Beginner’s Guide to Opening a UnionBank EON Account Online



Last updated March 16, 2022

More and more Filipinos are seeing the importance of having a bank account. In fact, the number of people with deposit accounts increased from 53.5 million in 2016 to 57.1 million in 2017[1]. It is no surprise especially now that opening a bank account can be done online. One of the few banks that offer this feature is EON from UnionBank.

UnionBank EON provides an easy way to shop online, pay bills, and transfer funds. Keep on reading to know the types of accounts available and how you can apply for one.

What is EON account?

EON is one of the first fully digital banks in the Philippines. This neo banking platform allows clients to apply and access their accounts through the official EON website, or through the official UnionBank EON app. You can also get EON Visa cards at select UnionBank branches nationwide.

The digital platform aims to "deliver convenient and secure banking services to individuals and communities". UnionBank EON recently partnered with the Imus City local government to provide monetary assistance to Imuseños during the pandemic[2].

Different Types of UnionBank EON Accounts

UnionBank's EON offers five types of bank accounts, all depending on various budgets and needs. EON accounts serve as debit cards, which you can use to collect and add funds, send and receive money, and withdraw cash from ATMs here and abroad.

EON account benefits and features:

  • Move money to another EON account, another UnionBank account, or account in another bank
  • Pay bills for utilities, water, telco, insurance, and more
  • Purchase top-ups for transportation or credits for mobile games
  • Shop online from stores in the Philippines and abroad
  • Pay for apps like Spotify, Netflix, FoodPanda, and Grab
  • Withdraw cash using your EON Visa Card from BancNet and Visa ATMs nationwide

Read more:  Online Banking in the Philippines: The Benefits of Going Cashless

EON Starter

  • PHP 5,000 maximum monthly fund limit
  • Can receive money
  • Annual fee: PHP 100
  • Cash withdrawal is not allowed

EON Lite

  • PHP 100,000 maximum monthly fund limit
  • Can receive and send money
  • Annual fee: PHP 100
  • Withdraw cash from any ATM worldwide

Eon Plus

  • PHP 500,000 maximum monthly fund limit
  • Can receive and send money
  • Annual fee: PHP 200
  • Withdraw cash from any ATM worldwide

Eon Pro

  • PHP 1 million maximum fund limit
  • Can receive and send money
  • Annual fee: PHP 350
  • Withdraw cash from any ATM outlet worldwide

Eon Cyber

  • No funds limit
  • Can receive and send money
  • Annual fee: PHP 350
  • Withdraw cash from any ATM outlet worldwide

UnionBank EON Requirements

Thinking of applying for an EON account? Prepare the following requirements first:

  • Accomplished online form
  • Selfie for confirmation
  • Your active mobile number
  • Any of the following valid IDs:
    • Passport
    • School ID
    • GSIS, SSS, or UMID ID
    • PhilHealth ID
    • Alien Certificate of Registration
    • Driver’s license
    • PRC license

Related article: Metrobank Online: How to Create an Account, Send Money, Check Balance, Pay Bills, and More

How to Apply for a UnionBank EON Account

You don’t need to go to the nearest UnionBank branch to apply for an EON account. You can do it online or through the EON app. Here are the steps to UnionBank EON application:

UnionBank EON Account (Starter, Lite, Plus, and Pro)

  1. Visit and click on “Apply for an EON account”. Select “Open an EON Account today!”
  2. Read the EON Relationship Agreement and press continue
  3. Take a selfie and agree with the EON Account Term of Use
  4. Choose an ID to present. Select the ID type and ID number
  5. Scan or upload a photo of your selected ID
  6. Create a username and password for your account
  7. Fill out your information and set up your notification settings

UnionBank EON Cyber Account

  1. Visit and click on “Apply for an EON Cyber Account”
  2. The page will redirect you to an online form that you need to accomplish
  3. Fill out the required information, take a selfie, and upload a copy of your valid ID
  4. Input your preferred name to be printed on the card
  5. Choose which UnionBank branch you would like to claim your EON Cyber Card
  6. You will receive a text and email notification for card availability, or any concern related to your EON Cyber Account application

How to Claim Your UnionBank EON Cyber Card

  1. You will be notified via text and email once your card is ready for pick-up at your preferred UnionBank branch
  2. To claim your card, you must present the original ID you uploaded in your online application. You will also be asked to sign a Customer Account Information Form
  3. Once everything is validated, you will receive a welcome pack including your EON Cyber card, a free EON Money Prepaid Card, and a PIN mailer

Where to Buy UnionBank EON Visa Cards

Apart from applying for an EON account online, you can also get an EON Visa Card at select stores nationwide. The EON Starter Kit card costs PHP 150 and can be purchased in the following stores:

  • 7-Eleven
  • All Day
  • Ministop
  • Coffee Project
  • Fone Kard Station

UnionBank EON Starter Kit Registration

After getting your EON Starter Kit, you need to download the UnionBank app and register for an account.

  1. Open the UnionBank EON app and click “Get Started”
  2. Take a selfie. You will be then taken to a welcome screen and asked if you already have an existing EON Account.
  3. Select “ No, this is my first time”
  4. Agree with the Relationship Agreement to continue
  5. Once agreed, choose “I bought an EON Starter Kit” in the options
  6. Agree to the EON Account Terms of Use to continue with the registration
  7. Finally, you will be asked for the following:

  • Front and back photo of a valid ID
  • Nominate a user ID and password
  • Fill out required information and app preference
  • Nominate a PIN for ATM transactions

You may check this video to walk you through with the steps on how to apply EON from UnionBank through internet.

How to Withdraw and Deposit Money with EON

To withdraw cash from your UnionBank EON account, simply go to your preferred ATM. To add money to your account, follow these steps:

  1. Launch the UnionBank EON app and tap on the ellipses to access additional options.
  2. Select the cash in button
  3. Generate a reference code by entering your card number
  4. Go to the nearest 7-Eleven branch and present the reference code to the cashier along with your payment
  5. A PHP 10 fee will be charged on top of your cash-in amount

UnionBank EON Card Fees and Charges

Below are the fees and charges associated with an EON account:

  • Annual fee: PHP 100 to PHP 350, depending on account type
  • Card replacement fee: PHP 150
  • Cash-in fee: PHP 10
  • ATM balance inquiry: PHP 1 (local), USD 1 (overseas)
  • ATM cash withdrawal: PHP 15 (local), USD 3 (overseas)
  • Fund transfer: PHP 10

Final Thoughts

UnionBank EON internet banking makes it more convenient to create and manage a bank account. It also makes paying bills and shopping a lot easier. Do you think this account is right for you? Make sure to compare your options and review the features and fees!

Read more: Mobile Banking Apps You Need to Know AboutFind the right credit card for you at Moneymax!


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