UCO Bank




Bank has launched UCO Secure mobile application to instantly disable/enable digital banking services anytime, anywhere 24 x 7.

  • “UCO Secure” app will increase customer security in digital banking transaction as customers can temporarily block any of the Bank’s Digital Banking service when they are not required.
  • Fraudsters will thus not be able to misuse the digital banking service (when service is in disabled mode) even if user details have been compromised.
  • As and when, customer requires using the service, required services may be enabled instantly.


1) UCO Secure app can be installed on mobile handsets with Android OS and iOS platform.

2) Bank’s customer can register and set login pin using registered mobile number (via OTP) or using Debit card details.

3) In case, any ADC service is not required, customer can instantly disable any of the given ADC services without making any call or visiting branch.

  • Debit card (ATM, POS, e-commerce, domestic, international)
  • m-banking,
  • e-banking,

4) Similarly, whenever any ADC service is required, service may be enabled instantly sitting at the comfort of home or on the move.

5) Customer also has the option to block all ADC services in one go (except debit card).


3.1 Definitions

The following words and expressions shall have the corresponding meaning wherever appropriate:

  1. ‘Account', shall mean an account with the Bank in which a request for availing the UCO Secure Service has been registered or re-registered with the Bank,
  2. Customer' means the holder of an Account in UCO BANK
  3. ‘MPIN' shall mean the Personal Identification Number (Login password) for the UCO Secure Service.
  4. 'UCO Secure' shall mean UCO Secure Application Service of the Bank and includes the service over the application.
  5. ‘Bank’ shall mean UCO Bank or any successor or assign of it.

3.2 Applicability of Terms and Conditions

  1. Facility' shall mean UCO Secure facility provided to the Customer.
  2. Mobile phone means the handset and SIM card along with the accessories and necessary software for GSM phones and handsets and software for CDMA phones, which is owned by the mobile subscriber.
  3. Mobile phone number shall mean the mobile number that has been used by the customer to register for the facility.
  4. Application' shall mean the Bank's UCO Secure application which will be downloaded onto the mobile phone of the Customer.
  5. UCO Secure Services means the services or facilities granted by the bank to block/unblock the savings/current or any such eligible account of the customer and usage of products and/or services as may be made available on mobile phone by the bank from time to time.
  6. Bank's website means www.ucobank.com

No Customer is entitled to use the UCO SECURE app without understanding and agreeing to the Terms and Conditions for UCO Secure Service. By using the UCO SECURE service, the Customers thereby agree and consent to these Terms and Conditions, which form the contract between the Customer and Bank. UCO SECURE shall be governed by such terms and conditions as amended by the Bank from time to time. These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any Account of the Customer and/or the respective product or the service provided by the Bank unless otherwise specifically stated.

3.3 General Business Rules Governing UCO Secure Service

  1. Entering the wrong MPIN thrice will block the UCO SECURE to the Account.
  2. Any change in the business rules of any of the processes will be notified on Bank's website www.ucobank.com, which will be construed as sufficient notice to the Customer.
  3. The Customers are bound to advise the Bank separately, of any change in the Account so that necessary changes should be carried out in UCO Secure Services.
  4. The final discretion to offer this UCO Secure Services to a customer rests with the Bank and if the bank decides, may withdraw such a facility any time without notice and without giving any reasons, cost & compensation thereof.
  5. The Bank may suspend the Facility, if the same has not been accessed by the Customer for three months or more. If the Facility has not been accessed for six months or more, the same may be cancelled or if any suspicious activity is observed in the account.
  6. The Customer can request for termination of the Facility by sending appropriate message through the UCO Secure application on the handset or Home branch of the primary account enabled for UCO SECURE. The Customer shall remain accountable for all the transactions on the designated account made prior to confirmation of any such cancellation request by the Bank. It shall be the Bank's endeavour to give a reasonable notice for withdrawal or termination of the facility, but the Bank may at its discretion withdraw temporarily or terminate the facility, either wholly or partially, anytime without giving prior notice to the Customer. The facility may be suspended for any maintenance or repair work for any breakdown in the Hardware/ Software of UCO SECURE, any emergency or security reasons without prior notice and the bank shall not be responsible if such an action has to be taken for reasons of security or emergency.
  7. The services offered under the Facility will be automatically terminated if the primary account linked for the UCO Secure Services is closed. The Bank may also terminate or suspend the services under the Facility without prior notice if the Customer has violated the terms and conditions laid down by the Bank or on the death of the Customer when brought to the notice of the Bank.

3.4 Usage of Facility

By accepting the terms and conditions on the mobile phone while registering for the facility, the Customer:

  1. Agrees to use the UCO SECURE for financial and non-financial transactions offered by the Bank from time to time.
  2. Also irrevocably authorizes the Bank to debit the Accounts which have been enabled for UCO SECURE for all transactions/services undertaken by using MPIN.
  3. Authorizes the Bank to map the account number and Mobile Phone Number for the smooth operation of UCO SECURE offered by Bank and to preserve the mapping record in its own server or server of any other third party and to use such data at its discretion for providing/enhancing further banking/ technology products that it may offer.
  4. Agrees that he/ she is aware and accepts that UCO SECURE offered by the Bank will enable him/her to transact using MPIN within the limit prescribed by the Bank and will be deemed as confide transaction.
  5. Agrees to use the facility properly and validly registered in his/her name only with the Mobile Service Provider and undertakes to use the Facility only through Mobile Phone Number which has been used to register for the Facility.
  6. Agrees that while the Information Technology Act,2000 prescribes that a subscriber can authenticate an electronic record by affixing his digital signature which has been given legal recognition under the Act, the Bank is authenticating the Customer by using Mobile Number, MPIN/ or any other method decided at the discretion of the Bank which may not be recognized under the IT Act, 2000 for authentication of electronic records and this is acceptable and binding to the Customer and hence the Customer is solely responsible for maintenance of the secrecy and confidentiality of the MPIN/ without any liability to the Bank.

3.5 Others

  1. The Customer shall be required to acquaint himself/herself with the process for using the facility and that he/she shall be responsible for any error made while using the Facility.
  2. The Bank reserves the right to decide what services may be offered. Additions / deletions to the services offered under the facility are at its sole discretion of the Bank.
  3. The instructions of the Customer shall be effected only after authentication under his/her USER ID and MPIN or through any other mode of verification as stipulated at the discretion of the Bank.
  4. While it shall be the endeavour of the Bank to carry out the instructions received from the Customers promptly, it shall not be responsible for the delay / failure in carrying out the instructions due to any reasons whatsoever including failure of operational system or due to any requirement of law. The Customer expressly authorizes the Bank to access his/her account information required for offering the services under the facility and also to share the information regarding his/ her accounts with the service provider/ third party as may be required to provide the services under the Facility.
  5. The transactional details will be recorded by the Bank and these records will be regarded as conclusive proof of the authenticity and accuracy of transactions.
  6. The Customer understands that the Bank may send "rejection" or "cannot process" the request messages for the service request(s) sent by the Customer which could not be executed for any reason whatsoever.
  7. The Bank shall make all reasonable efforts to ensure that the Customer information is kept confidential but shall not be responsible for any inadvertent divulgence or leakage of confidential Customer information for reasons beyond its control or by action of any third party.
  8. The Customer expressly authorizes the Bank to carry out all requests/ transactions purporting to have been received from his/ her mobile phone and authenticated with his / her MPIN.
  9. It is the responsibility of the Customer to advise the Bank of any change in his mobile number or loss / theft of mobile phone by adopting the procedure laid down by the Bank for the purpose.
  10. The Telecom Service provider of the customer may levy charges for each SMS / dial / GPRS and the Bank is not liable for any dispute that will arise between such telecom service provider and the Customer.

3.6 Fee structure for the Facility

The Bank reserves the right to charge the Customer a fee for the use of the services provided under the Facility and change the fee structure at its discretion. Display of such charges on Bank's websites would serve as sufficient notice and the same is binding on the customer.

3.7 Accuracy of Information

  1. It is the responsibility of the Customer to provide correct information to the Bank through the use of the Facility or any other method. In case of any discrepancy in this information, the Customer understands that the Bank will not be in any way responsible for action taken based on the information. The Bank will endeavour to correct the error promptly wherever possible on a best effort basis, if the customer reports such error in information.
  2. The Customer understands that the Bank will try, to the best of its ability and effort, to provide accurate information and shall not hold the Bank responsible for any errors or omissions that will occur due to reasons beyond the control of the Bank.
  3. The Customer accepts that the Bank shall not be responsible for any errors which will occur in spite of the steps taken by the Bank to ensure the accuracy of the information and shall not have any claim against the Bank in an event of any loss / damage suffered as a consequence of an information provided by the Bank found to be not correct.

3.8 Responsibilities and obligations of the Customer

  1. The Customer will be responsible for all transactions, including, unauthorized/ erroneous / wrong / incorrect / mistaken / false transactions made through the use of his / her mobile phone, SIM card and MPIN/, regardless of whether such transactions are in fact entered into or authorized by him / her. The Customer will be responsible for the loss/damage, if any suffered in respect of all such transactions.
  2. The Customer shall take all possible steps to ensure that the Application and his/her mobile phone are not shared with anyone and shall take immediate action to de-register from UCO SECURE as per procedure laid down in case of misuse/ theft/loss of the mobile phone or SIM card.
  3. The Customer will use the services offered under the Facility using the MPIN in accordance with the procedure as laid down by the Bank from time to time, including the terms and conditions contained herein.
  4. The Customer shall keep the application password MPIN confidential and will not disclose these to any other person or will not record them in a way that would compromise the confidentiality of the same or the security of the service.
  5. It will be the responsibility of the Customer to notify the Bank immediately if he/ she suspect the misuse of the MPIN. He will also immediately initiate the necessary steps to change his MPIN.
  6. If the mobile phone or SIM is lost, the user must immediately take action to de-register from UCO Secure Services (UCO SECURE) at any UCO BANK branch.
  7. The Customer accepts that any valid transaction originating from the registered mobile phone number shall be assumed to have been initiated by the Customer and any transaction authorized by the MPIN/ is duly and legally authorized by the Customer.
  8. The Customer shall keep himself/herself updated with regard to any information/ modification relating to the services offered under the Facility which would be publicized on the Bank's websites and at the branches and would be responsible for taking note of / compliance of such information/ modifications in making use of the Facility.
  9. The Customer shall be liable for all loss or breach of the Terms and Conditions contained herein or contributed or caused the loss by negligent actions or a failure to advise the Bank within a reasonable time about any unauthorized access in the account.
  10. The Customer shall be liable and responsible for all legal compliance and adherence of all commercial terms and conditions in respect of the mobile connection/SIM card/mobile phone through which the facility is availed and the Bank does not accept/ acknowledge any responsibility in this regard.
  11. It is the responsibility of the Customer to notify the Bank, about any change in account, through a separate communication, making a specific reference to the UCO SECURE facility availed. It is also the responsibility of the Customer to notify the Bank, any other change in the operation of the account which will otherwise make the account ineligible for UCO SECURE. Any failure on the part of the Customer to advise the Bank separately shall continue to bind all the account holders, jointly and severally for the transactions through this Facility.

3.9 Disclaimer

A. The Bank, when acting in good faith, shall be absolved of any liability in case:

  1. The Bank is unable to receive or execute any of the requests from the Customer or there is loss of information during processing or transmission or any unauthorized access by any other person or breach of confidentiality or due to reasons beyond the control of the Bank.
  2. There is any kind of loss, direct or indirect, incurred by the Customer or any other person due to any failure or lapse in the Facility which are beyond the control of the Bank.
  3. There is any failure or delay in transmitting of information or there is any error or inaccuracy of information or any other consequence arising from any cause beyond the control of the Bank which may include technology failure, mechanical breakdown, power disruption, etc.
  4. There is any lapse or failure on the part of the service providers or any third party affecting the said Facility and that the
  5. Bank makes no warranty as to the quality of the service provided by any such provider.

B. The Bank, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of the Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any service provider and the Bank's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, the Bank's system or the network of any service provider and/or any third party who provides such services as is necessary to provide the Facility.

C. The Bank will not be responsible if the Application is not compatible with/ does not work on the mobile handset of the Customer.

3.10 Indemnity

In consideration of the Bank providing the Facility, the Customer agrees to indemnify and hold the Bank harmless against all actions, claims, demands proceedings, loss, damages, costs, charges and expenses which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or arising out of or in connection with any services provided to the Customer pursuant hereto. The Customer shall indemnify the Bank for unauthorized access by any third party to any information/instructions/triggers given by the Customer or breach of confidentiality.


To use the app, it is necessary that internet connection is available on the mobile either using data connection or through WIFI.







Upon successful login using 4 digit Mpin, user would be able to view Digital Products available for blocking/unblocking & user profile.


Customer now has the option to block any or all of the ADC services when they are not required.

For example, if a customer wants to temporarily block debit card (international) services, he may do so by selecting ‘ATM DEBIT CARD’ -> CHOOSE ACCOUNT NUMBER-> change the switch to ‘disable’ to instantly block this service.


Customer will receive a confirmation message.


User need not enter any other password while blocking any product. However, when the user will “unblock” the service, request will have to be verified via OTP sent to customer’s registered mobile number.

Similarly customer can instantly disable/enable other digital banking services:
Mobile Banking, Internet Banking, BHIM UCO UPI & UCOPAY+.




In case the customer forgets his/her Mpin (login pin), the same may be reset by following the given steps:

  • Select “forgot mpin” option present at the login screen.
  • User will then receive OTP on his/her registered mobile number.
  • Enter a/c number and one of last 5 transaction details.
  • Set new MPIN and login again.


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