as a new user.
Is mPassbook available for other country?
A separate mPassbook app is available for Hong Kong & Singapore customers
What is UCO PAY+ app?
UCO PAY + is an advance digital wallet where user can keep money digitally and also can open account with limited facility.
Who can register for UCOPAY +?
All UCO and non-UCO customers can register for UCOPAY + application using their valid mobile number.
Can I transfer money to other Bank account besides UCO Bank account?
At present, user can transfer money to other UCOPAY + wallet and UCO Bank accounts. Fund transfer to other Bank account is not allowed.
I forgot my login password (MPIN). How do I reset it?
Click on “Forgot MPIN” button present at login screen-> enter OTP sent to registered mobile number, answer secret question and reset login pin.
I don’t remember my secret question/answer. How do I reset MPIN?
User needs to send e-mail to uco.mbanking@ucobank.co.in from registered e-mail id or get the request forwarded through any UCO Bank Branch. User needs to present supporting documents to confirm that the given mobile number belongs to him/her. Secret question/answer will be sent through SMS to user’s registered mobile number.
How is UCOPAY + useful for Merchants?
Merchants can use UCOPAY + for receiving payments from their customers. Merchants may simply generate QR code for the UCOPAY + (e-wallet) in which they would like to receive payments and paste copies of the same outside their shops. Other UCOPAY + users can simply scan the QR Code (Merchant’s detail will be visible) and make payment. Merchant also has the option to send “get money request” to his/her customers.
What is QR Code in UCOPAY+?
Quick Response (QR) Code represents e-wallet information in an image form which may be scanned for making on-to-one transfer.
How to generate QR Code in UCOPAY +?
User can generate QR Code by tapping on to ‘QR Code sign’ available at top left and clicking ‘generate’.
How much fund can be transferred using UCOPAY + in a day?
User can transfer a maximum of Rs 5,000 in a 24 hour cycle.
Is there any charge for transferring funds from UCOPAY + to UCO Bank account?
Yes. Funds transferred from UCOPAY + to UCO Bank account is chargeable.
Where can I view transaction history?
User can view transaction history by clicking plus sign (+) available at bottom-left corner of the home screen and selecting ‘view transaction’ to view/e-mail transaction statement for a particular period.
My Mobile/DTH recharge was unsuccessful but my e-wallet got debited. When will I get refund?
Refund for such cases is usually processed within 2-5 working days.
Whom should branches contact in case of any dispute related to UCOPAY +?
For any dispute related to UCOPAY +, branches may send e-mail at: uco.mbanking@ucobank.co.in
What are benefits of UCO Bank Debit card?
Benefits of UCO bank Debit Card are
- Anywhere, any time cash
- Online Bill Pay, Online Purchase
- Point Of Sale
- Cash at POS
- Cashback Facility *
- Lounge access at Airport*
- And many more …
* Term & Conditions Apply
What are different type of Debit cards issued by UCO Bank?
Variants of Rupay/Visa Debit cards by UCO Bank are
TYPE OF CARD Per Day Cash Withdrawal Limit Per Day Limit in POS/ e-Commerce Transactions Platinum Personalised (Rupay) International Rs 50,000 Rs 1,00,000 Platinum Non-Personalised (Rupay) International Rs 50,000 Rs 1,00,000 RuPay NCMC Domestic Rs.50,000 Rs.1,00,000 Classic (RuPay) Domestic Rs. 25,000 Rs. 50,000 KCC (RuPay) Domestic Rs. 25,000 -- Mudra(RuPay) Domestic Rs 25,000 Rs 50,000 Classic (Visa) International Rs. 25,000 Rs. 50,000 Gold (Visa) International Rs. 50,000 Rs. 50,000 Platinum (Visa) International Rs. 50,000 Rs. 1,00,000 Signature (Visa) International Rs. 50,000 Rs. 2,00,000 EMV (Visa) International Rs. 25,000 Rs. 50,000 Minors - Cards issued to Minors will have limit of Rs. 3,000/- per day and Rs. 15,000/- per month. How to apply for UCO bank Debit card?
Request for Debit Card issuance can be made from any Branch of the UCO bank. Certain Personalised Card(Rupay Platinum Personalised & VISA EMV Card) request can also be made from UCO Bank M-Banking Plus App/ E-Banking portal.
How many cash withdrawal transactions can be done using UCO Bank Debit card and do Bank levy any charge for transactions?
There is no restriction on number of transactions on UCO Bank Debit Card.
No charges to Customer if he usage UCO Bank ATM for transaction. However , In case Customer usage other Bank ATM for transaction then 1st 3 transaction in Metro or 1st 5 transaction in Non-metro are free every month after that Rs 21/- for Financial and Rs 8/- for Non-financial will be charged from customer for each transaction.Whether Debit card can be issued to Children?
Bank will issue Debit Card to children above 10 years .
Can UCO Bank Debit card be used for International Transaction?
For International use of Debit card , Customer has to do at least on transaction in India and has to enable International usage flag of Debit Card through UCO Bank Mobile Plus App or UCO Secure APP.
What to do if I forgot the PIN of UCO Debit card?
Customers can generate new PIN for Debit Card by using ‘Green PIN ‘ option at UCO BANK ATM. The ‘Green PIN’ option is available on the left bottom side of Language selection screen of UCO Bank ATM . Also Customer may contact Branch for duplicate PIN.
What to do if UCO debit card is lost/stolen?
If any debit card is lost or stolen or if PIN is disclosed to a third party, customer can hotlist the card immediately
- by calling UCO Bank Customer Service Hotline at 1800-103-0123 or sending e-mail at uco.custcare@ucobank.co.in
- or through UCO M-Banking Plus APP
- or sending SMS ‘HOT’ to 9230192301 through his/her registered Mobile
Customer can also disable all the services of the card i.e. ATM/POS-E-Comm services through ‘UCO Secure’ App.
What to do if during transaction Account is debited and Cash not dispensed by ATM?
Customer to visit nearest UCO Bank Branch and lodge a complaint in this regard.
What to do if any issue is faced at UCO BANK ATM Machine i.e. ATM is not working, ATM has no cash etc?
Customer to report the issue through WhatssApp on Mobile Number 7596049109 which is displayed at Bank’s each ATMs for resolving customer issues during transactions
What Precaution to take during Debit card usage?
- On receiving Personal Identification Number (PIN) from branch. Customer to change the system generated PIN to a new four digit number of their choice, memorize it and destroy the PIN mailer.
- Customer should not share Card Details/PIN with anyone.
- Customer should update their email and mobile numbers with UCO BANK to get important updates & alerts.
- Customers to change PIN of Debit Card on regular basis (at least once in 180 days) as security precaution.
- By default all debit card Ecommerce Transaction & International Usage will be disabled for all cards. It is responsibility of card holder to enable International usage of debit card before using internationally.
- Through ‘UCO Secure’ or M-banking Plus APP customers can set their Card daily transaction limit for ATM/POS/E-Comm transaction also can enable/disable Domestic/International/ATM/POS/E-comm Services.
What is UCO Internet Banking Service?
UCO Internet Banking is an electronic medium through which our registered users can access various services of UCO Bank at anytime, anywhere through Internet Connection. UCO Bank Customers have online, real time access for different services provided under a complete secure environment, using 128-bit encryption Secure Socket Layer ( SSL ).
Why UCO Internet Banking Service ?
UCO Internet Banking Service opens up an entirely new way of doing your banking, anytime and from anywhere in the country 24 hours a day, 365 days a year right from the comfort of your home or office through internet. It is personalised to meet your requirements. It's fast and convenient with no special software requirement. Our wide range of online banking services will help you better manage your finance. Moreover, Bank will add more services/features for your convenience time to time.
Who can use UCO Internet Banking Service?
Internet banking services can be provided to individual customers of our bank including staff having at least one operative account (Saving Bank account, Current account, Cash credit account, Overdraft Account) with the bank under retail or personal banking. Corporate Internet Banking services can be given to non-individual entities like proprietary/partnership firms/ private limited company having at least one operative account. Minors between the age group of 10 and 18 can avail the Kids internet banking facility with limited features.
Who cannot use UCO Internet Banking Service?
Internet banking services cannot be permitted to illiterate and insolvent person.
What If I do not have a PC?
No problem. You can access it from any computer/laptop/mobile having Internet connectivity.
Is it safe to login from Cyber Café/Office?
Yes, provided you do not disclose your passwords to anyone and logout properly. Bank recommends customer to clear the browser cache after each session so that customer’s account information is removed from used PCs. Virtual keyboard is advisable to protect your password from malicious “spyware”and “Trojan programs” etc. Hence it will reduce the risk of password theft.
Do I have to pay for using this service?
No! There is no extra or hidden charge for using the UCO Internet banking services. This service is absolutely free.
How do I get access to Internet Banking Services?
Retail customers can avail the facility from online as well as offline mode. If the customer is having active debit card then he/she can registered through our website. Retails customer can also avail the same through offline mode by submitting retail e-banking request form to the nearest UCO Bank branch. Corporate customer can apply for internet banking services through offline mode by submitting request corporate e-banking form to the nearest UCO Bank branch.
What if, I do not have an account with UCO Bank?
We shall be glad to have your account with us. Walk in to any one of our branches, our staff will assist you.
How do I get User-Id and password for the Internet Banking Services?
You can get your ebankinguserid and password from your nearest branch where request is submitted.
I want to register for Internet Banking Services . What do I do?
If you are retail/individual customer and having active debit card, then you can registered yourself for internet banking through our website for retail internet banking , In other cases you have to contact your nearest branch and submit application form. eBanking kit will be delivered to the requested branch.
Why are the Passwords so cryptic?
The machine generates passwords for your first time access randomly. It is mandatory to change your passwords at first time login as per your choice.
Can I change the User Id and Password?
It is mandatory to change the system generated passwords with your own choice at first login. You can change your passwords any number of times subsequently, but you cannot change your User Id. It is advisable to change your password frequently. Retail customer is having facility to change his/her userid during first time login only.
How to change passwords?
Password can be changed any time and any number of times by the user at his/her own choice in customer profile. System asks the user to change the same once in 365 days cycle otherwise it will be expired. It is recommended password should be strong means it should contains alphanumeric, special characters.
What are the good practices for creating a password?
You are requested to choose a password that is not a dictionary word and not guessable from your personal information known to others such as names in the family, vehicle numbers, date of birth etc. You should change your password frequently. Please try to remember the password and do not write it down or paste it somewhere.
Security Warning :
Your User Id and Password are highly confidential. Do not part share it with anyone. UCO Bank will never ask for this information. Hence, Do not tell your password to anyone even if they claim to be from the bank.I am unable to login with the couriered Password and allotted Customer ID.
Passwords are case sensitive. Also be a little more careful while typing the system-generated passwords for the first time. In case you are still not able to login, Please contact your branch or write to us at hoe_banking.calcutta@ucobank.co.in/uco.custcare@ucobank.co.in
What happens if I forget my User Id for Internet Banking Service / Internet Banking?
In case you forget the User Id for Internet Banking Services, please contact any nearest UCO Bank Branch.
What happens if I don't logout?
Please ensure to logout when you finish using the UCO Internet Banking Service.
Security Warning :
We strongly recommend not to leave your system in between during uses of Internet Banking, as this will give opportunity to others around you to operate your accounts.Can I use the Mailbox to send e-mails to my friends?
No! The mailbox is only for communication between you and UCO Internet Banking Service.
What is the default limit for internet banking ?
Present e-Banking transaction limit for Retail and Corporate customers are as under:
Service Type NEFT RTGS OWN Account 3rd Party Bill Payment Per Txn Per Day Per Txn Per Day Per Txn Per Day Per Txn Per Day Retail Users 15Lacs 15Lacs 15Lacs 15Lacs 15Lacs 15Lacs 10 Lacs 10 Lacs Corporate Users 25 Lacs 50 Lacs 10 Lacs 50 Lacs 10 Lacs 50 Lacs 20 Lacs 20 Lacs Whether limit can be enhanced?
Internet banking transaction limit can be enhanced. Please contact your base branch.
Can cash credit account holder avail internet banking ?
Internet banking facility is also available for cash credit account holder.
Is fund transfer facility is allowed in cash credit account through internet banking?
Fund transfer facility is allowed in cash credit account except self -linked transfer and online bill payment
UCO mBanking Plus Registration
Password Change
Bill Payment
UCO SECURE
