UnionBank Launches Zero-Touch Fully Digital Payroll Onboarding

UnionBank Puts Businesses First with Zero-Touch Onboarding

For many organizations, opening payroll accounts has long been a source of frustration—slow, manual, and resource-intensive. HR and Operations teams often spend days collecting documents, screening applicants, and coordinating with banks, only to encounter delays, missed cutoffs, and mounting administrative work. UnionBank is changing that narrative with the launch of a revolutionary, fully digital payroll onboarding solution.

Introducing Zero-Touch Onboarding, the country’s first payroll account opening solution that requires no manual intervention. Built on UnionBank’s award-winning Business Banking platform, The Portal, this innovation streamlines the entire onboarding journey for employers, employees, agents, and payees—cutting turnaround time from the industry norm of up to two weeks to less than 24 hours. The result is faster, hassle-free account opening, with salaries ready for crediting as early as the day after employees complete their digital account setup.

“With Zero-Touch Onboarding, we’ve reimagined one of the most time-consuming parts of HR operations,” said Erika Denise Dizon-Go, Senior Vice President and Deputy Head of Transaction Banking Center at UnionBank. “We’re giving companies back valuable time while making banking simpler and more seamless for their employees. It’s a win-win solution that puts efficiency, speed, and customer-centricity at the forefront of the digital experience.”

How It Works

Employees can open a payroll account using their mobile phones by simply scanning a QR code generated through The Portal. Once scanned, they complete the process in minutes via the UnionBank Online app—no paperwork, no back-and-forth, no waiting. For HR teams, the process is truly zero-touch: there’s no need to collect or process individual documents, as UnionBank manages verification, approval, and activation end to end. Once accounts are opened, HR officers can view employees’ account numbers directly on The Portal.

Zero-Touch Onboarding builds on the success of eDAO (ePaycard Digital Account Opening), launched in 2021 as the Philippines’ first digital onboarding alternative for corporate payroll accounts. This latest innovation takes it a step further, delivering a fully automated experience that allows organizations to onboard employees at scale—efficiently and seamlessly within 24 hours.

“This is what UnionBank does best—identifying real challenges faced by clients and solving them through technology and collaboration,” added Dizon-Go. “Zero-Touch Onboarding shows how digital innovation, when paired with human insight, can help businesses operate better, faster, and smarter.”

UnionBank’s continued focus on innovation has earned it numerous industry accolades, including being named Digital Bank of the Year six times by The Asset’s Triple A Awards, as well as Best Digital Bank Philippines by Asiamoney and International Finance Magazine. With the launch of Zero-Touch Onboarding, UnionBank elevates NextGen Banking—transforming corporate banking into a frictionless, intelligent platform where automation removes complexity, technology empowers people, and innovation drives growth.

To learn more about UnionBank’s Zero-Touch Onboarding, email business@unionbankph.com. For other business products and services, visit www.unionbankph.com or follow UnionBank on Facebook, X (formerly Twitter), Instagram, and YouTube. Deposits are insured by PDIC up to ₱1,000,000 per depositor. For assistance, contact the Customer Service Hotline at (+632) 8841-8600. Union Bank of the Philippines is regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph).