UNOBank interest rates
UNOBank's best account for ₱100,000 is #UNOboost Time Deposit (12 months) at 5.50% a year (UNOBank rate page, as listed on October 2, 2026). Left for a year, ₱100,000 earns ₱4,400.00 after the 20% final tax, 1st of the 18 banks on this site.
Our take: worth it for money you want to grow; it is in the top 3 on this site for ₱100,000. Choose the #UNOboost Time Deposit if you will not need the money for 12 months: it pays ₱1,563.79 more than #UNOready Savings. If you might, stay in #UNOready Savings.
No bank pays to appear here or to change its position.
Licensed by the BSP as a digital bankUNObank, Inc. (BSP short name UBI) is on the BSP's list of supervised institutions as a digital bank with 1 office, and its deposits are insured by the PDIC up to ₱1,000,000 per depositor. BSP Verifier, Institutions list updated September 28, 2026
Next: see what you need to open an account, then open #UNOboost Time Deposit from UNOBank's own #UNOboost Time Deposit page or the bank’s official app.
Interest calculator, after tax
- Interest you keep, after 20% final tax
- ₱4,400.00
- Gross interest
- ₱5,500.00
- Final tax withheld (20%)
- ₱1,100.00
- Rate used
- 5.50%
- Balance at the end
- ₱104,400.00
Time deposit: simple interest for 12 months (365 days over 365), paid at maturity.
Worked example, #UNOboost Time Deposit, 12 months: ₱100,000 × 5.50% (UNOBank rate page, as listed on October 2, 2026) × 365 days ÷ 365 = ₱5,500.00 gross. Less the 20% final tax (₱1,100.00; RA 12214, BIR RR 21-2025 from July 1, 2025) = ₱4,400.00 you keep. Compare it with every bank's rate for the same term in time deposit rates.
The 20% final tax applies from July 1, 2025 under Sections 24(B)(1) and 25(A)(1) of the Tax Code, as amended by RA 12214 (Capital Markets Efficiency Promotion Act) (BIR, RR 21-2025). It replaced the old exemption for deposits of five years or more; see the final withholding tax and time deposit vs MP2 after tax.
What you need to open an account
- UNObank applicants must be resident Filipino citizens aged at least 18 with a Philippine address. bank page
- You need one valid government-issued ID, an email address and a local Philippine mobile number, and must not be subject to FATCA. bank page
- Accepted IDs are PhilSys ID, ePhilID, UMID, passport, driver's license, PRC ID, SSS ID and PhilHealth ID. bank page
- The account is opened in the UNO mobile app with no initial deposit and no maintaining balance. bank page
Published rates, account by account
#UNOready Savings
1.00% to 3.50% a year, gross3.00% for balances from ₱0.01 to ₱4,999.99, 3.50% from ₱5,000 to ₱4,999,999.99, and 1.00% at ₱5,000,000 or higher, gross per annum.
Interest is computed on the end-of-day balance and credited daily.
| Balance | Rate a year |
|---|---|
| ₱0 to ₱4,999 | 3.00% |
| ₱5,000 to ₱4,999,999 | 3.50% |
| ₱5,000,000 and up | 1.00% |
As listed on UNOBank's rate page on October 2, 2026. UNOBank
#UNOboost Time Deposit
4.00% to 5.50% a year, gross5.50% for 12 months, 4.50% for 10 and 11 months, 4.25% for 8 and 9 months, 5.00% for 6 and 7 months, 4.00% for 4 and 5 months, 4.50% for 3 months.
| Term | Any amount |
|---|---|
| 3 months | 4.50% |
| 4 months | 4.00% |
| 5 months | 4.00% |
| 6 months | 5.00% |
| 7 months | 5.00% |
| 8 months | 4.25% |
| 9 months | 4.25% |
| 10 months | 4.50% |
| 11 months | 4.50% |
| 12 months | 5.50% |
#UNOearn Time Deposit (monthly payout)
4.75% to 5.00% a year, gross5.00% for a 24-month term, 4.75% for a 12-month term.
Interest is paid out monthly to your
| Term | Any amount |
|---|---|
| 12 months | 4.75% |
| 24 months | 5.00% |
Every bank's time deposit rates side by side: time deposit rates.
Maintaining balance, interest and fees
| Account | Opening deposit | Maintaining balance | Earns interest from |
|---|---|---|---|
| #UNOready Savings | Not on UNOBank's rate page | Not on UNOBank's rate page | The first peso |
| #UNOboost Time Deposit | Not on UNOBank's rate page | Not applicable | The first peso |
| #UNOearn Time Deposit (monthly payout) | Not on UNOBank's rate page | Not applicable | The first peso |
- When interest is paid#UNOready Savings interest is computed on the end-of-day balance and credited daily; the smallest credit is ₱0.01. #UNOearn pays its interest monthly into your #UNOready account. bank page At maturity, #UNOboost and #UNOearn time deposits can be rolled over from the Maturity Instructions in the UNO app. bank page
- TaxUNOBank withholds 20% of the gross interest each time it credits interest, so the amount you see is already net. Since July 1, 2025 (RA 12214; BIR RR 21-2025) this applies to every deposit term and to dollar deposits too. The deposit itself is not taxed.
Transfer fees
| InstaPay, personal | ₱5.00 in the BSP summary |
|---|---|
| PESONet, personal | Free |
| InstaPay, business | ₱5.00 |
| PESONet, business | Free |
As disclosed to the BSP, as of August 31, 2026. Moving money in or out: compare InstaPay and PESONet fees across banks.
Is your money insured?
The PDIC insures deposits up to ₱1,000,000 per depositor, per bank, effective March 15, 2025, set by the PDIC Board under the PDIC Charter (RA 3591, as amended by RA 11840). All your UNOBank accounts in your own name are added together; anything above ₱1,000,000 there would not be insured if the bank closed. ₱1,500,000 kept as ₱1,000,000 at UNOBank and ₱500,000 at another bank is fully insured; the same ₱1,500,000 at UNOBank alone leaves ₱500,000 uninsured. PDIC
- Your single accounts and accounts held "by", "in trust for" or "for the account of" you at the same bank are added together as one.
- A joint account is insured separately from your single accounts, whether it uses "and", "or" or "and/or".
- Unless the account documents say otherwise, a joint account's insured amount is split equally among the co-owners.
- Your shares across several joint accounts at the same bank are added together and insured up to the maximum.
- Any loan you owe the closed bank is deducted from your deposits there.
- Investment products such as bonds, securities and trust accounts are not deposits and are not insured.
Rules from the PDIC deposit insurance brochure. Work out your own cover, joint accounts included, in the PDIC deposit insurance calculator.
On the BSP register
- Registered name
- UNObank, Inc.
- BSP category
- Digital bank
- Head office
- Unit 2001, The Finance Centre, 26th Street corner 9th Avenue, Bonifacio Global City, Taguig City, Metro Manila 1634
- Offices
- 1
- President and Chief Executive Officer
- Mr. Manish Bhai
- Website
- uno.bank
Not covered here: business, joint-trust and dollar accounts, and loans. For a problem with a UNOBank account, complain to UNOBank first, then to the BSP (BOB chatbot on bsp.gov.ph or consumeraffairs@bsp.gov.ph) under RA 11765; if the bank closes, claims go to the PDIC.
What to do next
- Open or check the account on UNOBank's own site, and confirm the rate on your amount there before you deposit; banks change rates without notice.
- Compare the same amount across all 18 banks and 50 accounts in the time deposit and savings calculator.
- Holding more than ₱1,000,000? Split it across banks and check the result in the PDIC deposit insurance calculator.
Questions
Is UNOBank safe?
The BSP Verifier list updated September 28, 2026 has UNObank, Inc. as a digital bank, so its deposits are PDIC-insured up to ₱1,000,000 per depositor, per bank, effective March 15, 2025. BSP Verifier
Do I declare UNOBank interest on my income tax return?
No. Since July 1, 2025, the 20% that UNOBank withholds is a final tax under RA 12214 and BIR RR 21-2025, so the interest is not added to your taxable income. BIR, Revenue Regulations No. 21-2025 digest
What if UNOBank closes?
File your deposit insurance claim with the PDIC within 2 years (24 months) of its takeover of the bank; its hotline is (02) 8841-4141 or (02) 8841-4000; toll free 1-800-1-888-7342 (1-800-1-888-PDIC); pad@pdic.gov.ph. source