How Do I Get A Cash Advance On My UnionBank Credit Card?

most UnionBank credit cards support cash advances, but the feature isn't guaranteed for every product. Check your cardholder agreement, the UnionBank website, or the mobile app to see if 'cash advance' is listed among the card's services; some promotional or corporate cards may be excluded.

If the agreement or app shows a cash‑advance option, you can confirm by calling UnionBank's customer service line or visiting a branch. Verifying now saves you a surprise later, especially since limits and fees differ by card type and may affect the next steps in this guide.

Your UnionBank credit card's cash‑advance limit and daily withdrawal cap are listed in your card agreement and can be verified through online banking or the UnionBank app.

• Cash‑advance limit - Usually a percentage of your total credit line (often up to 20 % of the approved limit), subject to your specific card terms; the exact figure appears under 'Cash Advance Limit' in the app or account portal.
• Daily withdrawal cap - Generally a maximum amount you may pull in any 24‑hour period, expressed in PHP; UnionBank labels this as the 'Daily Withdrawal Limit' and it resets each day.
• Where to view - Log in to UnionBank online banking or open the mobile app, select your credit card, then scroll to the 'Limits & Fees' section to see both values.
• Confirm before withdrawing - Compare the amount you need with both the cash‑advance limit and the daily cap; exceeding either limit can cause the transaction to be declined.
• If unsure, call - The UnionBank hotline can confirm your current limits and explain any recent changes to your account.

*Always double‑check the limits in your cardholder agreement before taking a cash advance to avoid unexpected declines or fees.*

Cash‑advance fees are charged at the time of withdrawal and interest begins accruing immediately, without a grace period.

1. Identify the fee amount. UnionBank's fee schedule usually lists a cash‑advance fee as a percentage of the amount withdrawn, often with a minimum dollar charge. Verify the exact percentage and minimum in your cardholder agreement or online account portal.
2. Know the interest rate that applies. The cash‑advance APR is typically higher than the purchase APR and starts on the transaction date, not the statement date. No interest‑free period is provided, so the balance begins accruing daily interest right away.
3. Account for additional charges. The ATM operator may add its own surcharge, which is added on top of UnionBank's fee. These ATM fees appear on the same line item as the cash advance on your statement.
4. Check how the fees are posted. Both the cash‑advance fee and any ATM surcharge are posted to your account instantly, so they appear on the next billing cycle's statement.
5. Confirm your total cost before proceeding. Add the cash‑advance fee, any ATM surcharge, and the first day's interest (calculated as the APR divided by 365 times the amount) to see the immediate cost of the transaction.

• Safety note: always review the specific fee percentages, minimums, and APR in your UnionBank card agreement before taking a cash advance.

Here's a quick example that shows how to calculate the total cost of a cash advance on a UnionBank credit card.

*Assume you withdraw PHP 10,000 as a cash advance.*

• Cash‑advance fee: Typically 3 % of the amount, so PHP 300 (subject to UnionBank's fee schedule).
• Interest charge: UnionBank usually applies interest immediately at the advertised annual rate (for example, 3.5 % p.a.). For a 30‑day period, interest ≈ (3.5 % ÷ 365 × 30) × PHP 10,000 ≈ PHP 29.
• Total cost after 30 days: Fee + interest = PHP 300 + PHP 29 ≈ PHP 329.

*What to double‑check:* the exact cash‑advance fee percentage, the APR that applies to cash advances, and any minimum fee that may be imposed. Verify these figures in your cardholder agreement or by contacting UnionBank before you withdraw.

You can check and request a cash advance directly from the UnionBank mobile app or by calling the UnionBank credit‑card hotline. In the app, log in, tap the 'Cash Advance' option, and the screen will display any available advance amount, applicable fees, and the interest that starts accruing immediately.

If you prefer phone service, dial the 24‑hour hotline listed on the back of your card; a representative will verify your identity, confirm your cash‑advance limit, and process the request over the call. Availability of the feature may differ across card types, but UnionBank offers the digital and phone channels to all credit‑card holders.

Before you finalize, review the displayed limit, fees, and total cost, then confirm the transaction. Keep a record of the confirmation number, and contact UnionBank right away if you notice any unauthorized cash‑advance activity.

Withdraw cash at a UnionBank ATM using your credit card

If your UnionBank card is approved for cash advances, simply insert it into any UnionBank ATM, select Cash Advance, enter your cash advance limit (or a lower amount), provide your PIN, and confirm the transaction. The machine will dispense cash and print a receipt that shows the amount withdrawn, the fee charged, and the interest that begins accruing immediately.

UnionBank typically enforces a daily withdrawal cap that may be lower than your overall cash‑advance limit, and fees are added per transaction. Verify that your PIN is active (you can set or change it via online banking) and that the ATM you're using supports credit‑card cash advances - some third‑party machines may decline the card. Remember, interest starts accruing right away, so plan to repay the balance promptly to avoid high charges. Always keep the receipt and monitor your statement for any unauthorized activity.

To request a cash advance over the counter, visit any UnionBank branch, present your credit card and a valid ID, and ask the teller for a cash‑advance transaction.

In‑branch service - The teller can pull the exact amount you need (subject to your cash‑advance limit) and will provide a receipt that shows the fee and interest that start accruing immediately. You may be asked to sign a slip, and the transaction is recorded in the same way as an ATM withdrawal, so UnionBank's cash‑advance fees and interest rates apply.

ATM/self‑service - Using a UnionBank ATM lets you withdraw cash without speaking to a person, but the machine dispenses only preset denominations and may charge an additional network fee. The same cash‑advance limit, fee structure, and immediate interest apply, so the cost is identical to an in‑branch request.

Before either method, confirm your available cash‑advance limit (see earlier sections) and be aware that interest begins accruing on the day of the withdrawal.

cash advance abroad with your UnionBank credit card at any Visa or Mastercard‑accepting ATM, provided the card is enabled for international use and you stay within your cash‑advance limit and daily withdrawal cap.

When you're overseas, follow these steps (all can be done in the same transaction):

• Make sure you've informed UnionBank of your travel dates or activated overseas usage via the app or hotline.
• Locate an ATM that displays the Visa/Mastercard logo; most banks and currency‑exchange machines qualify.
• Insert your credit card, choose 'Cash Advance' (or 'Credit Card Cash Withdrawal'), and enter your PIN.
• Enter an amount that does not exceed your approved cash‑advance limit or the ATM's per‑transaction ceiling.
• Confirm the transaction, keep the receipt, and note the foreign‑exchange rate shown.

After you return, compare the receipt amount (converted to PHP) with the amount posted to your account, then prioritize repayment to limit the high‑interest charges that begin accruing immediately. Monitor your statements for any unexpected fees or exchange‑rate mark‑ups, and contact UnionBank right away if a transaction looks unfamiliar.

If you can't locate your UnionBank credit card, the bank does not offer a card‑less cash‑advance feature; a physical card is required for any ATM or over‑the‑counter withdrawal.

In an emergency you can consider other sources that do not rely on the credit‑card ATM function, such as:

• Transferring funds from your UnionBank online account to a linked debit or savings account, then withdrawing with that debit card.
• short‑term personal loan or line of credit from UnionBank or another lender, which can be deposited directly into your account.
• different credit card that does allow a cash advance, if you have one available.
• Borrowing cash from a trusted family member or friend while you arrange a replacement card.

Each alternative carries its own fees, interest, or repayment terms, so review the applicable agreements before proceeding.

keep your credit‑card details secure and report a lost or stolen card to UnionBank immediately.

Pay off the cash‑advance balance as soon as possible; interest starts accruing the moment the advance is taken, with no grace period.

• Make a same‑day payment through UnionBank's online or mobile platform to stop daily interest from compounding.
• If you can't clear the full amount, pay more than the minimum and specify that the payment should be applied to the cash‑advance portion of your balance.
• Aim to settle the cash‑advance before the statement closing date; any balance carried into the next billing cycle will generate additional interest.
• Set up an automatic payment that targets the cash‑advance balance each month, so you don't rely on manual reminders.
• Only borrow what you truly need; a smaller advance reduces both the fee and the interest that can accrue.
• After paying, verify on your statement that the cash‑advance amount is shown as 'paid in full' or that the payment was credited to that portion.
• If the interest charge looks higher than expected, contact UnionBank's hotline to confirm the APR and fee applied to your cash advance.

Paying quickly limits the days interest can accumulate, keeping the overall cost of the advance as low as possible. Always check your cardholder agreement for the exact cash‑advance APR and fee schedule before borrowing.