Licence · 9 companies

    BSP universal banks

    Universal banks hold the broadest BSP bank licence. Besides deposits and loans, they can underwrite securities and invest in businesses outside banking. Check the official list
    B

    BDO Unibank

    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.

    1968 · Makati City, Philippines · Public

    Digital BankingBusiness BankingLending
    B

    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.

    1851 · Makati City, Philippines · Public

    Digital BankingBusiness BankingLending
    C

    China Banking Corporation

    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.

    1920 · Makati City, Philippines · Public

    Digital BankingBusiness BankingSME Financing
    L

    Land Bank of the Philippines

    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.

    1963 · Manila, Philippines · Government

    LendingDigital BankingBusiness Banking
    M

    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.

    1962 · Bonifacio Global City, Taguig, Philippines · Public

    Digital BankingBusiness BankingWealth Management
    P

    Philippine National Bank

    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.

    1916 · Pasay City, Philippines · Public

    Digital BankingBusiness BankingRemittances
    R

    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).

    1960 · Makati City, Philippines · Public

    Digital BankingBusiness BankingLending
    S

    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.

    1951 · Makati City, Philippines · Public

    Digital BankingBusiness BankingLending
    U

    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.

    1968 · Ortigas Center, Pasig City, Philippines · Public

    Digital BankingBusiness BankingPayments

    From the licences each company lists on fintech.ph. Always confirm with the regulator before you sign up.