BHIM UCO UPI

Now your favourite UCOUPI has changed to BHIM UCOUPI with better user experience

UCO BANK · com.lcode.ucoupi

Not rated yet 1M+ downloads v1.5.6 78.2 MB Android 10+ PEGI 3 · Everyone

Download APK 78.2 MB All versions

Signature matches the Google Play version Details

At a glance

Latest version: v1.5.6 (58)
Updated: Feb 2, 2026 (8 months ago)
APK size: 78.2 MB
Requires: Android 10+ (API 29)
CPU support: x86 32-bit, x86 64-bit, ARM 32-bit, ARM 64-bit
Category: Finance (app)
Listed since: Jan 6, 2021 (at least)
Permissions: 22 (10 sensitive)
Website: ucobank.com
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

BHIM UCO UPI is an app by UCO BANK in the Finance category, listed since at least January 2021. It includes native code for x86 32-bit, x86 64-bit, ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

Since version 1.4.0, the APK grew from 31 MB to 78.2 MB and the minimum Android version rose from 5.0 to 10. It asks for 22 permissions, 10 of them sensitive, including precise location, camera and read contacts. Compared with version 1.5.0, it adds 3 new permissions: “Control vibration”, “Use biometric hardware” and “Use fingerprint hardware”.

What's new in v1.5.6

New Features such as UPI PIN Set using UIDAI Face Authentication, UPI Payment using Biometric Authentication

Description

From the listing uploaded by “appupdater”.

UCO Bank launches official UPI-Unified Payment Interface app for all banking needs of customer. UCO Bank is a commercial Bank and a Government of India undertaking and providing various services to its customers. BHIM UCO UPI-Unified Payment Interface allows customers to Pay/Collect money using Virtual Private Address. Virtual Private Address is unique for each customers account. Customer can download the UPI app and install it in device(Mobile/ Tablets). While doing the registration, UPI app communicates with NPCI in encrypted data format. The customer has to create virtual address and complete profile information. The customer can add UPI enabled Bank accounts based on their Mobile Number registered in banks. After adding the bank account, it has to verified using debit card information and set MPIN using OTP. After debit card verification, the customer can pay/collect to other bank accounts. The customer can do the balance enquiry. UPI uses IMPS as underlying base. The customer can use P2P(using MMID and Mobile of Remitter), P2A(using IFSC and account), P2U (AAdhar payments) and VPA(Virtual Private Address) for doing payments. The customer can initiate collect request to other UPI customer. It will appear in Collect Authorisation option where user can accept or reject requests. The transaction history shows details of all payment and collect requests. Using Add beneficiary, the customer can add beneficiary of other banks for doing payments. The Unified Payment Interface allows payments to be initiated by the payer, or by the payee. In the basic payee initiated flows, the payment request is routed by the initiating application through the NPCI switch to the payer for approval. However, in certain instances, where it is possible to connect with the payer immediately, it is preferred that the payee sends a payment request to the payer, who can then initiate the payment request with his credentials. Unified Payments Interface (UPI) is an architecture and a set of standard APIs to facilitate the next generation online immediate payments leveraging trends such as increasing smartphone adoption, Indian language interfaces, and universal access to Internet and data. UPI is launched by National Payments Corporation of India with Reserve Bank of India's vision of migrating towards a 'less-cash' and more digital society. NPCI has built on the Immediate Payment Service(IMPS) platform through which one could transfer money instantly by going online-by adding another layer that allows easy debit capability even on mobile phones. Bank as a part of digital banking, is introducing QR code for its BHIMUCOUPI. This will facilitate in leveraging quick fund transfer and healthy replacement of PoS (Point of Sale).

Version history

5 versions are listed, going back to v1.4.0. Since v1.5.6 it requires Android 10+.

v1.5.6 LATEST Feb 2, 2026 78.2 MB TRUSTED v1.5.0 Feb 1, 2026 69.8 MB TRUSTED v1.4.6 Jun 21, 2026 65.2 MB TRUSTED v1.4.2 Dec 11, 2025 45.4 MB TRUSTED v1.4.0 Jan 19, 2026 31 MB TRUSTED

All 5 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on Feb 2, 2026.
Certificate issued to “Bank” This is the certificate of the Google Play version.
Same certificate as the 4 other versions checked

Store checks and file details

Developer signature verified Feb 2, 2026
Validated against Google Play Feb 2, 2026
Signed byCN=UCO Bank, OU=Mobile Developer, O=Bank, L=Kolkatha, ST=West bengal, C=IN
Signing certificate (SHA-1)FC:70:3F:FC:E4:64:60:F8:BD:4F:15:02:C9:26:CC:DD:DE:57:71:C9
File MD5fb0ccd1aef1925b5d23561fb16dc27d6
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (4 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (22)

BHIM UCO UPI requests 22 permissions, 10 of them sensitive.

Approximate location Sensitive android.permission.ACCESS_COARSE_LOCATION
Camera Sensitive android.permission.CAMERA
Find accounts on the device Sensitive android.permission.GET_ACCOUNTS
Precise location Sensitive android.permission.ACCESS_FINE_LOCATION
Read contacts Sensitive android.permission.READ_CONTACTS
Read phone status and identity Sensitive android.permission.READ_PHONE_STATE
Read sms Sensitive android.permission.READ_SMS
Receive sms Sensitive android.permission.RECEIVE_SMS
See all installed apps Sensitive android.permission.QUERY_ALL_PACKAGES
Send sms Sensitive android.permission.SEND_SMS
Control vibration android.permission.VIBRATE
Full network access android.permission.INTERNET
Hide overlay windows android.permission.HIDE_OVERLAY_WINDOWS
Internal broadcast protection (app-defined) com.lcode.ucoupi.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Network android.permission.NETWORK
Prevent the device from sleeping android.permission.WAKE_LOCK
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Show notifications android.permission.POST_NOTIFICATIONS
Use biometric hardware android.permission.USE_BIOMETRIC
Use fingerprint hardware android.permission.USE_FINGERPRINT
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Camera android.hardware.camera
Basic touch input android.hardware.faketouch
Location android.hardware.location
Portrait screen android.hardware.screen.portrait
Telephony (SIM) android.hardware.telephony
Wi-Fi android.hardware.wifi

BHIM UCO UPI APK: questions and answers

Is there a version of BHIM UCO UPI for older Android phones?

The current version needs Android 10 or later. Version 1.5.0 is the newest listed build that installs on Android 9 and later. Get version 1.5.0 · All versions

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the BHIM UCO UPI APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 4 other versions checked. After downloading, check that the file's MD5 is fb0ccd1aef1925b5d23561fb16dc27d6.