U-Token

Generates otp but the otp when entered in the portal gives an error saying please enter valid token.. and when we call the call center they will ask to branch to fix it ..pathetic service

Union Bank of India, one of the leading nationalized banks in India, has historically been known for introducing digital advancements like U-Token, which offered a secure and convenient alternative to SMS-based OTPs for banking transactions. However, the recent abrupt discontinuation of the U-Token facility without any prior notice to customers raises serious concerns about the bank’s approach to customer service and communication. Lack of Communication and Transparency A crucial aspect of modern banking is proactive communication with customers, especially when it involves changes to security protocols or digital services. The sudden shift back to SMS-based OTPs, without an official announcement or explanation, reflects poorly on Union Bank’s transparency. Customers relying on U-Token for secure and seamless transactions are left confused and inconvenienced. Security Implications U-Token was introduced as a more secure authentication method, mitigating risks associated with SMS-based OTPs, such as SIM card cloning and phishing attacks. The decision to revert to SMS OTPs raises questions about the bank’s commitment to customer security. If the feature was discontinued due to technical issues or policy changes, the bank should have communicated the reasons to instill confidence in its customers. Customer Inconvenience For many customers, the U-Token facility was a preferred method for transaction authentication. Its discontinuation has disrupted their banking experience, forcing them to revert to a less secure and, in some cases, unreliable system. This lack of consistency undermines trust in the bank’s digital initiatives. No Official Declaration In the digital age, customers expect real-time updates on service changes through emails, SMS alerts, or website notifications. The absence of any formal communication or declaration regarding the discontinuation of U-Token is unprofessional and indicative of poor customer management practices. Recommendations for Improvement Transparent Communication: The bank must ensure timely and transparent communication regarding changes to its services, especially those impacting customer security or convenience. Customer-Centric Approach: Decisions affecting customer experience should be taken with adequate consideration of their needs, with alternative solutions readily available. Public Notifications: Service changes should be communicated through multiple channels, including SMS, email, the bank’s website, and soci

This should be kept as the top 1 in the worst apps list. It just crashes. It is not allowing to copy the 6 digit number.

Immediately after login app is crashing, tried multiple times but no use unable to use corporate banking

Recently tried using net banking and the app closes without showing the number. Reinstalled but still same issue

App doesn’t not open

The app refuses to open and shuts down immediately. Please fix this problem immediately.

Last night the new version was uploaded , after update the app crashes on launch

Not working at all after the recent update. Just crashes whenever you try to open it. No other way to do transactions as they have no option of otp. They should arrange alternatives for this

From last few days app is not working.