Verified by VISA

¢  Verified by Visa (VbV) is an easy to use, secured online payment service from UCO Bank that lets our customers secure online shopping using UCO Bank Visa Debit Card.

¢  Cards must be registered for VbV through the link provided in UCO Bank Website.

¢  At the time of on-line payment the customer can select any VISA payment gateway.

¢  At the time of on-line payment the customers has to provide the 3D-secure password selected by the customer  at the time of Registration process of VbV.

¢  With the power of Visa Debit cards, making online payment is simple and safe.

¢  Followings are the simple steps to do VbV:

1.    Open UCO Bank Website www.ucobank.com.

2.    Select Verified  by VISA

3.    Click on Register button { Existing users have to Enter Card Number, Password & click on Login Button to Login}

4.    Accept all terms & conditions and Click on “I Accept” button

5.    Enter ATM card number

6.    Enter ATM Expiry Date  

7.    Enter ATM PIN

8.    Now, click on “Next” Button.

9.    Enter other required details and

10. Click on “Submit” Button

(Remember the password for further transactions)

PAYMENT OF LIC PREMIUM THROUGH E-BANKING

UCO Bank site will be opened.

Click E Banking > personal banking > put login id and password

E-banking page will be opened.

Click on 'bill payment' in the menu bar.

Another page will be opened.

On the left hand side of the page you can see 6 items, click on the 5th item i.e 'bill presentment'

Another page will appear.

Click on payee setup registration.

Another page will appear.

Give the payee name as LIC and click on search.

Another page will appear, click on blue colored LIC.

Another page will appear. In this page the customer has to give only three pieces of information: LIC policy number, premium amount and email id.

Premium amount should be given with paisa. For example, if premium amount is Rs.1500, the customer should put the amount as Rs.1500.00.

Then click on 'add' in the bottom. A number will be generated and note down this number. Allow LIC and Bank minimum 15 days to have the necessary 'handshake' before the due date of first premium.

Our E Banking will continue to pay the premium to LIC by deducting his account till the maturity. It is very comfortable for the customer. S/He needs to keep sufficient amount in his account.

For each LIC policy the customer should register separately.

Enjoy E Banking experience

UCO Secure

UCO Secure™ from UCO Bank is a safe and secure method for Online Banking and Net Banking Payments. It protects one from Internet frauds such as login-id / password theft by phishing / key logging etc. 


When one will be enrolled for UCO Secure™, the Activation PIN will be sent to one’s mobile number registered with UCO Bank. After getting activation log in the UCO e-banking. The following messages will be shown after log in:

• If you have the Activation PIN select the YES option below. Otherwise, select NO.

Activate UCO Secure™ now?

          

You will need the Activation PIN to activate UCO Secure™ after download. 


If you have not received the Activation PIN by SMS from UCO Bank, please contact UCO Secure™ Support at 1800 345 3337 or ucosecure@ucobank.co.in.

Steps to activate UCO Secure:

Step 1: Download UCO Secure™ Installer by clicking on the link and save it to your computer.

Step 2. Run the Installer to install UCO Secure on your Machine.

3: Start UCO Secure™ by clicking on the UCO Secure Icon on your Desktop.

4: Enter your Internet Banking User ID

5: Check that the Verification Key is matching and enter the Activation Code

6. You will be asked the Security Question. Specify the Security Answer, set your Device PIN and click Submit.

7: UCO Secure™ launches the UCO Bank Retail and Corporate Internet Banking login page in a secure desktop mode. Login to your account and continue Internet Banking.

If you are unable to download or install UCO Secure™, please try this link  to download and extract the ZIPPED version of UCO Secure.

If you are still unable to download or activate UCO Secure™, contact UCO Secure Support at 1800 345 3337 orucosecure@ucobank.co.in and try logging in again if the problem is resolved.

Payment of the bill having the status waiting for acceptance

STEP I: Select the bill showing the status as waiting for acceptance and click on Details

STEP II: The bill with the necessary details will be displayed. Enter the date on which the payment will be made and click on Pay

(NOTE: User can schedule the payment of such bills only on or before the due date specified otherwise the bill will get defaulted. The user cannot make payments to the bills with defaulted status.)

Making Bill Payment: Case 2

Payment for Billers in Presentment mode

For billers in presentment mode, user’s registration details are sent to the biller. Subsequently whenever the bill is generated by the biller, it is uploaded on www.ucobank.com.

STEP I: The status of the bill will be shown as Bill Presentment in the bill pay home page.

STEP II: View the list of scheduled Payments

STEP III: Click at View to either accept or reject the payment.

The bill with the necessary details will be displayed. Enter the date on which the user wants to pay the bill and accept or reject the bill.

The status of the bill where previously it was showing Waiting for acceptance will change as Pending

(NOTE: The user can schedule the payment on such bills only on or before the due date specified otherwise the bill will get defaulted. User cannot make payments to the bills with defaulted status.)

STEP IV: Alternatively, if the user desire to either the pay the bill automatically up to any amount or up to certain amount if the bill is within that certain amount, he may do so by clicking at the PAYEE and mentioning his conditions at the relevant column followed by clicking at UPDATE button

Making Bill Payment: Case 1

Payment to Billers in Bill Payment Mode

STEP I: Click on Bills -à Make a Payment option

STEP II: Select the biller to whom the payment has to be made.

STEP III: Click on PAY and enter details as required by the biller.

STEP IV: Click on PAY

STEP V: Confirm the transaction by entering your transaction password

The customer can make payment instantly or schedule it for a future date either one time or repetitive by going to Bill Payment àMake a Paymentà Select onetime payment or repetitive payment.

If it is a onetime payment, in Details of Payment schedule, if it is payment at a future date, the user needs to mention the future date. Alternatively, if the user need to make immediate payment, he will have to click at the check box àMake a Hot Payment. In case of repetitive payment, in Details of Payment schedule, the user need to mention in the Payment date column, the date of future payment, payment frequency column to be selected from drop down box, and the no. of time the payment is required to be made.

Finally, confirm the transaction by clicking Pay button, followed by confirming it by users Transaction Password.

“Visa Debit e-com Cash back Offer”

1. The Visa Debit Cashback Promotion (the “Promotion”) is open to all holders of Visa Debit cards (excluding Visa Business Debit cards and Visa Commercial Debit cards) issued by banks in India that offer the Verified by Visa service to their Visa Debit cardholders (“Cardholders”). Visa Debit cardholders should contact their card issuing banks to confirm if the Promotion is open to them and/or for any further details relating to the Promotion.

2. The Promotion will be held during the period from 1 June 2012 to 31 August 2012 (both inclusive) (the “Promotion Period”). The Promotion Period is divided into 3 qualifying periods of 1 month each (“Qualifying Periods”), the details of which are as follows:

First Qualifying Period 1 June 2012 to 30 June 2012

Second Qualifying Period 1 July 2012 to 31 July2012

Third Qualifying Period 1 August 2012 to 31 August 2012

Information about the Promotion is correct at the time of publication. Cardholders can refer for the latest set of Terms and Conditions on www.visabillpay.in/debit

How to make NEFT/RTGS payment

To make NEFT/RTGS payment the following steps may be taken:

1. Log in the UCO eBanking

2. Click on the FUND TRANSFER option

3. Click on the RTGS/NEFT Fund Transfer option

4. Click on Add Beneficiary option and fill all  relevant data of beneficiary

5. Click on Make Payment option. Your beneficiary list will be displayed.

6. Choose the Beneficiary and click on the MAKE Payment option against the details of the beneficiary

One has to provide merely the details of Account No., Amount and to Select the Terms And Conditions options.

7. At last click on the Transfer button. The payment will be done within 4-6 seconds.

Enjoy e-banking!!!!

Standard Payee and Non-Standard Payee

Standard Payee is a Payee created by the Bank. For example, the Utility Company likes Telecom Companies like AIRTEL, Hutch, Reliance, Tata Teleservices,, Electricity Supply Company Gas Services Co., LIC, etc. In case of Standard Payees, the user may simply select the details from the list provided by Bank.

Non-Standard payee is a payee who is specific payee to the user viz. payment to landlord, payment to any person etc. which the user wants to make either instantly or over a period of time and has got account with any of the CBS branch of UCO Bank.

Registration for a Biller

Register for a biller by providing the bill details.

[The user may register his payee details which can be both a standard and Non-Standard Payee at Payee Setup]

For this Go to Bill Payment ---->> Payee Set up for payment type bills.

For presentment type bills, the customer need to go to Bill Presentment ---à>Payee Set up for registering.

Add a Standard Payee:

A Retail/Corporate user can add a standard payee to his Personal Payee list by clicking on Search on the screen, from a list of standard payees meeting the search criteria. User can click on the payee nickname to select Standard Payee Name to add the payee in his personal payee list.

The user can specify his consumer code (consumer code is the link between the user and the Payee   example, phone no. for the telecom company payee) and add the standard payee in his personal payee list.

On clicking the hyper link, the user can view the payee registration details. Update and Delete facilities is provided on the same screen which is required to be used for adding or deleting any details.

eBill Payment: some important points

1.    Processing of the Bill Payments.

All the payments will be processed and the accounts will be debited on the Scheduled Date.

In case of holiday the account will be debited the next working day.

2.      Presentment type of billers - viewing the bills

The bills for the presentment type of biller can be viewed from the next billing cycle from the date of your registration.

3.     Finding the name of registered biller in Make a Payment option.

Billers of presentment types would not be found in the Make a Payment option. Such billers can be seen in Bills Payment - Payee Set up

4.      Changing the scheduled date of payments once scheduled. The user can change the schedule date.

STEP I: Select the bill for which the scheduled date is to be changed by going to either Bill Payment/Bill Present Option.

STEP II: Click on Edit or View there. User can change the scheduled date and click on Update

5.      Cancelling scheduled payment.

The user can stop a scheduled payment for bills in “pending” status by following the below given steps:

STEP I: Click on the bill which has its status as pending

STEP II: Click on check box delete the payment and update.

6.     Deleting a biller registered earlier.

Payment Type:  The user can go to Bills Payment - Payee Set up and select the Biller and click at the check box delete this Personal Payee from personal list and then Update.

Presentment Type: 

Case I - If the status is Waiting for acceptance then the user has to accept the bill and when the status changes to Pending then delete the bill.

Case II: If the bill has its status as Defaulted then the user cannot delete the biller till the expiry period mentioned for that biller. Once the expiry period is over he can delete the biller in the same manner as that of payment type.

7. Viewing the status of paymentsFor viewing the status of payments made, the user can go to Bill Payment or Bill Presentment as the case may be and click at View Pending Payments option and view the payments. The number of payments with status as Pending can be seen on the Bill Pay home page itself.

8.      Receipt for payments made and checking of the payment status

For knowing whether a bill has been paid or not and getting a receipt for the payment made, steps are:

Steps: Go Bill Payment/Bill Presentment option - View Payments made - Change the payment status to Success and click at Retrieve.

The user will get the list of successful Payments.

On this page, when clicked on the Payee Name hyperlink, the Payment Details screen opens up. This screen has the button for getting the cyber receipt. On clicking this button, the user will get the options to Save/Print/Mail the chosen receipt.

9.      Bill in paper form

Depending on the biller arrangement, the user may continue to get his bill in paper form.

10.     Adhoc Payment

In case the user does not desire the payee to be included as a personal payee, he may select the Adhoc Payment option by providing the Payee Account no. and the select payee branch of the Bank from the drop down box and make payment in the same way as in the case of normal payment.

  Charges for Bill Pay facility

 UCO Bill Pay is free of cost.

Different biller categories

Payment Mode Billers: For these billers the customer can make the payments immediately after registering for them. The bills for these billers are not presented online and the customer can choose to pay any amount as desired by him.

Presentment Mode Billers: For these billers, the bills are presented on www.ucobank.com and the customer can login and view his bill online. Once opted for a presentment mode biller, customer details are sent to the biller and whenever his bill is generated (which would be the next billing cycle from the registration date), it is presented on www.ucobank.com for the customer to make the payment.

Payments to such billers cannot be made immediately after registering for them; it usually takes 3-4 weeks after the date of registration for the bill(s) to be presented online.

There are still certain type of Billers namely, Railway Booking, Airline Booking, Payment to Shopping Malls etc. for which the customer need to go to their website and make payment to them by debit of his account instantly.

Bill Payment Service

Bill Payment Service as a part of internet banking facilities for the customers of CBS branches of UCO Bank is available over the internet at our Website www.ucobank.com. The service is available, initially to our internet banking customers for the billers located at 8 centers, namely, Mumbai, Kolkata, Delhi, Chennai, Ahmadabad, Bangalore, Hyderabad and Pune. Gradually this will be extended to other centers.

Service Provider: The Bank has entered into a service agreement with M/s IndiaIdeas.com Ltd (erstwhile Bill Desk) to externalize the biller management, data handling and technical integration etc.

Electronic Bill Presentment & Payment - Procedural Aspects (EBPP)

                1.   What is Bill Payment?

Bill payment facility offered by the Bank enables the e-banking customer to pay all hisUtility Bills like electricity, telephone etc, Mobile Phone bills and Insurance premium bills at the click of a mouse. No more hassles of personally visiting the Biller to pay the bills.

The customer can check the status of the payments made and also query on all the bill payments made by him.

For Presentment Mode Billers the customer can view the bill online and pay immediately or schedule the payment of his bills. Now no more hunting around for the right amount to be paid. Paying these Bills online will ensure that the customer do not miss any due dates. It acts as a reminder for the customer.

With Auto Pay facility for presentment mode billers, the customer can choose to automatically pay all his bills or only the bills below a specified limit.

2 Advantage of Bill Payment

UCO e-Banking is the easiest way to manage your Bill payments.

Bills can be paid anytime, anywhere without any extra charge through internet.

List of billers can be viewed through the click of a mouse.

Bills can be scheduled in advance to avoid missing the bill due dates.

3.  No registration separately for Bill Payment

The valid users of UCO e-Banking Service will be provided with Bill Payment facility. Separate registration for Bill Payment is not required.

4. Charges for Bill Pay facility

UCO Bill Pay is free of cost.

Facility of Loan & RD installment payment through e-Banking

Facility of loan & RD installment payment is now available in our UCO e-banking.  A customer may transfer fund to his /her loan /RD account through fund transfer menu of e-banking. Necessary help is available in e-banking site for user convenience.

The steps to pay Loan & RD installment through e-Banking are as below:

Step- 1

Login to e-banking and go to ”fund transfer” menu.

Click on “transfer to RD/Loan account” link.

Step-2

Click on “Add New Payee“link.

Step-3

Fill relevant details and click on “Add payee” button

Step-4

For installment payment, click on “make payment” device against the desired account.

Step-5

Select the debit account from the list; fill the amount and transaction menu (optional).

Then click on “transfer” button. You will get a successful message and installment will be credited to the RD/loan account from the debit account chosen by you.

Frequently Asked Questions : UCO e-Banking

What is UCO Internet Banking Service?

You can access various services of UCO Bank at anytime, anywhere and from anyplace provided you have access to an Internet Connection. Having registered with us, we are with you wherever you are and at any point of time. You have online, real time access for different services provided under a completely secure environment, using 128-bit encryption Secure Socket Layer (SSL).

Why UCO Internet Banking Service?

UCO Internet Banking Service opens up an entirely new way of doing your banking, anytime and from anywhere in the country 24 hours a day, 365 days a year right from the comfort of your home or office through internet. It is personalized to meet your requirements. It's fast and convenient with no special software requirement. Our wide range of online banking services will help you better manage your finance. Moreover, we will progressively add more services for your convenience.

Who can use UCO Internet Banking Service?

UCO Internet Banking Service is available to all the customers of CBS branches of UCO Bank, who are resident Customers holding accounts either single or with a joint operating mandate. Joint account holders will not be permitted to do all financial transactions on Internet Banking. However, in case of joint accounts with operating mandate "Either or Survivor" both the holders can be allowed to view and transact subject to submission of application with joint signatures. Our UCO Internet Banking Service is also available to the customers of non CBS branches of our bank with certain limited options.

Disclaimer: UCO Bank reserves the right to offer UCO Internet Banking Service to selected customers at its discretion and at such limited locations as may be specified by the Bank from time to time.

How Secure is UCO Internet Banking Service?

Security: The Bank maintains the highest of standards as far as security technology is concerned, some of which are: 128 bit SSL encryption - This is the highest level of security available for communication and transactions on the Internet. SSL encryption allows the Bank to encrypt information, so that when it travels through the internet, it is encrypted and cannot be accessed by anyone. SSL also ensures that information is sent to the correct place and that it is not tampered with.

What do I need to use the services?

You need a PC with minimum PII processor, 32 MB RAM with Microsoft(r) Internet Explorer 5.5+ and Netscape(r) Navigator 4.5+ with a resolution of 800*600 or more...

What If I do not have a PC?

No problem. You can access it from any computer having Internet connectivity.

Is it safe to login from Cyber Cafe?

Yes, provided you do not disclose your passwords to anyone and logout properly. We recommend you to clear the browser cache after each session so that your account information is removed from such PCs.

Do I have to pay for using this service?

No! There is no extra charge for using this service. This service is absolutely free.

How do I get access to Internet Banking Services?

You need to have an account at any of our UCO Bank branch. Then you need to register for the Internet Banking Services with the branch by filling the application form.

Note: Please note that services will differ for customer of CBS (Core Banking Solution) and Non CBS (Core Banking Solution) branches.

What if, I do not have an account with UCO Bank?

We shall be glad to have your account with us. Walk in to any one of our branches, our staff will assist you.

How do I get User-Id and password for the Internet Banking Services?

User Id and Passwords can be sent to the address specified in the application form. However, to ensure the security and safety, we recommend you to please collect your User Id and password from your branch.

I am a UCO Bank customer but do not have account at a CBS branch. What shall I do to avail Internet Banking Services?

Our UCO Internet Banking Service is also available to the customers of non CBS branches of our bank with certain limited options. However, we suggest either opening an account at any of our CBS branches or asking for transfer of your existing account from your branch to a CBS branch to access the full functionality of UCO Internet Banking Service.

I want to register for Internet Banking Services. What do I do?

Kindly download the application form, fill in the details and submit it to your branch. Alternatively you may call on at any of our branch, and our staff will assist you.

Why are the Passwords so cryptic?

The machine generates passwords for your first time access randomly and we have no control over it. It is mandatory to change your passwords at first login.

Can I change the User Id and Password?

It is mandatory for you to change the machine-generated passwords with your own passwords at first login. You can change your passwords any number of times subsequently, but you can not change your User Id.

How to change passwords?

Passwords can be changed any time and any number of times. To secure access to your account through Internet, it is recommended to change it often. You can go to Customize option and change your passwords.

1. The password cannot consist of all the characters as are in your Username. For example if your Username is "Bob", then your password cannot be "Bobby".

2. Only letters and digits are allowed.

3. Special characters are not allowed in the password.

4. The Password should contain a minimum of 6 characters and a maximum of 10 characters

 What are the good practices for creating a password?

You are requested to choose a password that is not a dictionary word and not guessable from your personal information known to others such as names in the family, vehicle numbers etc. You should change your password frequently. Please try to remember the password and do not write it down or paste it somewhere.

Security Warning: 

Your User Id and Password are highly confidential. Do not part with them. UCO Bank will never ask for this information. Hence, do not tell your password to anyone even if they claim to be from the bank.

I am unable to login with the couriered Password and allotted Customer ID.

Passwords are case sensitive. Also be a little more careful while typing the system-generated passwords for the first time. In case you are still not able to login, Please contact your branch or write to us at uco.custcare@ucobank.co.in

What happens if I forget my User Id for Internet Banking Service / Internet Banking?

In case you forget the User Id for Internet Banking Services, please contact your branch.

What happens if I don't logout?

Please ensure to logout when you finish using the UCO Internet Banking Service. However, if you abruptly close your Internet Banking page, your session will end.

Security Warning: 

Though your login session of UCO Internet Banking Service will be terminated if your browser is left idle for a while, we strongly recommend not leaving your system in between during Internet Banking, as this will give opportunity to others around you to operate your accounts.

Can I use the Mailbox to send e-mails to my friends?

No! The mailbox is only for communication between you and UCO Internet Banking Service

What should I do if I see the message that "This program has performed an illegal operation...”?

This is commonly known as GPF (General Protection Fault). This is an error that happens at your PC. Usually you have to restart your browser and sometimes you may need to restart your PC. If the problem persists, Please consult your PC Vendor. 

What should I do if I do not get a response after clicking on hyperlink or icon?

The response time is mainly effected by several factors, including the speed of your modem connection speed / configuration of your PC, and the volume of network traffic over the internet at the time you are using the service and it becomes unavoidable slow to respond. If there is a delay in response from when you have clicked something, please wait... Avoid clicking repeatedly on a particular link. Do not click "Refresh" or "Reload" or "Back" or Forward" buttons.

THANKS !!!