UNO Digital Bank

A BSP-licensed digital bank in the Philippines. Deposits sit at UNObank, Inc., not in a wallet.

Legal entity: UNObank, Inc.

Neobankactive

Philippines

Go to UNO Digital Bank →iOS 0.0 · 0 Android 0.0 · 0

Rate this app

UNO Digital Bank

7.2Solid

Alternatives

Five questions

At a glance

Is it a bank?
Yes — Digital bank (BSP). Still read the entity on the statement.
If it fails?
PDIC covers eligible deposits at UNObank, Inc. up to u20b11 million per depositor.
Salary?
You can take peso payroll into #UNOready if your employer will pay a local bank. UNO@Work is a corporate add-on, not a separate salary bank.
Open from abroad?
No. You need to be a resident citizen of the Philippines with a PH address and a local mobile number. An App Store listing is not an OFW account.
Monthly fee
No monthly fee on #UNOready
Account number
No IBAN. Local peso account with InstaPay, PESONet and QR Ph.

NeoBankDBVerdict

Licence first · score second

7.2

/10 · Solid

UNO is a bank. GCash is not. If you searched u201cuno banku201d, this is the BSP digital bank, PDIC-insured at UNObank, Inc. Open it for a peso savings account in the Philippines. Do not open it for an IBAN or for OFW life abroad u2014 the terms want a resident citizen, a PH address, and a local mobile number.

What it is

UNObank, Inc. is a BSP-licensed digital bank based in Bonifacio Global City, Taguig. It started operations on 5 July 2022. The app is UNO Digital Bank. Singapore-based UNOAsia Pte. Ltd. is a 40% shareholder in the 2022 annual report. Manish Bhai is President and CEO. Kalidas Ghose is Chairman.

Best for: Filipino residents who want a real digital bank with PDIC cover, not a GCash wallet.

Last checked 2026-09-17. Not advice.

What it does well

+BSP digital-bank licence
+PDIC up to u20b11 million per depositor
+No maintaining balance on #UNOready
+App-only current account with InstaPay and PESONet

What to watch

−Philippine resident citizens only
−InstaPay is not free
−Not a travel IBAN product
−USD retail savings is not advertised even with FCDU authority

Legal entity, not the app icon

Who is behind it

Legal name: UNObank, Inc.
Formerly: UNO Digital Bank, UNOBank, UNO
Parent: UNOAsia Pte. Ltd. (40% in the 2022 annual report), with Philippine holding companies.
Founders: Manish Bhai (President and CEO), Kalidas Ghose (Chairman)
Offices: 20/F Unit 2001, The Finance Centre, 26th Street corner 9th Avenue, Bonifacio Global City, Taguig City 1635, Philippines
If something goes wrong: BSP consumer assistance, plus UNO in-app chat and the 24/7 hotline on uno.bank.

The product, not the brand colour

The account

Platforms: iOS · Android
Account types: Savings · Time deposit · Personal loan
Minimum balance: No maintaining balance on #UNOready. Virtual card needs a u20b1500 minimum deposit from 5 July 2026.
Availability: Philippine resident citizens, 18+, with a local mobile number.
IBAN country: No IBAN. Local peso account with InstaPay, PESONet and QR Ph.
Hours: In-app chat 24/7. General inquiries daily 6 AM to 10 PM. Fraud hotline 24/7.
Remote open: No. You need to be a resident citizen of the Philippines with a PH address and a local mobile number. An App Store listing is not an OFW account.
Onboarding: Download the UNO app, confirm a Philippine mobile number, scan a government ID, take a selfie, set a passcode.
KYC documents: PhilSys, ePhilID, driveru2019s licence, passport, UMID, PhilHealth, PRC or SSS.
Minimum age: 18 for savings. Loans start at 21.
Salary / payroll: You can take peso payroll into #UNOready if your employer will pay a local bank. UNO@Work is a corporate add-on, not a separate salary bank.
Local rails: InstaPay, PESONet, QR Ph. Intrabank is free. InstaPay has a fee on the March 2025 schedule.
ATM network: Mastercard debit at local ATMs. Two free withdrawals a month on the March 2025 fee sheet, then a fee.

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: UNO Digital Bank lists a physical card and a virtual card on mastercard. Confirm the live product in the app — a card is not a current account.

Licence first

Safety

PDIC covers eligible deposits at UNObank, Inc. up to u20b11 million per depositor.

Who holds the money: UNObank, Inc.

BSPDigital bank · Philippines

Fees

Monthly: No monthly fee on #UNOready
FX markup: 2.50% on international card spend
ATM: Local ATM: 2 free/month, then a fee. Confirm the live schedule.
Interest: Savings rate is advertised in-app and on uno.bank u2014 it moves.

Features

–IBAN
✓Fee-free core
–Multi-currency
–Apple Pay
–Google Pay
✓Virtual card
✓Physical card
–Metal card
–Crypto
–Stocks
–Business
–Kids
–Halal

#UNOready PHP savings
Time deposits
Unsecured personal loans
Virtual and physical Mastercard debit
InstaPay, PESONet and QR Ph

Before you tap Sign up

How to open

Step 1
Download the UNO app
Use the App Store or Google Play listing for UNO Digital Bank. The developer is Unoasia Pte. Ltd.
Step 2
Use a Philippine mobile number
UNO sends an OTP to a local number that is not shared. This is not an OFW workaround.
Step 3
Scan a government ID and a selfie
PhilSys, passport, driveru2019s licence and a short list of other IDs are accepted. You must be 18 and a resident citizen.
Step 4
Fund #UNOready
There is no monthly fee and no maintaining balance on the core savings account. A virtual Mastercard needs a u20b1500 minimum from 5 July 2026.

Official help: www.uno.bank/faqs/

Operator documents

Their own papers

These are the operator’s documents. They outrank this review if they disagree.

Score

Safety25%
Fees20%
Features15%
App15%
Global15%
Support10%

Change log

Full log

No dated notes yet. When the licence, fees, or status moves, it lands here.

Available in

Philippines

Straight answers

FAQ

Is UNO Digital Bank a real bank?

Yes. UNObank, Inc. holds a BSP digital-bank licence. It is not GCash, not an e-money wallet, and not a partner-bank app. Your peso deposit sits at UNO.

Are UNO deposits insured?

Yes. UNO is a PDIC member. Eligible deposits are insured up to u20b11 million per depositor, across all your UNO accounts combined, under the March 2025 PDIC limit.

Who can open UNO?

Resident citizens of the Philippines, aged 18 or over, with a Philippine address and a local mobile number. The terms do not describe an OFW or tourist account.

Does UNO give an IBAN?

No. UNO is a Philippine peso bank. You get InstaPay, PESONet and QR Ph. That is not a European IBAN and not a USD checking account.

What is the monthly fee?

There is no monthly fee advertised on #UNOready, and no maintaining balance. InstaPay transfers have a fee on the March 2025 schedule. Card and ATM fees are on the same PDF.

Can I receive salary on UNO?

A peso payroll can land in #UNOready if your employer pays local banks. UNO@Work is a corporate product. UNO is not a multi-currency salary wallet.

UNO vs GCash u2014 which one is the bank?

UNO is the bank. GCash is a BSP e-money wallet run by G-Xchange, Inc. PDIC cover on GCash only appears if you open GSave at a partner bank. Do not mix the two files.

What is the legal name?

UNObank, Inc., Taguig. The brand is UNO Digital Bank. UNOAsia Pte. Ltd. in Singapore is a shareholder, not the deposit-taker.

Is there a USD account?

BSP lists UNO with FCDU authority. The public savings pages still advertise peso products. Do not assume a retail USD account until the app shows one.

If UNO closed, where is the money?

At UNObank, Inc., under PDIC rules up to u20b11 million per depositor. That is the same statutory cover as other Philippine banks, not a wallet safeguarding story.

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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Full alternatives page →

UNO Digital Bank

At a glance

What it is

What it does well

What to watch

Who is behind it

The account

How money actually moves

Safety

Fees

Features

How to open

Download the UNO app

Use a Philippine mobile number

Scan a government ID and a selfie

Fund #UNOready

Their own papers

Score

Change log

Available in

FAQ

Is UNO Digital Bank a real bank?

Are UNO deposits insured?

Who can open UNO?

Does UNO give an IBAN?

What is the monthly fee?

Can I receive salary on UNO?

UNO vs GCash u2014 which one is the bank?

What is the legal name?

Is there a USD account?

If UNO closed, where is the money?

Ratings and reviews

Used UNO Digital Bank?

Alternatives

Maya

GCash

Yuh