Refer A Friend

ü  Open UCO-mBanking application on your mobile handset

ü  Enter password for UCO-mBanking “Log in”

ü  Select “Refer a Friend” from main menu

ü  Press ok button

ü  Enter mPIN

ü  Press ok button

ü  Enter Friend Name

ü  Press ok button

ü  Enter Friend email

ü  Press ok button

ü  Enter Friend Mobile number (only 10 digits)

ü  Press ok

ü  A message will be displayed saying, “Allow application to use network for sending & receiving data?”

ü  Press Yes

ü  Choose mobile network operator if mobile has dual SIM

ü  Another message will be displayed as “Your request has been sending”

ü  Finally the following message will be displayed: - “Your request for refer a friend accepted”. This message also has date, time and transaction Id.

ü  Your friend will receive message from UCO Bank that reads as “Hi, (input friend name), your friend (sender’s name as per bank account) invited you to register with UCO Bank mobile banking. Kindly visit http://mboile.fssnet.co.in/MPAYPORTAL for further details.”

You will receive mail from mpayfis@fss.co.in that has subject as “Invitation from UCO Bank mobile banking ” with messages from MPAY Team

Advantages of Mobile Banking

Mobile banking offers banking services on a mobile phone. Mobile banking service is primarily available over SMS (Short Messaging Service) or through GPRS (General Packet Radio Service) or sometimes through USSD (Unstructured Supplementary Service Data). The services available are:

Ø  Funds transfer (intra and interbank)

Ø  Balance enquiry services/mini statements

Ø  Request services (cheque book)

Ø  Utility bill payments and credit card payments

Ø  Demat account services

Ø  Mobile top up

Ø  Merchant payment, life insurance premium

Ø  Stop payment instructions

Advantages of Mobile Banking

Ø  Providing banking service to unbanked areas and to those customers who otherwise would not have got the banking service.

Ø  The wage earners staying away from their homes and finding it difficult and expensive to remit money to their families, can send money instantly through mobile banking

Ø  The wage earners can do bank transactions without visiting the bank. The advantage being that they do not lose a day’s wages which they would otherwise lose by going to the branch for getting any banking service.

Ø  All non cash banking requirements can be carried out using mobile phones.

Registration of UCO m-Banking through ATM

1.    Visit any UCO Bank's ATM to register

2.    Inserts ATM card in the ATM machine

3.    Enter ATM Card's PIN

4.    Select “Other Services” ---> Mobile Banking Registration

5.    Enter Mobile number (only  10 digits )

6.    Select <Confirm> button.

7.    Select the Account Type options <CURRENT> or <SAVINGS>

8.    Collect the print out of the message "Your Mobile Number Registered successfully"

After successful registration, 2 messages will sent to the registered mobile number that provide mBanking Application URL link for downloading and Application password and MPIN respectively.

9.    Now, click on the URL link in the SMS message and downloads the Mobile Banking application on Mobile.

10.  The Icon for UCO m-Banking will appear on Mobile.

Registration of UCO m-Banking through ATM

1.    Visit any UCO Bank's ATM to register

2.    Inserts ATM card in the ATM machine

3.    Enter ATM Card's PIN

4.    Select “Other Services” ---> Mobile Banking Registration

5.    Enter Mobile number (only  10 digits )

6.    Select <Confirm> button.

7.    Select the Account Type options <CURRENT> or <SAVINGS>

8.    Collect the print out of the message "Your Mobile Number Registered successfully"

After successful registration, 2 messages will sent to the registered mobile number that provide mBanking Application URL link for downloading and Application password and MPIN respectively.

9.    Now, click on the URL link in the SMS message and downloads the Mobile Banking application on Mobile.

10.  The Icon for UCO m-Banking will appear on Mobile.

Mobile Recharge through UCO m-Banking

Follow the steps described below for recharging your mobile with Rs 10/- to Rs 10000/- using UCO m-banking facility on your mobile set:-

1.    Click on UCO m-Banking application

2.    Enter Password to Login

3.    Select My Services from Main Menu

4.    Select Mobile Recharge option from My services menu

5.    Select Recharge option

6.    Enter mPIN

7.    Enter Mobile Number

8.    Press OK

9.    Press Yes

10. Enter Amount (Minimum 10 & Maximum 10000)

After this steps mobile will be recharged and 2 sms will be received. The one sms will have message as: “Your payment is successful. No further steps are required to be followed by the customer-UCO mBanking”.

The other sms will have message related to the recharge amount.

IMPS ( Inter Bank Mobile Payment Service) pricing model

Transaction amount	Transaction fee from remitter customer
For transactions upto Rs. 1 Lakh	RS.5 +Service tax
For transactions above Rs. 1 lakh and upto Rs. 2 lakh	Rs 15+ Service tax
For transactions above Rs. 2 lakhs	RS 25+Service tax

IMPS (Inter Bank Mobile Payment Service) pricing model

Transaction amount	Transaction fee from remitter customer
For transactions upto Rs. 1 Lakh	RS.5 +Service tax
For transactions above Rs. 1 lakh and upto Rs. 2 lakh	Rs 15+ Service tax
For transactions above Rs. 2 lakhs	RS 25+Service tax

UCO SMS BANKING SERVICE

An Overview

UCO SMS Banking is a technology based new service offering from UCO Bank to its customers for their convenience allowing them to avail selected banking services via their mobile phone using SMS.

SMS Banking Services are operated using both PUSH & PULL Messages.

PUSH Messages (Alerts) are the customized alerts. Under this service, customer registered for Mobile Banking facility shall be able to get SMS alerts for various activities on his account. Such messages are those that the Bank chooses to send out to a customer’s mobile phone for which the customer needs to be registered under UCO SMS Banking Service by submitting one time application to the bank for availing the facility.

PULL Messages (Request) are those that are initiated by the customer using his mobile phone for obtaining information or performing a transaction in the bank Account, for example ‘balance enquiry’ or ‘cheque status enquiry’.

Now you can access your bank account and avail a host of banking services and enquiries through your mobile phone with our UCO SMS Banking Service.

Download SMS Banking Application Form
Download SMS Banking Terms & Conditions
Some of important questions related to the sms banking are discussed below:

What can I get alerts for?

Our SMS Banking Service provides you information in the form of SMS alerts for various activities performed on your account.

•           Salary Credit

•           Account getting debited

•           Account getting credited

•           Cheque bounce

•           Balance above certain limit

•           Balance below a limit

•           Bill payment / Bill registration (through e-banking) alert

•           Batch alerts

•           Promotional alerts

•           Greetings

What can I do using Mobile Banking?

Our SMS Banking Service provides you host of functionalities that you may avail using your mobile phone.

•           Balance enquiry

•           Last three transactions

•           Cheque status enquiry

•           Account statement request

•           Change of SMS Password

•           Suspending self from SMS Banking Services

•           Sending message to Branch Head

How does it work?

SMS Banking works through a set of Text Message (SMS) through which you can perform a wide range of information based or query based transactions from your mobile phone, without even making a call.

•           All you need to do is to type in the specified ‘keyword’ and some other required parameters in the message box of your Mobile phone and send it to 56161

•           You will get a system generated response in the form of a text message (SMS) on your mobile phone screen within a few seconds.

See Keywords assigned for various ‘Request Facility’

Sno	Description	Key word	Parameter1	Parameter2	Parameter3
1	Balance Enquiry (for Primary A/c)	UCOBAL	mPIN
2	Balance Enquiry (for other A/c)	UCOBAL	mPIN	A/c No.
3	Last 3 transactions	TRAN	A/c No.	mPIN
4	Cheque Status Enquiry	CHQST	A/c No.	mPIN	Cheq No.
5	Account statement request	ACSTT	A/c No.	mPIN	Month
6	Change of SMS password	CHNGPW	mPIN	New mPIN
7	Suspending self from SMS Banking Service	SUSPND	A/c No.	mPIN
8	Sending message to RM of the Bank	MSGBM	A/c	mPIN	Message

SMS to be sent to 56161 by the customer from his Mobile phone.

For Example for balance enquiry, type the message in the message box of your mobile phone in the following manner and send the same to 56161. You will get system generated response.

UCOBAL  <mPIN>

For balance enquiry of other account (if more than one accounts are linked)

  UCOBAL  <mPIN>  <14 digit Account number>

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.

10 Points of mBanking

1. 10 POINTS OF SMS/m BANKING

   The alerts will be sent to the customers only if the customer is within the cellular circle of the CSP or in circles forming part of the roaming GSM network agreement between such CSPs.

2. The customer acknowledges that to receive alerts, his mobile phone number must be active and accessible.

3. UCO Bank shall not be held responsible for the confidentiality, secrecy and security of the personal or Account information being sent through the SMS facility.

4. UCO Bank will not be liable for Loss of any information / instructions / alerts in transmission.

5.  UCO Bank shall not be concerned with any dispute that may arise between the customer, the CSP and any other party and makes no representation or gives no warranty with respect to the quality of the service provided by the CSP or guarantee for timely delivery or accuracy of the contents of each alert.

6. UCO Bank shall not be held liable in the event that the mobile phone company / mobile phone service provider fails, for any reason whatsoever, to reload the prepaid airtime of the customer.

7. The customer agrees that any complaint in connection with the reload service shall be referred to and addressed by the mobile phone company / service provider.

8. UCO Bank may, at its discretion, withdraw temporarily or terminate the facility, either wholly or in part, at any time.

9. UCO Bank may, without prior notice suspend temporarily the facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which requires the temporary suspension of the facility.

10.  YOU are requested to co operate us and to use different alternative channels of our services.

THANKS!!