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UNO Digital Bank Empowering the Future of Banking
In a time of swift technology development and changing customer demands, UNOBank stands out as a financial industry leader in innovation. This digital-first organization is dedicated to disrupting conventional banking paradigms and skillfully combines state-of-the-art technology with user-centric design. The end effect is a banking experience that encourages financial empowerment and knowledge among its varied customers in addition to prioritizing efficiency and security.
General Information
Phone - (02) 8811 8866, +63 919 0599866
UNOBank Customer Service Email - CustomerHappiness@uno.bank
Address - 20/F Unit 2001, The Finance Centre, 26th Street corner 9th Avenue, Bonifacio Global City, Taguig City 1635, Philippines
Official Company Name - UNO Digital Bank
UNO Digital Bank is registered with Securities and Exchange Commission (SEC) on October 27, 2021 and is one of the six digital bank licensed by the Banko Sentral ng Pilipinas (BSP) under Resolution No. 694.
Swift Code - UNOBPHM2
UNOBank Loan Offers
A wide variety of loan packages are available from UNO Digital Bank to meet different financial demands. The following are some of the main loan choices:
UNOnow Loan
This product, a quick-access loan intended for urgent financial requirements, prioritizes speedy approval, little documentation and no collateral or guarantors needed, making it perfect for people who need money right now.
Interest rate - 1.79% per month
Loan amount - PHP 10,000 to PHP 50,000
Loan tenure - 6 to 36 months
Approval duration - 3 to 5 business days
UNOBank Personal Loan
Personal loans give people money to pay for things like home renovations, travel, or medical expenditures. They frequently have affordable interest rates and adjustable payback schedules.
Interest rate - 2% per month
Loan amount - PHP 10,000 to PHP 200,000
Loan tenure - 12 to 36 months
Approval duration - 5 to 7 business days
Business Loan
These loans, which are specifically designed for small enterprises and entrepreneurs, assist in funding expansion initiatives, equipment acquisitions, and operating expenses. They frequently use specialized terminology to aid in the expansion of businesses.
Interest rate - 2% per month
Loan amount - PHP 10,000 to PHP 200,000
Loan tenure - 12 to 36 months
Approval duration - 3 to 5 business days
Other Services
UNO Savings Account
UNOBank savings interest rate is excellent. The UNO Savings Account is intended to give users a safe and profitable method to save money. Because it has no minimum balance restrictions or monthly maintenance costs, this account is quite flexible and available to a variety of savers.
Features:
- Up to 4% P.A. interest daily
- Free life insurance coverage worth PHP 50,000
- Free virtual card when you deposit at least PHP 100
UNOBank Time Deposit
The UNO Time Deposit offers customers a secure way to grow their savings with higher interest rates compared to standard savings accounts. With flexible terms ranging from as short as 30 days to several years, this product allows savers to choose a duration that aligns with their financial goals.
Features:
- High interest rate up to 5% P.A.
- Fixed interest rate up to 1 year
- Can open up to 5 time deposit bookings
UNO Digital Bank Cellphone App
The user-friendly UNO Digital Bank cellphone app simplifies money administration for customers. The app's simple design lets users access accounts, move funds, and track spending in real time. The UNO app protects personal data while offering budgeting and saving solutions. UNO helps people to manage their finances easily and efficiently.
Features:
- Free real time transfers or withdrawals
- Bills payment
- Free virtual debit card
- Exclusive promos and deals
- Dark mode to reduce eye strain
Promotions
Uno Thursday with Lazada
Enjoy great discounts with the virtual UNO Debit Mastercard! Lazada offers P100 off a PHP 1,500 order. Double your interest for the day to earn up to 8.50% per year on your money. Download the UNO app for your free virtual debit card to get started.
Rapid Processing
At UNO Bank, we prioritize speed and efficiency. Our streamlined online application process is designed to take only minutes, ensuring you can quickly move from application to approval. Once approved, funds are swiftly transferred to your bank account, demonstrating our commitment to fast service, especially for our valued returning customers.
Unmatched Transparency
Trust and transparency are fundamental at UNO Bank. We ensure that all loan terms, conditions, and details are communicated clearly and straightforwardly, so you're fully informed and can make decisions with confidence. Our open approach is how we build lasting trust with our clients.
Utmost Convenience
With UNO Bank, forget the traditional hassles of loan applications. Our process is fully online, allowing you to apply, receive approval, and manage your loan from the comfort of your home or on the go, using just your mobile device or computer. It's loan processing made easy, without ever needing to stand in line or fill out cumbersome paperwork.
Adaptive Solutions
UNO Bank stands out for its innovative and flexible approach to personal loans. We're responsive to your evolving financial needs, offering products that align with your unique circumstances, backed by ethical business practices and a commitment to transparency.
How to Apply for a Loan from UNO Digital Bank
- Download the UNO app from Google Play Store or Apple App Store
- Open the app and select option to create an account. Provide details as needed.
- Select Loan Product and enter mobile number and validate with one-time password (OTP)
- Consent and User Verification - Read the terms and conditions carefully, then tap Accept. Provide a valid ID, a selfie, and undergo liveness check via ZOLOZ's Deep Scan for identity verification.
- Initial Profile Assessment - wait for UNO Digital Bank to finish examination and evaluation of your information.
- Profile Completion and Declaration - data such as personal, employment and financial information should be provided for further checking and then answer questionnaires.
- Approval and Registration - Review the loan amount terms and tap Yes if you wish to continue. Set password and passcode. Loan proceeds will be credited to your account.
UNO Digital Bank History
UNO Digital Bank was registered with the Securities and Exchange Commission on October 27, 2021. The Bangko Sentral ng Pilipinas (BSP) signed the Certificate of Authority to Operate as a digital bank on June 7, 2022. Within 21 months of its launch, UNO Digital Bank had over 1.6 million customers and US$118 million in deposits.
Brand acheivements
- UNO Digital Bank won the Digital Banking Award - Philippines at the 2024 ABF Fintech Awards on July 31, 2024. The bank was recognized for its commitment to providing innovative and accessible financial services.
- Recipient of Awards of Excellence July 19, 2024
Expert Opinion on UNO Digital Bank
Melissa Goh
Journalist - Tech In Asia
"Uno Digital Bank is venturing into a unique niche by digitalizing the Philippines' ubiquitous sari-sari stores, aiming to offer a comprehensive platform for managing inventory, finances, and marketing, unlike traditional digital banks. While UnoBiz holds the potential to expand customer reach, generate revenue, and strengthen the bank's data and credit models, the initiative faces challenges in convincing small businesses to adopt digital tools and navigating the complexities of supply chain management and lending regulations." (Uno Digital Bank Takes detour to digitalize the Philippines’ sari-sari stores)
Conclusion
UNO Digital Bank represents the future of banking, driven by innovation and customer service. This digital financial giant has changed banking by giving a smooth digital experience, bespoke financial solutions, and transparent terms that establish trust and empower users. UNO meets customers' different needs with its user-friendly mobile app and large range of loan products while providing fast processing and convenience.
With a clear vision for the future, UNO Digital Bank can empower Filipinos financially and make banking more efficient and inclusive. UNO promotes financial knowledge and growth to help consumers confidently manage their finances in the digital age.
Frequently Asked Questions
- Age: 21 to 65 years old
- Filipino citizen
- Must reside or work in the following areas: Metro Manila, Cebu, Rizal, Cavite, Laguna, Pampanga, Bulacan, Batangas, Iloilo, or Davao Del Sur, Bacolod City, Alaminos City & Dagupan City, Cabanatuan City & San Jose City, Cagayan De Oro City, Lucena City, Tarlac City, Tacloban City, Naga City, Subic City, Iba City, Olongapo City, Albay City, Dumaguete City, Cauayan City & Santiago city, Tagbilaran City, San Fernando City, Puerto Princesa City, Tuguegarao City, Bacolod City, Baguio City
- Must have a minimum gross monthly income of PHP 20,000
- Must be employed for at least 6 months
- Self employed - must have a business in operations for at least 2 years
Below are the fees applicable to #UNOnow:
- Processing Fee – 3% of the loan amount or PHP 500 whichever is higher, to be deducted from the loan proceeds
- Late Payment Fee – 5% of unpaid installment or PHP 500 whichever is higher
- Loan Pre-termination Processing Fee – 3% of unbilled amount or PHP 300 whichever is higher (applicable on loans > 30 days; none on loans < 30 days)
- Do I need a bank account or credit card from other banks to apply for an UNO Loan?
- No, you don’t need a bank account or credit card from other banks to apply for an #UNOnow loan.
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finmerkado.ph is not a loan provider and does not issue loans from its own account. finmerkado..ph 's service helps to evaluate verified/trusted lenders in real time with diversified financial products, flexible repayment from 91 to 180 days with minimum APR interest rate of 0% and up to 427%. For example, you apply for PHP 20,000 and choose repayment over 6 months, your monthly payment will be only PHP 5,000 per month, your total cost of the loan will be PHP 2,383 per month (APR = 143%). finmerkado will not charge for using our service. The exact cost of each loan depends on the individual application. You will always receive complete accurate information about the APR and all fees before signing a loan agreement.
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