UCOPAY+ vs PNB ONE

UCO Bank, a commercial Bank and Government of India undertaking provides various customer oriented services. To facilitate customers more towards the digital Banking and cashless environment, UCO Bank launches UCOPAY+ – a digital wallet app an alternative to your physical wallet/Batua. UCOPAY+ is a semi closed digital wallet application on iOS platform to cater your financial requirement. It is electronic virtual wallet where you can load money and spend it for your Mobile recharge/ DTH recharge/various utility Bill Payments including Gas, Electricity, Insurance, Mutual Funds, etc., sending money to your near & dear ones. It contains various features like adding money from your net banking/debit card/credit card, getting money from your pals, paying money to your pal’s wallet/UCO Bank account/Other bank account. It provides facility of QR Code scanning of merchants and doing quick payment. You can check all transaction statement and send it to your Email-IDs. How to Register:- • Download the app “ UCOPAY” from iTunes App Store. • Register in “UCOPAY” by entering your mobile number and creating your profile. • Load money into your wallet (through your net banking, debit card, Credit card, by asking from your Pal and by your Bank account). • Use the wallet money for your day to day expenses like bill payment, mobile/DTH recharge, online shopping etc. • Transfer money from wallet to UCO Bank account. • If you are a merchant, create your own QR code and receive the money by displaying the QR code to the customer. • Customer can pay the bill by scanning the QR code without any pain/complexity like writing account number/IFSC/Name etc. • Any complaints need to be forwarded to uco.mbanking@ucobank.co.in; uco.custcare@ucobank.co.in, 033-44559084/9059/9459/9460/9039. All you need to access the wallet is: • iOS phone • Access to Internet which can be via Wi-Fi or your mobile internet

PNB ONE is an amalgamation of various banking processes being delivered through single platform. This is an all in one application which allows you to transfer funds, view account statement, invest in term deposits, manage debit card & credit card and many other exclusive services at your fingertips.   Services Available / Features of PNB ONE a) Interactive Interface (i) Redesigned dashboard with more features available on the dashboard (ii) Access all the accounts on the dashboard itself. b) Accounts (i) All accounts will be displayed in illustrative manner. ( Savings, Deposits, Loan, Overdraft, Current) (ii) Detailed view of account statement (iii) Check Balances c) Transfer Funds: (i) Regular Transfers - “Self” (for own accounts), “Within” (for PNB accounts) & “Other” (for non-pnb accounts) will be there.NEFT/IMPS/UPI for Interbank fund transfers.   (ii) Instant Transfers (without adding beneficiary) - IMPS using MMID and Quick Transfer without adding beneficiary. (iii) Indo- Nepal Remittance   d) Invest funds (i) Open a term deposit account (ii) Mutual Funds (iii) Insurance e) Transactions (i) My transactions will display all the recent transactions (ii) My Favorite Payee will show list of recent payees (iii) Schedule a transaction (iv) Recurring transactions   f) Safe and secure (i) Sign in much faster and simpler with your fingerprint (ii) 2 factor authentication (iii) Encryption g) Manage Debit Card (i) Apply for a new card (ii) Update limits of ATM withdrawal, POS/ Ecomm transaction (iii) Hotlist debit card h) Manage Credit Card (i) Link/De link Credit Card (ii) Auto Payment Registration (iii) Auto Payment De-Registration (iv) Change card limit (v) Statement on e-mail (vi) Damaged card replacement i) Unified Payment Interface (UPI) (i) Send/ Collect money through UPI (ii) Transaction History (iii) Complaint Management (iv) User Deregistration j) Scan & Pay (BHARAT QR): (i) Make Payment by scanning QR directly. (ii) Link your cards once and make the payment directly from the account. k) Pay Bills/Recharge: (i) Register your biller pertaining to Mutual find, Insurance, Telecom, Electricity, DTH, credit card etc. (ii) Pay bills directly to your registered biller. l) Languages: Available in English and Hindi m)  Cheques (i) Inquire Cheque Status (ii) Stop Cheque (iii) Request for Cheque book (iv) View Cheque n)   M-Passbook (i) View account statement of account (ii) Download account statement in PDF for offline purposes. o)    Favourites p)    Value Added Services (i) PAN/ Aadhar Registration (ii) E-mail ID Updation (iii) E statement registration (iv) E-statement de registration (v) MMID( used for IMPS) (vi) Last 10 SMS q)    Complaint Service Management (i) Raise a complaint/ Service Request (ii) Track your request (iii) Request history