EXHIBIT 23.1




INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in the Registration Statements Nos.
33-3-3040, 333-67581, 333-67581-01,  333-67581-02,  333-67581-03,  333-67581-04,
333-72979 and 333-67579 on Form S-3 and Registration  Statements Nos. 33-3-3042,
33-3-3044,  333-27987,  333-95497  and  333-103009  on Form  S-8 of  UnionBanCal
Corporation  of our report  dated  January 15, 2003 (which  report  expresses an
unqualified  opinion and  includes an  explanatory  paragraph  referring  to the
change in the Company's method of accounting for previously  recognized goodwill
and  intangible  assets),  appearing  in this  Annual  Report on Form  10-K/A of
UnionBanCal Corporation for the year ended December 31, 2002.


/s/ DELOITTE & TOUCHE LLP
    Deliotte & Touche LLP

San Francisco, California
July 9, 2003