UPI Services

UPI Services


The Visakhapatnam Cooperative Bank offers seamless UPI (Unified Payments Interface) services, empowering customers to conduct instant, secure, and convenient digital transactions. UPI is an advanced payment system developed by the National Payments Corporation of India (NPCI) that allows users to link multiple bank accounts in a single mobile application, enabling 24/7 access to banking services.

Key Features of Our UPI Services

  • Instant Money Transfers: Transfer funds in real-time using your mobile device—anytime, anywhere—without needing bank account details. Transfers can be made using only a Virtual Payment Address (VPA), mobile number, or QR code.
  • Seamless Payments: Pay utility bills, recharge mobile numbers, book tickets, and shop online at participating merchants quickly and securely.
  • Multiple Account Management: Link and manage several bank accounts with a single UPI application.
  • Secure and Private: UPI uses robust authentication and encryption standards, ensuring the highest level of security for each transaction. Sensitive banking details stay protected and are not shared with merchants or third parties.
  • Request for Payments: Customers can send or receive payment requests to/from others, streamlining splitting bills or collecting dues.
  • No Banking Hours Restrictions: Enjoy round-the-clock access to UPI—no transaction limits based on branch working hours.
  • Promotes Digital India: UPI is a core initiative supporting the move towards a cashless, digitally empowered financial ecosystem in India

How to Use UPI with Our Bank

  1. Download a UPI-enabled app
  2. Register your bank account(s) and create a unique Virtual Payment Address (VPA).
  3. Set your UPI PIN to authorize transactions securely.
  4. Start sending or requesting money instantly by entering the recipient’s VPA, mobile number, account number and IFSC, or by scanning a merchant or individual’s QR code.

UPI has transformed the Indian digital banking landscape, making everyday transactions faster, safer, and more accessible for all customers. Enjoy enhanced convenience and control over your finances by activating UPI services today!