Keeping an eye on your bank balance is the first step to smart money management. UCO Bank—one of India’s trusted public sector banks—offers a range of easy ways to check your account balance, whether you love using the latest tech or prefer traditional channels. In this post, we’ll walk you through every method UCO Bank provides and answer the most common questions to help you stay on top of your finances.
Why Check Your UCO Bank Account Balance Regularly?
Monitoring your account balance is essential for several reasons:
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Avoid Overdrafts: Prevent unexpected fees by ensuring sufficient funds.
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Track Spending: Understand your financial habits and plan expenses.
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Detect Fraud: Spot unauthorized transactions early to secure your account.
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Financial Planning: Stay informed to make informed budgeting decisions.
UCO Bank provides a range of options, from digital solutions like mobile apps and internet banking to offline methods like ATMs and passbook updates, ensuring accessibility for all customers.
UCO Bank Balance Check Methods
1. SMS Banking
SMS banking is a quick and convenient way to check your balance without an internet connection. You must use the mobile number registered with your UCO Bank account.
Steps:
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Open your messaging app.
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Type: UCOBAL <mPIN> (replace <mPIN> with your mobile banking PIN).
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If you have multiple accounts linked to the same number, use: UCOBAL <mPIN> <14-digit Account Number>.
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Send the SMS to 56161.
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Receive an SMS with your account balance details.
Note: Ensure your mobile number is registered for SMS banking. Contact your branch or use internet banking to register if needed.
2. Toll-Free Number
UCO Bank offers a toll-free number for balance inquiries, available 24/7, which does not require prior registration.
Steps:
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Dial 1800-274-0123 from your registered mobile number.
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Follow the Interactive Voice Response (IVR) prompts.
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Select the balance inquiry option.
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Your balance will be provided via the IVR or an SMS.
Note: This method is ideal for those without smartphones or internet access.
3. Missed Call Service
UCO Bank provides a missed call service for instant balance updates, requiring no internet connection.
Steps:
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Ensure your mobile number is registered with UCO Bank.
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Dial 09278792787 from your registered mobile number.
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The call will disconnect automatically after a few rings.
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You will receive an SMS with your account balance and the last four digits of your account number.
Note: Verify with the bank for the latest missed call number, as some sources indicate UCO Bank may not always support this service.
4. Mobile Banking Apps
UCO Bank offers several mobile banking apps for balance checks and other services, available on Android and iOS platforms. These include UCO M-Banking, UCO mPassbook, UCO Pay+, UCOSecure, and BHIM UCO UPI.
Steps:
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Download the desired app (e.g., UCO M-Banking or UCO mPassbook) from Google Play Store or Apple App Store.
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Log in using your registered mobile number or account number and mPIN (or OTP for first-time login).
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Navigate to “Account Details” or “View Account Balance” to check your balance.
Popular Apps:
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UCO M-Banking: Offers balance checks, fund transfers, and mini statements.
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UCO mPassbook: Allows viewing electronic passbook transactions, even offline.
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UCO Pay+: A digital wallet for balance checks and payments (Android only).
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BHIM UCO UPI: Enables balance checks via UPI.
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UCOSecure: Enhances security for digital transactions and supports balance inquiries.
Note: Ensure you download official apps from trusted sources to protect your data.
5. Internet Banking
UCO Bank’s internet banking portal allows registered users to check their balance online.
Steps:
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Visit the UCO Bank internet banking website (https://www.ucobank.com/english/e-banking.aspx).
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Click “Login” and select “Personal Login.”
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Enter your User ID and Password.
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Navigate to “View Account Details” or “Account Summary.”
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Your account balance will be displayed.
Note: You must be registered for internet banking. Visit your branch or register online if you’re a first-time user.
6. ATM Balance Inquiry
Checking your balance at an ATM is a reliable offline method.
Steps:
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Visit any UCO Bank ATM (or other bank ATMs supporting your card).
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Insert your UCO Bank debit card.
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Enter your 4-digit PIN.
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Select “Balance Enquiry” from the menu.
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Your balance will be displayed on the screen, with an option to print a receipt.
Note: Ensure you shield the keypad when entering your PIN for security.
7. Passbook Update
For those who prefer traditional methods, updating your passbook at a UCO Bank branch is a straightforward option.
Steps:
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Visit your nearest UCO Bank branch.
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Present your passbook at the counter or use a passbook printing kiosk (if available, requires a barcode on the passbook).
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The updated passbook will show your latest transactions and current balance.
Note: You can also use the UCO mPassbook app for a digital passbook experience.
8. WhatsApp Banking
UCO Bank’s WhatsApp banking service offers a modern, user-friendly way to check your balance.
Steps:
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Save the UCO Bank WhatsApp number 8334001234 in your contacts.
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Open WhatsApp and send “Hi” to the number.
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Select your preferred language.
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Choose “Banking Services” and then “Balance Enquiry.”
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Your balance will be displayed in the chat.
Note: Your mobile number must be registered with the bank. Standard data charges may apply.
9. Customer Care
You can contact UCO Bank’s customer care for assistance with balance inquiries.
Steps:
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Call 1800-103-0123 or 1800-274-0123.
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Verify your identity with security questions as prompted by the customer care executive.
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Request your account balance, which will be provided over the phone or via SMS.
Note: This method is useful for additional queries or if other methods are unavailable.
10. E-Statements
UCO Bank sends electronic statements (e-statements) periodically, which include your balance and transaction history.
Steps:
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Access e-statements via internet banking or your registered email.
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Review the statement for your current balance and recent transactions.
Note: Ensure your email is updated with the bank to receive e-statements.
Security Tips for Balance Checks
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Use Secure Channels: Always use official apps, websites, or numbers provided by UCO Bank.
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Protect Your PINs: Never share your mPIN, ATM PIN, or internet banking credentials.
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Verify Numbers: Use only the official toll-free or SMS numbers to avoid scams.
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Log Out Securely: After using internet or mobile banking, log out and clear your browser cache.
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Monitor Transactions: Regularly check your balance and statements to detect unauthorized activity.
Frequently Asked Questions (FAQs)
Q1: Can I check my UCO Bank balance without internet access?
A: Yes, you can use SMS banking (send UCOBAL <mPIN> to 56161), the toll-free number (1800-274-0123), the missed call service (09278792787), or visit an ATM or branch to check your balance without internet access.
Q2: How do I register my mobile number for SMS or missed call services?
A: Visit your nearest UCO Bank branch or use the internet banking portal to link your mobile number to your account. You may need to submit a KYC document for verification.
Q3: Are there any charges for checking my UCO Bank balance?
A: Most balance inquiry methods, including SMS, missed call, toll-free number, and ATM checks, are free. However, standard data charges may apply for WhatsApp or mobile app usage. Verify with the bank for the latest policy.
Q4: Can I check multiple UCO Bank account balances with one mobile number?
A: Yes, if multiple accounts are linked to the same registered mobile number, send UCOBAL <mPIN> <14-digit Account Number> to 56161 to specify the account. For missed call or WhatsApp services, follow prompts to select the account.
Q5: What should I do if I don’t receive a balance SMS after using the missed call or SMS service?
A: Ensure your mobile number is registered with UCO Bank. If the issue persists, contact customer care at 1800-103-0123 or visit a branch.
Q6: Is it safe to check my balance using mobile apps or internet banking?
A: Yes, UCO Bank uses secure encryption for its apps and internet banking. Download apps from trusted sources (Google Play Store or Apple App Store) and avoid sharing your credentials.
Q7: Can I check my balance using a non-UCO Bank ATM?
A: Yes, you can use any ATM that supports your UCO Bank debit card. However, non-UCO Bank ATMs may charge a fee for balance inquiries after a certain number of free transactions.
Q8: How do I get a mini statement along with my balance?
A: Use SMS banking (send TRAN <Account Number> <mPIN> to 56161), mobile apps (select “Account Statement”), internet banking (select “Mini Statement”), or an ATM (select “Mini Statement”) to view your last 5–10 transactions along with your balance.
Q9: Can I check my credit card balance using these methods?
A: Yes, you can check your UCO Bank credit card balance via internet banking, mobile apps, SMS alerts, customer care, or by visiting an ATM or branch. Monthly credit card statements also provide balance details.
Q10: What is the benefit of using WhatsApp banking for balance checks?
A: WhatsApp banking is user-friendly, quick, and accessible via a familiar platform. It allows balance checks, mini statements, and other services without needing to download additional apps, provided your number is registered.
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