EXHIBIT 23.1





INDEPENDENT AUDITORS' CONSENT



We consent to the incorporation by reference in the Registration Statements Nos.
333-03040, 333-67581, 333-67581-01,  333-67581-02,  333-67581-03,  333-67581-04,
333-72979, 333-67579, 333-109304, 333-109304-01,  333-109304-02,  333-109304-03,
and  333-109981  on  Form  S-3  and  Registration   Statements  Nos.  333-03042,
333-03044,  333-27987,  333-95497,  333-103009,  and  333-109941  on Form S-8 of
UnionBanCal  Corporation of our report dated January 21, 2004 (February 19, 2004
as to Note 26) (which report  expresses an  unqualified  opinion and includes an
explanatory  paragraph for previously  recognized  goodwill and other intangible
assets), appearing in this Annual Report on Form 10-K of UnionBanCal Corporation
for the year ended December 31, 2003.


/S/ DELOITTE & TOUCHE LLP


San Francisco, California
March 12, 2004