Union Bank UPI Setup and Daily Limit: Complete Guide
Union Bank UPI Setup and Daily Limit: Everything You Need to Know
You can set up UPI on your Union Bank of India account within minutes using the Union Bank Mobile Banking app or any third-party UPI app like Google Pay, PhonePe, or BHIM. Once set up, you can instantly transfer money, pay bills, and receive payments using your UPI ID.
How to Set Up Union Bank UPI
- Download the Union Bank Mobile Banking app or open a UPI-enabled app like Google Pay.
- Register or log in and select Add Bank Account.
- Choose Union Bank of India from the list of banks.
- Your mobile number registered with Union Bank will be verified automatically.
- Set a 6-digit UPI PIN using your debit card details (last 6 digits of card number and expiry date).
- Your UPI ID (usually in the format mobilenumber@unionbank) is now active.
Union Bank UPI Daily Transaction Limits
| Transaction Type | Limit Per Transaction | Daily Limit |
|---|---|---|
| Peer-to-peer transfer | Rs. 1 lakh | Rs. 1 lakh |
| UPI Lite (small payments) | Rs. 500 | Rs. 4,000 |
| Merchant payments | Rs. 1 lakh | Rs. 1 lakh |
As per NPCI guidelines in 2026, the default UPI transaction limit is Rs. 1 lakh per transaction. For specific categories like healthcare and education, the limit may be up to Rs. 5 lakh. Check your bank’s current policy in the Union Bank Mobile Banking app.
How to Reset Your Union Bank UPI PIN
- Open the UPI app where your Union Bank account is linked.
- Go to your profile or account settings.
- Select Forgot UPI PIN or Change UPI PIN.
- Authenticate using your debit card details and OTP sent to your registered number.
- Set a new 6-digit PIN and confirm.
Key Takeaways
- Set up Union Bank UPI through the Union Bank Mobile Banking app or any third-party UPI app.
- Default UPI limit is Rs. 1 lakh per transaction and per day.
- UPI PIN is set using your Union Bank debit card details.
- UPI works 24/7 and transfers are instant.
Frequently Asked Questions
What is the UPI ID format for Union Bank of India?
Your Union Bank UPI ID is typically in the format mobilenumber@unionbank or a custom handle you set during registration.
Can I use Google Pay or PhonePe with my Union Bank account?
Yes. Any NPCI-approved UPI app works with Union Bank as long as your registered mobile number matches the one in Google Pay or PhonePe.
What is the maximum UPI transfer limit for Union Bank?
The standard limit is Rs. 1 lakh per transaction per day. This may be higher for select categories as per NPCI circular updates in 2026.
How do I change my Union Bank UPI PIN?
You can change it through any UPI app linked to your Union Bank account using the forgot PIN or change PIN option, verified via debit card and OTP.
