FAQ of mBanking

1. What is UCO Mobile Banking?

UCO Mobile Banking is a service offered by UCO Bank to its customers that allows you to avail selected banking services via your mobile phone without making a call, using SMS facility.

2. Whether Mobile Banking Service is available to all customers?

This service has been implemented uniformly in all CBS branches across the country. Hence, it is available to customers of all CBS branches.

3. How does it work?

Mobile Banking service works on ‘Short Messaging Service’ (SMS) that is available on mobile phone. This facility allows you to send a SMS using your mobile phone to a specific number provided by UCO Bank. All you need to do is to type out a short text message using ‘Key Words’ assigned by the Bank for various activities and send the message (SMS) to 56161. The system generated response will come to you as SMS on your mobile phone. All within a few seconds.  

This message travels from your mobile phone to the SMS Centre of Cellular Service Provider, and from there it travels to the Bank’s systems. The information is retrieved and a system generated response is sent back to your mobile phone via SMS Centre within few seconds. This twin activity of sending SMS to 56161 and getting a system generated response constitute one PULL Request.

4. What are the eligibility criteria?

You need to have a mobile phone connection in your name, and You also need to have a SB/Current/Fixed Deposit  Account with any CBS branch of UCO Bank.

5. How can I avail this facility?

You need to visit UCO Bank’s branch with which you maintain the account. Fill in the prescribed application form and submit the same to the branch.

If you are a customer already registered under UCO e-Banking, you can set your own password for Mobile Banking service after you get a confirmation that Mobile Banking service is enabled for you. You can also subscribe to various alerts facility after logging into UCO e-Banking.

If you are not registered under UCO e-Banking, you will get a password for Mobile Banking services that you need to collect from the Branch.

6. How can I get Application Form for mobile Banking?

Application forms can be downloaded from UCO Bank’s website www.ucobank.com. (After logging into website, click on e-banking link and then Mobile Banking Services.)

7. What are the charges for availing the facility?

There are no charges for availing this facility. This service is provided to you FREE from UCO Bank. However, the Cellular Phone Service Provider may levy a nominal value added services charge for the SMS facility in case of PULL request when you send SMS to 56161.

8. What transactions can I carry out from my Mobile phone using UCO Mobile Banking Service?

The following transactions are presently available:

Balance Inquiry of all accounts linked to your Customer ID

Details of last three transactions

Cheque status enquiry

Account statement request

Change of SMS password

Suspending from Mobile Banking service

Sending message to Branch Manager of the Bank

9. Is there a PIN number?

Yes, there is mPIN number (Mobile PIN). It is 4 digit secret PIN number that allows  you to carry out information based transactions using your mobile phone. Customers already registered under UCO eBanking service may set their own mPIN once Mobile Banking Service is activated for them.

mPIN for the customers who are not registered under UCO eBanking will be generated by Head Office  e-Banking Cell which can be collected from your branch.

10. Is email address necessary?

It is desirable but not necessary.

11. If I do a balance Inquiry, will it be counted as one message or two?

It will be counted as two messages. Sending your request to 56161 is one message and getting back a system generated response to your mobile phone is another.

12. What if my mobile phone is lost?

If your mobile phone is lost, you must inform the branch. Your mobile banking facility shall be disabled.

13. What if I change my mobile number?

You have to send a written request to the Bank through your branch. Your mobile number will be changed

14. Can I avail of this service from outside my city of registration or telecom circle?

Yes, provided you have national roaming facility in your mobile phone from the Cellular service Provider. However, you can not avail of this service while travelling outside India.