# UnionBank Online — Secure, Easy & Smart > Mobile banking app for account management, transfers, and bill payments. (iPhone/iPad app by UnionBank of the Philippines.) - Source: https://appshunter.io/ios/app/unionbank-online/id1242291412 (this page in markdown: same URL + `.md`) - Developer: [UnionBank of the Philippines](https://appshunter.io/developer/585167696) - Category: Finance, Business - Price: Free - Rating: 4.80/5 from 3,701 App Store ratings · 294 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 566 MB - Languages: American English - Released: 2017-08-15 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/unionbank-online/id1242291412/reviews.md ## What is UnionBank Online? This is more than just another banking app. This puts your bank in the palm of your hand. You don’t have to put your life on hold, when you can bank securely whenever you want to, from wherever you want. Get started by opening an account in-app, without ever having to step into a branch. Easily manage your accounts, your cards, transfer funds, pay your bills and more, with just the tap of your finger. Open an account + First Philippine bank that enables customers to open accounts through the app. + No need to visit the branch. + Choose between Personal Savings Account, PlayEveryday, Savings+, Lazada or GetGo. + Get a Visa debit card delivered to your home/office. + Immediately get a Lazada Virtual Debit card for online shopping. Deposit checks 24x7 + UnionBank checks clears after two hours – even during weekends and holidays. + Other bank's checks, follows industry cut-off and clearing hours. Securely manage your accounts + View all your accounts and credit card balances in one place. + Real-time monitoring of your savings, checking or debit/ATM card activities. + View your credit card spend, points and statements. + Lock/unlock, set limits and transactions controls on your Visa credit cards. + Keep tabs on your loan repayments. + Secured access enabled by OTP and biometrics. + Self-service password reset and profile unblocking. + Track your rank, view your points and access the leaderboards with PlayEveryday. + Create Goals and start saving up for that investment, emergency fund, or whichever you aspire to achieve. Easily Transfer Funds and Pay Bills + Transfer funds to anyone, to any bank, any time, without any enrolment or going to the branch. + Real-time crediting for transfers between your accounts or other UnionBank accounts. + Transfer to anyone for free with PESONet. Same or next business day crediting. + Transfer up to Php 50,000.00 to anyone with InstaPay. Real-time crediting for only PHP10. + Transfer your US Dollars to other local banks for only USD1! Made possible through PDDTS. + Pay your utility, phone, rent, school, and more. No need to enroll billers for payment. + Save accounts you frequently transfer to and bills you regularly pay. + Schedule recurring transfers and bills payments. No need to worry about due dates. + Send money to our partner Remittance Centers – Palawan Express, Cebuana Lhuillier, LBC & PeraHub. Request for Payments or Split Bills + Send payment requests to another UnionBank Online user with just their mobile number. No more sharing of account numbers. + Split bills with your friends on UnionBank Online. No more worksheets to compute who owes who and how much. + Generate your own QR code and have your friends scan the QR to pay. Schedule branch visit + Get ahead of the queue by scheduling your branch visit in the app. + Transact without any forms or signatures. Put all your transaction info on your scheduled visit. + Find the closest branch or ATM with the built-in locator. Other Features + Activate your new credit card. + Redeem your Credit Card points. + Check for promos and discounts in our Voucher Wallet + Do USD/PHP conversion and view real-time FX rates. Check our web version: https://online.unionbankph.com 2018 Best Retail Mobile Banking Experience by The Asset Magazine 2018 Online Banking Initiative of the Year by Asian Banking and Finance 2018 Best Technology Implementation - Front End by Retail Banker International (Highly Commended). UnionBank of the Philippines is regulated by the Bangko Sentral ng Pilipinas. For inquiries and comments, contact our Customer Service at customer.service@unionbankph.com or (+632) 841-8600. Member: PDIC. Maximum deposit insurance for each depositor: P500,000. ## Key features - 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 ## What do users think of UnionBank Online? Overall sentiment: neutral **Pros** - 🚀 Fast and efficient - 👍 User-friendly interface - 🔒 Secure transactions - 💡 Convenient features like in-app OTP - 🌍 Reliable for overseas users **Cons** - 🐛 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 **Commonly reported bugs** - Unable to view or download account statements - Difficulty adding Citi accounts and processing transactions - Inconsistent OTP delivery and login failures - App crashes when accessing transaction history - Inability to open new accounts through the app **Most requested features** - Add card lock feature for security - Improve Instapay transaction reliability - Provide OTP options via email or alternative numbers - Enhance transaction history and installment plan details - Optimize app performance and stability ## Recent user reviews (10 of 294) All indexed reviews: https://appshunter.io/ios/app/unionbank-online/id1242291412/reviews.md ### 1/5 — Log in issue! *2026-08-04, version 2.64.3* Ayusin nyo log in issue ng app nyo! Parang Shopee lang puro pop-up ads lang inaatupag ng mga to ### 1/5 — After update cannot log in *2026-08-04, version 2.64.3* after this current update i cannot log in always error ### 5/5 — Happy *2026-07-21, version 2.64.1* easy and helpful transaction ### 1/5 — Difficulty in updating a Contact Information *2026-06-20, version 2.63.2* I am writing to express my concern regarding the inconvenience I have experienced while attempting to update my contact information for my credit card account. I am currently living and working abroad, but I continue to actively use my Philippine credit card for transactions in the Philippines. Recently, I needed to update my contact information; however, I discovered that the available options provided by the bank are extremely difficult for overseas clients like myself. The first option is through the mobile application. Unfortunately, I no longer have access to my previous registered phone number, making it impossible for me to complete the verification process and update my information through the app. The second option is to contact customer service by phone. However, calling from abroad results in significant international charges from my carrier, making this option costly and impractical. I respectfully suggest that the bank consider implementing more flexible verification methods for customers residing outside the Philippines. Many financial institutions now offer two-way verification options, such as sending one-time passwords (OTPs) to either a registered email address or a registered phone number. Additionally, some banks allow customers to update their contact information securely through their online banking websites, which is both convenient and accessible for overseas clients. As a valued customer who continues to use the bank’s services while living abroad, I hope the bank will review and improve its current procedures to better accommodate customers in similar situations. Enhancing these services would greatly improve the customer experience and demonstrate the bank’s commitment to accessibility and convenience. ### 5/5 — Online banking transactions *2026-06-16, version 2.63.2* The Apps is very friendly user, easy and quick. ### 5/5 — Love the service *2026-06-03, version 2.62.4* User friendly ### 4/5 — Digital banking *2026-05-29, version 2.62.4* Convenient and convenient safe ### 5/5 — Instant *2026-05-29, version 2.62.4* Making transactions easier ### 3/5 — One Stop Service *2026-05-28, version 2.62.4* I appreciate it so much that Union Bank has collaborated with almost all the financial institutions, especially Gcash and payments for payable utilities. Keep it up! ### 4/5 — Apple Pay Activation *2026-05-19, version 2.62.4* Hopefully, madagdag na yung tap to pay feature… ## Frequently asked questions about UnionBank Online ### 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. ## Version history (last 5 releases) ### 2.64.7 — 2026-08-24 + 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 ### 2.64.6 — 2026-08-06 + 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 ### 2.64.3 — 2026-08-03 + 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 ### 2.64.1 — 2026-07-04 + 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 + You can now view and download your Personal Loan Statement of Account and settle missed loan payments ### 2.63.2 — 2026-06-12 + 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 + You can now view and download your Personal Loan Statement of Account and settle missed loan payments ## Apps similar to UnionBank Online | App | Rating | Price | Category | | --- | --- | --- | --- | | [Apple Wallet](https://appshunter.io/ios/app/apple-wallet/id1160481993) | 4.8 (6,665,079) | Free | Finance | | [Maya – savings, loans, cards](https://appshunter.io/ios/app/maya-savings-loans-cards/id991673877) | 4.6 (3,826) | Free | Finance | | [PNC Mobile Banking](https://appshunter.io/ios/app/pnc-mobile-banking/id303113127) | 4.8 (2,014,843) | Free | Finance | | [Virtual Pag-IBIG](https://appshunter.io/ios/app/virtual-pag-ibig/id6444034285) | 2.8 (13) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,440) | Free | Finance | | [OnePay – Mobile Banking](https://appshunter.io/ios/app/onepay-mobile-banking/id1494523953) | 4.9 (410,809) | Free | Finance | ## More apps by UnionBank of the Philippines - [UnionBank: The Portal](https://appshunter.io/ios/app/unionbank-the-portal/id1414116892) - [UB Negosyante](https://appshunter.io/ios/app/ub-negosyante/id1498905979) - [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) · [union bank](https://appshunter.io/ios/topics/union-bank) · [union bank credit](https://appshunter.io/ios/topics/union-bank-credit) · [union bank digital](https://appshunter.io/ios/topics/union-bank-digital) · [the union bank mobile banking](https://appshunter.io/ios/topics/the-union-bank-mobile-banking) · [cimb bank philippines](https://appshunter.io/ios/topics/cimb-bank-philippines) · [union bank live](https://appshunter.io/ios/topics/union-bank-live) · [bank card online](https://appshunter.io/ios/topics/bank-card-online) · [bpi vybe](https://appshunter.io/ios/topics/bpi-vybe) · [hello pag ibig](https://appshunter.io/ios/topics/hello-pag-ibig) · [union bank token](https://appshunter.io/ios/topics/union-bank-token) · [union savings bank mobile](https://appshunter.io/ios/topics/union-savings-bank-mobile) · [union bank of india](https://appshunter.io/ios/topics/union-bank-of-india) · [china union pay](https://appshunter.io/ios/topics/china-union-pay) · [bdo online app](https://appshunter.io/ios/topics/bdo-online-app) · [land bank of the philippines](https://appshunter.io/ios/topics/land-bank-of-the-philippines) · [bpi online banking](https://appshunter.io/ios/topics/bpi-online-banking) · [security bank philippines](https://appshunter.io/ios/topics/security-bank-philippines) · [overseas filipino bank](https://appshunter.io/ios/topics/overseas-filipino-bank) · [go tyme](https://appshunter.io/ios/topics/go-tyme) --- *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 2026-08-28.*