Union Bank of India Net Banking

Last Updated : April 17, 2025, 3:54 p.m.

Below is a comprehensive overview of Union Bank of India Net Banking, covering its benefits, features, registration process, activation, login process, password reset, and transaction limits, tailored to provide a clear comparison or additional context to your previous query about UCO Bank Net Banking.

Designed for retail, corporate, and NRI customers, it offers a secure, convenient, and free way to manage finances without visiting a branch. The platform, accessible via, supports savings account management, fund transfers, bill payments, investments, and more.

Benefits of Union Bank of India Net Banking

1. Round-the-Clock Access : Perform banking tasks 24/7 from anywhere with an internet connection, ideal for busy schedules.
2. Convenience : Manage savings accounts, transfer funds, and pay bills without visiting a branch, saving time and effort.
3. Cost-Free Service : No charges for registration or usage, making it accessible to all customers.
4. Enhanced Security : 128-bit to 256-bit SSL encryption, OTP-based authentication, and 3-Factor Authentication ensure safe transactions.
5. Comprehensive Functionality : Supports a wide range of services, from tax payments to loan applications, all in one platform.
6. Global Reach : NRIs and customers worldwide can access accounts, making it versatile for international users.
7. Eco-Friendly and Efficient : Reduces paper-based transactions and provides instant access to e-statements and real-time updates.

Union Bank of India Net Banking Features

1. Account Management :
   • Union Bank of India balance check number , transaction history, and loan details.
   • Download e-statements (up to 365 days) with password protection (first four letters of name + DDMM of birthdate).
2. Fund Transfers :
   • Intra-bank transfers within Union Bank accounts.
   • Inter-bank transfers via NEFT, RTGS, or IMPS.
   • Transfer up to ₹10,000 without adding beneficiaries (max 5 IMPS transactions/day).
3. Bill Payments and Recharges :
   • Pay utility bills (electricity, water, telephone), credit card bills, and insurance premiums.
   • Recharge mobile phones, DTH services, and make online donations.
4. Investments and Loans :
   • Apply for personal, home, vehicle, or education loans and track repayment status.
   • Invest in mutual funds and manage Demat accounts (view transactions, holdings).
5. Tax and Government Services :
   • Pay direct/indirect taxes via the e-pay tax facility.
   • Link Aadhaar to accounts and contribute to schemes like PMJJBY or PMSBY.

Registration Process for Union Bank of India Net Banking

Union Bank offers both online and offline registration options for retail, corporate, and NRI customers.

Online Registration (Self-User Creation)

1. Visit the Net Banking Portal :
   • Go to the official website and select “Retail Login” or “Corporate Login.”
2. Select Self User Creation :
   • Click “Self User Creation” and choose:
     • “Retail Users with Debit Card” (for viewing and transaction rights).
     • “Retail Users without Debit Card” (view-only rights).
3. Enter Required Details :
   • Input your 14-digit account number, registered mobile number, date of birth, PAN, and CAPTCHA code.
   • For debit card users: Provide debit card number, PIN, and details of one of the last five transactions (e.g., amount, date).
4. Authenticate with OTP :
   • Enter the OTP sent to your registered mobile number for verification.
5. Set Login Credentials :
   • Create a User ID, Login Password, and Transaction Password (8-16 characters, alphanumeric, with special characters).
6. Submit and Confirm :
   • Agree to the terms and conditions, submit the form, and receive a confirmation message.
   • The account is validated within 24 hours, and Net Banking is accessible after 48 hours.

Offline Registration

1. Visit a Union Bank Branch :
   • Request the Net Banking application form at any branch.
2. Complete the Form :
   • Provide savings account details, KYC documents (e.g., Aadhaar, PAN), and specify view-only or transaction access.
3. Submit Application :
   • Submit the form to the bank officer.
4. Receive Credentials :
   • The bank provides a User ID and temporary password via SMS, email, or courier (courier charges: ₹150 postal + ₹30 per password for retail users).
5. Activate Account :
   • Use the temporary credentials to log in and set a new password.

How to Activate Union Bank of India Net Banking?

1. Complete Registration :
   • Finish the online or offline registration process as outlined above.
2. Receive Credentials :
   • Online: Credentials are set during registration.
   • Offline: Temporary User ID and password are sent via SMS, email, or courier.
3. First-Time Login :
   • Visit the official website and select “Retail/Corporate Login.”
   • Enter your User ID and temporary password.
   • You’ll be prompted to change the temporary password to a new one (8-16 characters, alphanumeric).
4. OTP and Challenge Questions :
   • Enter the OTP sent to your registered mobile number.
   • Set or answer challenge questions for 3-Factor Authentication.
5. Activation Complete :
   • After validation (24-48 hours), the account is fully activated for all Net Banking services.

Union Bank of India Net Banking Login Process

1. Access the Portal :
   • Go to the official website and select “Retail User Login” or “Corporate User Login.”
2. Enter Credentials :
   • Input your User ID and Login Password.
   • Use the virtual keyboard (recommended) to prevent keylogging.
3. Authenticate :
   • For sensitive transactions or first-time login, enter an OTP sent to your registered mobile number.
   • Answer one of three pre-registered challenge questions for 3-Factor Authentication.
4. Access Dashboard :
   • Upon successful login, access the personalised dashboard to manage accounts, transfers, and other services.
5. Log Out Securely :
   • Click “Logout” after completing your session and clear your browser cache to ensure security.

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

If you forget your Login or Transaction Password, you can reset it online or offline.

Online Password Reset

1. Visit the Portal :
   • Go to the official website and click “Forgot/Reset Password” under the login section.
2. Select Reset Option :
   • Choose “Online Reset of Login/Transaction Password” for:
     • Retail Users with Debit Card (full reset).
     • Retail Users without Debit Card (limited reset for view-only accounts).
3. Enter Details :
   • Provide your User ID, 14-digit account number, registered mobile number, and CAPTCHA code.
   • For debit card users: Enter debit card number, PIN, and one recent transaction detail.
4. Authenticate with OTP :
   • Enter the OTP sent to your registered mobile number.
5. Set New Password :
   • Create a new Login and/or Transaction Password (8-16 characters, alphanumeric, special characters).
6. Confirm Reset :
   • Submit and receive a confirmation message.

Offline Password Reset

1. Visit a Branch :
   • Submit a written request for password reset at a Union Bank branch with KYC documents (e.g., Aadhaar, PAN).
2. Receive Temporary Password :
   • The bank issues a temporary password via SMS, email, or courier.
3. Log In and Reset :
   • Use the temporary password to log in and set a new password.

Union Bank of India Net Banking Transaction Limits

Transaction limits for Net Banking vary based on the transfer method (IMPS, NEFT, RTGS), user type (retail or corporate), and whether beneficiaries are added. Below are the default limits as of the latest available data (subject to change; verify with the bank):

1. IMPS (Immediate Payment Service) :
   • Per Transaction : Up to ₹5,00,000.
   • Daily Limit :
     • Retail: ₹5,00,000 or 20 transactions.
     • Corporate: ₹25,00,000 or 200 transactions.
   • Without Beneficiary : Max 5 transactions/day, each up to ₹10,000.
2. NEFT (National Electronic Funds Transfer) :
   • Per Transaction : No upper limit (subject to bank discretion).
   • Daily Limit :
     • Retail: ₹5,00,000.
     • Corporate: ₹25,00,000.
3. RTGS (Real-Time Gross Settlement) :
   • Minimum Transaction : ₹2,00,000.
   • Per Transaction/Daily Limit :
     • Retail: Typically ₹25,00,000.
     • Corporate: Higher limits upon approval.
4. Intra-Bank Transfers :
   • No specific limit for transfers within Union Bank accounts, subject to available balance.
5. Tax Payments :
   • No upper limit for e-pay tax transactions.
6. Bill Payments/E-Commerce :
   • Limits vary by merchant, typically up to ₹5,00,000/day.