UCO Bank Mobile Banking App

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 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	Primary Features
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
UCOPAY+	·         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
UCOSECURE	·         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 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	·         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 ·         Recurring Deposit
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

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.

Step-2 Registration

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.

Step-3 Activation

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.

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

View Balance

The available balance in your account shall be displayed on the opening page itself.

IMPS

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.

Account Statement

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.

Request Menu

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

Also read: WhatsApp Banking by UCO Bank

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.

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 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.

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	Daily Limit
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.