Managing your finances effectively requires staying on top of your bank account balance. Union Bank of India offers multiple user-friendly methods to check your account balance, ensuring you can monitor your funds anytime, anywhere. Whether you prefer digital solutions like mobile apps and internet banking or offline methods like missed calls and passbook updates, Union Bank has you covered. This blog explores the various ways to check your Union Bank of India account balance and answers frequently asked questions to help you stay informed.
Why Check Your Account Balance Regularly?
Regularly checking your account balance helps you:
- Avoid overdraft fees by ensuring sufficient funds.
- Monitor spending patterns to manage your budget.
- Detect unauthorized transactions for enhanced security.
- Make informed financial decisions, such as planning purchases or investments.
With Union Bank of India’s convenient balance enquiry options, staying updated on your finances is effortless. Below are the primary methods to check your account balance.
Methods to Check Union Bank of India Account Balance
1. Missed Call Service
One of the simplest and most accessible ways to check your balance is through Union Bank’s missed call service. This method is ideal for those without internet access or smartphones.
- Steps:
- Ensure your mobile number is registered with Union Bank of India.
- Give a missed call to 09223008586 from your registered mobile number.
- The call will disconnect automatically after a few rings.
- You’ll receive an SMS with your primary account balance.
- Note: If you have multiple accounts, the balance of the most recently active account is sent. This service is free but may incur standard SMS charges (₹2.50 + GST for domestic, ₹1.20 + GST for international).
2. SMS Banking
Union Bank’s SMS banking service allows you to check your balance by sending a text message.
- Steps:
- From your registered mobile number, send UBAL to 09223008486 for your primary account balance.
- For a specific account, send UBAL <space> Account Number</space> to the same number.
- You’ll receive an SMS with your account balance details.
- Note: Standard SMS charges apply. Ensure your mobile number is registered with the bank.
3. Mobile Banking (Vyom App)
The Vyom mobile banking app provides a seamless way to check your balance and manage other banking activities.
- Steps:
- Download the Vyom – Union Bank of India app from the Google Play Store or Apple App Store.
- Register using your registered mobile number and verify with the OTP sent to you.
- Log in with your credentials (MPIN or fingerprint).
- Navigate to the “Accounts” section to view your balance.
- Note: You must activate mobile banking services through the app, a branch, or an ATM. The app is free to use.
4. Internet Banking
Union Bank’s online banking portal allows you to check your balance and access detailed transaction histories.
- Steps:
- Visit the official Union Bank of India website.
- Click on “Internet Banking” and select “Retail Login.”
- Log in with your User ID and password.
- Go to the “My Accounts” or “Account Summary” section to view your balance.
- Note: You need to register for internet banking via the website or a branch.
5. WhatsApp Banking
Union Bank offers balance enquiry through WhatsApp for a quick and modern approach.
- Steps:
- Save the official Union Bank WhatsApp number 9666606060 in your contacts.
- Send “Hello” or “Hi” to initiate a conversation.
- Select the “Balance Enquiry” option from the menu.
- Your account balance will be displayed in the WhatsApp chat.
- Note: Your mobile number must be registered for WhatsApp banking.
6. ATM Balance Enquiry
You can check your balance at any Union Bank of India ATM or other bank ATMs affiliated with the bank.
- Steps:
- Visit an ATM and insert/swipe your Union Bank debit card.
- Enter your 4-digit PIN.
- Select the “Balance Enquiry” option.
- Your balance will be displayed on the screen, and you may receive a printed receipt.
- Note: This method is convenient for those who prefer offline options.
7. Passbook Update
For those who prefer traditional methods, updating your passbook at a Union Bank branch or passbook printer is a reliable option.
- Steps:
- Visit a Union Bank of India branch or use a passbook printer at the branch.
- Submit your passbook for updating or use the printer yourself.
- The updated passbook will show your current balance and recent transactions.
- Note: Passbook printers are user-friendly and available at many branches.
8. USSD Service
For customers without smartphones or internet access, Union Bank offers a USSD-based service.
- Steps:
- Dial *99# or *99*50# from your registered mobile number.
- Follow the on-screen prompts and select the “Account Balance” option.
- Your balance will be displayed on the screen.
- Note: This service is available on all GSM networks and requires a registered mobile number.
9. Customer Care
You can contact Union Bank’s customer care for balance enquiries.
- Steps:
- Call the toll-free numbers 1800 22 2244 or 1800 208 2244 from your registered mobile number.
- Follow the IVR prompts, select your preferred language, and choose “Banking” then “Balance Enquiry.”
- If calling from an unregistered number, verify your identity using your debit card and account number.
- Your balance will be provided via IVR or SMS.
- Note: This service is available 24/7.
Key Benefits of Union Bank’s Balance Enquiry Services
- Convenience: Access your balance anytime, anywhere using multiple channels.
- Security: Services like missed calls and SMS require a registered mobile number, ensuring secure access.
- Cost-Effective: Most methods, like missed calls and mobile apps, are free (except for standard SMS charges).
- Accessibility: Options like USSD and missed calls cater to users without smartphones or internet access.
- Real-Time Updates: Get instant balance information to make informed financial decisions.
Frequently Asked Questions (FAQ)
How can I check my Union Bank of India account balance via missed call?
To check your balance, give a missed call to 09223008586 from your registered mobile number. The call will disconnect automatically, and you’ll receive an SMS with your primary account balance. If you have multiple accounts, the balance of the most recently active account is sent.
Is the missed call service for balance enquiry free?
Yes, the missed call service is free, but standard SMS charges may apply (₹2.50 + GST for domestic, ₹1.20 + GST for international).
How do I check my balance if I have multiple accounts with Union Bank?
For the primary account, send UBAL to 09223008486. For a specific account, send UBAL <space> Account Number</space> to the same number. Via the missed call service, only the balance of the most recently active account is provided.
How can I register my mobile number for balance enquiry services?
Visit your nearest Union Bank branch to submit a form, or register through an ATM, net banking, or the Vyom app. You can also contact customer care at 1800 22 2244 to activate services.
Can I check my balance without a smartphone or internet?
Yes, you can use the missed call service (09223008586), SMS banking (UBAL to 09223008486), USSD (*99#), customer care (1800 22 2244), or visit a branch to update your passbook.
How do I check my balance using the Vyom app?
Download the Vyom app from the Google Play Store or Apple App Store, register with your mobile number, verify with an OTP, and log in with your MPIN. Navigate to the “Accounts” section to view your balance.
Can I check my balance through WhatsApp?
Yes, save 9666606060 in your contacts, send “Hi” via WhatsApp, and select the “Balance Enquiry” option. Your balance will be displayed in the chat. Ensure your mobile number is registered for WhatsApp banking.
How do I check my balance at an ATM?
Visit any Union Bank or affiliated bank ATM, insert your debit card, enter your PIN, and select “Balance Enquiry.” Your balance will be displayed, and you may receive a receipt.
What should I do if I don’t receive my balance details after a missed call or SMS?
Ensure your mobile number is registered with the bank. If the issue persists, contact customer care at 1800 22 2244 or 1800 208 2244 or visit a branch.
Is there a limit on balance enquiries through the Vyom app?
Union Bank does not specify a daily or monthly limit for balance enquiries via the app, but limits may vary by account type or service.
How can I ensure the security of my balance enquiry?
Use only official Union Bank channels (e.g., verified numbers like 09223008586 or 9666606060, the official website, or the Vyom app). Never share your User ID, password, PIN, or OTP with anyone. Report suspicious activity to the bank’s official anti-phishing contact.
Can I check my credit card balance using these methods?
For credit card balance enquiries, use the dedicated number 1800 425 4059, net banking, the Vyom app, or visit an ATM or branch. SMS alerts are also available for real-time updates.
For more information visit : https://www.unionbankofindia.co.in/
Also visit : https://postofficefd.com/bank-of-baroda-personal-loan-options-in-2025/