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UNO Digital Bank interest rates

BSP digital bankUNObank Inc.

One of the first six digital banks licensed by the BSP, with a savings account and two time deposit options.

uno.bank (opens in a new tab) ↗

Savings

#UNOready Savings

3.50%
  • 3.50% p.a. on the whole balance when your end-of-day balance is ₱5,000 to ₱4,999,999.99.
  • 3.00% p.a. below ₱5,000, and 1.00% p.a. from ₱5 million.
  • Interest is credited daily.
BalanceRate p.a.
₱0.01 to ₱4,999.993.00%
₱5,000 to ₱4,999,999.993.50%
₱5,000,000 and above1.00%

Interest added daily · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

Time deposit

#UNOboost Time Deposit

4.00%
up to 5.50%
  • Fixed rate. Choose any term from 3 to 12 months.
  • Up to 5 time deposit bookings at a time.
  • UNO's own calculator covers deposits of ₱5,000 to ₱500,000.
TermRate p.a.
3 months4.50%
4 months4.00%
5 months4.00%
6 months5.00%
7 months5.00%
8 months4.25%
9 months4.25%
10 months4.50%
11 months4.50%
12 months5.50%

Crediting not stated · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

Time deposit

#UNOearn Time Deposit

4.75%
up to 5.00%
  • Choose 12 months (4.75% p.a.) or 24 months (5.00% p.a.).
  • Interest is paid out monthly.
  • Up to 5 time deposit bookings at a time.
TermRate p.a.
12 months4.75%
24 months5.00%

Interest added monthly · Checked 19 Oct 2026 on the bank's page (opens in a new tab)

Rate history

Every change we've recorded since we started tracking UNO Digital Bank. Full log: rate changes.

DateAccountBaseUp toWhat changed
19 Oct 2026#UNOready Savings3.50%3.50%Tracking started
19 Oct 2026#UNOboost Time Deposit4.00%5.50%Tracking started
19 Oct 2026#UNOearn Time Deposit4.75%5.00%Tracking started

Rates are gross, before the 20% final tax. This is information, not financial advice. Confirm with UNO Digital Bank before you open an account.