Union Bank of India Customer Care: Complete, Practical Guide

24×7 Contact Channels and Official Touchpoints

Union Bank of India (UBI) operates a 24×7 contact centre for retail, MSME, and NRI customers. As of 2025, the bank’s primary toll‑free helplines within India are 1800 22 2244 and 1800 208 2244. For callers using a non‑toll‑free line or dialing from outside India, the bank provides a chargeable number at 080 6181 7110 (prefix +91 when calling from abroad). These lines support most routine requests, including account information, card hotlisting, digital banking assistance, and complaint registration.

The official website is https://www.unionbankofindia.co.in. For secure self‑service, use the website’s Contact Us/Grievances sections to log or track service requests. Avoid third‑party links and ensure the browser shows the correct domain. For postal escalation or formal correspondence, the corporate office address is: Union Bank of India, Union Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai – 400021, Maharashtra, India.

What Customer Care Can Do for You

Through the helpline and web portal, you can: hotlist debit/credit/prepaid cards; reset digital banking access; stop cheque payments; raise disputes for unauthorized or failed transactions; get status on NEFT/RTGS/IMPS/UPI transfers (using UTR/RRN); request statement and interest/charge clarifications; and locate branches/ATMs. Many services are completed instantly (for example, card hotlisting and cheque stop payment), while dispute resolution and charge reversals depend on network timelines.

Customer care can also guide on KYC updates, account linking, lockers, term deposits, and retail loan servicing (EMI schedules, prepayment procedures, foreclosure statements). Note that regulatory KYC changes, address updates, and name corrections typically require document submission via branch or authenticated digital channels; the phone desk will explain acceptable documents and the filing process.

Hotlisting, Fraud, and Dispute Timelines

If your card or phone is lost, or you suspect fraud, call 1800 22 2244 or 1800 208 2244 immediately and choose the hotlisting option in IVR, or ask a representative to block the instrument. Blocking is real‑time and prevents new transactions. If you still have access to mobile/Internet banking, also disable UPI IDs and de‑register devices until you regain control.

For unauthorized electronic transactions, RBI’s “Customer Protection—Limiting Liability” framework applies. In general: report within 3 days of the transaction to be eligible for zero liability; if reported within 4–7 days, your liability is capped as per policy; beyond that window, liability depends on delay and account type. Banks must provide a provisional credit within 10 working days for reported frauds after due verification and resolve such disputes typically within 90 days. Always note the complaint reference number and request a written acknowledgment.

Service Hours, Languages, and Turnaround

The helplines operate 24×7, including Sundays and bank holidays. Peak wait times typically occur between 10:00 and 13:00 IST and during month‑end. If your query is non‑urgent, off‑peak calling (early morning or late evening) often results in faster connect. Support is available in English, Hindi, and commonly used regional languages; ask the IVR for your preferred language option.

Turnaround times vary: hotlisting and stop payment—instant; statement/email resend—same day; NEFT/RTGS/IMPS/UPI trace—usually T+1 to T+3 working days; card chargebacks—interim update in 7–10 working days, final outcome based on network rules; net banking/UPI resets—immediate post verification. Always capture the SR/complaint number and expected TAT communicated by the agent.

Grievance Redressal and Escalation Matrix

UBI follows a tiered grievance model. First, raise your complaint via the contact centre or your home branch and obtain an acknowledgment with a ticket number. If unresolved or you are dissatisfied, escalate to the Regional Office/Nodal Officer referenced in the acknowledgment or on the bank’s website. Maintain a clear paper trail—call logs, emails, and screenshots help expedite resolution.

If the bank has not resolved your complaint within 30 days from the date of first lodging—or earlier if you receive an unsatisfactory final reply—you may approach the RBI Integrated Ombudsman via the CMS portal at https://cms.rbi.org.in. Upload all supporting documents and the bank’s final response. The Ombudsman generally seeks a time‑bound response from the bank and aims for a fair, documented resolution.

NRI and International Customers

NRIs can contact the customer care desk via +91 80 6181 7110 (standard call charges apply). When calling from overseas, have your registered email ID and last four digits of the account or card available for verification. If you cannot call, use the website’s complaint form, ensuring you include time zones for call‑back and your preferred contact medium (email/phone). For urgent card hotlisting from abroad, call the line above and follow “card loss/fraud” prompts.

For cross‑border remittance queries (inward/outward), keep the SWIFT/UTR reference, transaction date, correspondent bank details, and the exact amount in currency. Settlement traces across correspondent banks can take several working days; providing complete references at the outset reduces back‑and‑forth.

Documents and Details You Should Keep Handy

Having the right information on hand speeds up resolution and reduces repeat calls. For payments, always store the UTR/RRN, date/time, channel (NEFT/RTGS/IMPS/UPI/PoS/e‑commerce), and merchant/biller name. For card issues, note the last four digits, expiry month/year, and the last known successful transaction.

• Identity for verification: registered mobile number, date of birth, and partial account/card details.
• Transaction references: UTR/RRN/approval code, amount, date/time, and merchant/biller identifiers.
• Evidence: screenshots, SMS/email alerts, and statements highlighting disputed entries.
• Service request trail: prior complaint numbers, dates, and any written replies from the bank.
• Contact preferences: alternate phone/email and best time to reach you (with time zone if overseas).

Branch Visits, Working Days, and Fees

For requests requiring signatures or KYC documents (address/name change, high‑value DDs, some loan services), visit your branch during business hours. Most branches operate Monday to Friday and on the 1st, 3rd, and 5th Saturdays; they are closed on 2nd and 4th Saturdays, Sundays, and public holidays. Typical public hours are around 10:00–16:00 local time, but confirm your branch’s schedule on the website before visiting.

Calls to 1800 numbers are free within India; calls to 080 6181 7110 are billed by your operator at standard rates. If you use SMS‑based services or missed‑call facilities, your mobile operator’s standard SMS/voice charges may apply. Always confirm any service charges (for example, duplicate statements beyond a limit, cheque stop payment, or ad‑hoc interest certificates) with the agent or the Service Charges/Fees schedule posted on the website.

Quick Contacts and Useful Links

• Toll‑free (India): 1800 22 2244, 1800 208 2244
• Chargeable/International: +91 80 6181 7110
• Official website: https://www.unionbankofindia.co.in
• Corporate Office (for formal correspondence): Union Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai – 400021
• RBI Integrated Ombudsman (after 30 days or unsatisfactory closure): https://cms.rbi.org.in

Security Best Practices When Contacting Customer Care

UBI will never ask for your full card number, CVV, PIN, Internet banking password, or OTP on calls, emails, or chat. Share only the last four digits of your card/account when asked for verification. Do not click on links sent over SMS/WhatsApp by unknown numbers claiming to be bank representatives. If in doubt, disconnect and call the official numbers listed above.

When you finish a service call, request the agent to read back the actions performed (e.g., “debit card ending 1234 hotlisted at 12:07 IST”) and the complaint/service request number. Save this reference—if you need to escalate, it becomes the anchor for timelines and audit trail.