review – February 2023

Bank without a bank account. Do it all on your phone. is a next generation money app for the Philippines.

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Fiat currencies




Product Name Bitcoin App
Fiat Currencies PHP
Cryptocurrencies BTC
Deposit Methods Bank transfer
Trading Fee None
Deposit Fees Bank transfer: Up to P40 or 1%
Cebuana: P40
Globe GCash: Up to P40 or 1%
2% over P100
Withdrawal Fees None
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade. Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

What is

It’s a simple money app. With it, you can use your phone to:

  • Buy, sell, send and receive bitcoin
  • Pay the bills, buy game credits or use other merchant services
  • Make payment requests
  • Pick up cash from ATMs

You can do it even if you don’t have a bank account.

What countries can I use in and what currencies does it accept? is mostly designed for use in the Philippines, and it only offers Philippine pesos and bitcoin, but foreign nationals and overseas travellers can still use it if they like.

What payment methods does offer? lets you make deposits and withdrawals, for putting cash in and taking it out of your account.

Cash in

Log in to your account and then tap Cash In.

For cash into your wallet, you can:

  • Receive bitcoin
  • Put cash in at a 7-Eleven, Cebuana, M Lhuillier or GCash for instant deposits
  • Put cash in through UnionBank, online or offline, and get a 100% fee rebate
  • Put cash in at any other suitable bank or payment service
Cash out

To get cash out, log in to your account and then tap Cash Out.

You can see all the available options there, including:

  • Bank branches
  • ATMs
  • Cash card
  • Cash pickup
  • Mobile money

Fees, costs and transfer times

The fees for putting cash in will be those charged by your payment service. You can use 7-Eleven, Cebuana, M Lhuillier or GCash for no fees, or UnionBank for a fee rebate.

Cash out fees will also depend on the payment provider. There are no cash out fees for banks in Metro Manila.

Cash in is instant if you use one of the above providers. Cash out is same-day if you use a remittance company before 10am, otherwise it’s next-day.

Bitcoin fees and transfer times

Bitcoin transaction times and transfer fees will change depending on how busy the bitcoin network is.

You can see the current fees displayed in the app. Transfers might be minutes, hours or days.

Cash in and cash out limits

The transfer limits depend on your level of account verification. By providing more information, you can unlock higher account limits.

Cash in limits
Verification levelDescriptionDaily limit (PHP)Monthly limit (PHP)Annual limit (PHP)
1Email/phone verified2,00050,00050,000
2ID and selfie verified50,000100,000400,000
3Address verified400,000400,000Unlimited
Cash out limits
Verification levelDescriptionDaily limit (PHP)Monthly limit (PHP)Annual limit (PHP)
1Email/phone verified000
2ID and selfie verified50,000250,000400,000
3Address verified400,000400,000Unlimited

How do I verify my account?

You are required to verify your email and phone when signing up, so everyone automatically starts at level 1 verification.

To get a higher level, make a verification request through the site and upload the required information.

Safety, security and privacy

For safety, lets you use two factor authentication. This is not required, but it is strongly recommended.

With it, you will receive a new code through Google authenticator when you need to log in. This adds an extra layer of security to your account.

Pros and cons of


  • Keeps and manages your money all in one place
  • Lets you quickly and easily buy, sell, send and receive bitcoin
  • Cash deposits and pickups available all around the Philippines
  • Don’t need a bank account to make electronic payments
  • Quick and easy to get started and use


  • You can’t shop around for the best price on bitcoin
  • Higher fees outside Metro Manila

Get started

Get started by downloading

After that, you’ll need to provide and verify your phone number and email address.

If you want higher limits than those offered by level 1 verification you will also want to unlock a higher verification level.


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