IFSC Code of Union Bank of India, Credit Card Division HO Mangalore Branch, Karnataka

Below are the complete branch details for Union Bank of India, CREDIT CARD DIVISION HO MANGALORE branch, located in MANGALORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is UBIN0989541. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UBIN0989541 for Union Bank of India – CREDIT CARD DIVISION HO MANGALORE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Union Bank of India – CREDIT CARD DIVISION HO MANGALORE is UBIN0989541. The first four letters UBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 989541 map to this branch in MANGALORE, KARNATAKA.

Branch details at a glance

About Union Bank of India

Union Bank of India operates a wide network of branches across India, including the Credit Card Division HO Mangalore branch in Mangalore. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, UBIN0989541.

About the Credit Card Division HO Mangalore branch

The Credit Card Division HO Mangalore branch of Union Bank of India is situated at MANGALA DEVI TEMPLE ROAD PANDESHWAR. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UBIN0989541 is used.

Why every Union Bank of India branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CREDIT CARD DIVISION HO MANGALORE of Union Bank of India — its own 11-character IFSC. The code UBIN0989541 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC UBIN0989541 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC UBIN0989541

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UBIN0989541 across all three.

NEFT to Union Bank of India, CREDIT CARD DIVISION HO MANGALORE using IFSC UBIN0989541

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UBIN0989541, and confirm that the system picks up Union Bank of India – CREDIT CARD DIVISION HO MANGALORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC UBIN0989541

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Union Bank of India – CREDIT CARD DIVISION HO MANGALORE, ensure your bank's portal accepts IFSC UBIN0989541 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Union Bank of India CREDIT CARD DIVISION HO MANGALORE (IFSC UBIN0989541)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC UBIN0989541 in your mobile or internet banking app, and the money is credited to the CREDIT CARD DIVISION HO MANGALORE branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC UBIN0989541 for Union Bank of India – CREDIT CARD DIVISION HO MANGALORE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Credit Card Division HO Mangalore branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC UBIN0989541

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Union Bank of India – CREDIT CARD DIVISION HO MANGALORE is still mapped to IFSC UBIN0989541. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC UBIN0989541 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Credit Card Division HO Mangalore branch is mapped to IFSC UBIN0989541 on the RBI payments network. The branch generally supports the full retail product catalogue of Union Bank of India, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains UBIN0989541.

Banking services available

The Credit Card Division HO Mangalore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 824-2440825.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC UBIN0989541

MICR & cheque-truncation details

Cheques drawn on the Credit Card Division HO Mangalore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC UBIN0989541 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC UBIN0989541

Union Bank of India customers can register for net banking and the bank's official mobile app once their account at the CREDIT CARD DIVISION HO MANGALORE branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UBIN0989541 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Union Bank of India – CREDIT CARD DIVISION HO MANGALORE:

• The IFSC is exactly UBIN0989541 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Union Bank of India as the bank name and CREDIT CARD DIVISION HO MANGALORE as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Credit Card Division HO Mangalore branch

The branch is located at MANGALA DEVI TEMPLE ROAD PANDESHWAR, which puts it inside Mangalore, the broader Dakshin Kannad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Union Bank of India Credit Card Division HO Mangalore branch” — the verified location pin for IFSC UBIN0989541 should appear at the top of the results.
2. Confirm the branch is open by calling 824-2440825 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC UBIN0989541 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC UBIN0989541 for Union Bank of India – CREDIT CARD DIVISION HO MANGALORE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Credit Card Division HO Mangalore are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to UBIN0989541 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code UBIN0989541 belongs to Union Bank of India's CREDIT CARD DIVISION HO MANGALORE branch, located at MANGALA DEVI TEMPLE ROAD PANDESHWAR in MANGALORE, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.