Union Bank of India Reviews 

Union Bank of India (UK) Ltd are providing the best rates. I have used them for a couple of years and received matured bond funds ok. The delay in confirming deposits have been received is because they need to check that the deposits are valid.

It's tough , but push past the 90s website and the snail's pace of response to emails and someone may eventually give you a call to confirm your security details.This is when it started moving for me. Took almost three weeks but they honoured the interest rate quoted at the very beginning of the process. Patience is a virtue.

AVOID THE INCOMPETENT UNION BANK OF INDIA UK
I completed a Union Bank of India - Application Form for a 2 Year Fixed Rate Bond @ 6% Interest Rate.
I sent UBI the Application Form with all the required Enclosures: Photocopy of my Passport. And Original Water Bill. And Current Account Cheque.
UBI received the Application Form with all the required Enclosures on Friday 10th November 2023. Sent by Royal Mail delivery. Signed-For by ZANA.
12 days later, Neethu of UBI emailed me asking me to "provide the account statement showing enough balance for creation of fixed deposit"
Most Banks, and The Financial Ombudsman Service (FOS) use the concise English phrase "Please provide Proof of Funds"
Proof of Funds is not a requirement. Instead, UBI should have processed my Application Form on 10th November 2023. And UBI should have cleared / presented the Cheque to my bank.
I WONDER WHAT UBI HAS DONE WITH THE CHEQUE THAT UBI RECEIVED 12 DAYS AGO?
Having waited 10 days until Monday 20th November 2023 for the Cheque to clear. I instructed my bank to put a STOP on the Cheque. And I have invested my money in a 2 Year Fixed Rate Bond in a contrastingly competent Building Society instead of the INCOMPETENT Union Bank of India.

Similar to some other reviews here, applied for 1 year fixed rate bond in UK. Sent in required documentation via email. Response is that an update was made, more documentation is required despite that provided being what was requested, and that the application is being processed.

This has gone on for over a week. Emailing the provided address gets no response. Phoning the provided number gets through to a full phone mailbox which hangs up. Following the application link gets a generic "In progress" response.

They seem to be very chaotic, rather than deliberately criminal.

For example:
* Passwords are limited to 8 characters for the application process which seems very insecure.
* emails are sent using a background HTML style shade of blue so as to make all links (web URLs and email) illegible.
* There's no way to contact them

I'm unable to trust my money with this outfit.
Applied for a 1year fixed savings account at the 6.05% interest rate displayed on top savings websites. Completed lengthy online application but, when I attempted to transfer funds, my own bank flagged that they were unable to verify the bank details. Union Bank's website was then taken offline, attempts to reach them by telephone were unsuccessful (line was dead). When the website eventually returned, the rate had been revised downward to 5.9%. The small print in their application states that the rate which would be applied to the deposit would be that prevailing at the time of completion – which effectively allows them to attract deposits at an advertised competitive % then apply whatever rate they please. Their rather dodgy-looking website STILL shows a rate of 6.05%, nearly a week later! Phone lines still down. No way will I place money with such a disorganised, and possibly unscrupulous, setup. Have taken my business elsewhere.

Applied for a fixed rate bond. Online application process was long and laborious. And after all that I get a 'unique bond number' and ....... nothing. Chased them a few days later and in reply got a long winded 'you failed the verification check and need to therefore do the following' email . NO: I have had no such problems with any other financial institution. And I am not about to spend another 60 minutes on this. Yes, the rate was slightly better [ 0.1% better] than the next best one but its just not worth hours of your life trying to get the small extra return. JUST DON'T!

I invested in a bond exactly one year ago.
The Bank is not as sleek and polished as others... that is, the Web interface looked slightly dubious.
Email and website in basic text. Then a login sent in 2 emails.
But I can assure anyone, despite the emails etc not looking fabulous, a year to the day that I invested 5k, I received £5230 into my bank account.
If you were feeling apprehensive (I felt quite scared having received basic emails) don't be. Be sure to go through official website. I'm relieved, and delighted in equal measure.

They claim to offer good rates. I submitted an application with full ID details, which has been good enough for every other bank, but was rejected. Be warned it looks like these people get your personal data, including bank account, driving licence etc then do not open an account.

In case a transaction fails but debited from your account, consider that money is taken by Union bank. They will reply that the transaction is successful but as a customer we will not be able to see the transaction because of technical error. The customer support will avoid your calls by saying application is down or complaint is in progress thereby making you wait for years. They don’t follow rbi rules in returning the money or the penalty they are accountable. Branch managers are rude and they literally answered they cannot answer for technical error but they were not able transaction on their side as well. So called back end team are the one saying transaction is successful but the status is timed out when I check. RIDICULOUS.

Mr.Karan from customer care center talked to me in a very rude way.
Kindly take proper action against him.
He troubled me at 1.00 AM TO 1.15 AM ON 06/09/2023.
DR.VIPIN KUMAR PAREEK
SENIOR SURGEON
UNION BANK BRANCH IFCS:UNIB0903680
Ghatkopar west
Mumbai
400086
My reg.mobile number
9833001852
My complaint was to solve my problem with ur vyom apply.Not able to register.
Mr.KARAN repeatedly said
सयम रखिये
आशा रखिये
just to irritate a 73 years old doctor customer.

IMT Manesar Gurgaon
Very bad service and very bad behavior of staff union bank of India IMT Manesar Gurgaon
If will say for any work than bank staff will say go your barch but if bank same than why they say go your branch bank for any work I want to say u are my employee I am not your employee because you are taking money from me for any work I am not taking money from you OK so that it is not good

Great bank service. Have been a loyal customer for a while. Maybe if I was being very critical, they need to increase their staff.

There is no zero rating available, so I could not give zero.

Hopeless app and cards of union Bank. They should change their IT department.

Customer care department is hopeless. You can't reach them / They don't respond easily.

IT WAS ALL WELL when it was Corporation Bank.

Unqualified staff. Dint know how to help customers sitting on front desk. This happened in mazgaon branch where i went to activate mob banking app. Finally i was sent back with no fruitful result. Pls hire qualified, dignified and helpful staff. Need of this hour

They fob you off with, being so busy, they will phone you back. They don't.
I am writing to the FCA seeking suspension of their UK retail licence.
I urge others similarly suffering from this totally disinterested bank to do the same.

Monster! this bank is really a extra headache in your life
i have my and my wife both account you cant contact with customer care no any message for transaction you cant easly download their mobile application lots of trouble i will not suggest anyone to open account in this bank me my self gonna close and gonna choose another bank for my savings

I am a savings bank holder for the last 12 years in UBI. I am not able to process my online banking transactions. I have communicated with the branch manager, customer care center, IT cell, regional redressal officer, and chief redressal officer and even filed a complaint to the grievance redressal cell, but they are not able to solve my problem. More than one month has passed. Most irresponsible behavior and ignorance from a government bank as expected. All government banks should be privatized and the existing employees should be laid off.

Opened a bond with UBI UK as they were offering the highest rate across the market a couple of months ago. Customer service was actually ok and confirmed receipt of an initial small deposit and then full funds. Didn't expect customer service on a par with main UK banks but it was still ok. If you want the highest savings rate with a smaller provider there will usually be some level of compromise like fewer/no branches, account set up that is more clunky etc. Think some of the comments alluding to the bank being a scam and running away with customer funds are a bit unfair and out of proportion. Also, they are protected by the FSCS scheme

Like others I attempted to open a fixed rate savings account. I phoned them three times. Each time I was greeted with a recorded message to leave a message. I left a message and never heard anything more except for computer generated emails. I decided this bank was best forgotten.

We can’t vouch for the varied experiences of other customers in dealing with this bank, but from our own perspective and recent experience, (my wife and self) their service has been nothing short of amazing and excellent in all areas we worked with them, so a big thank you to the Jandiala Manjki branch (Punjab) for this, specifically the immensely knowledgeable (and youthful) manager and very courteous and equally knowledgeable deputy manager, both of whom have demonstrated the highest level of professionalism that one could expect from a bank in all our dealings with them. You sir(s) are both tremendous assets to the bank having, we believe,an impressive level of excellence in your respective roles. We hope the bank recognize this rare talent and thank you once again for making our visit and experience a pleasant one.Finally, thank you again, for managing our transaction so smooth and flawlessly. Well done UBI.