# UB Negosyante — Seamless Banking for MSMEs > Digital banking solution for Philippine SMEs to manage accounts, payments, and transfers. (iPhone/iPad app by UnionBank of the Philippines.) - Source: https://appshunter.io/ios/app/ub-negosyante/id1498905979 (this page in markdown: same URL + `.md`) - Developer: [UnionBank of the Philippines](https://appshunter.io/developer/585167696) - Category: Finance, Business - Price: Free - Rating: 4.90/5 from 9 App Store ratings · 16 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 180 MB - Languages: American English - Released: 2020-02-17 - Data updated: 2026-08-01 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/ub-negosyante/id1498905979/reviews.md ## What is UB Negosyante? Designed to take the hassle out of banking so you could focus on growing your business. Enjoy seamless experience with UB Negosyante SME Business Banking. Open an account • First Philippine Bank to enable customers to open business accounts without going to the branch • Choose between Business Starter with an initial deposit of PHP 5,000.00 or Business Check with an initial deposit of PHP 100,000.00 Deposit Checks • Deposit checks up to PHP 500,000.00 • Deposit checks by taking a photo via the app • Get notified of your status through the app Generate QRPH • Generate your business' QRPH code and receive payments instantly • Collect payments from any participating QRPH banks and e-wallets Request Payments • Collect payments with your own checkout page • Provide your customers the option to choose between UnionBank Online, InstaPay, GCash, GrabPay, Debit or Credit Card, Palawan Express, and more • Monitor your payments and get notified in real-time Transfer Funds • Save your frequent recipients • Schedule your transfers • Transfer funds to anyone, to any bank, any time, without any enrollment or going to the branch • Real-time crediting for transfers between your accounts or other UnionBank accounts • Transfer real-time up to PHP 50,000.00 via InstaPay • Transfer to anyone with PESONet. Same or next business day crediting • Transfer U.S. Dollars to other local banks via PDDTS for only US$ 2.00 • Transfer U.S. Dollars internationally via SWIFT for only US$ 25.00 Pay Bills • Select from over 300+ billers • Pay your utility, phone, rent, and more • No need to enroll billers • Save billers you regularly pay • Schedule your regular payments Approvals • Manage transactions that require your approval View Accounts • View all your account balances in one place • Real-time monitoring of your transactions Security • Secured access enabled by OTP and biometrics • Self-service password reset and profile unblocking 2023 Best Bank For SMEs in the Philippines by 2023 Asiamoney 2023 Mobile Banking & Payment Initiative of the Year by Asian Banking & Finance 2022 Outstanding Digital CX Payments by The Digital Banker 2022 SME Bank of the Year by Asian Banking and Finance 2021 SME Bank of the Year by Asian Banking and Finance 2021 SME Bank of the Year by EFMA 2021 Best Bank for SMEs by Asiamoney 2021 Best Mobile Banking Technology by Asian Banking and Finance Also available on the web: https://business.unionbankph.com Union Bank of the Philippines is regulated by the Bangko Sentral ng Pilipinas. For inquiries and comments, reach out to us through UnionBank Business Support at business@unionbankph.com or (02) 8-667-2668. Member: PDIC. Maximum deposit insurance for each depositor: PHP 1,000,000. ## Key features - Remote account opening - Mobile check deposit - QRPH code generation - Payment collection via checkout page - Scheduled fund transfers - Extensive bill payment options - Transaction approval management ## Recent user reviews (10 of 16) All indexed reviews: https://appshunter.io/ios/app/ub-negosyante/id1498905979/reviews.md ### 1/5 — no otp after update *2026-03-04, version 3.12.0* How are we supposed to log in now?????? ### 1/5 — Not Secure ! Trust me ! *2025-11-18, version 3.9.0* 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 ### 1/5 — Useless app *2025-01-10, version 3.4.1* 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! ### 2/5 — Account verification *2024-11-13, version 3.4.0* Cannot finish the account verification. Always having ang error at the final submission. ### 1/5 — Withdrawal is not reflecting *2024-10-12, version 3.4.0* I withdraw 55k money to transfer to my BPI acct it is not still reflecting ### 1/5 — App bug cannot transfer vis instapay *2024-09-26, version 3.3.0* App says account number should not contains space where in the first place the app itself make a spaces between account number and u cant proceed with transfer how can we use this so useless! ### 1/5 — Registration Process *2024-07-14, version 3.1.1* The regustration process is worst! I cannot sign up to tgeir online banking, I really need to have a business account but the system is very inconvenient!!! ### 2/5 — Downtime too frequent lately *2024-04-12, version 3.1.0* I dont know if this has something to do with the merger with citi but the frequent crashes and downtime of the UB negosyante app has been a great inconvenience to our business. We cant monitor our funds and issued checks properly. They need to get their stuff together ASAP ### 1/5 — Server error *2024-04-05, version 3.1.0* Cant access the app for 2 days already. Calling their customer service but it says account number invalid. ### 1/5 — i cannot submit a form *2024-02-22, version 3.1.0* it always says parameter missing tsk ## Frequently asked questions about UB Negosyante ### 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. ## Version history (last 5 releases) ### 3.14.1 — 2026-07-30 We’ve made some enhancements for a more seamless experience! ### 3.14.0 — 2026-06-23 We've made some enhancements to make the app more secure! ### 3.13.2 — 2026-06-01 We fixed some bugs and enhanced security for a more seamless experience. ### 3.13.1 — 2026-05-21 We fixed some bugs and enhanced security for a more seamless experience. ### 3.13.0 — 2026-05-19 We fixed some bugs and enhanced security for a more seamless experience. ## Apps similar to UB Negosyante | App | Rating | Price | Category | | --- | --- | --- | --- | | [TayoCash](https://appshunter.io/ios/app/tayocash/id1547566625) | 5.0 (2) | Free | Finance | | [Lista PH](https://appshunter.io/ios/app/lista-ph/id1580527951) | 4.0 (3) | Free | Finance | | [New BizLink](https://appshunter.io/ios/app/new-bizlink/id6544792431) | — | Free | Finance | | [BDO Business](https://appshunter.io/ios/app/bdo-business/id6443810850) | 1.0 (2) | Free | Finance | | [BPI Bizko](https://appshunter.io/ios/app/bpi-bizko/id1589740001) | — | Free | Finance | | [UnionDigital Bank (UD)](https://appshunter.io/ios/app/uniondigital-bank-ud/id1631487699) | 2.4 (5) | Free | Finance | ## More apps by UnionBank of the Philippines - [UnionBank Online](https://appshunter.io/ios/app/unionbank-online/id1242291412) - [UnionBank: The Portal](https://appshunter.io/ios/app/unionbank-the-portal/id1414116892) - [EON PH](https://appshunter.io/ios/app/eon-ph/id1578433170) All apps by UnionBank of the Philippines: https://appshunter.io/developer/585167696 ## Related topics [union bank philippines](https://appshunter.io/ios/topics/union-bank-philippines) · [security bank of kansas city](https://appshunter.io/ios/topics/security-bank-of-kansas-city) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-01.*