UNO Digital Bank review

The monthly fee is PHP 0, and there is no charge to keep the card open. That matches Monzo Flex at £0 and Wise at £0, so the running cost is not what separates this card from the others here.

It is a debit card on the mastercard network, so the money comes straight from the bank account behind it. Debit is also the most common type in this group, at 73.4% of the brands tracked.

A virtual card sits alongside the debit card, which helps when you would rather not hand over the physical card in an online checkout. It runs on the same account, so the balance and the PHP 0 monthly fee apply to it as well.

Support runs on chat, phone and help centre, so you can start a chat, call the bank or work through the help centre. There is no email channel listed, which is worth knowing if you prefer a written record of a conversation.

The bank is supervised by Bangko Sentral ng Pilipinas in the Philippines, the country it is based in (PH). Because it holds your money rather than only a card balance, that licence is the part to check before you open an account.

UNO Digital Bank was founded in 2022 and is based in the Philippines (PH), so it is a young domestic digital bank. A short history is worth weighing against longer established alternatives if you want a provider with more track record.

The monthly fee is PHP 0, which is the same as Monzo Flex at £0 and Bitpanda at €0. The card sits at the top of 379 brands ranked on monthly fee, so cost tells you little here.

It fits people in the Philippines who spend day to day and want a debit card with a monthly fee of PHP 0, plus a virtual card for online shopping. It is aimed at spending, so readers after coins or staking features should look at cards built for crypto trading.