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savings account
#UNOready
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
![uno digital bank life insurance icon](https://uno.bank/wp-content/uploads/2022/10/uno-digital-bank-life-insurance-icon.png)
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!
![uno digital bank cellphone app mycard dark mode 1](https://uno.bank/wp-content/uploads/2023/03/uno-digital-bank-cellphone-app-mycard-dark-mode-1.png)
Virtual Card
Get a FREE virtual UNO Debit Mastercard in 3 easy steps:
- Deposit at least PHP 100.00 to your #UNOready account
- Access “My Card”
- Activate your Virtual Card
COMING SOON
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.
![uno digital bank two debit cards](https://uno.bank/wp-content/uploads/2022/10/uno-digital-bank-two-debit-cards.png)
Features
Enjoy secured banking, easy access to your funds, an elevated shopping experience, and exciting rewards with the UNO Debit Mastercard.
![uno digital bank security lock icon](https://uno.bank/wp-content/uploads/2022/10/uno-digital-bank-security-lock-icon.png)
Safe & Secure
Access your UNO Virtual Debit Mastercard with a personal PIN and an OTP (One-Time Password).
![uno digital bank globe person icon](https://uno.bank/wp-content/uploads/2022/10/uno-digital-bank-globe-person-icon.png)
Global Acceptance
Our UNO Debit Mastercard can be used virtually and physically at all Mastercard-accepting merchants worldwide.
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Sustainable
Our cards are made up of 85.50% recycled plastic! They help reduce waste, energy, and pollution, which makes them great for the environment!
#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.
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 | |
---|---|---|
From | To | |
PHP 0.01 | PHP 4,999.99 | 3.50% |
PHP 5,000.00 | PHP 4,999,999.99 | 4.25% |
PHP 5,000,000.00 | Above PHP 5M | 1.00% |
Gross interest rate is applied to the total end of day balance.
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
– 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
Online | Bank | Fee |
Brankas | BPI | FREE |
Union Bank |
Over the Counter | Partner | Fee |
Paynamics | 711 Cliqq Network Philippines | FREE |
Bayad Center Network | ||
Cebuana Pawnshop Network | ||
Direct Agent 5 Network Philippines | ||
ECpay Network Philippines | ||
ETAP Network | ||
Expresspay Network Philippines | ||
M Lhuillier Pawnshop Network | ||
Posible.net Network | ||
SM Bills Payment Network | ||
True Money Network |
Over the Counter | Partner | Fee |
Paynamics | Cebuana | PHP 50.00 |
M Lhullier | ||
Palawan | ||
BDO and Rural Bank Partners | ||
SM Cash Pick–up |
Transaction | Fee |
Virtual Debit Card Issuance Fee | Free upon account activation |
Virtual Debit Card Replacement Fee | PHP 50.00 |
Physical Debit Card Replacement Fee | PHP 300.00 |
Local Transactions | |
Balance Inquiry | 2 FREE Transactions Per Month |
PHP 2.00 Per Transaction Thereafter | |
ATM Withdrawal | 2 FREE Transactions Per Month |
PHP 15.00 Per Transaction Thereafter | |
International Transactions | |
International Transaction Service Fee | 2.50% of Transaction Amount |
Balance Inquiry | As Levied by Acquiring Bank |
ATM Withdrawal | As Levied by Acquiring Bank |
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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PDIC-insured
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.