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Getting Started

Welcome to Komo! To help you get started, we put together a simple guide on how you can open an account, deposit money, enjoy high interest rates, and more. Just scroll down to start or click one of the links below to jump to a specific section.

  1. Account Opening

  2. Depositing to Your Account

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Account Opening

First, let's create your digital savings account. Just follow the steps below to install the Komo app and apply for an account. Komo is an exclusively digital banking service, so you can complete your application with just one valid ID, a smartphone, and a stable internet connection.

Step 1: Visit the Play Store, App Store, or App Gallery and download the Komo app for free.

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Step 2: Once installed, open the Komo app, read through the introduction screens, and tap 'Create Your Bank Account'. Confirm your intention to open a bank account by tapping 'Got it!' on the next page.

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Step 3: Next, you will be asked to answer some questions to allow us to get to know you better. Please answer as accurately and honestly as possible.

Note: Komo is currently available to Filipino citizens only, however we are always striving to make Komo better. If you would like to suggest any features or services, feel free to send us a message through our social media or support channels.

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Step 4: Before creating your account, please read and agree to the Terms and Conditions for using Komo.

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Step 5: You will receive a one-time-PIN (OTP) through text message. Enter this number into the app to continue.

Remember: Never share your OTP with anyone. Komo representatives will never ask you for your passcode, PIN, or OTP under any circumstances.

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Step 6: Create and confirm your 6-digit passcode. This is what you will use to log in to your Komo app in the future. Again, make sure to keep this passcode safe and do not share it with anyone.

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Step 7: For the next part, we will be capturing your valid ID and selfie. Allow access to your camera and follow the instructions that are shown on the screen. Make sure you also have a stable internet connection and are in a well-lit area.

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Step 8: Select the type of ID you want to use and take a clear picture of it. The details and photo on your ID must be clear and readable so that our team can verify your account properly.

For some IDs, you may be required to submit a photo of the back as well as the front. Make sure to check the indicator and submit the correct photo to avoid issues with your account approval.

We accept the following valid government IDs:

  • NEW! PhilSys ID

  • Passport

  • Driver's License

  • Unified Multipurpose ID (UMID)

  • Social Security System ID (SSS ID)

  • Professional Regulation Commission ID (PRC ID)

  • Postal ID

  • Voter’s ID

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Step 9: Next, you will be asked to take a live selfie. Follow the on-screen instructions and move the phone closer or farther away as instructed. Make sure you are in a well-lit area, your entire face is visibile, and you are dressed appropriately to avoid issues with account approval.

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Step 10: Allow a few minutes for the photos to be uploaded. Once your ID and selfie have been successfully uploaded, we will just need you to provide some basic information for your account. This is to comply with BSP regulation and ensure the safety of your account. Again, please make sure to give complete and accurate answers (i.e. full name including your middle name, complete address, etc.) to avoid delays or account disapproval.

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Step 11: Next, you will be asked to choose the name you would like to be printed on your Komo debit card. Remember to double check the spelling since we will not be able to change this anymore after the application is submitted.

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Step 12: Lastly, double check all your information to make sure it's correct and complete. Once you've submitted, you won't be able to edit any information during the account application review. You should receive a notification in a few days once your account has been approved.

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Depositing to Your Account

Now that you own a digital savings account, there are two ways you can deposit money and start enjoying high interest rates!

Depositing from the Komo

Step 1: Tap the plus (+) sign on the Komo dashboard


Step 2: Enter the amount that you wish to deposit to your account

Step 3: Click Proceed

Step 4: Select the bank of your choice

Step 5: Log-In using the username and password of the bank chosen

Step 6: Complete your log-in by entering the One-Time-Pin sent to your mobile

Step 7: Select your source account

Step 8: Authorize the transfer using the code send to your mobile

Step 9: Transfer successful!

Another bank

Depositing from another bank

Step 1: Deposit money to your Komo account by using the Transfer to Other Banks feature of your other e-wallet or banking apps.​


Step 2: Provide your Komo account name and account number.


Step 3: If you’re transferring from EastWest Online: Select “EastWest Bank” as the receiving bank, and use the account number on your Komo app as the receiving account number (starts with 5000).

If you’re transferring from another bank app that’s not EastWest: Select “EastWest Rural Bank” as the receiving bank, and use the account number on your Komo app as the receiving account number (starts with 5000).


Step 4: Make sure to use InstaPay or PESONet for a successful transaction. Please note that Komo does not accept international remittances and attempting to transfer from an international account may result in floating transactions. 

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