UCO Bank




UCO Bank launches official UCOPAY+ wallet app for all the Bill Payment/Recharge needs of the customer and instant account opening. It is a semi-closed prepaid wallet which can be used to transfer money to other wallet users and bank accounts, anytime, anywhere.

It is electronic virtual wallet where you can load money and spend it for your Mobile recharge/ DTH recharge/various utility Bill Payments including Gas, Electricity, Insurance, Mutual Funds, etc., sending money to your near & dear ones.

It contains various features like adding money from your net banking/debit card/credit card, getting money from your pals, paying money to your pal’s wallet/UCO Bank account, paying your bills, doing Mobile/DTH Recharge. It provides facility of QR Code scanning of merchants and doing quick payment.

You can check all transaction statement and send it to your Email-IDs.

How is it going to work?

  • You need to register by entering your mobile number and creating your profile
  • Loading money into your wallet
  • Using the money to recharge your mobile/DTH and pay bills
  • Transfer money to your UCO bank account
  • Scanning the QR code and paying without any pains of writing account numbers
  • Full Customer support
  • Any complaints need to be forwarded to UCO Customer Care uco.custcare@ucobank.co.in


Any Indian National of age more than 18 years is allowed to register for UCOPAY+ wallet.

Registration Steps

  • Download & install the UCOPAY+ Application from Play Store/ Market place for Android/ iOS phones.
  • Open the Application and enter your mobile number which need not be the one which is registered with UCO Bank and press Submit.
  • Fill in your First Name, Last Name, Gender, Date of Birth, Email-Id and Document Type, Document for verification and Proceed.
  • One OTP will be sent to the mobile number you entered.
  • Enter the OTP and set your 4-digit MPIN & Tpin.
  • Select a secret question and put in the answer and Proceed.
  • Enter your MPIN.
  • Tap on OK on the pop-up.

Features Available

With Add Money option, you can load your wallet with money through Net Banking/Credit Card/Debit Card.

With Get Money option, you can ask for money from your friends (Selecting from Phone book or favourites)

With Pay Money option, you can transfer money to Wallet of someone, UCO Bank account.

With Bill Pay option, you can add billers and pay your bills. Also you can view the bills already paid.

With this option, you can do mobile/DTH Recharge

In this menu option, the get money requests from other persons to you will be shown

With this option, you can create your favourite pals. It is just like adding beneficiary. After addition of beneficiary, there is cooling period of 8 hours. Once KYC is done, the customer can transfer fund to favourite pals.

With this, customers can pay to the merchants by directly scanning their QR codes.

Viewing statements, various offers, changing MPIN, editing user profile, FAQs are also available.

  1. Add Money
  2. Get Money
  3. Pay Money
  4. Bill Pay
  5. Mobile/DTH Recharge
  6. Requests Received
  7. Create your Favourite Pals
  8. Scan & Pay
  9. Other features

Recently, Bank has launched new feature of instant online account opening and other features in UCOPAY+ app. “UCOPAY+" App is one stop solution for all requirements of UCO/non-UCO customers. UCOPay+ mobile App has features like Online Account Opening, Fund Transfer, Bill Payments, Banking Products enquiries, Mini Statement, e-Wallet, 'Business Lead Reference etc.

The customer has to enter full name, mobile number, email id and accept the disclaimer and confirm for OTP based Aadhar (e-KYC) verification to open the account. Based on OTP verification through UIDAI, relevant details will be displayed for customer. The customer has to do FATCA declaration and declare occupation and Income as well. After providing parents name, marital status and other details, account number will be displayed along with customer name, customer ID. After successful account creation, the customer is provided with below facilities:

  • View Mini Statement of Instant Account
  • Create VPA for instant account with few suggestions
  • View Instant account details
  • Wallet to linked instant account transfer
  • Instant account to linked wallet transfer
  • IMPS P2A transfer from Instant Account (Launching Soon)
  • Debit Card request(Launching Soon)
  • Instant Account Statement generation and send by mail.

As per RBI guidelines, Non-KYC UCOPAY+ users are restricted from doing fund transfer to any other wallet or Bank account. For allowing Fund transfer, UCOPAY+ users have to complete UCOPAY+ KYC verification after presenting the KYC valid documents like Aadhar, PAN card, Driving License, Voters ID card, etc. to branch.

Once KYC is completed, the customer can do fund transfer up to 20000/- in a month. In order to do fund transfer, the customer has to add beneficiary and wait for cooling period of 8 hours.

For NON KYC UCOPAY+ customer completed 1 year, no further fund loading will be allowed. However, the customer can use existing funds for Recharges/ Bill Payments.

For Non-KYC customer

Total debit should not exceed Rs.10000 in the month

Total deposit in Financial Year 1 lac

Amount outstanding shall not exceed 10k at any time

Goods Only and services payment

No Fund transfer to Account as well in other wallets

After 12 months fund loading will be allowed


For KYC customer

Per beneficiary 1 lakh monthly

Amount at any time should not exceed 1 lac at a time

Cooling period before payment.8 hours

Number of Beneficiary added in a day 3

Fund transfer to Pre – registered Beneficiary

Limit can be set – beneficiary wise maximum RS20,000/-

Inactive such wallets where transaction does not happen in 1 year



Latest at UCO :
UCO Bank has launched UCO Skill Loan Scheme for providing loan facility to individuals who intend to take up skill development courses. | No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account. | KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary. | Prevent Unauthorized Transactions in your demat account -- Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from NSDL on the same day (issued in the interest of investors). | Service charges on Bills, Remittances, Deposit, Lockers including GST @18% w.e.f 01.08.2017 | We do not advertise our Bank's name/logo on any website posing as customer service points,Bank's customer service point, APNA customer service point, Bankmitra etc. Public is hereby cautioned against any such fraudulent advertisement & is advised to stay away from such fraudulent entities. | Release of Provisional List of Selected Candidates in CRP(PO)-VI 2nd List, by IBPS Mumbai for FY 2017-18 | Release of Provisional List of Selected candidates in CRP(PO)-VII, by IBPS Mumbai for the FY 2018-19 | Release of Provisional Select List of candidates selected in CRP-VII by IBPS, Mumbai for FY 2018-19 | Release of Provisional Select List of candidates selected in CRP-VI 2nd List by IBPS, Mumbai for 2017-18 |
  • © 2016 All Rights Reserved
  • You are Visitor Number : 11064198
  • wcag