Union Bank of India Mobile Banking

Last Updated : May 6, 2025, 6:58 p.m.

Union Bank of India Mobile Banking is a robust digital banking service offered by Union Bank of India, one of India’s leading public sector banks, enabling customers to manage their finances conveniently through their smartphones. Primarily delivered through the Vyom app, it provides a secure, user-friendly platform for a wide range of financial and non-financial transactions, including fund transfers, bill payments, loan applications, and lifestyle services, accessible 24/7 without the need for branch visits.

With features like multilingual support, biometric authentication, and high transaction limits, it caters to diverse customer needs, ensuring seamless banking on the go.

Types of Union Bank of India Mobile Banking

Below are the types of Union Bank of India mobile banking offered by the bank.

Vyom – Union Bank of India: This is the flagship mobile banking application, offering a wide array of services ranging from basic banking transactions to advanced features like investment management and travel bookings. Its user-friendly interface and customizable options make it a one-stop solution for most banking needs.

U-Token: Enhances security by generating OTPs within the app, reducing reliance on SMS-based OTPs and ensuring safer transaction authentication.

U-ATM: A handy tool to quickly find the nearest Union Bank ATMs and branches, especially useful when traveling or in unfamiliar locations.

Bharat QR Merchant: Empowers merchants to accept digital payments seamlessly, promoting cashless transactions and expanding payment acceptance options.

e-Circular Union Bank : Keeps users informed about the latest official communications, policies, and updates from the bank.

Union Bank of India Mobile Banking Registration

To register for Union Bank of India mobile banking services, you can utilize the Vyom app, which offers a comprehensive suite of banking features. Here's a step-by-step guide to help you through the registration process:

How to Register for Union Bank of India Mobile Banking via Vyom App?

Step 1: Download the Vyom App

• Android Users: Download from Google Play Store
  
• iOS Users: Download from Apple App StoreApple

Step 2: Launch the App and Select Language

• Open the app and choose your preferred language from the available options.

Step 3: SIM Verification

• The app will automatically detect the SIM card linked to your Union Bank account.
  
• An SMS will be sent from your device for verification purposes. Ensure your mobile number is registered with the bank and that your device has active SMS capabilities.

Step 4: Set Up Login Credentials

• You can authenticate using one of the following methods:
  
  • Debit Card: Enter your debit card number and PIN.
    
  • Internet Banking: Use your existing Internet Banking User ID and password.
    
  • Branch Token: Utilize the token provided by your branch.

Step 5: Create a Login PIN

• Set a secure 4-digit Login PIN for future access.
  
• Optionally, enable biometric authentication (fingerprint or face recognition) for added convenience.

Step 6: Access Your Account

• Upon successful registration, you can log in to the Vyom app to access a wide range of banking services, including:
  
  • Account balance inquiries
  • Fund transfers (NEFT, IMPS, UPI)
  • Bill payments and recharges
  • Loan applications
  • Investment services
  • Credit card management
  • And much moreAndroid Apps on Google Play

Alternative Registration Methods

If you prefer not to use the Vyom app for registration, Union Bank of India offers other options:

• Online Registration via Internet Banking:
  
  • Visit the Union Bank of India Online Banking Portal
    
  • Navigate to the 'Self User Creation' section.
    
  • Follow the on-screen instructions to complete your registration.
    
• ATM Registration:
  
  • Visit any Union Bank ATM.
    
  • Insert your debit card and select the 'Mobile Banking Registration' option.
    
  • Follow the prompts to complete the process.
    
• Branch Registration:
  
  • Visit your nearest Union Bank branch.
    
  • Fill out the mobile banking registration form.
    
  • Submit the form along with necessary identification documents.

Process to Login Union Bank of India Mobile Banking App

To log in to the Union Bank of India Mobile Banking app, Vyom, follow these steps. The Vyom app is the primary platform for mobile banking services, offering access to a range of financial and non-financial transactions.

Steps to Log In to Vyom App

1. Open the Vyom App:
   • Launch the Vyom app on your smartphone. Ensure it’s downloaded from the Google Play Store (Android 6.0+) or Apple App Store (iOS 13.0+).
2. Select Login Option:
   • On the app’s home screen, tap “Login” or “Existing User”.
3. Enter Credentials:
   • Using User ID and MPIN:
     • Input your User ID (typically your Customer ID or the ID set during registration, found in your passbook or registration confirmation).
     • Enter your 4-digit MPIN (Mobile Personal Identification Number) set during registration.
   • Using Biometrics (if enabled):
     • If you activated biometric authentication (fingerprint/face ID) during registration, use your fingerprint or face scan to log in.
4. Authenticate (if prompted):
   • For first-time login, high-value transactions, or added security, you may need to verify with an One-Time Password (OTP) sent to your registered mobile number or via the U-Token app (if enabled).
   • Enter the OTP to proceed.
5. Access Dashboard:
   • After successful authentication, you’ll be directed to the app’s dashboard, where you can access services like balance inquiries, fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, m-Passbook, loan applications, and lifestyle features.

Union Bank of India Whatsapp Mobile Banking

Union Bank of India WhatsApp Banking allows both account holders and non-account holders to access a variety of banking services through WhatsApp using the Union Virtual Connect (UVConn) platform. Below is a detailed guide on how to register and use Union Bank of India’s WhatsApp banking services, based on the latest available information.

Save Official Number
Add +91-96666 06060 to your contacts as “Union Bank WhatsApp” .

Verify Authenticity
Ensure there is a green tick next to the account name in WhatsApp.

Start Chat
Open WhatsApp → Start a chat with the saved contact → Type “Hi”.

Choose Language
Select your preferred language from the menu.

OTP Verification
Enter the OTP sent to your registered mobile number to complete activation.

Access Services
After successful registration, type “Menu” or choose options as displayed in chat.

Benefits of Union Bank of India Mobile Banking

Some benefits of Union Bank of India mobile banking are -

• Manage your finances anytime, anywhere, with services like balance inquiries, fund transfers (UPI, IMPS, NEFT, RTGS), bill payments, and loan applications, eliminating the need for branch or ATM visits.
• Offers a wide range of services, including m-Passbook, cheque services, pre-approved loans, mutual fund investments, insurance, and lifestyle options like flight/hotel booking, all within a single app.
• Supports 13 languages, biometric login (fingerprint/face ID), customizable themes, and accessibility features like large fonts and screen reader compatibility, making it suitable for diverse users.
• Ensures safe transactions with 128-bit to 256-bit SSL encryption, MPIN, TPIN, OTP via U-Token app, and biometric authentication, protecting user data and funds.
• High Transaction Limits: Allows transactions up to ₹10,00,000/day (combined for IMPS/NEFT/RTGS) and ₹1,00,000/day for UPI, providing flexibility.

Uses of Union Bank of India Mobile Banking App

The Union Bank of India Mobile Banking App, primarily the Vyom app, provides a comprehensive platform for customers to manage their finances, access banking services, and engage in lifestyle-related activities. Below is a detailed list of the key uses of the Union Bank of India Mobile Banking App, specifically focusing on the Vyom app, which is the main mobile banking platform.

Key Uses of Union Bank of India Mobile Banking App (Vyom)

1. Account Management:
   • Check account balance for Savings, Current, or Overdraft accounts.
   • View transaction history via the m-Passbook feature.
   • Download account statements for specified periods.
   • Access details of linked accounts under the same Customer ID.
2. Fund Transfers:
   • Perform intra-bank transfers within Union Bank accounts instantly.
   • Execute inter-bank transfers using UPI, IMPS, NEFT, or RTGS (up to ₹10,00,000/day combined limit).
   • Transfer funds via UPI (up to ₹1,00,000/day) using VPA, QR code scanning, or mobile number.
   • Add and manage beneficiaries for recurring transfers (with a 24-hour cooling period for new beneficiaries unless branch-approved).
3. Bill Payments and Recharges:
   • Pay utility bills (electricity, water, gas, broadband, etc.).
   • Recharge mobile phones, DTH services, or data cards.
   • Pay credit card bills, loan EMIs, or insurance premiums.
   • Set up auto-pay for recurring bills.
4. Investment and Deposit Services:
   • Open and manage Fixed Deposits (FD) or Recurring Deposits (RD).
   • Invest in mutual funds or other investment products offered by Union Bank.
   • Apply for government schemes like Sukanya Samriddhi Yojana or Atal Pension Yojana.
   • Monitor investment portfolios and track returns.
5. Loan Services:
   • Apply for pre-approved personal loans, home loans, car loans, MSME loans, education loans, or Kisan Credit Card.
   • Check loan eligibility and track application status.
   • View loan account details and repay EMIs.
6. Card Management:
   • Manage Debit Card settings: block/unblock, set transaction limits, or enable/disable international usage.
   • Manage Credit Card services via integration with the UControl app: view statements, pay bills, set limits, or block/unblock cards.
   • Apply for a new Debit or Credit Card.
7. Cheque Services:
   • Request a new chequebook.
   • Issue a stop cheque payment to prevent unauthorized use.
   • Check the status of issued cheques.
8. Lifestyle and Value-Added Services:
   • Book flight tickets, train tickets, bus tickets, or event tickets.
   • Reserve hotels or plan travel-related services.
   • Shop online through integrated e-commerce platforms or redeem Union Rewardz points for purchases.
   • Apply for POS machines or QR codes for merchants.
9. Tax and Form Submission:
   • Submit Form 15G/H for tax exemptions on interest income.
   • Pay direct taxes or other government dues.
10. Security and Profile Management:
    • Reset MPIN (login password) or TPIN (transaction password) using OTP and Debit Card details.
    • Enable/disable biometric login (fingerprint/face ID) for quick access.
    • Update personal details like email or address (subject to verification).
    • Use the U-Token app for secure OTP generation instead of SMS.
11. Customer Support and Information:
    • Access FAQs and raise complaints or service requests.
    • Locate nearby Union Bank branches or ATMs using the U-ATM app integration or Vyom’s locator feature.
    • Get information on bank products (loans, deposits, cards) via Union Sahyog app integration.
    • Receive transaction alerts and notifications for account activities.
12. Merchant Services:
    • Generate Bharat QR codes for merchants to accept payments via the Bharat QR Merchant app integration.
    • Process Aadhaar-based payments for merchants using BHIM Aadhaar Pay integration.
13. Accessibility Features:
    • Use the app in 13 languages (e.g., English, Hindi, Tamil, Telugu) for broader accessibility.
    • Leverage features for differently-abled users, such as large fonts, screen reader compatibility, and customizable themes.

How to Reset the Password of Union Bank of India Mobile Banking?

Follow the steps below to reset the password for Union Bank of India mobile banking -

Steps to Reset TPIN (Transaction PIN)

1. Log in to Vyom App:
   • Open the Vyom app and log in using your User ID and MPIN.
2. Navigate to TPIN Reset:
   • Go to Settings > DigiSafe or Security Settings > Change TPIN or Forgot TPIN.
3. Verify Identity:
   • Enter your Customer ID, Account Number, or User ID.
   • Verify with an OTP (via SMS or U-Token app) or Debit Card details (number, PIN, expiry date).
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 Union Bank’s internet banking portal
  • Navigate to Services > Mobile Banking > Reset MPIN/TPIN.
  • Verify with OTP, Debit Card details, or Internet Banking Password.
  • Set a new 4-digit MPIN or TPIN and confirm.
• Via Union Bank Branch:
  • Visit your nearest Union Bank of India 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 mobile banking form.
  • The bank may issue new credentials via SMS or provide a Branch Token for app-based reset.
  • Log in to the Vyom app with the new credentials.
• Via Customer Care (for blocked accounts):
  • If your account is blocked (e.g., after three wrong MPIN/TPIN attempts), contact Union Bank customer care at 1800-2222-44 or 1800-208-2244, or email unionaccess@unionbankofindia.bank.
  • Provide your Customer ID, account number, and verify your identity.
  • Follow instructions to reset credentials, which may require a branch visit.

Union Bank of India Mobile Banking Transaction Limit

The transaction limits for Union Bank of India mobile banking are -