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Union Bank of India offers BHIM UPI facility to its account holders. The BHIM UPI feature allows the customers of Union Bank of India to carry out various money transfer transactions with a few simple clicks. The money transfer is instantaneous, saving time and energy to a lot of people.
Unified Payments Interface allows all holders of bank accounts (UPI banks) via a single Virtual Payment Address (VPA) ID and mobile portal to send and receive money without the need to keep track of any beneficiary data, or use the UPI to perform commercial transactions. It allows all Union Bank of India account holders to make payments instantly from any bank account, using only the Virtual Payment Address, without any need to know other specifics of the recipient.
In order to use UPI for your payments, you need to have a bank account in India with your mobile number linked to that bank account. UPI allows you to link multiple bank accounts to your single Union Bank of India UPI account. Some other popular apps that provide UPI payment are BHIM created by NPCI, and certain private companies such as Paytm, PhonePe, Google Pay, Amazon Pay, etc. Make sure you have your mobile number listed for authentication on your bank account.
About Union Bank Of India UPI
UPI stands for Unified Payment Interface (UPI). It enables money to be immediately transferred via a mobile phone from one bank account to another. Payments can only be rendered via supporting mobile phone apps. The cash transactions through UPI are available 24x7.
Unified Payments Interface (UPI) is a portal developed by the National Payments Corporation of India (NPCI) to facilitate interoperability between banks. This is a one-stop solution for using separate bank accounts to carry out transfers from a single app.
It allows all account holders to send and receive money through their smartphones with a single identifier – the Virtual Payment Address (VPA) commonly known as the UPI ID – without requiring any bank account information. Customers often do not need to know the IFSC code of the beneficiary or payer, bank account details, etc., and this allows the transaction to be quicker. So customers will make quicker transactions to their friends and merchants.
Union Bank of India UPI works on their Mobile Banking App, U-Mobile. They have a separate section for BHIM UPI to enable customers to use this facility.
Please note that this app is currently available for Android users only. It is available on the Google Play Store for free download.
The Union Bank of India UPI App offers various time saving features and attractive offers to its users:
First, you need to create your profile on the app
Next step is adding your bank account to your UPI account
Last step is setting up your UPI PIN
Follow these simple steps to transfer money:
Request collection is to collect money from you as a bill payment or fund transfer. Keep in mind that money is charged / debited from your account if you accept a collect request. Never approve/authorize an unknown person's application for 'collection.'
How do I respond to a Collect Request that has been sent to me?
Transaction limit on Union Bank of India UPI
How to make online payments to merchants using Union Bank of India UPI?
Union Bank of India UPI allows you to make payments for your online purchases. It is very simple and similar to your credit or debit card payments.
Are there any charges for using the Union Bank of India UPI?
No, there are no charges to use the Union Bank of India UPI. Currently, no fees are charged for Union Bank of India UPI transactions. Charges shall be subject to revision from time to time. Any update in this matter will be reported on the Bank's website. You can see any available Discounts and deals from different merchant partners on the screen after login.
1. How do I change my default account on the Union Bank of India UPI App?
Login to your Union Bank of India UPI App. Go to the Accounts section in the main menu. Pick the relevant account from the available linked accounts. Click the Set 'As Default Account' button to set the selected account to the default account. This account will be referred to as the "Primary Account"
2. What happens if the transfer transaction fails or is transferred to an incorrect account?
You need to carefully check all the details of the beneficiary before making any transactions. In the event that such an error occurs, you can file a complaint from the application itself via the complaint section. In the event of a failed transaction, the balance will be refunded directly to the account within 7 working days.
3. What happens if my phone is lost or stolen?
If you lose your phone, the UPI PIN needed to approve all transactions would not be known to a third party and will therefore not be able to use the Bharat Interface for Money. In addition, you have to contact the customer service department at your bank to make sure that your account is not misused.
4. What is an UPI Mandate?
UPI Mandate is a feature that allows you to pre-authorize (Mandate) transactions to be debited from your bank account later. The mandate of the UPI is to be used in situations where money is to be transferred later, but the commitment to that is to be made now. It is likely that the sender will forget to send money later in order to establish a mandate or to make a service/merchant payment where this feature may be necessary. The account of the consumer shall be debited when the mandate is fulfilled.
5. Why am I able to see the account of my family members (my father's and my wife's accounts) while I'm attempting to add accounts to the Union Bank of India UPI?
UPI gathers the account data on the basis of the telephone number updated on bank accounts. If your mobile number is updated with your wife/mothers account, the Union Bank of India UPI App will show and allow you to connect all such accounts. You will only be able to pay via these accounts if you have a Debit card and its expiry date to set the UPI PIN for that card.
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