General Information

1. What is VYOM?

VYOM is a mobile banking application that allows you to access your bank account(s) using a mobile phone. You can view account related information, transfer funds, pay bills and recharge your mobile and a lot more using this application

2. Who are eligible for using VYOM?

Customers of bank having SB/CD/OD accounts and having valid Debit Card/Internet Banking credentials or Branch Token can use VYOM app. The account must be KYC compliant. Companies, Trust, HUF and Partnership Firms are not eligible to avail VYOM services.

3. What are the features available on VYOM?

Customers can check their account balances, get mini statements, transfer money to Union bank accounts and other bank accounts using NEFT,IMPS 24X7 ,UPI etc, stop cheques, know cheque statuses, know branch/ ATM locations etc

4. Will I be charged for using the app?

At present, there are no charges to customers for using VYOM App. Your mobile operator may levy charges for GPRS/SMS used. Please check with your operator for detail

5. Can I use VYOM app on two devices simultaneously?

No, to ensure the security of your account you can only use the application on one handset.

6. What are the key benefits of this service?

It helps customers to conduct banking transactions 24x7 at his/her convenience from any place just using a smartphone.

7. Is the app available in other languages?

Currently the app is available in 13 languages

8. Is the app available in other themes?

Currently the app is available in 2 themes "Sand" and "Snow"

9. What are the basic requirements to avail the VYOM app?

You need to have a Smartphone, Active Mobile data, Debit Card or Branch Token.

10. What type of handset do I need to use the VYOM app?

VYOM App is supported on all handsets with the following Operating Systems: iPhone/iOS version 13.0 and above, Android version 6.0 and above

11. How do I download the VYOM mobile app

VYOM app can be downloaded from - Google Play Store for Android devices, App store for Apple devices

12. How can I register for VYOM app?

At present, customers can register the VYOM app using Debit Card and Branch Token.

13. How do I get a TPIN

In the registration process customer is prompted to enter/set login PIN. During the journey TPIN is sent to registered number by sms which needs to be changed through the app to continue using the mobile banking services.

14. How many accounts can I link to my mobile?

Post successful registration, customer will get the accounts linked to the same customer ID, wherever set as primary

15. What shall I do if I want to de-register for VYOM?

You can de-register by navigating to “Deregister” under hamburger menu in VYOM app or through Call Centre.

16. How can I change language of my app?

You can change the app language by navigating to "Settings" section in the hamburger menu and selecting "change language" option

17. How can I change the theme of VYOM app?

You can change the app theme by navigating to the hamburger menu and selecting "change theme" option

18. I have forgotten my Login PIN. What do I do?

You can set your Login PIN once again by visiting "Forgot/reset Login PIN" icon on login page.

19. How can I do a balance enquiry using VYOM app?

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

20. How can I transfer money to a third party using VYOM app?

For transferring money, you can navigate to “Fund Transfer” page. Fund Transfer can be made either by adding the third party as Beneficiary or Fund transfer without adding third party as beneficiary and using Quick fund Transfer with a cap of maximum per day transaction

21. How do I add a third party 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.

22. I do not want to add third party as beneficiary. Can I still make fund transfer?

Fund transfer without adding third party as beneficiary can be done using Quick fund Transfer with a cap of maximum Rs 50000 per day at present.

23. What are the various types of Bill payment that can be made using VYOM app?

Bills can be paid for Utilities such as Electricity, Water Tax, Mobile Recharge, DTH payment etc. Further, new utility categories added under BBPS platform also appear under Bill Payment

24. I want to make my Housing Loan EMI. Can I pay using VYOM app?

You can pay your housing loan EMI by navigating to Loans/Pay Loan EMI

25. I want to disable my debit card for ecom transactions. Any service available in VYOM app?

You can disable/enable ecom/PoS transactions by navigating to Debit Card section and selecting payment channel settings in VYOM

26. I want to disable my debit card for ecom transactions. Any service available in VYOM app?

You can disable/enable ecom/PoS transactions by navigating to Debit Card section and selecting payment channel settings in VYOM

27. How can I block my debit card using VYOM app?

You can block debit card by navigating to Debit Card section and selecting Block/Unblock debit card settings in VYOM

28. I am senior citizen and want to invest some money in fixed deposit. Can I do so without visiting branch?

Yes, you can now open fixed deposit through VYOM app

29. Do you have any app for UPI services?

UPI services can be availed on VYOM by creating UPI ID and setting UPI PIN.

30. Can I update existing Nominee in existing account?

The existing nominee can be updated through Mobile Banking. You will receive an SMS and an e-mail upon updating of the nominee details.

31. I am proprietor, can I view my saving and current account in Vyom ?

Yes, sole proprietor can view both saving and Current Account in VYOM. However ,both these account should be linked to the same mobile number.