savings account


Make everything easy with our Savings Account. Send money, pay bills, and shop online while your money grows!

  • Be ready to elevate your earnings with as much as 4.25% p.a. interest credited DAILY!
  • Easy funding through InstaPay and PESOnet. Plus, you can Add Money online and over-the-counter at zero charges.
  • Get free life insurance coverage worth PHP 50,000.00.
  • Get a FREE virtual card when you deposit at least PHP 100.00.

Earn up to 4.25% interest

Be #UNOready! Elevate your savings with a 4.25% interest rate for deposits PHP 5,000.00 and up, and 3.50% for below PHP 5,000.00

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No Fees

Zero transaction fees​, Cash in for free online & over-the-counter in over 7,500 outlets nationwide*

*excluding PESONet charges from the sending bank

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Life Insurance

Get free Life Insurance coverage worth PHP 50,000.00

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Virtual Debit Card

Get a FREE UNO Virtual Debit Mastercard with a minimum deposit of PHP 100.00 only.

Virtual and Physical Card

Enjoy quick, convenient, and secure payments with the UNO Debit Mastercard virtual and physical cards!

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Virtual Card

Get a FREE virtual UNO Debit Mastercard in 3 easy steps:

  1. Deposit at least PHP 100.00 to your #UNOready account
  2. Access “My Card”
  3. Activate your Virtual Card


UNO Debit Mastercard

The first numberless card in the Philippines!

Your card details are stored inside the chip and are not visible on the card, making any lost or stolen card unusable.

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Enjoy secured banking, easy access to your funds, an elevated shopping experience, and exciting rewards with the UNO Debit Mastercard.

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Safe & Secure

Access your UNO Virtual Debit Mastercard with a personal PIN and an OTP (One-Time Password).

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Global Acceptance

Our UNO Debit Mastercard can be used virtually and physically at all Mastercard-accepting merchants worldwide.

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Our cards are made up of 85.50% recycled plastic! They help reduce waste, energy, and pollution, which makes them great for the environment!

What is #UNOready?

#UNOready is a HIGH-RATE savings account with tiered interest(1) rates. It comes with a Mastercard debit card to offer an easy and convenient way to make purchases and manage banking transactions. UNO Savings Account also comes with FREE life insurance with PHP 50,000.00 coverage.      


It only takes a few minutes to open an account through the UNO Digital Bank mobile application. There is no initial deposit and no maintaining balance required to keep the account.


(1)Interest earnings from this account are subject to government taxes and may be changed without prior notice.

(2)Minimum deposit of PHP 100.00 is required to activate the FREE virtual card.

(3)Minimum average daily balance of PHP 10,000.00 is required to qualify. Age eligibility is between 18 and 65 years old subject to the acceptance criteria of the insurance provider.

What are #UNOready Interest Rates?

A base interest rate of 3.50% gross per annum applies to accounts with available end of day balance below PHP 5,000.00 while a step-up interest rate of 4.25% gross per annum applies to accounts with an available end of day balance from PHP 5,000.00 to PHP 4,999,999.99. 1.00% gross per annum interest rate will be applied once the available end of day balance reaches PHP 5,000,000.00 or higher. Interest earned is credited to the account daily.      

End of Day Balance

Gross Interest Rate



PHP 0.01

PHP 4,999.99


PHP 5,000.00

PHP 4,999,999.99


PHP 5,000,000.00

Above PHP 5M



Gross interest rate is applied to the total end of day balance.

How do I compute for my interest rate?

You can compute for your interest earned for the day using the formula below:


Gross Interest Earned = Principal * Interest Rate * (1/number of days in a year).


For example, at the end of the day you have PHP 55.00 in your account. It means that gross interest earned is PHP 0.01 = 55*3.50%*(1/365).


The minimum interest that gets credited to your account is PHP 0.01.



Interest earnings from this account are subject to government taxes and may be changed without prior notice.

365 or 366 depending on the actual number of days in a year

Who is Qualified to Open an Account?

– Individuals 18 Years of Age or Older

– Filipino Citizens

– Must have an active mobile number registered in the Philippines

– Must have a valid Philippine Mailing -Address

– Must have at least one (1) valid Philippine ID: (any ID listed below)

     1. Passport

     2. Driver’s License

     3.  UMID

     4. SSS ID

     5. PRC ID

     6. PhilSys ID

     7. PhilHealth ID


What are the available Add Money Channels?

Add Money can conveniently be made to UNO Savings Account through the online and over-the-counter (OTC) channels listed below:      








Union Bank


Over the Counter




711 Cliqq Network Philippines


711 Network Philippines

Bayad Center Network

Cebuana Pawnshop Network

Direct Agents 5 Network Philippines 

DragonPay Philippines

Ecpay Network Philippines

Etap Network

Expresspay Network Philippines

M Lhuillier Pawnshop Network Network

SM Bills Payment Network

True Money Network


The full list of Add Money channels is available in the UNO Digital Bank mobile application. 

How do I Send Money, Get Money and make Payments?

You may Send Money to another UNO Digital Bank account or to another local bank account or e-wallet and also pay bills using the UNO Digital Bank mobile application FREE of charge.


Get Money  is available through the following channels subject to certain limits and charges:      


Over the Counter





PHP 50.00

SM Payments

Palawan Express

Cebuana Branches

M Lhuillier


The full list of Get Money channels is available in the UNO Digital Bank mobile application.

UNO Debit Mastercard Details

The free UNO Debit Mastercard enabled virtual debit card can be activated with a minimum deposit of PHP 100.00 to your #UNOready account. The virtual debit card may be used for online transactions.


Debit card limits can be managed in the UNO Digital Bank mobile application.


Below are the fees and charges associated with the use of the UNO Debit Mastercard Card:




Virtual Debit Card Replacement Fee

PHP 50.00

International Transactions

International Transaction Service Fee

2.50% of Transaction Amount


Terms and conditions apply.


UNO Digital Bank is a member of PDIC. Deposits are insured by PDIC up to PHP 500,000.00 per depositor.      


For any concerns, you may call us at (+632) 8811 8866 during our business hours of 6am to 10pm – Mondays to Sundays, or send us a message through

One app for all!

Do everything in just a few taps! From saving, sending money, and shopping — all can be done with the UNO Digital Bank app. Elevate your banking experience and get started with us!

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Deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) up to P500,000 per depositor

Member of PDIC

Deposits are insured by PDIC up to P500,000 per depositor.


Scan to get started!

UNO Digital Bank is here to bring you a simple, better, and accessible banking experience fit for your lifestyle. Experience an elevated banking journey today.