“Save More, Earn More”
Bonus Rate Promo

Keep growing your #UNOready savings and get rewarded for it — with up to 2% bonus interest, your fresh funds can earn 5.5% (3.5% plus 2% bonus interest) for the month.

1. Promo Duration. (“Promo”) will run from August 12 to October 31, 2026 (“Promo Period”).


2. Eligibility Criteria. A customer is eligible for the Promo if he/she meets the criteria in this section and all the other conditions set out in the succeeding sections (“Eligible Customers”):
1. The Customer’s #UNOready or #UNOready@GCash Savings account is active during the Promo Period and awarding Period.
2. The Customer must have registered a valid and updated mobile number and email address with UNO
3. Only Customers who receive an official promo notification from UNO Digital Bank for the applicable promo month shall be eligible to participate in the Promo for that month. Receipt of a promo notification for one (1) month does not automatically qualify the Customer for subsequent promo months.

Definitions

Fresh Funds refer to incoming funds from external bank accounts or e-wallets through InstaPay or PESONet as well as GCash cash-ins or top-ups through the GCash mini app, that are credited to the Customer’s #UNOready / #UNOready@GCash account and result in an increase in the Customer’s Average Daily Balance (ADB) compared to the previous month.

The following shall not be considered Fresh Funds:

• Transfers from existing UNO accounts
• Interest credited to the savings account
• TD Maturity proceeds
• Loan disbursements
• Internal fund transfers within UNO Digital Bank
• Transactions that are reversed, returned, disputed, or found to be invalid.

3. Promo Mechanics. Eligible Customers who meet the Promo requirements shall receive the applicable bonus interest, which shall be credited to the Customer’s eligible #UNOready Savings Account. The applicable bonus interest shall be determined based on the Customer’s qualifying Fresh Funds during the Promo Month for which the Customer was identified as eligible and notified. Qualifying Fresh Funds shall be measured as the increase in the Customer’s Average Daily Balance (ADB) from the previous month resulting from new money deposited into the Customer’s eligible #UNOready or #UNOready@GCash Savings Account through eligible channels, in accordance with the table below.

Fresh Fund Deposited	Bonus Interest Rate
PHP 5,000 – 19,999.99	+0.5% p.a.
PHP 20,000 – 49,999.99	+1.0% p.a
PHP 50,000 – 100,000	+2.0% p.a

1. The bonus Interest Rate shall be applied only to the qualifying Fresh Funds deposited, subject to a maximum qualifying Fresh Funds amount of PHP 100,000 per depositor.

4. Campaign Reward. The Eligible Customer may be entitled to the Bonus Interest if the Eligible Customer meets all the Promo Mechanics stipulated in Sections 3. The Bonus Interest will be credited to the customers #UNOready or #UNOready@GCash account, less 20% withholding tax.


5. Awarding Schedule. The awarding of Bonus Rate will follow the schedule below:

Cut-off Month	Bonus Rate Awarding Date
August 31	September 15
September 30	October 15
October 31	November 15

6. Communication Channels.
   Customers will be informed about this promo through any of the following channels:
• SMS
• Email Direct Marketing (EDM)
• UNO In-app Push Notifications


7. Other Terms and Conditions.
1. By participating in the Promo, Eligible Customers hereby authorize the transfer, disclosure, and communication of information in relation to his/her accounts to and from/between UNO and participating merchants, service providers and other relevant third parties for the purpose of marketing and promotion, verification, checking, validation, and fulfillment.
2. By accepting and/or using the bonus interest cash credit, the Eligible Customer agrees to hold UNO free and harmless from any loss, injury, or damage caused by or arising from his/her participation in the Promo or caused by or arising from his/her acceptance and/or use of the cash credit.
3. Fraud, abuse, misinterpretation or any unauthorized action relating to the availment of the products, participation in the Promo, or awarding of the Reward may result in disqualification of the customer from the Promo, suspension or cancellation of the banking privileges, closing of the accounts in UNO or the forfeiture of the Reward via a debit by UNO of the equivalent amount from the client’s #UNOready or #UNOready@GCash account, at UNO’s discretion, as the case may be. UNO shall have the sole and absolute discretion to disqualify anyone from participating in the Promo.
4. The Promo and its corresponding bonus interest in the form of cash credits are not convertible to any other form of reward.
5. This Promo is not valid in conjunction with other promotions offered by UNO Digital Bank.
6. In case of disputes, UNO’s decision will be final. Disputes must be filed by the Eligible Customer within sixty (60) calendar days from the scheduled Reward awarding date.

UNObank, Inc. is a member of PDIC. Deposits are insured by PDIC up to PHP 1,000,000.00 per depositor.

For further inquiries, you may contact our Customer Happiness Specialists at +632 8811 8866 or +63 919 0599866 from 6AM to 10PM, 7 days a week. You may also send a message via the UNO In-App Message.

Likewise, should you have any concerns in relation to your personal information, or the manner or purpose for which it is processed, please contact UNObank’s Data Protection Officer at dpo@uno.bank and for more information regarding the Data Privacy Act, you may visit https://www.privacy.gov.ph.

UNObank, Inc. is regulated by the Bangko Sentral ng Pilipinas (BSP). www.bsp.gov.ph. You may contact the Bangko Sentral Financial Consumer Protection Department through their contact number +632 8708-7087 or send an email to consumeraffairs@bsp.gov.ph.