UCOPAY+ wallet is a app for all the Bill Payment/Recharge needs of the customer. It is a semi-closed prepaid wallet where you can load money and spend it for your Mobile recharge/ DTH recharge/various utility Bill Payments including Gas, Electricity, Insurance, Mutual Funds, etc., sending money to your near & dear ones.

Getting money from your pals or paying money to your pal’s wallet/UCO Bank account can’t be easier than this. It provides facility of QR Code scanning of merchants and doing quick payment. You can check all transaction statement and send it to your Email-ID.


Any Indian National of age more than 18 years is allowed to register for UCOPAY+ wallet.

Registration Steps

  • Download (Android / IOS) & install the UCOPAY+ Application from Play Store/ Market place for Android/ iOS phones.
  • Open the Application and enter your mobile number which need not be the one which is registered with UCO Bank andpress Submit.
  • Fill in your First Name, Last Name, Gender, Date of Birth, Email-Id and Document Type, Document for verification and Proceed.
  • One OTP will be sent to the mobile number you entered.
  • Enter the OTP and set your 4-digit MPIN & TPIN.
  • Select a secret question and put in the answer and Proceed.
  • Enter your MPIN.
  • Tap on OK on the pop-up.


  • Instant online Account opening.
  • Video KYC Facility also available.
  • Immediate availability of online transactions.
  • Virtual wallet.
  • Bill Payment.
  • BBPS.
  • Virtual Card.

Features Available

  • Add MoneyGet Money
  • Pay Money
  • Bill Pay
  • Mobile/DTH Recharge
  • Requests Received
  • Create your Favourite Pals
  • Scan & Pay
  • Other features


Wallet fund Transfer Charges in UCO PAY + Wallet

Signing up for UCO PAY +Wallet


Load in UCO PAY+ wallet


a. Using Debit Card/IMPS


b. Using Net Banking

1% of transaction amount + applicable GST

Money Transfer


a. Wallet to Wallet (W2W)


b. Wallet to Bank account (W2A)

2% of transaction amount +applicable GST (min ₹ 4.24 + GST)

Mobile recharge/DTH Recharge/Data Card Recharge/Bill payment/Online Payment using Wallet/vouchers and other added services miscellaneous


Cash loading/Wallet Top-Up


For Non-KYC customer

Total debit should not exceed Rs.10000 in the month

Total deposit in Financial Year Rs 1 lac

Amount outstanding shall not exceed Rs 10k at any time

No Fund transfer to Account as well in other wallets

After 12 months fund loading will not be allowed


For KYC customer

Per beneficiary 1 lakh monthly

Amount at any time should not exceed 1 lac at a time

Cooling period before payment 4 hours

Fund transfer to Pre – registered Beneficiary. Number of Beneficiary added in a day 3

Limit can be set – beneficiary wise maximum RS 5,000/-

Deactivate such wallets where transaction does not happen in 1 year

As per RBI guidelines, Non-KYC UCOPAY+ users are restricted from doing fund transfer to any other wallet or Bank account. Once KYC is completed, the customer can do fund transfer up to 50000/- in a month. In order to do fund transfer, the customer has to add beneficiary and wait for cooling period of 4 hours.

For NON KYC UCOPAY+ customer completed 1 year, no further fund loading will be allowed. However, the customer can use existing funds for Recharges/ Bill Payments.


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