Philippines
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Komo
EastWest Rural Bank digital brand. BSP. PDIC. Not a separate digital-bank licence.
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6.6Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — Digital brand of East West Rural Bank, Inc. (EastWest group). PDIC member (Bangko Sentral ng Pilipinas). Still read the entity on the statement.
If it fails?
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.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
₱0 core pitch — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.6
/10 · Mixed
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.
What it is
Filinvest group. Fort Bonifacio. Directories dump Komo next to Maya because both are apps. The rural-bank word is the review.
Best for: Philippines residents who want PDIC savings in an EastWest app, not Maya’s digital-bank class.
Last checked 2026-08-30. Not advice.
What it does well
- +Named BSP rural bank behind the brand
- +PDIC
- +No maintaining-balance pitch
- +Visa
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
- −PH-resident
Who holds the money
The account
- Partner bank
- East West Banking Corporation (parent)
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Komo lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
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.
Who holds the money: 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 logLicence
East West Rural Bank digital brand, PDIC
Not a BSP digital-bank licence. Confirm the live PDIC ceiling.
Available in
Straight answers
FAQ
01Is 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.
02How 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.
03Where is Komo available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Komo.
04Card and wallets?
Komo lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Komo remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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