UCO Bank UPI

Last Updated : July 16, 2025, 4:03 p.m.

Unified Payments Interface (UPI) is a fast, secure, and convenient way to transfer money instantly between bank accounts using a smartphone. UCO Bank offers UPI services through its BHIM UCO UPI app, enabling customers to make seamless digital payments. This article covers the benefits, features, registration process, transaction methods, and more for UCO Bank UPI.

Benefits and Features of UCO Bank UPI

The BHIM UCO UPI app provides a range of benefits and features that make digital transactions simple and efficient:

• Instant Fund Transfers : Transfer money instantly between bank accounts, 24/7, including holidays, using UPI’s real-time payment system.
• Single App for Multiple Accounts : Link multiple bank accounts to the BHIM UCO UPI app, allowing you to manage transactions from one platform.
• Virtual Payment Address (VPA) : Create a unique VPA (e.g., name@uco) to send or receive money without sharing bank account details.
• QR Code Transactions : Pay merchants or individuals by scanning QR codes for quick and secure transactions.
• Bill Payments and Recharges : Pay utility bills, mobile recharges, and more directly through the app.
• Cash Withdrawal : Withdraw up to ₹10,000 per day from UCO Bank ATMs using UPI, with a limit of three transactions daily.
• Secure Transactions : Authenticate transactions with a UPI PIN, ensuring safety without sharing sensitive banking information.
• Balance Inquiry : Check your account balance directly through the BHIM UCO UPI app.
• Push and Pull Payments : Send money or request funds from others using their UPI ID or VPA.
• Multi-Bank Compatibility : The app can be used by customers of any bank, not just UCO Bank, for UPI transactions.

How to Register UCO Bank UPI App?

Follow these steps to register for the BHIM UCO UPI app:

1. Download the App : Install the BHIM UCO UPI app from the Google Play Store (for Android) or Apple App Store (for iOS).
2. Accept Terms : Open the app and accept the Terms and Conditions.
3. Verify Mobile Number : Tap on the ‘Send SMS’ option to receive a verification SMS on your registered mobile number. Click ‘Proceed’ after verification.
4. Enter Personal Details : Provide your first and last name, gender, date of birth, email ID, and phone number. Click ‘Proceed’.
5. Set Login PIN : Create a 4-digit login PIN and confirm it. Add a security question and click ‘Proceed’.
6. Complete Registration : Your registration will be successful, and you can now create a UPI ID (e.g., name@uco) and link your bank account.

Note : Ensure your mobile number is linked to your UCO Bank account for successful registration.

How to Transfer Money by Using UCO Bank UPI?

To send money using the BHIM UCO UPI app:

1. Log In : Open the BHIM UCO UPI app and log in using your 4-digit PIN.
2. Select Pay Option : Choose the ‘Pay’ option on the app’s home screen.
3. Enter Recipient Details : Input the recipient’s VPA (e.g., abc@uco), mobile number with MMID, account number with IFSC, Aadhaar number, or scan a QR code.
4. Enter Amount and Remarks : Specify the amount to transfer and add optional remarks.
5. Authenticate Transaction : Enter your UPI PIN to authorize the payment.
6. Confirm Transaction : Verify the recipient’s name displayed on the screen to ensure accuracy, then confirm. You’ll receive a 12-digit reference number for tracking.

NOTE: Always verify the recipient’s VPA or name to avoid sending money to the wrong person.

How to Receive/Collect Amount Through UCO Bank UPI?

To request or collect money using the BHIM UCO UPI app:

1. Log In : Open the app and log in with your PIN.
2. Select Collect Option : Tap on the ‘Collect’ option on the home screen.
3. Enter Payer Details : Input the payer’s VPA, amount, request expiry time, comments, and minimum amount to be requested.
4. Submit Request : Click ‘Submit’ to send the money request. You’ll receive a 12-digit reference number for tracking.
5. Track Status : The payer will receive your request and can approve it using their UPI app. Never share your UPI PIN or OTP for receiving money.

Note : No UPI PIN or OTP is required to receive funds, so beware of scams asking for these details.

How to Increase UCO Bank UPI Limit?

UCO Bank’s UPI transaction limits are set as per NPCI and bank guidelines. To increase your UPI limit:

1. Contact the Bank : Reach out to UCO Bank through the customer care toll-free number (1800 103 0123) or visit your nearest branch.
2. Request Limit Increase : Submit a request to increase your daily or monthly UPI transaction limit. The bank may require KYC verification or additional documentation.
3. Bank Discretion : The bank evaluates requests based on your account type, transaction history, and RBI/NPCI guidelines. Approval is subject to the bank’s discretion.
4. Use UCO Secure App : For temporary changes or to manage UPI services, use the UCO Secure app to instantly enable or disable UPI settings.

Note : Limits may vary for savings, current, or overdraft accounts, and increases are not guaranteed.

UCO Bank UPI Transaction Limit Per Month/Per Year

UCO Bank’s UPI transaction limits align with NPCI guidelines but may vary based on account type and bank policies:

• Daily Limit : Up to ₹1,00,000 per day for P2P (person-to-person) transactions, with a maximum of 20 transactions daily. For P2M (person-to-merchant) transactions, there is no limit on the number of transactions.
• First-Time Users : For new UPI users, the transaction limit is ₹5,000 within the first 24 hours.
• Monthly/Yearly Limit : UCO Bank does not explicitly mention a monthly or yearly cap in available information, but some banks set monthly limits (e.g., ₹30,00,000 for IDFC Bank). Contact UCO Bank to confirm specific monthly or yearly limits for your account.
• ATM Cash Withdrawal : Up to ₹10,000 per day, with a maximum of three transactions.

Note : Limits may differ for specific account types (e.g., savings, current, or overdraft). Always check with the bank for the latest limits.

UCO Bank UPI Customer Care Number

For queries, disputes, or assistance with UCO Bank UPI services:

• Toll-Free Customer Care : 1800 103 0123
• UCO Secure App : Use the app to instantly block or unblock UPI services in case of issues like fraud or lost devices.

NOTE: Keep your 12-digit transaction reference number (RRN) handy when contacting customer care for faster resolution.