Union Bank of IndiaUPI payment service
Union Bank UPI — Union ease
Union Bank's current Union ease UPI profile covering account-funded UPI, first-day cooling, merchant/P2P limits, RuPay-credit-card merchant payments, mandates, dispute/status tools and Credit Line on UPI.
First-party evidencePublished researchReviewed September 12, 2026Active
Eligible funding sourceSavings, current and overdraft accounts can be linked to UPI IDs; eligible RuPay credit cards and eligible pre-sanctioned credit lines are separate funding sources rather than deposit balances.
UPI / security limitsCurrent Union Bank FAQ states maximum ₹1 lakh per UPI transaction and 20 daily transactions across P2P/P2M. Newly registered UPI users can transfer up to ₹5,000 during the first 24 hours. The live app/bank controls remain authoritative for category-specific limits.
Payment / channel costUnion Bank currently states that it does not levy charges for ordinary UPI transactions. Account, card, telecom/data and underlying credit-line charges remain separate.
Payment / funding relationshipAccount-funded UPI, RuPay-credit-card-on-UPI and Credit Line on UPI are distinct funding states. RuPay cards issued by Union Bank or another live issuer can be linked for merchant UPI payments; Visa/Mastercard credit cards are not supported for the card-on-UPI feature.
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
3 first-party sources
Last checkedSeptember 12, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: November 26, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
UPI payment service evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
UPI control map
Separate the funding source, steady-state limit and temporary security state.
UPI is not represented by one universal ₹1 lakh number. Bank/app risk controls, device cooling, Lite, card-funded merchant UPI and mandate rules are kept in their own fields. Reviewed September 12, 2026.
UPI app / channelUnion ease provides UPI through the Payments section and selected pre-login quick tasks, including QR, mobile-number, UPI-ID/number, mandate, history, self-transfer, card linking and Credit Line on UPI.
Registration / linkingUPI ID creation is required. Eligible accounts are linked in Union ease; users can create up to three UPI IDs. Savings/current/overdraft accounts, eligible RuPay credit cards and eligible pre-sanctioned credit lines are supported as separate funding relationships.
AuthenticationAccount-funded UPI uses a UPI PIN. RuPay credit-card-on-UPI requires a separate card UPI PIN set using card details/OTP; Union Bank explicitly states this is different from the physical credit-card PIN.
Steady-state limitsCurrent Union Bank FAQ: maximum ₹1 lakh per UPI transaction and a bank-set limit of 20 daily transactions under P2P and P2M. The bank states the daily transaction setting cannot be user-increased.
New-user / device coolingNewly registered UPI users can transfer a maximum of ₹5,000 during the first 24 hours under the current Union Bank FAQ.
UPI LiteUnion Bank states UPI Lite can presently be enabled in BHIM or other third-party apps. This profile therefore does not claim a Union-ease-hosted Lite balance or bank-specific Lite numeric limits.
RuPay credit card on UPIUnion ease can link eligible RuPay credit cards issued by Union Bank or another issuer that is live for credit-card-on-UPI. Visa/Mastercard credit cards are not supported for this feature. Card-funded UPI uses a separate UPI PIN and is treated as UPI merchant-payment activity.
AutoPay / mandatesUnion ease exposes Mandate/IPO functionality within UPI. The profile does not manufacture one universal mandate ceiling where the current bank page does not state one.
UPI Circle / delegated paymentsNo current Union Bank first-party statement in this reviewed page is used to assert UPI Circle/delegated-payment support; it remains evidence-gated.
Merchant / QR controlsScan QR, Pay to Mobile, UPI ID/Number, self transfer, merchant P2M and RuPay-credit-card merchant UPI are supported. The app also allows QR sharing/download and UPI-number management.
Failure / dispute / recoveryTransaction History separates Completed, Failed and Pending states. Union ease allows status checks and complaints for P2P/P2M pending transactions and disputes for successful P2M transactions; blocking/unblocking UPI IDs and mobile-number blocking are also provided.
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Payment / channel costUnion Bank currently states that it does not levy charges for ordinary UPI transactions. Account, card, telecom/data and underlying credit-line charges remain separate.
Eligible funding sourceSavings, current and overdraft accounts can be linked to UPI IDs; eligible RuPay credit cards and eligible pre-sanctioned credit lines are separate funding sources rather than deposit balances.
UPI capabilitiesUnion ease supports Scan QR, Pay to Mobile, UPI ID/number payments, mandates, transaction history, self transfer, QR management, RuPay credit-card linking and Credit Line on UPI. Up to three UPI IDs can be created in the app.
UPI / security limitsCurrent Union Bank FAQ states maximum ₹1 lakh per UPI transaction and 20 daily transactions across P2P/P2M. Newly registered UPI users can transfer up to ₹5,000 during the first 24 hours. The live app/bank controls remain authoritative for category-specific limits.
Registration eligibilityRequires UPI registration and an eligible linked account/card/credit line. The app can work with supported accounts from other banks; NRE/NRO accounts can also be linked under current Union Bank guidance.
Payment / funding relationshipAccount-funded UPI, RuPay-credit-card-on-UPI and Credit Line on UPI are distinct funding states. RuPay cards issued by Union Bank or another live issuer can be linked for merchant UPI payments; Visa/Mastercard credit cards are not supported for the card-on-UPI feature.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
Union Bank and multi-bank UPI users who want current Union ease limits and card/credit-line linking rules separated from ordinary account-funded UPI.
- The ₹5,000 first-24-hour cooling limit applies to newly registered UPI users and should not be mistaken for the normal steady-state limit.
- Union Bank states UPI Lite is presently enabled through BHIM/other third-party apps rather than as a Union ease Lite wallet feature; do not infer an in-app Lite balance from general UPI availability.
- Credit-card-on-UPI transactions are treated as UPI transactions but use a separate UPI PIN and remain merchant-oriented; the credit-card PIN is not interchangeable with the UPI PIN.
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcewww.unionbankofindia.bank.in
Open source ↗02Additional first-party evidencewww.unionbankofindia.bank.in
Open source ↗03Additional first-party evidenceunioncards.unionbankofindia.bank.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.