UCO M-Banking Services

UCO mBanking Services is a full fledged application based Mobile Banking Solution available on mobile phones (SMS/GRPS) where the user is required to download the application software on to the mobile handset.

Applicability of UCO mBanking Services

Ø    UCO mBanking service will be available to Savings Bank account holders with single or joint with E/S or Anyone /S facility. It will also be available to Current Account – Individual holders.

Ø    In case of joint holders with E or S or Anyone or Survivor facility, mandate of other holder to operate the account is essential.

Ø    At present, it is confined to holders of UCO Visa/ATM cards as UCO Visa/ATM cards are issued only to those holders who comply with KYC norms. However, non-Visa/ATM card holders can also get the facility after they comply with KYC stipulations.

Ø    The service will be carrier-agonistic i.e. all customers can avail the services irrespective of the service provider for the mobiles.

Ø    At present, the service is free of charge. However, SMS/GRPS cost will be borne by the customer as and when required to avail the services.

Requirement

Any phone or mobile operator is supported by the system.UCO mBanking works on even the most basic phone (GSM or CDMA) and does not require any special tariff plan or mobile operator registration.

Registration Process

Registration of UCO mBanking can be done through either of the following two processes:- 

A. Registration through UCO ATM: 

Customers can walk in at any ATM of UCO Bank and click at the Other services. They can choose Mobile Banking Registration. It will show

i) Registration

ii) De-Registration and

iii) Forgot Application Password/ mPin. 

After selecting Registration, system will ask the customer to give her/his Mobile Number. It will then ask to select the account type of the account to be linked viz. Savings or Current. On choosing, it will confirm registration and a receipt will be issued quoting the card no. with the message “Your Mobile Number Registered Successfully”

Customers will get an SMS containing a link for downloading the Mobile Banking Application Software. SMS will also contain application password and mPIN of the Mobile Banking Services.

On opening the link, application software will be downloaded in the handset of the customer

However, if for some reason, customer is unable to open the link, s/he has the option to download the application software from the website http://mobile.fssnet.co.in/MPAYPORTAL and copy it to her/his mobile handset.

After downloading the application software, customer will be prompted to install the application.

After installing the application, customer will open the application with application password and system will force the user to change the application password, initially provided by the system at the time of registration.

Customer will, then, be prompted to change the mPIN. The mPIN should have four digits.

B. Registration through Branch

Customers who do not have UCO Visa/ATM card or where UCO ATM is not available can go to branch and submit the application. 

Customer will submit request for UCO mBanking as per prescribed format (Annexure 1) at the branch, which will consist of, among other things, Mobile Number of the customer. On getting the same from the customer, branch will verify the signature of the applicant as also signature of any joint holder. It is to be ensured that the particulars especially card number mentioned in the application form matches with that available in bank’s core banking system.

Branch will lodge the request to HO ebanking Cell through IRPS, where it will be uploaded through bulk uploading system.

Customers will get an SMS containing a link for downloading the Mobile Banking Application Software. SMS will also contain application password and mPIN of the Mobile Banking Services.

On opening the link, application software will be downloaded at the handset of the customer.

However, if for some reason, customer is unable to open the link,  s/he has the option to download the application software from the website http://mobile.fssnet.co.in/MPAYPORTAL and copy it to her/his mobile handset.

After downloading, customer will prompted to install the application.

After installing the application, customer will open the application with application password and system will force the user to change the application password, initially provided by the system at the time of registration.

Customer will, then, be prompted to change the mPIN. The mPIN should have four digits.

Password Properties

Users will be provided with two password by way of SMS

(i) Application Password and

(ii) mPIN. 

Application Password is required for logging into application. After initial login system will ask for changing the password. Similarly, system will prompt to change mPIN. At the time of first login, both the application password and mPIN are to be changed mandatorily. Passwords should consist of four digits and both, the application password and mPIN should not be same.

Login Procedure

Once the application is installed, an icon or list in the name of UCO mBanking with bank’s logo will be visible in the mobile. Users will have to select the icon. System will ask initially whether s/he is a new user or old user. For first time login after Registration, user should select as a new user and for subsequent utilization, s/he should select as old user. However, in case of change of mobile handset or change of mobile number, user should select as old user. 

Once it is selected as new user, system will ask to put the Application password and to change it. Once validated, it will mandatorily prompt the user to change the mPIN. 

After changing both the application password and mPIN, system will prompt for communication mode viz. SMS or GPRS. By default, mobiles are under SMS mode only. However, depending on the choice of user, it can be changed to either SMS or GPRS.

For subsequent use of the application, users will have to simply select the UCO mBanking and put the application password and mPIN. For any utilization viz. balance enquiry, mini statement, fund transfer etc mPIN is required and only validation result will be exhibited. 

UCO MBanking Services

Informational Services

Ø  Balance Enquiry

Ø  Statement of Accounts

Ø  Holding, Bill and Scrip enquiry in Demat A/c

Transaction Services

Fund Transfer –

i) Within Bank

a) From Mobile to Mobile

b) From Mobile to account

 

ii) Other Bank –

a) Through IMPS

b) Through NEFT

Ø  Booking of Airtickets, Movie Tickets

Ø  Utility Bill Payment,

Ø  Donation to Temple, Charity

 

Request Services

ü  Cheque Book

ü  Statement of Accounts

ü  New Pin or Change Pin

ü  Cheque Status Enquiry

ü  Stop Payment of Cheque

ü  Hotlisting of ATM/Debit Card

Transaction Limit

UCO mBanking shall be subjected to a transaction limit as specified by Reserve Bank of India with daily maximum limit of Rs.50,000/- (Rs.5,000/- per transaction for fund transfer and Rs.10,000/- per transaction involving purchase of goods and services).

Utility Bill Payments

Customers will be able to avail Utility Bill Payments through UCO mBanking. For this purpose, pool account system, i.e. accumulation of all payments to a single collection account will be used, as in the case of UCO eBanking, and from there the payments will be made to different utility billers. Existing nodal branch for UCO eBanking utility payment will function to take care of utility bill payments through UCO mBanking as well. A new collection account number 00030210001646 may be utilised for the purpose for settlement of utility bill payments of UCO mBanking.

Generation of Application Password/mPIN

In case of requirement of generation of new application Password or mPIN, users can go to UCO Bank ATM, insert their card and validate it by providing PIN and go to Other Services. They can choose from the screen Forgot Application Password/mPIN, and a new Application Password/mPIN will be sent to their mobile number.

De-Registration from UCO mBanking

Customers shall be able to withdraw from UCO mBanking by two processes:

1.      Through UCO Bank ATM

2.      Through Branch

3.      Through UCO Bank ATM

Customer can walk in at any UCO ATM, insert their card and validate it with his/her PIN. They can choose Other services – Mobile Bank Registration – De –registration. They system will prompt to put his mobile number. On putting the mobile number, system will give a receipt “ De-Registration of your Mobile Number is successful”

Through Branch

Customers can give a letter in writing quoting their mobile number for withdrawing from UCO mBanking. Branch will lodge the request to HO, which will be uploaded at their end. 

Minimum Balance and Charges

There is no specific minimum balance or charges for UCO mBanking. However, normal banking rules for minimum balance shall apply. Similarly, at present there is no charge for UCO mBanking. However, customers will have to bear normal SMS/GRPS charges as applicable for the services.