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UCO Bank UPI PIN - Create & Reset

UCO Bank UPI (Unified Payments Interface) facility provides an easy and quick way to access your UCO Bank account on your mobile and perform transactions from it. But in order to perform any financial transaction you need to create UCO Bank UPI PIN for your account. This is a secure PIN which helps you safely perform transactions from your UCO Bank account.


UCO Bank UPI PIN can be created online and you don’t have to visit the branch or ATM for generating it. To create UPI PIN all you need is a debit or ATM card which is linked to your bank account. You can download our mobile app and then quickly create your UCO UPI PIN and start performing transactions from your bank account.


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

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How to create your UCO Bank UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your UCO Bank account
  3. Select UCO Bank for BHIM registration
  4. All your accounts will be registered and activated for UCO 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 UCO 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 UCO Bank and you can now use it to perform financial transactions on your mobile

After this step your UCO 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 UCO Bank UPI PIN online

Without visiting the branch or ATM, you can create your own UPI PIN using our mobile app. This feature enables you to create your own PIN on your own mobile, making it completely flexible and secure.

Separate UPI PIN for each UCO Bank account

For customers who have multiple accounts with UCO, they have to create separate UPI PIN for each account. As each account will have a separate PIN, you can be 100% assured about the safety of your account and can easily perform financial transactions using your UCO Bank BHIM PIN.

Mandatory for any financial transaction

Most important safety feature of UCO UPI is the use of UPI PIN during each transaction. This ensures that you have to use your secret banking PIN during each transaction and your transactions will go through only if you enter correct UPI PIN for every transaction. This ensures that your UCO Bank account remains 100% safe and secure and no unauthorized personnel can transact on your behalf.

Easily recreate UPI PIN if you forget your old PIN

Sometimes you may forget your UCO UPI PIN and may want to generate a new UCO Bank BHIM PIN. For such cases, you can easily create a new UPI PIN using our app. You don’t have to visit the branch or ATM and can instead create a new UPI PIN directly on your mobile.

Easily change UPI PIN

Due to some reason if you want to change your UCO Bank BHIM PIN then you can use our mobile app for instantly changing your UCO UPI PIN. Your new PIN will be immediately registered in your UCO Bank account and you can use it for performing financial transactions.

Benefits of UPI PIN

Following are the benefits of using UCO Bank UPI PIN service:

Saving Time: You can save a lot of time by generating UCO Bank UPI PIN on mobile using our app instead of visiting the branch or ATM. This helps you quickly create your own UPI PIN on your mobile and then you can instantly start performing transactions using UPI.

Security: All UCO Bank UPI transactions are 100% secure due to linking of your account on your mobile number and your UCO UPI PIN. Transactions become successful only if you enter your correct UPI PIN. If you enter incorrect UCO Bank BHIM PIN then your transactions will fail.

Multi Purpose: UCO 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 UCO Bank account.

Security of UPI PIN

100% security for UCO Bank UPI PIN service is ensured in the following ways:

  1. UPI registration for your UCO Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. Before using UCO BHIM services, you must create a new secure UPI PIN using your debit card
  3. While performing transactions on your mobile you have to use your UCO Bank UPI PIN. No transaction will go through without this secure UPI PIN
  4. App password can be created so that no one can even open the app without knowing your app password
  5. PIN or pattern lock can be created for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • UCO Bank UPI services are available on all days, including Saturday and Sunday
  • Advantage of UCO 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 UCO Bank UPI facility even on bank holidays and public holidays
  • UCO Bank BHIM services can be availed throughout the year

UPI PIN Generation Service Eligibility

To use UCO Bank UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with UCO Bank
  • Your mobile number should be registered with UCO Bank
  • You should have a atm/debit card associated with your UCO 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

Following are the limitations of UCO Bank Create UPI PIN service:

  • It will only work if your mobile number is registered with UCO Bank
  • It will not work without an active UCO Bank atm/debit card
  • It will not work without Android or iPhone mobile phone
  • It will not work without internet connection
  • You can only transfer upto Rs. 1,00,000 per day per UCO account under UPI facility

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