# PSB UnIC — PSB UnIC

> Mobile banking app for fund transfers, investments, and account management. (iPhone/iPad app by PUNJAB AND SIND BANK.)

- Source: https://appshunter.io/ios/app/psb-unic/id1597657276 (this page in markdown: same URL + `.md`)
- Developer: [PUNJAB AND SIND BANK](https://appshunter.io/developer/1475907222)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 4 App Store ratings · 29 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 196 MB
- Languages: American English, Catalan, French (France), German (Germany), Italian, Polish, European Portuguese, Chinese (Simplified, China), European Spanish
- Released: 2021-12-23
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/psb-unic/id1597657276/reviews.md

## What is PSB UnIC?

PSB UnIC mobile banking app is a one stop solution allowing you to send money, view account details, generate statement, invest in term deposits, manage debit card, cheque services and many other exclusive services at your fingertips. PSB UnIC App allows transferring funds within and outside bank account using UPI, NEFT, RTGS, IMPS.
 
Below are some features of PSB UnIC App:
• Single login for web and mobile app. Login using biometric OR MPIN option can be used for Psb UnIC App.
• Instant self-accounts and within Bank transfer.
• Instant Payment upto 10,000/- via UPI & IMPS without adding Payee.
• Hassle free fund transfer from PSB to other bank accounts using various transfer modes such as: NEFT, IMPS, RTGS & UPI.
• Pay EMI, Pay Advance EMI or Pay loan overdue amount instantly.
• Invest in Social Security schemes – Atal Pension Yojana (APY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jiwan Jyoti Bima Yojana (PMJJBY).
• Investing in Bank Deposits is easier than ever. Open and close an online Fixed Deposit or online Recurring Deposit instantly.
• Debit card management- Manage your debit card limits and control the usage online.
• Apply for a new card, Hotlist a card or upgrade your card online.
• Request for a new Cheque book instantly.
• Pre-Intimate the issuance of cheques using Positive Pay.
• Stop a cheque, enquire inward and outward cheque status
• Generate bank statement, TDS certificate, Balance certificate instantly.
• Pay and collect money from anyone instantly using Unified Payment Interface (UPI Payments). UPI ID is your virtual identity for UPI payments.
We assure to add more and more features in the PSB UnIC.
Web version of PSB UnIC can be accessed through our official website: www.punjabandsindbank.co.in
For any feedback, queries or issues pertaining to PSB UnIC application please write to omni_support@psb.co.in

## Key features

- Fund transfers (UPI, NEFT, RTGS, IMPS)
- Account details and statement generation
- Invest in term deposits and social security schemes
- Debit card management and application
- Cheque services and positive pay
- Biometric and MPIN login

## Recent user reviews (10 of 29)

All indexed reviews: https://appshunter.io/ios/app/psb-unic/id1597657276/reviews.md

### 5/5 — Fantastic

*2026-07-19*

Awesome app! PSB UNIC is the best net banking app from Punjab & Sind Bank. Very fast, super easy to use, and very secure. My experience has been fantastic. All services like fund transfer, balance check, bill payments work smoothly without any glitch. Great work by PSB UNIC Team - 5 Stars!

**Developer response:** Thank you so much for leaving us a 5-star rating! We truly appreciate your support. If there’s anything specific you enjoyed about your experience or if there’s anything we can do to make your next visit even better, we’d love to hear from you. Your feedback helps us continue to improve! Thanks again.

### 5/5 — ⭐⭐⭐⭐⭐ Excellent and User-Friendly Banking App

*2026-02-27*

The Punjab & Sind Bank mobile banking app is very convenient and easy to use. The interface is clean and simple, making everyday banking tasks like balance check, fund transfer, and statement download quick and smooth. The app runs reliably and the security features give good confidence while doing transactions.

I especially like how fast the login process is and how clearly the account details are shown. It has made banking much more comfortable without needing to visit the branch frequently.

Overall, a very helpful and efficient banking app. Highly recommended for customers of Punjab & Sind Bank. 👍

**Developer response:** We appreciate your recent review. Your satisfaction is our top priority, and we’re committed to providing the best possible products and services to our valued customers like you.

### 1/5 — Brutal Customer Service — Not Worth the Hassle

*2026-02-20, version 1.7.3*

Honestly, this was a pretty rough experience. I couldn’t get into my account on the app, so I called customer support to get some help. That turned out to be a mistake.

I called twice, and both times the agent—Amisha, I think—ended the call before I even got a chance to explain what the issue was. No questions, no attempt to help, just straight-up hung up.

That kind of customer service isn’t acceptable. It was unprofessional and honestly disappointing. If this is how customers are treated, I’ll be looking at other banks that actually value and respect their clients.

### 1/5 — Not working

*2025-12-27, version 1.7.1*

Try number of time,every time registration fails at sim binding process.sms sent charges 5 rupees per sms but app fail number of time.if you want to waste your money then try this app.totally garbage app

### 1/5 — Fuddu App

*2025-08-13, version 1.6.6*

Garbage app and service. Bc i have been trying to login into my account but keeps showing sim binding failed. Such a stupid app

### 2/5 — Poor App

*2025-06-26*

Very poor performance,unattractive interface ,it is a challenge to log in ,it doesn’t get logged-in in single attempt ,sometimes it doesn’t logged in at all and shows different different errors ,while installing again it is giving error in sending sms for mobile verification..some other PSU banks like UCO bank very attractive and user friendly app.

**Developer response:** Hi, can you please send us your account details along with the screenshot of the problem to omni_support@psb.co.in so that we can help you. Thank you for using our app.

### 5/5 — Convenient and Super effective

*2025-06-04*

This app is like an entire bank at your disposal with almost all the services just a tap away on your phone. I have been saved a lot of hassle and bank trips because of the design and sheet amount of services provided by the bank through this app. One of the very few Bank apps that deserve appreciation!

**Developer response:** Thank you so much for leaving us a 5-star rating! We truly appreciate your support. Your feedback helps us continue to improve! Thanks again.

### 5/5 — The best of the Banking App

*2025-03-26*

Help me Access My Deposits Loan accounts and Saving accounts at one place. User interface is so easy to access. Recommended for PSB account holders ⭐️⭐️⭐️⭐️⭐️

### 1/5 — Garbage App

*2025-01-01, version 1.6.5*

This App so dump , that ive to close bank account

### 5/5 — Adding new features day by day

*2024-12-10*

Undoubtedly one of the best banking App I am currently using. I have a banking relationship with almost 15 banks and using their app also but the way PSB has improved them is phenomenal. From that poor PSB Mpay app that requires 3 PIN to do a transaction to this PSB UNIC is totally remarkable. Although there is always room to improve in terms in the IT era but I am happy and satisfied with PSB Unic.

## Frequently asked questions about PSB UnIC

### What is PSB UnIC?

PSB UnIC is a mobile banking application provided by Punjab and Sind Bank. It allows users to manage their accounts, transfer funds, invest in various schemes, and access other banking services conveniently.

### Is PSB UnIC free to use?

Yes, PSB UnIC is available for free download and use. There are no charges associated with downloading or using the core features of the application.

### What types of fund transfers does PSB UnIC support?

PSB UnIC supports multiple fund transfer methods including UPI, NEFT, RTGS, and IMPS. This allows for seamless transfers both within and outside of Punjab and Sind Bank accounts.

### Can I manage my debit card through PSB UnIC?

Yes, the app provides comprehensive debit card management features. You can manage card limits, control usage online, apply for new cards, hotlist existing ones, or upgrade your card.

### What investment options are available on PSB UnIC?

PSB UnIC allows you to invest in Bank Deposits, including opening and closing online Fixed Deposits or Recurring Deposits. It also facilitates investment in social security schemes like Atal Pension Yojana (APY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Pradhan Mantri Jiwan Jyoti Bima Yojana (PMJJBY).

### How secure is PSB UnIC?

The app offers secure login options including biometric authentication and MPIN. While specific security protocols are not detailed, banking applications generally employ industry-standard encryption and security measures to protect user data.

### Does PSB UnIC have ads?

Based on the provided information, PSB UnIC does not contain advertisements. The app is designed to offer a focused banking experience without commercial interruptions.

### What devices is PSB UnIC compatible with?

PSB UnIC is currently supported on iPhone devices. Information regarding Android compatibility is not provided in the current data.

## Version history (last 5 releases)

### 1.7.7 — 2026-07-30

- Bugs Fixes

### 1.7.6 — 2026-07-07

Bugs Fixes

### 1.7.5 — 2026-05-02

- Bugs Fixes

### 1.7.4 — 2026-03-16

Bugs Fixes and Enhancements.

### 1.7.3 — 2026-02-12

- Bugs Fixes.

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## More apps by PUNJAB AND SIND BANK

- [PSB UnIC Biz](https://appshunter.io/ios/app/psb-unic-biz/id1606960286)
- [PSB MITRA](https://appshunter.io/ios/app/psb-mitra/id6744103562)
- [PSB Kutumb](https://appshunter.io/ios/app/psb-kutumb/id6759480691)

All apps by PUNJAB AND SIND BANK: https://appshunter.io/developer/1475907222

## Related topics

[psb mobile banking](https://appshunter.io/ios/topics/psb-mobile-banking)

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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 2026-08-29.*