UnionBank of the PhilippinesReviews of unionbankph.com

In 2025, my sister was scammed by someone posing as an ASAP agent, losing nearly ₱50,000. The call came shortly after I contacted ASAP’s main office, making it appear legitimate—pointing to a possible inside job. I deposited the money through Union Bank, only to find out it was a scam. When reported, Union Bank said the account had already been emptied and closed. Despite repeated follow-ups, their fraud team offered nothing but, “We understand.” It was hard-earned money, and the bank failed at every level.

I would not recommend this bank. I have a business account with them. I transfered money to my Unionbank account and it never arrived. This was 3 weeks ago. The only thing they've been saying is they'll keep updated. Stay away.

Unionbank's customer service is horrible. I spoke to an agent named Ed today, who is clearly just motivated by his work stats and salary, who just wants to get rid of the call immediately, but refuses to even help even if I specifically mentioned that it was an emergency. When he mentioned that he cannot help me, I asked to be transferred to the correct department or to his supervisor, but he blatantly refused. This is the kind of customer service this bank has. No compassion or willingness to help. None of their agents are motivated to actually help their customers, all motivated by their own salaries only. Disgusting, and they're not even that big of a bank. They don't take care of their loyal customers and even their tellers and managers in a lot of their branches are just rude and treat their customers like crap.

Tragic customer support experience opening a business account

My mother was wrongly charged a late fee by UnionBank despite settling her annual fee on time. The PHP2,500 annual fee was due on 22 May 2025. She had enough reward points and used them to pay the fee, with the waiver confirmed on 20 May 2025—two days before the due date. In June, her card suddenly stopped working. She was informed she had incurred late charges, which made no sense. We checked her account, and the only purchases were made on 25 and 26 May—clearly after the annual fee deadline and only due in the next billing cycle (30 June). To make matters worse, Customer Support was unreachable by phone. When we emailed, we received a response that the late fee was “valid” and the case was closed—with no proper review or explanation. This experience has been extremely frustrating. The system appears flawed, and the lack of meaningful customer support makes it even worse. Highly disappointed.

This is the worst bank in the Philippines. Avoid them at any cost. They have the worst customer service among their business category. What you will get as a reply is nothing but AI.

Ever since UB took over Citi, customer service has been TERRIBLE. Try calling their contact center and you’ll hit endless IVRS menus, then the call just drops. Email them? Good luck. If you ever get a reply, it’ll just tell you to call the same broken number (see sentence #2).

They used to be a very good bank. But not anymore. With their customer service taking the back seat, they're simply the WORST bank today. heck, even the their preferred phone IVR voice sounds devoid of empathy. (even telling people to drop the call if not amenable to the terms). Just stay away from this pathetic excuse for a bank. Emails to them will go unanswered and will close-unresolved by itself.