UnionBank Online User Reviews

UnionBank Online
UnionBank Online
UnionBank of the Philippines

Customer Experience

Positive experience44.3% of reviews
Neutral3.8% of reviews
Negative experience51.9% of reviews

~ Based on 291 written reviews from the US App Store.

What users say

Is UnionBank Online Safe?

UnionBank Online appears safe based on user ratings. AppsHunter Safety Score for UnionBank Online is 96/100.

This assessment is based on 3,553 user ratings, with an App Store average of 4.8/5.

Safety Analysis

95.1% of ratings point to a safe experience
1.5% of ratings suggest some concerns
3.4% of ratings point to a risky experience

~ Based on 2,984 App Store ratings for UnionBank Online.

Is UnionBank Online Legit?

UnionBank Online appears to be a legitimate app. AppsHunter Legitimacy Score for UnionBank Online is 90/100.

Based on 90 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Difficulty in updating a Contact Information

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.
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Online banking transactions

The Apps is very friendly user, easy and quick.

Love the service

User friendly

Digital banking

Convenient and convenient safe

Instant

Making transactions easier

One Stop Service

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!

Apple Pay Activation

Hopefully, madagdag na yung tap to pay feature…

User friendly.

The app is fantastic.

Poor customer service, no real help

Very disappointing customer service. I asked for help accessing my 2024 statement, but they just repeated what’s already in the app—that only 2025 is available. No real assistance, no solution, and they rushed to close the ticket without resolving the issue. Not helpful at all.

Best Bank ever!

I’m a long-time user! It’s always a great experience!

Quick Banking UB

I will give Union Bank 5 Stars. I am so much satisfied with the services. So quick and accurate. Thank you so much.

Good for union bank

Review ko matagal na ako sa union bank pero hirap padin mag karoon nga credit card po

Rewards Issue

UB is very excellent compared to other bank, I’ve never really had an issue with the app nor my transactions as well as my money. The only reason I am not giving the app a 5 star review is because I noticed that I don’t get points and can’t redeem my points whenever I used my credit card despite always paying my loans ahead of time. It’s just a waste despite being a platinum card owner. I’ve raised this concern to a cs through email but they never returned my mail and instead gave me an automated ts instructions instead. But I will keep using UB because it feels safer than other banking apps.
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Biometric login function please

The update is not working ! I need to use the app

Unresponsive

They dont address concerns quickly.

Good and Very Excellent Customer Service From Union Bank Libis Branch in East Wood City

I would like to give a five-star rating to the Fraud Analyst Named: Paul Pedalmazan from Union Bank Philippines Libis East Wood City Site who assisted me regarding my lost debit card. I was very worried because my card was missing and I was concerned about the safety of my salary from Sagility. The Fraud Analyst Names Pedalmazan his named and reference immediately helped me by blocking the card to prevent any unauthorized access and guided me through the process of resetting my password and requesting a card replacement.

The agent was very patient, professional, and reassuring during the entire interaction. Everything was explained clearly, and I felt genuinely cared for as a customer. Because of their quick action and excellent customer service, I felt secure knowing that my future salary would not be stolen.

This Fraud Analyst Named Paul Pedalmzan deserves a five-star rating and a promotion for providing outstanding customer service. Thank you for the great support and assistance.
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WORST BANKING EXPERIENCE

Even though my mobile phone is registered as a trusted device, the app keeps asking for a mobile OTP just for logging in when in fact they have problems sending out OTP's through registered mobile numbers, I'm at a loss now of what to do, customer service is the worst and very disappointing, Just wasted money on trying to contact them waited for 45 minutes yes no one answered my call, mind you that I do not have the luxury or time in doing these kinds of things whilst being away abroad, This is straight up criminal. How can I pay my credit card if I myself needed those OTP's just to log in, and again those don't even work! A complaint should be filed because you failed to deliver what you promised and that is convenience and ease of use. This is a direct violation of the consumers rights to access their funds.
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Reducing fees with failed services

Sad

Unclear Process - Long Waiting Time - Dissatisfied Customer

It’s just so sad that you don’t feel the sincerity and the willingness to help or at least spoil you as a loyal customer. It’s so hard to contact the customer service and if you can, it will take hours for them to respond and just to tell you, you were rejected. I felt so sorry for myself that I was treated like I am not important. They said they will call you for the update of the credit limit increase request. But the call you received was just to encourage to apply for their easy bill or easy convert and a supplementary credit card. They closed the ticket without letting me know via phone call as they promised or even in email in writing. I have to waste my time waiting for them on the phone just to tell me that I got rejected. It’s sad because it’s been more than a year. I’m not delinquent and I always pay on time. They’ve gotten quite a lot of interests. But at least a few thousands increase to say thank you for being a good customer. But they just said no and we don’t know it was rejected after waiting for almost 2 hours.
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Bills Payment

Fix your bills payment!