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Union Bank of India Mobile Banking

Union Bank of India Mobile Banking

With smartphones ruling the roost in our daily lives, it can indeed be very convenient if banking facilities can also be accessed via smartphones. Union Bank of India has addressed this requirement with the introduction of their very own mobile banking service called UMobile. The UMobile service is a unique service which has been designed to offer customers the facility to not only access but also use banking facilities from anywhere, anytime they need. With the help of the UMobile service, customers can carry out a wide range of actions related to their bank account. These include viewing of bank account details, viewing transaction details, transfer funds not only to UBI accounts but also non-UBI accounts, check account balance, get a mini account statement, print out their account statement, make online purchases and utility bill payments, make donations, make KVS fee payments, give stop cheque instructions, find out their cheque status, request for a new cheque book, find out nearest ATM locations, among many other actions.

The UMobile service is available not only on SMs but also via GPRS. The payment channels in this service are completely secure and do not allow any compromise of the user’s personal and sensitive information. For added convenience of customers not having smartphones, the mobile banking service can also be accessed via SMS.

Features & Benefits of UMobile Service

There are plenty of features which are offered by the UMobile service. Here are some of those.

  • Check the balance in your account from your mobile banking facility.
  • The UMobile facility is provided free of charge to all eligible users.
  • You can get a mini account statement and even get a history of your last 9 transactions.
  • Online Fund Transfer - Transfer funds easily, securely and swiftly with the mobile banking facility. you can transfer funds to other UBI accounts, from one mobile number to another of 2 registered customers, from mobile number to any UBI account and to accounts held with other banks via NEFT.
  • Make instant funds transfer via IMPS using your mobile number and MMID, using your account No. and IFSC and using your Aadhaar number. You can also transfer money via IMPS to merchants. You can transfer a maximum of Rs. 2,00,000/day via the UMobile application and Rs. 5000/day using SMS Banking.
  • Generate MMID and OTP for transactions.
  • Make a variety of online payments via mobile banking such as payments of KVS Fees, mobile recharges, donations to temples, and other fees.
  • Send various cheque related requests via mobile banking such as stop payment on a cheque, find out cheque status, request for a new cheque book.
  • You can also hotlist your debit card via mobile banking and also find out the nearest ATM locations.
  • Change your mPIN with the UMobile service.

Eligibility for UMobile Service

All customers who hold a savings account, current account or overdraft account with UBI and also have a debit card linked to their account are eligible for using the UMobile banking service. Customers must have complied with KYC norms to open these aforementioned UBI accounts. Also, in order to use the mobile banking service, customers must have a debit card linked to their UBI account and a java enabled handset or smartphone.

Registering and Applying for UMobile Service

UBI customers who hold a debit card linked to their account can easily register for the UMobile service at any UBI ATM, on the UBI website or by approaching a UBI branch. Once you have successfully registered, you will be provided with a 4-digit mPin which will be used to access and use the mobile banking service.

Union Bank of India Mobile Banking FAQs

  1. How do I get the UMobile app on my mobile phone?

    To access the UMobile app, you must first download it on your phone from the app store. You can also download the app with the help of the link that will be provided to you at the time of registration. Alternately, you can download the app by following the instructions after you give a missed call to 09223060000 from your mobile phone.

  2. What’s the difference between the UMobile app and the SMS Banking service provided by UBI?

    With the UMobile service, you an perform a wide range of banking related actions and functions such as transferring money, online payments, view account statement, etc. The SMs banking service is only meant for the purpose of making enquiries and receiving alerts for account activity.

  3. How do I check my balance using UMobile?

    To check you balance, go to the ‘balance enquiry’ section on the service, enter your mPIN and send the message.

  4. I have forgotten my mPIN. What do I do to get a new one?

    If you wish to receive a new mPIN, you need to call on the bank’s toll free number (1800 2222 44) or send an email at mbteam@unionbankofindi.co.in for assistance.

  5. Is it necessary to have a credit card to make payments via UMobile?

    No. to make payments, you need to have your mobile number linked to the mobile banking facility. Payments will be directly deducted from your linked bank account.

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GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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