UnionBank of the Philippines Anmeldelser 

union bank service very bad and poor service just to request update my contact number they give me a ticket case number almost 1 week no reply they give contuct number all are disconnected i was so disappointed to pay my bills im an ofw and they couldnt help me to fix my problem in my account i will never ever again to put money on that bank once my bank is fine i will remove all my money and transfer to other banks like pnb

Very poor customer service. I can't even call their hotline number due to unavailability. I tried reaching out their email and their support system in their app. I didn’t even get a reply as well. I had credit card issues and I need clarification from the amount discrepancy. So disappointed.

I doubt theres a room for improvement for their customer service. hotlines and emails are both unreliable, when you go to their branch they will just ask you to contact their customer support via email or call. very unprofessional agents in my opinion. so may issues since they serve as my payroll bank. never in my life will use union bank after this

terrible customer service. they reply late and they send you canned responses most of the time just to get rid of you and not to actually help you. i tried to open a savings account with them and it took them 3 weeks to reply to my inquiry so i ended up not doing it anymore. i had issues with my credit card and did not receive any help from them so i ended up paying late fees. that card is now cancelled. they tried to convince me not to close the card so i reminded them about the last incident where i asked for their consideration and did not get approved so this is me just returning the favor. thank god i don’t have to deal with this incompetent bank anymore!

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.

When we first started banking with union bank it was very reliable. Now the bank is extremely unreliable with the portal often down, payments not Being processed, but the funds deducted from our banks and the end receiver is not receiving, the customer service support can take over a week to get a response. Even when you go to a branch, you can be lined up for hours. I don’t know what has happened with this bank over the last 12 months, but we will be looking to close all of our accounts immediately due to the unreliability of the platforms and slow customer service. All companies need a reliable business banking partner and unfortunately this bank can no longer provide the service. Today is the 20th day of the month which means companies need to pay their VAT to the BIR but once again their platforms are down and payments not going through.

⚠️ UNIONBANK IS NO LONGER TRUSTWORTHY! ⚠️

I can no longer stay silent about this issue. UnionBank has become unreliable and untrustworthy, with countless people losing their hard-earned money due to failed transactions that remain unresolved. I am one of the many victims, and I refuse to let this go unnoticed!

Here’s what happened to me:

🔴 January 17, 2025 – I booked a flight to Bohol through Cebu Pacific, using UnionBank to transfer the payment via PayMaya. The transaction was marked successful, and I was deducted ₱11,000, but the booking failed. Up until today, UnionBank has done nothing to return my money.

🔴 March 31, 2025 – I cashed in ₱10,000 from UnionBank to GCash. Once again, the transaction was marked successful, the money was deducted, but it never reached my GCash wallet. Another ₱10,000 gone, and yet no resolution from UnionBank.

This is theft in broad daylight! How many more people have lost their money due to UnionBank’s failing system? A bank’s primary responsibility is to keep people’s money safe, yet UnionBank is doing the opposite—deducting money and leaving customers with no support or solution.

Their lack of urgency and accountability proves that they do not care about their customers. I am calling on Bangko Sentral ng Pilipinas (BSP) to launch a serious investigation into UnionBank’s practices. This is no longer an isolated case—this is a systemic failure that needs to be addressed!

To anyone who has experienced the same issue, speak up! Don’t let UnionBank get away with this. We deserve answers, refunds, and accountability.

#UnionBankScam #UnionBankFraud #UnreliableBank #FailedTransactions #BSP#WhereIsOurMoney

Mapapamura ka ng sobra sa bank na ito. Dina binalik yung 4k na cancelled withdrawal ko sa wise kahit binigay mona lahat statement of deposit, cancelled at withdrawals.

Nag gliglitch din app nila sabi internet issue daw e ang bilis bilis at ang smooth ng internet ko. Ingat sa pag gamit ng app nila. Kapag hndi mo nakuha yung na transfer mo may posibilidad na 1 to 3 months daw bago mabalik yung pera. Mag iisang buwan na wala parin yung akin.

I don't recommend this bank.

Since its acquisition, this bank has taken a noticeable dip in service quality. Customer support has become painfully slow, making even simple inquiries feel like a hassle. There have also been multiple reports of unauthorized transactions, which is a major concern for account security.

On top of that, the banking app is sluggish and unresponsive, making transactions and account management frustrating. What used to be a reliable institution now feels inefficient and unreliable. Hopefully, they address these issues soon, but for now, customers should be prepared for delays and potential security concerns.

TERRIBLE.
palpak ung take over nya sa Citibank.

I wont renew my citi card anymore.
Bullshit mga cards ni UB, nadamay pa si citi bank kainis!

1 star is even too much for this shity bank! CITI bank sold their company to incompetent people. Citibank was the best!

Despite multiple calls for a simple request, it has taken months to resolve the issue. Additionally, I have been disconnected multiple times by your customer service agents, who seem unable to resolve my concerns.

I request a thorough investigation into the last call I made on October 3, 2024, at approximately 4:52 PM. During this call, I contacted your service because my card, which was recently replaced by your bank after acquiring Citi, was declined. This incident caused significant embarrassment at the counter. Despite activating the card before use, it was still declined.

When I inquired about the reason for the decline, the representative provided excuses and misinformation, claiming there was a charge blocked by the system that locked the card. This is implausible, as I had not used the card since it was replaced.

The representative could not specify the charge that flagged my card for fraud, which suggests she was not being truthful. Providing false resolutions is unacceptable, as it implies there was fraud on the card before I even used it. If that were the case, the card should have been replaced immediately.

Instead, the representative insisted the card was unblocked and could be used normally. This raises concerns about the risk of further fraudulent transactions. The representative’s incompetence is evident, as she should have informed me that the card was declined due to unusual spending patterns, which would have been a more acceptable explanation. I am aware of proper customer service protocols, and this experience falls far short.

I am fed up with the repeated phone calls and lack of resolution. I am sure your company has a zero-tolerance policy for representatives who drop calls.

Additionally, I have been trying to have my other card delivered to my new address and have yet to receive it. Despite numerous contacts and filing a request through your app, the card has not arrived. Furthermore, your app is problematic I cannot unblock my card ending. I initially locked this card while waiting for the new one, but since the replacement card has not arrived, I decided to use the old card. However, your app only provides an option to activate the card, which is impossible since the new card has not been sent.

I have called multiple times, but the representatives hung up on me. I also sent a mail through your app, but the responses were inconsistent and unhelpful. The first representative I contacted for the card delivery to my new address requested all necessary information but later claimed they could not process it because the billing address was not updated and the card is locked. This is false, as I had updated my address via a phone call before requesting the card delivery. I confirmed my address after receiving that email, and the representative advised me it was already updated

I cannot even send another ticket through your app as it always shows an error code. For your reference, I will send a screenshot proving that I cannot unblock my card online, as it only gives me the option to activate it. This situation is highly inconvenient as I cannot use my card.

I also wish you had never acquired Citi Bank. They had the best customer service, the best app, and great offers for speed cash. Now that you have acquired them, I can’t even access these features on my account, which is totally useless.

I’m amazed that a simple card delivery and unblocking a card through your app takes this much hassle and is very inconvenient and time-consuming.

I've spent a huge amount, over six digits, and my reward points are still not updating! Don't tell me none of those purchases are eligible!

DEFINITELY THE WORST BANK AND WORST CUSTOMER SERVICE! YOUR FULL OF BS!

Landed in Unionbank as I was with Citi for years before it got acquired. Citi used to allow waiving my annual fees but UB does not. The card tier is the same (Miles) and I kept my monthly spend the same. Calling customer service takes 45mins back in June 2024. This January 2025, it's quick at 2mins but I called to cancel my credit card last 3/January, was informed someone will do a callback for the cancellation and have not heard back from them since. Don't enter this black hole!

Really bad customer service. They have different verification questions. They don't give you an idea about the term they're using in which tbh, I am not familiar with, and they don't care to explain. Worst part is, even the branch itself when you visit doesn't have any option and means to help. Like? Wth