Mobile banking apps aim to provide you the banking services from the comfort of your home or office. It saves your time and efforts. The UCO Bank mobile banking app is not limited to fund transfers, but it provides features to pay utility bills, order food, book a cab, make e-commerce purchases, and pay an insurance premium, to mention a few.
Services Provided by UCO Bank Mobile Banking Application
Below are the services provided by UCO Bank mobile banking app:
UCO Bank Mobile Banking Services
|View Available Balance||Recurring Deposit||Revoke Cheque|
|Link Debit Card||Hotlist Debit or Credit Card||Fund Transfer using Bank Account|
|Link Credit Card||E-banking blocking||Fund Transfer using a Mobile number|
|Scan and Pay||Aadhar Seeding||IMPS Payments|
|View Account Statement||Cheque Status||Mobile Recharge|
|Term Deposit||Stop Cheque||Utility Bill Payments|
UCO Bank Mobile Banking Apps
UCO Bank has launched many mobile apps for the convenience of the customers. Based on your preference you can use any one or more apps of your choice.
UCO Bank App
|UCO mBanking||· Complete mobile banking app from UCO Bank|
· NEFT, RTGS, IMPS transactions
· View balance, account statement, stop payment of cheque, and utility bill payments
|UCO mPassbook||· This app is an electronic passbook of your UCO bank account in mobile|
· View account statement as per date, amount, type and more
· Account and bank branch details
· Personal ledger
· Download account statement
|· This app is Your Mobile Wallet from UCO bank|
· Add, Send and Receive Money
· Bill payment and recharge
· Scan and Pay
· Open instant account
|BHIM UCO UPI||· UPI(Unified Payment Interface) based mobile app|
· Create and manage your VPA(Virtual Payment Address)
· Instant fund transfers without beneficiary registration
· Pay and Collect request
· Scan QR Code
|· The banking app that empowers you to block the digital services temporarily and unblock when you wish.|
· You can activate/deactivate debit card, credit card, e-banking, m-banking, BHIM UCO UPI, UCOPAY individually.
· You can also block all digital services at once and unblock when you need again
UCO mBanking App
UCO mBanking is the flagship banking app from UCO Bank. It is meant for your every banking need – right from viewing your balance to fund transfer. Moreover, you can manage your debit card, pay the utility bill and recharge your prepaid mobile.
|UCO mBanking Mobile App||Features|
|· View Account Balance|
· View Account Statement
|Fund Transfer||· NEFT, RTGS and IMPS Transfer|
· Scan QR Code and pay
|Add Beneficiary||· Add new Beneficiary with IFSC and bank account number|
· Manage Beneficiary
|Fixed Deposit||· Open New Fixed Deposit|
· Manage Fixed Deposits
|Security||· Hotlist Debit Card|
· E-banking blocking
· Stop payment of the issued cheque
· Revoke cheque
|Bill Payment||· Electricity Bills|
· Gas Bills
· Prepaid Recharge
· DTH Recharge
|Services||· ATM/Branch locator|
· Pradhan Mantri Mudra Yojana
How to Use UCO Bank mBanking App
Step-1: Install UCO mBanking App
Your first step to avail mBanking services from UCO bank is to download and install the app from play store.
You can enter the mobile number in the given box of the app. If your mobile number is already registered, the app will prompt you to enter user ID and password. At appropriate stages, the bank will send you OTP (One Time Password) to check the authenticity of the user.
In case your mobile number is not registered, the app will ask you simple questions like any transaction (from last five transactions) details – amount, date and type (debit or credit). You can enter the details to validate yourself. Upon successful validation, you can register your desired mobile number with the bank.
Once your number is registered with the bank’s system, you can proceed for the activation process. You can enter your debit card details, and the system will send you OTP (One Time Password). After successful authentication, you can set your MPIN (login password) and TPIN (Transaction password) to use the app.
With user id, MPIN and TPIN, you are ready to use the app.
UCO Bank mBanking App – User Guide with Key Features
Login to the app
After successful activation of the mBanking App on your mobile, you can log in with user id and MPIN. Upon successful login, you are ready to use the App
The available balance in your account shall be displayed on the opening page itself.
With IMPS, you can carry out financial transactions on a 24x7x365 basis, irrespective of banking holiday or working day.
Scan and Pay
Scan QR code of your merchant, you can scan and make payments to your merchant. There is a one-time registration process to link your debit card with the app to utilize this feature.
Avail quick access to your recent transactions through the account statement tab. You can also get customized statement based on date range on your email.
Carryout range of transactions like
- Open new Fixed Deposit,
- Recurring Deposit
- Hotlist Debit Card
- E-Banking Blocking
- Aadhar Seeding
- Check Status
- Stop Payment of Cheque
- Revoke Cheque
Bill Payment and Mobile Recharge
Conveniently pay your utility bills like electricity bills, gas bills, postpaid phone bills and recharges of prepaid mobile and DTH services.
After you register the billers, the repeat transactions are even faster, allowing you to pay with minimal efforts.
Advantages of UCO Bank mBanking App
With UCO Bank mBanking App, you can carry out most banking transactions from the comfort of your home. It saves your time, money and efforts. Moreover, you can accomplish banking tasks in between of your routine task — for example, no need to postpone your banking transactions while travelling. You can pay your electricity bill when you are waiting at an airport or railway station. Hence, it gives you overall freedom to give yourself the best quality time.
BHIM UCO UPI – Payment App from UCO Bank
BHIM UCO UPI is the payment app based on the latest banking technology in India, called Unified Payment Interface (UPI). You can also add your non-UCO Bank accounts in the app to carry out every financial transaction from a single app.
The main feature of BHIM UCO UPI is as below:
|BHIM UCO Mobile App||Features|
|UPI(Unified Payment Interface)||· No waiting time to get credit for your money.|
· The payee gets registered almost instantly.
· Support Push and Pull requests to send and receive (collect) money respectively.
|VPA(Virtual Payment Address)||· The choice to create your unique VPA.|
· You can link other banks’ accounts if a registered mobile number is the same.
· A secure and faster way to transact.
|View Balance||· View available balance in your UCO bank account.|
· If other bank accounts are linked, you can view the available balance in that accounts as well.
UCO Bank Mobile App mBanking FAQs
What are the charges for UCO mBanking App?
There is no charge to install and use the app. Some financial transactions may attract charges according to RBI guidelines. Moreover, your telephone operator may charge you for data usage by the app.
Is there any limit to transfer the fund by UCO mBanking app?
Yes, there is a daily limit to transfer the fund for security reasons. Below is the summary.
Type of Payment
|Without Beneficiary Registration||INR 50,000|
|Registered Beneficiary Payment||INR 2,00,000|
|Self-linked Accounts||INR 5,00,000|
In case you need to transfer more fund, you can approach the branch for unlimited transfer, subject to the available balance in your bank account.
What is eligibility criteria to use the mBanking app from UCO bank?
Any account holder of UCO bank having Savings Account, Current Account or CC against bank deposit can utilize mBanking app from UCO Bank. Moreover, your account must be linked to your mobile number to use the app. Before activation of the app, it is necessary to use your debit card at least once in the ATM so that you can avail full-fledged services on your UCO mBanking App.
Why does the app ask OTP every time you log in?
The latest trend is to apply two-factor authentication to allow the usage of digital services. This action ensures any unauthorized use of the app. Once you enter your login id and password, you will be sent OTP (One Time Password) on your registered mobile number, that you can enter into the app.
What are the language options in UCO mBanking app?
At present, the UCO mBanking app is available in English and Hindi. You can switch to either language by selecting a desired option inside the app.
What happens if my mobile is switched off during a transaction?
The transaction over UCO mBanking app is secured through various security layers. On your part, you have to check the debit entry in the account statement. If the account is debited, no further action is required at your end. In case the transaction doesn’t complete, the money will be refunded back to your account. If your account is not debited, you can perform the transaction again.