Union Bank of India Mobile Banking: Union Bank of India has launched a Mobile Banking App for its customers. Union Bank of India (U-Mobile) Mobile Banking Application helps its account holders to avail themselves of banking services anywhere and anytime. There are mobile banking apps offered by Union Bank of India that allow users to access a wide range of banking facilities from the convenience of their homes.
Mobile banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions using a device such as a smartphone or a tablet. It works through the app. Mobile banking is generally available on a 24-hour basis. But some financial institutions have restrictions on which accounts can be accessed through mobile banking, as well as limits on the amount that can be transacted.
Mobile banking reduces the cost of handling transactions by reducing the need for customers to visit a bank branch for non-cash withdrawal and deposit transactions. Mobile banking does not handle cash transactions and requires the customer to visit an ATM or bank branch to withdraw or deposit cash.
Mobile banking has simplified our financial operations by providing most of the banking-related services through mobile devices like smartphones, tablets, laptops, etc. The advent of mobile banking has made processes like money transfer, payment, balance inquiry, deposit, etc.
Union Bank of India Mobile Banking Registration Process
Union Bank of India Mobile Banking App can be activated using a debit card, for this account holders need to follow the steps mentioned below:
Step 1. Visit Google Play Store or Apple App Store to download the Union Bank of India Key (U-Mobile) mobile banking app
Step 2. After successfully downloading and installing the app, open it and read the description and click on “Proceed“.
Step 3. Select the SIM to send SMS from your registered mobile number
Step 4. Now enter your Debit Card details and mobile number and click on the “OK Button“.
Step 5. Read the acknowledgment and click on the “Proceed” option to generate the login password.
Step 6. Enter Password and re-enter a password to confirm the log-in password. Then click “OK” to proceed
Step 7. Your Mpay application will be activated and now change the MPin before starting the transaction
Step 8. Enter old MPIN, New MPIN, and re-enter it to confirm. Click on the “OK” option
Note:- After successful activation of UBI Mobile Banking, account holders can easily log in to the Union Bank Mobile Banking App and use their mPIN to avail of any banking service available.
Union Bank of India Mobile Banking Log-in Process
To log in to the Union Bank of India Mobile Banking App, follow the steps given below carefully
Step 1. Launch the app U-Mobile
Step 2. Choose the language of your choice
Step 3. Now enter your registered mobile number
Step 4. Then enter your registered mobile number to proceed.
Step 5. After a verification message is sent to your registered mobile number, you will be given a list of services that you can avail of.
Step 6. If your number is not registered with Union Bank, you will get the option to avail BHIM UPI facility only.
Step 7. If your mobile number is registered then you will get the option of mobile banking.
Step 8. Then click on Mobile Banking Services and go to the login page.
Step 9. Now enter your login password or mPIN to access Union Bank’s mobile banking services.
How to Change MPIN ?
MPIN is a secure numeric code with which we log in to our account. If due to any reason you forget or want to change your MPIN, you can do so by following the steps given below
Step 1. First of all, open the Union Bank app and go to the login page
Step 2. Then select the option “Forgot Login PIN”
Step 3. After selecting this option, you will be asked to authenticate your account through net banking credentials or debit card details. Select any one of the appropriate options.
Step 4. After selecting one of the options, you will be able to reset the login PIN/MPIN and log in to the app.
Features of Union Bank of India Mobile Banking
- Mini statement
- Balance enquiry
- Balance Enquiry (Pre-login page)
- Mini Statement
- View Nominee
- View Average Balance
- Pay Loan EMI
- Fund Transfer
- Using Immediate Payment Service (IMPS) upto Rs 5.00 lakhs
- Using National Electronic Fund Transfer (NEFT) to other banks
- Using Unified Payment Interface (UPI)
- Quick Fund Transfer upto Rs 50000 cumulative in a single day
- Share Transaction Receipt
- Download Statement
- Bill Payment
- Cheque Status Enquiry/Stop payment of Cheque
- Open Fixed deposit online
- Open Public Provident Fund account (PPF)
- Open Sukanya Samriddhi account (SSA)
- Open Green Deposit
- Locate nearest ATM/Branch
- Enroll for Govt Schemes: PMJJBY / PMSBY
- Calculator: Deposit calculator / Loan EMI calculator
- Debit Card
- Generate Debit Card PIN
- Payment Channel setting
- Hotlist Debit Card
- Credit Card
- Pay pending dues
- Payment Channel setting / Limit setting
- Convert to EMI
- Generate Credit Card PIN
- Credit Card Hotlisting
- Set Standing Instructions
- Personalize Transaction Limits
- Reset Login PIN/Transaction PIN
- UPI (Unified Payment Interface)
- Create new UPI ID
- Pay using UPI
- Collect using UPI
- Share QR code
- Create One Time Mandate on UPI
- Door Step Banking
- Apply for Loans
- Apply for Locker
- Cheque Positive Pay
- Gold Loan Calculator
- Check your account balance with the help of your mobile banking facility.
- UMobile facility is provided free of cost to all account holders.
FAQ of Union Bank of India Mobile Banking
Am I eligible to use the UMobile service of Union Bank?
Customers of banks having SB/CD/OD accounts and having valid Debit Card/Internet Banking credentials or Branch Token can avail UMobile services. The account must be KYC compliant. Companies, trusts, HUF, and Partnership Firms are not eligible to avail UMobile services.
How can I register for UMobile?
You can register for UMobile after downloading of UMobile app from Google or Apple Playstore. After downloading the UMobile app, customers can register using any of the methods such as Debit Card, Internet Banking credentials, or Branch Token.
What are the basic requirements in order to avail of the mobile banking services of the bank?
You need to have a Smartphone, Active mobile data/Wi-Fi, Debit Card/Internet Banking, or Branch Token. You can register through Wi-Fi for Mobile Banking only. For activating UPI services, Active mobile data is required.
How do I get an MPIN?
After successful registration, MPIN will be sent to the registered number by SMS which needs to change through the app to continue using the mobile banking services.
How many accounts can I link to my mobile?
Post successful registration, customers will get the accounts linked to the same customer ID, wherever set as primary.
How safe and secure is UMobile?
UMobile is a secure application that conforms to RBI-recommended standards of security.
I want to make payment for my Housing Loan EMI. Can I pay using UMobile?
You can pay your housing loan EMI by navigating to Loans/Pay Loan EMI.
I want to disable my debit card for ecom transactions. Is any service available in UMobile?
You can disable/enable ecom/PoS transactions by navigating to Debit Card in UMobile.
I am a senior citizen and want to invest some money in fixed deposits. Can I do so without visiting the branch?
Yes, you can now open a fixed deposit through the UMobile app.
Do you have any apps for UPI services?
UPI services can be availed on UMobile by creating a UPI ID and setting UPI PIN.
How can I do a balance inquiry using UMobile?
All you need to do is Go to the Accounts section and click on the account. Alternatively, you can select any of your operative accounts as Primary Account and do balance inquiries on the pre-login page itself.
How can I transfer money to a third party using UMobile?
For transferring money, you can navigate to the “Fund Transfer” page. Fund Transfer can be made either by adding the third party as Beneficiary or using Quick Fund Transfer without adding as beneficiary.
How do I add a third party as a beneficiary?
For adding a third party as a beneficiary, you can visit Fund Transfer and then click on the Manage Payee option to add a beneficiary.
I do not want to add a third party as a beneficiary. Can I still make a fund transfer?
Fund transfer without adding a third party as beneficiary can be done using Quick fund Transfer with a cap of a maximum of Rs50000 per transaction.
What is the maximum amount that I can transfer in a day?
You can transfer a maximum of Rs2, 00,000/- using UMobile outside Bank in a day. The various limits can also be viewed by navigating to “Fund Transfer” in UMobile.
What are the charges for using UMobile services?
At present, there are no charges to customers for using UMobile services.
What shall I do if I want to de-register for UMobile services?
You can de-register by navigating to “Deregister” under the hamburger menu in UMobile or through Call Centre.
I cannot view my full 15 digit account number in UMobile?
The account number is masked by default to prevent shoulder surfing. You can click on unmask icon and view the full 15 digit account number.
I have forgotten my Login PIN. What do I do?
You can set your Login PIN once again by visiting the “Forgot Login PIN” icon on the login
What are the various types of Bill payments that can be made using UMobile?
Bills can be paid for Utilities such as Electricity, Water Tax, Mobile Recharge, DTH payment, etc. Further, new utility categories as and when added by NPCI under the BBPS platform will appear under Bill Payment.
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