Christmas in the Philippines is synonymous with “padala” culture, a deeply ingrained tradition of sending money and goods to loved ones as an act of gift-giving, especially among families living abroad. As the season draws near, UnionDigital Bank (UD) lets Filipinos embrace the spirit of giving with joy through free and unlimited InstaPay transfers, leaving worries of transaction fees behind.
“As padala season peaks during the holidays, multiple money transfers and expenses can lead to overlooked transaction fees, chipping away at the hard-earned money Filipinos send to their families,” says Danilo “Bong” Mojica II, President and Chief Executive Officer of UD. “With our unlimited and free InstaPay transfers, UD hopes to empower Filipinos to give generously, ensuring every peso goes directly to their loved ones with no deductions. This way, they can make every bit of it count this Christmas.”
Available directly within the UD app for registered accounts, unlimited and free InstaPay makes it possible to send money instantly and without fees, ensuring every peso goes where it is intended this holiday season. Whether it’s OFWs sending their Christmas budget home, breadwinners covering year-end family expenses, or Pinoys sending generous pamasko to their godchildren, UD ensures every peso of their hard-earned money goes where it truly matters most.
Driving Financial Inclusion and Cashless Adoption
Beyond the immediate benefit to consumers, UD’s initiative strongly supports the Bangko Sentral ng Pilipinas’ (BSP) financial inclusion agenda and expands cashless adoption across the nation. By offering unlimited and free InstaPay transfers, UD empowers Filipinos to send and spend money instantly, securely and meaningfully.
“UD champions financial inclusion by making payments and transfers simple, mobile-first, and free,” Mojica shares. “This reflects our Kaya Mo brand promise, to empower Filipinos with accessible and affordable digital financial services, helping them take control of their finances and believe that kaya nilang umasenso in a more inclusive and cashless Philippines.”
InstaPay Promo
UD is making this holiday season even more special! Users can now get a chance to win an iPhone 17 Pro Max! To enter, ensure you have an active and verified UD account and make InstaPay transfers of at least P100 per transaction via the app. Earn e-raffle entries based on your transaction count: 15 transactions for 15 entries, 20 for 40 entries, or 25 for 70 entries. Simply complete the informed consent form that can also be found in the official UnionDigital Bank Facebook page.
This exciting promo runs from November 26, 2025 to December 31, 2025.
Share the spirit of giving this Christmas! Download the UD app and open an account today to make every gift, transfer, and surprise more meaningful.
With UD, Kaya mong gawing mas maliwanag ang Pasko, one gift, one transfer, one act of kindness at a time.
