Union Bank of India (UBOI) – Andhra Bank & Corporation Bank Merged | Account, Credit Card, Loan, IFSC, Net Banking & Customer Service 2025

🏦 About Union Bank of India (After Merger):

After the merger of Andhra Bank and Corporation Bank with Union Bank of India (UBOI) in April 2020, UBOI became one of India’s largest public sector banks. This merger was part of the Government of India’s initiative to strengthen the banking system and improve digital, financial, and customer services.

Now, Union Bank of India serves over 120 million customers through more than 9,000+ branches, 12,000+ ATMs, and international offices in key financial hubs. The bank offers a full range of services — Savings Accounts, Current Accounts, Personal Loans, Home Loans, Business Loans, MSME Loans, Credit Cards, Insurance, Investment, and Net Banking services.

Andhra Bank and Corporation Bank customers can now seamlessly access Union Bank of India’s services using their existing account numbers, IFSC codes (updated), debit cards, and internet banking credentials (migrated).

🔄 Merger Highlights (Andhra Bank & Corporation Bank → Union Bank):

• Effective Date: 1 April 2020
• Anchor Bank: Union Bank of India
• Merged Banks: Andhra Bank and Corporation Bank
• New Entity: Retains the name Union Bank of India (UBOI)
• Headquarters: Mumbai, Maharashtra
• New IFSC Codes: All old Andhra Bank and Corporation Bank IFSC codes have been replaced with new Union Bank IFSC codes.
• Customer Accounts: All migrated automatically — no change required in account number or debit card for most users.

🏦 How to Open a Union Bank of India Account (Post Merger):

1. Visit www.unionbankofindia.co.in or the nearest Union Bank branch.
2. Click on “Open Account” → Choose Savings or Current Account.
3. Fill the form and upload required KYC documents:
   • Aadhaar Card
   • PAN Card
   • Passport-size Photo
4. Complete e-KYC verification (via Aadhaar OTP or video KYC).
5. Your account will be activated instantly (for digital accounts).
6. Receive your Debit Card, Passbook, and Net Banking credentials.

💳 Union Bank Credit Cards (2025):

Union Bank offers a wide range of credit cards for shopping, travel, lifestyle, and business users.

Popular Cards Include:

• Union Bank RuPay Select Credit Card
• Union Bank Signature Card
• Union Bank Classic Card
• Union Bank Corporate Credit Card

How to Apply:

1. Visit www.unionbankofindia.co.in → Credit Cards section.
2. Choose your card type and click Apply Now.
3. Fill your personal and income details.
4. Upload Aadhaar, PAN, and income proof.
5. After approval, the card is dispatched within 7–10 working days.

💰 Union Bank Loans (2025):

Union Bank provides several loan options:

• Home Loan – Starting from 8.50% p.a.
• Personal Loan – From 10.40% p.a.
• Car Loan – From 8.75% p.a.
• Education Loan – From 9.25% p.a.
• Business/MSME Loans – Flexible repayment options

How to Apply:

1. Visit www.unionbankofindia.co.in → Loans section.
2. Select the loan type and click Apply Now.
3. Upload necessary documents (KYC, income proof, etc.).
4. The bank verifies eligibility and approves within 1–3 working days.

🌐 Union Bank Net Banking Registration (For Andhra & Corporation Bank Users Too):

1. Visit www.unionbankofindia.co.in → Internet Banking → Retail Login.
2. Click on “New User? Register Here”.
3. Enter your Account Number, Debit Card Details, and Registered Mobile Number.
4. Verify using OTP and set your User ID & Password.
5. You can now access all digital services:
   • Balance Check
   • Fund Transfers (NEFT/IMPS/RTGS)
   • Bill Payments
   • Loan & Credit Card Management
   • Online FD/RD Opening

Note: Old Andhra Bank and Corporation Bank Net Banking credentials are now linked with the Union Bank Net Banking portal.

💵 Balance Check Options:

1. Net Banking: Log in and view account summary.
2. Union Bank Mobile App (U-Mobile): Quick balance and statement view.
3. Missed Call Banking:
   • Give a missed call to 09223008586 from your registered mobile.
4. SMS Banking:
   • Send UBAL Account Number to 09223008486.
5. ATM: Check balance using any Union Bank or other bank ATM.

📱 Digital Banking & Mobile Services 2025:

• U-Mobile App: Manage accounts, loans, credit cards, and investments from your smartphone.
• BHIM UPI App: Instant, safe, and contactless payments.
• Union Bank Chatbot “Union Sahyog”: 24×7 customer assistance.
• Paperless Banking: Online account opening, e-statements, and digital onboarding.
• 24×7 Customer Care: Phone, chat, and email support.

🔒 Security Tips:

• Always use official Union Bank apps or website for transactions.
• Never share your OTP, passwords, or account details.
• Avoid using public Wi-Fi for online banking.
• Use updated browsers and the latest U-Mobile version.
• Change your password regularly for extra protection.

✅ Summary:

The Union Bank of India (UBOI), post-merger with Andhra Bank and Corporation Bank, is now a strong, digitally advanced, and customer-friendly public sector bank. It offers a complete range of services — from accounts and loans to credit cards and UPI banking — ensuring convenience, trust, and innovation.