---
title: "U-Token - Reviews, Revenue and Downloads in India | Apple App Store"
description: "U-TOKEN: An easy-to-use Two-Factor Authentication solution for Union Bank of India Internet Banking.  U-TOKEN is an OTP generation application for authorizing login/transactions done on Union Bank of "
---

# U-Token — India
> Union Bank of India UToken

![U-Token App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/ce/62/b9/ce62b988-ff6c-e81b-0a41-865c2bc11eb7/AppIcon-0-0-1x_U007emarketing-0-9-0-85-220.png/434x0w.png)

**Developer:** [Union Bank of India](https://apptail.io/developer/union-bank-of-india-gfA) (India)
**Category:** Finance
**Rating:** 2.0/5 (95 ratings)
**Price:** Free
**Bundle ID:** com.iz.utoken
**Store:** Apple App Store
**Country:** India
**Version:** 2.9.2 (released 2025-09-25)
**Original Release:** 2021-02-01
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id1546366799)
**AppTail Page:** [https://apptail.io/app/u-token-ihqb/india](https://apptail.io/app/u-token-ihqb/india)

## U-Token Description
U-TOKEN: An easy-to-use Two-Factor Authentication solution for Union Bank of India Internet Banking.

U-TOKEN is an OTP generation application for authorizing login/transactions done on Union Bank of India Internet Banking portal. (Internet Connectivity is required for the application to function) .

Registration Process:

1. Login to Union Bank of India Internet Banking. Go to Personal Security Settings > U-Token > Step1 U-Token Registration & complete registration in Internet banking.

2. On successful registration, confirmation SMS will be sent to your registered mobile number. Download & install U-Token app on your mobile. Tap New User? Register Here & complete registration in app.

3. Login to Union Bank of India Internet Banking and enable U-Token services under Personal Security Settings > U-Token > Step2 Enable U-Token.

4. Now, U-Token will be the Two Factor Authentication instead of OTP for authorizing your Internet Banking transactions.

5. Users having view facility; Go to General Services > Service requests > Step1 U-Token Registration.

Download U-TOKEN now to use the hassle free OTP service independent of mobile network service providers.

Now, never miss a transaction waiting long for undelivered OTPs through SMS. Download Union Bank of India U-Token now.

(PLEASE NOTE: PRESENTLY THIS SERVICE IS AVAILABLE ONLY FOR INTERNET BANKING PORTAL)

## U-Token Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/77/7c/7c/777c7c1a-fd6f-5a37-3709-6a341dac0cca/9f43e74e-d7b2-4742-aa72-00d632db39e5_Simulator_Screen_Shot_-_iPhone_11_Pro_Max_-_2022-05-11_at_14.11.32.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f5/86/15/f58615a0-03b7-521e-72b3-36464e70a76d/Home.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/5e/dd/21/5edd2138-e803-5b18-3086-0d4b7006f3c4/ba9982b8-c9e3-4a95-b5f3-d657a7d38ed8_Simulator_Screen_Shot_-_iPhone_11_Pro_Max_-_2022-05-11_at_14.12.57.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/31/67/07/3167078c-643d-5bb6-39a4-450556a8dd1d/f546b538-1e10-4732-8bcf-61c6b80ba79d_Simulator_Screen_Shot_-_iPhone_11_Pro_Max_-_2022-05-11_at_14.13.06.png/1242x2688.png)

## U-Token Rating Breakdown in India
- 5 stars: 17 (18%)
- 4 stars: 3 (3%)
- 3 stars: 4 (4%)
- 2 stars: 5 (5%)
- 1 stars: 66 (69%)

## U-Token Reviews in India

### *---- "Not working"
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
-- @₹373, 2024-12-31

### *---- "Utoken Facility Stopped By UBI"
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
-- Shivnani Bharat, 2024-12-15

### *---- "Worst app"
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.
-- KSundip, 2024-12-09

### *---- "App is crashing"
Immediately after login app is crashing, tried multiple times but no use unable to use corporate banking
-- Anjaneyulu6117, 2024-11-13

### **--- "Utoken not showing"
Recently tried using net banking and the app closes without showing the number. Reinstalled but still same issue
-- Kallarz, 2024-11-02

### *---- "App crashes"
App doesn’t not open
-- Pankajpatel 1, 2024-10-06

### *---- "App crashing after latest release.Please fix asap. Thank you"
The app refuses to open and shuts down immediately. Please fix this problem immediately.
-- Blbn, 2024-10-03

### *---- "New version is crashing"
Last night the new version was uploaded , after update the app crashes on launch
-- Vignesha Gurudas, 2024-10-01

### *---- "Worst app"
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
-- Sg rk, 2024-10-01

### *---- "Not working"
From last few days app is not working.
-- sameer thatai, 2024-09-30

[View all U-Token reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## U-Token Discovered Keywords
- u-token

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## U-Token Available In
- [India](https://apptail.io/app/u-token-ihqb/india)
- [United Arab Emirates](https://apptail.io/app/u-token-ihqb/united-arab-emirates)
- [United States](https://apptail.io/app/u-token-ihqb/united-states)
- [Nigeria](https://apptail.io/app/u-token-ihqb/nigeria)
- [South Korea](https://apptail.io/app/u-token-ihqb/south-korea)
- [Belgium](https://apptail.io/app/u-token-ihqb/belgium)
- [Bulgaria](https://apptail.io/app/u-token-ihqb/bulgaria)
- [Brazil](https://apptail.io/app/u-token-ihqb/brazil)
- [Belarus](https://apptail.io/app/u-token-ihqb/belarus)
- [Canada](https://apptail.io/app/u-token-ihqb/canada)
- [Switzerland](https://apptail.io/app/u-token-ihqb/switzerland)
- [China](https://apptail.io/app/u-token-ihqb/china)
- [Colombia](https://apptail.io/app/u-token-ihqb/colombia)
- [Czechia](https://apptail.io/app/u-token-ihqb/czechia)
- [Germany](https://apptail.io/app/u-token-ihqb/germany)
- [Denmark](https://apptail.io/app/u-token-ihqb/denmark)
- [Dominican Republic](https://apptail.io/app/u-token-ihqb/dominican-republic)
- [Algeria](https://apptail.io/app/u-token-ihqb/algeria)
- [Ecuador](https://apptail.io/app/u-token-ihqb/ecuador)
- [Egypt](https://apptail.io/app/u-token-ihqb/egypt)
- [Spain](https://apptail.io/app/u-token-ihqb/spain)
- [Finland](https://apptail.io/app/u-token-ihqb/finland)
- [France](https://apptail.io/app/u-token-ihqb/france)
- [United Kingdom](https://apptail.io/app/u-token-ihqb/united-kingdom)
- [Greece](https://apptail.io/app/u-token-ihqb/greece)
- [Hong Kong SAR China](https://apptail.io/app/u-token-ihqb/hong-kong)
- [Hungary](https://apptail.io/app/u-token-ihqb/hungary)
- [Indonesia](https://apptail.io/app/u-token-ihqb/indonesia)
- [Ireland](https://apptail.io/app/u-token-ihqb/ireland)
- [Israel](https://apptail.io/app/u-token-ihqb/israel)
- [Iceland](https://apptail.io/app/u-token-ihqb/iceland)
- [Italy](https://apptail.io/app/u-token-ihqb/italy)
- [Japan](https://apptail.io/app/u-token-ihqb/japan)
- [Kuwait](https://apptail.io/app/u-token-ihqb/kuwait)
- [Kazakhstan](https://apptail.io/app/u-token-ihqb/kazakhstan)
- [Lebanon](https://apptail.io/app/u-token-ihqb/lebanon)
- [Mexico](https://apptail.io/app/u-token-ihqb/mexico)
- [Malaysia](https://apptail.io/app/u-token-ihqb/malaysia)
- [Netherlands](https://apptail.io/app/u-token-ihqb/netherlands)
- [Norway](https://apptail.io/app/u-token-ihqb/norway)
- [New Zealand](https://apptail.io/app/u-token-ihqb/new-zealand)
- [Peru](https://apptail.io/app/u-token-ihqb/peru)
- [Philippines](https://apptail.io/app/u-token-ihqb/philippines)
- [Pakistan](https://apptail.io/app/u-token-ihqb/pakistan)
- [Poland](https://apptail.io/app/u-token-ihqb/poland)
- [Portugal](https://apptail.io/app/u-token-ihqb/portugal)
- [Qatar](https://apptail.io/app/u-token-ihqb/qatar)
- [Romania](https://apptail.io/app/u-token-ihqb/romania)
- [Russia](https://apptail.io/app/u-token-ihqb/russia)
- [Saudi Arabia](https://apptail.io/app/u-token-ihqb/saudi-arabia)
- [Sweden](https://apptail.io/app/u-token-ihqb/sweden)
- [Singapore](https://apptail.io/app/u-token-ihqb/singapore)
- [Thailand](https://apptail.io/app/u-token-ihqb/thailand)
- [Türkiye](https://apptail.io/app/u-token-ihqb/turkey)
- [Taiwan](https://apptail.io/app/u-token-ihqb/taiwan)
- [Ukraine](https://apptail.io/app/u-token-ihqb/ukraine)
- [Vietnam](https://apptail.io/app/u-token-ihqb/vietnam)
- [South Africa](https://apptail.io/app/u-token-ihqb/south-africa)
- [Argentina](https://apptail.io/app/u-token-ihqb/argentina)
- [Austria](https://apptail.io/app/u-token-ihqb/austria)
- [Australia](https://apptail.io/app/u-token-ihqb/australia)
- [Azerbaijan](https://apptail.io/app/u-token-ihqb/azerbaijan)

---

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