UNO Digital Bank review

The monthly fee on the debit card is PHP 0. That sits level with the site median of €0, and other cards compared charge up to €99. The card draws on the balance in the account rather than on a credit line.

It is a debit card on the Mastercard network, so spending is taken straight from the account balance. The bank also lists a virtual card under virtual card, which gives a separate set of card details for online payments. No credit building is involved.

The bank is regulated in Philippines by Bangko Sentral ng Pilipinas, which is the authority listed for its home market. Its operations sit in a single market rather than across several, so the account is aimed at Philippine customers.

Support runs on chat, phone and help centre. That means chat, phone and a help centre are all available, and a help centre is the most common channel among the cards compared, present for 75.6% of them. Email and community forums are not listed.

Yes, a virtual card is listed among virtual card. It can be used for online payments without presenting the main debit card, and it runs on the same Mastercard network. Virtual cards make up 39.2% of the features across the cards on the site.

A free ATM withdrawal allowance is not among virtual card, which lists a virtual card only, so cash is not part of the free picture here. That is a gap against the market, where the free allowance among debit cards runs up to €177.93. Card fees elsewhere run as high as €83.23.

It fits adults in PH who want a Mastercard debit card with no monthly charge and a virtual card for online spending. It is less useful for people who need a free ATM allowance, several currencies in one account, or a way to build credit.