Want to check your UCO Bank account balance on the go? UCO provides multiple easy methods—from toll-free calls and SMS to apps and net banking. Here’s your complete guide for 2025.
1. Toll‑Free/Missed‑Call Balance Enquiry
- Number: 1800‑274‑0123
- How it works: Give a missed call from your registered mobile—UCO Bank will call you back with an automated voice message and send the balance details via SMS shortly after
- No separate missed-call number required.
2. SMS Banking
- Send to: 56161
- Format (single account): php-templateCopyEdit
UCOBAL<mPIN> - With account number (if multiple accounts): php-templateCopyEdit
UCOBAL<mPIN> <14-digit account number>
You’ll receive your balance via SMS within seconds.
3. WhatsApp Banking
- Number: 8334001234
- How to use:
Send “Hi” on WhatsApp → follow the menu → select “Balance Enquiry”. Chat-style convenience!
4. Mobile Banking & m-Passbook Apps
Use one of UCO’s official apps:
- UCO M‑Banking / UCOSecure / UCO Pay+ / BHIM UCO UPI / UCO m‑Passbook
After logging in, go to My Accounts or Account Details to view your balance. m-Passbook even works offline once synced.
5. Net Banking
Visit UCO Bank Net Banking portal → login → navigate to Account Summary or Balance Enquiry to view real-time balance
6. ATM Balance Enquiry
Insert your UCO debit card → enter PIN → select Balance Enquiry or Mini Statement. Works at any ATM (UCO or others).
7. Passbook / m‑Passbook
- Physical passbook: Visit your nearest branch to get it updated and view current balance.
- Digital passbook: Use the UCO m-Passbook app to check your balance and last entries anytime—even offline.
Comparison Overview
| Method | How to Check | Internet Needed | Charges |
|---|---|---|---|
| Toll-free/Missed Call | Dial 1800‑274‑0123 | ❌ No | Free |
| SMS Banking | UCOBAL<…> → 56161 | ❌ No | Standard SMS |
| Message “Hi” → 8334001234 | ✅ Yes | WhatsApp data | |
| Mobile Apps | UCO M‑Banking, etc. | ✅ Yes | Free (data) |
| Net Banking | UCO portal | ✅ Yes | Free (data) |
| ATM | Use ATM card | ❌ No | Usually free |
| Passbook | Branch or m‑Passbook | ❌ (physical)/✅ (offline digital) | Free |
Pro Tips & Troubleshooting
- Ensure your mobile number is registered with UCO Bank.
- Toll-free and missed-call services require no registration.
- SMS banking costs standard carrier charges—bank doesn’t charge extra.
- OTP and login credentials may be required for app or net banking.
- m-Passbook works offline once synced—handy during travel.
FAQs
Q: Can I check balance without internet?
A. Yes! Use toll-free call, SMS, ATM, or offline m‑Passbook.
Q: Do I need to register for SMS banking?
A. Yes—registration links your mobile to your account via branch/net/mobile banking.
Q: Any limits on usage?
A. No daily limits on balance checks—use anytime, freely.
Q: Want mini statement?
A. Use ATM, mobile apps, WhatsApp, or m‑Passbook for recent transactions.
Q: What if I change my number?
A. Update it via branch, net banking, or app to keep services active.
