# UCB One > Mobile banking app for account management, fund transfers, bill payments, and card services. (iPhone/iPad app by United Commercial Bank Limited.) - Source: https://appshunter.io/ios/app/ucb-one/id1424329574 (this page in markdown: same URL + `.md`) - Developer: [United Commercial Bank Limited](https://appshunter.io/developer/910995191) - Category: Finance - Price: Free - Rating: 3.55/5 from 365 App Store ratings · 173 written reviews indexed - Age rating: 17+ - Requires: iOS 16.0 · 96 MB - Languages: Bangla, English - Released: 2018-11-23 - Data updated: 2026-08-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ucb-one/id1424329574/reviews.md ## What is UCB One? About UCB One UCB One is the official digital banking app of United Commercial Bank PLC, designed for secure and convenient banking. Open accounts, manage finances, and perform transactions anytime, anywhere. Account Opening Open a bank account directly through the app using your NID, without visiting a branch. Subject to regulatory requirements and verification. Banking Services •⁠ ⁠View and manage accounts, cards, and transactions •⁠ ⁠Transfer funds to UCB and other banks (EFTN/NPSB/RTGS) •⁠ ⁠Send money to MFS wallets (bKash, Nagad, Rocket, upay) •⁠ ⁠Pay bills, mobile top-ups, and schedule payments •⁠ ⁠Download statements and access banking services Tools & Convenience •⁠ ⁠Personal finance tools and EMI calculator •⁠ ⁠Cash by Code for secure cardless ATM withdrawal •⁠ ⁠ATM and branch locator Security •⁠ ⁠Multi-layer authentication and OTP verification •⁠ ⁠Real-time alerts and notifications •⁠ ⁠Secure protection of customer data and transactions Disclaimer Services are subject to applicable regulations, transaction limits, and system availability. ## Key features - Account dashboard - Fund transfers (own, UCB, other banks) - Credit card management and payments - Bill payments and mobile recharge - Service requests - Activity log and credential settings - Card and cheque management ## What do users think of UCB One? Overall sentiment: negative **Pros** - 👍 User-friendly - 🚀 Good functionality - 🔒 Secure banking **Cons** - 🐛 Crashes and bugs - 🕰️ Slow performance - 📱 Poor UI/UX design - 🔑 Lack of biometric login - 🔄 Frequent login issues **Commonly reported bugs** - Inability to add beneficiaries - Credit card payment feature not working - Dashboard and card details crashing - Frequent server connection issues **Most requested features** - Add biometric login (Face ID, Touch ID) - Improve UI/UX design - Enhance transaction history and statements - Add support for international transactions - Implement DPS/FDR management features ## Recent user reviews (10 of 173) All indexed reviews: https://appshunter.io/ios/app/ucb-one/id1424329574/reviews.md ### 1/5 — Otp not come during transfer *2026-07-09, version 3.0.4* Faltu apps. Otp ashena. baje ### 2/5 — Disgusting *2026-06-26, version 3.0.3* I have never used this kind of useless app ever in my life. With so many bugs emergency transactions are now impossible. Trying buying app from third party instead of building by yourself. ### 2/5 — Add EMI Details *2026-06-15, version 3.0.3* Please Add EMI details on your app, it’s very helpful for us ### 5/5 — Best Banking App *2026-06-07, version 3.0.3* Amazing and great feature are available for ucb one app user! I love this feature ### 5/5 — গ্রাহক সেবা। *2026-06-02, version 3.0.3* আমি মোঃ মেহেদী হাসান ( কমার্শিয়াল অফিসার ) আদর্শ গ্রুপ। দেশের যত গুলো ব্যাংক আছে , তার মদ্ধে UCB ব্যাংক এর সেবা, সার্ভিস, তাদের ডুয়াল কারেন্সি রেট সব সেরা 🥰 ### 3/5 — FDR Auto Renewal *2026-05-24, version 3.0.3* The app needs major improvement in FD management. The FDR auto renewal option is set to “YES” by default, and there is no option in the iOS app to turn it off. Users should have full control over whether they want to renew their FD or not. Another big issue is that the FD closing option is completely missing from the app. Basic features like disabling auto renewal and closing an FD should be easily accessible in mobile banking apps. Very disappointing experience on iOS due to the lack of these essential features. ### 1/5 — The worst banking app *2026-05-20, version 3.0.3* Rather previous app was better. This is the worst app I use. ### 5/5 — iOS version Loan facility not found *2026-05-16, version 3.0.3* Why UCB one not provide E loan for ios users. This is very insulting for iphone users. ### 5/5 — The best banking app *2026-05-10, version 3.0.3* The best banking app ### 1/5 — Very bad experience *2026-05-09, version 3.0.3* Faltu app ## Frequently asked questions about UCB One ### What can I do with this banking app? This app allows you to access your CASA, Term Deposit, Loan, Credit Card, and Overdraft accounts. You can perform fund transfers to your own accounts, within UCB, and to other banks via EFTN, NPSB, and RTGS. It also facilitates credit card bill payments, mobile recharges, and various service requests. ### Is this app free to use? Yes, the application is available for free. There are no upfront costs to download or use the core features of the app. ### What types of fund transfers are supported? The app supports transfers to your own accounts, within UCB accounts, and to other banks using EFTN, NPSB, and RTGS. You can also schedule payments and view your fund transfer history. ### How can I manage my credit card and cheques through the app? You can view your UCB credit card details, pay your credit card bills, and review transaction history. The app also allows you to request cheque books, check cheque book status, and block cheque leaves if needed. ### What security features are available? The app offers credential settings for PIN, password, and biometric authentication, enhancing the security of your account access. It also includes an activity log to track your actions within the app. ## Version history (last 5 releases) ### 3.0.4 — 2026-07-05 + Performance improvements and bug fixes. + Easier account recovery with Email & SMS OTP. + Faster and simpler onboarding. + Smoother payments and transactions. + Simpler FD/DPS account opening. + Enhanced Credit Card payment support. + Stay informed with important notices after login. ### 3.0.3 — 2026-05-07 •⁠ ⁠Improved user journey for a smoother and more intuitive experience •⁠ ⁠Minor bug fixes and performance enhancements for better stability ### 3.0.2 — 2026-04-24 •⁠ ⁠Improved user journey for a smoother and more intuitive experience •⁠ ⁠Minor bug fixes and performance enhancements for better stability ### 3.0.1 — 2026-04-17 •⁠ ⁠Improved user journey for a smoother and more intuitive experience •⁠ ⁠Minor bug fixes and performance enhancements for better stability ### 2.4.10 — 2025-12-02 Enhancement ## Apps similar to UCB One | App | Rating | Price | Category | | --- | --- | --- | --- | | [upay: Finance and Payments](https://appshunter.io/ios/app/upay-finance-and-payments/id1576179329) | 3.5 (186) | Free | Finance | | [SC Mobile Bangladesh](https://appshunter.io/ios/app/sc-mobile-bangladesh/id1212168033) | 2.6 (314) | Free | Finance | | [DBBL Rocket](https://appshunter.io/ios/app/dbbl-rocket/id1194003397) | 3.2 (676) | Free | Finance | | [NexusPay](https://appshunter.io/ios/app/nexuspay/id1309057095) | 3.1 (1,055) | Free | Finance | | [Citytouch](https://appshunter.io/ios/app/citytouch/id645463050) | 4.2 (1,853) | Free | Finance | | [BRAC Bank Astha](https://appshunter.io/ios/app/brac-bank-astha/id1525525061) | 4.1 (922) | Free | Finance | ## More apps by United Commercial Bank Limited - [Unet Enterprise Banking](https://appshunter.io/ios/app/unet-enterprise-banking/id1542753575) - [UClick](https://appshunter.io/ios/app/uclick/id1565164034) All apps by United Commercial Bank Limited: https://appshunter.io/developer/910995191 ## Related topics [ucb bank](https://appshunter.io/ios/topics/ucb-bank) · [ucb unet](https://appshunter.io/ios/topics/ucb-unet) · [unet](https://appshunter.io/ios/topics/unet) · [ucb](https://appshunter.io/ios/topics/ucb) · [ucb one](https://appshunter.io/ios/topics/ucb-one) · [ucb banks](https://appshunter.io/ios/topics/ucb-banks) · [unet enterprise banking](https://appshunter.io/ios/topics/unet-enterprise-banking) · [ucb banking](https://appshunter.io/ios/topics/ucb-banking) · [ebl skybanking](https://appshunter.io/ios/topics/ebl-skybanking) · [ucb mobile](https://appshunter.io/ios/topics/ucb-mobile) · [rcbc one corporate](https://appshunter.io/ios/topics/rcbc-one-corporate) --- *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 2026-08-22.*