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UB Negosyante

UB Negosyante

Seamless Banking for MSMEs

11 ratings
16 reviews
💼 Business
💰 Finance
Free

Details

Released
February 17, 2020
Updated
October 27, 2026

Features

Developer

UnionBank of the Philippines
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About

This app simplifies banking for small and medium-sized businesses, allowing users to open accounts, deposit checks remotely, generate QR codes for payments, and manage transfers and bill payments. It offers secure access and real-time transaction monitoring to streamline financial operations.

✓Remote account opening
✓Mobile check deposit
✓QRPH code generation
✓Online payment collection
✓Fund transfers
✓Bill payments
✓Transaction approvals
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What's New in UB Negosyante

3.16.0

October 27, 2026

We’ve made some updates for a more secure and seamless experience!

User reviews

Most RecentHighest RatedLowest Rated

no otp after update

How are we supposed to log in now??????
JJunxDev

Not Secure ! Trust me !

UnionBank of the Philippines’ Negosyante App shows serious security vulnerabilities. At 3 AM, I received an email indicating that my entire account balance had been withdrawn without my consent. 11/19/2025
DDantoyko

Useless app

You are earning millions yet you cannot make your app work. Im trying to enroll a new account and it wont go through. You have a very few branches to accommodate your customers and you cant even make a decent app for self-help!
JJansbzh

Account verification

Cannot finish the account verification. Always having ang error at the final submission.
MTMapuan tanker

Withdrawal is not reflecting

I withdraw 55k money to transfer to my BPI acct it is not still reflecting
Ccyberdriller
See 11 more reviews

Developer apps

UnionBank Online
UnionBank Online

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UnionBank: The Portal
UnionBank: The Portal

UnionBank Business Banking

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EON PH
EON PH

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FAQ

How do I open a business account with UB Negosyante?

You can open a Business Starter account with an initial deposit of PHP 5,000.00 or a Business Check account with an initial deposit of PHP 100,000.00. UB Negosyante is the first Philippine bank to enable customers to open business accounts without visiting a branch.

What are the limits for mobile check deposits with UB Negosyante?

You can deposit checks up to PHP 500,000.00 by simply taking a photo of the check through the app. You will receive status notifications within the app.

How does UB Negosyante facilitate receiving payments?

UB Negosyante allows you to generate your business's QRPH code for instant payments from any participating QRPH banks and e-wallets. You can also create a checkout page for customers to pay using various methods like UnionBank Online, InstaPay, GCash, GrabPay, and more.

What are the options for transferring funds using UB Negosyante?

You can transfer funds to any bank, anytime, without enrollment. Real-time crediting is available for transfers between your accounts or to other UnionBank accounts, up to PHP 50,000.00 via InstaPay. PESONet transfers are credited the same or next business day.

Can I pay bills through UB Negosyante?

Yes, you can pay bills for over 300+ billers, including utilities, phone, and rent, without needing to enroll them. You can also save billers you pay regularly and schedule payments.

How secure is UB Negosyante?

UB Negosyante offers secured access through OTP and biometrics. It also provides self-service options for password resets and profile unblocking, ensuring your account remains protected.

When was UB Negosyante last updated?

The latest version of UB Negosyante is 3.16.0, and it was last updated on October 27, 2026.

Does UB Negosyante have ads?

No, UB Negosyante does not contain advertisements, providing an uninterrupted user experience.