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UnionBank Online

UnionBank Online

Secure, Easy & Smart

3.9K ratings
299 reviews
💼 Business
💰 Finance
Free

Details

Released
August 15, 2017
Updated
October 7, 2026

Features

Background Location Access

Developer

UnionBank of the Philippines
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UnionBank Online screenshot #1 for iPhone
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UnionBank Online screenshot #10 for iPhone
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About

Manage your finances conveniently from your mobile device. Open accounts, deposit checks, transfer funds, and pay bills with ease. Securely monitor your accounts, cards, and loans with advanced features like biometrics and OTP.

✓Open accounts in-app
✓Deposit checks 24/7
✓Manage accounts and cards
✓Transfer funds and pay bills
✓Request payments and split bills
✓Schedule branch visits
✓Secure access with biometrics
Show original description

What users say about UnionBank Online

Reviews of UnionBank Online are mixed: the Finance app is rated 4.8/5 from 3.9K App Store ratings. What users like most: fast and efficient, user-friendly interface. Top complaints: frequent app crashes and bugs, slow response times and loading issues. Summarized from real user reviews.

Positive things

  • 🚀Fast and efficient
  • 👍User-friendly interface
  • 🔒Secure transactions
  • 💡Convenient features like in-app OTP
  • 🌍Reliable for overseas users

Negative things

  • 🐛Frequent app crashes and bugs
  • ⏰Slow response times and loading issues
  • 🔑Problematic OTP delivery and login issues
  • 💤Unreliable during maintenance and downtimes
  • 🤖Poor customer service and lack of human support
See all reviews

What's New in UnionBank Online

2.64.10

October 7, 2026

+ Set up your UnionBank Card in Apple Pay. Apple Pay is the easy, secure, and private way to make payments in-stores, in apps and on the web. + CyberSure Reminder – NEVER SHARE your personal info such as your password or OTP with anyone. Remember, UnionBank will not ask you to provide this info via call, email or SMS + Get an eGift when you refer friends for a credit card + Easily open another savings account + Search the catalogue to quickly find a specific reward

More

User reviews

Most RecentHighest RatedLowest Rated

Superb and Needs Security Improvement

User Interface, transaction and customer service are superb. Hoping for improvement about login security to use Authenticator apps or Passkey and better if you can have the to categorize each expense like Bills, shopping, eat-out and etc.
LoloySanLoloySan

Unable to create account

Useless app. I have been trying to create account online but unsuccessful everytime.
llllllbyatllllllbyat

App, Debit and Credit Card

Excellent App and Service
Mandyv36Mandyv36

Lovely

Im happy using online banking very easy to access and I feel my money is safe
Nadlor LusantaNadlor Lusanta

Customer Service is BS!

Always making your ticket resolved even though it's NOT! You will never get any solutions or update from customer service. Its just BS!
PreciousYnaPreciousYna
See 294 more reviews

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UnionBank: The Portal
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UnionBank Business Banking

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UB Negosyante
UB Negosyante

Seamless Banking for MSMEs

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EON PH
EON PH

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(1)

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See developer apps

User experience

🐞

Reported Bugs

5 issues

Unable to view or download account statements

Bug

Difficulty adding Citi accounts and processing transactions

Bug

Inconsistent OTP delivery and login failures

Bug

App crashes when accessing transaction history

Bug

Inability to open new accounts through the app

Bug
✨

Requested Features

5 requests

Add card lock feature for security

Feature

Improve Instapay transaction reliability

Feature

Provide OTP options via email or alternative numbers

Feature

Enhance transaction history and installment plan details

Feature

Optimize app performance and stability

Feature

FAQ

What can I do with the UnionBank Online app?

The app allows you to open new accounts without visiting a branch, deposit checks 24/7, manage all your accounts and credit cards, transfer funds to any bank, pay bills, request payments from others, and split bills with friends. It also offers features to schedule branch visits and find nearby ATMs.

How secure is the UnionBank Online app?

The app employs robust security measures, including One-Time Passwords (OTP) and biometric authentication for secure access. You can also manage your Visa credit cards by locking/unlocking them, setting limits, and controlling transactions. Password resets and profile unblocking can be done through self-service options.

Can I open an account through the app?

Yes, this is the first Philippine bank to enable customers to open accounts directly through the app, eliminating the need to visit a physical branch. You can choose from various account types like Personal Savings Account, PlayEveryday, Savings+, Lazada, or GetGo, and receive a Visa debit card.

What are the fees for transferring funds?

Transfers between your own UnionBank accounts or to other UnionBank accounts are credited in real-time. Free transfers to any bank are available with PESONet, with crediting on the same or next business day. InstaPay allows real-time transfers up to Php 50,000 for a small fee of PHP10. International transfers to other local banks in USD are also available for USD1.

Is the app available on all devices?

While the description doesn't explicitly state compatibility, mobile banking applications are typically designed for both iOS and Android smartphones and tablets. Users can usually download the app from their respective app stores.