UMobile – a milestone in banking sector provides the customers a secure and convenient means of banking from anywhere anytime. Customers can check their account balances, view mini statement, transfer money to accounts within Union Bank of India, other banks, make Donations, Enquire Cheque status, Mark stop payment of Cheque , know branch/ATM locations and even request bank for cheque books, all this on the press of button on mobile. UMobile is a secured payment channel since the customer does not compromise with information like debit card number or pin. So what are you waiting for! Explore UMobile and also refer it to your friends.
Customer desirous of availing Mobile Banking facility can download UMobile app available on Google Playstore and Apple store. After downloading of the UMobile app, customer can register using any of the three existing modes.
In this document the following words and phrases have the meaning set below unless the context indicates otherwise:
"Accounts" shall mean bank account and/or credit card account and /or any other type of account so maintained by the Customer with Union Bank of India or any of its Affiliate for which the Facility is being offered or may be offered in future (each an "Account" and collectively "Accounts");
"Affiliate" of Union Bank of India shall mean and include:
(a) any company which is the holding company or subsidiary of Union Bank of India, or
(b) a person under the control of or under common control with Union Bank of India, or
(c) any person, in which Union Bank of India has a direct or beneficial interest or control in more than 26% of the voting securities of such person. For the purpose of this definition of Affiliate and terms and conditions, "control" together with grammatical variations when used with respect to any Person, means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise howsoever; and "Person" means a company, corporation, a partnership, trust or any other entity or organization or other body whatsoever.
"Customer" shall mean a customer of Union Bank of India or of an Affiliate or any person who has applied for any product/service of Union Bank of India.
"Union Bank of India" shall mean Union Bank of India, a Banking company constituted under Acquisition and transfer of undertakings Act 1970 and licensed as a bank under Banking Regulation Act, 1949 having its registered office at Union Bank Bhavan, 236, Vidhan Bhavan Marg, Nariman Point, Mumbai 400 021. )
"Facility" shall mean mobile banking facility (which provides the Customers, services such as information relating to Account(s), details about transactions and such other services as may be provided on the Mobile Phone Number by Union Bank of India from time to time.
"Mobile Phone Number" shall mean the number specified by the Customer on the Website, through the call centre or in writing either through any Form provided by Union Bank of India or otherwise for the purpose of availing the Facility.
"Personal Information" shall mean the information about the Customer obtained in connection with the Facility.
"Website" refers to www.unionbankofindia.com or any other website as may be notified by Union Bank of India from time to time.
“Debit Card” refers to the debit cards issued by Union Bank of India to its customers.
In this document all reference to Customer in masculine gender shall be deemed to include the feminine gender.
Applicability of Terms and Conditions :
These terms and conditions together with the application made by the Customer and as accepted by Union Bank of India shall form the contract between the Customer and Union Bank of India, and shall be further subject to such terms as Union Bank of India may agree with the other service providers . These terms and conditions shall be in addition to and not in derogation of the terms and conditions governing Union Bank of India Phone Banking, Union Bank of India Internet Banking and relating to any Account of the Customer and /or any other product/services provided by Union Bank of India and its Affiliates.
The Customer shall apply to Union Bank of India for use of the Facility (and/or for any changes to the options available under the Facility) by use of Union Bank of India’s ATMs or by any other method as provided by Union Bank of India from time to time including application through forms as prescribed by Union Bank of India from time to time for use of the Facility.
Application for the Facility made by use of Union Bank of India’s ATMs shall be accepted only after authentication of the Customer through any mode of verification as may be stipulated by Union Bank of India from time to time as may be decided at the discretion of Union Bank of India.
Eligible Customer :
The Customer desirous of using the Facility should be either a sole Account holder or authorised to act independently. All or any transactions arising from the use of the Facility in the joint account shall be binding on all the joint account holders, jointly and severally. An Account in the name of the minor, in which a minor is a joint account holder or any account where the mode of operation is joint, is not eligible for the Facility.
Availability & Disclosure :
Union Bank of India shall endeavor to provide to the Customer through the Facility, such services as Union Bank of India may decide from time to time. Union Bank of India reserves the right to decide what services may be offered to a Customer on each Account and such offers may differ from Customer to Customer. Union Bank of India may also make additions / deletions to the services offered through the Facility at its sole discretion. Only those Accounts opened with the Affiliates of Union Bank of India and attached to the respective Customer's ID will be accessible through the Facility.
The Facility is made available to the Customer at his request, at the sole discretion of Union Bank of India and may be discontinued by Union Bank of India at any time, without notice. Union Bank of India reserves the right to offer the Facility for those Customers who are availing the services of specific cellular service providers only. The Facility is currently available to only to the Customers holding Accounts with Union Bank of India's branches in India. Union Bank of India shall have the discretion to offer the Facility to Non Resident Indians subject to applicable laws
The access of the Customer to the Facility shall be restricted to Customer availing the Facility through the Mobile Phone Number.
The instructions of the Customer shall be effected only after authentication of the Customer by means of verification of the Mobile Phone Number and/or through verification of TPIN/ password allotted by Union Bank of India to the Customer or through any other mode of verification as may be stipulated at the discretion of Union Bank of India.
Union Bank of India shall endeavor to carry out the instructions promptly provided that Union Bank of India, shall not be responsible for the delay in carrying out the instructions due to any reason whatsoever including failure of operational system, failure at mobile operator end or due to any requirement of law.
Authority to Union Bank of India :
The Customer irrevocably and unconditionally authorises Union Bank of India to access all his Accounts for effecting banking or other transactions of the Customer through the Facility. The Customer further authorizes Union Bank of India to share the Account information with Third Party for the purpose of accepting/ executing request of the Customers.
All records of Union Bank of India generated by the transactions arising out of use of the Facility, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions. The authority to record the transaction details is hereby expressly granted by the Customer to Union Bank of India.
All instructions for availing the services under the Facility shall be provided through the Mobile Phone Number in the manner indicated by Union Bank of India. The Customer is also responsible for the accuracy and authenticity of the instructions provided to Union Bank of India and the same shall be considered to be sufficient for availing of the services under the Facility.
Where Union Bank of India considers the instructions to be inconsistent or contradictory it may seek clarification from the Customer before acting on any instruction of the Customer or act upon any such instruction as it may deem fit. The Customer and Union Bank of India shall have the right to suspend the services under the Facility if Union Bank of India has reason to believe that the Customer's instructions may lead to direct or indirect loss or may require an indemnity from the Customer before continuing to operate the Facility.
The Customer accepts that all information /instructions will be transmitted to and /or stored at various locations and be accessed by personnel of Union Bank of India (and its Affiliates). Union Bank of India is authorised to provide any information or details relating to the Customer or to third party to facilitate the providing of the Facility and so far as is necessary to give effect to any instructions.
Accuracy of Information :
The Customer undertakes to provide accurate information wherever required and shall be responsible for the correctness of information provided by him to Union Bank of India at all times including for the purposes of availing of the Facility. Union Bank of India shall not be liable for consequences arising out of erroneous information supplied by the Customer. If the Customer suspects that there is an error in the information supplied by Bank to him, he shall advise Union Bank of India as soon as possible. Union Bank of India will endeavor to correct the error wherever possible on a best effort basis.
While Union Bank of India and its Affiliates will take all reasonable steps to ensure the accuracy of the information supplied to the Customer, Union Bank of India and its Affiliates shall not be liable for any inadvertent error, which results in the providing of inaccurate information. The Customer shall hold Union Bank of India harmless against any loss, damages etc. that may incurred / suffered by the Customer if the information supplied to the Customer turns out be inaccurate / incorrect.
Disclaimer of Liability :
Union Bank of India shall not be responsible for any failure on the part of the Customer to utilise the Facility due to the Customer not being within the geographical range within which the Facility is offered;
If the Customer has reason to believe that his mobile phone number is / has been allotted to another person and / or there has been an unauthorised transaction in his account and / or his mobile phone is lost, he shall immediately inform Union Bank of India under acknowledgment about the same.
The Customer agrees that Union Bank of India shall not be liable if
a) the Customer has breached any of the terms and conditions herein or
b) the Customer has contributed to or the loss is a result of failure on part of the Customer to advise Union Bank of India within a reasonable time about unauthorised access of or erroneous transactions in the Account; or
c) as a result of failure on part of the Customer to advise Union Bank of India of a change in or termination of the Customer's Mobile Phone numbers.
The Customer agrees that the access to the Facility shall be only through the Mobile Phone Number and any transaction which originates from the same, whether initiated by the Customer or not, shall be deemed to have originated from the Customer.
Under no circumstance, Union Bank of India shall be held liable if the Facility is not available for reasons including but not limited to natural calamities, legal restraints, system error, faults in the telecommunication network or network failure, or any other reason beyond the control of Union Bank of India. Union Bank of India shall not be liable under any circumstances for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Customer or by any other person. Illegal or improper use of the Facility shall render the Customer liable for payment of financial charges as decided by Union Bank of India or will result in suspension of the Facility to the Customer.
Union Bank of India is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by Union Bank of India in that behalf or otherwise) to the Customer, which may effect the Facility.
Union Bank of India, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the Facility. Union Bank of India makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Customer or by any person resulting from or in connection with the Facility .
Without limitation to the other provisions of this terms and conditions, Union Bank of India, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of Union Bank of India in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any cellular service provider and Union Bank of India's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, Union Bank of India's system or the network of any cellular service provider and/or any third party who provides such services as is necessary to provide the Facility.
Notwithstanding anything in the contrary provided in this terms and conditions, Union Bank of India shall not be involved in or in any way liable to the Customer for any dispute between the Customer and a cellular services provider or any third party service provider (whether appointed by Union Bank of India in that behalf or otherwise).
The Customer agrees that Union Bank of India and / or its Affiliates may hold and process his personal information concerning his Accounts on computer or otherwise in connection with the Facility as well as for analysis, credit scoring and marketing. The Customer also agrees Union Bank of India may disclose, in strict confidence, to other institutions, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive, for credit rating by recognized credit scoring agencies, and for fraud prevention.
The Customer shall not interfere with or misuse in any manner whatsoever the Facility and in the event of any damage due to improper or fraudulent use by the Customer, the Customer shall be liable for damages to Union Bank of India.
The Customer is solely responsible for protecting his Mobile Banking Password Identification Number (PIN)/ Internet Banking /unionbankofindia.com password or mobile phone number and any password given by Union Bank of India for the use of the Facility.
Union Bank of India will not be liable for:
(a) any unauthorised use of the Customer's PIN, unionbankofindia.com password or mobile phone or for any fraudulent, duplicate or erroneous instructions given by use of the Customer's PIN, unionbankofindia.com password or mobile phone number;
(b) acting in good faith on any instructions received by Union Bank of India;
(c) error, default, delay or inability of Union Bank of India to act on all or any of the instructions
(d) loss of any information/instructions in transmission;
(e) unauthorized access by any other person to any information /instructions given by the Customer or breach of confidentiality;
Union Bank of India will not be concerned with any dispute between the Customer and any cellular service provider and/ or any third party providing such services, through which the Facility is being provided by Union Bank of India. Union Bank of India makes no representation or gives no warranty with respect to the quality of the service provided by any cellular service provider.
Union Bank of India may provide any other services as a part of the Facility and Union Bank of India shall not be liable for the oversight on part of the Customer to update himself with the addition of services which have been included in the Facility and specific services for each product as may be provided on the website of Union Bank of India and as will be available with the authorized call centers of Union Bank of India.
In consideration of Union Bank of India providing the Facility, the Customer agree to indemnify and keep safe, harmless and indemnified Union Bank of India from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever Union Bank of India may incur, sustain, suffer or be put to at any time as a consequence ofacting on or omitting or refusing to act on any instructions given by use of the Facility.
The Customer holds Union Bank of India/ its Affiliates, harmless against any loss incurred by the Customer due to failure to provide the services offered under the Facility or any delay in providing the services due to any failure or discrepancy in the network of the cellular service provider.
The Customer agrees to indemnify and hold Union Bank of India harmless for any losses occurring as a result of the:
i. the Customer permitting any third parties to use the Facility.
ii. the Customer permitting any other person to have access to his mobile phone or as a consequence of leaving the mobile phone unattended or loss of mobile phone.
Union Bank of India shall have the discretion to charge such fees as it may deem fit from time to time and may at its sole discretion, revise the fees for use of any or all of the Facility, by notice to the Customer. The Customer may at any time discontinue or unsubscribe to the said Facility. The Customer shall be liable for payment of such airtime or other charges which may be levied by any cellular service provider in connection with availing of the Facility and Union Bank of India is in no way concerned with the same. The charges payable by the Customer is exclusive of the amount payable to any cellular service provider and would be debited from the account of the Customer on a monthly basis. The Customer shall be required to refer to the schedule of fees put up on the Website from time to time.
Union Bank of India has the absolute discretion to amend or supplement any of the terms and conditions at any time and will endeavour to give prior notice of fifteen days by email or by displaying on the Website depending upon the discretion of Union Bank of India, whichever feasible, and such amended terms and conditions will thereupon apply to and be binding on the Customer.
The Customer may request for termination of the Facility any time by giving a written notice of at least 15 days to Union Bank of India. The Customer will remain responsible for any transactions made through his Mobile Phone Number through the Facility prior to the time of such cancellation of Facility
Union Bank of India may, at its discretion, withdraw temporarily or terminate the Facility, either wholly or in part, at any time without giving prior notice to the Customer. Union Bank of India may, without prior notice, suspend 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 require the suspension of the Facility. Union Bank of India shall endeavour to give a reasonable notice for withdrawal or termination of the Facility.
The closure of all Accounts of the Customer will automatically terminate the Facility. Union Bank of India may suspend or terminate Facility without prior notice if the Customer has breached these terms and conditions or Union Bank of India learns of the death, bankruptcy or lack of legal capacity of the Customer.
Union Bank of India and the Customer may give notice under these terms and conditions electronically to the mailbox of the Customer (which will be regarded as being in writing) or in writing by delivering them by hand or by sending them by post to the last address given by the Customer and in case to Union Bank of India at its office at Union Bank Bhavan, 236, Vidhan Bhavan Marg, Nariman Point, Mumbai 400 021. In addition, Union Bank of India shall also provide notice of general nature regarding the facility and terms and conditions, which are applicable to all customers of the Facility, on its Website and/ or also by means the customised messages sent to the Customer over his mobile phone as short messaging service ("SMS"). Such notice will be deemed to have been served individually to each Customer.
Governing Law :
Any dispute or differences arising out of or in connection with the Facility shall be subject to the exclusive jurisdiction of the Courts of Mumbai.
Union Bank of India accepts no liability whatsoever, direct or indirect for non-compliance with the Laws of any country other than that of India. The mere fact that the Facility can be accessed by a Customer in a country other than India does not imply that the laws of the said country govern these terms and conditions and / or the operations in the accounts of the Customer and / or the use of the Facility.
Mobile Banking Facility :
All the terms and conditions as applicable to Union Bank of India Mobile Banking Facility shall be applicable, unless excluded specifically or by necessary implication.
In these Terms and Conditions, the following terms shall have the following meanings:
"Alert(s)" means the customised messages sent to the Customer over his mobile phone as short messaging service ("SMS") in response to the Triggers sent by the Customer.
"Alert/Push Facility" shall mean the service provide by Union Bank of India wherein a Customer can obtain specific information pertaining to his Account on his Mobile Phone number.
"Request/Pull Facility" shall mean facility through which Customers will be able to make requests about their Accounts by sending "key words" through SMS to Mobile Phone Number provided by Union Bank of India for the purpose.
"Triggers" means the customised triggers that are required to be set by the Customer with Union Bank of India which shall enable Union Bank of India to send the Alerts relating to his Account.
All primary savings account holders and debit card holders can avail of this service.
The last updated mobile number in the records of Union Bank of India would be used to send the Alerts. Currently, Mobile Banking Facility is not offered for two Mobile numbers for the same account.
Mobile Banking facility will be available to the Customer only if the Customer is within the cellular service range of the particular cellular service provider or within such area which forms part of the roaming network of such cellular service provider providing services to the Customer availing such roaming facility from respective cellular service provider.
To receive Alerts, the Customer may select and set all or any of the Triggers through Union Bank Mobilebanking services or by logging into the internet banking account or by submitting an application in the prescribed format as applicable or by any other mode as notified by Union Bank of India from time to time. The Customer shall be required to acquaint himself with the detailed process for using Mobile Alerts and Union Bank of India shall not be responsible for any error made by the Customer while setting the Triggers.
In setting of the Triggers by the Customer, the terms and conditions as applicable to Union Bank of India Phone Banking, Union Bank of India Internet Banking and Union Bank of India Mobile Phone Banking shall also apply.
The Customer acknowledges that Alert Facility will be implemented in a phased manner and Union Bank of India may at a later stage, at its discretion, send Alerts over email, expand the available Triggers or Alerts to meet Customer requirements, or may discontinue all or any of the facility/features. Union Bank of India may, from time to time, change the features of any Trigger or Alert. The Customer shall be required to keep himself informed of the available Triggers or Alerts, which will be made available on the Website. The Customer may, from time to time, modify the Triggers selected by him, without the necessity of a fresh registration.
Any Customer availing the Facility will be provided with Alert Facility and/or Request Facility as may be decided by Union Bank of India from time to time
Keywords for various information requests shall be as may be provided for, from time to time, including on the application forms, or available at Union Bank telebanking centers and/or on the Website.
Setting Triggers and Receiving Alerts :
Union Bank of India will not acknowledge receipt of any instructions or Triggers nor shall Union Bank of India be responsible to verify any Instructions or Triggers or the Customer's TPIN or password or Mobile Phone Number. Union Bank of India will endeavour to give effect to Instructions and Triggers on a best effort basis and as soon as practically possible for Union Bank of India.
Union Bank of India may, in its discretion, not give effect to any Triggers if Union Bank of India has reason to believe (which decision of Union Bank of India shall be binding on the Customer) that the Triggers are not genuine or otherwise improper or unclear or raise a doubt or in case any Triggers cannot be put into effect for any reasons whatsoever.
The Customer is responsible for intimating to Union Bank of India any change in his Mobile Phone Number or email address or Account details and Union Bank of India will not be liable for sending Alerts or other information over the Customer's mobile phone number/email address /fax number recorded with Union Bank of India.
The Customer acknowledges that to receive Alerts, his mobile phone number must be active and accessible. The Customer acknowledges that if the Customer's mobile phone number remains inaccessible for a continuous period (such period dependent upon service providers) from the time an Alert message is sent by Union Bank of India, that particular message may not be received by the Customer.
Triggers will be processed by Union Bank of India after receipt and Union Bank of India shall have the discretion to determine the time taken to process such request. The Customer acknowledges that there shall be an intervening period between receipt of Triggers by Union Bank of India, process of the Triggers and the time that the Alerts are sent.
The Customer acknowledges that the Facilities provided is dependent on the infrastructure, connectivity and services provided by service providers engaged by Union Bank of India. The Customer accepts that timelines, accuracy and readability of Alerts sent by Union Bank of India will depend on factors affecting other service providers engaged by Union Bank of India. Union Bank of India shall not be liable for non-delivery or delayed delivery of Alerts, error, loss or distortion in transmission of Alerts to the Customer.
Union Bank of India shall endeavour to provide the Facility on a best effort basis and the Customer shall not hold Union Bank of India liable for non-availability of the Facility or non-performance by service providers, if any, engaged by Union Bank of India or any loss or damage caused to the Customer as a result of use of the Facility (including relying on the Alerts for the Customer's commercial, investment or business purposes) for causes which are not attributable to Union Bank of India. Union Bank of India shall not be liable in any manner to the Customer in connection with the use of the Facility.
The Customer accepts that each Alert may contain certain Account information relating to the Customer. The Customer authorises Union Bank of India to send Account related information, though not specifically requested, if Union Bank of India deems that the same is relevant. Union Bank of India shall not be held responsible for the confidentiality, secrecy and security of the Personal or Account information being sent through the Facility.
Money Transfer Facility :
The Payer accepts that he will be responsible for keying in the correct details which are required to make fund transfers through the abovementioned Facility; such details being specified by Union Bank of India from time to time. In no case, Union Bank of India will be held liable for any erroneous transactions arising out of or relating to the Payer keying in erroneous details required to make fund transfers through the abovementioned Facility,
Union Bank of India shall specify from time to time the upper limit that may be transferred by the Payer for the abovementioned Facility through unionbankofindia.com.
If the abovementioned Facility is made available to the payer, it may be used for transfer of funds from Account to other accounts belonging to third parties maintained at Union Bank of India and/or at any other Bank which falls under the network of Reserve Bank of India's Electronic Fund Transfer or National Electronic Fund Transfer system or Real Time Gross Settlement.
The liability of Union Bank of India shall only commence subsequent to the debit in the Payer’s account.
Union Bank of India reserves the right to charge for the Alert Facility and revise such charges and such updates in charges shall be intimated to the Customer through Alerts/ display on the Website depending upon the discretion of Union Bank of India.
"Union Bank of India may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products/services."
Customers of bank having SB/CD/OD accounts and having valid Debit Card/Internet Banking credentials or Branch Token can avail UMobile services. The account must be KYC compliant. Companies, Trust, HUF and Partnership Firms are not eligible to avail UMobile services.
You can register for UMobile after downloading of UMobile app from Google or Apple Playstore. After downloading of the UMobile app, customer can register using any of the methods such as Debit Card, Internet Banking credentials or Branch Token.
You need to have a Smartphone, Active mobile data, Debit Card/Internet Banking or Branch Token.
After successful registration, MPIN will be sent to the registered number by SMS which needs to changed through the app to continue using the mobile banking services.
Post successful registration, customer will get the accounts linked to the same customer ID, wherever set as primary.
UMobile is secure application which conforms to RBI recommended standards of security.
All you need to do is Go to Accounts section and click on the account. Alternatively you can select any of your operative account as Primary Account and do balance enquiry on the pre-login page itself.
For transferring money, you can navigate to “Fund Transfer” page. Fund Transfer can be made either by adding the third party as Beneficiary or using Quick Fund Transfer without adding as beneficiary.
For adding a third party as beneficiary, you can visit Fund Transfer and then click on Manage Payee option to add a beneficiary.
Fund transfer without adding third party as beneficiary can be done using Quick fund Transfer with a cap of maximum Rs5000 per transaction.
You can transfer maximum Rs2, 00,000/- using UMobile in a day. The various limits can also be viewed by navigating to “Fund Transfer” in UMobile.
At present, there are no charges to customers for using UMobile services.
You can de-register by navigating to “Deregister” under hamburger menu in UMobile or through Call Centre.
The account number is masked by default to prevent shoulder surfing. You can click on unmask icon and view full 15 digit account number.
You can set your Login PIN once again by visiting “Forgot Login PIN” icon on login
Bills can be paid for Utilities such as Electricity, Water Tax, Mobile Recharge, DTH payment etc. Further, new utility categories as and when added by NPCI under BBPS platform will appear under Bill Payment.
You can pay your housing loan EMI by navigating to Loans/Pay Loan EMI.
You can disable/enable ecom/PoS transactions by navigating to Debit Card in UMobile.
Yes, you can now open fixed deposit through UMobile app.
UPI services can be availed on UMobile by creating UPI ID and setting UPI PIN.
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