Union Bank of India Customer Care Email: A Complete, Practical Guide

Official customer care email and the best way to use it

Union Bank of India accepts service requests and complaints by email at [email protected]. This mailbox is monitored by the bank’s central customer care team and is appropriate for most account-level queries, digital banking issues, card disputes, KYC/branch matters, and service feedback. Include your registered mobile number and partially masked account or card details so the team can trace your records and respond faster.

If you are an NRI customer, you can write to [email protected] for non-resident account queries, inward remittances, FCNR/NRE deposits, and global services. While emails can be sent 24×7, they are typically actioned during banking working hours. For urgent, time-sensitive matters (card lost, suspected fraud), always call the 24×7 helpline first and follow up with an email for documentation.

For quick assistance or to log a complaint alongside your email, you can also use the official website: https://www.unionbankofindia.co.in. Navigate to Contact Us or Grievance Redressal to raise a ticket. This dual approach (ticket + email) creates a reference number and helps you track status if you need to escalate later.

Phone support and when to prefer calls over email

Union Bank of India operates 24×7 toll-free numbers: 1800 22 2244 and 1800 208 2244. Call immediately for card blocking, suspicious transactions, OTP-related fraud attempts, login lockouts, UPI/IMPS issues where time is critical, or to obtain a complaint reference number before you send documents by email. Phone agents can perform real-time actions that email cannot, such as instant card hotlisting.

Use email for cases that require documentation, detailed narratives, or attachments—chargeback disputes, KYC updates, name/address corrections, net banking deactivation/activation requests, and form submissions. In practice, many customers call first to secure their account and then email supporting evidence (screenshots, PDFs) quoting the phone complaint number for continuity.

If you cannot get through on the first attempt (peak traffic), try calling during off-peak hours (early morning or late evening). Always note the date, time, and the Service Request (SR) or complaint number you receive on the call and include it in your email subject line.

What to include in your email to speed up resolution

Well-structured emails get resolved faster. Begin with a clear subject, state your relationship with the bank (savings account holder, credit card holder, NRI, corporate), describe the issue in chronological order, and list the exact action you want the bank to take (reverse charges, unblock service, update KYC). Close with your current contact details and preferred callback time.

Avoid sending sensitive authentication data (PINs, full card numbers, CVV, net banking passwords). For identity, provide your registered mobile number and mask account numbers like this: 1234XX5678. Attach readable documents only (PDF/JPEG/PNG), and keep each file reasonably sized so it passes mail filters. If you are following up, reply to the same email thread to preserve history for the case handler.

• Subject line templates: “SR 123456789 | Failed UPI – reversal request | 14 Aug 2025”; “KYC update – address change – Savings A/c 5XXX78”; “Chargeback request – debit card – txn ID 2025-08-14-ABCD1234 – ₹2,350”
• Identify yourself: full name, registered mobile number, partially masked account/card number, and customer ID if available (do not include PIN/OTP/CVV)
• Facts and timestamps: exact transaction date/time, amount, merchant/beneficiary, last 4 digits of card, UPI ID, app used, error codes/screenshots
• Ask for a specific outcome: reversal, chargeback, statement copy, KYC update, limit change, net banking reset, or written clarification
• Attachments: proof of debit, merchant correspondence, FIR/acknowledgment for fraud cases, Aadhaar/Passport/utility bill for KYC (mask Aadhaar to last 4 digits if possible)

Service levels, timelines, and escalation under RBI rules

Banks generally acknowledge emails within 1–3 working days and aim to resolve most service requests in 7–10 working days. Complex matters (chargebacks, fraud investigations, legacy account mergers) can take longer. As per the Reserve Bank of India’s Integrated Ombudsman Scheme (2021), if your complaint is not resolved within 30 days from the date the bank receives it, or you are dissatisfied with the response, you can approach the RBI Ombudsman.

Escalation path that works well in practice: Level 1—email [email protected] and obtain a complaint/ticket number; Level 2—escalate through the Grievance Redressal page on the official website with your ticket number; Level 3—write to the Bank’s Nodal/Principal Nodal Officer (details available on the bank’s website under Grievance/Disclosures); Final—file a complaint on the RBI CMS portal at https://cms.rbi.org.in or via the RBI CMS mobile app. Keep copies of all emails, ticket numbers, and call logs for your case file.

For suspected fraud, act immediately: call the 24×7 number to block channels, then email the chronology and evidence the same day. For cybercrime reporting, the national helpline 1930 and the portal https://cybercrime.gov.in are available in parallel to the bank’s process.

Common issues you can solve effectively by email

Card disputes and chargebacks: If you notice an unauthorized or incorrect card transaction, email within 3 working days for best outcomes, providing the transaction ID, amount, merchant, and your travel/possession status. Attach a copy of the SMS or statement entry and any merchant correspondence. The bank may provisionally credit during investigation depending on the case specifics and scheme rules.

UPI/IMPS/NEFT issues: For failed or pending transfers, include the UTR number, date/time, amount, and payer/payee details. Many failures auto-reverse; if not, your email with the UTR and screenshots helps operations trace funds quickly. For NEFT/RTGS beneficiary or limit issues, attach a masked screenshot of your net banking profile to speed verification.

KYC updates, address/name changes, and account servicing: Email a signed request and valid KYC proof (mask Aadhaar), and specify the branch and account (masked). For statements or interest certificates (useful for tax filing), request the period clearly (e.g., “1 Apr 2024–31 Mar 2025”) and preferred delivery mode (email/PDF password). For NRI accounts, specify NRE/NRO status and your overseas contact details.

Security, fraud prevention, and safe-email practices

Union Bank of India will never ask for your net banking password, OTP, full card number, CVV, or PIN over email or phone. Do not share these under any circumstance. Verify that you are emailing the official domain (…@unionbankofindia.com) and that you are using the official site https://www.unionbankofindia.co.in for forms or grievance submissions. If you receive a suspicious message claiming to be from the bank, do not click links—report it and call the bank directly.

When sending documents, mask sensitive IDs and use read-only formats (PDF) where possible. Avoid public Wi‑Fi when emailing personal banking information. If you suspect your email account is compromised, change your email password and net banking password immediately, enable two-factor authentication, and notify the bank by phone and email. For phishing or financial fraud incidents, call 1930 at once and file at https://cybercrime.gov.in, then provide the case acknowledgment to the bank.

Quick reference: verified contacts and useful links

• Customer care email: [email protected]
• NRI services email: [email protected]
• Toll-free (24×7): 1800 22 2244, 1800 208 2244
• Official website: https://www.unionbankofindia.co.in (Contact Us and Grievance Redressal sections)
• RBI complaint portal (after 30 days or unsatisfactory reply): https://cms.rbi.org.in
• Cybercrime helpline/portal (for fraud): 1930 and https://cybercrime.gov.in

After you send the email: what to expect and how to follow up

Watch for an acknowledgment within a few days that includes a reference or ticket number. If you don’t receive one, reply again in the same thread or call the helpline with your email timestamp to ensure your case is logged. Keep your phone reachable; many resolutions require a short verification call from the bank before closure.

If you receive a resolution that doesn’t address your issue, reply with a clear, bullet-pointed gap analysis (what you asked, what was done, what remains) and reattach key evidence on top. If 30 days elapse without a satisfactory outcome, escalate per the steps above and attach your entire email trail and ticket numbers; this complete dossier significantly improves turnaround at higher levels.