UB Negosyante
Union Bank of the Philippines
4.8 ★
1K ratings
100,000+
downloads
Free
With this business banking app, you can open accounts, deposit checks, request payments, transfer funds, pay bills, approve transactions, view account balances, and manage security features. Includes features like real-time notifications, multiple payment options, scheduling, and biometric security.
AppRecs review analysis
AppRecs rating 4.4. Trustworthiness 0 out of 100. Review manipulation risk 0 out of 100. Based on a review sample analyzed.
★★★★☆
4.4
AppRecs Rating
Ratings breakdown
5 star
88%
4 star
0%
3 star
12%
2 star
0%
1 star
0%
What to know
✓
High user satisfaction
88% of sampled ratings are 5 stars
⚠
Pricing complaints
Many low ratings mention paywalls or pricing
About UB Negosyante
Designed to take the hassle out of banking so you could focus on growing your business. Enjoy seamless experience with UB Negosyante SME Business Banking.
Open an account
• First Philippine Bank to enable customers to open business accounts without going to the branch
• Choose between Business Starter with an initial deposit of PHP 5,000.00 or
Business Check with an initial deposit of PHP 100,000.00
Deposit Checks
• Deposit checks up to PHP 500,000.00
• Deposit checks by taking a photo via the app
• Get notified of your status through the app
Request Payments
• Collect payments with your own checkout page
• Provide your customers the option to choose between UnionBank Online,
InstaPay, GCash, GrabPay, Debit or Credit Card, Palawan Express, and more
• Monitor your payments and get notified in real-time
Transfer Funds
• Save your frequent recipients
• Schedule your transfers
• Transfer funds to anyone, to any bank, any time, without any enrollment or
going to the branch
• Real-time crediting for transfers between your accounts or other UnionBank
accounts
• Transfer real-time up to PHP 50,000.00 via InstaPay
• Transfer to anyone with PESONet. Same or next business day crediting
• Transfer U.S. Dollars to other local banks via PDDTS for only US$ 2.00
• Transfer U.S. Dollars internationally via SWIFT for only US$ 15.00
Pay Bills
• Select from over 300+ billers
• Pay your utility, phone, rent, and more
• No need to enroll billers
• Save billers you regularly pay
• Schedule your regular payments
Approvals
• Manage transactions that require your approval
View Accounts
• View all your account balances in one place
• Real-time monitoring of your transactions
Security
• Secured access enabled by OTP and biometrics
• Self-service password reset and profile unblocking
2022 Outstanding Digital CX Payments by The Digital Banker
2022 SME Bank of the Year by Asian Banking and Finance
2021 SME Bank of the Year by Asian Banking and Finance
2021 SME Bank of the Year by EFMA
2021 Best Bank for SMEs by Asiamoney
2021 Best Mobile Banking Technology by Asian Banking and Finance
Also available on the web: https://business.unionbankph.com
Union Bank of the Philippines is regulated by the Bangko Sentral ng Pilipinas.
For inquiries and comments, reach out to us through UnionBank Business Support at business@unionbankph.com or (02) 8-667-2668.
Member: PDIC. Maximum deposit insurance for each depositor: PHP 500,000.
Open an account
• First Philippine Bank to enable customers to open business accounts without going to the branch
• Choose between Business Starter with an initial deposit of PHP 5,000.00 or
Business Check with an initial deposit of PHP 100,000.00
Deposit Checks
• Deposit checks up to PHP 500,000.00
• Deposit checks by taking a photo via the app
• Get notified of your status through the app
Request Payments
• Collect payments with your own checkout page
• Provide your customers the option to choose between UnionBank Online,
InstaPay, GCash, GrabPay, Debit or Credit Card, Palawan Express, and more
• Monitor your payments and get notified in real-time
Transfer Funds
• Save your frequent recipients
• Schedule your transfers
• Transfer funds to anyone, to any bank, any time, without any enrollment or
going to the branch
• Real-time crediting for transfers between your accounts or other UnionBank
accounts
• Transfer real-time up to PHP 50,000.00 via InstaPay
• Transfer to anyone with PESONet. Same or next business day crediting
• Transfer U.S. Dollars to other local banks via PDDTS for only US$ 2.00
• Transfer U.S. Dollars internationally via SWIFT for only US$ 15.00
Pay Bills
• Select from over 300+ billers
• Pay your utility, phone, rent, and more
• No need to enroll billers
• Save billers you regularly pay
• Schedule your regular payments
Approvals
• Manage transactions that require your approval
View Accounts
• View all your account balances in one place
• Real-time monitoring of your transactions
Security
• Secured access enabled by OTP and biometrics
• Self-service password reset and profile unblocking
2022 Outstanding Digital CX Payments by The Digital Banker
2022 SME Bank of the Year by Asian Banking and Finance
2021 SME Bank of the Year by Asian Banking and Finance
2021 SME Bank of the Year by EFMA
2021 Best Bank for SMEs by Asiamoney
2021 Best Mobile Banking Technology by Asian Banking and Finance
Also available on the web: https://business.unionbankph.com
Union Bank of the Philippines is regulated by the Bangko Sentral ng Pilipinas.
For inquiries and comments, reach out to us through UnionBank Business Support at business@unionbankph.com or (02) 8-667-2668.
Member: PDIC. Maximum deposit insurance for each depositor: PHP 500,000.
UB Negosyante Screenshots
Tap to Rate:
Reviews for UB Negosyante
Michael Montalban
2/19/2026
Please allow screenshots of transactions because those are proof we send to our clients or for our record. Hassle na pipicture-an pa using a different phone. Update Feb 2026 Fedundant sending of OTP. To login, to trust device, to send.
Aldrich “Aldi” Daluz
1/24/2026
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