UNO Digital Bank review
A free mobile bank for Philippine personal savings, transfers, QR payments, and bills.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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.
UNO Digital Bank pros and cons
- 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
UNO Digital Bank fact sheet, pricing and score →
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