Union Bank of India Customer Care: An Expert, Practical Guide

Official Contact Points You Can Trust

Union Bank of India (founded in 1919; amalgamated with Andhra Bank and Corporation Bank on 1 April 2020) operates a consolidated, 24×7 customer care helpline for retail and corporate customers. The commonly published toll-free numbers are 1800 22 22 44 and 1800 208 2244. These lines typically support account information, debit/credit card services (including hotlisting), digital banking assistance, and product queries. Service availability is generally round-the-clock, though brief maintenance windows may occur.

Always cross-check helpline numbers on the bank’s official website before dialing: https://www.unionbankofindia.co.in. From the homepage, use the “Contact Us” or “Grievance/Complaints” section to see the latest phone numbers, forms, and escalation contacts. If you are calling from overseas, prefer the website-listed non-toll-free line or use Internet Banking/Mobile Banking in-app support to avoid charges.

Postal correspondence can be addressed to the bank’s head office: Union Bank of India, Union Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai – 400021, India. When writing, include your full name (as per bank records), masked account number (e.g., last four digits), registered mobile number, and a clear description of the issue with dates and amounts.

Service Hours, Languages, and Identification

Phone support is offered 24×7 for urgent services like card blocking and basic account information. Assisted services that require back-office processing may be limited to business hours on working days. IVR menus are generally available in English, Hindi, and at least one regional language; the first IVR prompt typically allows language selection.

For verification, the agent may ask partial details (e.g., date of birth, last transaction amount, or the last four digits of a card). The bank will never ask for complete card numbers, CVV, full OTP, full passwords, or UPI PINs. If any caller requests such information, disconnect and call the official toll-free number from the website.

Prepare Before You Contact Customer Care

Collect essential details to speed up your call: customer ID/user ID (if applicable), masked account number or last four digits of your card, registered mobile number, and recent transaction references (date, channel, and amount). For disputes, have screenshots, SMS alerts, or email confirmations ready—precise timestamps help the back office trace transactions faster.

If your phone number or email has changed, update your KYC/contact details at your branch or via digital channels before raising service requests; many alerts and resolution updates are pushed to your registered credentials. For joint accounts, ensure the caller is an authorized signatory to avoid delays.

• Never share your full OTP, UPI PIN, card CVV, full card number, net banking password, or MPIN with anyone (including bank staff).
• Do not click on links or download apps suggested by unknown callers claiming to be from the bank; always use the official site or app store listing.
• If you suspect a fraudulent call or message, report it to customer care and consider filing a cybercrime complaint at https://cybercrime.gov.in with evidence.

Blocking Cards, UPI, and Net Banking in Emergencies

In case of lost/stolen cards or unauthorized payments, your first step is to block access. Use the toll-free IVR to hotlist your debit/credit card immediately, or log in to Union Bank’s Internet Banking or the official mobile app (U-Mobile) to disable the card, freeze UPI handle, and change passwords/PINs. If you cannot access digital channels, call the helpline and navigate to the “lost card/blocking” option; in most cases, the block is effective instantly.

After blocking, note down the service request number. For unauthorized transactions, raise a dispute with timestamps, channel (ATM, POS, e-commerce, UPI), and amounts. RBI’s customer liability framework and the card network’s chargeback timelines apply; quick reporting significantly improves recovery chances. For large-value or suspicious transactions, also file a First Information Report (FIR) or a cybercrime complaint and share the acknowledgement with the bank to support your claim.

Filing, Tracking, and Escalating Complaints

The fastest way to log and track a complaint is via the official website’s “Grievance/Complaint” page or through Internet/Mobile Banking. You will receive a complaint/ticket number by SMS/email. Keep this reference for status checks and future escalation. Straightforward issues (e.g., failed but debited ATM withdrawals) are often resolved within standard TATs; complex disputes may take longer due to interbank/network dependencies.

As per the RBI framework, banks are expected to resolve complaints within 30 days from the date of receipt. If your matter remains unresolved or you are dissatisfied with the response, escalate to the bank’s Nodal Officer/Principal Nodal Officer (PNO). The PNO’s current contact coordinates are published under the “Grievance Redressal/Customer Care” section of the official website; submit your original complaint reference, all correspondence, and a concise chronology.

If still unresolved after 30 days, you may approach the RBI under the Integrated Ombudsman Scheme, 2021. File online at https://cms.rbi.org.in (RBI’s Complaint Management System). You can also seek guidance via the RBI Ombudsman Contact Centre on 14448 (local call charges may apply). Maintain copies of all documents and acknowledgements for the Ombudsman review.

Nodal Officer and Documentation Best Practices

When escalating to the Principal Nodal Officer, include: the original complaint number, dates of contact, each response received, proofs (screenshots, SMS, emails), and the precise relief you seek (refund amount, reversal of charges, card replacement, etc.). Clear, chronological documentation reduces back-and-forth and speeds up adjudication.

For time-bound issues (e.g., chargebacks), submit evidence quickly. If you used third-party aggregators or merchant apps, append their transaction IDs and emails. In card-not-present disputes, the bank may request a signed dispute form; submit it within the stated deadline to preserve rights under card network rules.

Digital Self-Service: Faster Than a Call

Union Bank’s Internet Banking and U-Mobile app can handle most routine tasks without contacting the call centre: card control (enable/disable channels), PIN management, daily limits, UPI handle management, dispute submission, cheque book requests, and account statements. NEFT is available 24×7 since December 2019, and RTGS is available 24×7 since December 2020—if a transfer fails, capture the Reference Number/UTR to expedite follow-up.

Use the website’s branch/ATM locator to find the nearest branch for KYC updates or complex service requests needing physical verification. For senior citizens and NRI customers, check the site for any dedicated help lines or time windows; these are occasionally updated and published in the Contact/Support section.

• Before raising a payment failure complaint, record the UTR/Reference ID, exact timestamp, payer/payee account details, and channel (NEFT/RTGS/IMPS/UPI/card). This is critical for tracing.
• For card reissuance after hotlisting, confirm the dispatch address in Internet/Mobile Banking or with your branch; card reissue fees and courier TATs vary by product and location.
• If your registered mobile/email is inaccessible, visit a branch with original ID proof to update contact details before seeking further assistance; most remote services are tied to KYC-linked credentials.

Staying Safe and Getting the Most From Support

Bookmark the official website (https://www.unionbankofindia.co.in) and type it manually to avoid phishing. Install only the official U-Mobile app from trusted app stores, keep your phone OS updated, and enable SMS/email alerts for transactions to detect anomalies early.

Finally, keep a personal log of all service interactions: date/time, channel, the agent’s first name or ID, and the ticket number. If you need to escalate, this log—along with precise transaction details—often makes the difference between a prolonged back-and-forth and a swift resolution.