UNO Digital Bank is a BSP-licensed Philippine digital bank offering high-yield savings accounts, a Mastercard debit card, and financial tools designed for modern Filipino savers who want their money to grow without traditional banking friction. Backed by Asialink Finance and UnionBank, UNO provides competitive savings interest rates, instant account opening via selfie KYC, and a growing suite of financial products. Their savings products and Mastercard debit card provide Filipino users with a full banking experience from their smartphone. Filipino savers rate UNO Digital Bank as an emerging alternative to CIMB and Tonik for competitive interest rates and growing feature set. Check our best Payday Sale rates and deals below.

Tap a card, copy the code, paste it at checkout.

Active
20% Off New User Welcome Code
First-time UNO Digital Bank shoppers get 20% off with this welcome voucher, applied automatically at checkout.
First-time buyers · Auto-apply · Checkout bonus
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Free Shipping UNO Digital Bank Voucher Code
Skip the delivery fee on your next UNO Digital Bank checkout, this voucher waives shipping nationwide with no minimum spend required.
No minimum spend · Nationwide delivery · Auto-apply
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UNO Digital Bank Seasonal Promo Code
UNO Digital Bank's seasonal promo rotates discounts across categories throughout the year, check back for the current offer.
Rotating offers · Sitewide · Updated monthly
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Up to ₱450 Off UNO Digital Bank Payday Sale
UNO Digital Bank's Payday Sale knocks up to ₱450 off qualifying transactions, timed around every 15th and 30th payout.
Payday event · Every 15th & 30th · Min. spend applies
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Up to 20% Off New Transactions
Save up to 20% on new UNO Digital Bank transactions with this sitewide discount code, stacks with ongoing promos.
New transactions only · Sitewide · Checkout discount
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10.10 Sale: Up to 45% Off Sitewide
UNO Digital Bank's 10.10 Sale brings sitewide savings across top categories, active for one day only during the October shopping event.
All categories · 10.10 flash deals · One day only

How to Use These Codes

There are two reliable ways to apply a UNO Digital Bank Philippines coupon. The fastest is to paste the code directly into the search bar at the top of the app or website, the discount applies automatically to eligible products before you reach checkout. Alternatively, click through our verified link and the code auto-applies as you browse.

Once you're at the checkout page, double-check the voucher or coupon section. Any stored vouchers in your account will appear here and can be applied on top of sale prices. If you're a new user, your welcome code activates automatically, you don't need to enter anything manually.

"Natuklasan ko ang UNO Digital Bank nung hinahanap ko ng mas mataas na interest para sa savings. Simple lang mag-open ng account, selfie at valid ID lang. Mataas ang interest at may Mastercard pa. Slowly napupuno na ang savings ko. Masaya na mayroon itong app na user-friendly."
UNO Digital Bank Philippines promo codes and verified discount vouchers: September 2026 deals updated weekly by TipidNation
UNO Digital Bank Philippines coupon codes and deals for September 2026, updated weekly by TipidNation to help you save more on every digital banking app order.

UNO Digital Bank vs. The Alternatives

When should you use UNO Digital Bank, and when is the competition the better bet? Here's the honest breakdown.

UNO Digital Bank
Emerging Digital Bank
High-yield savings
Mastercard debit
GCash
Most Accessible
GSave + cashback
Widest merchant base
Maya
Full Banking Suite
Banking + crypto
QR pay everywhere
Tonik
Highest Interest
Stash up to 6% p.a.
Group savings feature

UNO Digital Bank is the right choice for Filipino savers who want competitive rates with the backing of established financial institutions (UnionBank and Asialink). GCash Philippines deals are the most widely used e-wallet with accessible GSave savings. Maya Philippines promo codes combine e-wallet, banking, and crypto in a single app. Tonik Philippines deals lead specifically on the highest available Stash interest rates. UNO is a growing player with strong institutional backing.

Account Features, Interest Rates & Digital Tools

UNO Digital Bank Philippines offers a high-yield savings account with competitive interest rates, a physical and virtual Mastercard debit card, InstaPay and PESONet transfers, and bills payment. Account opening is fully digital via the UNO app, submit a valid Philippine government ID and complete selfie KYC for approval typically within minutes. No minimum maintaining balance required.

UNO's UnoCycle rewards program earns points on debit card spending that can be redeemed for savings interest rate boosts or cashback, a loyalty mechanism that rewards active account users. PDIC insurance covers UNO deposits up to ₱500,000. Customer support is available via in-app chat and email.

Your 5-Step UNO Digital Bank Guide

1

Download the UNO App

Download UNO Digital Bank from App Store or Google Play. Available for iOS 12+ and Android 7.0+.

2

Register and Verify

Enter your mobile number and submit a valid Philippine government ID. Complete the selfie KYC verification: approval typically takes minutes.

3

Fund Your Account

Transfer from any Philippine bank via InstaPay or PESONet. No minimum deposit required to open your account.

4

Activate Your Mastercard

Request your virtual UNO Mastercard immediately for online shopping. Apply for the physical card via the app for in-store and ATM use.

5

Earn UnoCycle Points

Use your UNO Mastercard for eligible purchases to earn UnoCycle points. Redeem via the app for savings rate boosts or cashback credits.

Frequently Asked Questions

Does UNO Digital Bank have Payday Sale savings promos?
Yes. UNO Digital Bank is a BSP-licensed digital bank backed by Asialink Finance and has an investment from UnionBank of the Philippines. Deposits are insured by PDIC up to ₱500,000 per depositor. UNO uses bank-grade 256-bit encryption and multi-factor authentication for all transactions.
What interest rate does UNO Digital Bank offer?
UNO Digital Bank offers competitive savings interest rates for the Philippine digital banking market. Check the UNO app for current rates as they are updated periodically. Promotional rate boosts are announced in-app during special campaign periods.
Does UNO Digital Bank have a debit card?
Yes. UNO Digital Bank provides a Mastercard debit card, available as a virtual card (immediate) and a physical card (delivered within 5–10 business days). The virtual card can be used immediately for online shopping and digital payments. The physical card works at ATMs, Mastercard terminals, and contactless POS nationwide.
How does UNO Digital Bank compare to Tonik and CIMB?
All three are BSP-licensed Philippine digital banks targeting the high-yield savings market. Tonik offers the highest advertised interest rates (up to 6% p.a.) and unique Group Stash. CIMB integrates with GCash via GSave for broader accessibility. UNO is backed by established financial institutions and offers the UnoCycle rewards program as a differentiator. Compare current interest rates across all three before deciding.
Can I use UNO Digital Bank for bills payment in the Philippines?
Yes. UNO Digital Bank supports bills payment for major Philippine billers including Meralco, PLDT, Globe, Smart, Manila Water, Maynilad, SSS, Pag-IBIG, PhilHealth, and select credit cards. Bills payment is processed via the UNO mobile app. No additional fees apply for bills payment from your UNO savings account.

Past Offers Archive

A record of past promotions so you know what's changed, and what replaced them.

Swipe the table sideways →

Past Offer Replaced By
₱500 welcome bonus, 2025 Current active deal above
₱200 new account bonus Current active deal above
Extra 1% interest rate boost See current deal above

Last updated: September 11, 2026 · Next check: September 18, 2026 · Tested on UNO Digital Bank app (iOS, Philippines region)