Exhibit 23.1

                  [DELOITTE & TOUCHE LETTERHEAD APPEARS HERE]


INDEPENDENT AUDITORS' CONSENT




We  consent  to the  incorporation  by  reference  in this  Amendment  No.  1 to
Registration Statement No. 333-109981 of UnionBanCal  Corporation on Form S-3 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,  and to the  reference  to us under the heading
"Experts" in the Prospectus, which is part of this Registration Statement.


/S/ DELOITTE & TOUCHE LLP

San Francisco, California
December 22, 2003