Source: https://fintech.ph/category/digital-banking Category · 25 companies # Digital Banking Digital-first banks and neobanks offering online banking services Search within Digital Banking Related: [Lending](https://fintech.ph/category/lending) [Savings](https://fintech.ph/category/savings) [Business Banking](https://fintech.ph/category/business-banking) [Financial Inclusion](https://fintech.ph/category/financial-inclusion) [All categories](https://fintech.ph/directory) Well-known in Digital Banking [G GoTyme](https://fintech.ph/listing/gotyme) [M MariBank Philippines](https://fintech.ph/listing/maribank-ph) [T Tonik Bank](https://fintech.ph/listing/tonik-bank) [U UnionDigital Bank](https://fintech.ph/listing/uniondigital) Alphabetical. Placement is never paid. Showing 25 companies - [Maya](https://fintech.ph/listing/maya): Featured · It's everything and a bank · Maya is the Philippines' leading consumer money app — an all-in-one wallet, payments and digital-banking super-app operated by Maya Innovations Holdings (legally Voyager Innovations, Inc.). In one app it offers the Maya wallet, QR payments, a cashback credit card, crypto and investments, plus full banking through Maya Bank — one of six BSP-licensed digital banks — including high-yield savings, Personal Goals, time deposits, and personal and MSME loans, with PDIC-insured deposits. Maya Bank reached profitability in 2025. Backed by PLDT, KKR, Tencent, GIC and IFC, the group has raised ~US$0.7B and reached unicorn status. · Digital Banking · Digital Wallet · Payments · Founded 2013 · Mandaluyong City, Philippines · Growth · US$592M raised · US$1.4B valuation - [BDO Unibank](https://fintech.ph/listing/bdo): We Find Ways · BDO Unibank, Inc. (PSE: BDO) is the Philippines' largest bank by assets, loans, and deposits, with total assets of about ₱5.4 trillion at end-2025. Part of the SM Group controlled by the Sy family, BDO is a full-service universal bank offering consumer and corporate banking, lending, payments, remittances, investments, insurance, and wealth/private banking through one of the country's most extensive branch and ATM networks. It traces its roots to Acme Savings Bank (1968), was acquired by the SM Group in 1976, and merged with Equitable PCI Bank in 2007. · Digital Banking · Business Banking · Lending · Founded 1968 · Makati City, Philippines · Public - [UnionBank](https://fintech.ph/listing/unionbank): The Tech Bank of the Philippines · Union Bank of the Philippines, Inc. (UnionBank; PSE: UBP) is an Aboitiz-led universal bank founded in 1968 and headquartered in Pasig City. A pioneer of digital banking in the Philippines, it serves millions of customers through platforms such as UnionBank Online and the New EON app, and reported total assets of roughly ₱1.14 trillion in 2025. In 2022 it acquired Citibank Philippines' consumer banking business. Its group includes digital-only UnionDigital Bank, fintech/open-finance arm UBX, and thrift bank CitySavings. UnionBank champions financial inclusion under its "Tech Up Pilipinas" advocacy. · Digital Banking · Business Banking · Payments · Founded 1968 · Ortigas Center, Pasig City, Philippines · Public - [BPI](https://fintech.ph/listing/bpi): Featured · Do More with BPI · Bank of the Philippine Islands (BPI) is the oldest bank in the Philippines and Southeast Asia, founded in 1851. A universal bank controlled by Ayala Corporation and listed on the Philippine Stock Exchange (ticker: BPI), it offers consumer and corporate banking, lending, payments, investments, wealth management, and insurance. BPI absorbed Robinsons Bank in a merger effective 1 January 2024. In FY2025 it posted record net income of about ₱66.6 billion with total assets of roughly ₱3.7 trillion. · Digital Banking · Business Banking · Lending · Founded 1851 · Makati City, Philippines · Public - [Metrobank](https://fintech.ph/listing/metrobank): You're in Good Hands · Metropolitan Bank & Trust Company (Metrobank; PSE: MBT) is one of the Philippines' largest universal banks, founded in 1962 by Dr. George S.K. Ty. Affiliated with GT Capital Holdings, it offers consumer and corporate banking, lending, credit cards, wealth management, and trust services through a nationwide branch and ATM network plus overseas offices. It posted record FY2025 net income of ₱49.7 billion with total assets of about ₱3.88 trillion, and is the parent of thrift bank PSBank. · Digital Banking · Business Banking · Wealth Management · Founded 1962 · Bonifacio Global City, Taguig, Philippines · Public - [RCBC](https://fintech.ph/listing/rcbc): We Believe in You · Rizal Commercial Banking Corporation (RCBC) is one of the largest universal banks in the Philippines, founded in 1960 by Alfonso Yuchengco and headquartered at RCBC Plaza in Makati. Listed on the PSE (ticker: RCB) and part of the Yuchengco Group, it offers retail and corporate banking, lending, credit cards (RCBC Bankard), remittances, and digital services. It operates the financial-inclusion super app DiskarTech. Japan's SMBC is a major strategic shareholder (about 24.5% as of December 2025). · Digital Banking · Business Banking · Lending · Founded 1960 · Makati City, Philippines · Public - [Security Bank](https://fintech.ph/listing/security-bank): BetterBanking · Security Bank Corporation (PSE: SECB) is a Philippine universal bank founded in 1951 as the country's first private, Filipino-controlled bank after WWII. Headquartered in Makati, it is controlled by the Dy family, with Japan's MUFG Bank holding a 20% strategic stake since 2016. It offers retail, business, corporate and investment banking, credit cards, and wealth management through its branch network, ATMs, and the Security Bank App. In 2025 it posted record net income of ₱11.6 billion on total assets of about ₱1.2 trillion. · Digital Banking · Business Banking · Lending · Founded 1951 · Makati City, Philippines · Public - [Tonik Bank](https://fintech.ph/listing/tonik-bank): Featured · Philippines’ First Digital Bank · Tonik is a standalone digital bank in the Philippines, operating under a BSP digital-bank license secured in 2021. Founded in 2018 as a Singapore group and launched in the Philippines in March 2021, it offers savings, time deposits, Stashes and consumer loans, with PDIC-insured deposits. Its recorded financing rounds total US$187M, including the US$131M Series B led by Mizuho Bank in 2022 and a US$12M Pre-Series C raised by controlling shareholder Tonik Financial in November 2025, led by Diligent Capital Partners. Tonik reported reaching profitability in Q1 2026. · Digital Banking · Lending · Savings · Founded 2018 · Pasig City, Philippines · Growth · US$187M raised - [KOMO](https://fintech.ph/listing/komo): All-digital banking, all in one app · KOMO is the all-digital banking service of East West Rural Bank, Inc., a wholly owned subsidiary of EastWest Banking Corporation (PSE: EW). Launched in May 2020 as the first exclusively digital banking service offered by a Philippine universal banking group, KOMO lets customers open an account in minutes and save, transfer funds, and pay bills entirely through its mobile app — no branch required. It offers a free Visa debit card, free fund transfers, and bills payment. KOMO operates under EastWest Rural Bank's BSP licence and is a PDIC member. (The name stands for "kontrol mo ang pera mo".) · Digital Banking · Savings · Founded 2020 · Bonifacio Global City, Taguig, Philippines · Growth - [Land Bank of the Philippines](https://fintech.ph/listing/landbank): Serving the Nation · Land Bank of the Philippines (LANDBANK) is a 100% government-owned universal bank created in 1963 under RA 3844 to finance agrarian reform and rural development. It is the country's largest government bank and among the largest banks overall by assets (about ₱3.5 trillion in 2025), serving farmers, fisherfolk, agrarian-reform beneficiaries, MSMEs, LGUs and government agencies. It combines a developmental mandate in agriculture with full commercial and digital banking, prioritizing lending to the agriculture, fisheries and rural development sectors. · Lending · Digital Banking · Business Banking · Founded 1963 · Manila, Philippines · Government - [UNObank](https://fintech.ph/listing/unobank): A full-spectrum digital bank · UNObank (UNO Digital Bank) is a Philippine digital-only bank operated by Singapore fintech DigibankASIA / UNOAsia. Founded by Manish Bhai and granted a BSP digital banking licence in 2021, it launched to the public in 2022 as one of the country's six licensed digital banks — and the first new entrant under the framework. The app offers high-interest savings, time deposits, and collateral-free loans, targeting financial inclusion for underbanked Filipinos. Deposits are PDIC-insured up to ₱1 million. · Digital Banking · Savings · Lending · Founded 2021 · Bonifacio Global City, Taguig, Philippines · Series B · ₱2.4B raised - [China Banking Corporation](https://fintech.ph/listing/chinabank): Focused on You · China Banking Corporation (Chinabank, PSE: CBC) is a leading private universal bank in the Philippines, founded in 1920 as the country's first privately owned local commercial bank. A member of the SM Group, it offers deposits, lending, wealth management, trust, treasury, and digital banking to retail, SME, and corporate clients through a nationwide branch network and subsidiaries including China Bank Savings, Chinabank Capital, and Chinabank Securities. In 2025 it posted record net income of about ₱28 billion with total assets of roughly ₱1.8 trillion. · Digital Banking · Business Banking · SME Financing · Founded 1920 · Makati City, Philippines · Public - [CIMB Bank Philippines](https://fintech.ph/listing/cimb-bank-ph): The new era of digital banking · CIMB Bank Philippines, Inc. is a digital-only, mobile-first bank operating under a BSP commercial banking license and a wholly-owned subsidiary of Malaysia's Bursa Malaysia-listed CIMB Group. Launched in 2018–2019 as CIMB Group's first all-digital bank in ASEAN, it lets customers open an account in minutes with no maintaining balance. It has grown to over 10 million customers and ranked #41 on The Asian Banker's World's Top 100 Digital Banks 2025. Products span high-yield savings (incl. the GSave partnership with GCash), time deposits, virtual cards, and consumer loans, often via partner apps like GCash and Lazada. · Digital Banking · Savings · Lending · Founded 2018 · Bonifacio Global City, Taguig, Philippines · Private - [Philippine National Bank](https://fintech.ph/listing/pnb): You First · Philippine National Bank (PNB; PSE: PNB) is one of the country's largest universal banks, founded by the Philippine government in 1916 and historically the nation's de facto central bank until 1949. Privatized in 1989 and now controlled by the Lucio Tan Group (LT Group), it offers consumer and corporate banking, lending, deposits, investments, trust services, and an extensive overseas remittance network for Filipinos worldwide. In 2025 it posted net income of about ₱25.3 billion with total assets of roughly ₱1.37 trillion. · Digital Banking · Business Banking · Remittances · Founded 1916 · Pasay City, Philippines · Public - [GoTyme](https://fintech.ph/listing/gotyme): Banking Made Beautiful · GoTyme Bank is a BSP-licensed digital bank in the Philippines, launched in October 2022 as a joint venture between the Gokongwei Group (JG Summit) and the multi-country digital banking group Tyme. It offers app-based savings accounts, a Visa debit card, stock trading, crypto, remittances, the MoreTyme buy-now-pay-later credit line, and merchant cash advances, supported by in-person onboarding kiosks in Robinsons malls nationwide. It has grown to over 9 million customers and ranks among the country's fastest-growing and most downloaded banking apps. · Digital Banking · Founded 2022 · Quezon City, Philippines · Growth · ₱14.5B raised · ₱87.0B valuation - [DiskarTech](https://fintech.ph/listing/diskartech): The Philippines' first Taglish inclusive digital banking super app · DiskarTech is RCBC's financial-inclusion super app and the Philippines' first all-in-one Taglish (Tagalog-English, with Cebuano) digital banking platform, launched July 1, 2020 to bring sachet banking to unbanked and underbanked Filipinos. It offers basic deposit and regular savings accounts (no maintaining balance), the Pasado Loan of up to PHP 500,000, fund transfers, bills payment, e-load, QR payments, cash-in/out via 100,000+ agents, plus affordable insurance and telemedicine. Deposits are supervised by the BSP and insured by PDIC. The app surpassed 3 million downloads within three months of launch. · Digital Banking · Financial Inclusion · Savings · Founded 2020 · Makati City, Philippines · Public - [MariBank Philippines](https://fintech.ph/listing/maribank-ph): MariBank Philippines is the country's seventh BSP-licensed digital bank, owned by Singapore's Sea Limited, parent of Shopee. Built on the former Rural Bank of Pagsanjan (est. 1965) charter acquired by Sea, it launched as SeaBank in June 2022 and rebranded to MariBank in 2025. The BSP granted its digital banking certificate of authority on 8 July 2026, and it began operating under the upgraded licence on 18 July 2026. It offers a no-maintaining-balance savings account with daily-credited interest, free InstaPay/PESONet transfers, a debit card and loans, and reported ~US$1.16B in assets and 6M customers at end-2025. · Digital Banking · Savings · Financial Inclusion · Founded 1965 · Pagsanjan, Laguna, Philippines · Public - [Zed](https://fintech.ph/listing/zed): The credit you've always deserved · Zed is a credit-led neobank building modern credit products for young Filipino professionals. The Zed Card is a premium no-annual-fee Mastercard with no foreign-transaction fees and an interest-free grace period of up to 31 days. Instead of relying on traditional credit scores, Zed uses AI-driven underwriting that assesses current and potential income to set credit limits — extending access to people often overlooked by banks. Cardholders also get unlimited virtual cards. Zed is the first Philippine neobank licensed by the Bangko Sentral ng Pilipinas to operate as a standalone credit card issuer. · Digital Banking · Lending · Payments · Founded 2023 · Taguig, Metro Manila · Series A · US$23M raised - [Netbank](https://fintech.ph/listing/netbank): Accelerating Filipino Fintech · Netbank (A Rural Bank), Inc. is a Philippine Banking-as-a-Service provider — a BSP-licensed, PDIC-insured rural bank that lets fintechs and businesses embed regulated banking into their products. Through modular APIs (Account-, Collect-, Disburse-, and Lend-as-a-Service), partners across payments, e-commerce, lending, HRIS, and vehicle financing can offer deposits, payments, and loans without holding their own banking licence. Founded in 2019 and launched in 2021, it bills itself as the first fully regulated Filipino bank built to power fintechs. · Fintech Infrastructure · Digital Banking · Payments · Founded 2019 · Manila, Philippines · Series B - [UnionDigital Bank](https://fintech.ph/listing/uniondigital): UnionBank's digital banking subsidiary for the underserved · UnionDigital Bank is the BSP-licensed digital banking subsidiary of UnionBank of the Philippines, the only digital bank in the country established by a universal bank. Granted a digital banking licence in July 2021 and authority to operate in July 2022, it serves underbanked Filipinos through a mobile app offering high-yield savings and time deposits, plus instant UD Cash Loans (up to PHP 30,000, no collateral), QRPh transfers and bill payments. Deposits are PDIC-insured up to PHP 1M. · Digital Banking · Lending · Savings · Founded 2021 · Pasig City, Metro Manila · Private · ₱6.1B raised - [Salmon](https://fintech.ph/listing/salmon): Financing reimagined with smart loans, credit and savings · Salmon is a consumer-finance fintech founded in 2022 by Pavel Fedorov, George Chesakov and Raffy Montemayor, serving underbanked Filipinos. It offers a revolving credit line, installment product loans, motorcycle financing and bank time deposits through the Salmon app. The group operates BSP-licensed Salmon Bank (Rural Bank) Inc. and SEC-licensed Salmon Finance Inc. Its recorded financing history includes a US$30M Series A-2 in October 2024, US$88M in equity and bonds in June 2025, and US$100M in equity and bonds in April 2026. Recorded events total US$234M; this partial history excludes unused bond-program capacity. · Lending · Buy Now Pay Later · Digital Banking · Founded 2022 · Metro Manila, Philippines · Growth · ₱13.3B raised - [OwnBank](https://fintech.ph/listing/ownbank): OwnBank is the digital banking platform of OWN Bank, The Rural Bank of Cavite City, Inc., a BSP-licensed rural bank serving Filipinos for over 60 years. Through its mobile app, customers open a fully online account in minutes with just a smartphone and a valid ID — no minimum balance and no maintaining fees. OwnBank offers high-yield savings and time deposits, free InstaPay and PESONet transfers to any bank or e-wallet, bills payment and mobile load. Deposits are insured by the PDIC up to PHP 1 million per depositor. Backed by regional fintech group Akulaku, it pairs decades of community-banking trust with an app-first experience. · Digital Banking · Savings · Payments · Founded 1956 · Cavite City, Philippines · Private - [Overseas Filipino Bank](https://fintech.ph/listing/ofbank): The first digital-only bank in the Philippines, serving OFWs · Overseas Filipino Bank (OFBank) is the first all-digital, branchless bank in the Philippines and a wholly owned subsidiary of state-owned LANDBANK. Relaunched as a fully digital bank in June 2020, it secured the country's first digital banking license from the Bangko Sentral ng Pilipinas on 25 March 2021, converting from a thrift-bank to a digital-bank licence. OFBank serves Overseas Filipinos, OFWs and their beneficiaries worldwide, using its Digital Onboarding System with AI (DOBSAI) for real-time mobile account opening, plus savings deposits, fund transfers, bills payment, remittances and loans. · Digital Banking · Remittances · Financial Inclusion · Founded 1906 · Manila, Philippines · Government - [PearlPay](https://fintech.ph/listing/pearlpay): PearlPay Inc. is a Philippine fintech founded in 2018 that provides cloud-based digital banking infrastructure to rural banks, microfinance institutions, and cooperatives that serve the country's unbanked rural communities. Built on AWS, its platform spans core banking, agent banking, loan management, a payment gateway, and white-label mobile wallets, letting small banks digitize without heavy on-premise systems. A BSP-registered Operator of Payment Systems, PearlPay also enables merchants to accept interoperable QR Ph payments and partners with institutions including RCBC to extend digital finance to LGUs, schools, clinics, and MSMEs. · Fintech Infrastructure · Digital Banking · Financial Inclusion · Founded 2018 · Taguig City, Philippines · Private - [KAYA Payment Platform](https://fintech.ph/listing/kaya-payment-platform): Kooperatibang may Asenso, Yaman at Abilidad · KAYA is a cooperative-owned, cloud-based payment and digital-banking platform run by the National Confederation of Cooperatives (NATCCO) with the Philippine Federation of Credit Cooperatives (PFCCO). It lets cooperatives and their members transact across branches, a mobile app, ATMs, and EFT-POS terminals — supporting account opening, fund transfers, loan applications and payments, bills payment, mobile top-up, and e-wallet reload. Launched in 2017 and relaunched as KAYA 2.0 in 2021, it has been adopted by 150+ cooperatives with 400+ branches and ATMs nationwide, advancing financial inclusion in the countryside. · Fintech Infrastructure · Digital Banking · Financial Inclusion · Founded 2017 · Quezon City, Metro Manila · Private ## Digital Banking companies in the Philippines Digital-first banks and neobanks offering online banking services Browse digital banking companies with their licences, funding and links to their sites and developer docs. --- From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/category/digital-banking when citing this page.