Source: https://fintech.ph/listing/ownbank

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# OwnBank

[Digital Banking](https://fintech.ph/category/digital-banking) [Savings](https://fintech.ph/category/savings) [Payments](https://fintech.ph/category/payments) [Financial Inclusion](https://fintech.ph/category/financial-inclusion)

[Visit website](https://www.ownbank.com/)

- **Founded**: 1956
- **Headquarters**: Cavite City, Philippines
- **Stage**: Private
- **Licences**: 2. BSP

## Overview

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.

### Products

- OwnBank Mobile Savings
- Own It (daily-interest savings)
- Time Deposit
- InstaPay/PESONet transfers
- Bills payment

### Serves

Consumers

## Funding and ownership

Stage

Private

Parent organisation: Akulaku

### Investors and shareholders

Akulaku

## People

- Jose Mari Cagurangan President & CEO

## Licences and certifications

- BSP rural-bank licence [Check: OwnBank ranks among top rural banks in BSP's 2024 list](https://insiderph.com/ownbank-ranks-among-top-rural-banks-in-bsps-2024-list)
- BSP Electronic Payment & Financial Services (EPFS) licence [Check: BSP directory of banks and financial institutions](https://www.bsp.gov.ph/SitePages/FinancialStability/DirBanksFIList.aspx)
- PDIC member (deposits insured up to PHP 1M) Certification

Something out of date? [Suggest a correction](https://fintech.ph/contact)

## Contact and links

[ownbank.com](https://www.ownbank.com/)

- [x](https://twitter.com/OwnBankPH)
- [facebook](https://www.facebook.com/OwnBank)
- [linkedin](https://www.linkedin.com/company/ownbank)
- [instagram](https://www.instagram.com/ownbank)

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[More in Digital Banking](https://fintech.ph/category/digital-banking)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/ownbank when citing this page.