Frequently Asked Questions

ATM and Bank Transactions

Are there charges for doing balance inquiries?

There is a Php 1.00 charge for doing balance inquiries via ATM (either UnionBank or non-UnionBank ATMs). There is no charge for checking your balance via the SALPay app.

How can I withdraw money with my new card?

You can withdraw cash for FREE at any UnionBank ATM. Alternatively, you may also withdraw from any ATM that accepts VISA cards. Do note, however, that charges may apply to withdrawals made from non-UnionBank ATMs.

How much can I withdraw from an ATM in a single transaction?

The withdrawal limit for UnionBank ATMs is Php 20,000. For non-Unionbank transactions, it will depend on the ATM you use but typically ranges from Php 10,000 to Php 20,000.

How much is the charge if I withdraw from non-UnionBank ATMs?

P20.00 per withdrawal.

Can I use my SALPay card to withdraw outside the Philippines?

Yes! You can use your SALPay card to transact using any ATM that accepts Visa.

How do I change my pin?

Unfortunately, once you have set your ATM pin in the app on activation, that will be the only time you can set the pin from the mobile app or ESS. To change your ATM pin, you will have to visit the nearest UnionBank ATM and change your pin from there.

My card was captured by an ATM. What will I do?

In case of card capture, please contact the bank that owns the ATM you used to withdraw and ask them for assistance on how to retrieve your card.

If you need to get a card replacement urgently, please call us at +63 (02) 299-3128 or send us an email at

The ATM won’t dispense any cash. What actions should I take?

If an ATM fails to dispense any cash from your SALPay account, immediately report the incident to us by calling +63 (02) 299-3128.

Take note of the amount that you tried to withdraw, the ATM’s location, and the date and time of the incident. You can also provide a screenshot of your transaction history as shown in the SALPay app or in your Salarium e-wallet.

Can I top-up or add more funds to my SALPay account?

Yes, you can but only through over-the-counter (OTC) transactions at UnionBank branches.

How can I top-up or add more funds to my SALPay account?

  • Go to any UnionBank branch.

  • Fill out a Bills Payment form with the guidelines below and indicate the top-up amount.

      REFERENCE NUMBER: YOUR 16-DIGIT SALPAY CARD NUMBER (e.g. 1234 5678 9101 1121)

Is there a fee for OTC deposits? How much is the fee?

There is a PHP 10 fee for all OTC deposits to your account.

Why is there a fee for OTC deposits?

SALPay’s top-up service is similar to the remittance services of ML Padala, Western Union, Palawan Express, etc. This means that anyone, not only you, can deposit cash into your account from any UnionBank branch. Unlike other remittance services that charge based on the amount to be transferred, SALPay provides a similar service at a fixed rate of only PHP 10, regardless of the amount.

How much does SALPay charge for ATM transactions?

SALPay Card Services

Service Fee

ATM Balance Inquiry (Union Bank ATMs)

Php 1.00

ATM Balance Inquiry (Other Local Banks / Bancnet)

Php 1.00

ATM Balance Inquiry (International Banks / VISA Network)

USD 1.00

ATM Cash Withdrawal (UnionBank ATMs)


ATM Cash Withdrawal (Other Local Banks / Bancnet)

Php 20.00

ATM Cash Withdrawal (International Banks / VISA Network)

USD 3.00

New Card / Replacement Card Default Design

Php 500.00

New Card / Replacement Card Custom Design

Php 1000.00

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