Komo

EastWest Rural Bank digital brand. BSP. PDIC. Not a separate digital-bank licence.

NeobankactivePhilippines

Rate this app

6.6Mixed
Alternatives

Our take

Desk verdict

Komo is East West Rural Bank’s digital brand. BSP. PDIC. Launched 2020. Maya is a digital bank. GCash is e-money. Komo is a rural-bank skin. Do not write a BSP digital-bank licence onto it. Confirm the live PDIC ceiling — EastWest pages have cited ₱500k and ₱1m in different years.

Filinvest group. Fort Bonifacio. Directories dump Komo next to Maya because both are apps. The rural-bank word is the review.

Komo lists Digital brand of East West Rural Bank, Inc. (EastWest group). PDIC member under Bangko Sentral ng Pilipinas in Philippines. On safeguarding we currently write: PDIC on eligible deposits at East West Rural Bank — live copy has cited both ₱500,000 and ₱1,000,000 MDIC. Confirm the current PDIC ceiling. Shared with other EastWest rural-bank deposits.. Holder / issuer line: East West Rural Bank, Inc.. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly ₱0 core pitch — confirm live; FX Not a travel bank; ATM InstaPay / network; interest Savings rate pitch — rates move. This desk would open it for: Philippines residents who want PDIC savings in an EastWest app, not Maya’s digital-bank class.

What it does well: Named BSP rural bank behind the brand; PDIC; No maintaining-balance pitch. What to watch: Rural-bank class, not a BSP digital-bank licence; PDIC cap copy has moved — confirm live; Shared cap with EastWest rural-bank deposits. Desk score 6.6 / 10 (safety 7.4, fees 8.0, features 6.8, app 7.2). Last verified 2026-08-30. Headquartered in Taguig, Philippines; founded 2020. None of this is advice — it is a file so you can read the entity before the card colour.

Best for: Philippines residents who want PDIC savings in an EastWest app, not Maya’s digital-bank class.

Pros

  • +Named BSP rural bank behind the brand
  • +PDIC
  • +No maintaining-balance pitch
  • +Visa

Cons

  • Rural-bank class, not a BSP digital-bank licence
  • PDIC cap copy has moved — confirm live
  • Shared cap with EastWest rural-bank deposits
  • PH-resident

Account facts

Partner bank
East West Banking Corporation (parent)

How it actually works

Custody
Bank balance
Local rails
In-app ledger
Built for
Personal
Settlement
App-ledger instant; bank rails per corridor
Review risk
Bank-grade; still not freeze-proof
Pay surface
visa · physical · virtual · Google Pay

Safety

PDIC on eligible deposits at East West Rural Bank — live copy has cited both ₱500,000 and ₱1,000,000 MDIC. Confirm the current PDIC ceiling. Shared with other EastWest rural-bank deposits.

Holder / issuer: East West Rural Bank, Inc.

  • Bangko Sentral ng PilipinasDigital brand of East West Rural Bank, Inc. (EastWest group). PDIC member · Philippines

Fees

Monthly
₱0 core pitch — confirm live
FX markup
Not a travel bank
ATM
InstaPay / network
Interest
Savings rate pitch — rates move

Features

  • IBAN
  • Fee-free core
  • Multi-currency
  • Apple Pay
  • Google Pay
  • Virtual card
  • Physical card
  • Metal card
  • Crypto
  • Stocks
  • Business
  • Kids
  • Halal
  • PHP digital savings
  • PDIC via East West Rural Bank
  • Visa
  • InstaPay
  • EastWest group

Score

Safety25%
7.4
Fees20%
8.0
Features15%
6.8
App15%
7.2
Global15%
2.8
Support10%
6.2

Change log

Full log
  1. Licence

    East West Rural Bank digital brand, PDIC

    Not a BSP digital-bank licence. Confirm the live PDIC ceiling.

Available in

FAQ

01

Is Komo a bank?

Komo holds a banking-style licence (Bangko Sentral ng Pilipinas). Still read the legal entity on the statement, not the app icon.

02

How is money protected?

PDIC on eligible deposits at East West Rural Bank — live copy has cited both ₱500,000 and ₱1,000,000 MDIC. Confirm the current PDIC ceiling. Shared with other EastWest rural-bank deposits.

03

Where is Komo available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with Komo.

04

Card and wallets?

visa · physical · virtual · Google Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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Used Komo?

Stars plus a short note. We publish after a desk read. “Verified user” is our tick, not yours.

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