UCO Bank Balance Check Number 2022

UCO bank is a government-owned commercial bank that started operations in 1943.  True to their vision, they strive to be the most sought-after financial institution by providing world-class financial products and services clubbed with state of the art technology. To make the most basic transaction, i.e., UCO bank balance check possible 24 x 7 with convenience, the bank has devised various offline and online methods to get all-in-all information about the accounts. The customers of UCO bank can have the balance of their accounts at their fingertips.

UCO Bank balance check number

The customers of UCO bank who have registered their mobile number with the bank or linked the mobile number with their bank account can now do the UCO bank balance check by giving a call to the UCO Bank balance enquiry number 1800 274 0123, which is toll-free. The UCO Bank missed call balance check service is not provided by the bank. The customers can get the balance of their account by just calling the toll-free number.

Different Methods of UCO Bank Balance Enquiry in 2022

How to check the UCO bank account balance? Now you do not have to visit the branch every time you want to know the balance and the transactions in your account. UCO Bank provides various methods for UCO Bank balance check. Detailed information about the various methods is given below.

Internet banking

Registration for internet banking can be done right after opening the account by submitting a request in the account opening form. If you have not done it then, you can still do it later by submitting an application along with the KYC documents.  On review of the application and the documents, internet banking will be activated, and the login credentials will be sent to you via email or SMS. Post activation,  you can do various transitions like balance enquiry, funds transfer, place a request for cheque book, etc. You can follow the procedure for the UCO bank  balance enquiry. 

  • Visit the website of UCO bank. 
  • Login to your net banking account with the User ID and password
  • Go to ‘Account Summary’ on the dashboard.
  • You can view the account balance instantly on the screen.
  • You can also view the mini-statement if necessary.

 SMS banking

For UOC bank balance enquiry by SMS, the customers can send SMS to the UCO bank balance enquiry no to 56161. The format for the account balance enquiry is UCOBAL <mPIN> if the customer has a single account. If the customer has multiple accounts, then the format for the SMS will be UCOBAL <mPIN> <14 digit Account number>. On typing the format and sending the SMS, the account balance for the primary account or one of the multiple accounts for which the enquiry is made will be sent through  SMS.

Mobile banking

UCO Bank has introduced various mobile banking apps to enable their customers to have a hassle-free, safe and secure banking experience. You can use mobile apps for various financial as well as non-financial transactions. The details of  the various UCO bank mobile applications are as given below:

UCO mBanking plus app

This is a convenient menu-driven application that can be used for various financial and non-financial transactions like balance enquiry, funds transfer, payment of utility bills etc. The additional security feature in this app is the two-step authentication which requires entering a six-digit code that will be sent to the registered mobile number in addition to the user ID and password. Verification with the user ID and password is the first step, and verification with the six digit code is the second step. Another security feature is the SIM binding which helps to locate your phone when lost or stolen. 

There is a limit set for funds transfer in this app. The limit will be Rs. 2 lakhs for funds transfer through NEFT/RTGS and to third party account within UCO bank where the beneficiary is added. For transfer of funds to third-party accounts within UCO without beneficiary addition, the limit is Rs. 50000/-. The funds’ transfer limit for self-linked accounts is Rs. 5 lakhs.

UCO Secure

The UCO Secure is available for both Andriod and iOS users. You can block and unblock all the digital services like debit cards, mBanking, BHIM UCO UPI, UCOPAY and e-banking. The app enables the setting of a card limit. The usage of various online channels like ATM, e-commerce, POS etc., can be controlled with this app. 

UCO Pay+

UCO Pay+ is an online wallet available only for Android users. You can load money into the wallet and pay utility bills and recharge mobile, DTH, etc. You can also transfer funds from credit card, debit card, net banking to the wallet. Both transfers of funds and receipt of funds to the wallet are possible. 


On registration for this mobile app, a Virtual Private Address will be provided, and this VPA can be utilised for funds transfer and receipts through the app.

UCO mPassbook

UCO mPassbook is a virtual passbook wherein you can view all the account transactions in detail. This application can be accessed even offline, and so the UCO bank customers can do the UCO bank balance check even in an offline mode.


The ATM cum debit card issued during the account opening will be required for UCO bank balance enquiry through this mode. The process to be followed is as given below:

  • Visit the nearest UCO bank or non-UCO bank ATM
  • Insert the ATM-cum-debit card in the allotted slot.
  • Enter the PIN
  • Choose ‘balance enquiry’ from the options provided.
  • The account balance will be displayed on the ATM screen immediately.


Passbooks are provided for every account holder on opening an account. This is the most convenient and reliable source of UCO bank balance checks as it is readily available whenever required. The passbook will contain details of all the debit and credit transitions in the account, along with the day-to-day balance. 

Regular updation of the passbook can be done by visiting the nearest branch of UCO bank. You can also use the self-service passbook printers available in the bank branches for updation.

Why Should You Regularly Make UCO Bank Balance Enquiry?

Want to practice prudent financial management? Then, the first step is a regular UCO Bank balance enquiry. Real-time funds position awareness is the stepping stone to astute financial management. UCO Bank balance enquiry on a  regular basis not only helps you in developing financial management skills but also accords you with various benefits.

Prevents overspending: It helps you manage your expenditure within the available means. If you are not aware of your funds’ position and continue to spend erratically, you will go overboard and may end up paying penalties for over drawings in the account. 

In time detection of anomalies and frauds: If you have a glance at the account transactions now and then, you will be able to detect suspicious transactions and unauthorised transactions in time. There are certain disputed transactions like credit card/debit card frauds that occur online that have to be reported within a certain period. Disputed transactions reported beyond the time limit will not be eligible for investigation, and you will end up in a financial loss. 

If you are a freelancer or an entrepreneur who gets payments from various clients, you should be clarifying for the credits to follow up on time for non-payments. Delay in verifying the receipts for services rendered may make it difficult to get the payments from the clients. 

Reconciliation of the inflow and outflow of funds through a regular UCO Bank Balance Enquiry will avert such anomalies in the account and help in maintaining a healthy financial status.

Income from investments: You may be having income from other sources like fixed deposit interest, dividends, maturity proceeds, etc. Keeping a close watch for these credits will give an alert for any missouts so that you can bring them to the notice of the bank for timely action.

Prevents EMI missouts: There can be unplanned debits like bank charges for ledger maintenance, for not maintaining a minimum balance, for NEFT/RTGS transactions, for printed account statements, etc., that will bring down the account balance. If you presume that there is sufficient balance to honour the EMIs without paying attention to these charges, then you will not only be liable for a penalty for EMI  dishonour but also a decrease in the credit score that may negate the chances of approval for any loans that you may need in the future.

How is UCO Bank Balance Check useful?

UCO Bank balance check is a tool that keeps you aware of the financial transactions in your account and helps you budget your expenses. There are various modes of UCO Bank balance check to suit the convenience of the customers. You can do the balance check through internet banking, ATM, passbook, Mobile Banking, SMS Banking and through USSD Code. You can be cautious of frauds and anomalies with the help of a UCO  Bank balance check. To keep robust financial health, a regular UCO Bank Balance Check is essential.

Frequently Asked Questions

✅ How to check UCO bank balance with USSD Code?

Customers without Wifi or data banks can utilise the USSD code for checking the account balance. The step-by-step guide for UCO Bank balance enquiry with USSD Code is as given below.

  • Use  the  phone dialer of  a registered mobile number and dial *99#
  • Opt for the preferred language
  • Enter the four digits of the IFSC Code of the bank, i.e., UCBA 
  • Select the ‘balance enquiry’ from the options on the menu.
  • Follow the instructions for the UCO  Bank balance check.

There are other options like mini-statement, funds transfer through MMID, know your MMID and Change Pin. You can choose the service required and follow the instructions on the screen.

✅ What are the features of UCO mBanking Plus?

  • The customers of UCO bank should have an operative UCO bank account to be able to use the mobile banking service. 
  • The UCO mBanking facility is available for current accounts operated individually and proprietorship accounts,  savings bank accounts, accounts of UCO bank staff, overdraft against deposits, credits to loan accounts through NEFT/IMPS.
  • Minors aged 10 years and above can access the mBanking app.
  • HUF, Societies, Trusts, Clubs, illiterates are not eligible for mobile banking.
  • Only retail customers can access the UCO mBanking app at present.
  • Only Android and iOS devices support UCO mBanking Plus app.
  • Balance enquiry, mini-statement, funds transfer, payment of utility bills, viewing the accounts linked to a customer, hotlisting of debit/credit cards, etc., are some of the transactions that can be done through UCO mBanking Plus.

✅ How to register for UCO bank Mobile Banking?

You can register for UCO bank Mobile Banking through the mobile banking application. Alternately, you can register for UCO bank mobile by visiting the branch and submitting the application for mobile banking registration. On review of the application, mobile banking will be activated. The MPIN and TPIN will be sent by SMS to the registered mobile number.

✅ How can I check my UCO bank account balance through a phone call?

For a UCO bank balance check through a phone call, you will have to call the UCO Bank balance check no 1800-274-0123. You do not have to register a mobile number for this service. You can just make a call, and you will receive your account balance through SMS.

✅ How to check UCO bank account balance through SMS banking?

For checking the UCO bank account balance through SMS banking, you will have to send the SMS to UCO Bank balance enquiry no 56161. The SMS formats to be used are UCOBAL <mPIN> for a single and UCOBAL <mPIN> <14 digit Account number> where the customer has multiple accounts. All you have to do is to type the relevant SMS format and send it to 56561.

✅ How to check UCO bank balance online?

Customers with internet connection or databank can check UCO bank balance through net banking or mobile banking. Registration for net banking or mobile banking is necessary. You can log in to your net banking account using the login credentials or download the mobile apps, i.e., UCO mBanking o Plus, UCOSecure, BHIM UCO UPI, UCO Pay+, or mPassbook and check the account balance.