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UCPB.com | Mobile Phone Banking

Mobile Phone Banking


UCPB Mobile Phone Banking allows you to perform banking transactions using your iOS or Android mobile phones and gadgets.
  • Inquire balances of your peso and US dollar accounts
  • Transfer funds between UCPB accounts
  • Pay your utility, credit card and other bills
  • Buy load for Globe, Smart or Sun Cellular phones for as low as Php15.00
  • View the history or log all transactions in the last 90 days

Frequently Asked Questions

How do I enroll?
Effective December 11, 2017, all active UCPB Connect users may now access the Mobile Banking App using the same login credentials. No additional enrollment needed.
If you do not have a UCPB Connect User credentials yet, please click here for the enrollment instructions.
What are the accounts that I can enroll in UCPB Connect?
You may enroll your UCPB Savings and/or Checking Account (Peso or Dollar). At the moment, e-Money and foreign currency accounts cannot be enrolled in UCPB Connect.
What if I enrolled in UCPB Connect using my Mobile Phone?
For UCPB Connect Registration done via mobile phone, you may screen capture the confirmation page and send it to any device that can be connected to a printer. Kindly print the form and visit any UCPB branch to activate your account.
What phones and gadgets can I use for Mobile Banking?
The UCPB Mobile Phone Banking application works and can be installed on most phone brands/models.

  1. Oreo (8.0)
  2. Nougat (7.0-7.12)
  3. Marshmallow (6.0-6.0.1)
  4. Lollipop (5.0 – 5.1.10)
  5. Kitkat (4.4-4.4.4)
  6. Jellybean (4.1-4.3.1)
  7. IOS versions (9.3 to 11)
Can I use the UCPB Mobile Phone Banking Service on any network?
Yes, as long as you activate the roaming service for the mobile phone number you have registered in our system. Please take note that your phone’s carrier may charge additional fees for use of roaming services. For iPhone, iPad and iPod Touch, you need to have access to the Internet to avail of the service.
Can I use the UCPB Mobile Phone Banking on more than one phone?
You may access the mobile phone banking application on more than one phone using your log-in username and password. You may download the app from the Apple App Store for your iPhone, iPad or iPod Touch. For Android users, you can get the Android App from Google Play Store.
Can I use both the Mobile Banking and Online Banking simultaneously?
No, you may only access your account one platform at a time. If you are currently signed on to Online Banking and you tried to log on to your Mobile app, the Online Banking platform will automatically log you out from the system (and vice versa).
How do I log in?
Please use your UCPB Connect User ID and password for both Online and Mobile Banking. If you do not have a UCPB Connect User ID and password yet, kindly enroll here first.
What if I forget my Password?
Please call your maintaining branch for the requirements to reset/regenerate your password. Kindly send a signed request to reset password to your maintaining branch.
Can I set my Mobile App to remember my User ID?
Yes, to make it easier for you, you may setup your login page to automatically show your User ID so you will no longer need to re-type it. For your security, you will need to enter your log in password and the One Time Password (OTP) to proceed.
What are the passwords I need to be able to transact aside from my User ID and Password?
Online Banking
You will need a transaction password to pay bills and transfer funds when using the online facility. Click on the Generate Transaction Password button to send an email or an SMS to your number/ email address we have on file. The transaction password is valid per log in.

Mobile Banking

  • You will need a One Time Password (OTP) before you can access the mobile app. After logging in, choose between SMS or email to receive the OTP via your mobile number or email address we have on file. The OTP is valid per log in.
  • You will need a transaction password to pay bills, buy load and transfer funds when using the mobile app. The transaction password is the same as your log in password.
How long is the validity of the One Time Password (OTP)?
Your OTP is valid only for 5 minutes. If you were unable to enter the OTP within the prescribed period, you may re-initiate another OTP.
How much will I be charged?
Effective January 11, 2017, all UCPB Mobile Phone Banking transaction fees are waived:

Transaction Transaction Fee (For Peso Accounts) Transaction Fee (For Dollar Accounts)
Balance Inquiry Free of Charge Free of Charge
Fund Transfer Free of Charge Free of Charge
Buy Airtime load Free of Charge N/A
Bills Payment Free of Charge N/A
Transaction History Free of Charge Free of Charge

These fees are on top of the SMS fee charged by your mobile phone network operator or internet charges.

How much are the transaction limits using the Mobile App?
Please visit our Transaction Limits page.
Can I transact using my mobile phone after banking hours, or on a non-banking day or holiday?
Yes. You may inquire the balances of your accounts, transfer funds, pay bills and purchase load even after banking hours or on a non-working day or holiday. Your account just need to have sufficient available balance and your phone must have load or internet connection (for iPhone/iPad/iPod Touch).
Can I transfer funds from my peso account to my dollar account and vice-versa?
No. Fund transfers can only be done between accounts having the same currency. Only Peso to Peso transfers, or Dollar to Dollar transfers are allowed.
How long will it take for UCPB to process my transactions?
All transactions coursed through the UCPB Mobile Phone Banking Service are immediately processed. Fund transfers using this facility are processed in real time, while posting of bills payment transactions will depend on the specific schedules observed by each biller.
Can I use the UCPB Mobile Phone Banking while I am in other country?
Yes, as long as you activate the roaming service for the mobile phone number you have registered in our system. Please take note though, that your phone carrier may charge additional fees for use of roaming services. For iPhone, iPad and iPod Touch, you need to have access to the internet to avail of the service.
What if my account requires two or more signatories (Joint ''AND'' Joint ''OR'' Accounts)?
Currently, only one accountholder/signatory can register to and use the UCPB Mobile Phone Banking facility.
What do I do if I want to change my email address or mobile number?
Please visit Update Info page. It’s a secure, easy to access online facility where you can update your contact information without going to the branch.
Will I receive a notification on every transaction I made through UCPB Connect?
Yes, we will send all notifications to your registered email address and mobile number.
How do I access the 90-Day Transaction History?
After logging into your UCPB account, select the “View Accounts” menu option, and then “View History” of the account that you would like to check.
Why are there “Full Transaction History” and “Mobile Transactions Only” tabs? What is the difference?
“Full Transaction History” refers to all types of transactions you made in the last 90 calendar days (transaction details not included).

On the other hand, “Mobile Transactions Only” is strictly for transactions you made through the mobile banking application. Only the last 10 transactions made will be displayed for the user (transaction details are included).

What is the “Search by Date” tab?
This tab allows you to select a start and end date within the last 90 calendar days so that you can view the transactions made during those dates. This is only available when in the “Full Transaction History” tab.
I tapped “Show More Transactions”, but why aren’t the rest of my transactions loaded?
Tapping “Show More Transactions” will add 10 transactions at a time. Please continue loading more transactions until it says “No More Records to Display”.
What will happen if I unintentionally forgot to log off in Mobile Banking?
If your account does not have a movement/ transaction for the last 5 minutes, the system will automatically log you out to prevent unauthorized users from accessing your account.
What will happen if my Mobile phone was lost or stolen, do I need to re-enroll again?
You don’t have to re-enroll again. Just download the app on your new phone and use your Connect User ID and password.
What do I do if I experience a session timeout?
For your security, if you do not have a movement/ a transaction within 5 minutes, the system will automatically log you out. This is called a session timeout. Kindly log in again using your Connect User ID and password to transact.
Is there an Average Daily Balance to access UCPB Mobile Phone Banking?
There is no required Average Daily Balance to access the UCPB Mobile Phone Banking Service. However, the Average Daily Balance required for the type of account you opened with the Bank has to be maintained to avoid service charges for falling below the required ADB.
How do I contact UCPB Customer Relations Center if I still have other inquiries or concerns regarding the UCPB Mobile Phone Banking Service?
For inquiries and concerns, you may call UCPB Customer Relations Center Hotline at telephone number (+632) 8811-9111, Mondays thru Fridays, from 7 a.m. to 6 p.m.
Where can I view the Terms and Conditions of this service?
Please click here to view the Terms and Conditions.

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For more information, please contact
UCPB Trust Banking Group:
(02) 8811-9520, 8811-9515, or 8811-9541
trust@ucpb.com

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