Ever been out and about, needing to know your account balance at Union Bank of India (UBI)? Fret not! UBI offers several convenient ways to check your balance, so you’re never left guessing. This guide explores all the methods available, ensuring you have the right tool for every situation.
1. The Quick and Easy: Missed Call and SMS Banking
For those moments when you just need a quick peek at your balance, UBI’s missed call and SMS banking services come to the rescue. Here’s how they work:
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Missed Call Banking: This is perhaps the simplest method. Dial 09223008586 from your mobile number registered with UBI. Don’t worry about completing the call – just let it ring and disconnect automatically. Within a few minutes, you’ll receive an SMS with your account balance.
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SMS Banking: If you prefer the text route, send an SMS with the text “UBAL” (all caps) to 09223008486. Similar to the missed call service, you’ll get an SMS response containing your current balance.
Important Points to Remember:
- Both missed call and SMS banking services are only applicable to your primary account.
- These services incur a charge of Rs. 15 per quarter.
Pros:
- Extremely convenient and quick, especially for on-the-go balance checks.
- No internet connection required.
Cons:
- Limited information – you only receive the balance amount, not a mini-statement.
- May incur charges with frequent usage.
2. UBI Net Banking: A Comprehensive View
For a more detailed look at your finances, UBI net banking is the way to go. Here’s how to access it:
- Visit the official UBI website (https://www.unionbankofindia.co.in/english/home.aspx).
- Click on “Personal Login” and enter your Customer ID and password.
- Once logged in, navigate to the “My Accounts” section and select the desired account.
- You’ll see a detailed overview of your account, including current balance, recent transactions, and mini-statements.
Getting Started with UBI Net Banking:
If you haven’t already, you’ll need to register for net banking services. This can be done either by visiting your UBI branch or by activating it online using your debit card details.
Pros:
- Provides a comprehensive view of your account activity.
- Allows you to perform various transactions like fund transfers, bill payments, and recharges.
- Secure and convenient way to manage your finances from anywhere with an internet connection.
Cons:
- Requires internet access and login credentials.
- Might seem less convenient compared to missed call or SMS banking for a quick balance check.
3. UBI Mobile Banking App: Banking at Your Fingertips
UBI offers a mobile banking app that brings all the functionalities of net banking to your smartphone. Here’s how to use it:
- Download and install the “Union Bank Mobile Banking” app from the Google Play Store or App Store.
- Register for mobile banking using your UBI account details.
- Once logged in, you’ll see your account balance and recent transactions on the app’s home screen.
Pros:
- Offers all the benefits of net banking in a convenient mobile app format.
- Enables you to manage your finances on the go, anytime, anywhere.
- Provides additional features like mobile recharges, bill payments, and QR code payments.
Cons:
- Requires downloading and installing the app.
- Needs an internet connection to function.
4. UPI Apps: Balancing Convenience with Speed
Unified Payments Interface (UPI) has revolutionized digital payments in India. You can link your UBI account to various UPI apps like BHIM, PhonePe, Google Pay, or Paytm. Here’s how to check your balance using UPI:
- Open your preferred UPI app and log in with your credentials.
- Locate the option for “Balance Inquiry” or “Account Balance.” This might vary depending on the app.
- Select your UBI account linked to the app.
- You’ll see your current account balance displayed within the app.
Pros:
- Incredibly convenient and allows balance checks within the same app you use for everyday transactions.
- Secure and reliable way to manage your finances.
Cons:
- Requires a smartphone and internet connection.
- Functionality might differ slightly between different UPI apps.
Choosing the Right Method:
The best method for checking your UBI balance depends on your needs and situation. Here’s a quick guide
