What is the official website of the payment service?
https://www.ucobank.com
https://www.ucobank.com
UCO Bank customer support contacts are listed on the “Contact Us” or “Customer Support” pages of their official website.
1800 274 0123
Yes, UCO Bank offers a toll-free support line at 1800 274 0123.
UCO Bank provides specific emails for various departments, such as [email protected] and [email protected].
Online chat support is generally accessible from the official website, often through a designated chat icon on the homepage.
Chat support hours may vary; many banks offer daytime chat support with limited or no service outside business hours.
UCO Bank does not currently provide support via Telegram or WhatsApp; industry best practice involves offering messenger support where feasible.
Customer support typically operates during Indian business hours, often 9:00am to 6:00pm on weekdays, with limited hours on weekends.
Most banks offer limited weekend and holiday support, primarily for urgent issues, while standard inquiries may be addressed during business days.
UCO Bank maintains physical branch offices located throughout India, allowing for walk-in customer support.
Physical branches are located across India in major cities and towns. The head office is at 10, BTM Sarani, Kolkata - 700 001, India.
Customers generally can schedule meetings at local branches by contacting branch staff or visiting in person as per industry practices.
UCO Bank has international branches in Hong Kong and Singapore but limited overseas representative offices compared to global banks.
Support is available in English and Hindi. Major Indian regional languages may be supported according to branch location.
Response times vary; phone inquiries are typically answered within minutes, while email and web queries may take 24-48 hours.
Priority or premium banking services offering expedited support are standard for high-value clients, subject to eligibility.
UCO Bank allows callback requests through select channels or via website forms, which is a common practice among banks.
UCO Bank was founded in 1943.
UCO Bank was founded by G. D. Birla and is owned by the Government of India.
UCO Bank was established in 1943, nationalized in 1969, and has since expanded products and digital banking services across India and abroad with ongoing modernization.
UCO Bank has undergone service upgrades and technology modernization, but has not undergone significant rebranding or major changes to its name.
The board consists of government-appointed officials and executive directors. Names and profiles are listed on the official website.
UCO Bank is entirely government-owned; major partners include payment networks, insurance companies, and technology providers.
Yes, UCO Bank is publicly listed on Indian stock exchanges, including the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
Market capitalization changes daily; recent estimates place it in the range of several thousand crore rupees.
UCO Bank does not have subsidiaries but operates many branches and international offices in Hong Kong and Singapore.
UCO Bank is licensed by the Reserve Bank of India to conduct banking and payment services.
UCO Bank operates in India, Hong Kong, and Singapore under regulatory approvals in each jurisdiction.
UCO Bank does not hold cryptocurrency-specific licenses and does not provide crypto services.
UCO Bank complies with stringent AML and KYC regulations as mandated by the Reserve Bank of India.
UCO Bank adheres to banking-level security and may implement PCI DSS compliance for card transactions as per standard.
Regular security audits are conducted as part of RBI’s regulatory requirements and in line with industry best security practices.
Deposits are insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC) scheme up to INR 5 lakh per depositor.
UCO Bank complies with ISO standards for banking, RBI regulations, and commonly implemented security protocols.
UCO Bank has faced occasional regulatory penalties for compliance issues, typical for large banks, but remains in good standing.
Reviews are available on Google, Consumer Affairs, Trustpilot, and financial forums related to Indian banking.
Common complaints focus on customer service, transaction delays, and online/mobile banking technical issues.
Users often praise UCO Bank for branch accessibility, competitive interest rates, and a variety of banking products.
Some reports cite occasional delays or technical errors during fund withdrawals, which are resolved per standard banking procedures.
The mobile and web interfaces are generally considered to be functional but receive criticism for lacking modern design and ease of use.
Transaction speeds are satisfactory for most users, but peak times or technical outages may cause delays.
Recommendations are common among traditional customers seeking government-backed banking and branch access.
Financial experts rate UCO Bank as stable and compliant with RBI standards, with conservative management and moderate technological innovation.
UCO Bank has received recognitions for service excellence and implementation of government schemes, though not major international awards.
UCO Bank is included in industry analyses and national rankings of Indian banks.
UCO Bank is authorized and regularly audited by RBI, which issues compliance and operational recommendations as needed.
The bank is regarded as a dependable government-owned institution among partners and merchants.
UCO Bank has a conservative approach to innovation focused on upgrading digital channels and payment solutions.
Quality certifications may be awarded for specific products or branches, especially ISO standards for process management.
UCO Bank participates actively in Indian banking and financial industry conferences.
UCO Bank positions itself as a trustworthy nationalized bank focusing on retail, SME, and corporate banking.
The primary supported fiat currency is Indian Rupee (INR); Hong Kong Dollar (HKD) and Singapore Dollar (SGD) in overseas branches.
UCO Bank does not support cryptocurrencies.
No proprietary cryptocurrency or token is issued or supported.
Currency conversion is available through designated forex counters at select branches.
UCO Bank adopts RBI-referenced and market-driven exchange rates for foreign exchange transactions.
Exchange rates are updated regularly, at least daily, and may vary intra-day according to market fluctuations.
Stablecoin transactions are not supported by UCO Bank.
Exotic currencies may be managed at designated forex or international branches per banking standards.
UCO Bank supports domestic NEFT, RTGS, IMPS, UPI, international SWIFT remittances, and interbank transfers.
Internal bank transfers are supported between UCO Bank accounts.
Funds can be transferred to and from compatible debit cards using standard procedures.
Yes, transfers to Indian and international bank accounts are available using NEFT, RTGS, SWIFT, and other protocols.
Bill payment services, including utilities, taxes, and mobile bills, are accessible via online banking or branches.
Recurring payment setups, such as standing instructions and auto-debit, are available.
Automatic transfers through standing instructions or scheduled payments are supported.
Scheduled payments can be set up for future dates using online banking features.
Group payments are not a specialized feature but can be managed manually through multiple transfers.
Payment link generation is not a standard feature; however, corporate solutions may offer collection links.
Minimum transaction amounts vary by method, with NEFT/IMPS often starting from INR 1; international minimums are higher.
Maximum limits depend on transaction type, channel, and account tier; NEFT/RTGS/IMPS limits are published on the bank’s site.
Daily limits are set according to account type and regulatory requirements for each method.
Monthly and annual limits depend on regulatory caps, channel restrictions, and account tier.
Limits may be increased by submitting requests at the branch and undergoing additional verification.
Verified users typically enjoy higher transaction limits than unverified or new account holders.
New accounts may have initial restrictions until full KYC/verification is completed.
Limits differ internationally according to local branch policies and governmental regulations.
Temporary account blocks may be issued for suspicious activity, compliance, or voluntary requests.
Transaction count restrictions may apply to specific channels, such as mobile or UPI transactions.
Minimum funding requirements vary by deposit method, usually starting from INR 1 through cash, cheque, or transfer.
Cash deposit, cheque, electronic transfers (IMPS, NEFT, RTGS, UPI), and inward remittance.
Most deposit methods are free; fees may be assessed for cross-border remittances or special channels.
Minimum amounts depend on method; typically INR 1 for electronic or cash deposits.
IMPS/UPI deposits are credited instantly; NEFT may take 1-2 hours; cash/cheque depend on processing time.
Withdrawals can be made at branches, ATMs, or via electronic transfers to other accounts.
Withdrawals via branches/ATMs are generally free; fees apply for international remittances or special requests.
ATM withdrawals are instant; branch cash withdrawals are immediate; interbank transfers may take hours or days.
Withdrawal limits depend on method; ATMs may have daily caps, branches and online have regulatory maximums per transaction.
Card-based funding (such as UPI) is typically instant or within minutes, per standard practice.
NEFT usually settles within 1-2 hours; RTGS is near-instant during working hours; international SWIFT may take 1-3 days.
UCO Bank does not process cryptocurrency transfers.
Internal transfers using online banking or mobile app are typically instant.
Electronic methods like IMPS/UPI are operational 24/7; NEFT may experience delays on weekends per RBI schedule.
Holidays may impact NEFT processing; real-time channels (IMPS/UPI) are usually available even during holidays.
Priority or express processing is not standard; high-value remittances may be expedited by arrangement.
Channel type, regulatory working hours, and transaction value can affect processing speed.
Notifications are provided by SMS/email for most account funding operations.
Customers should contact branch staff or hotline and provide transaction details for investigation.
Withdrawal requests via ATM/branch are processed instantly; online/NEFT/RTGS follow standard banking schedules.
ATM withdrawals are instant; POS or branch withdrawals are immediate.
NEFT is settled within RBI stipulated windows, RTGS is immediate, international SWIFT may take 1-3 days.
Not applicable; UCO Bank does not process cryptocurrency withdrawals.
Electronic channels may be unaffected; manual or NEFT withdrawals can be delayed on weekends.
Withdrawals via NEFT/international wires may be delayed during bank holidays.
Express withdrawal for standard banking is uncommon; arrangements may be made for high-value corporate accounts.
Withdrawal speed depends on method, time of request, and compliance checks.
Customers receive SMS/email alerts for withdrawal status and completion.
Cancellation is possible before processing; after initiation funds cannot usually be recalled.
Registration for UCO Bank services requires account opening at a branch or online application, followed by KYC verification.
Personal details, address, photo ID, PAN number, and proof of address are needed as per Indian regulations.
Email is preferred for communication; alternatives such as mobile number are also accepted for notifications.
Mobile phone confirmation is required for activation, alerts, and security per industry best practices.
Minimum age for account opening is 18 years for standard accounts; minors can open with guardians as per regulations.
Corporate accounts can be opened at designated branches with additional documentation for companies.
Real, verifiable personal and business information is mandated by KYC/AML regulations.
Account registration is limited to eligible residents and businesses of India, or overseas branches in their jurisdictions.
Activation is typically completed within 1-2 working days post-KYC verification, barring exceptions.
Standard verification tiers include basic KYC and enhanced due diligence for high-value or business accounts.
Basic KYC requires photo ID, proof of address, and PAN card for Indian residents.
Full verification requires additional documentation, such as income proof, company papers, and board resolutions for businesses.
Scanned/digital copies are accepted for initial processing; originals may be required for final approval.
Verification is generally completed within 2-5 business days depending on document validity and workload.
Usage is limited for unverified accounts; full functionality requires complete KYC verification.
Transaction limits, funding restrictions, and access to select products apply to unverified users.
Address confirmation is required via proof such as utility bills or Aadhaar card.
A photo or selfie may be requested for enhanced verification and fraud prevention.
Documents must be updated periodically, usually when expired or as per regulatory requirements.
Banking-grade SSL/TLS encryption and secure communication channels are standard for data and transactions.
Two-factor authentication using OTPs for login and transactions is widely supported for increased security.
SMS confirmations are sent for most online and high-value operations.
Biometric logins may be available for mobile app; branch services support biometrics for account access.
UCO Bank does not currently use blockchain technology in its standard product offerings.
Multi-level security is implemented through device authentication, passwords, OTPs, and access management.
Data protection includes encrypted storage, secure access, privacy policies, and regular audits as per regulatory requirements.
Not applicable; UCO Bank does not manage cryptocurrencies or use related storage.
DDoS mitigation is part of banking security infrastructure, including monitoring and firewall protection.
Security audits are regularly mandated by RBI and conducted by internal and external auditors.
Alerts, education, and email/SMS notifications help counter phishing risks; suspicious links are flagged.
Real-time monitoring systems flag suspicious transactions and trigger alerts for investigation.
AML systems screen transactions for suspicious patterns and report to regulators as mandated.
Suspect accounts are blocked or frozen pending investigation and compliance review.
Notify the bank immediately, submit incident details, block accounts, and lodge an official complaint.
Contact the bank via hotline, email, or branch to report suspicious transactions or security concerns.
Compensation is considered upon investigation per terms and regulatory guidelines; not always guaranteed.
Users can dispute transactions, initiate investigations, and expect resolution per regulatory consumer protection standards.
Approach the branch or customer care, submit appeal and documents; requests are processed as per policy.
Specific cyber insurance for customer funds is uncommon; standard deposit insurance and corporate coverage may apply.
Transfer fees vary by method: NEFT, RTGS, IMPS, and international remittance have published charges.
Most deposit channels are free; cross-border or special funding may incur fees.
ATM and branch cash withdrawal is mostly free within limits; charges apply above caps or for international withdrawals.
Currency conversion fees are applied as service charges and market spread.
Account inactivity fees may apply to dormant accounts after a set period, as per bank policy.
Maintenance fees may apply for certain account types, such as business or premium accounts.
Cancellation fees may apply for scheduled payments or high-value transactions stopped mid-process.
Fee schedules are published online or at branches; customers are advised to review all terms to avoid surprises.
Large transaction fees are based on percentage rates, regulatory levies, or negotiated terms for business clients.
Tariff plans include regular, premium, and corporate account structures with distinct fee schedules.
VIP status offers dedicated support, higher limits, reduced fees, and exclusive product access.
Preferential terms are offered to high-value clients, corporate accounts, and those meeting product-specific requirements.
Standard accounts may include a set number of free transactions such as NEFT, ATM withdrawals, or bill payments.
Active user discounts may apply for transaction fees, interest rates, or bundled product offers.
Corporate tariffs offer reduced rates, bulk transfer options, and tailored business solutions.
Customized offers or fee waivers can be negotiated based on account value, volume, or business relationship.
Promotional and referral codes may be used for select products or campaigns, reducing fees or offering cashback.
Cashback is occasionally offered for debit card transactions or partnerships, subject to terms.
Volume-based discounts on fees are a common offering for business and frequent users.
Yes, UCO Bank provides a mobile banking app.
Mobile app is available on Android and iOS platforms.
The app supports balance inquiries, fund transfers, bill payments, account management, loan applications, and card services.
Mobile app offers similar functions to web banking but may lack some advanced or business tools.
Biometric login via Touch ID or Face ID is available for compatible devices.
Some functions such as balance alerts may work offline; full banking features require online access.
Push notifications are supported for transactions, alerts, and account updates.
Dark mode is available in the app settings for user convenience.
Updates are released regularly, approximately monthly or as required to address security and feature improvements.
Beta versions may be released for select users to test new features prior to full rollout.
Web banking is functional but may not be as modern or intuitive as newer digital banks.
The web interface is generally responsive and adapts to mobile screens.
Interface is available in English, Hindi, and select regional Indian languages.
Night/dark mode is supported in the web interface settings.
Hotkey support for accessibility is limited; major functions can be accessed via navigation menus.
Transaction statements and account data can be exported in PDF or Excel formats.
API access is available for select business customers and technology partners after approval.
Integration is possible with billers, e-commerce platforms, and payment networks.
Web platforms are updated regularly, typically every few months or as required for security and compliance.
Virtual card issuance is available for select debit or prepaid card users.
Disposable or one-time-use card features may be offered for online transactions via virtual card options.
Multi-currency management is limited to international branches and select products.
UCO Bank offers fixed deposits, recurring deposits, mutual funds, and government bond products.
Savings and deposit accounts earn interest per RBI-stipulated rates.
Credit products include personal loans, business loans, mortgages, and credit card services.
P2P trading features are not available; securities and mutual funds are offered as banking investments.
Cryptocurrencies cannot be bought, sold, or traded through UCO Bank.
Merchant acquiring and POS solutions are available to business clients.
Bulk payment processing for payroll and vendor payments can be arranged through corporate banking solutions.
Loyalty programs for debit and credit card holders may be offered in select campaigns.
Bonus points accrue for spending on affiliated debit or credit cards during promotional periods.
Cashback rewards may apply to specific debit/credit card transactions during promotional offers.
Referral programs are available for account openings, rewarding both referees and new customers.
VIP clients receive higher limits, dedicated support, exclusive product access, and fee waivers.
Seasonal offers are launched periodically for card usage, loan products, and account openings.
Premium account tiers are available for eligible clients upon meeting criteria or through business banking.
Partner merchant discounts may be offered with select cards or campaigns.
Corporate loyalty programs are available for bulk banking and business clients.
Like most Indian banks, UCO Bank does not permit transactions with online casinos as per RBI guidelines.
Gambling and lottery transactions are blocked in accordance with Indian regulations.
Accounts may be restricted or blocked for gambling-related activities per compliance rules.
The bank follows regulatory stances and restricts gambling transactions for legal and compliance reasons.
Gambling transactions are subject to enhanced restrictions or are entirely blocked per local laws.
Banks monitor and automatically block gambling transactions using merchant codes and transaction type filters.
Transactions cannot be hidden; all financial activity is subject to regulatory audit and compliance tracking.
Notifications are not routinely provided for gambling expenses due to transaction blocking.
No special fees, since gambling transactions are generally blocked.
Limits do not apply due to blocking; if allowed, spending caps would be established by request.
Formal self-exclusion is not available because gambling transactions are restricted.
Bank cards and transfers are blocked for gambling merchants as per regulatory policy.
Expense controls are not required due to gambling transaction restrictions.
Spending alerts and notifications are provided for general account limits but not specifically for gambling.
Yes, all casino-related transactions are blocked as per banking and regulatory standards.
Gambling statistics tracking is not available because related transactions are disallowed.
Cooling-off periods for gambling are not available due to blocking of casino transactions.
General support and referral to third-party addiction assistance organizations is available, though not bank-specific.
UCO Bank does not maintain formal partnerships with gambling addiction support organizations.
Gambling expense notifications cannot be configured as gambling transactions are restricted.
Indian banking regulations prohibit use of UCO Bank payment methods at online casinos.
UCO Bank does not maintain casino partnerships due to regulatory restrictions.
Conditions are not applicable as gambling transactions are not supported.
No bonuses apply due to prohibition of gambling transactions.
Casino deposits and withdrawals via UCO Bank are not permitted.
Casino usage is restricted throughout India in compliance with RBI policy.
Casino operators do not process transactions from UCO Bank as methods are blocked.
Not applicable due to regulatory restrictions on gambling transactions.
No transaction relationship exists between UCO Bank and casinos in India.
Compatibility is irrelevant, since UCO Bank restricts gambling related transactions.