Note: I noticed that UnionBank made some changes for the application of EON card. Thus this article was updated to reflect those changes.

Last week, I tried to purchase a book using my Paypal account. The problem is that I can't purchase the book because Paypal is preventing me because I haven't linked my account yet to any credit or debit card. I tried, in vain, to use my BPI ATM Card as a debit card so that I can finally verify my Paypal account. Even though my BPI ATM Card a VISA logo on the back, Paypal can't accept it for verifying my account.

I called BPI customer service and they said that they don't have special arrangement with Paypal so my BPI ATM Card can't be used to verify my account.

I discovered that only Unionbank is the only bank in the Philippines that has special arrangements with Paypal. In the Philippines, only Unionbank's EON Card is accepted by Paypal as a debit card that can be used to verify Paypal accounts. Because of this, I was forced to apply for Unionbank EON Card.

Requirements for Unionbank EON Card Application

Here are the requirements for Unionbank EON Card according to Unionbank's website:

1. Unionbank EON Card Application form – This can be downloaded from Unionbank's website. This is also available from any Unionbank branch and you can fill it up when you apply for Unionbank EON Card.

2. One photo-bearing valid ID. You can see the list of valid IDs this page of UnionBank's website.

3. 350 Pesos – This is the fee that you have to pay when applying for Unionbank EON Card.

How I Applied for Unionbank EON Card

I went to the Unionbank branch near my office. I told the Unionbank teller that I am applying for a Unionbank EON Card. I was given an application form, which I filled up. Also, the Unionbank teller will ask for my IDs, which she photocopied. The application for the Unionbank EON Card is done after filling up the application form. I did not paid the application fee yet. I paid the application fee after I got my Unionbank EON Card three days later.


Applying for Unionbank EON Card is easy and I got my EON Card within the week. According to the teller, the waiting time for the Unionbank EON Card depends on the number of people applying for Uninonbank EON Card. It is good that only few people are applying for Unionbank EON Card that's why I got my card after three days.

Now, I am ready to verify my Paypal account and buy that book.

  1. Marian December 11, 2011 at 5:46 PM  

    hi.just wanna ask., bascally I have a plan in getting an EON card. what if I don't have an SSS number and TIN number? for I am just a student.. hope to hear from you soon.. tnx :)

  2. Ishmael Fischer Ahab December 12, 2011 at 9:05 AM  

    Hello Marian.

    I guess that not having being an SSS member is not a problem. They just use it as a way to verify your identity. If you don't have an SSS or GSIS account, then you can just use any government-issued ID when you are applying for an EON card.

    I am not sure with TIN. The government collects taxes from what we earn from bank accounts. This is the reason why bank asks for our TIN. I suggest that you inquire at Unionbank regarding this issue.

    Hope that helped you. Have a blessed day.

  3. Ainna Fathi March 12, 2012 at 11:55 PM  

    Just wanted to share a letter that I sent to UnionBank Execs ---


    I am not a customer just yet. I wanted to be your customer as I have read very good reviews about UnionBank.

    Unfortunately, the service I have received earlier this afternoon is not only unacceptable, it IS my WORST experience in Philippine Banking Customer Service. Because of this, I chose not to transact with you anymore and chose to NOT RECOMMEND you to any of my fellow freelancers.

    I am a freelance outsource worker from oDesk. I am paid weekly through remittances from a company in the US and am considering to use UnionBank EON to accept my weekly salary. I submitted my application and thoroughly read your EON card policies and requirements. I was told to claim my card in the branch I chose. I picked UnionBank Richville, Alabang Branch as I am familiar with its location.

    I was directed to be helped by CECIL R. MARCELO. I was greeted with an unfriendly face and a snobbish demeanor. Anyway, I presented 2 valid government issued IDs (requirements to claim the card per your directions online) and I filled out a form. When CECIL saw my permanent address in the application form- that is different from my address in my IDs, she rejected my application with an unfriendly tone after numerous questions about my work and why I needed the EON card.

    I felt as if I am not qualified to use your bank's services because I am a freelance worker. What made it worse is, during the whole "transaction" she did not even smile.

    To tell you honestly, I didn't expect that a reputable bank will be provide such poor customer service.

    1. It did not necessarily specify on the site that you needed IDs that bear my permanent residence address/ address that will be placed in the application form2. It did not say on the site that applying for an EON card will also include an interview with a teller/customer service rep.

    I could have taken things lightly if only I was greeted and informed by a friendly face and tone.

    People I know will be informed of this unsatisfactory service that you provide.

  4. gideon March 15, 2012 at 2:59 AM  

    Hi there,
    just want to ask what if I don't have a company id? all I have is sss number ,tin number a philhealth card. Will this suffice for application?

  5. Ishmael Fischer Ahab March 15, 2012 at 11:52 PM  


    I believe that not having a company ID is not a big issue becase EON Card is just like any bank account. I suggest that you provide them with two government-issued IDs.

    Also, please contact Unionbank and ask them about it.

  6. joseph March 29, 2012 at 3:26 AM  

    May I know the total number of days it took for you to complete the process (from EON card application to verifying your paypal accounts)?i'm having challenges verifying my paypal account..thanks

  7. Ishmael Fischer Ahab March 29, 2012 at 8:42 AM  

    Hi Joseph

    The processing time for my EON card application is three days from the day I submitted my application form and complete requirements to Unionbank.

    When I linked my Paypal account to my EON account, I waited about 24 hours up to 48 hours. I can't recall the total processing time of account linking but I think that I didn't went beyond two days.

    So, the total processing time is about 5 days.

    What are the difficulties that you are encountering in verifying your Paypal account?

  8. joseph March 29, 2012 at 4:15 PM  

    Cannot verify my rcbc mywallet on Paypal. they disabled entry from it and it can take 7-10 business days for them to enable it again (too long!). Looking for something that can get me through this verification at the soonest time.

  9. Ishmael Fischer Ahab March 30, 2012 at 8:40 AM  


    Then I suggest that you try Unionbank EON card.

    Hope your problem gets solved the soonest time.

    God bless.

  10. burn May 15, 2012 at 3:22 AM  

    thanks for the info. It is well written and easy to follow.

  11. Ishmael Fischer Ahab May 15, 2012 at 8:31 AM  

    You are welcome Burn. Thank you for visiting my blog.

  12. daisyrie June 4, 2012 at 9:03 PM  

    Hi, i just wanna ask if in applying for UnionBank EON card, is there any balance requirement in opening the account? except for the P350 fee that you have paid.
    ps. i really need your reply. Thank You!

  13. Ishmael Fischer Ahab June 5, 2012 at 9:38 AM  

    Hello Daisyrie.

    The 350 pesos fee is the annual fee for maintaining your EON account. It has no maintaining balance thus it is OK even if your account has zero peso.

    Be reminded, though, that you need to pay 350 pesos yearly so as to keep your EON account "alive".

  14. Lhen June 16, 2012 at 12:29 PM  

    Good afternoon po,i just want to ask how much po ang babayaran pag open ng account sa EON CARD? Need ko po kasi para maverify ung account ko sa paypal.Thanks po

  15. Ishmael Fischer Ahab June 16, 2012 at 2:02 PM  

    Hello Lhen

    350 Pesos lang ang kailangan mong ilabas na pera para makapag-open ka ng EON account sa Unionbank.

  16. Anonymous June 17, 2012 at 11:57 PM  


    I applied for eon card last wednesday, and i am planning to cancel the application. Is it possible? Would they require me to pay the 350 application fee? Thanks!

  17. Ishmael Fischer Ahab June 18, 2012 at 11:36 AM  

    Dear Anonymous

    Yes. You can cancel your application. You can call the UnionBank branch where you sent your application and tell them you want to cancel everything.

    You don't need to pay 350 pesos because you cancelled your EON account application.

  18. jenny September 10, 2012 at 9:25 PM  

    im jenny i dont have any id
    i plan to get eon card.
    what are the requirements beside from id?

  19. Ishmael Fischer Ahab September 11, 2012 at 1:47 PM  

    Hi Jenny,

    ID is a requirement. I am not sure if Unionbank will allow you to obtain EON card if you don't have any ID.

    I suggest that you go to a Unionbank branch and ask if they will allow you to apply even if you don't have ID.

    Please read my blog post again to see the other requirements for EON Card.

  20. Anonymous October 14, 2012 at 12:15 PM  

    hi, i just want 2 have an eon card. I dont have any bank account. I have only TIN ID and philhealth id. I have sss number but no card yet. No company id too. Can i get one? coz i need it for business purposes. Tnx reply asap.

  21. Ishmael Fischer Ahab October 14, 2012 at 5:51 PM  


    Don't have other ID's that contains your photo? I believe that Unionbank needs ID with photo so as to connect your face with your name.

  22. Anonymous October 19, 2012 at 2:24 PM  

    I just wanna ask if i still need a proof of billing document coz it is stated in the requirements in their site. Did they ask you for that also? thanks..,JEROME

  23. Anonymous October 19, 2012 at 2:32 PM  

    one of the requirements in their site is proof of billing,,Did they ask you for that? Because i dont have one..

  24. Ishmael Fischer Ahab October 21, 2012 at 10:01 PM  

    Hello Jerome

    The Unionbank staff didn't ask me for the proof of billing. I think that they need this document so as to verify your address. I suggest that you bring other document that contains your address if you don't have any proof of billing.

  25. ChrisJun December 27, 2012 at 11:23 AM  

    sir ask ko lng po kung pwede ung student id?

    ung lng po kc ung valid id na meron ako?

    need ko lng po tlg malaman para mag karoon ako ng oen card .. thanks

  26. Ishmael Fischer Ahab December 28, 2012 at 8:07 AM  


    Government issued IDs are preferred pero kung 'yan lang ang ID na meron ka eh posible na tanggapin na din. Go to a nearest Unionbank branch and ask for info.

  27. Anonymous February 18, 2013 at 9:08 AM  

    Good day! i want to open an eon too but i am not YET working, just a student. would that be a problem? Should I bring my mom/dad when I apply? lol Thanks!

  28. Ishmael Fischer Ahab February 18, 2013 at 10:46 AM  


    No need for you to bring your Mom and Dad. The only problem that you will encounter, I think is your TIN. Do you already have a TIN?

  29. renz February 27, 2013 at 8:35 PM  

    as a student, what are the requirements for applying EON..i dont have any TIN or SSS but i have a driver's license id..

  30. Anonymous March 1, 2013 at 6:17 PM  

    i am only a student but i want to apply for a EON card and i have only 1 valid ID..will that suffice the requirement??

  31. Ishmael Fischer Ahab March 1, 2013 at 10:29 PM  


    I visited the UnionBank website at wala na sa requirements ang TIN at SSS.

    Ok na yang Driverse License mo.


    Yes. You 1 valid ID will suffice.

  32. Anonymous March 15, 2013 at 7:14 PM  


    I noticed na kahit student ang ifill out mo nagtatanong parin ng nature of employment at employment details.

    Bakit and how should I go with that?

  33. Ishmael Fischer Ahab March 15, 2013 at 10:58 PM  


    Lagay mo na lang sa "Nature of Work/Business" ay student. Ok na iyan. Basta lang magkaroon ng laman yung field.

  34. Anonymous June 21, 2013 at 3:38 PM  

    disable po ako but i want aply eon card i work online so i need it.. avail it though i dont have any id's??

  35. Ishmael Fischer Ahab June 24, 2013 at 7:11 PM  


    You need to have valid IDs when applying for EON account. Unionbank will reject you application if you don't have any valid ID.

  36. Anonymous July 7, 2013 at 6:18 PM  

    just want to know if anybody here experienced problems in withdrawing their funds from eon card.i transferred funds from paypal and it's already completed.paypal sent me email saying i will receive the money on july 3(wed) and i went to a unionbank atm near us on july 5(fri) and the money is already there. i tried to withdraw then and my transaction was voided. i wasn't able to get my money so i tried to use it on mercury drug but when they swipe my card it is declined...

  37. Ishmael Fischer Ahab July 14, 2013 at 12:15 PM  


    I didn't experience the problem that you experienced. The best way that you can do is to go to a Unionbank Ph branch and ask them to fix your problem.

  38. Anonymous July 20, 2013 at 8:54 AM  

    Hi, I want to apply for EON card, but i don't have SSS/TIN/UMID number, and I'm not a student anymore, I just graduated and currently working online jobs, I need to withdraw my funds in paypal.. so what should i put in the application form?

  39. Ishmael Fischer Ahab July 21, 2013 at 10:08 PM  


    Just tell the Unionbank staff that you don't have the TIN yet. They might allow you to have an EON account even if you don't have TIN.

  40. Michael Jose July 22, 2013 at 5:04 PM  

    I applied earlier and chose the employed status, when I went to union bank mandaluyong branch earlier I was advised to present my company ID and barangay clearance. I can provide a baranggay clearance but I can't provide a company ID since I already resinged. The ID's I preseted are my philhealth ID and passport. so the big question is, how am I supposed to get my eon card?

  41. Michael Jose July 22, 2013 at 5:12 PM  

    So I applied for an EON card earlier today, received a text message with the reference number and an email confirmation. after that I went directly to union bank shangrila-st.francis, the teller there told me to present a company ID and a baranggay clearance as a proof of residency in pasig. I presented my passport and philhealth ID.The bad thing is I dont have a company ID to present since I already resigned. So, how am I supposed to go with this?

  42. Ishmael Fischer Ahab July 25, 2013 at 4:31 PM  


    What you can do is tell the UnionBank staff that you just resigned from so you cannot submit any company ID.

  43. Sarah February 17, 2014 at 3:19 PM  

    Hi, can i edit my application form? Kase i put there wrong address or should i cancel nalang and apply again. Thanks..

  44. Meow Chris March 21, 2014 at 1:29 PM  

    I had read on union bank website that valid id.s are are required including your proof of billing. But I do not have any proof of billing to show them. Can I still have eon card?

  45. Ishmael Fischer Ahab March 26, 2014 at 5:16 PM  


    Proof of billing is just used to proof of your home address. Maybe you can ask UnionBank about other documents that can replace the proof of billing.

  46. Anonymous September 3, 2014 at 11:31 PM  

    Hi ms's been a year now na di ko nagamit yung eon card ko at wala na sya laman. i'm planning to close the account na. i'm wondering if they gonna charge me for the penalty fee of 200 pesos since no transaction for a year now (bale ika 13th month na this month na walang transaction). sisingil pa din ba ako ng penalty fee kahit ipaclose ko na sya? pwede lang ba tumawag sa unionbank para paclose yung account? i'll appreciate your response po. thank you.

  47. Ishmael Fischer Ahab September 4, 2014 at 11:43 AM  

    Charm Princess

    Hindi ko po alam kung anong penalty kapag matagal nang hindi ginagamit yung EON account.

    Ang hula ko ay parang katulad din yan ng ibang ATM account. Kapag matagal nang walang laman ay nagko-close account. Isa pa ay kapag nag-expire na yung EON card ay posibleng mag-close na din yung account.

    I suggest na tawagan mo muna yung UnionBank. Tanungin mo sila tungkol sa concern mo. Huwag kang magbigay ng identifying data kapag tumawag ka.

  48. Anonymous June 1, 2015 at 8:34 AM  

    hello can i avail eon card even if iam still a student but i have an valid i.d to represent only proof of billing that i dont have can i still open an account?

  49. Ishmael Fischer Ahab June 9, 2015 at 5:42 PM  


    I think you can still apply for an EON card. Regarding to the proof of billing, maybe you can ask UninonBank if they allow other documents to prove your residence. Proof of billing is just use as proof of your residence.

  50. Anonymous July 10, 2015 at 3:13 PM  

    I'm a student and I went to unionbank and tried to ask to open an account for eon to verify my paypal and also I completed my requirements but the staff ask me a lot of question for what of purpose and what will I do in paypal and transaction. What will I say?

  51. Ishmael Fischer Ahab July 16, 2015 at 2:04 PM  


    Just say that you need a Paypal Account because you need to purchase via the Internet.