UNO Digital Bank
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Philippines' First Credit-Led Digital Bank

Elevate Your Money. Finally Get the Credit You Deserve.

Save smarter with up to 3.50% p.a., borrow faster with instant approval, and bank without the extra charges — all in one app.

Open Account in 5 Minutes See Our Features
BSP Licensed & PDIC Insured
Instant Approval
Millions Bank With Us
BSP Licensed
PDIC Insured
SSL Secured

One App for All Your Financial Needs

Save, borrow, transact, and protect—everything you need in one powerful app.

Save & Grow

Earn up to 3.50% p.a. with zero maintaining balance. Get free ₱50,000 life + ₱100,000 Accident Insurance at ₱10,000 ADB.

Start Saving Now

Borrow with Ease

Get a loan up to ₱500,000. No collateral or guarantor needed. Instant approval, rates from 1.79% to 3% monthly. Cash in your account in minutes.

Check My Eligibility

Transact Freely

Free UNO-to-UNO transfers, PESONet, and QR Ph payments. Just ₱8 for InstaPay. Bank without the extra charges.

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Stay Protected

Affordable insurance from ₱79/month via Singlife 3-in-1 Plan—medical, accident & income loss support, all in the UNO app.

Explore Insurance

Banking Made Simple, Better, and Accessible

Six reasons why 3.4 million Filipinos chose UNO for their banking needs.

Lightning Fast

Open your account in under 5 minutes. Get instant loan approval. Transfer money in real-time.

Better Rates

Earn up to 3.50% p.a. on savings, keep more with low fees, and borrow affordably from 1.79% monthly.

Bank-Level Security

Protected by BSP regulation and PDIC insurance up to ₱1,000,000. Your money is safe with us.

100% Digital

No branches to visit, no long queues, no paperwork. Everything you need in one intuitive app.

Built for Filipinos

Whether salaried, self-employed, a business owner, or supporting family abroad—UNO's for you

Award-Winning

Recognized among the World's Best Banks by Forbes, plus 2025 Best Digital Bank honors.

10-15x more than traditional banks

Earn Up to 3.50% p.a. on Your Savings

Watch your money grow with daily interest. No minimum balance, no monthly fees—just pure savings power.

#UNOready Savings

3.50% p.a.

Interest credited daily, not monthly
Zero maintaining balance required
Free ₱100K PA insurance
PDIC insured up to ₱1,000,000

Your earnings on ₱100,000

Traditional Banks

₱250

With UNO

₱3,500

Open Savings Account

Why choose #UNOready Savings?

Daily Interest Crediting

Unlike traditional banks that pay monthly or quarterly, your interest compounds daily for faster growth.

No Minimum Balance

Start with any amount. No penalties, no maintaining balance fees, no hidden charges.

Life & PA Insurance

Maintain ₱10,000 ADB and get ₱50,000 free life plus ₱100,000 Accident Insurance—automatically.

Guaranteed returns

Lock in Higher Rates with Time Deposits

Earn up to 5.75% p.a. with #UNOboost or 5.00% with #UNOearn. Guaranteed & PDIC insured.

#UNOboost

5.75% p.a.

Fixed rate, paid at maturity. Min. placement of ₱5,000.

  • Guaranteed returns
  • Maturity payout
Most Popular

#UNOearn

5.00% p.a.

Monthly interest payout for steady income. Min. placement of ₱5,000.

  • Guaranteed returns
  • Monthly payout
Open Time Deposit Account

PDIC insured to ₱1,000,000 • Full withdrawal only, charges apply.

First Full-Spectrum Digital Bank in PH

Get Loans from ₱15K to ₱500K in Minutes

Instant approval with rates from 1.79% to 3% monthly. No collateral, 100% digital process.

#UNOnow Personal Loan

From 1.79%-3%

monthly

Borrow ₱15,000 to ₱500,000
Instant approval with AI credit scoring
No collateral or guarantor needed
Flexible terms: 6, 12, 18, 24, or 36 months

Sample loan calculation

Loan Amount

₱100,000

Term

12 months

Monthly Payment

₱10,108

Interest Rate

1.79%/mo

Apply for Loan See Rate

Perfect for every Filipino

For Employees

Get quick access to funds for emergencies, home improvements, or personal needs. Just 6+ months of employment required.

For Freelancers & Self-Employed

Traditional banks reject you? We don't. Our AI-powered credit scoring looks beyond employment status to assess your true creditworthiness.

For Small Business Owners

Need working capital fast? Get approved in minutes and receive funds the same day. No endless paperwork, no waiting weeks for approval.

Eligibility Requirements

[Confirm eligibility criteria against #UNOnow specifically]

Join Millions of Filipinos Who've Elevated Their Banking

Real stories from real customers who made the switch to UNO.

Maria Santos

Maria Santos

Business Owner

I got approved for my loan in minutes! Other banks made me wait weeks. UNO saved my small business.

Carlos Torres

Carlos Torres

Freelancer

Finally, a bank that pays real interest on savings and doesn't charge me for everything. Thank you, UNO!

Jennifer Reyes

Jennifer Reyes

OFW

As an OFW, I need banking that works 24/7. UNO never sleeps, just like my hustle.