The SSS UMID ATM/Disbursement Card is a multi-purpose identification card that simplifies access to Social Security System (SSS) benefits and loans. Serving as both an ID and a disbursement tool, it allows qualified members and pensioners to receive benefits directly to their accounts. Understanding how to apply for this card ensures seamless transactions with the SSS.
In this guide, we provided everything you need to know about the UMID ATM/Disbursement Card and UMID Pay Card—from detailed instructions on the application process, to the required documents, and what to expect during each step. Whether you’re a first-time applicant or need to upgrade your existing standard UMID card, this guide has all the information you need.
SSS UMID ATM/Disbursement Card vs. UMID Pay Card
The Unified Multi-Purpose ID (UMID) ATM/Disbursement Card is primarily issued to eligible SSS members and pensioners to serve as both a government ID and a bank ATM card for receiving SSS benefits, loans, and pensions. It is linked to a partner bank’s ATM system for disbursements but does not offer additional banking features. On the other hand, the UMID Pay Card is an upgraded version, providing both the functionalities of the UMID ATM card and added banking services through UnionBank. With the UMID Pay Card, users can perform online banking, pay bills, deposit checks, and access other digital financial services via the UnionBank mobile app. Essentially, the Pay Card expands the usability of the traditional UMID ATM card into a full-fledged savings account with modern banking capabilities.
Features and Benefits
The UMID ATM/Disbursement Card and UMID Pay Card offer features that simplify accessing SSS benefits, loans, and pensions while providing additional banking services. These cards ensure seamless transactions, with the Pay Card offering enhanced digital banking options for more convenience.
UMID ATM
- Dual Functionality: Acts as both an SSS ID and an ATM card for benefits disbursement.
- Bank Integration: Linked to specific SSS-accredited bank branches, where members must claim their card.
- Basic Transactions: Allows cash withdrawals and limited account activities.
- Eligibility: Available to qualified SSS members and pensioners with at least one posted contribution.
UMID Pay Card
Upgrading to the UMID Pay Card provides additional features compared to the standard UMID ATM/Disbursement Card:
- Enhanced Banking Features: Works as a Visa debit card, enabling full banking features and global and local transactions.
- Use your card at millions of Visa-affiliated establishments worldwide.
- Enjoy cashless payments for online and retail purchases.
- Online Banking: Can be managed through the UnionBank mobile app for balance checks, fund transfers, and bill payments.
- Maximum daily withdrawal: ₱50,000
- No initial deposit or minimum balance required.
- Convenience: Eliminates the need for a separate bank account for SSS benefits.
- Receive SSS benefits directly to your savings account.
- Send money, pay bills, and deposit checks via the UnionBank mobile app.
- Access over 20,000 cash-in partners nationwide.
- Fast Application Process: Applications can be processed online through the My.SSS portal.
- Delivery Service: The card is delivered directly to your address.
- Global Access: Accepted worldwide through Visa
Target Beneficiaries
The SSS UMID ATM/Disbursement Card and UMID Pay Card are designed to cater to the following SSS members and pensioners. These cards streamline access to benefits, loans, and banking services, ensuring convenience for a variety of users.
- SSS Members: Active members with at least one posted contribution and a Date of Coverage.
- SSS Pensioners: Retirees receiving pensions who do not yet have an SSS ID or UMID Card.
- Members Without an SSS ID or UMID Card: Qualified individuals who have not previously received these cards.
- Members Applying for Loans: Individuals seeking faster loan disbursement through their SSS account.
- Pensioners Transitioning to Digital Banking: Retirees who prefer managing their benefits digitally via the UMID Pay Card.
- Members Requiring Enhanced Banking Services: Individuals upgrading to the Pay Card for added features such as online banking and bill payments.
Eligibility
The individuals listed above also need to satisfy the following eligibility criteria to be able to apply for the UMID ATM Card:
- SSS Members: Must have at least one posted contribution and a recorded Date of Coverage.
- SSS Pensioners: Those who receive pensions but have not been issued a UMID card.
To be able to upgrade to the UMID Pay Card, they also need to satisfy the following conditions:
- Must be an existing SSS member with an active My.SSS account.
- Should already possess a UMID Card for upgrading to the Pay Card.
- Personal information in the SSS record must be accurate and up to date.
- Must provide consent to share UMID application data with UnionBank through the My.SSS account.
- Should have access to the UnionBank mobile app for account registration and activation.
Documentary Requirements
To apply for the SSS UMID ATM/Disbursement Card or the UMID Pay Card, applicants need to prepare specific documents to complete the process. These requirements ensure proper identification and eligibility for the application.
For the UMID ATM/Disbursement Card
- Completed UMID Card Application Form (1 original) – Available at SSS branches or downloadable from www.sss.gov.ph.
- Valid ID Cards/Documents –
- Primary IDs: Government-issued ID with a photo, signature, and biometric data (e.g., Passport, Driver’s License, or Voter’s ID).
- Secondary IDs: Two ID cards with signatures, at least one with a photo, if no primary ID is available.
For the UMID Pay Card
- Existing UMID Card – Required for upgrade to the Pay Card.
- My.SSS Member Account – Create or log in at https://member.sss.gov.ph/members/.
- UnionBank Mobile App – Install the app to open the Pay Card account and provide required personal details matching the SSS record.
Application Process
Follow these steps to apply for your SSS UMID ATM/Disbursement Card:
Step 1. Obtain and Complete the Application Form
- Visit your nearest SSS branch or download the application form from the SSS website.
- Carefully read the instructions and fill out all required fields.
Step 2. Submit Your Application and Required Documents
- Bring your completed application form and valid IDs to the SSS branch.
- Wait for your queue number to be called.
- Submit your documents to the Member Services Section so the staff can verify your identity and validate the submitted documents.
- Once confirmed, the application for biometric data capture.
Step 3. Biometric Data Capture
- Proceed to the designated Data Capture area.
- Complete the following steps:
- Encoding of your application details.
- Scanning of your photo, fingerprints, and signature.
- Confirmation of encoded details on the screen.
- Once done, you will receive an Acknowledgment Stub as proof of successful application.
Step 4. Wait for Notification
- After processing, SSS will notify you via SMS or email when your UMID ATM/Disbursement Card is ready for pick-up.
- Cards are usually delivered to the bank’s designated branch within 19 business days.
Step 5. Claim Your UMID ATM/Disbursement Card
- Visit the specified bank branch to claim your card.
- Present a valid ID and the acknowledgment stub during pick-up.
Upgrading to the SSS UMID Pay Card
For members with an existing UMID card, SSS offers the option to upgrade to the UMID Pay Card in partnership with UnionBank. This card combines your UMID’s identification features with a UnionBank savings account, allowing for global transactions and online banking.
Step 1. Log in to My.SSS
- Access your account at https://member.sss.gov.ph.
- Update your personal information if necessary.
Step 2. Consent to Data Sharing
- Navigate to the E-Services menu.
- Provide consent to share your UMID application data with UnionBank.
Step 3. Download the UnionBank App
- Open the app and create a UMID ATM Pay Card Account.
- Provide the required information, including your SSS Transaction ID.
Step 4. Wait for Card Delivery
- Your card will be delivered within 15 business days for Metro Manila or 20 business days for provincial addresses.
Where to Secure the Application Form
The application form for the SSS UMID ATM/Disbursement Card can be secured through two channels. Members may visit any SSS branch to obtain the form in person. Alternatively, it can be done online from the official SSS website at www.sss.gov.ph for convenience.
Frequently Asked Questions
For your reference, here are some common questions and answers regarding the UMID ATM/Disbursement Cad and the UMID Pay Card:
1. How long does it take to get the UMID ATM/Disbursement Card?
The entire process, from application to card release, takes about 20 business days.
2. Can I use the UMID ATM/Disbursement Card for online banking?
The standard UMID ATM card has limited features. To access online banking, upgrade to the UMID Pay Card.
3. What if I lose my UMID card?
Report the loss immediately to the nearest SSS branch to request a replacement. Additional fees may apply.
Video: Upgrading to SSS UMID Pay Card
To learn more about upgrading to the SSS UMID Pay Card, watch this video from Unionbank of the Philippines today:
Summary
Both the SSS UMID ATM/Disbursement Card and the UMID Pay Card offer a convenient way for members and pensioners to access benefits and loans. By following the outlined steps and submitting the necessary requirements, you can complete your application smoothly. However, for members seeking advanced banking features, upgrading to the UMID Pay Card is highly recommended. With options for local and global transactions, this card provides flexibility and convenience for your financial needs. Visit https://www.sss.gov.ph and log into your My.SSS member account for more details or to start your application today!