UNO Digital Bank
UNO Digital Bank: A free mobile bank for Philippine personal savings, transfers, QR payments, and bills. Ranked #45 of 55 in Neobank Apps by our editors (4.5/10); pricing: Free plan; best for philippine customers seeking mobile savings and payments.
At a glance
- Editor score4.5 / 10
- PricingFree plan
- Best forPhilippine customers seeking mobile savings and payments
- Free planYes
- Paid fromFree
- Account scopePersonal
- Facts checked14 Nov 2026
Where it wins
- Daily interest crediting with balance-based savings rates
- QRPH, InstaPay, and PESONet transfers plus QR payments
- Bill pay, virtual Mastercard, and optional physical debit card
Where it doesn't
- Some add-money and cash-out services are temporarily unavailable
- Savings rates vary by balance tier
- Mobile-only access; no business account offering
Our verdict on UNO Digital Bank
UNO Digital Bank is a Philippine digital bank for people who want to manage personal savings and everyday payments through an iOS or Android app. The free #UNOready savings account credits interest daily, and the app supports transfers, QR payments, bill payments, and debit-card access. It is aimed at individual customers rather than businesses, with a mobile-only setup and no AI features.
Savings interest depends on the balance: the published rates are 3.00% p.a. for PHP 0.01–4,999.99, 3.50% p.a. for PHP 5,000–4,999,999.99, and 1.00% p.a. for PHP 5,000,000 and above. The app also offers time deposit products. Payments and transfers include QRPH, InstaPay, and PESONet, with GCash among the listed integrations. A virtual Mastercard debit card is available for online purchases, while a physical debit Mastercard can be requested. UNO states that deposits are insured by PDIC up to PHP 1 million per depositor and that it is regulated by the Bangko Sentral ng Pilipinas.
A practical limitation is that some add-money and cash-out services are temporarily unavailable during an upgrade, affecting customers who rely on those routes to move funds. Support is available by chat and phone, though it is not listed as 24/7. UNO is a reasonable fit for Philippine customers who prioritize app-based savings and local payments; those needing business banking, desktop access, or currently available cash-in and cash-out options should consider another service.
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UNO Digital Bank pricing
UNO Digital Bank fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Account scope | Personal |
| Early pay access | Not verified |
| Cash deposit support | Yes |
| International transfers | Not verified |
| Savings yield | 3.00% p.a. for balances PHP 0.01–4,999.99; 3.50% p.a. for PHP 5,000–4,999,999.99; 1.00% p.a. for PHP 5,000,000 and above |
| Supported currencies | Not verified |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Compliance & security | 2FA |
| Support | Live chat, Phone |
| Built for | Solo (editorial estimate) |
| Integrations | 4 integrations: GCash, InstaPay, PESONet, QR Ph |
| Pricing | Free plan |
| Website | uno.bank |
| Facts checked | 14 Nov 2026 |
UNO Digital Bank integrations
UNO Digital Bank lists 4 integrations on its own site.
- GCash
- InstaPay
- PESONet
- QR Ph
Alternatives to UNO Digital Bank
- Starling BankA no-monthly-fee UK bank account with budgeting, payments and savings tools.9.3
- bunqFlexible European banking with personal and business accounts, cards, and international transfers.9.2
- MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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