# BHIM UCO UPI

> Mobile banking app for UPI payments, money transfer, and balance inquiries. (iPhone/iPad app by UCO BANK.)

- Source: https://appshunter.io/ios/app/bhim-uco-upi/id1452986347 (this page in markdown: same URL + `.md`)
- Developer: [UCO BANK](https://appshunter.io/developer/1045009109)
- Category: Finance, Business
- Price: Free
- Rating: 1.00/5 from 2 App Store ratings · 14 written reviews indexed
- Age rating: 4+
- Requires: iOS 17 · 13 MB
- Languages: American English
- Released: 2019-02-23
- Data updated: 2026-08-15
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/bhim-uco-upi/id1452986347/reviews.md

## What is BHIM UCO UPI?

UCO Bank launches official UPI-Unified Payment Interface app for all banking needs of customer.

UCO Bank is a commercial Bank and a Government of India undertaking and providing various services to its customers.

BHIM UCO UPI-Unified Payment Interface allows customers to Pay/Collect money using Virtual Private Address. Virtual Private Address is unique for each customers account. Customer can download the UPI app and install it in device(Mobile/ Tablets). While doing the registration, UPI app communicates with NPCI in encrypted data format. The customer has to create virtual address and complete profile information. The customer can add UPI enabled Bank accounts based on their Mobile Number registered in banks. After adding the bank account, it has to verified using debit card information and set MPIN using OTP. After debit card verification, the customer can pay/collect to other bank accounts. The customer can do the balance enquiry. UPI uses IMPS as underlying base. The customer can use P2P(using MMID and Mobile of Remitter), P2A(using IFSC and account), P2U (AAdhar payments) and VPA(Virtual Private Address) for doing payments. The customer can initiate collect request to other UPI customer. It will appear in Collect Authorisation option where user can accept or reject requests. The transaction history shows details of all payment and collect requests. Using Add beneficiary, the customer can add beneficiary of other banks for doing payments.
The Unified Payment Interface allows payments to be initiated by the payer, or by the payee. In the basic payee initiated flows, the payment request is routed by the initiating application through the NPCI switch to the payer for approval. However, in certain instances, where it is possible to connect with the payer immediately, it is preferred that the payee sends a payment request to the payer, who can then initiate the payment request with his credentials.
Unified Payments Interface (UPI) is an architecture and a set of standard APIs to facilitate the next generation online immediate payments leveraging trends such as increasing smartphone adoption, Indian language interfaces, and universal access to Internet and data. UPI is launched by National Payments Corporation of India with Reserve Bank of India's vision of migrating towards a 'less-cash' and more digital society. NPCI has built on the Immediate Payment Service(IMPS) platform through which one could transfer money instantly by going online-by adding another layer that allows easy debit capability even on mobile phones.

Bank as a part of digital banking, is introducing QR code for its BHIMUCOUPI. This will facilitate in leveraging quick fund transfer and healthy replacement of PoS (Point of Sale).

## Key features

- Send and receive money via Virtual Private Address
- Supports P2P, P2A, and Aadhaar payments
- Initiate and authorize collect requests
- View transaction history
- Add beneficiaries
- Balance inquiry

## Recent user reviews (10 of 14)

All indexed reviews: https://appshunter.io/ios/app/bhim-uco-upi/id1452986347/reviews.md

### 3/5 — App take longer time to open

*2024-03-10*

The server is too slow and specifically night time server is very bad didn’t receive any mssge really frustrated. Plzz doo something

**Developer response:** Dear Customer, we regret the inconvenience caused. Thank you for raising your concern. Our technical team is analysing the issue for resolution. If you are having any other issue, kindly share at:- uco.mbanking@ucobank.co.in or reach our toll free number at 18001030123. We will be happy to assist you. You may also raise complaint through https://spgrs.ucoonline.in

### 4/5 — Unable to login in Uco Bhim App

*2023-08-07*

I am unable to login in Uco Bhim App. Every time it shows the error “DEVICE NOT AUTHORISED TO LOGIN”. Please do the needful asap.

**Developer response:** Dear customer, 
Sorry for the inconvenience caused. We request you to kindly update the app and try again. In case of further issues, kindly reach us at our toll free number 18001030123

### 2/5 — SMS token disabled shows again and again

*2023-07-29*

Very poor services please improve.

**Developer response:** Dear customer,
Sorry for the inconvenience caused. Kindly elaborate your issue. You can write us on uco.custcare@ucobank.co.in

### 1/5 — The UPI UCo App

*2022-05-20*

It does not send the Sms for verification of cell no it goes back to home hopeless app

**Developer response:** Dear customer, Sorry for the inconvenience caused. We request you to kindly update the app and try again. In case of further issues, kindly reach us at our toll free number 18001030123

### 1/5 — Who deals with UPI related complaints

*2022-03-10*

There’s no specific link in UCO Bank’s website to get upi related complaints registered. Even when one calls consumer care there’s no option where one may get upi id related complaints registered. UCO tram please look into this. I started using uco mBanking plus App and deregistered myself from UCO UPI and since then I am not able to use my VPA. It says your user Id is blocked. I even visited my bank accounts home branch, even they seemed helpless.

Please look into this.

**Developer response:** Dear customer, Sorry for the inconvenience caused. You can raise complaint through link https://spgrs.ucoonline.in

### 1/5 — It shows validation_error in adding of bank account

*2020-11-24*

There are so many problems in this app ignoring these problems there is a big problem in adding bank account with the ID it shows Validation_Error. I tried it several times but it shows the same. So please update this app and make it as perfect without having any problems...

### 1/5 — App crashing

*2020-07-11*

App crashing as soon as I click send sms

### 1/5 — Not support in iphone 6s

*2020-06-26*

Why this app is not support in iphone 6s

### 1/5 — Not working

*2020-06-20*

Recently pay is not working.

### 1/5 — cannot reset my upi mpin

*2020-04-12*

very pathetic service cannot reset mu upi pin  message each time i try to reset it display in the screen error user id is locked

## Frequently asked questions about BHIM UCO UPI

### What is BHIM UCO UPI?

BHIM UCO UPI is an official UPI application launched by UCO Bank. It allows customers to perform various banking and payment transactions using the Unified Payment Interface.

### How do I set up BHIM UCO UPI?

To set up BHIM UCO UPI, you need to download and install the app, create a virtual address, complete your profile, add your UPI-enabled bank account, verify it with debit card information, and set an MPIN using OTP.

### What payment methods does BHIM UCO UPI support?

BHIM UCO UPI supports payments via Virtual Private Address (VPA), P2P (using MMID and Mobile), P2A (using IFSC and Account), and P2U (Aadhaar payments).

### Can I check my bank balance with BHIM UCO UPI?

Yes, the application allows you to perform a balance inquiry for your linked bank accounts.

### How secure is BHIM UCO UPI?

The app communicates with NPCI using encrypted data formats. During registration, your bank account is verified using debit card information and an MPIN is set via OTP for secure transactions.

### Does BHIM UCO UPI have ads?

No, BHIM UCO UPI does not contain advertisements.

### What is the rating for BHIM UCO UPI?

BHIM UCO UPI has a rating of 1.0 stars based on 2 ratings.

### On which devices can I use BHIM UCO UPI?

BHIM UCO UPI is currently supported on iPhone devices.

## Version history (last 5 releases)

### 2.7 — 2025-11-12

Security Enhancement

### 2.6 — 2025-08-19

Security Enhancement

### 2.5 — 2024-08-08

Feature added to set UPI pin through Aadhaar No and OTP validation.

### 2.4 — 2024-01-10

Security Enhancement

### 2.3 — 2023-07-28

Pay to Contacts (UPI Central Mapper) and enhanced security features

## Apps similar to BHIM UCO UPI

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Yono Business SBI](https://appshunter.io/ios/app/yono-business-sbi/id1056093690) | 4.0 (15) | Free | Finance |
| [Utkarsh UPI](https://appshunter.io/ios/app/utkarsh-upi/id1575341725) | — | Free | Finance |
| [BHIM IOB UPI](https://appshunter.io/ios/app/bhim-iob-upi/id1565773245) | 3.1 (20) | Free | Finance |
| [OmniCard: UPI, Card & Rewards](https://appshunter.io/ios/app/omnicard-upi-card-and-rewards/id1569978342) | 4.7 (40) | Free | Finance |
| [AU 0101: Mobile Banking App](https://appshunter.io/ios/app/au-0101-mobile-banking-app/id1532869687) | 3.9 (37) | Free | Finance |
| [PSB UnIC](https://appshunter.io/ios/app/psb-unic/id1597657276) | 4.8 (4) | Free | Finance |

## More apps by UCO BANK

- [UCO mPassbook](https://appshunter.io/ios/app/uco-mpassbook/id1072308150)
- [UCOPAY+](https://appshunter.io/ios/app/ucopay-plus/id1191452060)
- [UCOSECURE](https://appshunter.io/ios/app/ucosecure/id1346468085)
- [UCO mBanking Plus](https://appshunter.io/ios/app/uco-mbanking-plus/id1484066925)
- [UCO Corporate mBanking](https://appshunter.io/ios/app/uco-corporate-mbanking/id1603605420)

All apps by UCO BANK: https://appshunter.io/developer/1045009109

## Related topics

[uco bank](https://appshunter.io/ios/topics/uco-bank) · [uco m banking](https://appshunter.io/ios/topics/uco-m-banking) · [uco mbanking plus](https://appshunter.io/ios/topics/uco-mbanking-plus) · [bhim iob upi](https://appshunter.io/ios/topics/bhim-iob-upi) · [uco mpassbook](https://appshunter.io/ios/topics/uco-mpassbook)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-15.*