Rizal Commercial Banking Corporation (RCBC) is on a mission to make its loan products
accessible to every Filipino. Known as the go-to bank for premium clients seeking elevated
banking experiences, RCBC is now rapidly expanding its reach to a broader segment of the
Philippine consumer market.
With the rise of a digitally empowered population, RCBC is moving beyond traditional
brick-and-mortar banking towards the digital space. Through platforms like DiskarTech and ATM
Go, the bank now has 100% nationwide coverage, even in low-income and rural areas. It has
also launched Pulz, its flagship mobile banking application. RCBC Pulz paved the way for digital
banking access to Overseas Filipino Workers (OFWs) and Filipino migrants.
Lito Villanueva, Executive Vice President and Chief Innovations and Inclusion Officer,
highlighted the broader role of banks in enabling financial empowerment:
“Credit has always been part of Filipino life. But access to secure and formal loans remains a
challenge. Through technology and digital access, RCBC is redefining what’s possible and
helping turn every Filipino’s dream into reality,” Villanueva said.
As RCBC strengthens its commitment to financial inclusion, the bank is not merely expanding its
reach but redefining the way lending serves the needs of everyday Filipinos. From salaried
workers and small business owners seeking accessible financial support, RCBC has developed
a range of loan products tailored to diverse needs. With a focus on digital accessibility, flexible
terms, and a customer-centric approach, these offerings are designed to ensure that no Filipino
is left behind in the pursuit of financial empowerment.
Secured and Personalized Loans for Working Filipinos
For employed individuals and their employers, RCBC offers Salary Loan NOW. With this
product, RCBC payroll account holders can apply digitally and receive their loan proceeds in
real time, directly credited to their accounts.
These loans are personalized based on salary and lifestyle, empowering employees with
greater financial flexibility. The goal is not just to support workers, but also to help employers
provide secure and meaningful financial solutions to their teams.
Petsa de Peligro No More! It’s Petsa de Payday Every Day.
Inspired by the common Filipino experience of petsa de peligro or the anxious days before
payday, RCBC’s Payday Now helps bridge the gap during the last stretch of the month.
Eligible borrowers can access up to 40% of their monthly salary through a simple, fully digital
application. Funds are disbursed instantly via the RCBC Pulz app, and repayments are made
convenient through automatic salary deductions.
For Every Need, There’s the Digital Personal Loan
RCBC’s Digital Personal Loan is a fully digital service that offers fast application, low interest
rates, and quick disbursement—perfect for busy Filipinos, both local and abroad.
Whether it’s for home upgrades, daily needs, personal growth, or lifestyle goals, this product
gives borrowers the freedom to fund what matters most. Professionals on the go especially
appreciate the speed and convenience of this digital-first loan service.
Inclusion at the Heart
Since launching its digital transformation in 2019, RCBC has become a trailblazer in inclusive
financial services. The bank has earned over 300 awards, including five consecutive wins for
“Best Bank for Digital” from Euromoney’s (formerly Asiamoney), for its commitment to combining
innovation with accessibility. Its banking leaders have emphasized “innovation with inclusion”
with the availability of its Filipino-friendly loan products.
Arniel Vincent Ong, President and CEO of RCBC Bankard Services Corp., expressed
enthusiasm about the bank’s shift toward digital loans:
“Digital services have ceased being luxuries, and have become needs. By digitizing our loan
application processes end-to-end, we expand loan access to a wider segment of the Philippine
society while being aligned with the Philippine agenda on digitalization and inclusion,” Ong said.
About RCBC:
RCBC is the leading digital challenger bank and among the fastest-growing universal banks in
the country, leapfrogging from eighth position in 2018 to fifth in 2024 in the list of the Philippines’
largest privately owned banks in terms of assets. Among its over 300 global recognitions include
being awarded as the Philippines’ Best Bank for Digital by Asiamoney and Euromoney for five
straight years (2020-2024), the sole Philippine winner in the Singapore Fintech Festival (SFF)
Fintech Excellence Awards 2024 as Sustainable Innovator of the Year, and ASEAN’s Best
Customer Experience Bank by the ASEAN Fintech Forum Awards 2025.
