Asia United Bank (AUB)


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Asia United Bank
Enjoy banking on-the-go!

Asia United Bank Corporation (AUB) is one of the few banks to have received a full commercial bank license in 1997 and still operate today. In 2013, AUB joined the League of Filipino Banks, which received a public listing and universal banking status.

1. Age

Age from

2. Time to review

From application to receipt of money

3. Other conditions

Product Overview

Product Name:AUB Salary Loan
Minimum Amount of Loan:PHP 30 000
Maximum Amount of Loan:PHP 250 000
Minimum Loan Tenure:6
Maximum Loan Tenure:36
Early Repayment:Yes
Payment Options:Via salary deduction
Debt consolidation:None

Eligibility and Requirements

Age Range of Borrower:21-60
Minimum Annual Income:Php 120,000
Income Requirement Remarks:Minimum basic salary of Php10,000 per month
Employment / Work Status:Regular employees with at least one(1) year work tenure
Borrower has to have Credit Card:No
Guarantor Required:No
Collateral Required:No
Other Requirements:Extended to qualified employees of accredited companies
Need to Open Linked Bank Account:No

Application and Approval

Application Channel:The only payment mode is Salary Deduction
Approval Duration:1 day

Fees and Charges/Penalties

Loan Processing and Dispersal Fees:No
Early Repayment Penalty:You will be charged with Prepayment Penalty should you settle your loan ahead of the loan maturity date. This will be computed based on the taxes, applicable interest, and costs incurred by the bank
Late Payment Penalty:The Late Monthly Payment Charge is 5% of every installment you missed or a portion of remaining balance on each due date.

Interest Rates Offered

Product Name:Interest RateEffective Interest RateInterest Type
AUB Salary Loan - 6-36 months0.00%Monthly Rate


Asia United Bank (AUB) – one of the major players in the banking market of the Philippines. This institution is recognized as a universal bank. Its clients are large state enterprises, private organizations and individuals.


Asia United Bank is one of the few Philippine banks that has a full commercial license. It was issued in 1997 and is valid to this day. Since 2013, AUB has been a member of the League of Philippine Banks. This organization unites banks that have received the status of universal. The head office of the bank is located at: 17 ADB Avenue, Ortigas Center, Pasig City, Philippines.

In 2013, Asia United Bank has the right to carry out the following operations:

  • engage in investment activities;
  • implement underwriting and securities trading;
  • provide syndicated loans;
  • conduct private placement of debt and equity securities;
  • provide financial consultations.

In its work the bank adheres to the following principles: timely fulfillment of obligations to customers; integrity, superiority, leadership and interaction.

The mission of AUB is to create comfortable working conditions for its employees, provide quality service to each client and timely return the funds of the bank’s shareholders.

The total assets of the bank are more than 200 billion pesos. Net income increased by 23% and reached 2.8 billion pesos. The bank was able to improve its financial results due to the growth of its loan portfolio and the amount of attracted deposits.

Its subsidiaries are: Redimoney Express Pte Ltd, Rural Bank of Angeles, Inc., Cavite United Rural Bank.

Together with its divisions, AUB provides a full range of banking and financial services to the population, small and medium businesses, and large corporations.

The company is represented in such segments as commercial banking, consumer lending, treasury operations.

Bank depositors can place their funds on current, savings, temporary and other accounts in national currency. Borrowers of a financial institution can draw up a loan to buy a car, housing, get cash for current expenses, take commercial loans for business development. Individuals are accessed by credit cards. Bank also opens retirement accounts.

AUB offers trust management services of money funds, various investment products, carries out transfers within the country and abroad. In the bank you can exchange currency at a favorable rate.

The main part of the planned operations customers can perform independently through the online banking system. It is enough to have the necessary balance on the card or current account to make a payment at any time of the day. The financial institution pays great attention to safety, so the risk of fraudulent transactions is completely excluded.

The institution invests large amounts in advanced technologies. Thus, AUB has implemented a convenient Bangko Sentral ng Pilipinas transfer service in its mobile application Instapay. The application for credit cards is also available to users. They can get the necessary information on the account at any time, perform operations.

The owners of the AUB

The owner of AUB is Jacinto Ng. As of the end of 2018, he is among the top 50 richest businessmen in the Philippines. He began his entrepreneurial activities in 1963. Thanks to his talent, he was able to make a small bank a successful and stable company. For 20 years he held the position of chairman of the board of the bank. But in 2017 he resigned. His post is now occupied by Abraham T. Co.

Main branches and ATMs of the AUB

In 2018, the branch network of the bank included 264 branches and 6 microbank offices. They are located in the largest cities of the country. Customers can perform basic banking operations in terminals and ATMs. This will allow them to significantly save their personal time. If necessary, you can contact the financial institution’s hotline and get expert advice and prompt answers.

Every year the bank plans to open up to 12 branches. The management will do their utmost to make them all profitable.


  • Address: Joy~Nostalg Center, No. 17 ADB Avenue, Ortigas Center, Pasig City, Philippines
  • Phone: (02) 8631-3333 / (02) 8638-6888
  • Email: [email protected]


In the event of termination or separation from employment for any reason whatsoever, the entire outstanding loan amount shall become immediately due and demandable,
and employee hereby authorize the employer in such event to retain, withhold and remit directly to AUB, all monies remaining due to he, including termination, separation or gratuity
pay, or any other benefit or compensation.

If you want to apply for AUB Salary Loan, you will need to be a regular employee who has been in your current company for a year. The minimum basic salary is at least P10,000 a month. This I quite low compared to most personal loans offered by banks.

Your monthly amortization must not exceed 25% of your net income to ensure that you can handle your finances despite the monthly repayments.

Interest rates on AUB salary loans are subject to approval by the bank. This can also depend on your credit history, the amount of your loan and the length of your loan. It also affects your salary.

AUB offers personalized credit services to seafarers aged at least 21 years, but not older than 60 years with a minimum gross salary of 1000 USD. You must have signed at least one (1) employment contract before applying for a loan. A prerequisite is to open an AUB account. You can borrow up to Php500,000.00.

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