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| UnionDigital Bank Makes Financial Empowerment Real for Filipinos with Simple and Accessible Digital Banking |
UnionDigital Bank (UD), the digital bank subsidiary of Union Bank of the Philippines, is driving its mission to break barriers to financial inclusion for millions of unbanked Filipinos. The digital bank is focusing its efforts on first-time users such as sari-sari store owners, ride-hailing drivers, and daily wage earners, who are often left behind by traditional financial systems. Through the “Kaya Mo” movement, UD is turning financial empowerment from a distant dream into an everyday reality.
The Kaya Mo Movement is rooted in the belief that every Filipino has the potential to make their dreams into a reality through UD’s simple, hassle-free financial products and services. This commitment goes beyond banking; it is reinforced by Usapang Diskarte, UD’s flagship financial literacy program that makes money matters practical, relatable, and easy to understand.
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| Through the Kaya Mo Movement, UD and its partners solidify their shared commitment to empowering underserved Filipinos through real financial inclusion. From L-R: Jeff Navarro, Country Manager, VISA Philippines; Danilo “Bong” Mojica II, PhD, President & CEO, UnionDigital Bank; Kim Dy, Head of Brand & Communications, UnionDigital Bank; J-Ann Lauron, Business Development Director, VISA Philippines; Cong TV, Content Creator and UnionDigital Bank Ambassador; Sid Bada, Head of Clients, VISA Philippines; Salve Ibañez, Journalist and Financial Planner; Mike Magpily, Chief Marketing Officer, UnionDigital Bank; Rhea Mancera, Business Development Manager, VISA Philippines. |
During its consumer launch on August 23, 2025, at Market! Market! in Taguig, the three-year-old digital bank introduced its financial products and services to Filipinos, spotlighting its payments and transfers offerings. UnionDigital also reinforced its promise: With UD, Kaya Mo ang simple at swak na digital banking experience. From opening an account in minutes to making seamless cashless payments, everything is possible within one easy-to-use app.
UD exists to empower every Filipino with simpler, more accessible banking products. We are deeply committed to helping them take control of their financial future. Whether it’s growing a business, securing a family’s future, or chasing new opportunities, with UD as their ka-diskarte in progress, Kaya Mo.
said Danilo “Bong” Mojica II, President and Chief Executive Officer of UnionDigital.
From our deposits and savings services to the UD Virtual Debit Card powered by VISA, we empower customers by giving them the freedom to grow their money, shop, pay, and transact securely anytime, anywhere. Our ultimate purpose is to make achieving financial goals not just a dream, but a tangible reality for all.
said Mojica.
A highlight of the bustling launch event was the impactful and interactive Usapang Diskarte Financial Literacy Talk by the “Financial Beshie ng Bayan,” Salve Ibañez. She emphasized that financial empowerment is within reach when Filipinos take control of their money. Ibañez also shared actionable insights on how to be ma-diskarte and financially savvy. She made complex financial concepts both relatable and achievable. With the support of UD, she said, there are no limits to what Filipinos can accomplish.
A major highlight of the launch was the introduction of UD’s newest brand ambassador, Cong TV, a beloved figure who rose from humble beginnings as a vlogger to becoming one of the country’s most beloved entertainers. Embodying the Kaya Mo spirit with his personal journey resonating deeply with UD’s mission, Cong TV testified that with hard work and the right financial tools, Kaya Mo.
CongTV recalled,
A highlight of the bustling launch event was the impactful and interactive Usapang Diskarte Financial Literacy Talk by the “Financial Beshie ng Bayan,” Salve Ibañez. She emphasized that financial empowerment is within reach when Filipinos take control of their money. Ibañez also shared actionable insights on how to be ma-diskarte and financially savvy. She made complex financial concepts both relatable and achievable. With the support of UD, she said, there are no limits to what Filipinos can accomplish.
Kaya Mo with UD’s Digital Banking Products and Features
Central to the Kaya Mo Movement is UD's growing suite of financial products and services, designed to meet the real-world needs of everyday Filipinos - all accessible in its newly improved app. These offerings are not just banking tools; they are pathways to financial empowerment:- UD’s Payments and Transfers: UD offers convenience with its suite of payment and transfer products available on the UD app. Avoid transfer fees with no limits using InstaPay; forget about long lines with Bills Payment; and scan to pay anywhere with QRPH, coming soon.
- NEW UD Virtual Debit Card (powered by VISA): Experience a new level of financial control as you shop securely with peace of mind, knowing all your online transactions are protected. Instantly view your online spending history in real time, and for added security, easily lock or unlock your account if lost or compromised. Plus, customize spending limits to empower better budget management.
- UD Save: With the convenience of UD’s all-in-one account, you can make your #IponGoals easier to achieve! This deposit product has no minimum balance and zero maintenance fees—removing common barriers that often discourage first-time savers and gives every Filipino easy access to secure savings. Beyond simplifying the process, consumers get high-interest rates that truly help their savings grow.
- UD Time Deposit: Let your money grow with UD’s competitive time deposit rates and have more funds for your future goals! Open a time deposit account for as low as P1,000 and earn an interest rate of 3.75% per annum*.
CongTV for UnionDigital Bank
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| A key moment of the launch was introducing Cong TV, UD's newest ambassador, whose journey from vlogger to beloved entertainer embodies the Kaya Mo spirit and UD's mission of financial empowerment. |
CongTV recalled,
Nagsimula ako nung 2008 sa YouTube. Ang saya-saya ko na sa 300 subscribers! I had a leap of faith when I quit my full-time job after 2 years; tapos naisipan kong seryosohin ang paggawa ng content. Sa totoo lang, for the first two years, hindi ako kumita ng pera pero sa buhay, may halong swerte, kasama na ang ipinagkaloob ng Diyos sa’yo. By 2017, I started earning from YouTube. Pero sa ganitong klaseng trabaho, walang kasiguraduhan, kaya naging ma-diskarte ako sa pag-ipon at pag-budget ng kita ko.
Through the years, napalago ko ang pera ko, sa tulong na rin ng financial tools and services ng katulad ng UnionDigtal Bank. Kaya excited talaga ako sa partnership na ‘to. Masasabi ko talagang kung kaya ko, kaya mo rin
CongTV declared.
The Kaya Mo Movement stands as UD’s core commitment. Its mission is to uplift the lives of Filipinos by turning financial empowerment into a tangible reality. UD delivers this through accessible digital tools and a deep understanding of its customers’ needs. The bank is shaping a future where every Filipino can confidently manage their finances, pursue their aspirations, and build a more secure and prosperous life. With UD, Kaya Mo.
“Kwentong Kaya Mo”
To inspire more Filipinos to confidently chase after their financial aspirations with a Kaya Mo mindset, UD has launched an online campaign inviting everyone to share their #KwentongKayaMo on social media between August 23 to September 15, 2025. Five compelling stories will be recognized by UD with special incentives.The Kaya Mo Movement stands as UD’s core commitment. Its mission is to uplift the lives of Filipinos by turning financial empowerment into a tangible reality. UD delivers this through accessible digital tools and a deep understanding of its customers’ needs. The bank is shaping a future where every Filipino can confidently manage their finances, pursue their aspirations, and build a more secure and prosperous life. With UD, Kaya Mo.
