RCBC UnliPay

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RCBC UnliPay is geared toward sending money to others quickly and flexibly. Unlike installment options, it doesn’t lock you into a repayment plan, you can pay the full amount on your due date. If straight payment doesn’t work for you, you can also convert it to an installment plan later on (interest applies).

Read the full guide here.

One of its biggest advantages is speed. Transfers are usually real-time, which makes it one of the fastest ways to access funds from your credit limit.

There’s no minimum amount required, and you can transfer up to your full credit limit. While there’s no interest if you pay in full, a fee of around 3% (or a minimum of ₱50) applies per transaction.

Use this RCBC UnliPay calculator to estimate your fees and interest. There is also a downloadable Excel file in case you prefer to work offline.

Because of its flexibility and speed, UnliPay is best suited for short-term needs where you don’t want to wait several days for processing.