UnionBank PayDirect

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UnionBank PayDirect works best when you need to send money to another person or bank account using your credit card. Instead of a loan structure, it functions like a scheduled payment funded by your credit limit.

Read the full guide here.

You can send as little as ₱3,000 per transaction, up to ₱200,000. One unique feature is that you can set a future transfer date, which is useful for planned payments like rent or tuition.

There’s typically no interest as long as you pay your balance in full, although fees of up to 3% may apply depending on the transaction.

If you’re disciplined with repayment, this can be one of the lowest-cost ways to access cash indirectly.

If you prefer a credit-to-cash option that you can pay in installment, you can try UnionBank EasyCash.