Verified Bank Tariff
Union Bank of India Charges & Fees
- Charges verified
- 4
- 4 checked rules · 3 fee categories · 2 account variants
Complete official Schedule of Charges for Union Bank of India. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
Union Bank of India’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
Not verified yet
No official figure checked for this bank.
- RTGS
Not verified yet
No official figure checked for this bank.
- IMPS
Not verified yet
No official figure checked for this bank.
- NEFT
Bank’s figure
Free
- Minimum balance
Union Bank of India, Minimum balance
From Union Bank of India — Basic Savings Bank Deposit Account Small Accounts (BSBDS)
Verified
Bank’s figure
Free
- Cheque return
Not verified yet
No official figure checked for this bank.
- Locker rent
Not verified yet
No official figure checked for this bank.
Verified Fee Categories for Union Bank of India
Debit card charges2 checked entries
Basic Savings Bank Deposit Account — Small Accounts (BSBDS) · Other
₹0 (Free)
Trigger Condition
Union Bank BSBDS debit card only.
Verified on 2026-08-15
Basic Savings Bank Deposit Account — Small Accounts (BSBDS) · Other
₹0 (Free)
Trigger Condition
Union Bank BSBDS debit card only.
Verified on 2026-08-15
Minimum balance charges1 checked entry
Basic Savings Bank Deposit Account — Small Accounts (BSBDS) · General
₹0 (Free)
Trigger Condition
Union Bank Basic Savings Bank Deposit Account — Small Accounts (BSBDS) only.
Verified on 2026-08-15
NEFT charges1 checked entry
Elite Salary Account · General
₹0 (Free)
Trigger Condition
Union Bank of India Elite Salary Account only. The current official page lists NEFT/RTGS/IMPS/Demand Draft as free. No channel or effective date is inferred beyond the exact current product benefit.
Verified on 2026-08-15
What Union Bank of India prints on your statementStatement narrations · 4 decoded
4 narrations decoded against Union Bank of India's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
DEBIT CARD AMCThe annual maintenance charge for keeping your debit card active. It is charged once a year whether or not you use the card.
DEBIT CARD FEEA one-time fee charged when a debit card is issued to you.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
Annual Account Leakage AuditHow much is Union Bank of India quietly deducting every year?
How much is Union Bank of India quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official Union Bank of India tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at Union Bank of IndiaDispute & Refund Assistance · RBI three-level route
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email Union Bank of India customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to Union Bank of India's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (Union Bank of India)4 questions
What is the minimum balance (AMB) requirement in Union Bank of India?
In Union Bank of India, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for Union Bank of India?
Annual debit card charges at Union Bank of India depend on the issued card variant (Classic, Platinum, Millennia, or Signature) plus 18% GST. Customers can also request basic RuPay Classic cards which feature nil or minimal AMC under RBI financial inclusion norms.
Can Union Bank of India deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), Union Bank of India is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by Union Bank of India?
To dispute a wrongful deduction at Union Bank of India: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to Union Bank of India's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).