Philippines' First Credit-Led Digital Bank

Elevate Your Money with the Philippines' First Credit-Led Digital Bank

Save smarter with up to 3.75% interest, borrow faster with instant approval, and bank better—all in one app. Zero fees, zero hassles.

Open Account in 5 Minutes Explore Products

BSP Licensed & PDIC Insured

Instant loan approval

1.6M+ Happy Customers

BSP Licensed

PDIC Insured

SSL Secured

256-bit Encryption

24/7 Monitoring

ISO 27001

One App for All Your Financial Needs

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

Save & Grow

Earn up to 3.75% p.a. on savings. Your money works harder with daily interest and zero maintaining balance. Plus, free life insurance up to ₱50,000.

Start Saving Now

Borrow with Ease

Get loans from ₱15,000 to ₱500,000. No collateral needed. Instant approval with rates as low as 1.79% monthly. Cash in your account within minutes.

Check Loan Eligibility

Transact Freely

Zero fees on transfers and payments. Free InstaPay, PESONet, QR Ph payments, and bills payment. Bank without the extra charges.

See All Features

Stay Protected

Affordable insurance from ₱79/month. Medical coverage, accident protection, and income loss support—all managed in your UNO app.

Explore Insurance

Banking Made Simple, Better, and Accessible

Six reasons why 1.6 million Filipinos chose UNO for their banking needs.

Lightning Fast

Open your account in under 5 minutes. Get loan approvals instantly. Transfer money in real-time.

Better Rates

Earn more on savings (up to 3.75% p.a.), keep more with zero fees, and borrow affordably from 1.79% monthly.

Bank-Level Security

Protected by BSP regulation, PDIC insurance, and military-grade encryption. 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 you're salaried, self-employed, or running a small business—we designed UNO for you.

Award-Winning

Recognized by Forbes, Asian Banker, and industry leaders as a top digital bank in the Philippines.

10-15x more than traditional banks

Earn Up to 3.75% p.a. on Your Savings

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

#UNOready Savings

3.75% p.a.

Interest credited daily, not monthly

Zero maintaining balance required

Free ₱50,000 life insurance included

PDIC insured up to ₱500,000

Your earnings on ₱100,000

Traditional Banks

₱250

With UNO

₱3,750

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.

Free Life Insurance

Maintain ₱10,000 average daily balance and get ₱50,000 life insurance coverage at no extra cost.

Guaranteed returns

Lock in Higher Rates with Time Deposits

Earn up to 6.50% p.a. with guaranteed returns. Choose monthly or maturity payout options.

3-Month Term

5.00% p.a.

Perfect for short-term goals. Minimum deposit of ₱10,000.

Guaranteed returns
Maturity payout

6-Month Term

6.00% p.a.

Great balance of returns and flexibility. Minimum deposit of ₱10,000.

Guaranteed returns
Monthly or maturity payout

12-Month Term

6.50% p.a.

Maximum returns for long-term savers. Minimum deposit of ₱10,000.

Highest guaranteed rate
Monthly or maturity payout

Open Time Deposit Account

PDIC insured up to ₱500,000 • Early withdrawal penalties may apply

Philippines' first credit-led digital bank

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

Instant approval with rates as low as 1.79% monthly. No collateral needed, 100% digital process.

#UNOnow Personal Loan

From 1.79%

monthly interest

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 Calculator

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

Filipino citizen, 21-65 years old, minimum ₱20,000 monthly income, employed 6+ months or self-employed 2+ years.

Your money is safe with us

Bank-level security with BSP regulation, PDIC insurance, and military-grade encryption protecting every transaction.

BSP Licensed

Fully licensed and regulated by Bangko Sentral ng Pilipinas.
PDIC Insured

Your deposits are insured up to ₱500,000 by PDIC.
Biometric authentication

Face ID and fingerprint login for secure access.
Real-time alerts

Get instant notifications for every transaction.
256-bit encryption

Military-grade encryption for all your data.
24/7 monitoring

Round-the-clock fraud detection and prevention.

Learn about security

Uptime

99.9%

Fraud Rate

0.001%

Support

24/7

Join 1.6 Million Filipinos Who've Elevated Their Banking

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

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

Freelancer

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

Jennifer Reyes

OFW

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