Union Bank of India’s UnionNet (Retail/Corporate Internet Banking) platform offers secure, 24×7 access to banking—from funds transfer and bills to statements, investments, and loan management.
What is Union Bank Net Banking?
UnionNet is the bank’s official online banking platform available to retail, corporate, and NRI customers. It enables:
- View account details, balances, and mini/full statements
- Perform NEFT, RTGS, IMPS, and internal transfers
- Pay utility bills, recharge, pay taxes, and manage credit cards
- Apply for loans, open FD/RDs, redeem investments, and use Demat services
Registration & Activation
Retail Registration Methods:
| Channel | How It Works |
|---|---|
| Online (Self-User) | Visit the official site → select *Retail Login → New User → Self User Creation → enter account number, DOB/PAN, mobile, debit card details (if required), verify via OTP, create login and transaction passwords, and set 3 challenge questions. Activation takes about 24–48 hours. |
| ATM Registration | Insert debit card at UBI ATM → select Internet Banking Registration → receive User ID & passwords via SMS. |
| Branch Registration | Fill the form at your local branch → receive credentials via SMS/email/courier → set new login credentials online. |
Login & Security
- Login via Retail or Corporate portal with User ID, password, and CAPTCHA.
- After login, undergo OTP or challenge-question validation as part of 2FA/3FA.
- Security features include virtual keyboard, session timeout, and account lock after 4 failed attempts.
Key Services
Account & Statements
- View account balance, mini or detailed statements, and download e-statements.
Funds Transfer
- Internal transfers and inter-bank transfers via NEFT, IMPS, RTGS.
- Ability to register beneficiaries, schedule payments, and perform bulk transfers for corporate users.
Other Online Services
- Request chequebooks, stop payments, block debit card
- Apply for FD/RD, Demat account, mutual funds, and loan products
- Pay utility bills, recharge DTH/mobile, pay taxes, and make donations
Transaction Limits
| Service | Retail Limits | Corporate Limits |
|---|---|---|
| IMPS | ₹5 lakh/day or 20 transactions | ₹25 lakh/day or 200 transactions |
| NEFT | ₹5 lakh/day | ₹25 lakh/day |
| RTGS | ₹2 lakh min; up to ₹25 lakh/day (may vary) | Flexible limits; no strict cap |
| Intra-bank (UBI) | ₹3 lakh/day | ₹5 lakh/day |
| Bill Payments | ₹1 lakh/day or up to 5 transactions | Similar |
Summary at a Glance
| Step | Description |
|---|---|
| Register | Online, ATM, or Branch method |
| Login | User ID + password + OTP/3FA |
| Services | Funds transfer, statements, bill pay, investment |
| Security | OTP-based auth, virtual keypad, auto-lock |
| Transaction Limits | IMPS ₹5L retail, RTGS ₹25L retail, etc. |
Security Tips
- Use official UBI Net Banking URL only.
- Enable-Disable password via OTP feature from login page for added safety.
- Always logout and clear cache after sessions, especially on public or shared devices.
