If you're an SSS member who wants to receive your loan faster and more conveniently, applying for a UBP Quick Card is a smart choice. This special prepaid card is a partnership between the Social Security System (SSS) and UnionBank of the Philippines, designed to make SSS loan disbursement easier and quicker, especially for members who don’t have a traditional bank account.
In this article, we’ll walk you through everything you need to know about the UBP Quick Card — from what it is, why it matters, and most importantly, how to apply for one at an SSS branch. This guide is written in simple, easy-to-understand language with a real human tone. Our goal is to help every SSS member confidently get their card and receive their benefits with ease.
The UBP Quick Card is a prepaid Visa debit card issued by UnionBank specifically for SSS members. It allows members to receive their SSS loan proceeds, such as salary loans or calamity loans, directly into the card.
Unlike traditional bank accounts, the UBP Quick Card doesn’t require maintaining a balance. Once you get your loan approved, the amount will be deposited into your card, which can be used to:
It is especially helpful for SSS members who don’t have a bank account or want a faster, more direct way to access their loans.
Here are the main advantages of getting a UBP Quick Card:
Free – No cost when issued at designated SSS branches
Fast disbursement – Get your loan in just a few days
No need for a bank account
Secure and easy to use
No maintaining balance required
Works anywhere that accepts Visa
Now let’s move on to the most important part — how to apply for a UBP Quick Card at an SSS branch.
Follow these simple steps to get your UBP Quick Card quickly and hassle-free.
Not all SSS branches offer the UBP Quick Card service. Only selected branches have UnionBank representatives or kiosks available.
Here are some popular SSS branches that offer this service:
Before visiting, check the branch schedule or call to confirm if UnionBank will be available on that day.
To apply for your UBP Quick Card, you need to bring the following:
Make sure all your documents are valid and up to date.
Go to the SSS branch on the day UnionBank representatives are present. Look for the UnionBank desk or kiosk. You may need to queue, so it’s best to come early.
Once you're there:
In many cases, the UBP Quick Card is issued on the same day. Once you receive your card:
Now that you have your card, the next step is to link it to your SSS account so you can receive loan disbursements.
Here’s how:
Once approved, your SSS loan will be credited to your UBP Quick Card in 1–3 working days.
Once your loan is credited, here’s how you can use your card:
Withdraw cash from any UnionBank ATM (free) or other ATMs (may have a small fee)
Shop online by using the card details like a regular Visa debit card
Pay bills via UnionBank app or mobile services
Monitor your balance using the UnionBank mobile app
Make sure to keep your card active by using it at least once every 6 months.
Arrive early at the SSS branch to avoid long lines
Check the schedule for UnionBank representatives
Never share your PIN or personal information
Take a photo of your card in case it gets lost
Contact UnionBank support if your card is lost or stolen
Q: Is the UBP Quick Card a regular bank account?
A: No, it is a prepaid debit card, not a full savings account. You can only spend what is loaded onto it.
Q: Can I use the card for online purchases?
A: Yes. The card is Visa-powered, so it works for online payments and apps that accept Visa debit cards.
Q: Is there a fee for the card?
A: No. If you get the card at participating SSS branches, it is completely free.
Q: What if I lose my card?
A: Call UnionBank customer service immediately to block it and request a replacement.
Q: Can I use the card for other deposits?
A: Some cards allow additional loads, but primarily it’s meant for receiving SSS disbursements.
The UBP Quick Card is best for:
Problem: You visited a branch but UnionBank wasn’t there.
Solution: Ask the SSS front desk for the next UnionBank visit schedule.
Problem: Your card isn't receiving your loan.
Solution: Check if you enrolled your card correctly in the DAEM of your My.SSS account.
Problem: Your application was rejected.
Solution: Make sure your documents are valid and match your SSS records.
The UBP Quick Card is a fast, convenient, and free way to receive your SSS loan without the hassle of bank accounts or checks. With just one visit to a participating SSS branch and a few simple steps, you can walk away with a Visa-powered card ready to accept your loan funds.
It’s perfect for members who want quick access, cashless transactions, and less paperwork. As of 2025, more SSS branches continue to offer this service, and more members are switching to it.
So, if you’re planning to apply for a salary loan, calamity loan, or other SSS benefit soon, make sure to ask about the UBP Quick Card at your nearest branch. It might just be the easiest financial tool you’ll ever use.
In this article, we’ll walk you through everything you need to know about the UBP Quick Card — from what it is, why it matters, and most importantly, how to apply for one at an SSS branch. This guide is written in simple, easy-to-understand language with a real human tone. Our goal is to help every SSS member confidently get their card and receive their benefits with ease.
What Is a UBP Quick Card?
The UBP Quick Card is a prepaid Visa debit card issued by UnionBank specifically for SSS members. It allows members to receive their SSS loan proceeds, such as salary loans or calamity loans, directly into the card.
Unlike traditional bank accounts, the UBP Quick Card doesn’t require maintaining a balance. Once you get your loan approved, the amount will be deposited into your card, which can be used to:
- Withdraw from ATMs
- Make online purchases
- Pay bills
- Shop at physical stores using POS terminals
It is especially helpful for SSS members who don’t have a bank account or want a faster, more direct way to access their loans.
Benefits of Using a UBP Quick Card
Here are the main advantages of getting a UBP Quick Card:
Free – No cost when issued at designated SSS branches Fast disbursement – Get your loan in just a few days No need for a bank account Secure and easy to use No maintaining balance required Works anywhere that accepts VisaNow let’s move on to the most important part — how to apply for a UBP Quick Card at an SSS branch.
Step-by-Step Guide to Applying for a UBP Quick Card at an SSS Branch
Follow these simple steps to get your UBP Quick Card quickly and hassle-free.
Step 1: Check If Your Nearby SSS Branch Offers UBP Quick Card Services
Not all SSS branches offer the UBP Quick Card service. Only selected branches have UnionBank representatives or kiosks available.
Here are some popular SSS branches that offer this service:
- SSS Diliman
- SSS Pasig-Shaw
- SSS Makati-Gil Puyat
- SSS Caloocan
- SSS Davao City
- SSS Cebu
- SSS Bacolod
- SSS Cagayan de Oro
Before visiting, check the branch schedule or call to confirm if UnionBank will be available on that day.
Step 2: Prepare the Required Documents
To apply for your UBP Quick Card, you need to bring the following:
- Valid government-issued ID (e.g., UMID, passport, driver’s license, PhilSys ID)
- Your SSS number
- Active mobile number (for OTP and SMS alerts)
- Any other forms provided by UnionBank (these are usually available at the branch)
Make sure all your documents are valid and up to date.
Step 3: Visit the SSS Branch with UnionBank Presence
Go to the SSS branch on the day UnionBank representatives are present. Look for the UnionBank desk or kiosk. You may need to queue, so it’s best to come early.
Once you're there:
- Tell the UnionBank representative that you want to apply for a UBP Quick Card
- Present your ID and fill out the required application forms
- They will encode your details and prepare the card for you
Step 4: Receive and Activate Your UBP Quick Card
In many cases, the UBP Quick Card is issued on the same day. Once you receive your card:
- The representative will guide you on how to activate it using an ATM or UnionBank mobile app
- You’ll be given a PIN for ATM withdrawals and transactions
- Make sure to secure your card and PIN right away
Step 5: Link Your UBP Quick Card to Your SSS Disbursement Account
Now that you have your card, the next step is to link it to your SSS account so you can receive loan disbursements.
Here’s how:
- Log in to your My.SSS account
- Go to the Disbursement Account Enrollment Module (DAEM)
- Click Enroll Disbursement Account
- Choose UnionBank of the Philippines as your bank
- Enter your card details (e.g., account number, card number)
- Upload a photo of your card and valid ID
- Submit the form and wait for SSS approval
Once approved, your SSS loan will be credited to your UBP Quick Card in 1–3 working days.
How to Use the UBP Quick Card
Once your loan is credited, here’s how you can use your card:
Withdraw cash from any UnionBank ATM (free) or other ATMs (may have a small fee)
Shop online by using the card details like a regular Visa debit card
Pay bills via UnionBank app or mobile services
Monitor your balance using the UnionBank mobile app
Make sure to keep your card active by using it at least once every 6 months.
Tips for a Smooth UBP Quick Card Application
Arrive early at the SSS branch to avoid long lines
Check the schedule for UnionBank representatives
Never share your PIN or personal information
Take a photo of your card in case it gets lost
Contact UnionBank support if your card is lost or stolen
Frequently Asked Questions (FAQs)
Q: Is the UBP Quick Card a regular bank account?
A: No, it is a prepaid debit card, not a full savings account. You can only spend what is loaded onto it.
Q: Can I use the card for online purchases?
A: Yes. The card is Visa-powered, so it works for online payments and apps that accept Visa debit cards.
Q: Is there a fee for the card?
A: No. If you get the card at participating SSS branches, it is completely free.
Q: What if I lose my card?
A: Call UnionBank customer service immediately to block it and request a replacement.
Q: Can I use the card for other deposits?
A: Some cards allow additional loads, but primarily it’s meant for receiving SSS disbursements.
Who Should Get a UBP Quick Card?
The UBP Quick Card is best for:
- SSS members without bank accounts
- Freelancers or self-employed individuals
- OFWs returning to the Philippines
- New loan applicants looking for fast disbursement
- Anyone who wants a prepaid option instead of a full bank account
Common Issues and How to Fix Them
Problem: You visited a branch but UnionBank wasn’t there.
Solution: Ask the SSS front desk for the next UnionBank visit schedule.
Problem: Your card isn't receiving your loan.
Solution: Check if you enrolled your card correctly in the DAEM of your My.SSS account.
Problem: Your application was rejected.
Solution: Make sure your documents are valid and match your SSS records.
Final Thoughts
The UBP Quick Card is a fast, convenient, and free way to receive your SSS loan without the hassle of bank accounts or checks. With just one visit to a participating SSS branch and a few simple steps, you can walk away with a Visa-powered card ready to accept your loan funds.
It’s perfect for members who want quick access, cashless transactions, and less paperwork. As of 2025, more SSS branches continue to offer this service, and more members are switching to it.
So, if you’re planning to apply for a salary loan, calamity loan, or other SSS benefit soon, make sure to ask about the UBP Quick Card at your nearest branch. It might just be the easiest financial tool you’ll ever use.