# U-Token — Union Bank of India UToken

> Two-factor authentication OTP generator for Union Bank of India internet banking. (iPhone/iPad app by Union Bank of India.)

- Source: https://appshunter.io/ios/app/u-token/id1546366799 (this page in markdown: same URL + `.md`)
- Developer: [Union Bank of India](https://appshunter.io/developer/1023114246)
- Category: Finance
- Price: Free
- Rating: 3.00/5 from 2 App Store ratings · 63 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.6 · 4 MB
- Languages: English
- Released: 2021-02-01
- Data updated: 2026-06-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/u-token/id1546366799/reviews.md

## What is U?

U-TOKEN: An easy-to-use Two-Factor Authentication solution for Union Bank of India Internet Banking.

U-TOKEN is an OTP generation application for authorizing login/transactions done on Union Bank of India Internet Banking portal. (Internet Connectivity is required for the application to function) .

Registration Process:

1. Login to Union Bank of India Internet Banking. Go to Personal Security Settings > U-Token > Step1 U-Token Registration & complete registration in Internet banking.

2. On successful registration, confirmation SMS will be sent to your registered mobile number. Download & install U-Token app on your mobile. Tap New User? Register Here & complete registration in app.

3. Login to Union Bank of India Internet Banking and enable U-Token services under Personal Security Settings > U-Token > Step2 Enable U-Token.

4. Now, U-Token will be the Two Factor Authentication instead of OTP for authorizing your Internet Banking transactions.

5. Users having view facility; Go to General Services > Service requests > Step1 U-Token Registration.

Download U-TOKEN now to use the hassle free OTP service independent of mobile network service providers.

Now, never miss a transaction waiting long for undelivered OTPs through SMS. Download Union Bank of India U-Token now.

(PLEASE NOTE: PRESENTLY THIS SERVICE IS AVAILABLE ONLY FOR INTERNET BANKING PORTAL)

## Key features

- Two-factor authentication
- OTP generation
- Internet banking authorization
- Hassle-free OTP service
- Independent of SMS OTPs
- Secure login and transactions

## Recent user reviews (10 of 63)

All indexed reviews: https://appshunter.io/ios/app/u-token/id1546366799/reviews.md

### 1/5 — No OTP generation

*2026-02-15, version 2.9.2*

Inspite of typing the user ID, tried multiple times but OTP is not generating. What is the use of this app if it does not work properly

### 1/5 — Crashes all the time

*2025-11-15, version 2.9.2*

Whenever i open this app for otp before showing the otp it crashes. I opened current account for my business transactions. But cant use because of this problem and had to move to other bank

### 1/5 — U token

*2025-09-07, version 2.9.0*

Not able to download on iOS hi one 14 plus . Worst app . No support

### 1/5 — Does not work

*2025-08-01, version 2.7.0*

I downloaded this to be able to get a token for some banking app work I needed. It refuses to login and this app keeps crashing and quitting.

### 1/5 — Can’t able to deregister

*2025-06-19, version 2.7.0*

Unable to use properly in every time and not able to de-register

### 1/5 — Not working

*2024-12-31, version 2.7.0*

Generates otp but the otp when entered in the portal gives an error saying please enter valid token.. and when we call the call center they will ask to branch to fix it ..pathetic service

### 1/5 — Utoken Facility Stopped By UBI

*2024-12-15, version 2.7.0*

Union Bank of India, one of the leading nationalized banks in India, has historically been known for introducing digital advancements like U-Token, which offered a secure and convenient alternative to SMS-based OTPs for banking transactions. However, the recent abrupt discontinuation of the U-Token facility without any prior notice to customers raises serious concerns about the bank’s approach to customer service and communication.

Lack of Communication and Transparency
A crucial aspect of modern banking is proactive communication with customers, especially when it involves changes to security protocols or digital services. The sudden shift back to SMS-based OTPs, without an official announcement or explanation, reflects poorly on Union Bank’s transparency. Customers relying on U-Token for secure and seamless transactions are left confused and inconvenienced.

Security Implications
U-Token was introduced as a more secure authentication method, mitigating risks associated with SMS-based OTPs, such as SIM card cloning and phishing attacks. The decision to revert to SMS OTPs raises questions about the bank’s commitment to customer security. If the feature was discontinued due to technical issues or policy changes, the bank should have communicated the reasons to instill confidence in its customers.

Customer Inconvenience
For many customers, the U-Token facility was a preferred method for transaction authentication. Its discontinuation has disrupted their banking experience, forcing them to revert to a less secure and, in some cases, unreliable system. This lack of consistency undermines trust in the bank’s digital initiatives.

No Official Declaration
In the digital age, customers expect real-time updates on service changes through emails, SMS alerts, or website notifications. The absence of any formal communication or declaration regarding the discontinuation of U-Token is unprofessional and indicative of poor customer management practices.

Recommendations for Improvement
Transparent Communication: The bank must ensure timely and transparent communication regarding changes to its services, especially those impacting customer security or convenience.
Customer-Centric Approach: Decisions affecting customer experience should be taken with adequate consideration of their needs, with alternative solutions readily available.
Public Notifications: Service changes should be communicated through multiple channels, including SMS, email, the bank’s website, and social media platforms.
Accountability: The bank must provide reasons for such changes and clarify whether they are temporary or permanent to avoid confusion and maintain trust.

Conclusion
Union Bank of India’s abrupt discontinuation of the U-Token facility highlights significant gaps in its customer service approach. As a nationalized bank with millions of customers, it bears the responsibility to uphold transparency, security, and consistency in its operations. Moving forward, the bank must prioritize customer communication and engagement to restore trust and align its services with the expectations of its digital-savvy clientele.

This incident serves as a wake-up call for the bank to refine its customer relationship management strategies and ensure that such oversights are not repeated.

### 1/5 — Worst app

*2024-12-09, version 2.7.0*

This should be kept as the top 1 in the worst apps list. It just crashes. It is not allowing to copy the 6 digit number.

### 1/5 — App is crashing

*2024-11-13, version 2.7.0*

Immediately after login app is crashing, tried multiple times but no use unable to use corporate banking

### 2/5 — Utoken not showing

*2024-11-02, version 2.7.0*

Recently tried using net banking and the app closes without showing the number. Reinstalled but still same issue

## Frequently asked questions about U

### What is U-Token?

U-Token is a two-factor authentication application designed for Union Bank of India's internet banking. It generates One-Time Passwords (OTPs) to authorize your logins and transactions on the internet banking portal, enhancing your account security.

### How do I register for U-Token?

Registration involves logging into your Union Bank of India Internet Banking, navigating to Personal Security Settings > U-Token > Step1 U-Token Registration. After completing this step online, download and install the U-Token app, then complete the registration within the app. Finally, enable U-Token services in your internet banking settings.

### Is U-Token free to use?

Yes, the U-Token application is available for free. There are no charges associated with downloading or using the app for generating OTPs for your Union Bank of India internet banking.

### What are the benefits of using U-Token over SMS OTPs?

U-Token offers a hassle-free OTP service that is independent of mobile network service providers. This means you can avoid missing transactions due to undelivered SMS OTPs, ensuring a more reliable authentication process.

### Does U-Token require an internet connection?

Yes, internet connectivity is required for the U-Token application to function. You will need an active internet connection on your mobile device to generate OTPs for authorizing your Union Bank of India internet banking activities.

## Version history (last 5 releases)

### 2.9.2 — 2025-09-25

Bug Fixes, security fixes

### 2.9.0 — 2025-08-22

bugs fixes and improvement

### 2.8.0 — 2025-08-13

Bug Fixes and Improvements

### 2.7.0 — 2024-10-08

* Bug Fixes

### 2.6.0 — 2024-09-30

* Improved accessibility and security fixes.
* Bug fixes

## Apps similar to U

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Cent m-Passbook](https://appshunter.io/ios/app/cent-m-passbook/id950604171) | 2.7 (60) | Free | Finance |
| [CentMobile](https://appshunter.io/ios/app/centmobile/id1053790727) | 2.7 (2,720) | Free | Finance |
| [InstaBIZ by ICICI Bank](https://appshunter.io/ios/app/instabiz-by-icici-bank/id731936356) | 4.7 (94,901) | Free | Finance |
| [Canara CanDigital](https://appshunter.io/ios/app/canara-candigital/id6444330531) | 1.7 (3) | Free | Finance |
| [Yono Lite SBI](https://appshunter.io/ios/app/yono-lite-sbi/id872982272) | 3.7 (1,611) | Free | Finance |
| [BOI Mobile](https://appshunter.io/ios/app/boi-mobile/id6459510340) | 2.9 (88) | Free | Finance |

## More apps by Union Bank of India

- [Union ease - Mobile Banking](https://appshunter.io/ios/app/union-ease-mobile-banking/id1446060299)
- [UnionParivaar](https://appshunter.io/ios/app/unionparivaar/id1473117748)
- [Union Prajna](https://appshunter.io/ios/app/union-prajna/id1541825599)
- [BOD Digital Meetings](https://appshunter.io/ios/app/bod-digital-meetings/id6450201967)
- [Union Bank Credit Card](https://appshunter.io/ios/app/union-bank-credit-card/id6471659226)

All apps by Union Bank of India: https://appshunter.io/developer/1023114246

## Related topics

[vyom](https://appshunter.io/ios/topics/vyom) · [vyom union bank](https://appshunter.io/ios/topics/vyom-union-bank) · [andhra bank](https://appshunter.io/ios/topics/andhra-bank) · [union bank of india](https://appshunter.io/ios/topics/union-bank-of-india) · [rbi okta](https://appshunter.io/ios/topics/rbi-okta)

---

*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 2026-06-27.*