UBI ATM Customer Care Number: Expert Guide for Quick Resolution

If you’re searching for the “UBI ATM customer care number,” you likely mean one of two banks in India: Union Bank of India (UBI) or the erstwhile United Bank of India (which merged into Punjab National Bank in 2020). Below you’ll find the correct toll-free numbers, when to use them, what details to keep handy, and how to escalate if needed. This guide focuses on resolving ATM/debit-card issues fast, with practical steps and current regulatory timelines you can rely on.

Which “UBI” do you mean? Union Bank of India vs. United Bank of India (now PNB)

Union Bank of India (website: unionbankofindia.co.in) is an active public-sector bank that amalgamated Andhra Bank and Corporation Bank in 2020. If your debit card, passbook, app, or account mentions “Union Bank of India,” use the Union Bank of India helplines listed below.

United Bank of India ceased to exist as a separate entity after 1 April 2020, having merged with Punjab National Bank (PNB). If your card or chequebook says “United Bank of India,” your servicing bank is now PNB (website: pnbindia.in). For ATM or debit-card issues on these legacy United Bank accounts, contact PNB’s customer care numbers below.

Fast contacts for ATM and debit-card issues

Use the primary toll-free helplines first. They are 24×7 IVR with options for card hotlisting, transaction disputes, and general support. Keep your account number or last four digits of your card ready.

• Union Bank of India (UBI) 24×7 toll-free customer care: 1800 208 2244 and 1800 22 2244 (official site: unionbankofindia.co.in)
• PNB (for ex–United Bank of India customers) 24×7 toll-free: 1800 180 2222 and 1800 103 2222 (official site: pnbindia.in)
• Emergency fraud reporting (India, cyber-financial fraud helpline): 1930 (immediately call if money is moving out due to suspected fraud)

These numbers are widely published by the respective banks for retail customer support, including debit card hotlisting and ATM dispute logging. If you are calling from abroad or cannot access the toll-free lines, use the “Contact Us” section on the bank’s website to find the most current chargeable numbers and regional contacts.

When to call and what to keep handy

Call immediately if your card is lost/stolen, you see an unauthorized ATM withdrawal, or you tried to withdraw but cash didn’t dispense and your account was debited. Fast hotlisting and dispute logging improves the chance of recovery and minimizes liability. For failed ATM cash withdrawals, you can typically lodge a complaint even if the ATM belonged to another bank.

Have these details ready: your full name as per bank records, last four digits of your debit card, account number, ATM location and ID (usually printed on the ATM screen or receipt), date/time of the transaction, amount attempted, and any on-screen error code or transaction reference number. Note down the complaint/service request number the agent provides—this is essential for tracking.

Typical ATM problems and resolution timelines (as per RBI rules)

For “cash not dispensed but account debited” ATM transactions, the Reserve Bank of India (RBI) has standardized turnaround times. The current norm is that banks must reverse the debit within T+5 working days (T is the transaction date). If the bank delays beyond this, you are entitled to compensation of Rs 100 per day of delay beyond T+5, automatically credited to your account, until the refund date.

This T+5 working-day timeline applies whether you used your bank’s own ATM or another bank’s ATM within India. Always report the incident promptly. Save any receipt, SMS alerts, or screenshots as evidence. If a provisional credit is given pending investigation, monitor your statement to ensure final resolution is posted.

How to raise and track an ATM dispute with Union Bank of India

Union Bank of India accepts ATM dispute complaints through its helpline, branches, and its website. The phone route is fastest outside branch hours, but online submission creates an immediate reference that you can check later. Be clear, factual, and complete in your description to avoid back-and-forth.

• Step 1: Call 1800 208 2244 or 1800 22 2244 and choose the debit card/ATM option to hotlist (if needed) and log the dispute. Ask for the complaint/Service Request (SR) number.
• Step 2: If you prefer online, go to unionbankofindia.co.in, navigate to “Customer Care” or “Grievance/Complaint” and submit the ATM dispute form with date/time, ATM ID/location, amount, and contact details. Save the acknowledgment.
• Step 3: Track progress with your SR number. For delays beyond T+5 working days on a failed cash withdrawal, ask about compensation (Rs 100 per day) as per RBI’s harmonized TAT circular (2019).

If you are an ex–United Bank of India customer now serviced by PNB, use PNB’s helplines 1800 180 2222 and 1800 103 2222, or visit pnbindia.in and navigate to “Customer Care” or “Lodge Complaint” to submit the ATM dispute. The same RBI timelines and compensation apply.

Fees, limits, and practical tips to avoid disputes

While ATM dispute resolution is generally free, banks may levy standard card replacement charges if you request a new debit card after hotlisting, and SMS/email alert charges if you opt in to such services. Check your bank’s Schedule of Charges on its website for current fees and per-day ATM withdrawal limits on your card variant. Using your bank’s own ATMs (on-us transactions) can sometimes result in quicker dispute handling compared to third-party ATMs.

Practical tips: verify the ATM fascia and camera for tampering before inserting your card; cover the keypad while entering your PIN; avoid repeated rapid re-tries if an ATM shows errors; keep the printed receipt if available; and turn on instant SMS/email alerts. If an ATM fails to dispense cash, wait for the session to end and check your balance before leaving; do not accept help from strangers; and never share your OTP/PIN. If fraud is suspected, immediately call 1930 and your bank’s toll-free number to block the card and raise a dispute.

Addresses and escalation paths

Union Bank of India Corporate Office (as per public records): Union Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai – 400021. For postal complaints, include your contact details, copies of evidence (redact full card number), and the bank SR number. However, phone/online channels are faster and easier to track.

Escalation: If you are not satisfied with the bank’s response, or 30 days pass without resolution, escalate to the RBI Integrated Ombudsman Scheme via cms.rbi.org.in. Submit your bank complaint reference, all supporting documents, and your contact information. Keep communication factual and concise; this improves turnaround time and outcomes.