UCO Bank Debit Card

RuPay Platinum International Debit Card (Personalised)

This debit card can be used internationally and is name embossed, non-photo-based debit card. This card is accepted globally and offers exclusive rewards on point-of-sales transactions. Moreover, the card holder gets personal accident and permanent disability insurance coverage of up to Rs.2 lakh with this card.

RuPay NCMC Debit Card

This is a contactless debit card and can be availed instantly from BCO bank branches. The card also offers personal accident insurance coverage of up to Rs.1 lakh along with exclusive offers on point-of-sales transactions.

VISA Non-Personalised Debit Card

This is a globally accepted non-personalised debit card. The card holder gets special VISA offers on point-of-sales transactions.

VISA Personalised Debit Card

This card offered by VISA has name embossed on the card and can be issued with or without photo. This card is accepted globally and offers exclusive rewards on point-of-sales transactions. The card holder also gets global customer assistance.

UCO Bank RuPay PaySecure

 UCO Bank RuPay PaySecure is a service provided by the National Payments Corporation of India (NPCI) to authenticate RuPay debit card payments.

Features of UCO Bank Debit Card

The features of UCO Bank debit card are discussed in detail below:

1. Exclusive Discounts and Offers:
   1. Customers using UCO Bank debit cards can avail themselves of exclusive discounts and special offers when dining or shopping, enhancing their overall shopping experience by providing additional savings.

1. Global Usability:
   1. UCO Bank debit cards can be used at over 30 million merchant establishments worldwide, offering customers the flexibility to use their cards for international transactions, whether for travel or online shopping.

1. Higher Daily Withdrawal and Purchase Limits:
   1. UCO Bank debit cards come with significantly higher daily withdrawal and purchase limits compared to many other banks, allowing customers to access more funds when needed for larger transactions.

1. Minor Accounts with Parental Consent:
   1. UCO Bank offers debit cards for minor account holders with parental or guardian consent, encouraging financial literacy among younger customers while ensuring parental oversight.

1. RuPay Debit Cards for PMJDY Accounts:
   1. UCO Bank provides RuPay debit cards to customers holding accounts under the Pradhan Mantri Jan Dhan Yojana (PMJDY), supporting the government's goal of financial inclusion by offering easy access to banking services for all, especially in rural areas.

1. Secure Online Shopping:
   1. The Verified by Visa feature adds an extra layer of security for online transactions, protecting customers against fraud and unauthorized use to ensure a secure and trustworthy online shopping experience.

1. Special Rates for Ticket Bookings:
   1. UCO Bank debit cardholders enjoy special rates and discounts when booking rail tickets, air tickets, and movie tickets, making it more economical for customers to manage their travel and entertainment expenses.

1. Tailored Debit Cards for Farmers:
   1. UCO Bank has designed special debit cards specifically for farmers, including Kisan Credit Cards (KCC) and Pungrain cards, catering to the unique financial needs of the agricultural community by providing convenient access to funds.

1. Wide Acceptance Across India:
   1. These debit cards are widely accepted at over 500,000 merchant establishments and POS terminals across India, ensuring that customers can conveniently make purchases at a variety of retail outlets, restaurants, and service providers.

Benefits of holding UCO Bank Debit Cards

1. These cards are accepted/ can be used at over 5 lakh outlets in the country, and at more than 30 million shopping outlets in the world.
2. Each debit card has a separate daily limits for cash withdrawals and POS/E-Commerce transactions.
3. Some of the cards can be used internationally as well.
4. The cards offer enhanced security on each financial transaction made, whether it is online or offline.

Fees and Charges UCO Bank Debit Card

International Usage:

1. Cash Withdrawal through VISA Networked ATMs: Rs.110 plus 2% of currency conversion charges per transaction

1. Balance Enquiry through VISA Networked ATMs: Rs.30

Issuance of New ATM Card/PIN/Add-On:

1. Free for Visa and RuPay cards

1. Rs.105 for Visa Gold

1. Rs.130 for Visa Platinum

1. Rs.155 for Visa Signature

Limit on ATM Transactions - Financial & Non-Financial:

1. UCO Bank ATM: Up to 5 transactions free

1. Other ATMs: Up to 5 transactions free

Point of Sale (POS) Transactions at Fuel Pumps and Railway Reservation Counters: 2.5% of transaction value plus service tax

Transaction Charges Beyond Free Limit for Financial Transactions:

1. UCO Bank ATM: Rs.5 for Savings Account (SB) and Rs.21 for Current Account

1. Other ATMs: Rs.21 for both SB & Current Accounts

Transaction Charges Beyond Free Limit for Non-Financial Transactions:

1. UCO Bank ATM: Rs.5 for SB and Rs.8 for Current Account

1. Other ATMs: Rs.8 for both SB and Current Accounts

How to Block UCO Bank Debit Card?

You can block your UCO Bank debit card online, calling customer service, SMS, visiting branch, or through mobile banking app.

UCO Bank Debit Card Block Through Email

You can block your UCO Bank debit card by sending an email to the official email ID of the bank. All you have to do is to provide information about your account number and debit card. Write an email request the customer support team of UCO Bank and send it to uco.custcare@ucobank.co.in.

UCO Bank Debit Card Block Through Customer Support

UCO Bank Debit Card can also be blocked by calling the customer support team of the bank. The representative will help you in blocking your card. However, you need to keep in mind that all your transactions will be halted after you have disabled your card. The toll free number of the UCO Bank 24/7 customer support team is 1800 103 0123.

UCO Bank Debit Card Block Through SMS

Another way to block your UCO Bank Debit Card is by sending an SMS. In order to block your UCO Bank debit card, you have to send an SMS by typing HOTspace > xxxx and send it to 9230192301. The XXXX denotes the last four-digit number of your debit card.

UCO Bank Debit Card Block by Visiting Branch

You can also block your UCO Bank debit card by visiting your nearest UCO Bank branch. One of the bank officials will help you to block your debit card.

UCO Bank Debit Card Block through Mobile Banking

The following are the steps to block your UCO Bank debit card through mobile banking:

1. Firstly, install your mBanking app from Google Play or App Store.
2. Login using your net banking credentials.

1. Choose the list of the debit cards.
2. Select the card that you want to block and click on ‘Submit’ button.
3. You will receive an One Time Password (OTP) at your registered mobile number.
4. Enter the OTP and click on ‘Confirm’.

How to Apply for UCO Bank Debit Card?

You can apply for UCO Bank Debit Card both online as well as offline.

How to Apply for UCO Bank Debit Card Online

Customers can apply for a new UCO Bank debit card online through mobile banking or net banking.

How to Apply for UCO Bank Debit Card via Mobile Banking

Now let us have a look at the steps to apply for a UCO Bank debit card through mobile banking:

1. Firstly, login to the UCO Mobile Banking app using your credentials.
2. After login, click on the ‘Manage Cards’ situated at the bottom right of the page.
3. Now, click on the ‘Physical Debit Card Request’ option.
4. Choose your bank account number, current debit card, card type, and confirm your name and delivery address.
5. Confirm your request and click on ‘Submit’ button.

1. The card will be delivered to your delivery address within ten working days.

How to Apply for UCO Bank Debit Card via Net Banking

The following are the steps to apply for UCO Bank debit card through net banking:

1. Login to the UCO Bank’s net banking portal using your credentials.
2. Go to the ‘General Services’, select ‘Requests’, and click on ‘New Request’.

1. Next, click on the ‘Apply for a Debit Card’ link.
2. You will be redirected to a new page.
3. Choose your card type, current active debit card, and confirm your registered address.
4. Finally, click on the ‘Submit’ button.

How to Apply for UCO Bank Debit Card via Offline

The following are the steps to apply for a UCO Bank debit card offline:

1. Visit your home branch of UCO Bank.
2. Submit the duly filled debit card application form along with the required documents.
3. The bank will verify your documents and will send the card to your registered address within ten working days.

How to Generate UCO Bank Debit Card PIN?

UCO Bank debit card PIN can be generated online, through SMS, and in ATM. Let us have a look at all the method on a step by step basis.

UCO Bank Debit Card PIN Generation Online

1. Firstly, you need to login to UCO Bank Mobile banking app.
2. Go to the ‘Manage Cards’ button and select the ‘Green PIN Generation’ option.
3. Next, enter your bank account number and click on ‘Continue’.

1. You will be able to view the current active debit card.
2. Seelect the ‘Generate Green PIN’ option.
3. Enter your 16-digit UCO Bank debit card number, card expiry date, and a new PIN.

UCO Bank Debit Card PIN Generation through SMS

1. Send an SMS from your registered mobile number in the format PIN ABCD JKLM.

1. Here, ABCD denotes the last four digit of the UCO Bank debit card, and JKLM stands form the last four digits of UCO Bank account number.
2. Once you send the SMS, you will receive and OTP at your registered mobile number. The OTP is valid for two days and within this period, you have to generate the new debit card PIN  by visiting your nearest UCO Bank ATM.

UCO Bank Debit Card PIN Generation through the ATM

1. Visit the nearest UCO Bank ATM.
2. Insert your UCO Bank debit card and choose your preferred language.

1. Next, select the Green PIN option.
2. You will be getting two options: Generate OTP and Validate OTP.
3. Next, select the ‘Generate OTP’ option.
4. Enter your UCO Bank account number.
5. You will receive a notification in the screen that the transaction has been processed successfully.

1. Also, you will get an OTP at your registered mobile number which you should use to generate the Green PIN.
2. Insert your UCO Bank debit card at the ATM card slot at the UCO Bank ATM.
3. Choose the ‘Green PIN’ option.
4. Choose the ‘Validate OTP’ option.
5. Enter your bank account number and OTP and click on the ‘Press If Correct’ button.

1. You will get a notification that the transaction has been processed.
2. Now, enter a four digit debit card PIN of your choice and re-enter the new PIN to finish the steps.

How to Activate UCO Bank Debit Card?

The following are the steps to activate UCO Bank debit card:

1. Open the UCO Bank Mobile Banking app and login using your credentials.

1. Go to the ‘Manage Cards’ options.
2. Choose your account number and enter your debit card number, expiry month, and year.
3. Once you have submitted the details of the card, your card will be activated.

UCO Bank Debit Card offers

1. Customers are provided with a host of offers and benefits of shopping, dining and more.

1. Visa offers multiple discounts when their shopping, dining and entertainment expenses are charged to their Visa verified debit cards, issued by UCO Bank.

GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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