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10 BEST DIGITAL, MOBILE, AND ONLINE

BANKING SERVICES IN THE PHILIPPINES
We've curated the best online banks in the Philippines and listed down all their best features.
Learn how to open an account now.

BY VENUS ZOLETA (HTTPS://GRIT.PH/AUTHOR/VENUSZOLETA/)

Last Updated on – Sep 2, 2019 @ 5:34 am

Filipinos are the world’s top social media users

(https://www.rappler.com/technology/news/222407-philippines-online-use-2019-hootsuite-we-
( p pp gy p pp
are-social-report), spending the most time online with their smartphones.

Ironically, that can’t be said about online banking in the Philippines, with its slower adoption rate
than its Asian neighbors.

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However, there are opportunities for online banking growth in the country. 

Bangko Sentral ng Pilipinas (BSP) Governor Nestor Espenilla Jr. sees strong demand
(https://www.bworldonline.com/the-philippines-growth-dialogues-unlocking-digital-banking-
opportunities/) from consumers and small-and-medium enterprises for banking innovation.

The digitally savvy young population is also expected to drive the growth of online and mobile
banking in the Philippines.

The latest BSP nancial inclusion survey

 y
(http://www.bsp.gov.ph/downloads/Publications/2017/2017FISToplineReport.pdf) found that
88.5% of Filipino adults don’t have bank accounts. Among the top reasons for not having an
account are long lines in bank branches and inaccessibility of branches and ATMs. 

These ndings are corroborated by a Unisys APAC Banking Insights survey

(https://www.philstar.com/business/banking/2018/03/20/1798341/ lipinos-ready-arti cial-
intelligence-digital-banking-unisys), in which 53% of Filipino respondents said long bank queues
frustrated them the most.

The research notes that Pinoys are open to embracing technological innovations for more
convenient banking.

Online banking and related tech advancements address such pain points by making nancial
services more convenient and accessible to Filipinos.
Contents 
What is Online Banking?
What is Mobile Banking?
What is the Di erence Between Online Banking and Digital Banking?
Pros and Cons of Online Banking and Digital Banking
Online and Digital Banking Advantages
Online and Digital Banking Disadvantages
Top Digital, Mobile, and Online Banks in the Philippines
1. ING Philippines
2. BPI Online and BPI Mobile

3. BDO Online Banking and BDO Personal Banking App

4. UnionBank Online
5. LANDBANK Mobile Banking Application
6. Metrobank Mobile Banking
 7. Security Bank Online
8. OCTO by CIMB Bank
9. GCash Save Money (GSave)
10. MayBank ISave (accessible via MayBank2U app)

What is Online Banking?

Online banking (also called internet banking, electronic banking, or e-banking) is any nancial
transaction performed over the internet through a bank’s website on a desktop computer or
laptop.

To start using an online banking service, customers need to register for an online account with
their bank.

This requires using an ATM/debit card or bank account number and creating a username and
password to access the e-banking facility. 

Once registered, customers can complete bank transactions such as funds transfer and bills
 g p
payment anytime and anywhere without having to go to a physical branch. 

What is Mobile Banking?

Mobile banking enables customers to carry out the same bank transactions with online banking. 

The two services di er in the kind of devices used to access them. Online banking is performed
on desktop devices, while mobile banking is available through either a bank’s mobile website or
mobile app using a smartphone or tablet.

What is the Difference Between Online Banking and

Digital Banking?
An emerging trend in the Philippine banking industry is all-digital banking service. Although it
shares some similarities with online banking, digital banking is a di erent service altogether.

It’s important to understand the di erences between these two kinds of banking service, so you
know your options and decide which one is better for you.

Commercial banks in the Philippines (the most prominent ones being BDO, BPI, and Metrobank)
 pp ( p g )
provide online banking service to their clients whose banking relationship began from a physical
branch.

Although these traditional banks have online banking channels, they operate in physical locations
around the country. Customers still have to visit their branches for account opening, cash and
check deposits, and other transactions that involve large amounts of money. Cash withdrawals
still have to be done via ATMs or over the counter.

On the other hand, banks that o er all-digital banking service operate only over the internet,
which customers access on a mobile app.

Every activity and function—both front-end (what customers see) and back-end processes—is
fully automated using technologies like arti cial intelligence, big data, and analytics. 

Among the digital banking pioneers in the country are ING Philippines and OCTO by CIMB Bank.

Because fully digital banks exist without any physical location and face-to-face interaction with
tellers, they provide customer service through email, chat, or phone.
 yp g p

The automated processes and the absence of brick-and-mortar branches reduce the operational
costs of digital banks. They pass on the resulting savings to customers.

Typically, digital banks don’t require transaction fees, initial deposit, and maintaining balance.
Also, their savings accounts have higher interest rates than those of traditional banks.

These things make digital banking the future of online banking.

However, fully digital banks have limited functions, unlike traditional banks with full-range online
banking services.

With a digital banking service, you can’t open a joint account or a checking account. To deposit or
withdraw cash, you’ll have to do it in another bank or any of the digital bank’s partner outlets.

Related: Best Savings & Time Deposit Accounts from the Top Banks in the Philippines
(https://grit.ph/savings-account/)

Pros and Cons of Online Banking and Digital Banking

Pros and Cons of Online Banking and Digital Banking
Online banking and digital banking share some advantages and disadvantages that Filipino
consumers must know.

Online and Digital Banking Advantages

1. Convenience and Accessibility

Online and digital banking services are available 24/7, except during system maintenance or
upgrade. You can access them at your convenience, whether you’re at home, in the o ce, or on
the go.

This is in stark contrast to physical bank branches. Most of them are open only on weekdays and
certain hours of the day.

A notable feature of some online banking channels is automatic bills payment – including for
government services such as:

Pag-IBIG (https://grit.ph/pag-ibig/)
 g ( p g p p g g )
Philhealth (https://grit.ph/philhealth/)
SSS (https://grit.ph/sss/)
NBI Clearance (https://grit.ph/nbi-clearance/)
Passport Application (https://grit.ph/passport/)
HMOs (https://grit.ph/hmo/)

Enabling this service allows you to schedule your payments for utilities, credit card
(https://grit.ph/credit-cards/) bills, insurance (https://grit.ph/life-insurance/) premiums, and more.
Your account gets automatically charged every month, and you won’t have to miss due dates.

2. Fast and E cient Service

Transactions can be completed over the internet in only 5 to 10 minutes. This saves you a lot of
time compared to over-the-counter transactions.

Especially during peak hours, customers in a bank branch have to wait in line for at least an hour.
You won’t have to deal with that as long as you have an online account with your bank and
internet connection.
3. Ability to Manage Accounts

Keeping track of your bank accounts is just a few clicks or smartphone taps away.

Online banking channels allow customers to view their transaction history anytime from several
months up to the current day.

This feature allows early detection of any suspicious or unauthorized activity, so it can be
reported immediately to the bank.

4. Paperless Statements

Online banking eliminates the need for messy paper statements. You can view your statements
electronically instead.

It’s eco-friendly, too. While still having access to records of all your transactions, getting
electronic statements contributes to paper conservation and zero-waste e orts.

Related: List of Bank Codes (BRSTN) & Swift Codes (BIC) of Philippine Banks
 ( ) ( ) pp
(https://grit.ph/philippine-bank-codes/)

Online and Digital Banking Disadvantages

1. Cybersecurity Threats

This is the biggest concern among Filipinos who are wary of online banking.

Although banks invest in technologies to boost website security, their online banking channels
are still vulnerable to hacking, identity theft, and other fraudulent activities that result in
unauthorized transactions.

It doesn’t help that banks usually take a long time to investigate and resolve customer complaints
on security breaches.

There’s also a need to better educate consumers about protecting their bank accounts against
internet security risks.

2. Internet Issues
For a seamless and hassle-free online banking transaction, a stable internet connection is a must.

With the notoriously poor internet speeds in the Philippines, online banking facilities are
sometimes inaccessible, especially when customers need them the most. 

Adding to this problem are the regular system maintenance activities—sometimes taking longer
than expected—that lead to downtimes and frustrated customers. 

3. Learning Curve

It’s challenging for rst-time and non-tech savvy users (like senior citizens) to learn how to use
online banking channels, especially mobile banking apps.

It takes some time getting used to. This is why some customers prefer to transact face to face
with tellers in bank branches even if the queues get very long.

Related: Top Cashless E-Payment Systems for Merchants & Consumers in the Philippines
 p y y pp
(https://grit.ph/cashless/)

Top Digital, Mobile, and Online Banks in the Philippines

Here are eight of the best banking services in the country based on one or a combination of these
criteria:

Innovative and useful features

Average ratings and number of installs and active users on Apple App Store and
Google Play Store
Awards received in the banking industry

1. ING Philippines

ING is a Dutch nancial services company that started operations in the Philippines in 1997 as a
wholesale lender.
In early 2019, ING Philippines launched its all-digital retail banking services via a mobile app.
The digital bank earned the Best Bank in the World Award in 2017 from the Global Finance
magazine.

Among all the mobile banking apps on this list, the ING Philippines app has the highest rating of
4.3 on both App Store and Google Play Store.

ING Philippines’ Key Features:

Interest rate: 2.5% (10 times higher than typical rates of traditional savings accounts)
No minimum deposit amount and no required maintaining balance
No lock-in period and no service fees
Complete account opening and check deposit via the ING mobile app
Funds transfer via PESONet to any bank in the Philippines

How to Open an ING Account:

1. Download the ING app (on App Store (https://apps.apple.com/ph/app/ing-philippines-

digital-bank/id1440475192) or Google Play Store
 g ) g y
(https://play.google.com/store/apps/details?id=com.ing.asia.mobile&hl= l)).
2. Open the app and tap “Open an Account.”
3. Provide personal information.
4. Take a sel e and a photo of any valid ID.
5. Complete the ID and Birth Information.
6. Enter the mailing address.
7. Input employment, tax, and FATCA
(https://www.irs.gov/businesses/corporations/foreign-account-tax-compliance-act-
fatca) information.
8. Sign on a piece of paper, take a clear photo of the signature, and upload the image on
the app.
9. Con rm information.

2. BPI Online and BPI Mobile

Bank of the Philippine Islands (BPI) is the rst bank in the Philippines and Southeast Asia. It’s also
currently the fourth largest bank in the country
(http //www bsp gov ph/banking/psoc/by ranks/assets htm) in terms of total assets
(http://www.bsp.gov.ph/banking/psoc/by_ranks/assets.htm) in terms of total assets. 

Despite being prone to email phishing in the past and the system glitch in 2017 that a ected
millions of customers, BPI’s online and mobile banking channels are still among the most popular
in the Philippines.

BPI Mobile ranks third among nancial apps (and the top one among mobile banking apps) with
the most active users and number of installs on Android devices, based on SimilarWeb data
(https://www.similarweb.com/apps/top/google/app-index/ph/ nance/top-free) as of July 2019.

BPI recently redesigned its online banking site and mobile app, bee ng them up with new and
unique features such as QR code and e-wallet loading. 

BPI Online/Mobile’s Key Features:

Interest rate: 0.125% – 1.25% (0.25% for most accounts)

Minimum initial deposit: Php 100 – Php 250,000 (except for BPI Padala Moneyger,
which has no required initial deposit)
Minimum maintaining balance: Php 1,000 – Php 250,000 (except for BPI Padala
 g p , p , ( p
Moneyger and Kaya Savings, which have no required maintaining balance)
OTP for logging into an account with a new device and completing transactions
Fingerprint and face recognition for logging in to BPI Mobile app
View account details and electronic statements
Manage card control settings
Bills payment
Fund transfer to own BPI account, other BPI accounts, and accounts with other banks
Create a QR Code for receiving money (instead of giving account number to the
sender)
Transfer via QR Code for sending money (instead of entering the recipient’s account
number)
Prepaid cellphone loading
Reloading e-wallets such as beep card, GCash, PayMaya, Smart Padala, Autosweep
RFID, and Easytrip
How to Open a BPI Account:

1. Visit the nearest BPI or BPI Family Savings Bank branch.

2. Present a valid ID, proof of billing, and 1×1 ID photo.
 p g p
3. Fill out application forms. 
4. Pay the initial deposit, if any. The new account will be activated within 48 hours.
5. Claim the ATM/debit card after seven banking days.

3. BDO Online Banking and BDO Personal Banking App

Banco de Oro (BDO) is the Philippines’ largest bank and the rst one to hit the Php 3 trillion mark
in total assets.
This full-service universal bank is part of the SM Group, one of the biggest and most successful
conglomerates in the Philippines. 

BDO’s mobile app ranks second among mobile banking apps with the highest number of installs
and active Android users in the Philippines. 

BDO Online Banking’s Key Features:

Interest rate: 0% to 1.25% (0.25% for most accounts)

Minimum initial deposit: Php 100 – Php 50,000
Minimum maintaining balance: Php 100 – Php 50,000
OTP for accessing account and completing transactions
Quick Links for better site navigation
Check account balance and transaction history
Fund transfer to own account, another person’s account, and non-BDO accounts
 , p ,
Bills payment with an option to pay bills all at once
Prepaid cellphone loading
Reloading BDO Cash Cards
Lock or unlock ATM card

How to Open a BDO Account:

1. Visit the nearest BDO branch.

2. Present two valid IDs.
3. Fill out application forms. 
4. Have photo taken via webcam.
5. Pay the initial deposit.
6. Claim the ATM card and/or passbook after seven banking days.

4. UnionBank Online
UnionBank, owned mostly by conglomerate giant Aboitiz, has received numerous awards for
pioneering and innovating online banking in the Philippines.
In recent years, UnionBank won the best digital bank distinction multiple times from di erent
award-giving bodies.

Its innovative banking solutions include EON, a fully digital banking service (the rst of its kind in
Southeast Asia) that introduced sel e banking through facial recognition technology for account
opening, accessing one’s online account, and loan application. 

Also worth noting is UnionBank’s Rafa chatbot (https://www.facebook.com/TalktoRafa/), the rst

of its kind in the Philippines, that responds to questions and ful lls requests from clients. 

In late 2017, UnionBank opened the Philippines’ rst fully digital bank branch called The Ark that
enables customers to perform bank transactions using touchscreen TVs or tablets. The digital
branch eliminates long lines and face-to-face interactions with tellers.

According to UnionBank, 80% of all its customers’ transactions are done through its online
banking channels.

UnionBank Online’s Key Features:

 y

Interest rate: 0.10%

Minimum initial deposit: Php 10,000 for Regular Savings Account and $500/$10,000 for
Dollar Accounts (except for UnionBank Personal Savings Account, which has no
required initial deposit)
Minimum maintaining balance: Php 10,000 for Regular Savings Account and
$500/$10,000 for Dollar Accounts (except for UnionBank Personal Savings Account,
which has no required maintaining balance)
OTP for bills payment and fund transfer transactions
Fingerprint login
Check account balance
Fund transfer to all major local banks
Bills payment
Prepaid loading

How to Open a UnionBank Account:

1. Go to the nearest or preferred UnionBank branch.

2. Present at least two valid IDs.
 3. Complete all application forms.
4. Pay the initial deposit, if any.
5. Claim the ATM card or passbook after ve banking days.

5. LANDBANK Mobile Banking Application

Land Bank of the Philippines or LANDBANK is the Philippine government’s nancial institution and
the largest formal lender in the provinces.

It’s also one of the top ve commercial banks in the country in terms of assets, deposits, and
loans.

The state-run bank has an online banking channel and a mobile banking app, which has a high
average rating of 4.2 on Google Play Store and a passing rating of 3.3 on App Store.

The LANDBANK app also ranks third among Philippine mobile banking apps with the highest
 pp g pp g pp g
number of active users and installs on Android devices.

Land Bank Mobile Banking’s Key Features:

Interest rate: 0.10%

Minimum initial deposit: Php 500 – Php 20,000
Minimum maintaining balance: Php 500 – Php 20,000
View account balance and transaction history
Fund transfer to own account, another person’s LANDBANK account, and other bank
accounts
Bills payment
Lock or unlock ATM Card
OTP for authorizing fund transfer to LANDBANK accounts and other bank accounts
Biometric login through ngerprint authentication or facial recognition

View foreign exchange rates and unit investment trust fund (UITF)
(https://grit.ph/mutual-funds/) rates
ATM/Branch locator
How to Open a LANDBANK Account:

1. Visit the nearest LANDBANK branch.

2. Submit at least one valid ID, two 1×1 ID pictures, and proof of billing
3. Fill out application forms.
4. Pay the initial deposit.
5. Claim the ATM card. Passbook can be claimed on the release date given by the account
o cer.

6. Metrobank Mobile Banking

Metrobank, the second largest bank in the Philippines, provides full-range banking services.

The Ty family—with business interests in nancial services, power, real estate (https://grit.ph/real-
estate/), and manufacturing—owns the majority of Metrobank.

Metrobank has an online banking facility, Metrobankdirect, as well as a mobile banking app that
 g y g pp
currently has high average ratings on Google Play Store (4.0) and App Store (3.8).

Metrobank Mobile Banking’s Key Features:

Interest rate: 0.25%

Minimum initial deposit: Php 100 – Php 50,000
Minimum maintaining balance: Php 100 – Php 50,000
OTP for every new device used and certain transactions
Check account balance and details
Fund transfer
Send and receive money using mobile numbers (no need to enter account numbers)
Bills payment
Prepaid loading
View forex rates and nancial and stock market news

Car and home loan application form and online calculator

Branch locator

How to Open a Metrobank Account:

 1. Fill out and print the customer information form that can be downloaded from the
Metrobank website.
2. Visit the nearest Metrobank branch.
3. Submit the accomplished form.
4. Pay the initial deposit.
5. Present a valid ID. 
6. Claim the ATM card within a week or the passbook right away.

7. Security Bank Online

Security Bank was the rst private and Filipino-controlled bank during the post-World War II era.
Now, it’s one of the largest and most innovative universal banks in the Philippines.

For its banking innovations, Security Bank bagged the Best Digital Bank award from Capital
Finance International in 2017.

Two of its best services are the Human Switch Kit and Online Account Application that make
 pp
account opening faster and more convenient.

Security Bank is also one of the few traditional banks in the Philippines that o er an online-only
savings account.

Its eSecure Online Savings Account has an annual interest rate of 0.50% to 1.20% and low
maintaining balance of Php 500.

Security Bank Online’s Key Features:

Interest rate: 0.10% – 1.20%

Minimum initial deposit: Php 100 – Php 10,000 / $500 for dollar and third-currency
accounts

Minimum maintaining balance: Php 500 – Php 25,000 / $500 for dollar and third-
currency accounts
Quick login through ngerprint authentication
eGiveCash for sending money through SMS
 g y g
Fund transfer
Bills payment
Prepaid loading
Lock or unlock ATM and PIN
UITF subscription and redemption
Forex transactions
Locate ATMs and branches

How to Open a Regular Security Bank Account:

Via Online Account Opening Service

1. Fill out an online account opening form on the Security Bank website
(https://www.securitybank.com/).

2. Check the reference number sent via SMS.

3. Go to the nearest Security Bank branch.
4. Pay the initial deposit.
Via Human Switch Kit 

1. Complete the Switch Kit form on the Security Bank website.

2. Wait for a message or call for an appointment schedule with a bank representative.
3. Prepare a photocopy of any valid ID.
4. Meet with the Security Bank representative who will assist in account opening. 
5. Turn over the photocopy of ID for submission to the bank.
6. Wait for the representative to deliver the ATM card and/or passbook. 

How to Open a Security Bank eSecure Savings Account:

1. Log in to Security Bank Online account

(https://securitybankonline.securitybank.com/login/).
2. Select eSecure Savings.
3. Click open eSS account.
4. Complete and submit the online form.
8. OCTO by CIMB Bank
CIMB Bank is a Malaysian lender with more than 1,000 branches in Southeast Asia. It started its
operations in the Philippines in January 2019 and positions itself as an all-digital mobile- rst bank.

Like the ING app, the OCTO by CIMB Bank app allows customers to perform banking transactions
on their smartphones.

Cash deposits can be done online, while withdrawals are possible through 20,000+ ATMs and
8,000+ partner outlets such as 7-Eleven stores nationwide. 

OCTO’s Key Features:

Interest rate: 0.50% to 2.50% (Two to 10 times higher than typical rates of traditional
savings accounts)

No minimum deposit amount and no required maintaining balance

No lock-in period and no service fees
Complete account opening via the OCTO by CIMB Bank app
Sel e Check for identity veri cation through facial recognition 
 y g g
Fund transfer
Bills payment
Over-the-counter or online deposit
Personal loan application
Prepaid loading

How to Open a CIMB Bank Account:

1. Download the OCTO by CIMB Bank app on App Store

(https://apps.apple.com/ph/app/octo-by-cimb-ph-mobile-bank/id1385393720) or
Google Play Store (https://play.google.com/store/apps/details?
id=com.CIMB.OctoPH&hl= l).
2. Open the app.
3. Choose a digital savings account (Fast Account/Upsave Account).

4. Fill out the Sign Up form.

5. Enter the OTP sent via SMS.
6. Create a password for the online account. 
7. Provide the required additional details.
 q
8. Upload a photo of any valid ID.
9. Create a digital signature.
10. Go through the Virtual Veri cation process via a video call with an agent.
11. Receive the account details on the app.
12. Check email and click on the veri cation link to con rm email address.

9. GCash Save Money (GSave)

GSave (https://www.gcash.com/save-money/) is a digital savings account that is accessible via
the popular GCash app. Globe Philippines partnered with CIMB Bank for this project.

Since GCash already has a signi cant user base, they’re looking to capitalize on it and help ll in
the gap between banked and unbanked Pinoys. 
Key Features:

Interest Rate: 3% introductory rate until Dec 2019

NO Minimum Initial Deposit
 p
NO Minimum maintaining balance
Easy viewing and access to account balance and transaction history via the GCash app
Easy transfer of money between GCash and GSave
Easy sign-up via the GCash app (requires full veri cation as GCash user)
Maximum deposit amount of Php100,000

According to CIMB Bank’s website (as of August 2019), they will be rolling out the following
features in the future:

Ability to access to view and maintain your GSave account through the OCTO app
(CIMB Bank’s own mobile app)
Ability to deposit and withdraw through any of the 8,000+ CIMB Partner locations
nationwide.
Ability to make online transfers between CIMB accounts.

How to Open a GSave Account:

1. Install the GCash app on your smartphone

2. Have your credentials fully veri ed (submit all the necessary requirements)
 y y ( y q )
3. Once done, tap the “Save Money” icon within the GCash app
4. Register to open a GSave account
5. Start depositing funds from your GCash balance

10. MayBank ISave (accessible via MayBank2U app)

ISave (https://www.maybank.com.ph/en/personal/move/isave.html) is MayBank’s online-only
savings account that customers can set up and use via the MayBank2U PH app. 

Key Features:

No initial deposit
No maintaining balance
Earns interest of 0.25% p.a. at an average daily balance of at least PHP 20,000
Free withdrawals in any ATM in the Philippines

Free withdrawals in any Maybank ATM in Malaysia, Singapore, and Cambodia

Maximum deposit amount of Php100,000

How to Open a MayBank ISave Account

 1. Install the MayBank2U PH app on your smartphone
2. Open the Maybank2U PH App
3. Click “Get Started” and click “Open iSave icon”.
4. Fill up the required basic information, and select your preferred Maybank branch.
5. Review your application details and agree on Terms and Conditions.
6. Take a photo of any of the required valid IDs together with a specimen signature on a
piece of paper, and take a sel e.
7. Click Submit documents. 

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You can make deposits into your ISave account via the following methods:

Over the counter through MayBank branches

Interbank transfer
GCash bank transfer
Deposit outlets like 7-11, USSC, Tambunting Pawnshop, RD Pawnshop, and others.
 p , , g p, p,

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About Venus Zoleta

Venus Zoleta is an experienced writer and editor, specializing in personal nance and
digital marketing. Hoping to retire early, she started investing and bought a home in
her early 20s This crazy cat mom eats ramen like there's no tomorrow Stalk her on LinkedIn
her early 20s. This crazy cat mom eats ramen like there s no tomorrow. Stalk her on LinkedIn.

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