Rizal Commercial Banking Corporation (RCBC) reported strong full-year 2025 performance across its digital banking platforms RCBC Pulz, DiskarTech, and ATM Go, underscoring sustained growth in digital payments, financial inclusion, and cross-border banking services.
The bank’s strategy of connecting Filipinos locally and overseas through digital channels delivered robust multi-year results, posting five-year compound annual growth rates of 111.26 percent for DiskarTech, 50.88 percent for RCBC Pulz, and 28.42 percent for ATM Go.
RCBC Pulz, the country’s first digital banking application that allows Filipinos worldwide to open an account using a single international mobile number and one valid government-issued ID, recorded a 59 percent increase in transaction volume and a 48 percent rise in gross transaction value in 2025. Transactions coursed through InstaPay likewise expanded by 59 percent during the year.
DiskarTech, RCBC’s mass-market digital banking platform, continued to scale rapidly. Combined transaction volume from its Basic Deposit Account and Regular Savings Account (RSA) rose by 22 percent. Growth was largely driven by RSAs, which posted a 45,097 percent surge in transaction volume, a 10,362 percent increase in gross transaction value, and an 18,042 percent rise in customer deposits.
The expansion was supported by the rollout of MySSS Mastercard-powered debit card accounts. Comparing daily average user onboarding before the card’s launch from January to September 2025 with the period following its introduction from October to December, DiskarTech account openings jumped by 963 percent.
ATM Go, RCBC’s bank-agnostic, last-mile and community-based automated teller machine network, maintained full nationwide coverage across all Philippine provinces and cities. The platform recorded a 21 percent increase in transaction volume and a 23 percent rise in gross transaction value, reinforcing the bank’s efforts to extend formal banking access to rural and underserved communities.
RCBC also posted strong growth in digital lending. Gross transaction value climbed by 87 percent, while transaction volume increased by 39 percent. Digital loans now account for 65 percent of the bank’s total unsecured loans portfolio, achieved just one and a half years after launch.
“This performance reflects disciplined execution and our focus on using digital channels to deliver practical solutions at scale,” said Lito Villanueva, RCBC executive vice president and chief innovation and inclusion officer. “Our priority remains expanding access, improving efficiency, and ensuring that digital banking creates measurable value for customers, communities, and the broader financial system.”
As the fifth-largest privately owned bank in the Philippines by assets, RCBC continued to strengthen its cross-border banking capabilities, particularly for overseas Filipino workers and migrants requiring efficient international payment and account services.
In 2025, RCBC Pulz partnered with US-based payments solutions provider Meridian to introduce the country’s first US virtual account offered by a private universal bank. The service caters to freelancers, remote workers, outsourced professionals, and digital nomads, allowing them to receive earnings and convert funds into Philippine pesos or any of eight supported foreign currencies directly within the Pulz app.
DiskarTech further advanced its role in inclusive finance after becoming the first digital banking platform studied by Mastercard in relation to sustainable finance developments in Asia. Following the study, RCBC expanded access for Social Security System members through the rollout of the MySSS Mastercard-powered debit card.
The MySSS card has the potential to serve more than 42 million SSS members, enabling retail transactions across the Mastercard network while providing access to MySSS digital services and DiskarTech banking features through a single card and application.
RCBC also expanded ATM Go’s footprint through partnerships with government agencies, including the Department of Tourism. The initiative allows entrepreneurs in rural and tourism-focused areas to earn income by facilitating cash withdrawals for domestic and foreign tourists using internationally issued debit cards. This complements the bank’s continued rollout of QR-enabled cardless withdrawals and the expansion of digital access points through money service business partners nationwide.