Union Bank of India IMPS Charges

Last Updated : July 5, 2025, 12:17 p.m.

In the dynamic world of digital banking, Union Bank of India IMPS charges are a key consideration for customers seeking fast, secure, and cost-effective fund transfers. Immediate Payment Service (IMPS) enables Union Bank of India (UBI) account holders to transfer money instantly, 24/7, including weekends and holidays, making it ideal for urgent transactions. This article provides a comprehensive guide to UBI IMPS charges 2025, transaction limits, and steps to perform IMPS transfers.

Union Bank of India IMPS Fees in 2025

Union Bank of India maintains a competitive fee structure for IMPS transactions, with charges varying based on the transaction amount. As of 2025, the Union Bank of India IMPS fees are as follows, based on available information:

• Up to ₹1,000 : NIL
• ₹1,000 to ₹10,000 : ₹2.25 + GST per transaction
• ₹10,000 to ₹1,00,000 : ₹4.75 + GST per transaction
• ₹1,00,000 to ₹2,00,000 : ₹14.75 + GST per transaction
• ₹2,00,000 to ₹5,00,000 : ₹24.75 + GST per transaction

Key Points :

• Outward IMPS Transactions : The above charges apply to funds sent from a UBI account.
• Inward IMPS Transactions : No charges for receiving funds.
• Mobile and Net Banking : IMPS transactions via the Union Mobile Banking app or Union Net Banking may be free for certain account types, such as premium or priority banking customers, as per bank promotions.
• Branch-Based IMPS : Additional service fees may apply for transactions initiated at a branch; confirm with the nearest UBI branch.
• GST : Standard GST rates (18%) are applicable on all mentioned charges.

Key Features of Union Bank of India IMPS

• 24/7 Availability : Transfer funds anytime, including bank holidays and weekends.
• Instant Transfers : Funds are credited to the beneficiary’s account within minutes.
• Secure Transactions : Uses OTP-based authentication, MPIN, and 128-bit SSL encryption for safety.
• Flexible Options : Transfer using Mobile Money Identifier (MMID) and mobile number (P2P) or IFSC code and account number (P2A).

Union Bank of India IMPS Transaction Limits

Union Bank of India aligns its IMPS transaction limits with NPCI and RBI guidelines to ensure security and compliance. The IMPS transfer limits for UBI in 2025 are:

• Maximum Daily Limit : ₹2,00,000 (via mobile banking or net banking).
• Per Transaction Limit : Up to ₹2,00,000, depending on account type and customer profile.
• Minimum Transaction Amount : ₹1.
• MMID-Based Transfers (P2P) : Limited to ₹10,000 per day for added security.
• New Beneficiary Transfers : Maximum ₹10,000 on the first day of beneficiary activation.

To verify specific limits for your account, log in to Union Net Banking or the Union Mobile Banking app, or contact customer support at 1800 208 2244.

Benefits of Using Union Bank of India IMPS

• Affordable Fees : Low charges, starting at ₹2.25 + GST for transactions up to ₹10,000.
• Instant Transfers : Funds are credited within minutes, ideal for urgent payments.
• Secure : OTP or MPIN authentication and SSL encryption ensure safety.
• Convenient : Accessible via mobile app, net banking, or branches.
• 24/7 Availability : Transfer funds anytime, even on holidays.
• Versatile Uses : Pay utility bills, credit card bills, or make online purchases.

Security Tips for Union Bank of India IMPS Transactions

• Protect OTPs and MPIN : Never share your-clear OTP or MPIN with anyone, as they are critical for transaction authentication.
• Use Secure Networks : Avoid public Wi-Fi for mobile or net banking transactions.
• Log Out : Always log out after completing transactions to prevent unauthorized access.
• Monitor Accounts : Regularly check your transaction history for suspicious activity.
• Use Official Channels : Access IMPS services only through UBI’s official website or Union Mobile Banking app.
• Report Phishing : Immediately report suspicious emails, SMS, or calls to [email protected].

Conclusion

Union Bank of India’s IMPS service offers a fast, secure, and affordable way to transfer funds instantly, with IMPS charges starting at ₹2.25 + GST for transactions up to ₹10,000 and a maximum daily limit of ₹2,00,000. Leveraging the Union Mobile Banking app or Union Net Banking ensures seamless, cost-effective transfers. Embrace the convenience of IMPS for real-time, hassle-free fund transfers across India.