In the present study, several under bump metallization (UBM) schemes using either electroplated Ni or electroless Ni (EN) as the solderable layer are investigated. The EN and electroplated Ni are first deposited on Cu/Al2O3 substrates, followed by electroplating of thin gold coatings. Joints of 42Sn-58Bi/Au/EN/Cu/Al2O3 and 42Sn-58Bi/Au/Ni/Cu/Al2O3 are annealed at 145 degreesC and 185 degreesC for 30-180 minutes to investigate the interfacial reaction between the solder and metallized substrates. For 42Sn-58Bi/Au/Ni-5.5wt.%P/Cu/Al2O3 42Sn-58Bi/Au/Ni-12.1wt.%P/Cu/Al2O3, and 42Sn-58Bi/Au/Ni/CU/Al2O3 joints annealed at 145 degreesC, only Ni,Sn, intermetallic compound (IMC) formed at the solder/EN interface. When annealed at an elevated temperature of 185 degreesC, plate-like Ni,Sn, IMC forms at the solder/Ni-5.5wt.%P interface, while a trace of (Ni, Cu),Sn, IMC is observed at the solder/Ni-12.1wt.%P interface and within the solder region. For the electroplated Ni-based multi-metallization substrate, the Ni,Sn, IMC is present at the solder/Ni interface during annealing at 185 degreesC for a short period of time. In the 42Sn-58Bi/Au/EN/Cu/Al2O3 joint, the EN spalls off the EN layer and migrates into the solder region when annealed at 185 degreesC. The interface of the solder/electroplating Ni becomes saw-toothed as the annealing temperature is raised to 185 degreesC. In addition, an enrichment of phosphorus is observed at the interface of the Ni-Sn IMC and EN.