Exhibit 23.1


                      [Letterhead of Deloitte & Touche LLP]



INDEPENDENT AUDITORS' CONSENT




We consent to the  incorporation by reference in this  Post-Effective  Amendment
No.1 to Registration  Statement No. 333-3042 of UnionBanCal  Corporation on Form
S-8 of our report dated January 15, 2003 (which report  expresses an unqualified
opinion and includes an explanatory paragraph referring to a change in method of
accounting  for previously  recognized  goodwill and other  intangible  assets),
appearing in the Annual Report on Form 10-K/A of UnionBanCal Corporation for the
year ended December 31, 2002.



/S/ DELOITTE & TOUCHE LLP

San Francisco, California
October 23, 2003