uno digital bank dialogue two bubble faqs

Frequently Asked Questions

For any concern or if you’re just curious, feel free to ask away! If your question is not here, you may contact us by sending us an In-App Message in the UNO app.

Who is UNO Digital Bank?

UNO Digital Bank (“UNO”) is one of the the first neobanks to get an outright digital banking license in the Philippines. UNO is supervised by the Bangko Sentral ng Pilipinas (BSP) and has its deposits  insured by the Philippine Deposit Insurance Corp (PDIC).

 

Through the UNO Mobile App,  you have easy access to our banking products and services. As a full spectrum digital bank,  all our processes are done digitally, end-to-end, which makes delivery of services unconstrained by physical branches.

Where can I download the UNO Mobile App?

You may download the UNO Mobile App from either the Apple App Store or the Google Play Store.

What are the minimum operating system (OS) requirements to download the UNO Mobile App?

For iPhone users, the minimum supported software system is iOS 13.00. For Android users, the minimum supported OS is Android OS 7.00

What are the minimum hardware requirements to use the UNO Mobile App on my smartphone / mobile?

A front-facing camera is essential for your phone to have. In addition, it is recommended that you have at least 3GB of RAM on your phone.

Why is the UNO Mobile App requesting permission to access my Location, Contacts List, Camera, and Photos?

To successfully function, the UNO Mobile App requires access to your location, contacts list, camera, and photos.

 

For security reasons, your location and camera are used. Fund transfer recipients are chosen from your contacts list. Your camera and images are used to personalize your account.

Who can register as an UNO Mobile App user?

Anyone who meets the following qualifications can register:

– Resident citizen of the Philippines

– At least 18 years old

– With a present and/or permanent address in the Philippines

– With at least one (1) valid government-issued identification document (ID)

– With a valid email address

– With a valid local Philippine mobile number

– Is not subject to Foreign Account Tax Compliance Act

How to register?

To register, simply:

– Download and install the UNO Mobile App.

– Have your valid ID ready.

– Register by going through the onboarding process

What are the IDs allowed to onboard?

You need to ready ANY of the following IDs to complete the onboarding process:

– PhilSys ID

– ePhilID*

– Driver’s License

– Passport (new and old version)

– UMID

– PhilHealth ID

– PRC ID

– SSS


*Note: For a straight through flow and real-time onboarding, we encourage you to use any of the IDs listed here other than your ePhilID. However, if you have no other valid ID aside from ePhilID, you can personally visit the UNObank office and our Customer Happiness Specialists will assist you with manual onboarding. Requirements are the following:

  1. Ensure your mobile device and number to be registered with UNObank is with you or at hand at the time of visit.
  2. Bring a clear printed copy of your ePhilID or your ePhilID (electronic).

UNObank office is open from Mondays to Fridays, 9am to 6pm.

How do I submit documents / IDs?

To ensure that the documents / IDs you submit are acceptable:

– Do not use a camera flash to avoid taking a bright photo.

– Do not cover any part of your document / ID.

– Make sure the whole document / ID is within the frame.

I uploaded a valid ID during the registration process, but my name is not being scanned properly. What should I do?

Please call UNO Customer Happiness Team at +632 8811 8866 or +63 919 0599866 during our business hours of 6am to 10pm – Mondays to Sundays so you may be assisted with your registration.

What is a Selfie Check? Why is it needed? How do I do it properly?

The law requires that banks like UNO conduct due diligence prior to starting a relationship with a new customer. This is to ensure that banks are not used as instruments for money laundering activities. Your face is key to validating your identity and account ownership through the Selfie Check (facial recognition security feature that also confirms liveness). As such, please ensure the following:

– Before taking a selfie, remove your glasses and / or hat and avoid excessive backlighting. 

– To capture your selfie automatically, frame your face inside the oval and position your device at eye level while looking directly at the camera.

– Verify that your eyes are open. 

– Confirm that you are satisfied with the capture. Otherwise, you may choose to retake.

Why doesn’t my camera work when I am doing my registration?

It is because you have not granted permission for the UNO Mobile App to use your phone’s camera. You can go to your phone settings to grant camera permission to the UNO Mobile App.

Will my password be invalidated / account be locked?

For your own protection, UNO can invalidate your Password or lock your account or UNO Mobile App without prior notice:

– if your Password does not comply with the security requirements of UNO

– if the wrong Password is entered for 3 times

– if you report that you suspect any unauthorized use of your account or the UNO Mobile App; or

– if you do not comply with the due diligence requirements, or pass screening requirements of UNO.

Can I reset my UNO Mobile App password and passcode?

You may reset your password and passcode. However, you will be required to set up a new password and perform a Selfie Check.

How can I upload a profile photo?

You may upload a photo in the User Profile portion of the UNO Mobile App. Remember that the photo you upload will be visible to other UNO Mobile App users and customers, especially when you perform transactions that involve them such as Send Money.

How can I login to my UNO Mobile App?

You can login to your UNO Mobile App via:

– Password

– Fingerprint verification / Touch ID (Android phones)

– Facial recognition / Face ID (iOS phones)

Touch ID and Face ID can be enabled once registration is successfully completed.

I cannot login to my UNO Mobile App using touch / face ID. What should I do?

You can login using your password in the meantime. After resetting Touch ID / Face ID on your device, reinstall the UNO Mobile App to try again.

 

Please note that you will once again need to set a new password and passcode, and perform face identity liveness check for security purposes.

How can I logout from the UNO Mobile App?

You will be logged out automatically when your application has been idle for 4:30 minutes (4 minutes and 30 seconds). If you want to log out completely from the UNO Mobile App, you may also tap the logout icon.

Can I login from another device?

Yes, you can. However, you may only access the UNO Mobile App and your UNO Account from 1 device at any given time.

What do I see when I login to the UNO Mobile App?

Upon successful login, you will be directed to the Dashboard. This is the main screen of the UNO Mobile App which gives you an overview of your accounts. It also houses the important features and functionalities you may use in doing your day-to-day transactions.

 

Where can I find my #UNOready account number?

You can find your #UNOready account number as soon as you log in to the UNO Mobile App.

 

accounts faqs unoready account number 
What can I use my #UNOready (Savings) Account for?

You can receive money, send money, pay bills, and open time deposits. You may also pay for online purchases using your virtual card.

What are the fees and charges I should expect?

Opening an #UNOready Account doesn’t come with a fee. However, there are certain transactions that have charges. Tap here to view the full table of fees and charges.

 

Funds TransferChannelFee
UNO Digital BankIntrabankFREE
Other BanksInstaPayPHP 8.00*
PESONetFREE

*Effective July 17, 2024. Subject to BSP approval.

Is my money in UNO guaranteed by PDIC?

Yes. Deposits are insured by PDIC for up to Php500,000 per depositor. This means that your combined balance in all your accounts is insured up to Php500,000.

What is a Time Deposit?

A Time Deposit is a form of savings-investment in which you keep a certain amount of money for a fixed period of time in exchange for high interest. You can only maximize your interest if you do not withdraw the funds from your term deposit account unless it has reached maturity.


Tap here to view the latest Time Deposit interest rates.

What are the available Time Deposit Products?

The available Time Deposit products are as follows:

– #UNOboost, a High-Rate Time Deposit which pays out interest earnings upon maturity

– #UNOearn, an Income Time Deposit which pays out interest earnings on a monthly basis

How do I open a Time Deposit?

Simply login to your UNO Mobile App. From your dashboard, tap the My Accounts > Add Account > Add Time Deposit. Input your investment amount, desired investment period and done!

Your UNO Time Deposit Account will get funds from your #UNOready Account, so make sure it has sufficient balance.

What are the available terms for a Time Deposit?

You have 2 sets of term options to choose from depending on the time deposit product that you choose:

– #UNOboost – any term between 3 to 12 months

– #UNOearn – 12 and 24 months

Do I need to open a Time Deposit account every time each account matures?

Yes, you need to open a new Time Deposit account every time your existing Time Deposit account matures.

How much can I put in a Time Deposit?

You can put any amount between Php5,000 to Php500,000 per Time Deposit account, and you may open up to five (5) Time Deposit accounts.

Can I withdraw from my UNO Time Deposit?

Ideally, you cannot (must not) withdraw the funds from your time deposit account unless it has reached maturity, to maximize interest earnings. If you really need the funds, early withdrawal of the Time Deposit prior to maturity may incur certain charges, including a Documentary Stamp Tax (DST) charge, penalty charge and an adjustment in interest rates.

 

Early withdrawal of the Time Deposit can only be made for the full amount of the Time Deposit. Partial withdrawals are not allowed.

How far back can I view my transaction history in the UNO Mobile App?

You can view your transaction history as far as the last 3 months. If you need to view older transactions, you may refer to your Statement of Account.

How can I Add Money to my #UNOready Account

    1. Log in to the UNO App

    2. Tap “Add Money”

a. Choose between Online or Over-the-Counter.

b. Online → Direct online transfer from your BPI account within your UNO Mobile App

c. Over-the-counter → Over-the-counter transactions through our partner payment channels. You can check the complete list in the UNO Mobile App.

Alternatively, you can add money to your #UNOready account through PESONet or Instapay transfers from other bank accounts or e-wallets.

Who is Brankas? What does it do?

Brankas is one of our partners who connects UNO to other banks / financial institutions to facilitate seamless transfers and payments within their network

I did an Add Money transaction but my account balance has not increased. What must I do?

Please contact our Customer Happiness hotline at +632 8811 8866 or +63 919 0599866 during our business hours of 6 AM to 10 PM, Monday to Sunday, or send us a message via the UNO In-App Message.

Why am I not getting an OTP for my Add Money transactions?

Add Money (Online option) does not require OTP from UNO, however, once logged in to the partner bank, the other bank may require extra authentication.


Add Money (OTC option) no longer requires for an OTP. The requirement now with the new app version is via PASSCODE and/or BIOMETRICS

How much can I transfer from my other bank account/s to my #UNOready Account?

Banks differ in daily transfer and transaction limits, and you may directly confirm these limits from them. It’s advisable that before doing an Add Money transaction via online banking, you first check the actual available amount you can still transfer.

I tried to add an amount within my bank's published limit, but my attempt is still unsuccessful. What else can I do?

Contact your bank (source account) if the amount you are transferring is not debited from your account balance. Otherwise, you may contact our Customer Happiness at +632 8811 8866 or +63 919 0599866 during our business hours of 6am to 10pm – Mondays to Sundays or send us a message via the UNO In-App Message.

How do I send money from my UNO account to another UNO account?
  1. Go to Send Money
  2. Tap OTHER UNO ACCT
  3. Tap on Add Recipient
  4. Tap ACCOUNT NO or MOBILE NO, then enter the recipient’s Account Number or Mobile Number
  5. Enter the amount to be sent
  6. Tap Continue, review the Transfer Details, then tap continue again to proceed with the transfer.
How do I send money from my UNO account to another bank account or e-wallet?
  1. Go to Send Money
  2. Tap OTHER BANKS if sending money to a non-UNO account
  3. Tap on Add Recipient
  4. You can choose to transfer to your Beneficiary List or manually key in the account details:

a. Tap ACCOUNT NO, then select the recipient’s bank name

b. Enter the recipient’s Account Number and Account Name

c. Enter the amount to be sent

d. Choose mode of Transfer

i. For instant transfers up to PHP 50,000 (fifty thousand), choose InstaPay.

ii. For batch transfers up to PHP 500,000 (five hundred thousand), choose PesoNet (coming soon). Transfers will take up to one banking day.

e. Tap Continue, review the Transfer Details, then tap Continue again to proceed with the transfer.

How can I keep track of the successful transaction?
To check if the transaction is successful, go to the Transaction History:
1. Tap the > button located on the right side of the Available Balance, then click on VIEW MORE right beside Recent Transactions.
2. Set the time period that covers all the transactions.
3. Click Submit.
Do I need to define all the required details each time I do Send Money?
For your convenience, you may predefine the details of your recipient/s, especially those that you will be sending money to regularly. To do this:

1. Go to the MENU button found on the lower right of the screen, then tap Manage My Beneficiaries

2. Choose the type of account: UNO Account or Other Banks

3. Tap the ADD (+) button located at the bottom right of the screen

4. Input the required details, then tap Next.

5. Enter your biometrics or passcode to confirm.

How do I manage my Beneficiary List?
While you’re inside the Manage My Beneficiaries screen, you can do the following activities:
  • Search Beneficiary, to make it easier especially if you have registered various beneficiaries
  • Edit Beneficiary Details (Tap on the Beneficiary, then select Edit)
  • Delete Beneficiary, for those you don’t foresee doing Send Money transactions in the future (Tap on the Beneficiary, then select Delete)
  • Send Money, directly to the beneficiary, without the need to go back to the Dashboard (Tap on the Beneficiary, then select Send Money)
What’s the maximum amount for Send Money?

Financial Transaction 

Minimum 

Maximum 

Send Money (External) Other Bank 

  

  

Transaction Per Day 

PHP 100.00

(InstaPay) PHP 50,000.00

(PESONet) PHP 250,000.00

Total Aggregate Per Day 

 

PHP 500,000.00

Send Money (Internal) 

  

Own UNO Account 

No Limit (Initial Launch)

No Limit (Initial Launch)

UNO to Another UNO Account 

PHP 1.00

PHP 1,000,000.00

   

Total Aggregate Per Day 

 

PHP 1,000,000.00

What happens if I Send Money to the wrong account?

If the account number is valid (existing and active), please contact the recipient bank to report the erroneous transfer. UNO will not refund successful transfers wrongly made to valid accounts.

What happens if I Send Money to an invalid account?

You need to report this to our Customer Happiness team immediately. UNO needs to validate the status of the transaction before making any adjustments. Valid refunds are processed as soon as possible, but allow us 3 to 5 working days to credit back the funds.

How can I Get Cash from my #UNOready Account?

You can Get Cash (cash-out or withdraw) from your #UNOready Account through any of our accredited over-the-counter (OTC) partner outlets – BDO, SM Payments, Cebuana Lhuillier, M Lhuillier and Palawan Express.

Can I withdraw from my UNO Time Deposit?

Ideally, you cannot (must not) withdraw the funds from your time deposit account unless it has reached maturity, to maximize interest earnings. If you really need the funds, early withdrawal of the Time Deposit prior to maturity may incur certain charges, including a Documentary Stamp Tax (DST) charge, penalty charge and an adjustment in interest rates.

 

Early withdrawal of the Time Deposit can only be made for the full amount of the Time Deposit. Partial withdrawals are not allowed.

What is Scan QR?

 Scan QR is an UNO Mobile App payment facility that enables fund transfer by scanning a quick response (QR) code. This allows you to initiate payments easily and avoid erroneous payments brought about by manual input of payment details.

Where can I use Scan QR?

It can be used in transferring funds to other accounts or making payments at merchant outlets, e-commerce websites, grocery stores and other QR-enabled payment transactions.

Your UNO account has its own QR code which can be used by other UNO customers to Send Money to you. To see your QR code, tap Scan and Pay > Show My QR. You can have your QR code scanned directly from your phone screen, or you can use the Share/Save feature to keep a copy in your gallery/folder.

What is Pay Bills?

Pay Bills is a functionality in the UNO Mobile App that allows you to settle telco, electricity, water, internet, cable, credit card and other utilities.

How can I pay my bills using the UNO App?
1. Log in to the UNO App
2. Tap “Pay Bills”
3. Select the biller category
3. Choose the Name of Biller from the dropdown list.
5. Enter other required details and amount.
6. Review and confirm details.
How do I close my account? (customer-initiated)

As much as possible, UNO wants to keep customers from leaving. However, should you need to close your account, you may do so by contacting the Customer Happiness team. Please ensure that you don’t have any outstanding obligation with UNO prior to closure. 

 

Once your account is closed, you need to re-register and re-start the onboarding process if you wish to use the UNO Mobile App again.

What are the possible reasons for UNO to close my account?

UNO may close your account in the following instances:

     – If you have not funded your account within the first 3 months from account opening

     – If your account becomes an Inactive Account

     – If you do not submit the documentary requirements within fifteen (15) days from the  date you open your UNO account,

     – If you fail to comply with periodic KYC refresh as per applicable laws and regulations.

 

Likewise, UNO may immediately suspend or close your account at any time in the following situations:

     – If it is established that you have misrepresented or falsified information

     – If it is established that your account is connected with any fraudulent or illegal activities / transactions

     – If you fail to abide by or breach any provision of the Terms and Conditions

     – If UNO deems that you have handled your account improperly or unsatisfactorily.

What do I do if I have concerns, inquiries, or requests?

You can get in touch with UNO Digital Bank’s Customer Happiness team anytime by using the in-app messaging center feature in the UNO Digital Bank Mobile App.

1. From your dashboard, tap on the Messages icon (envelope icon)
2. Tap on Compose (+ icon).
3. Choose the Subject Category of your concern.
4. Enter a brief description of your concern in the Message Box. 

How do I keep track of concerns, inquiries, or requests?

From your dashboard, tap on the Messages icon (envelope icon). The concerns raised and responses of our Customer Happiness Specialists will be available in your Message Inbox.

What is the UNO Virtual Debit Mastercard?

The UNO Virtual Debit Mastercard is your global access to your #UNOready Account. You may use your card to pay for online retail purchases locally and globally, wherever Mastercard is accepted.

What can I do with my UNO Virtual Debit Mastercard?

You may use it for making online purchases locally and globally, wherever Mastercard is accepted.

Can I use my UNO Virtual Debit Mastercard for in-store purchases?

No, you may only use your virtual debit card for online purchases, wherever Mastercard is accepted.

Where can I see my UNO Virtual Debit Mastercard details?
You may view your virtual UNO Debit Mastercard details via the UNO Digital Bank app.
 
Just follow the steps below to activate your card:
     1. Deposit at least PHP 100.00 to your #UNOready account
     2. Access “My Card”
     3. Activate your Virtual Card
 
You can then view your card details by tapping on the MY CARD icon located at the bottom of the dashboard.
Are there any fees for the UNO Virtual Debit Mastercard?

It’s totally FREE!

 

The UNO Virtual Debit Mastercard is FREE with every #UNOready Account with a deposit of at least PHP100.

Will I be charged any fee when I USE my UNO Virtual Debit Mastercard?

For local online retail purchase transactions, you will not be charged any fees. For foreign online retail purchase transactions, 2.5% will be charged on the peso conversion as International Transaction Fee representing the Bank’s service fee and any assessment fee(s) charged by Mastercard.

Are there any UNO Virtual Debit Mastercard replacement charges?

For subsequent issuance of a virtual card to the same account, you may be charged PHP50 as Virtual Debit Card Replacement Service Fee.

What is my daily spending limit on the UNO Virtual Debit Mastercard?

The maximum daily limit available on your UNO Virtual Debit Mastercard is PHP 100,000.00. You may, however, control and set your own daily transaction limit using the UNO Digital Bank app

How does the UNO Virtual Debit Mastercard work for payment?

Your UNO Digital Bank app makes it easy!

 

All transactions made using the UNO Virtual Debit Mastercard will be deducted from your #UNOready Account balance.

What happens if I have insufficient funds in my account?

Your retail purchase will be declined.

How do I raise a dispute for a transaction?

Not to worry, UNO is here for you.

 

If you have any disputes regarding your transactions, you may follow these steps:

     1. Open your UNO Digital Bank app

     2. Go to the Transaction Details screen

     3. Tap on the Dispute icon

 

Any disputed card transaction will be investigated by UNObank, which may entail further verification of transaction records and confirmation with you and/or the network or merchant. Any dispute must be filed within sixty (60) calendar days from the transaction date. The dispute will be resolved in accordance with applicable Mastercard chargeback/dispute processes and procedures.

You may also reach us through the UNO Customer Happiness Hotline at  +632 88190866 or +63 919 0599866 during our business hours of 6am to 10pm – Mondays to Sundays, or send us a message via the UNO In-App Message.

I asked for a refund when I returned an item I bought online, will the amount be refunded to my UNO Savings account?

Yes, refunds are possible!

 

The refunded amount will be credited back to your #UNOready Account. The merchant will be the one to initiate the process of refund and settle the amount with UNO, subject to the merchant’s return policy. Standard refund processes and timelines will apply.

Is there an option to temporarily disable or lock my UNO Virtual Debit Mastercard?

You can choose to lock your card temporarily in the UNO Digital Bank app. Simply tap the MY CARD icon located at the bottom of the dashboard and swipe right to lock your card. Once your card is locked, you will not be able to use it for any transactions. You can unlock the card in the app to use it again.

What should I do if I see a suspicious transaction in my account?

If you see an unknown or suspicious transaction done using your card in your transaction history, lock your card in the MY CARD section in the UNO Digital Bank app and report the transaction immediately through the UNO Customer Happiness Hotline at  +632  8811 8866 or +63 919 0599866 during our business hours of 6am to 10pm – Mondays to Sundays, or send us a message via the UNO In-App Message.

How long will it take for my dispute to be processed?

For simple cases, turn-around-time is 7 banking days. For cases that need to be referred to Mastercard, turn-around time may take up to 45 calendar days. However, for transactions that need further investigation, more time may be needed.

Can I raise several disputes at the same time?

Yes, you can raise several disputes for different transactions at the same time. Here are the steps:
    1. Locate and tap the transaction from your dashboard’s Recent Transactions view.
    2. Tap on the Dispute icon


You can also send us a message via your In-App messaging inbox (envelope icon) at the lower right of your UNO Mobile App Dashboard.

Is there a document that I need to submit to report a dispute?

This is on a case-to-case basis. You will be notified via call/email should there be a need for you to submit documents.

Will I be informed once the dispute is resolved?

Yes, you will be notified via in-App messaging inbox once the dispute is resolved. You will receive a final disposition letter regarding the resolution of your dispute. Also, any credit adjustment will be posted on your account for successful dispute/s.

Can I again raise/dispute/file cases that were previously determined to be an invalid dispute?

No. Disposition of invalid disputes are considered final.

Follow these easy steps:
    1. Download the UNO Mobile App then click the Link GSave Account.
    2. Enter your mobile number
    3. Key in your OTP, take a Selfie, and set password.
 
Once done, you can proceed to Login.
What are the benefits of linking my #UNOready@GCash account to the UNO Mobile App?
The following features will be available to you when you link your #UNOready@GCash account to the UNO Mobile App:
a. Free Virtual Debit Card
b. You can book #UNOboost and #UNOearn accounts up to PHP 500,000.00
c. Get access to special features such as Pay Bills and Insurance products
d. Offers exclusive to UNO Mobile App users
How do I get a debit card for my #UNOready@GCash account?

Virtual debit card is available when you link your GSave account to UNO Mobile App.

We are sorry for this inconvenience. You may contact our Customer Happiness at +632 8811-8866 or +63 919 0599866 during our business hours of 6am to 10pm – Mondays to Sundays or send us a message via the UNO In-App Message.

How do I Deposit Money to my #UNOready@GCash account?
Deposits can conveniently be made through the GCash App just tap the “Deposit Money” button from your #UNOready@GCash account and funds will automatically be debited from your GCash Wallet.
 
Alternatively, you can also add money to your @UNOready@GCash accounts by transferring funds from your other banks or e-wallets via PESOnet or Instapay.
How do I Withdraw Money from my #UNOready@GCash account?

You may withdraw your money through the GCash app by tapping “Withdraw Money” from your #UNOready@GCash account. Funds will be credited to your GCash Wallet.

Can I open a time deposit account using my #UNOready@GCash account
Yes, there are two ways to open a time deposit account/s:

1. Through GCash App
Log in to GCash and click the “GSave” button. Look for the UNO logo and click “Add Time Deposit”. Choose from #UNOboost@GCash or #UNOearn@GCash and place up to Php100,000 per account
 
2. Through UNO Mobile App
Make sure you linked your #UNOready@GSave to the UNO Mobile App. Log in the app and click the “Time Deposit” tab. Choose from #UNOboost or #UNOearn and place up to Php500,000 per account.
How do I close my #UNOready@GCash account?

We’re sorry that you are leaving. Before closing your account, ensure that you take out all your money by transferring it to your GCash account or to another bank. To close your account, please contact our Customer Happiness at +632 8811-8866 or +63 919 0599866 during our business hours of 6am to 10pm – Mondays to Sundays or send us a message via the UNO In-App Message.

Where can I find Insurance products in the UNO Mobile App?

You may find the insurance products by clicking the “Insure” button when you log in to the UNO Mobile App.

What are the products available in UNO?
ProductCash for Income Loss (Accidents Only)Cash for Medical Costs3-in-1 Protection PlanCash for Goals
DescriptionReplace of income lost caused by disablement or death due to accidents. Cash to cover medical costs due to hospitalization, critical conditions, and surgery. Cash to cover medical costs due to Dengue, COVID-19, and Accidents.Life insurance and investment product rolled into one.
Starting Price/month
 Php120 Php224 Php79 Php2,000

You can learn more about these products when you click the “Insure” button in the UNO Mobile App.

How do I continue the payment of my Singlife insurance?

Your monthly premiums will be deducted to your #UNOready account every 30 days. Make sure that your account is funded to continue your protection.

I changed my mind on my insurance premium. How do I refund this?
You can cancel your policy by following the steps below:

1. Log in to the UNO Mobile App

2. Click on the “Insure” Tab

3. Once you are in the Singlife Microsite, click on “Manage”

4. Access the policy you want to cancel

5. Go to “Services”

6. Click on “Cancel Policy”

 
If you decide to cancel within fifteen (15) days, your premium will be refunded back to your account within one (1) banking day.
I forgot to fund in my UNO account. How do I reactivate my policy?

We’d love to keep you protected again! Simply reactivate your policy on the UNO Mobile App by simply logging in and clicking the “Insure” button. Look for the Singlife policy card and click the “Services” tab for reactivation.

How do I file claims?

Simply send an e-mail to help@singlife.com and they will respond within 24 business hours with the list of requirements to be submitted.

How do I manage my policy?
You can manage your policy online through the UNO Mobile App. Simply follow the steps below:

1. Log in to the UNO Mobile App

2. Click on the “Insure” Tab

3. Once you are in the Singlife Microsite, click on “Manage”

4. Access the policy you want to cancel

5. Go to “Services”

What is #UNOeasy?

#UNOeasy is here to make life easier for you! Get up to PHP 150,000
worth of loan to get that appliance, gadget, or furniture you want right
from the tip of your finger! Just visit any of our partner stores to try
#UNOeasy.

What are the items I can buy with Sales Finance Loan?

You can use #UNOeasy in purchasing different electronics, furniture, or
home appliances, ranging from mobile phones, laptop, television, air
conditioner, and many more!

Am I qualified to apply for #UNOeasy?

#UNOeasy is available to applicants who meet ALL the criteria below:

  1. Individuals
  2. At least 21 years old; must not be older than 65 years old upon
    loan maturity
  3. Filipino national/resident
  4. Resides and/or works within Metro Manila, Rizal, Laguna,
    Batangas, Cavite, Bulacan, Pampanga, Cebu, Iloilo, Davao del
    sur, Bacolod, Alaminos City, Dagupan, Cabanatuan, San Jose,
    Cagayan de Oro, Lucena, Tarlac, Tacloban, Naga, Subic, Iba,
    Olongapo, Legazpi, Dumaguete, Santiago, Cauayan,
    Tagbilaran, San Fernando, Puerto Princesa, Tuguegarao, Baguio
  5. Receives a minimum gross monthly income of PHP 25,000
  6. If employed, must be tenured for at least 6 months
  7. If self-employed, business must be in operations for at least 2
    years
Is there a specific store where we can use Sales Finance?

We have selected partner stores for #UNOeasy. Please see our partner
stores below:

  • MemoXpress
  • Rulls

And more stores coming soon!

What ID requirements are accepted for an #UNOeasy loan application?

Applicants must present any of the following primary IDs which
showcase both their identity and current address:

  • Driver’s License – PREFERRED
  • Unified Multi-Purpose ID (UMID) – PREFERRED
  • Philsys National ID (Physical card) – PREFERRED
  • Postal ID – PREFERRED
  • Philippine Passport
  • EPhil ID (Printed ID)
  • Social Security System ID (SSS)
  • Professional Regulation Commission (PRC) ID
Do I need a bank account or credit card from other banks to apply for #UNOeasy loan?

You don’t need a bank account or credit card from other banks to apply! You will automatically be provided with an #UNOready Savings account upon onboarding!

For existing customers, your #UNOeasy will be automatically linked to your #UNOready upon approval of application.

Is there a down payment required?

Yes! You are required to pay a minimum down payment of 20% of the product price.

What is the minimum and maximum loan amount and tenor?

UNO offers loans between PHP 10,000 to PHP 150,000 with repayment tenors ranging from 6 to 18 months.

What are the interest rates?

#UNOeasy loan offers a monthly add-on rate as low as 2%

How do I monitor the status of my loan?

Application processing is straight-through which means that you get the result of your eligibility for loan on the spot.

Will I be given a copy of the loan documents?

Yes. Please expect to receive the following documents through your registered email address after availing loan:

  • Promissory Note
  • Disclosure Statement
  • Amortization Schedule
How many items can I buy with #UNOeasy

You can purchase as many consumer durable items as you can, so long as you have sufficient credit balance in your approved credit line!

Note, however, that you are not allowed to do bundling of items (more than 1 item in a single-receipt purchase).

Can I still use my remaining limit after my first purchase

Yes! After your first purchase, you must settle the first three months of your installment.

Once settled, you will be able to use your remaining balance for another purchase

What if I don’t have sufficient money to settle the downpayment?

As long as you already have an approved credit line, you can come back for and purchase your desired item any time.

You will no longer have to repeat the whole onboarding process—instead, you will be redirected to the purchase flow.

When is my installment due?

Your installment due date is determined by the date of your product purchase.

Your first payment will be due a month after said purchase, and it will continue like this every month.

How do I pay for my monthly installments?

Your monthly installments will be paid via automatic debit arrangement (ADA) from your #UNOready Savings Account. All you need to do is ensure sufficient funding of the #UNOready on or before your due date for UNO to effect the payment.

When will my payment be reflected?

If the auto debit arrangement (ADA) is successful, your payment will be reflected the next day

What if I have insufficient balance in my #UNOready account?

You can fund your #UNOready via Add Money option in the UNO mobile application.

Your ADA will be automatically activated, and your existing balance will be used to pay off your current monthly installment

Can I make an advance payment for my loans?

Yes, you will be allowed to request for either a partial early repayment or “Prepay” or a full early repayment or “Payoff”.

You may access these options via your UNO Mobile Application’s Loan dashboard.

Are there rebates or rewards in case I pay early?

As of the moment, there are no rebates or rewards scheme for early payment.

But rest assured that this will have a good impact on your profile, making you eligible for a possible increase in your available credit limit.

What should I take note on my First Month Due?

Your first month includes both of your due amount and processing fee. Ensure your #UNOready account has enough balance to cover the total due.

Are there other fees and charges?

Below are the fees applicable to #UNOeasy:

  1. Processing Fee – 3% of the loan amount or PHP 500, whichever is higher, to be settled to the merchant upfront
  2. Late Payment Fee – 5% of each unpaid monthly installments or PHP 500, whichever is higher
  3. Loan Pre-termination Processing Fee – 3% of the loan amount or PHP 300, whichever is higher
    Standing Instruction Bounce Fee – flat rate of PHP 200 each time you are unable to fund your #UNOReady account with the sufficient repayment amount on the due date
What if the item I bought is defective, can I request for a loan cancellation?

Unfortunately, no. The program will follow the refund and/or return policy of the partner store, hence dispute must be coordinated directly with the store from where you purchased the product, not later than your first installment due.

Additionally, your loan will still follow the term and repayment based on your signed loan agreement.

I have an ongoing loan with UNO. Can I re-apply for a new one?

Absolutely! Customers who already have an #UNOeasy loan are welcome to apply for another one.

However, Customers who have an existing #UNOnow loan (personal loan) will not be granted an #UNOeasy loan for now.

Can I re-apply if my previous application was rejected?

Yes! You will be allowed to re-apply for a loan again 90 days subsequent to your previous application.

We encourage using your #UNOready savings account for a higher chance of approval.

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