What DiskarTech does

DiskarTech is the digital banking super app of Rizal Commercial Banking Corporation (RCBC), launched in 2020 as the Philippines' first and only Taglish (Tagalog-English) financial super app. It serves unbanked and underserved Filipinos through a freemium mobile platform that bundles savings accounts (Basic Deposit Account and Regular Savings Account with 4.00% p.a. interest), bills payment to 100+ billers, fund transfers via InstaPay (free) and PESONet (PHP 10 fee), QRPh Scan-to-Pay, e-load, sachet microinsurance (underwritten by Malayan Insurance starting at PHP 35), Pasado personal loans (PHP 20K-500K), telemedicine, and government benefit disbursement via the MySSS Card. The app runs on RCBC's regulated banking infrastructure with BSP oversight, PDIC deposit insurance up to PHP 500,000, and onboarding via video selfie eKYC with biometric login (fingerprint/Face ID).

The platform's primary customer segments are unbanked mass-market Filipinos, sari-sari store owners and micro entrepreneurs (who act as Paki-suyo commission agents), public school teachers (700,000+ via Gabay Guro), Cordilleran farmers and island community residents (via OREEi and Fresh Buys), and Social Security System members. DiskarTech's distribution advantage rests on RCBC's 1,500+ ATMs, RCBC ATM Go portable POS terminals in all 82 provinces, and a deep cash-in/cash-out network spanning Bayad Center, 7-Eleven CLiQQ, rural banks, cooperatives, and major pawnshop chains.

The business model generates revenue through multiple streams: interest spread on deposits, PESONet transaction fees, insurance and loan marketplace commissions, e-load markups, bills payment processing, and one-time card fees. Go-to-market combines product-led growth (zero-deposit app onboarding, gamified Missions/Rewards, referral incentives up to PHP 30K) with community-led acquisition via institutional partnerships and door-to-door onboarding. Strategic positioning emphasizes financial inclusion in a market where approximately half of adult Filipinos lack a basic deposit account, aligned with the BSP's 80x80 Agenda targeting 80% adult financial inclusion and 80% digital retail payments by 2028.

Name

DiskarTech

Legal name

DiskarTech (Digital Product of Rizal Commercial Banking Corporation)

Website

https://diskartech.ph

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

DiskarTech is the mobile banking super app of RCBC, the Philippines' first Taglish digital banking platform offering savings, payments, transfers, microinsurance, and loans to unbanked and underserved Filipinos across all 82 provinces.

Ownership category

akta.pro rank

Product category

Mobile Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)

akta.pro secondary industries

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Biller Direct EBPP Platforms (FSAMAJAA), Stored Value Ledger / Wallet Infrastructure (Non-Bank) (FSAMANAM), ATM / Cash Access Network Schemes (FSAMAAAH)

Keywords

• Mobile banking app
• Digital financial services
• Microinsurance products
• Cashless payments
• Savings account

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income on Deposits: DiskarTech earns interest spread on Basic Deposit Account (BDA) and Regular Savings Account (RSA) deposits. The app offers competitive interest rates (4.00% p.a. on balances up to PHP 50,000) to attract deposits which are RCBC deposits. Interest is calculated based on Average Daily Balance.
2. Fund Transfer Fees: Transaction fees for PESONet transfers (PHP 10 per transaction). InstaPay transfers are currently free as part of BSP financial inclusion initiative (per BSP Circular No. 1238, Series of 2026). Inter-bank fund transfer fees generate revenue.
3. Insurance Distribution Commission: Commission revenue from distributing sachet insurance products (as low as PHP 35 for Sari-Sari Store Insurance, PHP 130-900 for PanProtect products) underwritten by Malayan Insurance Corporation. Digital distribution reduces overhead costs and enables microinsurance penetration.
4. Loan Marketplace Facilitation: Platform fee or referral income from Pasado Loan marketplace connecting borrowers with third-party lenders. RCBC facilitates loan applications through DiskarTech but loans are originated by third-party lenders. Pasado Loans range from PHP 20,000 to PHP 500,000 with 19-34% EIR.
5. E-Load and E-Pins Sales: Revenue from selling electronic load credits and gaming pins through the app. Users purchase load starting at PHP 50 minimum value.
6. Bills Payment Processing: Fees from processing bill payments for partner billers including utilities (Meralco, Maynilad, Manila Water), telecommunications (PLDT, Smart, Globe), cable (Cignal), and government payments (SSS, Pag-IBIG).
7. MySSS Card Fees: PHP 200 card fee for MySSS Mastercard Debit Card issuance. During promo period (September-October 2025), fees were waived for qualified SSS members.

Pricing tiers

Go-to-market motion4 records

Distribution channels10 records

Marketing channels14 records

Core offering

DiskarTech is a mobile-first Taglish financial super app that provides all-in-one digital banking services including savings accounts with no initial deposit, bills payment, fund transfers, e-load purchase, sachet insurance, personal loans, telemedicine, and QR-based payments to unbanked and underserved Filipinos. The platform enables cardless ATM withdrawals across 1,500+ RCBC ATMs and extends cash-in/cash-out access through Bayad Center, 7-Eleven CLiQQ, pawnshops, and RCBC ATM Go agency banking terminals in all 82 provinces.

Product overview

DiskarTech is a single unified Taglish financial super app offered by RCBC, featuring a modular architecture where the core DiskarTech App serves as the primary platform. The product portfolio includes: core app features (savings accounts via BDA/RSA products, bill payments, fund transfers via InstaPay/PESONet/QRPh, e-load, insurance via sachet products, loans via Pasado, telemedicine), DiskarTech Lite for government payouts, the RCBC ATM Go portable POS terminal for agent banking, and the RCBC MoneyBela mobile human-assisted banking service. The MySSS Card adds a physical debit card layer. RCBC Pulz provides U.S. virtual accounts. Together, these products serve unbanked and underserved Filipinos through mobile-first digital banking with physical agent touchpoints.

Differentiator

Problem solved

Functional benefit

Brands

• DiskarTechPreneur: A virtual webinar and business case competition for senior high school students in partnership with the Department of Education, focusing on financial inclusion and entrepreneurship education.
• DiskarTech Lite
• Pasado Loan
• MySSS Card

Products and services

• DiskarTech Mobile App The core all-in-one mobile banking platform that enables Filipino users to open savings accounts, pay bills, transfer funds, purchase e-load, buy insurance, apply for loans, and access telemedicine services from a single Taglish-language application.
• DiskarTech Lite A streamlined version of the DiskarTech app designed to serve as a payout partner for government social assistance (ayuda) programs, enabling qualified beneficiaries without full banking access to receive digital payouts.
• RCBC ATM Go Portable mobile point-of-sale (POS) terminal deployed to accredited rural banks, pawnshops, cooperatives, and sari-sari stores. Enables ATM functions including deposits, withdrawals, balance inquiries, bills payment, fund transfers, e-loading, and remittances for unbanked communities across all 82 Philippine provinces.
• RCBC MoneyBela: Barangayan Banking Philippines' first mobile human-assisted remote banking service. Mobile banking agents travel to geographically isolated and disadvantaged communities to provide financial services where traditional bank branches do not exist, covering 42,000 barangays nationwide.
• Pasado Loan Personal loan product available through the DiskarTech app, offering loan amounts from PHP 20,000 to PHP 500,000 payable in 6 or 12 monthly installments, with loan proceeds credited instantly upon full verification. Available to employed or self-employed Filipino citizens aged 21-65.
• MySSS Card Powered by RCBC DiskarTech Physical Mastercard debit card co-branded with the Social Security System that enables SSS members to receive benefits and loan disbursements digitally, with ATM withdrawal functionality at any Mastercard-accredited ATM and full DiskarTech app access for fund transfers, bills payment, and cardless withdrawal.
• Basic Deposit Account (BDA) and Regular Savings Account (RSA) Digital savings account products offered through DiskarTech: Community BDA with secondary ID and PHP 10,000 monthly limit, Full BDA with primary government ID and PHP 49,700 limit, and Regular Savings Account with unlimited deposits. All earn 4.00% p.a. interest on balances up to PHP 50,000 with no initial deposit or maintaining balance required.
• Sachet Insurance Products Affordable microinsurance products distributed through the DiskarTech app, underwritten by Malayan Insurance Corporation. Includes Sari-Sari Store Insurance (PHP 35 for 6-month fire/accidental death coverage up to PHP 25,000), PanProtect 130 (PHP 130 for ages 1-59, 6-month coverage), PanProtect Senior 195 (PHP 195 for ages 60-75), and PanProtect 600/900 (12-month plans with coverage up to PHP 100,000).
• Telemedicine Services Digital telemedicine consultation and medicine delivery service accessible through the DiskarTech app, allowing users to purchase remote medical consultations and have prescribed medications delivered directly to their homes.
• RCBC Pulz Digital banking product providing a U.S. virtual account for Filipinos without a U.S. address or residency, enabling cross-border financial access through the RCBC DiskarTech ecosystem.

Quantifiable outcome

• Reached 2 million downloads in 2 months, making it the fastest local finance app in the Philippines
• +5 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

19 partnerships are on record, tiered core and minor.

• Tambunting PawnshopcoreChannel Partner/ Reseller/ Distributor · 1 July 2026RCBC and Tambunting signed MOA to deploy RCBC ATM Go agency banking services across 100+ Tambunting branches. Enables deposits, QR withdrawals, Visa/Mastercard cash withdrawals, bills payment, mobile loading, remittances, and fund transfers. 57 branches already active with target of 101 branches by July 2026. Partnership strengthens RCBC ATM Go's position as one of country's largest grassroots agency banking networks in all 82 provinces.
• Embassy of IsraelminorStrategic or Co-development Partner · 1 July 2026Israeli Embassy reaffirmed commitment to support Philippines' fintech sector and digital transformation. Meeting with FinTech Alliance.PH and RCBC to discuss fintech, AI, cybersecurity, and digital innovation collaboration. Ambassador Dana Kursh expressed support for ASEAN Tech Summit Manila 2026.
• FinTech Alliance.PHcoreStrategic or Co-development Partner · 1 January 2026RCBC EVP Lito Villanueva serves as founding chairman of FinTech Alliance.PH. Alliance drives Philippines' 80x80 Agenda (80% adults in formal financial system, 80% retail payments digitalized by 2028). Partnership with Israeli Embassy for fintech, AI, cybersecurity collaboration. ASEAN Tech Summit Manila 2026 with 4,000 delegates from 30 countries.
• Innovations for Poverty Action (IPA) PhilippinesminorStrategic or Co-development Partner · 1 January 2026Research collaboration to study price effects of digital payments on financial behaviors. Research team includes Ateneo de Manila University, College of William & Mary, National University of Singapore, University of Sydney. Active DiskarTech users randomly selected for study with potential InstaPay fee discounts. 3-month study with follow-up phone survey.
• Social Security System (SSS)coreStrategic or Co-development Partner · 1 September 2025MySSS Card powered by RCBC DiskarTech enables SSS members to receive benefits and loan disbursements digitally. Card fee PHP 200 (waived during Sept-Oct 2025 promo). MySSS Card serves as Mastercard debit card for ATM withdrawals at RCBC/ATM Go/partner outlets. Integration with PhilSys National ID for KYC.
• Department of Education (DepEd)coreStrategic or Co-development Partner · 1 April 2023DiskarTechPreneur Bootcamp and Competition - virtual webinar and business case competition for senior high school students in NCR and Calabarzon. Extension program of RCBC DiskarTech's Aralin sa Madiskarteng Pananalapi Financial Education module. Champions financial inclusion and entrepreneurship. Mentors include SEC Commissioner, DTI Assistant Secretary, and industry leaders.
• Malayan Insurance CorporationcoreChannel Partner/ Reseller/ Distributor · 1 May 2021Partnership to distribute sachet insurance products through DiskarTech app. Products include Sari-Sari Store Insurance (PHP 35 for fire/accident coverage up to PHP 25,000) and PanProtect line (PHP 130-900 for COVID/chikungunya coverage). Malayan is RCBC's sister company in Yuchengco Group. Digital distribution enables microinsurance penetration.
• One Renewable Energy (OREEi)coreStrategic or Co-development Partner · 1 November 2020Partnership to provide digital financial services to 20,000+ residents in island communities. OREEi provides 24/7 renewable electricity to remote islands (previously 4 hours/day). DiskarTech and RCBC ATM Go enable savings accounts, bills payment, cash transactions, insurance. Posible serves as digital partner for ORE communities. Addresses UN SDGs 7, 9, 10, 11, 17.
• Carl Balita Review Center (CBRC)coreStrategic or Co-development Partner · 1 November 2020Partnership to provide alternative livelihoods to reviewers affected by COVID-19 pandemic unemployment. CBRC's 120 branches nationwide distribute DiskarTech services. Reviewers can earn through Paki-suyo services (bills payment, cash-in, load, insurance). DiskarTech provides digital financial services, referral incentives, and microinsurance.
• Gabay Guro / PLDT-Smart FoundationcoreStrategic or Co-development Partner · 1 November 2020Partnership to provide digital livelihood to 700,000+ public school teachers. RCBC through DiskarTech offers Paki-suyo services for earning commissions. Teachers can perform bills payment, cash-in, airtime loading for neighbors. PSF promotes DiskarTech during Gabay Guro activities including financial education talks. Savings earn 3.25%-4.00% annual interest.
• Fresh BuyscoreGTM or Marketing Partner · 1 November 2020E-commerce partnership enabling Cordilleran farmers to sell produce digitally and access financial services. Farmers lost PHP 77 million in potential revenues during pandemic lockdown. DiskarTech enables digital payments and Paki-suyo services. Fresh Buys customers can pay using DiskarTech. Partnership includes financial inclusion seminars nationwide.
• ReselleecoreGTM or Marketing Partner · 1 November 2020Social ecommerce partnership to provide sustainable online livelihood to 18 million unemployed Filipinos affected by pandemic. Resellee sellers can market products through social media and earn commissions. Paki-suyo services through DiskarTech provide additional income. Resellee offers competitive vegetable prices enabling easy resale.
• Pasado Loan Marketplace LenderscoreChannel Partner/ Reseller/ DistributorLoans Marketplace connecting borrowers with third-party lenders. Pasado Loan amounts PHP 20,000-500,000 with monthly interest 1.58%-2.83% (EIR 19%-34%). Available to employed/self-employed Filipino citizens aged 21-65. RCBC collects requirements and matches with lender criteria. Third-party lenders handle origination and collections.
• Bayad CentercoreChannel Partner/ Reseller/ DistributorOver 2,000 branches for cash deposits and withdrawals to DiskarTech accounts. Primary cash-in/cash-out channel for bill payment ecosystem.
• Cebuana Lhuillier PawnshopcoreChannel Partner/ Reseller/ DistributorNational pawnshop chain for cash-in/cash-out services to DiskarTech accounts. Part of extensive pawnshop network including Villarica, H Lhuillier, Tambunting, CVM.
• BancNetcoreTechnology or IntegrationPayment network enabling ATM withdrawals and fund transfers. RCBC ATM Go enables BancNet cardholders to perform ATM functions at partner outlets.
• Philippine Payment Management Inc. (InstaPay/PESONet)coreTechnology or IntegrationReal-time (InstaPay) and batch (PESONet) electronic fund transfer services authorized by BSP. InstaPay free per BSP mandate; PESONet PHP 10 fee applies.
• Liga ng mga Barangay sa PilipinasminorGTM or Marketing PartnerAssociation of barangay (village) leagues for community-based financial inclusion outreach and barangayan banking initiatives.
• Rural Bankers Association of the Philippines (RBAP)coreChannel Partner/ Reseller/ DistributorAssociation of rural banks enabling DiskarTech services through member banks for rural financial inclusion.

Scale indicators17 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GCash: The dominant Philippine e-wallet/super-app operated by Mynt (Globe Fintech Innovations) under Globe Telecom. Competes head-to-head with DiskarTech for unbanked Filipino consumers with similar savings, payments, transfer, and lending products, but with significantly larger scale.
• Maya Bank: Philippine digital bank and e-wallet operated by Voyager Innovations (PLDT/Smart-backed), offering savings, payments, crypto, and lending. Directly comparable as a Filipino digital banking platform targeting mass-market consumers with a super-app model.
• UnionDigital Bank: Digital banking subsidiary of UnionBank of the Philippines, offering a mobile-first digital banking app with savings, payments, and lending. Comparable as a bank-led digital banking platform competing for the same unbanked/underserved Filipino segment.
• Tonik Digital Bank: Philippines' first neobank (standalone, non-bank parent), offering digital savings, deposits, and personal loans. Comparable as a digital-only deposit-taking platform in the Philippines targeting similar retail consumer segments.
• CIMB Bank Philippines: Digital-first bank in the Philippines and part of regional CIMB Group, offering mobile savings accounts, fund transfers, and consumer credit with no maintaining balance. Comparable as a digital-led bank competing for the same deposit and lending customers.

Emerging players

• GoTyme Bank: Joint venture digital bank between the Gokongwei Group and Tyme Group, offering digital savings and a kiosk-led onboarding model. Comparable as an emerging digital-first bank targeting mass-market Filipino consumers with simplified onboarding.
• Pru Life UK (Pulse app): Insurer-led digital financial services app in the Philippines offering insurance, savings, and health products via mobile. Comparable as an emerging digital financial services platform in the Philippines pursuing an app-first strategy with embedded insurance.

Broad incumbents

• GrabPay / GrabFin: Southeast Asian super-app with payments, lending, and financial services embedded in its ride-hailing and delivery platform. Comparable for the digital wallet/payments/embedded finance overlap, though operating as part of a broader consumer super-app rather than a banking-led product.

Others

• RCBC (Parent Bank): Rizal Commercial Banking Corporation—DiskarTech's parent bank and 5th largest private commercial bank in the Philippines. While not a direct competitor, RCBC's broader digital and branch infrastructure defines DiskarTech's capabilities and competitive context.
• Bayad Center: Philippine bill payment and over-the-counter financial services network used by DiskarTech as a cash-in/cash-out partner. Related as an adjacent channel rather than direct competitor, though its retail bill-payment offering partially overlaps.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/diskartech
• YouTubeyoutube.com/c/diskartech
• Facebookfacebook.com/DiskarTech
• LinkedInlinkedin.com/company/diskartech
• Instagraminstagram.com/diskartech

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DiskarTech