Padala season has officially arrived — and this year, Filipinos can spread even more love without worrying about draining their wallets on fees. As Christmas gift-giving kicks into high gear, UnionDigital Bank (UD) is helping every Filipino maximize their holiday budget through free and unlimited InstaPay transfers, making padala simpler, faster, and lighter on the pocket.
Christmas in the Philippines has always been defined by a culture of generosity, especially among families separated by distance. But as multiple transfers pile up during the holidays, transaction fees can quietly chip away at money meant for loved ones. UD President and CEO Danilo “Bong” Mojica II says the bank wants to change that.
“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,” Mojica explains. “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.”
Through the UD app, account holders can send money instantly and without fees — whether it’s an OFW sending their Christmas budget home, a breadwinner covering year-end household costs, or a Ninong or Ninang sending extra pamasko. UD ensures every peso reaches the people who matter most.
UD’s initiative also boosts financial inclusion and supports the Bangko Sentral ng Pilipinas’ push for wider digital payments adoption. By making money transfers simple, mobile-first, and free, the bank strengthens its Kaya Mo promise of empowering Filipinos with accessible and affordable financial services.
To make the holidays even more exciting, UD is also giving users a chance to win an iPhone 17 Pro Max. Simply keep an active and verified UD account and make InstaPay transfers of at least P100 each. More transactions mean more e-raffle entries: 15 transactions for 15 entries, 20 for 40 entries, or 25 for 70 entries. Participants must also complete the informed consent form available on the official UnionDigital Bank Facebook page.
The promo runs from November 26 to December 31, 2025.
Share the spirit of giving this season by downloading the UD app and opening an account today. With UnionDigital, kaya mong gawing mas maliwanag ang Pasko — one gift, one transfer, one act of kindness at a time.