UCO Bank offers various banking products like savings account, fixed deposit, internet banking services and more. With its savings account, you get a UCO Bank debit card as well. This debit card works as an ATM card too and offers various other facilities. Let’s talk about UCO Bank debit card in detail.
UCO Bank Debit Card Apply
When you open a UCO Bank savings account or a current account, you get a debit card along with it. However, if you wish to apply for a different or upgraded UCO Bank debit card, you may simply go to your home branch and ask the bank official about the same. If you’re eligible, you’ll be offered with an option. Make sure to carry your ID card along.
UCO Bank Debit Card Apply via WhatsApp
Send a ‘Hi’ on this UCO Bank WhatsApp number to check eligibility and also to apply for a debit card instantly:
8334001234
Make sure to use the mobile number which is registered with your UCO Bank account.
Steps for UCO Bank Debit Card Online Apply
Step 1: Open UCO Bank Online Services webpage (https://www.ucobank.com/english/online-services.aspx).
Step 2: Click on ‘Apply for New Debit Card’.
Step 3: Fill in your account number and mobile number in the online application form thus opened. (Check the image below for reference)

Step 4: Click on ‘Generate OTP’.
Step 5: Enter the OTP thus received on your registered mobile number and follow the steps as they appear on your device’s screen.
UCO Bank Debit Card: Eligibility Criteria
If you have any of the following accounts in UCO Bank, you’ll be eligible to apply for UCO debit cards:
- Savings Account (Individual & Proprietorship)
- Current Account (Individual & Proprietorship)
- Cash Credit Account against Own Deposit Account
- Staff Overdraft Account
Must be a Resident of India, having a valid ID proof (age 18 years minimum)
Types of UCO Bank Debit Cards
The following are the various types of debit cards offered by UCO Bank to its customers:
UCO Bank RuPay Select Personalised Debit Card
- Name-based card issued
- Daily limit: ATM (Rs 50,000) & POS (Rs 2 lakhs)
- Personal Accident & Total Disability Cover: up to Rs 10 lakhs
- Issuance Charges: Rs 1,000 (plus GST)
- Domestic Lounge Access: Twice per quarter
- International Lounge Access: Twice per year
UCO Bank RuPay Select Non-Personalised Debit Card
- Minimum or Avg. Balance Requirement: No restrictions
- Variants:
- International/ General/ Mudra/ Pungrain
- Platinum Insta
- KCC
- Daily ATM Limit:
- International/ General/ Mudra/ Pungrain: Rs 25,000
- Platinum Insta: Rs 50,000
- KCC: Rs 25,000
- Daily POS/E-Comm. Limit:
- International/ General/ Mudra/ Pungrain: Rs 50,000
- Platinum Insta: Rs 1 lakh
- KCC: Nil
- Issuance Charges: Nil
- Re-Issuance Charges: Rs 150 (plus GST)
- Annual Maintenance Charges: Rs 150 (plus GST)
- Can be opened via UCO Bank WhatsApp Banking (8334001234)
UCO Bank RuPay NCMC Debit Card
- Minimum or Avg. Balance Requirement: None
- Can only be used in India
- Daily ATM Withdrawal Limit: Rs 50,000
- Daily POS/E-Comm. Limit: Rs 1 lakh
- Re-Issuance Charges: Rs 150 (plus GST) No Issuance Charges
- Annual Maintenance Charges: Rs 150 (plus GST)
UCO Bank VISA Non-Personalised Debit Card
- Accepted globally
- Daily ATM Withdrawal Limit: Rs 25,000
- Daily POS/E-Comm. Limit: Rs 50,000
- No Issuance Charges
- Re-Issuance Charges: Rs 150 (plus GST)
- Annual Maintenance Charges: Rs 150 (plus GST)
UCO Bank VISA Personalised International Debit Card
- Global customer assistance provided
- Has 4 variants:
- EMV
- ATM Limit: Rs 25,000
- POS Limit: Rs 50,000
- Issuance Charges: Rs 150
- Annual Maintenance Charges (and Re-Issuance Charges): Rs 150
- My Moments
- ATM Limit: Rs 50,000
- POS Limit: Rs 50,000
- Issuance Charges: Rs 250
- Annual Maintenance Charges (and Re-Issuance Charges): Rs 150
- Platinum
- ATM Limit: Rs 50,000
- POS Limit: Rs 1 lakh
- Issuance Charges: Rs 200
- Annual Maintenance Charges (and Re-Issuance Charges): Rs 170
- Signature
- ATM Limit: Rs 50,000
- POS Limit: Rs 1 lakh
- Issuance Charges: Rs 250
- Annual Maintenance Charges (and Re-Issuance Charges): Rs 200
- EMV
- Can be applied online, via WhatsApp and at-the-branch
How to Withdraw Funds using UCO Bank Debit Card?
Follow these steps to withdraw funds using your UCO Bank debit card at an ATM:
Step 1: Go to any ATM nearby.
Step 2: Insert your UCO debit card.
Step 3: Enter your debit card PIN.
Step 4: Select Cash Withdrawal.
Step 5: Select the type of account from which you wish to withdraw funds.
Step 6: Enter the amount.
Some ATMs prompt you to enter PIN at the end of the process, i.e. right after entering the amount. The steps can be modified accordingly.
Wait for the machine to count the notes and dispense. Collect this amount and do not forget to take your card out. Also, make sure to cover the keypad while entering your debit card PIN.
Benefits of Having UCO Bank Debit Card
If you have a UCO debit card, you can make of it in the following ways:
- To check UCO bank balance
- To register for UCO Bank mobile banking
- To withdraw cash at any ATM
- For online shopping
- For shopping at POS
- For contactless shopping/purchases
- To register for UPI
UCO Bank Debit Card: FAQs
There is no such requirement as average or minimum balance requirement for using a UCO Bank debit card.
UCO Bank RuPay Select Non-Personalised Debit Card and VISA Non-Personalised Debit Card do not have any issuance charges. For other debit cards, the charge range between Rs 150 and Rs 250.
When it comes to high waithdrawal and shopping limits with great discounts and offers, UCO Bank RuPay Select Personalised Debit Card ranks the highest.
You can send a ‘Hi’ to UCO WhatsApp number (8334001234) to apply for a UCO Bank debit cum ATM card. Another option is to apply online.
Yes, UCO Bank is a Government of India Undertaking (or PSU).