Stay in control of your finances with UCO Bank’s secure, user-friendly Net Banking platform. Here’s a complete, easy-to-follow guide for 2025.
1. What is UCO Net Banking?
UCO Bank’s Net Banking — also called UCO E-Banking — provides 24×7 access to manage your accounts online, safely and conveniently
2. Key Features & Benefits
With UCO Net Banking, you can:
- View account details: summary, mini and detailed statements, load statements
- Transfer funds via NEFT, RTGS, IMPS, within and across banks
- Open/manage deposits: FDs, RDs, premature closure
- Pay bills & utilities: via BBPS, merchant portals, loan EMIs
- Investments & schemes: subscribe to sovereign bonds/APY/PPF/ASBA
- Card/cheque services: green PIN setup, hotlisting, request cheque-book, stop cheque
- Other services: PAN seeding, positive pay, lock accounts, locker applications, tax forms
It also supports both Retail, Corporate, and Kids banking plans
3. Registration & Activation
Online Registration
- Visit UCO E-Banking site → select Retail Online Registration
- Enter account number, recent transaction amount, type, and captcha
- Authenticate using OTP sent to your registered mobile
- Provide debit card details and submit
- You’ll receive a temporary User ID and password—use these to create your final login credentials
Offline/Branch Registration
Fill in the net banking form at any UCO branch and submit KYC—credentials will be sent upon processing .
4. Login & First-Time Setup
- Go to the UCO E-Banking portal, choose Retail Login
- Enter User ID, password, captcha and submit
- On your first login, set a new password and complete OTP verification
- Then, securely access your dashboard anytime.
5. Forgot Username or Password
Use the Forgot Password/Username option on the login page. Enter account and recent transaction info, verify via OTP, and reset login credentials
6. How to Use Net Banking
- Account Summary: Check current balance and transactions
- Mini/Detailed Statements: View/download history
- Fund Transfers: Manage beneficiaries; perform NEFT/RTGS/IMPS/outward transfers
- FD/RD Management: Open, manage, or close deposits online
- Bill Pay & UPI: Pay using BBPS; integrate with UCO mBanking app
- Card Services: Hotlist cards, generate green pin
- Cheque & Locker Services: Request chequebooks, stop cheques, apply for locker
- Taxes & KYC: PAN updates, Form 15G/H submission
- Investment Services: Buy bonds, schemes, apply for IPO/ASBA
7. Mobile Banking Integration
Download UCO mBanking Plus: a unified app featuring net banking, mPassbook, UPI, secure controls like UCO Secure, card freeze, locker services and more.
8. Security & Best Practices
- Secure login via SSL encryption and virtual keypad
- Use MPIN, OTP, and device binding for strong security
- Regularly change passwords, and logout after use
- Set transaction limits and block services using UCO Secure features
Summary Table
| Step | What to Do |
|---|---|
| Register | Online or via branch with OTP + debit-card verification |
| Login | User ID, Password, CAPTCHA + OTP verification |
| Reset Password | Use “Forgot Password” → verify via OTP → reset |
| Transactions | Manage accounts, fund transfers, deposits, bill pay |
| Mobile Link | Use mBanking Plus app + UCO Secure features |
| Security | SSL, OTP, MPIN, logout, set limits |
FAQs
Q: Who can register?
A: Individuals (18+), corporate entities, and even minors (10–18) under Kids Banking
Q: Are there charges?
A: No charges for net banking access. Standard charges apply to NEFT/RTGS/IMPS per RBI guidelines
Q: What’s the fund transfer limit?
A: For retail: ₹15 lakh/day for NEFT/RTGS; ₹10 lakh for bill payments
Q: How quickly is registration activated?
A: Online registration is immediate after OTP verification; offline activation can take 2–3 days
