Retail Commercial Banking & Credit · B2C Consumer App / Platform
UNO Digital Bank
Licensed Philippine digital bank for savings, loans and payments.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- UNObank, Inc.
- Entity type
- COMPANY
- Headquarters
- 20th Floor, Unit 2001, The Finance Centre Building, 26th Street corner 9th Avenue, Bonifacio Global City, Taguig, 1634
- Company size
- 501–1,000
- Market cluster / sector
- Retail Commercial Banking & Credit
- Market role
- B2C Consumer App / Platform
- Official website
- uno.bank
What UNO Digital Bank does
UNO Digital Bank runs a mobile-first retail banking model. It acquires consumers into a digital current and savings relationship, holds deposits, extends unsecured credit, enables payments and card usage, and manages the customer lifecycle inside a single application. Value creation comes from combining regulated deposit-taking, lending, card transactions and digital servicing in a lower-cost branchless operating model.
Category differentiation
UNO Digital Bank is a regulated consumer digital bank in the Philippines, not a B2B SaaS banking software vendor or an advertising technology platform. It provides retail banking products directly to end users through a mobile app.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
UNObank, Inc., trading as UNO Digital Bank, is a Philippines-based licensed digital bank that delivers retail banking through a consumer mobile app. Its product suite includes savings accounts, time deposits, unsecured personal loans, payments, transfers and a virtual debit card. The company operates without a branch-led distribution model and positions the mobile application as the primary service interface for account opening, account management and transaction activity. The business generates revenue through core banking economics: interest income from lending, spread-based income on deposit products, card-related interchange and selected transaction or service fees. Its direct customers are retail consumers in the Philippines seeking app-based banking, savings and borrowing. The company is regulated by the BSP and uses that regulatory status as a trust and market-entry advantage in a competitive Philippine neobank market.
Business model & monetisation
UNObank monetises through mobile-first retail banking revenue streams. The primary revenue source is net interest income from unsecured personal loans and the spread between lending yields and deposit costs. Secondary revenue comes from interchange on debit and virtual card transactions and from transaction or service fees tied to payments, transfers or account activity. Deposit products also function as customer acquisition and funding instruments that support lending economics and cross-sell opportunities.
- Net interest income from personal loans
- Interest spread
- Deposit spread economics across savings and time deposits
- Interest margin
- Card transaction income
- Interchange
- Payments, transfers and account-related charges
- Service Fee
- Partner-led cross-sell such as insurance
- Service Fee
Products & capabilities
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Competitors & alternatives
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Recent recorded signals
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Questions about UNO Digital Bank
What is UNO Digital Bank?
UNO Digital Bank is a Philippines-based licensed digital bank that offers app-based savings, time deposits, personal loans, payments and virtual card services.
Who uses UNO Digital Bank?
Its users are retail consumers in the Philippines who want to manage saving, borrowing and transactions through a mobile banking app.
How does UNO Digital Bank make money?
It makes money mainly from lending margins, deposit spread economics, card interchange and selected transaction or service fees.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
13 publicly documented primary sources and citations linked across the market graph.
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