Open your
Biz Starter Account!

A checking account made for U, Negosyante!   ₱ 5,000 is all U need to open an account!

How would you like to open your account?

Apply Online

I would like to open my account digitally and submit the account opening forms via the web.

Apply Online
Request a call back

I would like to be assisted by a UnionBank officer.

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A global network of over 400,000+ MSMEs

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A global network of over 400,000+ MSMEs

Checkout frequently asked questions related to UnionBank MSME Business Banking

MSME stands for medium, small, and micro enterprises. A business is considered an MSME if its total assets are not more than P100,000,000. This can either be a single proprietorship, cooperative, partnership or corporation.

You can open an account digitally via https://portal.unionbankph.com/accountopening/

You can open a business starter account with an initial deposit of P5,000. The maintaining balance for this account is P5,000.00 as well. There are also NO ANNUAL fees for this.

1. For corporation the following documents are required:
a. SEC certificate of incorporation
b. Articles of incorporation
c. Lates General Information Sheet
d. Board Resolution and/or Secretary’s certificate
e. Company logo
2. For sole proprietorship, a DTI registration certificate is required

Note that both also require a business TIN number.

Yes. After a successful enrollment, you will automatically get access to the SME Business banking mobile application. Bank anywhere and anytime!

Yes. We have various banking solutions. You may check this link out: https://www.unionbankph.com/msme/products. We offer MSME business loans, revolving credit lines, e-commerce solutions, collection solutions, payment solutions, payroll solutions, and more!

The SME Business Banking app is a fully-featured mobile application available in both IOS and Android that allows MSMEs to transact and manage their accounts wherever they may be.

1. View your account balance and transaction history on the go
2. Pay your bills with the most extensive list of government and utility billers.
3. Transfer funds to both local and international banks. The website also allows batch transfer.
4. Setup simple to complex business approvals, choose what each employee can do or see.
5. Deposit checks without going to a branch
6. Open and manage payroll accounts of your employees with Batch Account Opening.
7. Enroll all your companies and subsidiaries and easily switch between them without needing to logout.
8. Collect payments immediately, easily, and conveniently through our Payment Gateway. Click HERE to learn more.

Stay tuned as we add more features for our MSMEs.

1. First, you need to click this link to start the account opening process. https://portal.unionbankph.com/accountopening/
2. After receiving a reference number via email, yYou will need to download the SME Business Banking app to complete your application
    a. IOS: https://apps.apple.com/ph/app/unionbank-sme-banking/id1498905979
    b. Android: https://play.google.com/store/apps/details?id=com.unionbankph.corporate.sme&hl=en&gl=US

1. For corporation, the following documents are required:
    a. SEC certificate of incorporation
    b. Articles of incorporation
    c. Lates General Information Sheet
    d. Board Resolution and/or Secretary’s certificate
    e. Company logo
    f. Business TIN number

2. For sole proprietorship, the following documents are required:
    a. DTI registration certificate
    b. Business TIN number

No. You may can accomplish your application in the comfort of your homes.

Business starter accounts need an initial deposit of P5,000. To avail of a checkwriter, you need an initial deposit of P100,000.

None. There are no additional fees in opening an account. Note however, that you need to fund the account with the initial deposit amount within 30 days from account opening to avoid account cancellation.

Yes you may. You just need to download the SME Business Banking app and use your Portal credentials to sign in.

You may enroll your UnionBank account digitally to use the app.

For inquiries and comments, please contact our 24-Hour Customer Service at

(+632) 8841-8600

1-800-1888-2277

(IAC) + 800-8277-2273

customer.service@unionbankph.com

UnionBank Plaza Bldg., Meralco Ave. corner Onyx St., Ortigas Center, Pasig City, Philippines

Union Bank of the Philippines is an entity regulated by the Bangko Sentral ng Pilipinas (BSP).