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Surat People Co-operative Bank UPI PIN - Create & Reset

Surat People Co-operative Bank UPI (Unified Payments Interface) facility is designed to help Surat People Co-operative Bank customers easily and safely perform financial transactions on their mobile. Hence after registering for Surat People Co-operative Bank UPI you don’t have to visit the branch or ATM to perform banking transactions and can instead use your mobile and perform all types of financial transactions.


To keep your Surat People Co-operative Bank account safe and secure while performing financial transactions on your mobile, you have to create a secure banking PIN for your Surat People Co-operative Bank account. This PIN is called as the Surat People Co-operative Bank UPI PIN and it helps you easily and safely perform financial transactions from your bank account.


Surat People Co-operative Bank UPI PIN can be created online using our mobile app and you don’t have to visit the branch or ATM for generating your SPCBL UPI PIN. After downloading our app, you can instantly create your UPI PIN and then immediately start performing banking transactions.


Surat People Co-operative Bank UPI PIN allows you to perform below mentioned financial transactions on your mobile:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Mobile recharge & mobile post-paid bill payment
  4. DTH recharge
  5. Electricity bill payment
  6. Gas bill payment
  7. Credit card bill payment
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to create your Surat People Co-operative Bank UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your Surat People Co-operative Bank account
  3. Select Surat People Co-operative Bank for BHIM registration
  4. All your accounts will be registered and activated for Surat People Co-operative Bank BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from Surat People Co-operative Bank for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with Surat People Co-operative Bank and you can now use it to perform financial transactions on your mobile

After this step your SPCBL UPI registration process is over. You can then immediately start performing all your banking transactions on mobile such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

UPI PIN Features


Create Surat People Co-operative Bank UPI PIN online

UPI PIN can be created online using our mobile app. This is the biggest advantage of UPI wherein the secure banking PIN can be generated directly on your mobile without visiting the branch or ATM.

Separate UPI PIN for each Surat People Co-operative Bank account

If you have more than one account with SPCBL then you have to generate a separate UPI PIN for each account. This ensures that your Surat People Co-operative Bank BHIM PIN remain fully safe and secure and no one can transact on your behalf.

Mandatory for any financial transaction

The biggest safety feature of SPCBL UPI PIN is that it is required for each transaction. Meaning, for performing any financial transaction you have to authenticate yourself with the help of Surat People Co-operative Bank BHIM PIN. Without entering your Surat People Co-operative Bank UPI PIN no transaction can go through. This ensures your Surat People Co-operative Bank account remain 100% safe and only you perform transactions from it.

Easily regenerate UPI PIN if you forget your old PIN

If you ever forget your SPCBL UPI PIN then you can easily create a new UPI PIN using our app. You don’t have to register a new PIN request with Surat People Co-operative Bank. By using our mobile app you can directly create a new UPI PIN and start performing transactions again.

Easily change UPI PIN

If you ever want to change your SPCBL BHIM PIN for any reason, you can easily do so using our mobile app. Without going to the branch or ATM you can easily change your UPI PIN. After changing your Surat People Co-operative Bank BHIM PIN you have to use your new PIN while performing transactions.

UPI PIN Benefits

One can enjoy multiple benefits from Surat People Co-operative Bank UPI PIN service:

Time saving: As Surat People Co-operative Bank UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own Surat People Co-operative Bank BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your Surat People Co-operative Bank UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect Surat People Co-operative Bank BHIM PIN then your transactions will fail.

Multi Purpose: SPCBL UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your Surat People Co-operative Bank account.

UPI PIN security

Surat People Co-operative Bank UPI PIN service is fully secured in following ways:

  1. UPI registration for your Surat People Co-operative Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. To use SPCBL BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transaction you have to use your Surat People Co-operative Bank UPI PIN. Without this PIN, no transaction will go through
  4. You can also set up app password so that no one can even open the app without knowing your app password
  5. You can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • Surat People Co-operative Bank UPI services are available on all days, including Saturday and Sunday
  • Advantage of Surat People Co-operative Bank BHIM is that it can be used at night as well
  • As banking is extremely important in day to day life, you can use Surat People Co-operative Bank UPI facility even on bank holidays and public holidays
  • Surat People Co-operative Bank BHIM services can be availed throughout the year

UPI PIN Generation Service Eligibility

To use Surat People Co-operative Bank UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with Surat People Co-operative Bank
  • Your mobile number should be registered with Surat People Co-operative Bank
  • You should have a atm/debit card associated with your SPCBL account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Create UPI PIN Service limitations

Please keep in mind the following limitations of Surat People Co-operative Bank UPI PIN creation service:

  • It will not work if your mobile number is not registered in Surat People Co-operative Bank
  • You cannot use it if you don’t have a Surat People Co-operative Bank atm/debit card
  • Without Android or iPhone mobile phone, it will not work
  • Without internet connection, it will not work
  • One can only transfer upto Rs. 1,00,000 per day per SPCBL account under UPI facility

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