Padala season is here! Don’t let the overwhelming transaction fees keep you from sharing the love this season of giving
Christmas in the Philippines is inseparable from padala culture—a heartfelt tradition of sending money and gifts to loved ones, especially among families with members working abroad. As the holidays draw closer, UnionDigital Bank (UD) is making the season of giving even more meaningful by offering free and unlimited InstaPay transfers, allowing Filipinos to share their blessings without worrying about transaction fees.
“As padala season peaks during the holidays, the frequency of money transfers and expenses can result in overlooked fees that slowly eat into hard-earned funds,” said Danilo “Bong” Mojica II, President and Chief Executive Officer of UnionDigital Bank. “With unlimited and free InstaPay transfers, we want to empower Filipinos to give generously—ensuring that every peso goes straight to their loved ones, with no deductions. This way, every transfer truly counts this Christmas.”
Available directly through the UD app for registered users, the unlimited and free InstaPay feature enables instant, fee-free money transfers—perfect for OFWs sending their Christmas budget home, breadwinners covering year-end family expenses, or godparents sharing pamasko with their inaanaks. With UD, every peso of hard-earned money reaches where it matters most.
Driving Financial Inclusion and Cashless Adoption
Beyond the holiday convenience, UD’s initiative supports the Bangko Sentral ng Pilipinas’ (BSP) push for greater financial inclusion and accelerated cashless adoption nationwide. By removing transfer fees and simplifying digital payments, UD helps Filipinos send, receive, and manage money instantly, securely, and meaningfully.
“UD champions financial inclusion by making payments and transfers simple, mobile-first, and free,” Mojica added. “This reflects our Kaya Mo brand promise—to provide accessible and affordable digital financial services that empower Filipinos to take control of their finances and believe that kaya nilang umasenso in a more inclusive and cashless Philippines.”
InstaPay Holiday Promo
UD is making the holidays even more exciting with a special InstaPay promo, giving users a chance to win an iPhone 17 Pro Max. To join, customers must have an active and verified UD account and complete InstaPay transfers of at least ₱100 per transaction via the app. E-raffle entries increase with transaction activity:
- 15 transactions = 15 entries
- 20 transactions = 40 entries
- 25 transactions = 70 entries
Participants must also complete the informed consent form available on the official UnionDigital Bank Facebook page. The promo runs from November 26, 2025 to December 31, 2025.
This Christmas, share more love without losing a single peso to fees. Download the UD app and open an account today to make every gift, transfer, and surprise more meaningful.
With UnionDigital Bank, kaya mong gawing mas maliwanag ang Pasko—one gift, one transfer, one act of kindness at a time.
