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UNO Digital Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

UNO Digital Bank suits Filipino adults with a steady income wanting a fixed rate personal loan arranged direct. The trade-off is cost: 35.78% to 37.54% APR over terms of 6 to 36, with an origination fee of 3% of loan amount or PHP 500, whichever is higher.

Key facts

Best for
Filipino salaried or self-employed adults wanting a fixed rate personal loan and a debit card with no monthly fee.
Rate type
Fixed↗
Term
6 to 36 months↗
Monthly fee
₱0↗
Legal entity
UNObank Inc.↗
Headquarters
Philippines↗
Founded
2022↗
Support channels
Chat, Phone, Help-centre↗
Pricing model
Fixed rate

Loans

APR
35.78% to 37.54%↗
Loan amount
₱15,000 to ₱250,000↗
Arrangement fee
3% of loan amount or PHP 500, whichever is higher↗
Representative example
Php100,000 loan, 36 months, APR 35.78%, monthly installment Php4,567.78; EIR based on processing fee of Php3,000↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
21 to 65 years old, Filipino national/resident, minimum gross monthly income PHP 20,000, employed at least 6 months or self-employed business operating at least 2 years↗
Origination fee (%)
3%↗
Loan types
Personal↗
Features
Virtual card

Debit cards

Card type
Debit↗
Card network
Mastercard↗

Facts checked September 26, 2026, 6 sources

Pros and cons

Pros

  • A fixed rate personal loan over terms of 6 to 36, so the instalment is set at the start and does not drift.
  • A debit card on the mastercard network with a monthly fee of PHP 0, plus a virtual card for online payments.
  • Support on chat, phone and help centre, with chat and phone listed alongside the help centre.

Cons

  • Free early repayment is not available, so settling a balance early leaves the 3% of loan amount or PHP 500, whichever is higher already paid.
  • 35.78% to 37.54% APR sits well above the 15.5% seen across the listings.
  • The origination fee of 3% of loan amount or PHP 500, whichever is higher is charged on top of the 35.78% to 37.54% APR.

Ready to try UNO Digital Bank?

Scored 8.6 / 10 by SumCue.

See alternatives

Who it suits

  • Filipino nationals or residents with a minimum gross monthly income, employed for a minimum period or trading for a minimum period.
  • Adults within the bank's stated age band who want instalments fixed for the life of the loan.
  • Borrowers who prefer a direct lender over a broker and want a card that carries no monthly fee.

Who should look elsewhere

  • Anyone planning to clear a loan early, since free early repayment is not available.
  • Rate-sensitive borrowers: 35.78% to 37.54% APR is well above the 15.5% of the wider listings.
  • Self-employed applicants whose business has not been trading for the minimum period the bank asks for.

Rates and card terms

Personal loans are priced at a fixed rate of 35.78% to 37.54% APR, and borrowing runs 6 to 36. Because the rate holds for the life of the loan, repayments stay predictable from month to month, though the headline percentage sits well above the 15.5% of the wider listings. Longer terms bring smaller instalments and more interest over the life of the loan.

The company behind it

The lending entity is UNObank Inc., a direct lender based in Philippines and founded in 2022. Support runs on chat, phone and help centre, so a borrower can reach the bank by chat or by phone as well as through its help centre. Dealing with a direct lender keeps the approval decision and the ongoing servicing under the same roof.

How UNO Digital Bank compares

Frequently asked questions

What rate do UNO Digital Bank personal loans charge?+

Personal loans are priced at 35.78% to 37.54% APR, a fixed rate that holds for the life of the loan, with terms of 6 to 36. That means the instalment is set at the start and does not drift, and the headline percentage sits above the 15.5% of the wider listings.

What fees come with a UNO Digital Bank personal loan?+

An origination fee of 3% of loan amount or PHP 500, whichever is higher applies on top of 35.78% to 37.54% APR, and the representative example builds a processing fee into the quoted effective rate. The debit card carries a monthly fee of PHP 0, so the card itself costs nothing to keep.

Can I repay a UNO Digital Bank loan early without a charge?+

Free early repayment is not available, so paying a balance off ahead of schedule does not recover the 3% of loan amount or PHP 500, whichever is higher already charged. Anyone expecting to settle a loan early from a bonus or a windfall should weigh that against the fee before applying.

Who can apply for a UNO Digital Bank personal loan?+

Applicants must be Filipino nationals or residents of adult age with a minimum gross monthly income. Employed applicants need a minimum period with their employer, and self-employed applicants need a business trading for a minimum period. Loans run 6 to 36 and cost 35.78% to 37.54% APR.

Does UNO Digital Bank offer a free debit card?+

The debit card runs on the mastercard network with a monthly fee of PHP 0, and a virtual card is offered for online payments. Questions on the card or the loan account run through chat, phone and help centre, which includes phone and chat as well as written help.

Who is behind UNO Digital Bank and where is it based?+

The lending entity is UNObank Inc., founded in 2022 and based in Philippines. It is a direct lender, so the application decision and the ongoing servicing sit with the same company rather than a separate intermediary, and support is handled in house.

How do I contact UNO Digital Bank about my loan?+

Support runs on chat, phone and help centre, covering chat, phone and a help centre. Phone and chat suit questions about a live application, while the help centre carries the published detail on rates, fees and the eligibility rules, including the income and tenure conditions an applicant must meet.

Sources

  • fintechnews.ph/55681/digital-banking-news-philippines/phi... checked September 26, 2026

    Backs: Card type, Features, Card network

    “debit cards powered by Mastercard”

  • unobank.asia checked September 26, 2026

    Backs: Headquarters, Legal entity

    “We are located at 20/F Unit 2001, The Finance Centre, 26th Street corner 9th Avenue, Bonifacio Global City, Taguig City 1635, Philippines”

  • unobank.asia/about-us checked September 26, 2026

    Backs: Lender type

    “UNO Digital Bank is South East Asia's first full-spectrum digital bank licensed under the Bangko Sentral ng Pilipinas”

  • unobank.asia/loans checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term

    “UNO offers loans between PHP 15,000 to PHP 250,000 with repayment tenors ranging from 6 to 36 months”

  • esquiremag.ph/money/industry/uno-bank-digital-bank-philip... checked September 26, 2026

    Backs: Founded

    “started its operations on 5 July 2022”

  • finmerkado.ph/debit-cards/unobank-debit-card checked September 26, 2026

    Backs: Monthly fee

    “zero monthly maintenance fees”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.

UNO Digital Bank

Filipino salaried or self-employed adults wanting a fixed rate personal loan and a debit card with no monthly fee.

8.6/10See alternatives