# U-Token — user reviews > 63 indexed App Store user reviews of U by Union Bank of India, rated 3.00/5 from 2 ratings. - Source: https://appshunter.io/ios/app/u-token/id1546366799/reviews - App overview in markdown: https://appshunter.io/ios/app/u-token/id1546366799.md - Rating breakdown: 5★ 1 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 1 ## Newest reviews (14 of 63) ### 1/5 — New version is crashing *2024-10-01, version 2.6.0* Last night the new version was uploaded , after update the app crashes on launch ### 1/5 — Worst app *2024-10-01, version 2.6.0* Not working at all after the recent update. Just crashes whenever you try to open it. No other way to do transactions as they have no option of otp. They should arrange alternatives for this ### 1/5 — Not working *2024-09-30, version 2.6.0* From last few days app is not working. ### 1/5 — IOS 18 App not working *2024-09-30, version 2.5.0* The app has stopped working after IOS18 upgrade, getting error please update via App Store but there is no update available. ### 1/5 — Not working *2024-09-23, version 2.5.0* App not working. Crashing on itself before even getting launched. For more than a week, company’s transactions are very very difficult. Please take this is as a serious concern. ### 1/5 — U token App Crash *2024-09-18, version 2.5.0* This app crashes a lot. I am unable to transfer any money because of it. It feels very outdated as its only work is to generate an OTP kind of a unique number and this app is also crashing. Very Disappointing. ### 1/5 — App not working, can’t do transactions *2024-09-16, version 2.5.0* Today 16 Sep app asked me update the application, I updated. Now filling all information user , mPin and when click then just within a second app by self closed. Again trying again same problem. Pls fix asap ### 1/5 — APP not working *2024-09-15, version 2.5.0* App is not working properly since last three days... Our transaction is completely stopped, please resolve this issue otherwise we have to transfer our bank account to a good bank. ### 1/5 — App Crashing *2024-09-14, version 2.5.0* After software update, app is crashing itself after entering mpin. ### 1/5 — U Token problem *2024-09-11, version 2.5.0* Just updated the app as it was not working but the new app closes automatically after filling M-PIN. How to use the app. My net banking is non functional due to this ### 1/5 — Rubbish App same like Vyom ! *2024-06-26, version 2.3.0* Stopped working, when I need it urgently. Useless and rubbish app just like Vyom 😖 ### 1/5 — Not working when required *2024-05-25, version 2.3.0* Very bad, it won’t work when we urgently required. ### 1/5 — Unauthorised Transactions by Hacker *2024-05-19, version 2.3.0* Most of UBI customers are not aware of this system. It cuts off your OTP and gives complete access to the hacker. If you’re not aware of, I have lost around 40+ lakh rupees, because of you token, had I known about the system, I would have transferred my amount to some other account. ### 1/5 — Very disappointed *2024-05-15, version 2.3.0* It’s not working worst experience ## Most critical reviews (10 lowest-rated) ### 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 ### 1/5 — App crashes *2024-10-06, version 2.6.0* App doesn’t not open ## Most praised reviews (10 highest-rated) ### 5/5 — U token app *2024-09-30, version 2.5.0* Horrible app .. Always fails .. fed up off this bank and its network.. I haven’t seen such bad service in banking and recommend everyone not to go union bank ### 5/5 — Please fix bugs at the earliest *2023-07-18, version 2.1.0* Fix the bugs after updating the app it generates only three unique codes try to fix it Thank you ### 5/5 — Nithin Mangalore *2021-02-20, version 1.0.0* Working good ### 3/5 — I Token on IOS 15.x *2024-09-30, version 2.5.0* Using it for almost two years. Works well but when it asks to upgrade and after upgrade it doesn’t work. I need to delete the app and reload and keep fingers cross till it works. But now for 15 days the pp closes immediately after generating token showing ****** for a fraction of second. As a result not able to use Net Banking. Pls look into it and resolve. Thanks ### 3/5 — Updated app is crashing on ios15 *2024-09-11, version 2.5.0* Updated the app but after updating it is crashing. ### 3/5 — App not working, can’t do transactions *2024-09-10, version 2.5.0* Today 10 Sep app asked me update the application, I updated. Now filling all information user , mPin and when click then just within a second app by self closed. Again trying again same problem. Pls fix asap ### 3/5 — Needed an update *2023-03-31, version 2.0.0* This app is updated 9 months ago. It needs an update. Known Issue: not aks for faceid / fingerprint while launching on the very first time of app. We have to enter credentials to login. Immediate after second time launching it prompts for faceid. ### 3/5 — Not ae to use app on Iphone 13 pro *2022-05-12, version 1.0.0* This app is not releasing u token as it says it cannot work with face id feature. Pls resolve this issue asap i am unable to do transactions ### 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 ### 2/5 — UToken app not working and asking to update certificate *2024-09-08, version 2.3.0* This app is not working for last 2-3 days. No answer after filling all data incl passwords. Pl resolve as all accounting activities are paused. Pl act on urgent basis --- *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.*