How to Report a Lost or Stolen UnionBank Credit Card

When Every Second Counts

Losing your credit card is one of the most stressful experiences — lalo na kung first time mo magkaroon ng card. A single swipe from a stranger could mean thousands of pesos charged to your name. But don’t panic! UnionBank makes it fast and simple to report a lost or stolen credit card so you can protect your money immediately.

In this guide, we’ll walk you through exactly what to do step-by-step, explain how UnionBank helps keep your account safe, and share real examples so you know what to expect.

Why Reporting Immediately Matters

Many new credit cardholders underestimate the importance of acting quickly. But here’s the truth:

The moment your card is lost, someone could use it for online or in-store purchases.
Fraud protection only works after you report the loss.
If you delay, you may still be liable for transactions made before you inform the bank.

Example:

Let’s say your UnionBank credit card was stolen at 3 PM and you notice it missing at 5 PM. If you call UnionBank by 5:05 PM, any fraudulent transaction made after that time will usually be protected under UnionBank’s liability policy.

That’s why your first move is to contact UnionBank immediately.

Step-by-Step: How to Report a Lost or Stolen UnionBank Credit Card

1️⃣ Open the UnionBank App

If you still have your phone, open the UnionBank Online App.
Go to:
Menu → Credit Cards → Manage Card → Report Lost/Stolen.

Tap “Report Lost Card”, and follow the prompts. The app will automatically block your card to prevent any further transactions.

💡 Tip: This feature is available 24/7 — no need to wait for banking hours.

2️⃣ Call UnionBank’s 24-Hour Hotline

If you can’t access the app, call UnionBank right away using any phone.
(You can find the number at the back of your billing statement or from the UnionBank website if you can still go online.)

Tell the agent:

Your name and date of birth for verification
The last transaction you remember
Whether the card was lost or stolen

Once verified, the agent will block your card instantly and issue a replacement.

3️⃣ Confirm Replacement and Delivery

After your card is blocked, UnionBank will send a replacement card to your registered address.

Typical timeline:

Metro Manila: 5–7 working days
Provincial areas: 7–10 working days

Before using your new card, you’ll need to activate it via the UnionBank App — just like you did the first time.

What Happens After You Report

🔒 1. Card Blocking

UnionBank blocks the old card so no one can use it, even if they try to swipe it or enter the number online.

🧾 2. Fraud Investigation

If any suspicious charges appear, UnionBank may investigate and reverse them if proven fraudulent.

💳 3. Replacement Card Issued

You’ll get a new card with a new number but your old credit limit and balance remain unchanged.

Real-Life Example: A Quick-Action Story

Let’s say Anna, a first-time UnionBank Gold Mastercard holder, was traveling to Cebu and realized she lost her wallet at the airport.

She immediately opened her UnionBank App and tapped “Report Lost Card.”
Within seconds, the card was blocked.
An hour later, she received a confirmation email.
After returning to Manila, her replacement card arrived in 5 days.

Because she reported it fast, UnionBank covered all unauthorized transactions, saving her ₱18,000 in potential fraudulent charges.

Lesson: Speed protects your money.

How to Monitor Your Card After Replacement

Once you get your new card:

Re-add it to your UnionBank App if needed.
Update auto-payments (Netflix, Grab, Shopee, etc.) with your new card number.
Check your e-Statements or transaction list weekly to ensure everything looks normal.

Tip: Turn on app notifications so you get an alert for every new transaction.

Common Mistakes New Cardholders Make

❌ 1. Waiting Too Long to Report

Some people think, “Maybe I just misplaced it.” Every hour counts — report first, look later. You can always request an unblock if you find it.

❌ 2. Ignoring Small Suspicious Charges

Scammers often test your card with a ₱10 or ₱50 transaction before going big. Don’t ignore it — it could mean someone already has your details.

❌ 3. Forgetting to Update Saved Payments

If your old card is blocked, your online subscriptions (Spotify, Lazada, etc.) will fail unless you update your card info.

❌ 4. Not Checking Statements

You might miss small fraudulent transactions if you don’t review your e-Statement regularly.

💡 Use the Credit Card Cost Calculator to Stay in Control

Even after you get your replacement card, it’s important to track your credit usage and payments wisely.

Try the Credit Card Cost Calculator — it helps you understand how much interest or payment you owe each month.
You can simulate:

How much you’ll pay if you only make the minimum payment
How much you save if you pay in full
How interest compounds over time

This tool is perfect for new users who want to learn how credit card interest really works and avoid unnecessary charges.

What If You’re Abroad When You Lose Your Card?

If you’re overseas, the process is similar:

Call UnionBank international hotline using a roaming phone or via online apps (like Viber or Skype).
Ask to block your card immediately.
You can request a replacement card to be delivered internationally or wait until you return to the Philippines.

Tip: Always keep a photo of your card (front only) and UnionBank hotline numbers saved in a secure note or cloud drive before traveling.

Extra Protection Tips

Use transaction alerts — every swipe, you’ll get a notification.
Never share your CVV or OTP even if someone claims to be from the bank.
Avoid public Wi-Fi when checking your account.
Enable biometric login on the UnionBank App for added security.

If you frequently travel or shop online, consider using virtual cards inside the UnionBank App — these are digital versions of your card for safer transactions.

TL;DR – Quick Summary

Step	Action	Why It Matters
1	Report the lost card via the app	Instantly blocks unauthorized use
2	Call UnionBank hotline	Verifies your identity and confirms replacement
3	Wait for new card delivery	Continue using your card safely
4	Check your e-Statements regularly	Detects suspicious activity early
5	Use the Credit Card Cost Calculator	Learn how interest and payments work

FAQs

1️⃣ What should I do first if I lose my UnionBank credit card?
Open the UnionBank App and report it as lost or stolen right away. This automatically blocks your card to prevent misuse.

2️⃣ Will I be charged for the replacement card?
Usually yes, there’s a small replacement fee (around ₱400–₱500), but sometimes UnionBank waives it for fraud cases.

3️⃣ Can someone use my card online after I report it lost?
No. Once reported, the card number becomes inactive, so even if someone has your details, transactions will be declined.

4️⃣ What if I find my card after reporting it lost?
The card can’t be reactivated for security reasons. You’ll need to wait for your replacement card.

5️⃣ How long will it take to get my new card?
Expect about 5–10 working days depending on your location. Metro Manila deliveries are faster.

Final Thoughts

Losing your credit card doesn’t have to be a nightmare — basta alam mo ang gagawin. With UnionBank’s fast online and hotline reporting tools, you can secure your account in minutes.

Remember: act quickly, double-check your transactions, and always keep track of your payments with the Credit Card Cost Calculator to stay financially smart.

Your credit card is more than just plastic — it’s a financial tool. Protect it like cash, and it will serve you for years.

How to Report a Lost or Stolen UnionBank Credit Card