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UB Negosyante

UB Negosyante

Seamless Banking for MSMEs

9 ratings
16 reviews
💼 Business
💰 Finance
Free

Details

  • Released
  • Updated
  • February 17, 2020
  • June 23, 2026

Features

Developer

UnionBank of the Philippines
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UB Negosyante screenshot #1 for iPhone
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UB Negosyante screenshot #8 for iPhone
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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 help businesses focus on growth.

✓Remote account opening
✓Mobile check deposit
✓QRPH code generation
✓Payment collection via checkout page
✓Scheduled fund transfers
✓Extensive bill payment options
✓Transaction approval management
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What's New in UB Negosyante

3.14.0

June 23, 2026

We've made some enhancements to make the app more secure!

User reviews

Most RecentHighest RatedLowest Rated

no otp after update

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

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 At 3 AM, I received an email indicating that my entire account balance had been withdrawn without my consent. 11/19/2025
DantoykoDantoyko

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!
JansbzhJansbzh

Account verification

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

Withdrawal is not reflecting

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

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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 PHP 100,000.00. This is the first Philippine bank to enable customers to open business accounts without visiting a branch.

What is the maximum amount I can deposit via check using UB Negosyante?

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

Can I receive payments from other banks and e-wallets using UB Negosyante?

Yes, you can generate your business's QRPH code to receive payments instantly 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, and GrabPay.

What are the limits for fund transfers via UB Negosyante?

Transfers between your accounts or to other UnionBank accounts credit in real-time. InstaPay transfers are real-time up to PHP 50,000.00, while PESONet transfers credit on the same or next business day. International USD transfers via SWIFT cost US$ 25.00.

Does UB Negosyante have ads?

Yes, UB Negosyante contains advertisements. As a free service, it utilizes ads to support its operations.

How secure is UB Negosyante?

UB Negosyante employs secured access through OTP and biometrics. It also offers self-service options for password resets and profile unblocking, ensuring a secure banking experience.

What is the update frequency for UB Negosyante?

The app was last updated on March 20, 2026, indicating regular maintenance and feature additions. Users can expect ongoing improvements and support for the latest version.

Is UB Negosyante available on multiple platforms?

UB Negosyante is available on iPhone and iPad devices. A web version is also accessible at https://business.unionbankph.com for broader accessibility.