iBaaS Retail Internet Banking puts savings, loans, remittance, payments, and cards into a single self-service portal — for citizens and OFWs alike.
Self-manual onboarding flows built for two distinct customer journeys, fully digital from ID capture to first login.
A guided self-service flow for resident customers — ID verification, e-KYC, and account activation without a branch visit.
A parallel onboarding journey built for overseas Filipino workers, so an account can be opened before a customer ever sets foot in the country.
Balances, recent activity, and the tools customers reach for most — surfaced before they have to look for them.
A clear split between what's spendable now and the full account picture.
Balance, interest, and movement at a glance.
One tap to the actions customers repeat most often.
The latest activity across every linked account.
Live conversion for cross-border planning.
Re-send to the people customers pay most.
List, search, filter, and sort transactions synced live with the core banking system — export statements or download a single receipt on demand.
Debit card lifecycle management sits alongside transfer and remittance, so customers control both sides of every payment.
Order a debit card and activate it without a branch visit.
Follow a card's status from issuance to delivery.
Freeze, set limits, or manage channels on demand.
Move funds between own accounts or to other banks.
Send internationally with live currency conversion.
One list of payees for intra, inter, and cross-border transfers.
A Loan and Fixed Deposit calculator sits alongside applications, so customers can plan before they apply.
A single search-driven payments screen across every common household and lifestyle biller, with recent payments one tap away.
Cover bought the same way bills get paid — searched, compared, and confirmed in the same portal.
Bank notices and alerts in one thread.
Download statements by account and period.
Support flows reachable from any screen.
Manage personal details and security settings.
SMS OTP, email OTP, resend and verify, change and forgot password.
English, Bahasa Malaysia, and Tagalog throughout.
Locate the nearest branch with live details.
Find the nearest working ATM on a map.
A dashboard that adapts to how each customer banks.
Conversational support, available around the clock.