Wow!
A REAL bank for REAL Filipino's. right on your smartphone

Digital Banking Made Simple

Open a free account in minutes right from your phone and use your Visa card everywhere.
Spend, pay bills, save and manage your money, all in one place.
join us

Put money in your hands

Track your money all in one place and make your daily spending seamless.

A new kind of bank

Explore the power of simpler and smarter banking online.

Choose a Card

Easy Payments

mobile banking
It’s easier as ever!

How to get started

  • Download the app from the Apple App Store or the Google Play Store;
  • Enter your phone number and the verification code we’ll send you;
  • Create an account by telling us who you are;
  • Verify who you are by recording a short selfie video and taking a photo of your ID.

Understand your money spending better

  • Create custom categories to group your spending in ways that work for your lifestyle.
  • Divide single transactions into multiple categories to group your spending, your way.
  • Auto-export transactions to Google Sheets as they happen, for a detailed look at your spending.

Pick your perfect account

We're making money work for everyone, so we have different accounts for different needs.

Bayad Card Basic

Free

  • A PHP current account With savings, borrowing and overdrafts
  • Pots for separating money Put money aside from your balance
  • Award-winning support Through the app, if you need it
  • Instant notifications See when, where and how you spend
  • G-Cash and PayMaya Spend using your phone
  • Fee-free PH bank transfers Send money to any PH bank for free

Bayad Card Plus

P50 per month

  • All free Bayad Card features
  • Pots for separating money Put money aside from your balance
  • Award-winning support Through the app, if you need it
  • Instant notifications See when, where and how you spend
  • Apple Pay and Google Pay Spend using your phone
  • Spending categories Get a clear view of your spending

Bayad Card Business

P100 per month

  • All free Bayad Card features
  • All Bayad Card Plus features
  • A PHP and USD current account With savings, borrowing and overdrafts
  • Pots for separating money Put money aside from your balance
  • Award-winning support Through the app, if you need it
  • Instant notifications See when, where and how you spend

Awesome and friendly support

No, Silicon Valley - bugs are not features. Reach out about a technical issue, share your feedback or ask us about our favorite lunch spot in Manila. We’re here no matter what.

People love us!

Check out our customers success stories 

An excellent bank to deal with. All staff are very professional and knowledgable. Their online banking experience is easy and friendly.

Bayad Card User

The Bank supports clients engaged in a variety of global capital market activities, bridging importers & exporters, businesses, and financiers

Manager

I’m very impressed with the assistance provided by customer service at Cyberbank! Thank you so much to the customer service team at Cyberbank for making this process easy!

IT-specialist

Whenever I have a question or need additional help, I'm able to get in contact with someone and get an answer quickly. I had a particularly positive experience this week and wanted to share.

Happy Customer

Resources to keep you informed

Location. Location. Location. This may be real estate’s golden rule, but it applies to payments now more than ever. Tomorrow’s industry leaders will go where their customers are—and their customers are going mobile.

Organisations including banks, fintechs, and payment providers who want to play a leading role in tomorrow’s payment services ecosystem will need to be smart and start identifying their roles in the RtP ecosystem today.

The challenges lenders face are numerous. And achieving sustainable profitability is difficult since customers are less loyal than in the past, regulation more stringent and the economic outlook still uncertain.

What are you waiting for?

Apply for an award-winning bank account

Start your journey to financial freedom today.