What is the official website of the payment service?
https://www.unionbankofindia.co.in
https://www.unionbankofindia.co.in
Customer support contacts can be found at the "Contact Us" page on the official website.
1800 22 22 44
Yes, 1800 22 22 44 is a toll-free helpline for general customer queries.
Union Bank of India provides dedicated emails for specific inquiries such as loans, cards, fraud reporting, and branch contacts.
Online chat support is available via the “Online Helpdesk” or “Chat with Us” link on the bank’s official website.
Online chat support typically operates 24/7 for general inquiries, though more complex requests may be handled during working hours.
WhatsApp support is available via +91 9666606060 for basic banking inquiries and information.
Phone and branch support operate from 8:00am to 8:00pm, Monday to Saturday; some digital channels provide round-the-clock assistance.
Phone banking and online support are available on weekends; branch operations are closed on Sundays and national holidays.
Regional and branch offices are available for in-person banking and payment service needs across India.
Union Bank of India headquarters is at Nariman Point, Mumbai, with branches in major cities and towns nationwide.
Customers can request and schedule meetings with branch representatives by contacting their local branch directly.
The bank has international branches and offices in locations such as Abu Dhabi, Dubai, Sydney, Hong Kong, and London.
Support is available in major Indian languages including Hindi, English, and regional languages.
Average response times range from a few minutes for digital channels to 1–2 working days for email and formal requests.
Specialized relationship managers and priority support lines are designated for premium and high-net-worth clients.
Callback services can be requested via phone, website, or mobile app; scheduling will be confirmed by customer support.
Union Bank of India was founded on 11 November 1919.
Founded by Seth Sitaram Poddar; ownership is with the Government of India.
The company is registered in India.
Started as a single branch in Mumbai, Union Bank expanded nationwide and internationally, merging with Andhra Bank and Corporation Bank in 2020.
Major updates include the 2020 merger, digital banking initiatives, and modernization of payment platforms.
The Board consists of government-appointed officials and independent directors; details are published on the official website.
Owned by the Government of India; banking partners include NPCI, VISA, Mastercard, and regulators like RBI.
Yes, Union Bank of India is publicly traded on the Bombay Stock Exchange and National Stock Exchange in India.
Market capitalization varies with stock performance but is available on financial news portals and stock exchange websites.
Subsidiaries include Union Asset Management, Union Bank of India (UK) Ltd, and numerous domestic/international branches.
The bank holds a commercial banking license from the Reserve Bank of India and required payments, card, and remittance licenses.
Union Bank operates officially across India and in select countries with international branches.
Union Bank of India does not hold cryptocurrency operation licenses as per current regulations.
Yes, full compliance with AML (Anti-Money Laundering) and KYC (Know Your Customer) standards is maintained.
Payment systems comply with PCI DSS for card operations and other industry-standard security certifications.
Security audits are regularly performed by internal and third-party auditors to ensure operational safety.
Deposits are insured up to a prescribed amount under the Deposit Insurance and Credit Guarantee Corporation (DICGC) in India.
Complies with ISO/IEC information security standards, SWIFT, PCI DSS, and relevant RBI guidelines.
Union Bank has been subject to fines for compliance lapses such as KYC breaches, as published in RBI reports.
Reviews are available on Google, Trustpilot, app stores, and government complaint portals.
Common complaints include delayed processing, online banking errors, card issues, and customer support delays.
Users praise the extensive branch network, diverse payment options, experienced staff, and stable digital banking platforms.
Occasional withdrawal delays have been reported, usually resolved through customer support intervention.
The digital banking interface is rated moderately convenient, with users appreciating recent upgrades but noting navigation issues.
Transaction speeds are generally satisfactory for most users, especially for IMPS/UPI transactions.
Most users recommend the service due to branch coverage, security, and government backing.
Experts cite strong regulatory oversight, capital strength, and proven operational history as positives.
The bank has won awards for digital transformation, customer service, and product innovation.
Participates in national rankings for banking service, digital payment, and mobile banking awards.
RBI has issued recommendations for service improvements; regular compliance is maintained.
The bank is regarded as reliable and cooperative by payment institutions, merchants, and corporate clients.
Recognized for adopting new technology, launching mobile apps, and integrating UPI/IMPS platforms.
Holds ISO certifications and recognized quality service standards for banking operations.
Regularly participates in banking and fintech conferences, panel discussions, and workshops.
Positions as a comprehensive provider of retail, corporate, and digital payment solutions with a focus on inclusivity.
Supports Indian Rupee (INR) primarily; international branches handle foreign currencies as per location.
Cryptocurrencies are not supported for payments or banking transactions.
The bank does not issue or support any proprietary cryptocurrency or token.
Foreign exchange conversion is available at select branches and through internet/mobile banking for eligible accounts.
Exchange rates are sourced from RBI guidelines and market data, updated frequently during business hours.
Rates are updated regularly, reflecting current market conditions and RBI circulars.
Stablecoins are not supported in any Union Bank of India payment products.
Foreign branches may handle some exotic currencies subject to compliance and market availability.
Foreign exchange restrictions apply as per RBI and host country regulations.
Supports NEFT, RTGS, IMPS, UPI, SWIFT (international), and intra-bank transfers.
Transfers between Union Bank accounts are fully supported through all digital channels.
Transfers to cards are available via fund transfer options for debit cards; credit card payments can be made.
Yes, funds can be transferred to any valid bank account in India and abroad using approved channels.
Bill payment support includes electricity, telecom, gas, and other utilities through online banking and mobile platforms.
Recurring payments can be set up using standing instructions and online banking tools.
Automatic transfers are supported for utility bills, EMIs, and recurring payments via online platforms.
Payment scheduling features are available through online banking and the mobile app.
Group payments are typically handled by account pooling, joint accounts, or business-specific solutions.
Payment links for collections can be generated by merchants using business banking solutions.
Minimums are typically INR1 for UPI/IMPS and vary by transfer type.
Maximums depend on channel: UPI limits are INR100,000 per transaction; NEFT/RTGS/SWIFT have higher limits.
Daily limits exist and vary by channel, verification level, and regulatory guidelines.
Monthly/annual limits are set according to regulatory norms and user category; premium users have higher limits.
Limits can be increased by submitting KYC documents and requesting upgrades at the branch or via mobile/internet banking.
Verified users are eligible for higher transaction limits versus non-verified accounts.
New accounts have temporary lower limits until verification and initial transaction review are complete.
Limits for international users and NRIs are regulated by RBI and host country laws.
Accounts and operations may be temporarily blocked due to suspicious activity, compliance reviews, or user request.
All channels have transaction count limits to prevent fraud and unauthorized use; details are channel-specific.
Minimum funding amount is usually INR100 for most account types.
Supported methods include cash deposit, NEFT, RTGS, IMPS, UPI, cheque, and mobile wallet transfers.
Generally, no fees for funding via NEFT/RTGS/UPI or cash deposits; some charges apply for certain third-party wallet loads.
Minimums range from INR100 for cash/online deposits to INR500 for cheques and other channels.
Funds via IMPS/UPI are credited instantly; NEFT/RTGS within hours; cheques require standard clearing periods.
Withdrawals can be made via ATM, branch cash withdrawal, online transfers, and cheque encashment.
Withdrawal fees apply for ATM usage exceeding free limits, branch services, and remittances to non-Union Bank accounts.
Most withdrawals are instant; cheques and remittances may take 1–3 business days depending on methods.
ATM cash withdrawal limits are typically INR25,000 to INR50,000 per day; online limits depend on user profile.
Card-based online deposits are credited instantly, subject to payment gateway success.
IMPS is instant; NEFT/RTGS takes a few hours to same day; international SWIFT 1–3 business days.
Union Bank of India does not process cryptocurrency transfers.
Peer-to-peer transfers via IMPS/UPI or intra-bank are instant.
UPI/IMPS are processed instantly on weekends; NEFT and branch deposits may be delayed until the next working day.
Banking holidays may delay NEFT/RTGS and cheque processing, but UPI/IMPS usually remain operational.
No express funding fee; instant methods like IMPS/UPI are free and immediate.
Processing speed depends on transfer channel, cut-off times, weekends/holidays, and internal batch schedules.
Notifications are sent via SMS, email, and app alerts for all deposits and account credits.
Contact customer support with transaction details; they will investigate with transaction reference and payment method.
ATM and online requests are processed instantly; cheques and remittance take 1–3 business days.
ATM withdrawals are instant; card-to-card transfers may take up to 24 hours.
IMPS is instant, NEFT/RTGS within hours, SWIFT transfers within 1–3 business days.
Cryptocurrency withdrawals are not available in Union Bank of India’s system.
UPI/IMPS withdrawals are processed instantly; NEFT and branch withdrawals may be delayed until the next working day.
Withdrawals via NEFT/RTGS are delayed on banking holidays; instant methods (IMPS/UPI) are operational.
No paid express withdrawal channel; instant options are prioritised when possible.
Channel, regulatory cut-offs, verification level, holidays, and technical status determine withdrawal speed.
Customers receive SMS, email, and app push notifications on withdrawal processing and completion.
Most online withdrawal requests cannot be canceled after processing; in-person branch requests may be reversed before execution.
Registration is via branch visit, online form, or mobile app; identity documents and phone verification are required.
Details needed include full name, address, date of birth, PAN, Aadhaar, phone number, and email.
Opening an account without email is possible, but online/mobile banking access requires a verified email address.
Yes, mobile number confirmation is required for account security and transaction alerts.
Minimum age is typically 18 years for standard accounts; minors can open accounts with guardian assistance.
Corporate and business accounts are available subject to valid business documentation and verification.
Providing genuine personal and documentary data is mandatory, as per KYC regulations.
Union Bank accounts are available to Indian residents and select NRIs; local laws apply internationally.
Account activation typically occurs within 1–3 business days after verification.
Standard, full KYC, and enhanced verification tiers determine product access and transaction limits.
Basic verification requires identity proof (Aadhaar/PAN), address proof, and a recent photograph.
Full verification requires additional documents such as income statements, proof of business, and enhanced address checks.
Digital copies/scans of documents are accepted for verification via online/mobile channels.
Verification procedures take 1–3 business days, subject to volume and document completeness.
Basic functions may be enabled temporarily, but full functionality requires completed KYC.
Unverified users face low transaction limits, limited services, and potential account suspension if documents are not submitted.
Address confirmation via document or utility bill is required for full account activation.
A selfie with document may be required for mobile/internet banking activation and enhanced verification.
Documents must be updated when expired or at intervals prescribed by the bank, typically every 2–4 years.
Implements SSL/TLS encryption for web and mobile channels, and end-to-end security for transactions.
Two-factor authentication (2FA) is supported for online/mobile banking via SMS/email OTP and app authenticator options.
SMS OTP and transaction alerts are sent for nearly all payment operations and changes.
Biometric authentication, including fingerprint and facial recognition, is available via mobile app and select ATMs.
Blockchain technology is not implemented in Union Bank of India’s standard payments system.
Multi-layered security includes firewalls, encryption, fraud monitoring, and multi-factor authentication.
Personal data is secured via encryption, access controls, secure servers, and compliance with Indian privacy laws.
Not applicable, as the bank does not handle cryptocurrencies.
DDoS mitigation measures are implemented on web and mobile platforms to prevent disruptions.
Regular security audits and penetration tests are performed by internal and external teams.
Anti-phishing features include customer education, detection tools, and safe link protocols.
Automated fraud and suspicious activity detection tools are deployed in all digital channels.
AML controls include monitoring, reporting, and customer due diligence, following RBI guidelines.
Accounts suspected of illegal or suspicious activity are promptly blocked and reviewed.
Contact customer support or visit the branch immediately; the bank will block affected accounts and initiate an investigation.
Report via customer care, branch, or dedicated fraud reporting email as listed on the official website.
Compensation is provided subject to investigation outcome and compliance with bank policies and insurance coverage.
Users can raise disputes for unauthorized transactions; the bank investigates and acts per regulatory timelines.
Dispute blocked accounts by contacting customer care, branch manager, or submitting a formal request.
Cyber insurance is maintained for operational risks; client funds are protected per regulatory norms.
Transfer fees vary by method: IMPS/UPI free; NEFT/RTGS/foreign remittances carry charges as per bank tariff.
Funding via cash, UPI/IMPS is free; fees apply for cheque deposit rejection and wallet loads.
ATM cash withdrawals exceeding free limit and non-home branch withdrawals attract charges as per bank schedule.
Currency conversion fees are charged as per RBI norms and published tariff schedule.
No fees for account inactivity in standard savings accounts; dormant accounts may require reactivation.
Maintenance fees apply for certain types of accounts, including salary, corporate, and foreign currency accounts.
Operation cancellation fees may apply for incomplete, reversed, or stopped cheque payments.
No extra fees for express banking; instant channels are prioritized with no additional cost.
Fee schedules are transparently published on the website and in branch brochures.
Large transaction fees are calculated based on amount, channel, and regulatory guidelines.
Tariff plans for retail, corporate, and premium customers are published on the official website.
VIP clients receive priority service, higher limits, personal managers, and exclusive product access.
Submit premium account application; approval is based on eligibility and relationship value.
Free transaction quotas exist for ATM withdrawals, UPI/IMPS. Details vary per account type.
Activity-based discounts and special rates are periodically available for frequent users.
Business accounts have tailored tariffs covering payments, bulk transactions, and services.
Personalized pricing and service plans are available upon request and relationship review.
Promotional codes are rarely used, but referral and special offer codes may provide fee reduction.
Cashback rewards are periodically offered for specific card payments and promotional campaigns.
Volume-based discounts may be negotiated for high-frequency corporate clients.
Yes, "Union Bank Mobile Banking" app is the official mobile application.
Available on Android and iOS devices in app stores.
Mobile app features include fund transfer, bill payment, account management, card services, notifications, and more.
Most features are available on both platforms; some advanced functions may only be accessed online.
Touch ID/Face ID is supported for authentication on compatible devices.
Limited features such as viewing cached account data are available offline, but transactions require connectivity.
Push notifications for payment, deposit, withdrawal, and security events are enabled in both mobile and web apps.
Dark mode is supported in the current mobile app release.
Updates are released every 1–2 months with new features and security improvements.
Beta versions for early access are occasionally made available for selected users.
The web interface is designed to be user-friendly, with recent improvements for navigation and accessibility.
Yes, the web interface is mobile-responsive and adapts to different devices.
Available in English, Hindi, and several regional Indian languages.
Night mode/dark theme is available in the web banking portal.
Standard navigation hotkeys are available in web banking; detailed support depends on browser and platform.
Transaction and account data can be exported in PDF/CSV formats for reporting and tax purposes.
APIs are provided for corporate clients through cash management and payment integration solutions.
Integration with ERP, payment gateways, and merchant platforms is supported for business accounts.
Interface updates occur every quarter or in response to security and regulatory changes.
Virtual debit cards are issued for online transactions and e-commerce payments.
Disposable or limited-use virtual cards are available for secure online purchases.
Multi-currency accounts are offered for international banking clients.
Investment products include fixed deposits, mutual funds, insurance, recurring deposits, and government bonds.
Interest is earned on savings, fixed deposit, and select current account balances as per prevailing rates.
Credit products include personal loans, home loans, credit cards, overdrafts, and business finance.
Peer-to-peer trading platforms are not supported via Union Bank’s payment infrastructure.
Cryptocurrency services are not offered by the bank as per current Indian banking regulations.
Merchant acquiring, POS, and e-commerce integration services are available for businesses.
Bulk payout solutions are available for corporate clients, salary disbursement, and vendor payments.
Loyalty rewards for card usage and select product promotions are periodically offered.
Points are earned on debit/credit card transactions, shopping, and bill payments.
Cashback is offered at times for transaction campaigns and specific card payments.
Referral programs run periodically for new account openings and product adoptions.
VIP clients receive priority service, higher transaction limits, exclusive products, and customized banking solutions.
Seasonal promotions are launched for festivals, product launches, and special events.
Premium status can be attained by meeting account criteria, relationship value, or applying for premium product tiers.
Partner discounts are available for select merchants, e-commerce, and travel partners.
Corporate loyalty solutions are offered for bulk payouts, staff rewards, and business excellence programs.
Transactions with online casinos may be restricted or monitored in accordance with Indian regulations.
Gambling-related transaction restrictions apply as per RBI and bank policies.
Accounts may be reviewed or blocked in case of suspicious or prohibited gambling activities.
Gambling transactions are discouraged or restricted in compliance with regulatory norms.
No special banking conditions are provided for gambling-related transactions.
Gambling merchant codes are tracked for compliance; suspicious patterns may trigger reviews.
All transactions are transparently logged for regulatory compliance; privacy options are not provided.
Expense notifications can be enabled for all transactions, including those with gambling merchants.
Standard transaction fees apply; no special charges for gambling activities.
Spending limits can be set on cards and accounts, including for gambling payments.
Customers can request voluntary transaction or merchant blocking for self-exclusion purposes.
Card and account blocks for specific merchant types can be implemented upon customer request.
Controls via transaction limits and spending alerts can be configured in-app or via customer care.
Alert systems notify users when spending or transaction limits are exceeded.
Blocking of casino-related transactions and merchants can be enabled on request.
Expense tracking and categorization features include gambling and other merchant analytics.
Cooling-off periods can be implemented via temporary account or card blocks.
Bank staff can refer customers to external support organizations for gambling addiction.
Partnerships with player assistance organizations are not standard; referrals may be provided on request.
Set up spending and merchant alerts in the app, online banking, or by contacting customer support.
Acceptance by specific casinos depends on merchant integration with Indian banks; not officially listed.
Union Bank of India does not publicize exclusive casino partnerships.
Transaction conditions are subject to the merchant, regulatory, and bank standards.
No special casino bonuses are associated with Union Bank of India payment methods.
Casino deposit/withdrawal is at merchant discretion and subject to national regulations.
Casino usage is subject to Indian law and may be restricted geographically.
Transactions are processed via standard banking rails where permitted by law and merchant policies.
Processing times for casino transactions depend on the payment channel used; UPI and IMPS are instant where allowed.
Additional merchant fees may apply; consult casino management for current charges.
Some compatibility issues may arise due to regulatory blocks and merchant acceptance policies.