How to report lost or stolen Union Bank credit card
Losing a Union Bank credit card or realizing it has been stolen is an urgent matter. The longer it takes to respond, the higher the risk of fraudulent charges.
A card in the wrong hands can quickly be used for unauthorized transactions, sometimes within minutes of being misplaced. This makes rapid reporting a critical responsibility for every cardholder.
Union Bank has designed multiple channels to make the reporting process straightforward and accessible.
From mobile app features to secure web access and a 24-hour hotline, customers have reliable ways to act quickly.
Choosing the right method depends on individual circumstances, but all options provide immediate safeguards.
By reviewing these official steps in detail, cardholders will be able to react with confidence. Acting decisively can protect credit scores, minimize financial losses, and help restore peace of mind during a stressful situation.
Why Immediate Reporting Protects Your Finances
When a card is lost or stolen, the risk is not just about losing a piece of plastic. It can lead to fraudulent purchases, cash advances, or even identity-related concerns if criminals gain access to your information.
Acting within hours instead of days can prevent disputes and lengthy investigations.
Union Bank has invested in systems that respond immediately to cardholder reports. Locking a card through the app or web portal disables all transactions in real time.
Calling the hotline also ensures that trained representatives block accounts without delay.
This layered security approach reassures customers that help is available through multiple channels at any moment.
Blocking the Card Using the Mobile App
The UnionBank Mobile App provides one of the fastest solutions for emergencies. Having direct access on your phone eliminates the need to wait in line or speak with an agent.
More importantly, it allows you to stop transactions the moment you realize the card is missing.
Steps to follow using the app:
- Open the UnionBank Mobile App and sign in using your account credentials.
- Go to your dashboard and tap the credit card that has been lost.
- Select Card Settings from the options menu.
- Slide the toggle for Lock Card to disable transactions immediately.
- Confirm by tapping Lock Card again to complete the action.
After taking these steps, the card is blocked in real time. This means no merchant should be able to process charges on the account.
The app also provides options to request a replacement card, which ensures continuity of use once the issue is resolved.
The convenience of this method makes it ideal for users who carry smartphones. However, cardholders should make sure their app is updated to the latest version to avoid technical issues during emergencies.
Using the UnionBank Online Portal
Some users prefer using desktop tools, especially when they are at home or office.
The UnionBank Online portal is a secure and effective method for reporting a lost or stolen card.
It provides a structured interface that allows not only card blocking but also access to other account management features.
Steps on the online portal:
- Log in to UnionBank Online from the secure website using your username and password.
- Navigate to your credit card account and click Manage Card.
- Select Report Card, then choose Lock My Card.
- Click Proceed to Card Reporting to finalize the block request.
Completing this process ensures that your card is locked and flagged for replacement. Using the portal is particularly useful if your mobile device is unavailable, or if you prefer a larger screen for managing financial tasks.
Calling the UnionBank Hotline
There are situations when neither app nor online access is available, such as when you lose your phone along with your wallet.
In these cases, calling Union Bank’s customer service hotline remains the most reliable choice.
It connects you directly with a representative who can verify your identity and process the report immediately.
Union Bank provides several contact numbers for this purpose:
- Metro Manila: (+632) 8841-8600
- PLDT domestic toll-free: 1-800-1888-2277
- International toll-free: +800-8277-2273
Hotline services operate 24/7, ensuring cardholders can get assistance at any time of day.
Speaking with an agent also allows you to ask clarifying questions about replacement procedures and fraud monitoring.
What Happens After Reporting
Reporting the card is only the first step. Afterward, Union Bank initiates a replacement process, with new cards typically delivered within a few business days depending on your location.
Cardholders should monitor their registered email and mobile number for updates.
It is also wise to check recent statements for suspicious transactions. Any charge you do not recognize should be reported immediately through the app, portal, or hotline.
Union Bank’s fraud monitoring team can then investigate and resolve disputes. Updating contact details and delivery addresses ensures that the replacement arrives without unnecessary delays.
Frequently Asked Questions
- How fast does the mobile app block a card?
The block is immediate. Once the toggle is confirmed, transactions are disabled in real time. - Can I request a replacement using the online portal?
Yes. After locking the card under Manage Card, you can proceed with a replacement request directly online. - Is the hotline available outside the Philippines?
Yes. Union Bank provides an international toll-free number (+800-8277-2273) for overseas cardholders. - Are replacement fees charged automatically?
Fees depend on the card type. Reviewing your credit card terms or asking the hotline confirms if charges apply. - What if fraudulent charges appear after reporting?
Contact Union Bank immediately. Their fraud team investigates disputes and works to reverse unauthorized charges.
By knowing exactly how to report a lost or stolen Union Bank credit card, cardholders can act swiftly to protect their finances.
Using the mobile app, web portal, or hotline ensures security while the replacement process restores access quickly and safely.