ACE Money Transfer
ACE Money Transfer
27 Oct 2026
Sending money to a UCO Bank account in India from abroad doesn't have to be complicated. Whether you're supporting family in Mumbai, Punjab, or Maharashtra, or making a payment for business purposes, you have several reliable options to get INR into a UCO Bank account quickly. This guide walks you through the entire process - from choosing the right SWIFT code to completing your first transfer via ACE Money Transfer - so your money arrives safely and on time.
If you need to send money to UCO Bank in India today, here's everything you need to get started. You can use ACE Money Transfer to complete the entire process online, from registration to delivery, in just a few steps. The funds land directly in the recipient's UCO Bank account in INR.
Here's how to send money to UCO Bank using ACE Money Transfer:
Create an online account on the ACE Money Transfer website or app using your email, Google, or Apple ID.
Choose India as your destination country.
Select "Bank Deposit" as your payout method.
Enter UCO Bank as the recipient's bank name, then fill in the account number, account holder's full name, branch name, city, and IFSC code.
Beneficiary details must include the name, account number, and the bank's SWIFT code to ensure proper routing.
Step-by-step process for common sending corridors (UK, EU, Canada, Australia, Gulf, USA):
Register or log in - Sign up on the ACE Money Transfer platform. Complete identity verification (KYC) as required, especially if you're sending from the UK, Europe, North America, or Australia.
Select your corridor - Pick your sending country and set India as the receiving country.
Choose payout method - Select "Bank Deposit" to send money directly to a UCO Bank account.
Enter recipient details - Provide the UCO Bank account number, full name (exactly as per bank records), branch name and city, IFSC code, and SWIFT code if prompted.
Pick a payment method - Pay via debit card, credit card, or online bank transfer from your local bank. Transfers to UCO Bank can be funded via debit or credit card for faster processing.
Add purpose and confirm - Enter the payment reason (required under Indian banking rules), review the exchange rate, fees, and total amount, then confirm and click "Pay Now."
Track your transfer - Receive a unique reference number and monitor the status via the ACE app or website until funds are delivered.
What it costs and how long it takes:
Transfer fees and total costs for UCO Bank transfers vary by corridor and payment method. Check acemoneytransfer.com for current rates and fees.
ACE displays the applicable exchange rate and fees before confirmation.
Exchange rates fluctuate and the rate you receive may differ from any rates quoted. Always check the live rate at acemoneytransfer.com before sending.
Transfer times vary depending on the payment method, destination, and processing requirements.
Digital facilities permit international transfers to be initiated via mobile apps or online banking anytime, so you're not restricted to branch hours or time zones.
Using the correct UCO Bank SWIFT code and accurate account details is essential to avoid delays when sending money to UCO. Always double-check before hitting "Pay Now."
A SWIFT code (also called a BIC code) is a unique identifier that banks use during international money transfers. When you send money to UCO Bank from abroad, the SWIFT code tells the sending bank exactly where the funds should go. SWIFT/BIC codes identify specific banks and branches globally, making them indispensable for cross-border payments.
The UCO Bank SWIFT code consists of 11 characters, broken down as follows:
| Position | Characters | Meaning |
|---|---|---|
| 1–4 | UCBA | The first four letters represent UCO Bank |
| 5–6 | IN | The country code for UCO Bank is "IN" for India |
| 7–8 | BB | Location code (typically headquarters) |
| 9–11 | XXX or branch-specific | Optional branch identifier |
UCBAINBBXXX - The general head office SWIFT code for UCO Bank. UCO Bank's SWIFT/BIC code is UCBAINBBXXX, and this is the most widely used code for international transfers.
UCBAINBB001 - UCO Bank's Treasury Branch on DN Road, Mumbai (359, DN Road, Mumbai 400001).
UCBAINBB216 - UCO Bank branch in Ludhiana, Punjab.
Use a branch-specific SWIFT code (like UCBAINBB001) only when you're certain the recipient's UCO Bank branch has its own code.
If the local UCO Bank branch does not have its own SWIFT, use the head office SWIFT code UCBAINBBXXX along with the branch name, city, and IFSC code. The bank will route the funds internally.
Many international transfers to UCO Bank are routed through the central Mumbai office regardless of the recipient's branch location.
What you need to provide when sending from an overseas bank:
UCO Bank account number
Account holder's full name (exactly as per bank records)
Branch name and city
Correct SWIFT code (branch-specific or head office)
IFSC code of the recipient's branch
The SWIFT network facilitates global money transfers for banks worldwide, and intermediary or correspondent bank charges may apply during the transfer process - particularly on traditional wire transfers. Always verify SWIFT codes on official UCO Bank sources or trusted financial platforms before sending money, because an incorrect SWIFT can delay or block international transfers.
ACE Money Transfer is an online remittance platform that lets you send money to UCO Bank accounts, mobile wallets, or cash pickup locations in India. It's designed for people living abroad who want to send money internationally, with transfer times, fees, and exchange rates varying by provider and transaction details.
Sign up or log in using your email, Google, or Apple ID.
Complete identity verification (KYC) where required. This typically involves uploading a photo ID (passport or driver's licence) and proof of address. Senders in the UK, Europe, North America, Australia, or the Gulf may need additional documentation depending on transfer size.
Choose India as your receiving country.
Select payout method - For UCO Bank, pick "Bank Deposit." Other options include cash pickup (at authorized partner bank branches) and mobile wallet.
Enter recipient details - Account number, full name, branch name and city, IFSC code. The platform handles SWIFT routing for you.
Select payment method - Debit card, credit card, or online bank transfer. Card payments are typically processed faster but may carry a slightly higher fee than bank transfers.
Add payment reason - Required under Indian regulations (RBI/FEMA compliance).
Review and confirm - See the exchange rate, fees, and the total INR amount the recipient will receive. Click "Pay Now."
Track your transfer - Get a unique reference number and monitor status in real time via web or app. You may also receive SMS or email notifications when funds are delivered to the UCO Bank account.
ACE credits the funds in INR directly to the recipient's UCO Bank accountThe applicable exchange rate and fees are displayed before confirmation and may vary by transfer details.
International money transfers are subject to applicable regulations in each jurisdiction. ACE Money Transfer Limited is authorised by the UK FCA as an Authorised Payment Institution (FRN 506692). Verify on the FCA Register. Claims about encryption and safeguarding of customer funds should be supported by current official documentation before publication.
Other providers, such as Wise, offer transfers to Indian bank accounts. Fees and delivery times vary by payment method and transfer details; check Wise’s official transfer page for current fees and estimates. ACE Money Transfer offers international transfers to supported bank accounts in India. Available payment methods, fees, and transfer times depend on the sending country and transfer details. Check the provider’s official website for current options and eligibility.
ACE Money Transfer and traditional bank wires differ in fees, exchange rates, and processing times. Compare current quotes for the same amount, destination, and payment method before sending to UCO Bank.
Getting money to a UCO Bank account in India is straightforward once you know the process. These tips will help you optimise costs, speed, and safety on every transfer you make.
Even small differences in the USD–INR or GBP–INR exchange rate can significantly change how much arrives in a UCO Bank account. Exchange rate margins depend on the differences between bank buying and selling rates, so always check the rate and total fees before you confirm. Outward remittance fees may include service charges and exchange rate margins on top of the base fee.
Verify the recipient's name (as per bank records), UCO Bank account number, branch name, IFSC, and SWIFT code before confirming the payment. Errors in any of these fields can cause delays, reversals, or extra charges. This applies whether you're using ACE, a bank, or any other service.
Transfer speed depends on several things:
Payment method - Card payments are typically faster than bank transfers.
Time of day - Sending during banking hours in India helps.
Compliance checks - Larger amounts may trigger additional verification.
Public holidays - In India or the sending country, holidays will delay processing.
Plan ahead for large or time-sensitive transfers to UCO Bank.
For amounts above 10,000 USD or equivalent, senders may need to provide additional documents like proof of funds or a statement of purpose. All outward remittances must stay within the limits defined by the Liberalised Remittance Scheme under Indian regulations. Application forms are required for outward remittance depending on the purpose, and supporting documents are necessary for remittances based on their purpose under LRS guidelines. Outward remittances are typically processed through authorised foreign exchange branches.
On the Indian side, Tax Collected at Source (TCS) is applicable on remittances under Indian regulations, which may affect outbound transfers from India. UCO Bank’s inward remittance fees may vary by amount and transaction type. Rates and fees may vary. Visit acemoneytransfer.com for current rates.
If the transfer hasn't reached the UCO Bank account within the expected time frame:
Check the transaction status in the ACE app or website using your reference number.
Confirm UCO Bank account details with the recipient - make sure there's no mismatch.
Contact ACE customer support or your sending bank with the reference number for a trace.
Say you're sending monthly support to family in Kolkata or a smaller town in Maharashtra. You set up a recipient in ACE with their UCO Bank savings account details. After the first transfer, the recipient is saved, making future payments faster. You pick the best day of the month, pay by card for speed, and track each transfer from your phone. Over time, this routine saves both money and time compared to visiting a bank branch for wire transfers.
Here are the most common questions people ask about UCO Bank international money transfer, with straightforward answers.
What is the general SWIFT code for UCO Bank in India? The general head office SWIFT code is UCBAINBBXXX. Some branches have their own specific codes - for example, UCBAINBB001 for the DN Road branch in Mumbai. If you're unsure, the head office code combined with the branch IFSC will work for most transfers to UCO Bank.
Do I always need a SWIFT code to send money to UCO Bank? For traditional overseas bank wires, yes - a SWIFT code is required. When using services like ACE Money Transfer, you mainly need accurate UCO Bank account details (account number, name, IFSC), and the platform handles the routing for you. That said, having the correct SWIFT code on hand is always a good practice.
How long does it take to send money to UCO Bank via ACE Money Transfer? Many transfers complete within minutes to a few hours, especially when funded by card. Some transfers may take up to one business day depending on compliance checks, the payment method used, and banking hours in India.
Can I send money to UCO Bank from the USA, UK, Canada, or Europe? Yes. ACE supports major sending countries including the UK, Europe, Canada, and Australia. You can pay by card or bank transfer, and the money is credited in INR to UCO Bank accounts across India - whether the branch is in Mumbai, Punjab, or anywhere else.
What should I do if I entered the wrong UCO Bank account number or SWIFT code? Contact ACE or your sending bank immediately with your transaction reference number. If the transfer hasn't been processed yet, it may be possible to correct the details. Once funds are credited at UCO Bank, corrections become much harder and may require cooperation from both banks.
Is there a maximum amount I can send to UCO Bank? Limits depend on several factors: the sender's country regulations, your ACE account verification level, and Indian rules on inward remittances. For example, in the UK–India corridor, Transfer limits vary by provider, destination, payment method, and verification status. Check your provider’s official guidance for current limits. Regulations may change; please verify current requirements with an authoritative source.
Is it safe to send money to UCO Bank through ACE Money Transfer? ACE Money Transfer Limited is authorised by the UK Financial Conduct Authority (FCA) as an Authorised Payment Institution (FRN 506692) to provide payment services. This authorisation does not mean the FCA endorses ACE or guarantees transfers. Verify on the FCA Register. It uses encryption, secure payment processing, and compliant KYC/AML procedures to protect your money and personal information throughout the transfer process.
Sending money to UCO Bank from abroad is easier than most people think. With the right details - account number, SWIFT code, and IFSC - and a reliable platform like ACE Money Transfer, your money reaches India quickly and at a fair cost.
Join ACE Money Transfer today to send your next payment. Visit the website or download the app, and start sending money to your family's UCO Bank account in minutes.
Disclaimer: This article is intended for general informational and educational purposes only and should not be construed as legal, regulatory, tax, business, or financial advice. While reasonable efforts have been made to ensure that all facts, figures, and data are accurate and valid as of the date of publication, no warranty or guarantee is given as to the ongoing completeness, accuracy, or currency of the information.
The content is based on information available at the time of publication. Regulations, government policies, market conditions, and service offerings may change over time and vary across jurisdictions and providers. As a result, some information may no longer be current or applicable. Readers should independently verify all information and consult qualified professional advisors before making any financial, legal, or business decisions.
