June 30, 2026

UCO Bank Balance Enquiry: How to Check Account Balance by SMS, Missed Call, WhatsApp, Toll-Free Number, and More

Effective management of your bank account starts with managing your account balance. There are various options offered by UCO Bank where customers can easily check their account balance without going to their branch physically. If you want to use missed call services, SMS services, WhatsApp services, internet services, mobile banking, or toll-free services, you can find various options in UCO Bank.

This article will help you understand all the processes associated with the UCO Bank balance inquiry.

Why Is Regular Balance Enquiry Important?

Checking your account balance regularly helps you:

Track your savings and spending habits
Avoid cheque or transaction failures due to insufficient funds
Monitor salary, pension, or other credit transactions
Detect unauthorised transactions quickly
Manage monthly budgets more effectively

With digital banking services, customers can access their account balance anytime and from anywhere.

UCO Bank Balance Enquiry Through Missed Call

The missed call banking service is one of the simplest ways to check your account balance.

How It Works

Give a missed call from your registered mobile number to the designated UCO Bank balance enquiry number — 1800 274 0123 or 1800 103 0123.
The call disconnects automatically after a few rings.
You receive an SMS containing your latest account balance details.

Benefits

Available 24x7
No internet connection required
Free and easy to use
Suitable for feature phone users

Customers must ensure that their mobile number is registered with the bank to use this facility.

UCO Bank Balance Enquiry Through SMS Banking

SMS banking allows customers to receive account-related information directly on their mobile phones.

Steps to Check Balance via SMS

Open the messaging application on your mobile phone.
Type UCOBAL and send it to 56161.
If you have multiple UCO Bank accounts linked to the same mobile number, send UCOBAL followed by your 14-digit account number to 56161.
Receive an SMS containing your available account balance.

Advantages

Works without internet access
Quick and convenient
Useful in areas with limited data connectivity

SMS banking may be subject to standard SMS charges as per your telecom operator.

UCO Bank Balance Enquiry Through WhatsApp Banking

WhatsApp banking has become a popular channel for accessing banking services.

How to Use WhatsApp Banking

Save the official UCO Bank WhatsApp banking number — 8334001234 — on your phone.
Open WhatsApp and start a conversation with the bank's verified account (look for the blue tick).
Send Hi and select your preferred language.
Follow the menu options and select the balance enquiry option.
Receive your account balance details instantly.

Benefits

User-friendly interface
Available round the clock
No need to visit a branch
Access to multiple banking services through a single platform

Customers should always use the official WhatsApp number published by the bank.

UCO Bank Balance Enquiry Through Mobile Banking

UCO Bank offers mobile banking services that provide comprehensive access to banking facilities.

Steps to Check Balance

Download the official UCO Bank mobile banking application.
Register and log in using your credentials.
Navigate to the account section.
Select the account for which you want to check the balance.
View the available balance and transaction details.

UCO Bank Mobile Banking Apps

UCO Bank M-Banking — Access balance enquiry, fund transfer, mini statement, chequebook request, and more on iOS and Android devices.
BHIM UCO UPI — Check account balance and past transactions through VPA-based UPI services.
UCO Pay+ — Android mobile wallet for balance enquiry, bill payments, recharge, and utility payments including mutual funds and insurance EMIs.
UCO mPassbook — Electronic passbook to check transactions and account balances in both online and offline modes.
UCOSecure — Block and unblock digital products or banking services like debit cards, UCOPAY, BHIM UCO, and e-banking.

Features

Real-time balance information
Mini statement access
Fund transfer services
Bill payments and recharges
Account management tools

Mobile banking provides one of the most comprehensive banking experiences for customers.

UCO Bank Balance Enquiry Through Internet Banking

Customers can also check their account balance through internet banking.

Steps to Check Balance Online

Visit the official UCO Bank internet banking portal.
Log in using your User ID and password.
Access the account summary section.
View your account balance and transaction history.

Benefits

Secure access to banking services
Detailed account information
Downloadable account statements
Convenient fund management

Internet banking is particularly useful for customers who prefer accessing banking services through a computer.

UCO Bank Balance Enquiry Through ATM

ATMs remain a widely used method for checking account balances.

Steps

Insert your debit card into the ATM.
Enter your PIN.
Select the "Balance Enquiry" option.
View your available balance on the screen or receive a printed receipt.

Advantages

Available across ATM networks
Quick access to balance information
Can be combined with cash withdrawal transactions

UCO Bank Balance Enquiry Through Toll-Free Customer Care

Customers can also contact UCO Bank's customer care services for account-related assistance.

How to Use the Toll-Free Service

Call the bank's toll-free customer care number — 1800 274 0123 or 1800 103 0123.
Verify your identity using the required details.
Follow the IVR instructions or speak with a customer service representative.
Obtain account balance information and other banking assistance.

Benefits

Personalised customer support
Assistance with banking queries
Help with digital banking issues

UCO Bank Passbook Balance Enquiry

A passbook remains a reliable method for checking account balances and transaction history.

How It Works

Visit your nearest UCO Bank branch.
Update your passbook using the passbook printing machine or through a bank representative.
Review your latest transactions and account balance.

This method is particularly useful for customers who prefer maintaining physical banking records.

Tips for Safe Balance Enquiry

When checking your account balance through digital channels, follow these safety measures:

Never share your OTP, PIN, or internet banking password.
Use only official banking applications and websites.
Verify WhatsApp banking numbers before initiating conversations.
Avoid accessing banking services through public Wi-Fi networks.
Monitor account activity regularly for suspicious transactions.

Conclusion

Several options for balance inquiry have been provided by UCO Bank, such as missed call banking, SMS banking, WhatsApp banking, mobile banking, internet banking, use of ATMs, updating the passbook, and even a free helpline number to assist in getting account details. You may choose any one of the convenient methods mentioned above to know your balance.

This will make you aware of your account balance at all times without the need to visit the bank's branches.

Frequently Asked Questions (FAQs)

How do I enquire about the balance in my UCO Bank account without using the internet?

The user can check his/her account balance by using the missed call banking facility or SMS banking offered by UCO Bank using his/her registered mobile number.

Is the balance enquiry facility available 24×7 in UCO Bank?

Yes, most balance enquiry facilities like missed call banking, mobile banking, internet banking, and WhatsApp banking are available 24×7.

Is it necessary to have a registered mobile number for balance enquiry services?

Yes, for balance enquiry services like missed call banking, SMS banking, WhatsApp banking, and mobile banking services, users must possess a registered mobile number.

Can I know my UCO Bank account balance via ATM?

Yes, users may visit any UCO Bank or any other bank's ATM, swipe their debit card, key in their PIN, and select the option of Balance Inquiry.

Is it secure to check my account balance through the digital medium?

Yes, it is quite secure if the user uses UCO Bank's authentic sites or applications and takes care not to disclose his/her one-time passwords (OTPs) or passwords.