Union Bank of India UPI

Last Updated : July 15, 2025, 3:44 p.m.

The Union Bank of India’s VYOM app offers a seamless and secure way to perform digital transactions through its BHIM UPI feature. Unified Payments Interface (UPI) is an instant real-time payment system developed by the National Payments Corporation of India (NPCI), enabling peer-to-peer (P2P), person-to-merchant (P2M), and small merchant transactions. This article explores the key aspects of using the Union Bank UPI VYOM app, including its advantages, setup process, transaction limits, and more.

Advantages of Union Bank UPI VYOM App

• Instant Transactions : Transfer funds instantly using a Virtual Payment Address (VPA), QR code, or account details without needing to share sensitive bank information.
• User-Friendly Interface : The VYOM app combines mobile banking and UPI functionalities, offering a single platform for managing accounts, transferring money, and accessing other banking services.
• Versatile Payment Options : Supports multiple payment methods, including VPA, QR code scanning, mobile number, MMID, or account number with IFSC code.
• 24/7 Availability : Conduct transactions anytime, anywhere, using a smartphone, making banking convenient and accessible.
• No Additional Charges : Union Bank does not levy fees for using the VYOM app, though mobile operators may charge for data or SMS usage.
• Secure Transactions : Requires a UPI PIN for authentication, ensuring high security. Additional safety measures include device binding and the inability to use the app on multiple devices simultaneously.
• Multiple Account Support : Link savings, current, overdraft, and NRE/NRO accounts to a single UPI ID for seamless management.
• Additional Features : Offers services like bill payments, mutual fund investments, loan applications, and lifestyle bookings (flights, hotels, cabs) within the app.

How to Set-up Union Bank UPI VYOM App?

1. Download the App : Install the VYOM app from the Google Play Store (Android 6.0+) or Apple App Store (iOS 13.0+). Ensure your mobile number is registered with your Union Bank account.
2. Register for UPI :
   • Open the VYOM app and select “UPI” during registration (you can choose UPI alone or with mobile banking).
   • If no Virtual Payment Address (VPA) exists, the app prompts you to create a UPI ID upon clicking the BHIM UPI icon.
3. Create UPI ID :
   • Go to the “Manage” option on the BHIM UPI home screen.
   • Create a UPI ID (e.g., yourname@ubi) and link it to your savings, current, or overdraft account. You can create up to three UPI IDs.
4. Set UPI PIN :
   • Use your debit card details or other authentication methods (e.g., Internet Banking, Branch Token) to set a 4-6 digit UPI PIN for transaction authorization.
5. Complete Verification : After successful verification, you’ll receive a “PIN Created Successfully” message, and your UPI ID is ready for transactions.

Union Bank UPI VYOM App Transaction Limit Per Month/Per Year

• Daily Limit : The standard UPI transaction limit is ₹1,00,000 per day for general transactions, as set by NPCI.
• Monthly/Yearly Limit : Union Bank does not explicitly impose a monthly or yearly UPI transaction limit in the VYOM app. However, the cumulative daily limits effectively cap monthly transactions at approximately ₹30,00,000 (assuming ₹1,00,000 per day for 30 days).
• Special Transactions : Higher limits apply for specific categories like capital markets, insurance, and IPOs (up to ₹5,00,000 for IPOs).
• UPI Lite : For low-value transactions (below ₹500), UPI Lite can be enabled through third-party apps like BHIM or Paytm, with a separate wallet limit.
• Frequency Limit : The VYOM app allows up to 10 transactions per day, though this may vary based on bank policies.

How to Increase Union Bank VYOM App Limit?

• Standard Limit Restriction : The daily UPI transaction limit of ₹1,00,000 is set by NPCI and cannot be increased, as it is governed by regulatory guidelines.
• Special Transaction Limits : For transactions like IPOs or capital market payments, the limit is automatically higher (up to ₹5,00,000). Ensure your account is eligible for these categories.
• Contact the Bank : If you need higher limits for specific purposes, contact Union Bank’s customer care or visit a branch to inquire about temporary limit adjustments, though approvals are subject to bank discretion.
• Alternative Methods : For transactions exceeding UPI limits, use other methods like NEFT or IMPS through the VYOM app, which allows up to ₹10,00,000 daily for mobile banking.

How to Send Money by Using Union Bank UPI?

1. Log In : Open the VYOM app and log in using your PIN or biometric authentication.
2. Select BHIM UPI : Tap on the “BHIM UPI” option from the home screen.
3. Choose Payment Method :
   • VPA : Enter the recipient’s UPI ID (e.g., recipient@upi), amount, and optional remarks.
   • QR Code : Scan the recipient’s QR code using the “Scan & Pay” option.
   • Mobile Number/MMID : Select “Pay to Mobile” or “MMID” under the “Transact” section, enter the mobile number or MMID, and specify the amount.
   • Account Number & IFSC : Enter the recipient’s account number and IFSC code or select from saved payees.
4. Authenticate : Enter your UPI PIN to authorize the transaction.
5. Confirm : Verify the transaction details and tap “Pay.” A success message and SMS confirmation will follow.

How to Receive Amount Through Union Bank VYOM App?

1. Share UPI ID or QR Code :
   • Share your UPI ID (e.g., yourname@ubi) or generate a QR code from the “Share QR” option on the BHIM UPI home screen.
2. Collect Request :
   • Log in to the VYOM app and tap “BHIM UPI” > “Collect.”
   • Enter the payer’s UPI ID, amount, and transaction expiry date/time, then tap “Proceed” and “Confirm.”
   • The payer receives a notification and must approve the request using their UPI PIN.
3. Check Status : View incoming funds in the “Transaction History” section. If the transaction is pending, it may take T+2 days to process.
4. Safety Note : Only approve collect requests from known parties to avoid fraud.

Union Bank UPI VYOM App Customer Care Number

• Toll-Free Numbers : 1800 22 22 44, 1800 22 22 43, 1800 208 2244, 1800 425 1515
• UPI-Specific Blocking : Call 7036311000 from your registered mobile number to block UPI transactions.
• Branch Visit : For issues like mobile number restrictions or deregistration, visit your home branch.
• General Support : For transaction disputes or other queries, provide details like UPI Transaction ID, date, time, and amount when contacting support.