UnionDigital Bank review
A free mobile bank app focused on everyday banking, savings and time deposits.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
UnionDigital Bank is a Philippine digital bank with a mobile app for personal banking. It is suited to people who want savings accounts and fixed-term time deposits alongside everyday payment tools. The app is available on iPhone and Android, and its listed services include bank transfers, bill payments, QR-based peer-to-peer payments, and cash deposits through partner locations. Digital cash loans are also part of the offering for eligible customers.
The app combines savings and transactions rather than focusing on a single banking task. Customers can add funds through bank transfers or partner cash-deposit locations, move money between UnionDigital accounts and other banks, and pay bills or peers using QR payments. Its category specifications list a savings rate of up to 4%. Fixed-term time deposits add a separate option for customers willing to set money aside for a term. Biometric authentication and in-app one-time passwords are available for account security. The bank is regulated by the Bangko Sentral ng Pilipinas, and deposits are insured by the Philippine Deposit Insurance Corporation subject to its stated coverage limit.
UnionDigital is a mobile-only option, so it may not suit people who want desktop banking or broader access channels. Its loan service is conditional on customer eligibility, and support is provided by email. The app is described as free to download, but that does not establish whether individual banking services carry fees. Choose it if Philippine savings, time deposits, cash deposits and mobile payments are the main priorities; consider another provider if you need desktop access, more support channels or a clearly published account fee schedule.
UnionDigital Bank pros and cons
- Where it wins
- Offers savings accounts and fixed-term time deposits
- Supports cash deposits, transfers, bill payments and QR payments
- Includes biometric authentication and in-app one-time passwords
- Where it doesn't
- Mobile-only access on iOS and Android
- Cash loans are available only to eligible customers
- Support is offered through email
UnionDigital Bank fact sheet, pricing and score →
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