# UnionBank Online — user reviews > 298 indexed App Store user reviews of UnionBank Online by UnionBank of the Philippines, rated 4.80/5 from 3,755 ratings. - Source: https://appshunter.io/ios/app/unionbank-online/id1242291412/reviews - App overview in markdown: https://appshunter.io/ios/app/unionbank-online/id1242291412.md - Rating breakdown: 5★ 3,361 · 4★ 225 · 3★ 54 · 2★ 18 · 1★ 97 ## 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 ## Newest reviews (10 of 298) ### 4/5 — Digital banking *2026-05-29, version 2.62.4* Convenient and convenient safe ### 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… ### 4/5 — Rewards Issue *2026-01-30, version 2.61.1* 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. ### 5/5 — Good and Very Excellent Customer Service From Union Bank Libis Branch in East Wood City *2026-01-21, version 2.60.5* 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. ### 1/5 — Unclear Process - Long Waiting Time - Dissatisfied Customer *2025-12-12, version 2.59.3* 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. ### 1/5 — Bills Payment *2025-11-24, version 2.59.1* Fix your bills payment! ### 5/5 — BEST BANK IN THE PHILIPPINES *2025-11-21, version 2.59.1* Sa tingin ko ito ang pinakamagandang banko sa Pinas. Ang ganda ng Online Banking nila. Panis ang BDO at BPI. Nag-open lang ako online. Hassle-free at nagrereply sila sa emails, di tulad ng ibang bangko na basura ### 1/5 — OTP Issue *2025-10-28, version 2.58.3* I've been trying get a hold with one of your rep. The issue that I've been trying to get some answers with are still not being resolved. My banking app was set to a system generated otp since I'm out of the country. After one day the app it self does'nt automatically generate otp. For almost 3 weeks now I haven't got any answer from you. You keep reffering me to the mailbox to create ticket. But still no response from your end. How am I supposed to process transaction if your online app won't generate OTP? ### 5/5 — UB is united *2025-10-26, version 2.58.3* Excellence for me ## Most critical reviews (10 lowest-rated) ### 1/5 — Unable to create account *2026-08-26, version 2.64.7* Useless app. I have been trying to create account online but unsuccessful everytime. ### 1/5 — Customer Service is BS! *2026-08-08, version 2.64.6* Always making your ticket resolved even though it's NOT! You will never get any solutions or update from customer service. Its just BS! ### 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 ### 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. ### 1/5 — Poor customer service, no real help *2026-04-16, version 2.62.1* 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. ### 1/5 — Biometric login function please *2026-01-30, version 2.61.1* The update is not working ! I need to use the app ### 1/5 — Unresponsive *2026-01-24, version 2.61.1* They dont address concerns quickly. ### 1/5 — WORST BANKING EXPERIENCE *2026-01-20, version 2.60.5* 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. ### 1/5 — Reducing fees with failed services *2025-12-14, version 2.59.3* Sad ## Most praised reviews (10 highest-rated) ### 5/5 — App, Debit and Credit Card *2026-08-23, version 2.64.6* Excellent App and Service ### 5/5 — Lovely *2026-08-17, version 2.64.6* Im happy using online banking very easy to access and I feel my money is safe ### 5/5 — Happy *2026-07-21, version 2.64.1* easy and helpful transaction ### 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 ### 5/5 — Instant *2026-05-29, version 2.62.4* Making transactions easier ### 5/5 — User friendly. *2026-05-01, version 2.62.2* The app is fantastic. ### 5/5 — Best Bank ever! *2026-04-05, version 2.62.1* I’m a long-time user! It’s always a great experience! ### 5/5 — Quick Banking UB *2026-04-03, version 2.62.1* I will give Union Bank 5 Stars. I am so much satisfied with the services. So quick and accurate. Thank you so much. ### 5/5 — Good for union bank *2026-02-17, version 2.61.1* Review ko matagal na ako sa union bank pero hirap padin mag karoon nga credit card po --- *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 2026-09-07.*