UCO Bank Mobile Banking

Last Updated : May 6, 2025, 6:34 p.m.

UCO Bank Mobile Banking is a digital banking service offered by UCO Bank, one of India’s leading public sector banks, designed to provide customers with convenient, secure, and 24/7 access to their accounts through smartphones. Available primarily through the UCO mBanking Plus and BHIM UCO UPI apps, it enables users to perform a wide range of financial and non-financial transactions, such as fund transfers, bill payments, balance inquiries, and fixed deposit management, without visiting a branch.

With a user-friendly interface, multilingual support, and robust security features like MPIN, TPIN, biometric authentication, and OTP verification, UCO Bank Mobile Banking caters to both tech-savvy users and those seeking simplicity, ensuring seamless financial management.

Types of UCO Bank Mobile Banking

Below are the types of UCO Bank mobile banking available and their features.

UCO Bank Mobile Banking Registration

To register for UCO Bank Mobile Banking using the UCO mBanking Plus app or BHIM UCO UPI app, follow these steps. The process varies slightly depending on the app and whether you prefer online or offline registration.

Registration for UCO mBanking Plus App

Online Registration via UCO mBanking Plus App

1. Download the App:
   • Install the UCO mBanking Plus app from the Google Play Store (Android 5.0+) or Apple App Store (iOS 11.0+). Ensure you download it from official sources.
2. Open the App:
   • Launch the app and select “New User Registration” or “Register”.
3. Enter Details:
   • Input your Customer ID or Account Number (found in your passbook or bank statement).
   • Provide your registered mobile number linked to your UCO Bank account.
4. Verify OTP:
   • An One-Time Password (OTP) will be sent to your registered mobile number.
   • Enter the OTP to authenticate your identity.
5. Provide Debit Card Details:
   • Enter your UCO Bank Debit Card number and PIN for verification.
   • If you don’t have a debit card, you may need to use internet banking credentials (if active) or visit a branch.
6. Set Login and Transaction Credentials:
   • Create a User ID and a 4-digit MPIN (Mobile Personal Identification Number) for logging into the app.
   • Set a TPIN (Transaction Personal Identification Number) for authorizing transactions. MPIN and TPIN must be different.
   • Optionally, enable biometric login (fingerprint) if your device supports it.
7. Complete Registration:
   • After verification, you’ll receive a confirmation message or SMS indicating successful registration.
   • Log in using your User ID and MPIN to access services like balance inquiries, fund transfers, and bill payments.

Alternative Registration Methods

• Via UCO Bank Branch:
  1. Visit your nearest UCO Bank branch and request the Mobile Banking Registration Form (Annexure-I).
  2. Fill in details like your name, account number, Customer ID, and registered mobile number.
  3. Submit the form with ID proof (e.g., Aadhaar, PAN).
  4. Receive a registration kit or SMS with your User ID, MPIN, and TPIN.
  5. Download the UCO mBanking Plus app and log in with these credentials.
• Via Internet Banking (for existing users):
  1. Log in to UCO Bank’s internet banking portal at www.ucoebanking.com.
  2. Navigate to Mobile Banking Services > Register for Mobile Banking.
  3. Follow prompts to verify with OTP and set your MPIN and TPIN.
  4. Use the credentials to log in to the UCO mBanking Plus app.

Registration for BHIM UCO UPI App

1. Download the App:
   • Install the BHIM UCO UPI app from the Google Play Store or Apple App Store.
2. Open the App:
   • Launch the app and select your preferred language.
3. Select SIM Card:
   • Choose the SIM card linked to your registered mobile number with UCO Bank (for OTP verification).
4. Set UPI PIN:
   • Enter your UCO Bank Debit Card number (last 6 digits) and expiry date, or use your Account Number and IFSC Code.
   • Verify with an OTP sent to your registered mobile number.
   • Create a 4–6 digit UPI PIN for transactions.
5. Link Bank Account:
   • Select UCO Bank and link your account by entering your Account Number or Virtual Payment Address (VPA) (e.g., yourname@ucobank).
   • Confirm the linkage with your UPI PIN.
6. Complete Registration:
   • You’ll receive a confirmation message, and your UPI account will be ready for transactions like sending/receiving money or paying merchants.

Process to Login UCO Bank Mobile Banking App

To log in to the UCO Bank mobile banking mBanking Plus app, follow these steps:

Steps to Log In to UCO mBanking Plus

1. Download the App:
   
   • For Android: Google Play Store
     
   • For iOS: App StoreAndroid Apps on Google Play
     
2. Open the App:
   
   • Launch the UCO mBanking Plus app on your mobile device.
     
3. Enter Credentials:
   
   • Input your User ID and MPIN (Mobile Personal Identification Number).
     
   • Alternatively, you can use biometric authentication (Fingerprint or Face ID) if previously set up.
4. Access Your Account:
   
   • Upon successful authentication, you'll be directed to the dashboard where you can manage your account, view balances, transfer funds, and more.

UCO Bank Whatsapp Mobile Banking

You can start using UCO Bank's WhatsApp Banking through any of the following methods:

Method 1: Save and Chat

1. Save the number 8334001234 in your phone contacts as “UCO Bank WhatsApp.”
   
2. Open WhatsApp and start a new chat with this contact.
   
3. Send “Hi” to initiate the conversation.
   
4. Select your preferred language when prompted.
   
5. Explore the available services from the menu.

Method 2: Scan QR Code

• Scan the QR code available on the UCO Bank WhatsApp Banking page to start the chat.

Method 3: Use the Website

1. Visit the official website.
   
2. Click on the WhatsApp icon located in the social media section.
   
3. Send “Hi” in the opened WhatsApp chat.
   
4. Choose your language and proceed with the services.

Benefits of UCO Bank Mobile Banking

Some of the benefits of UCO Bank mobile banking are -

• BHIM UCO UPI app allows quick payments, QR code scanning, and cardless ATM withdrawals (up to ₹10,000/day), enhancing digital payment flexibility.
• Features a multilingual, intuitive design with biometric login, making it accessible for all users, including those less tech-savvy.
• Instantly check balances, transfer funds, or pay bills in real-time, saving time and reducing costs associated with branch visits or paper-based banking.
• Perform transactions like fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, mobile recharges, fixed deposit management, cheque services, and view transaction history via m-Passbook.

Uses of UCO Bank Mobile Banking App

You can use the UCO Bank mobile banking apps for the following features.

How to Reset the Password of UCO Bank Mobile Banking?

To reset the password (MPIN or TPIN) for UCO Bank Mobile Banking using the UCO mBanking Plus app, follow these steps. The process involves using the app or alternative methods like internet banking or branch assistance.

Steps to Reset MPIN via UCO mBanking Plus App

1. Open the App:
   • Launch the UCO mBanking Plus app on your smartphone (downloaded from Google Play Store for Android 5.0+ or Apple App Store for iOS 11.0+).
2. Select 'Forgot MPIN':
   • On the login screen, tap the “Forgot MPIN” or “Reset MPIN” option.
3. Enter Details:
   • Input your Customer ID or Account Number (found in your passbook or bank statement).
   • Ensure you’re using the registered mobile number linked to your UCO Bank account.
4. Verify OTP:
   • An One-Time Password (OTP) will be sent to your registered mobile number.
   • Enter the OTP to authenticate your identity.
5. Provide Debit Card Details:
   • Enter your UCO Bank Debit Card number and PIN for verification.
   • If you don’t have a debit card, you may need to use internet banking credentials (if active) or visit a branch.
6. Set New MPIN:
   • Create a new 4-digit Mobile Personal Identification Number (MPIN) and confirm it. Ensure it is different from your TPIN.
   • Optionally, enable biometric authentication (fingerprint) if supported by your device.
7. Confirmation:
   • After successful submission, you’ll receive a confirmation message or SMS indicating the MPIN has been reset.
   • Log in with the new MPIN.

Steps to Reset TPIN (Transaction PIN)

1. Open UCO mBanking Plus App:
   • Log in using your User ID and MPIN.
2. Navigate to TPIN Reset:
   • Go to Settings or DigiSafe > Change TPIN or Forgot TPIN.
3. Verify Identity:
   • Enter your Customer ID or Account Number.
   • Verify with an OTP sent to your registered mobile number or use Debit Card details (number and PIN).
4. Set New TPIN:
   • Create a new 4-digit Transaction Personal Identification Number (TPIN) and confirm it. Ensure it differs from your MPIN.
5. Confirmation:
   • Receive a confirmation message or SMS confirming the TPIN reset.

Alternative Methods to Reset MPIN/TPIN

• Via Internet Banking (if active):
  • Log in to UCO Bank’s internet banking portal at the official website.
  • Navigate to Mobile Banking Services > Reset MPIN/TPIN.
  • Verify with OTP or internet banking credentials.
  • Set a new 4-digit MPIN or TPIN and confirm.
• Via UCO Bank Branch:
  • Visit your nearest UCO Bank branch with ID proof (e.g., Aadhaar, PAN) and your passbook or account details.
  • Request a reset of your MPIN/TPIN by filling out a form (e.g., Annexure-I for mobile banking).
  • The bank will provide new credentials via SMS or a registration kit.
  • Log in to the UCO mBanking Plus app with the new MPIN/TPIN.
• Via Customer Care (for blocked accounts):
  • If your account is blocked (e.g., after three wrong MPIN/TPIN attempts), contact UCO Bank customer care at 1800-274-0123 or email ho.dit@ucobank.co.in.
  • Provide your Customer ID, account number, and verify your identity.
  • Follow instructions to reset credentials, which may involve visiting a branch.

UCO Bank Mobile Banking Transaction Limit