Please try deleting & reinstalling the UnionDigital Bank app. Once reinstalled, log in using your registered username and password. If you do not have an account yet, you can register for one.
For more information on how to open an account, please refer to our FAQ How can I open a UnionDigitalBank account?.
Have more questions? Submit a ticket
Currently, the UnionDigital Bank app is available by invitation only.
If you have an access code and want to open a UnionDigital Bank account, please follow the steps below.
If your account has not been created in 24 hours, please contact Customer Support by raising a support ticket.
Have more questions? Submit a ticket
Invite codes are available for one-time use only.
If the invite code you received is not working, please contact Customer Support by raising a support ticket.
Have more questions? Submit a ticket
You can see the Terms and Conditions for opening a UnionDigital Bank account here.
Have more questions? Submit a ticket
To register for a UnionDigital Bank account, you have to satisfy the following requirements:
If you do not qualify in any of the above-mentioned criteria, please be patient as we are currently working hard to allow you to open a UnionDigital Bank account in the future!
Have more questions? Submit a ticket
To open a UnionDigital Bank account, you will need an ID document for us to confirm your identity.
To see the list of ID types we accept, please refer to our FAQ What kind of IDs can I use to open a UnionDigital Bank account?
Do note that we may occasionally require additional documentation from you. In that case, our Customer Support team will reach out to you for these requirements.
Have more questions? Submit a ticket
As part of the verification process, you will need to upload your ID for us to confirm your details.
UnionDigital Bank allows you to open an account with any of the following types of identification:
The UnionDigital Bank app will allow you to take a picture of your ID and upload it to be a verified account holder.
For more information on how to open an account, please refer to our FAQ How can I open a UnionDigital Bank account?.
Have more questions? Submit a ticket
As part of the verification process, you will need to upload your ID for us to confirm your details.
To see what types of IDs are accepted by UnionDigital Bank, please refer to our FAQ What kind of IDs can I use to open a UnionDigital Bank account?.
Have more questions? Submit a ticket
To register for a UnionDigital Bank account, you should have an active Philippine mobile number. We need this for your One-Time Password (OTP) verification for us to authenticate your identity.
Have more questions? Submit a ticket
At present only Filipino nationals residing in the Philippines are eligible to open a UnionDigital Bank account. We are enhancing our services and will open account sign-ups for other nationalities in the near future!
Have more questions? Submit a ticket
At present only Filipino nationals with Philippine mobile numbers are eligible to open a UnionDigital Bank account. We are enhancing our services and will open account sign-ups for foreign mobile numbers in the near future!
Have more questions? Submit a ticket
UnionDigital Bank accounts are free to open! There is no minimum amount required to open a UnionDigital Bank account.
Have more questions? Submit a ticket
UnionDigital Bank accounts are free to maintain! No maintaining balance is required for UnionDigital Bank accounts.
Have more questions? Submit a ticket
To ensure that your account is safe, a strong password is needed.
Here are our requirements for a strong password:
Your password must:
Have more questions? Submit a ticket
Financial institutions need to comply with the security regulations set out by the Bangko Sentral Ng Pilipinas in order to minimize the risk of criminal activity. The “Know Your Customer” (KYC) process is required for UnionDigital Bank to verify the identity of our clients in order to prevent crimes such as identity fraud and money laundering.
Have more questions? Submit a ticket
As part of the verification process, you will need to upload your ID for us to confirm your details.
UnionDigital Bank will use your camera to scan your ID for upload. Please allow the UnionDigital Bank app to access your camera.
Your ID may not be accepted because of one of the following reasons:
To ensure that your ID is accepted, please adhere to the following guidelines when scanning your ID:
To see what types of IDs are accepted by UnionDigital Bank, please refer to our FAQ What kind of IDs can I use to open an account?.
If you are still encountering problems with ID verification after multiple tries, please consider contacting Customer Support by raising a support ticket.
Have more questions? Submit a ticket
As part of the verification process, you will need to take a selfie for us to confirm your identity.
UnionDigital Bank will use your camera to take a selfie of you. Please allow the UnionDigital Bank app to access your camera.
Your selfie may not be accepted because of one of the following reasons:
To ensure that your selfie is accepted, please adhere to the following guidelines when scanning your selfie:
If you are still encountering problems with the face identity scan after multiple tries, please consider contacting Customer Support by raising a support ticket.
Have more questions? Submit a ticket
If your ID or selfie is rejected by the system, please try again. You will have a limited number of tries to verify your ID and selfie.
To ensure that your ID is accepted by the system, please follow the guidelines as outlined by our FAQ Why is my ID not being accepted?.
To ensure that your selfie is accepted by the system, please follow the guidelines as outlined by our FAQ Why is my selfie not being accepted?.
If you are encountering problems with ID or selfie verification, please consider contacting Customer Support by raising a support ticket.
Have more questions? Submit a ticket
If you have registered for an account, we should have received your application and should be processing it at the moment. The process may take anytime between 24 hours. We will send you an SMS and push notification when your account is ready via the UnionDigital Bank app.
If your account has not been created in 24 hours, please contact Customer Support by raising a support ticket.
Have more questions? Submit a ticket
InstaPay and PesoNET are electronic fund transfer (EFT) services that enable customers of a participating Bangko Sentral ng Pilipinas-supervised financial institutions (BSFIs) which include banks, e-money issuers or mobile money operators to transfer Philippine Peso funds from their account to accounts with other Financial Institutions.
InstaPay and PesoNet are part of the National Retail Payment Systems (NRPS) initiative of BSP that seeks to promote electronic payments.
To know more about InstaPay, you can visit their website at https://www.instapayph.com/ or these FAQs https://www.bsp.gov.ph/PaymentAndSettlement/FAQ_Instapay.pdf
To know more about PesoNET, you can visit their website at https://www.pesonet.info/ or these FAQs https://www.bsp.gov.ph/PaymentAndSettlement/FAQ_PESONet.pdf
To know more about the list of participating Financial Institutions and their corresponding InstaPay and PesoNET fees, click here: https://www.bsp.gov.ph/PaymentAndSettlement/Fees.pdf
Have more questions? Submit a ticket
Fund transfers between UnionDigital Bank accounts and other Financial Institutions via InstaPay are instantaneous with 10-minute buffer time.
Fund transfers done via PesoNET, on the other hand, may take 2-3 business days. Some transactions may take longer to process due to:
Have more questions? Submit a ticket
UnionDigital Bank supports fund transfers to other accounts with UnionDigital Bank and other Financial Institutions (via InstaPay or PesoNET).
To learn about the list of participating Financial Institutions on InstaPay and PesoNET, please refer to our FAQ What are the participating Financial Institutions on InstaPay and PesoNET?.
To learn how to send funds, please refer to our FAQ How can I send money from my UnionDigital account?.
To learn how to receive funds, please refer to our FAQ How do I receive money?.
Have more questions? Submit a ticket
For the list of Financial Institutions on the InstaPay network, please refer to BSP's list: https://www.bsp.gov.ph/PaymentAndSettlement/Instapay%20Participants.pdf
For a list of Financial Institutions on the PESONet network, please refer to BSP's list: https://www.bsp.gov.ph/PaymentAndSettlement/PESONet%20Participants.pdf
Have more questions? Submit a ticket
Customers may top up their UnionDigital Bank account from other bank accounts via InstaPay or PesoNET.
To top up your UnionDigital Bank account from accounts with other Financial Institutions, please refer to our FAQ How do I receive money from accounts with other Financial Institutions?.
Alternatively, you may top-up your account via other UnionDigital Bank accounts too. To top up your UnionDigital Bank account with accounts from another UnionDigital Bank account, please refer to our FAQ How do I receive money from other UnionDigital Bank accounts?.
Have more questions? Submit a ticket
When initiating fund transfers, customers should exercise due care to ensure the recipient's details and amount to be transferred are correct. Customers are responsible for making sure that they have inputted the correct transaction details. As most transfers are processed immediately and with finality, UnionDigital Bank may not be able to support reversal of such transactions.
Should a customer send funds to a wrong beneficiary, please reach out to the beneficiary directly. In cases where you may not know the beneficiary customer, you may contact UnionDigital Bank by raising a Support Ticket and we will attempt to support you on a best effort basis.
Have more questions? Submit a ticket
UnionDigital Bank currently supports transactions within the Philippines. We are working to enhance our functionalities to bring you a wider range of payment options in the near future!
For a list of supported transactions, please refer to our FAQ What are the available forms of payments/transfers in UnionDigital Bank?.
Have more questions? Submit a ticket
UnionDigital Bank supports transfers from other UnionDigital Bank accounts and accounts with other Financial Institutions via InstaPay or PesoNET.
To receive money from other UnionDigital Digital accounts, please refer to our FAQ How do I receive money from other UnionDigital Bank accounts.
To receive money from accounts with other Financial Institutions, please refer to our FAQ How can I receive money from other bank accounts?.
Have more questions? Submit a ticket
To receive funds in your UnionDigital Bank account, your counterparty will require your mobile number or UnionDigital Bank account number.
Upon receiving the funds, UnionDigital Bank will notify you through SMS or an in-app notification on the incoming funds. You may login to your account to view this transaction and your updated balance should be updated reflecting the funds that were transferred to you.
Have more questions? Submit a ticket
UnionDigital Bank supports transfers from other bank accounts via InstaPay or PesoNET. To receive funds in your UnionDigital Bank account from another bank account, your counterparty will require your UnionDigital Bank Account Number and registered Account Name.
Upon receiving the funds from the corresponding bank, you may login to your account to view this transaction and your updated balance should be updated reflecting the funds that were transferred to you.
Have more questions? Submit a ticket
Your UnionDigital Bank account may not instantly reflect your updated balance due to cases that might cause transactions to take longer to process. See scenarios below:
While transfers between UnionDigital Bank accounts and other bank accounts via InstaPay may be instant, PesoNET transfers might take 2-3 business days (or more) for the updated balance to be reflected in your account.
Additionally, if you are receiving funds from other Financial Institutions, there may be a few reasons why your updated account balance was not reflected instantly:
If you are receiving funds from another UnionDigital Bank account, some transfers may fail due to system downtime. If you encounter this issue, please contact Customer Support by raising a support ticket.
Please also try to confirm with the sender if :
Should the above be confirmed and your account balance is still not updated, please contact our Customer Support by raising a support ticket.
Have more questions? Submit a ticket
UnionDigital Bank supports transfers to other UnionDigital Bank accounts and other bank accounts via InstaPay or PesoNET.
The beneficiary details required to send funds depends on the type of fund transfer you want to initiate.
Depending on your beneficiary, you would need the following to successfully complete the transaction:
Have more questions? Submit a ticket
UnionDigital Bank supports transfers to other UnionDigital Bank accounts and other bank accounts (via InstaPay or PesoNET).
To send money to another UnionDigital Bank account, please refer to our FAQ How can I send money to another UnionDigital Bank account?.
To send money to accounts from other Financial Institutions, please refer to our FAQ How can I send money to accounts from other Financial Institutions?.
Have more questions? Submit a ticket
UnionDigital Bank supports instant fund transfers between UnionDigital Bank accounts.
As the sender, you should request the beneficiary's account details (UnionDigital Bank account number, or mobile number).
To send money to a UnionDigital Bank account, please follow the steps below:
Should you require further assistance please contact our Customer Support by raising a support ticket.
Have more questions? Submit a ticket
UnionDigital Bank supports fund transfers to other bank accounts via InstaPay or PesoNET*.
As the sender, you should request the beneficiary's account details (bank name, account name, and account number).
To send money to other bank accounts:
Should you require further assistance please contact our Customer Support by raising a support ticket.
Please be informed that PesoNET transactions have the following cut-off times:
Have more questions? Submit a ticket
Yes, transfers between UnionDigital Bank accounts are free.
UnionDigital Bank only supports transfers of up to ₱500,000 per day. We do not limit the number of transactions you may wish to make per day. However your total transaction amount must be within the daily limit of ₱500,000.
Have more questions? Submit a ticket
UnionDigital Bank supports funds transfer to other Financial Institutions via InstaPay or PesoNET.
Transfers made through InstaPay costs ₱10 for retail accounts, while transfers made through PesoNET are free.
Have more questions? Submit a ticket
Currently, UnionDigital Bank only supports transfers of up to ₱500,000 per day. We do not limit the number of your daily transactions, however your total transaction amount must be within the daily limit of ₱500,000.
UnionDigital Bank imposes a minimum transaction amount of ₱1 for all transactions.
InstaPay also imposes a limit of ₱50,000 for real-time transactions. This means that you can only send up to ₱50,000 per transaction.
Have more questions? Submit a ticket
A payment transaction could fail for any of the following reasons:
Please confirm with the recipient if the account details were correct.
Should the above be confirmed, you should see a screen showing a successful fund transfer in the app, and receive a notification via SMS and email. If you have confirmed the above, and you have yet to receive a notification of a successful fund transfer, please consider contacting Customer Support by raising a support ticket.
Have more questions? Submit a ticket
If you have not received an SMS or email notification on your mobile number or email regarding your transaction for a significant amount of time, please follow the steps below:
If your transaction was successful but you have not received an SMS or email notification, there is likely an error with the app. In this case, your transaction have been processed, and it will be displayed in your account history.
To report issues with the app, please contact Customer Support by raising a support ticket.
Have more questions? Submit a ticket
UnionDigital Bank supports payments via InstaPay and PesoNET to 94 participating Financial Institution.
To view the list of participating Financial Institution, please refer to our FAQ Is there a list of participating Financial Institution on the InstaPay and PesoNET networks?.
For more information on InstaPay and PesoNET, please refer to our FAQ What are InstaPay and PesoNET?.
If you are unable to find the Financial Institution you want to transfer money to, it is because they are currently not in the InstaPay or PesoNET network.
Have more questions? Submit a ticket
UnionDigital Bank supports fund transfers via InstaPay and PesoNET across 94 Financial Institutions. The Financial Institution you would like to transfer to may not be available as the systems may be experiencing downtime. Please try again later.
Should this issue continue to persist, please consider contacting Customer Support by raising a support ticket.
Have more questions? Submit a ticket
There may be some cases where a transfer might take slightly longer than usual to reach your recipient:
If you made your transaction with PesoNET, please be informed that PesoNET transactions have the following cut-off times:
Please confirm that:
If you have confirmed the above, and your beneficiary has yet to receive the payment, please consider contacting Customer Support by raising a support ticket.
Have more questions? Submit a ticket
UnionDigital Bank will provide all registered customers with a Pitaka account. To learn more about Pitaka accounts, please refer to our FAQ What is a Pitaka Account?.
Have more questions? Submit a ticket
Pitaka is the Filipino word for ‘wallet’. A Pitaka account is what we call your UnionDigital Bank savings account. It can be used to send and receive money from other bank accounts and e-wallets while letting your money earn 2.5% interest per year that is accrued to your account daily (with no minimum or maintaining balance!).
Have more questions? Submit a ticket
Your Pitaka account earns 2.5% interest per annum accrued daily that will be credited on the 1st day of the following month.
Have more questions? Submit a ticket
You can start saving for as little at ₱1 with no cap and grow your money daily with earning interest.
Have more questions? Submit a ticket
Your interest is credited on the first day of the following month.
Have more questions? Submit a ticket
No. You can withdraw from your account anytime without any limits.
Have more questions? Submit a ticket
You can go to your account's Transaction History. You should see the deposit log once the interest has been credited in your account.
Have more questions? Submit a ticket
UnionDigital Bank currently only allows Filipino nationals who are residing in the Philippines to open an account. To understand who are qualified to open an account, please refer to our FAQ Who can register as a UnionDigital Bank user?.
Have more questions? Submit a ticket
UnionDigital Bank currently does not support changing or updating usernames.
Have more questions? Submit a ticket
You can change your email address in the UnionDigital app. To change your email address, please follow the steps below:
Have more questions? Submit a ticket
To change your account details, please contact Customer Support by raising a support ticket. Select ‘Change request’ for the support category and ‘Change customer details’ for the subtopics. In your support ticket, please attach a selfie of yourself to confirm your identity.
Our customer support representatives will review your request and get back to you as soon as possible.
Have more questions? Submit a ticket
To change your mobile number, please contact Customer Support by raising a support ticket. Select ‘Change request’ for the support category and ‘Change customer details’ for the subtopics. In your support ticket, please attach a selfie while holding the registered ID used to open the account to confirm your identity and provide with your registered account number and new mobile number.
Our customer support representatives will review your request and get back to you as soon as possible.
Have more questions? Submit a ticket
To change your account details, please contact Customer Support by raising a support ticket. Select ‘Change request’ for the support category and ‘Change customer details’ for the subtopics. In your support ticket, please attach a selfie of yourself holding the new ID to confirm your identity.
Have more questions? Submit a ticket
You can change your password in the UnionDigital app. To change your password, please follow the steps below:
Have more questions? Submit a ticket
UnionDigital Bank will consider an account dormant if there has been no activity on the account (deposit, withdrawal or updates to account information) for two years.
Two months before the account is considered dormant, UnionDigital Bank will send you a 'Notice of Dormancy' notification.
Upon the fifth year of account dormancy, your account will be charged ₱30 per month. You will need to pay these outstanding charges before being able to use your account functions.
Two months before charges are applied, UnionDigital Bank will send you a notification to remind you that your account is dormant and that charges will be applied soon.
You can reactivate your account at any time by conducting deposits, withdrawals or fund transfers. You can also reactivate your account by updating your account information.
Have more questions? Submit a ticket
To find the transaction history on your UnionDigital Bank account, simply go to your Pitaka dashboard. You will be able to see your 3 most recent transactions under the 'Recent Transactions' section.
To view your full transaction history, select 'View all'. You will be able to view 10 transactions at a time.
To view the full details of any particular transaction, select that transaction item in your transaction history.
Have more questions? Submit a ticket
UnionDigital Bank will provide you monthly account statements through your registered email. Your account statement for the current month will be sent to you at the beginning of the next month.
To request your account statement at a specific point in time, please contact Customer Support by raising a support ticket.
Have more questions? Submit a ticket
UnionDigital Bank does not support withdrawal of funds from your Pitaka account at the moment. UnionDigital Bank only supports fund transfers from your account to other UnionDigital Bank accounts, other UnionBank accounts or other bank accounts (via InstaPay or PesoNet).
If you wish to withdraw your funds, you may consider making a fund transfer from your Pitaka account to other accounts.
To make fund transfers from your UnionDigital Bank accounts to other UnionDigital Bank accounts, please refer to our FAQ How can I send money to another UnionDigital Bank account?.
To make fund transfers from UnionDigital Bank accounts to accounts from other banks, please refer to our FAQ How can I send money to accounts from other banks?.
Have more questions? Submit a ticket
You will still be able to conduct transactions while you are overseas. However, transactions are currently only allowed in Pesos and between accounts with Filipino banks. We are working to enhance our functionalities to allow you to conduct transactions with overseas banks!
Have more questions? Submit a ticket
If you require Customer Support assistance, you can submit a ticket via the Help Center. To submit a ticket, please follow the steps below:
If there is an issue with submitting your ticket, please contact Customer Support with alternative means. You can contact Customer Support by raising a support ticket.
Have more questions? Submit a ticket
We are sorry to see you go!
To close your UnionDigital Bank account, please contact Customer Support by raising a support ticket via the Help Center.
You can raise a support ticket in the app or by clicking ‘Submit Ticket’ at the end of this FAQ.
In the support category section, please select Account Management.
In the support subcategory section, please select Account Closure.
Fill in the ticket with your request and email, and submit your ticket.
Have more questions? Submit a ticket
Securing an account is a shared responsibility between you and UnionDigital Bank.
To keep your account safe, we have security protocols for conducting transactions such as:
Have more questions? Submit a ticket
UnionDigital implements strong controls to ensure that your financial transactions are safe and secure.
Here are some examples of UnionDigital security protocols for conducting transactions:
If you have any questions on our transaction safety and security protocols, please contact our Customer Support by raising a support ticket.
Have more questions? Submit a ticket
If you believe that an unauthorized transaction has been made on your account, please immediately take the following steps:
Have more questions? Submit a ticket
Malicious actors may try to misrepresent themselves as UnionDigital Bank representatives or use phishing sites to steal your information. Phishing sites are websites that try to misrepresent official websites by being similar in name and appearance.
UnionDigital Bank will never contact you with email addresses that do not belong to our official email domain: @uniondigitalbank.io .
We will never send you any links in our emails / SMS with you. Please do not click on any links that you may receive.
To report a suspicious email or a phishing site, please contact us by raising a support ticket.
Have more questions? Submit a ticket
If you believe your account has been compromised, please immediately take the following steps:
Have more questions? Submit a ticket
If your mobile device was stolen, please immediately take the following steps:
Have more questions? Submit a ticket
To remove your old or stolen device from the Trusted Devices list, please take the following steps:
Have more questions? Submit a ticket
A One-Time Password (OTP) is an automatically generated 6-digit combination of numbers that serves as an authentication method. It can be sent in the app or via SMS. OTPs are used to verify your mobile number when registering for a UnionDigital Bank account, or to authenticate a transaction for an added layer of security.
Have more questions? Submit a ticket
If you have forgotten your password, you can use your registered mobile number to recover it. To recover your password, please follow the steps below:
Have more questions? Submit a ticket
Users can enable or disable their biometrics authentication in the UnionDigital app.
To enable your biometrics authentication, please follow the steps below:
To disable your biometrics authentication, please follow the steps below:
If you are unable to change your biometrics authentication preferences, please consider contacting Customer Support by raising a support ticket.
Have more questions? Submit a ticket
UnionDigital Bank is a digital bank, wholly owned by Union Bank of the Philippines. We aim to make banking more safe and accessible to Filipinos, empowering the country's digital economy.
We will enable Filipino communities, businesses, problem solvers, and regulators to leverage on Fintech, Blockchain, and Open Finance technologies, to move towards one goal of achieving inclusive prosperity.
Have more questions? Submit a ticket
Currently, UnionDigital Bank only charges fees for funds transfer via PesoNET from your Pitaka wallet to other financial institutions.
Fees for transfers:
Have more questions? Submit a ticket
UnionDigital Bank is a member of the Philippine Deposit Insurance Corporation (PDIC) as part of the requirements to be a licensed digital bank in the Philippines.
PDIC provides deposit insurance coverage for customers of member banks to protect depositors. It also guarantees a maximum deposit insurance coverage of ₱500,000 per customer per bank that covers all types of bank deposits for both local or foreign currencies.
Have more questions? Submit a ticket
We are open from 9am-6pm from Monday to Friday! As UnionDigital Bank is a digital bank, customers can access their account and send or receive payments 24/7.
Have more questions? Submit a ticket
UnionDigital Bank is on a mission to bridge innovation and regulation to make digital banking and virtual assets safe and accessible to Filipinos. We aim to increase the country's adult banked population to 70% and increase digital payments to 50% of all payments made in the Philippines.
Have more questions? Submit a ticket
UnionDigital Bank is a digital bank, and as such are not required to have any physical bank branches. We designed UnionDigital Bank this way for a few reasons:
Have more questions? Submit a ticket
The UnionDigital Bank app is a mobile app that allows users to store money and make and receive payments.
In the future, we are going enhance the UnionDigital Bank app's functionality by introducing many more features.
Have more questions? Submit a ticket
Opening a bank account with UnionDigital Bank offers many benefits.
Have more questions? Submit a ticket
The UnionDigital Bank app is available on both the Apple App Store or Google Play Store.
Have more questions? Submit a ticket
For iPhone users, the minimum supported OS is iOS 13.
For Android users, the minimum supported OS is Android OS 6.0 (Marshmallow)
Unfortunately, if your current OS is older than the specified versions, you will be unable to use the UnionDigital Bank application.
Have more questions? Submit a ticket
Once you have submitted your request, you will receive an email notification acknowledging that we have received your request. We will strive to respond to your request within 5 working days. In the meantime, we will try our best to process and resolve your request!
Have more questions? Submit a ticket