Frequently Asked Questions

Getting Started

The Tala Wallet is a new mobile wallet that offers you a convenient and secure way to add and transfer cash, pay bills, build your savings goals, and unlock exclusive Tala benefits.

The Tala Wallet is an e-money instrument issued by the UnionBank of the Philippines. UnionBank and EON are regulated by the Bangko Sentral ng Pilipinas (BSP) with email address For more information on Unionbank, click here.

There are several things you can do with your Tala Wallet:
  • Disburse the money you borrowed from Tala quickly and for free
  • Pay bills for Meralco, Shopee, Maynilad, PLDT, and hundreds of other billers
  • Transfer cash quickly and 24/7 via InstaPay
  • Save your cash in a safe and secure system
  • Repay Tala instantly and for free

If you’ve been approved for a Tala offer:

We want to provide a hassle free  way for you to use your money.

When you disburse your loan to your Tala Wallet, you can pay bills directly from the Tala app. You can also send cash to family and friends or to your bank accounts and e-wallets via InstaPay! You can do all these within the Tala app – it’s fast, seamless, and convenient!

If you don’t have a Tala offer yet:

You can initially use the Tala Wallet to save money. When you cash in and save funds in your Tala Wallet you’ll have higher chances of getting pre-approved to borrow from Tala for the first time.

Even if you don’t have an active Tala offer or you don’t need to borrow at the moment, you can still use your Tala Wallet to pay bills, send money instantly via InstaPay, and to start on your savings goals.

All new customers who apply to Tala will be assessed for both of the following:

  • Borrowing money from Tala
  • Opening a Tala Wallet

For existing customers without a Tala Wallet, you’ll see an option to apply and open an account when you log in to your Tala app.

There are no fees required to open a Tala Wallet. There is also no maintaining balance needed.

As an e-money instrument, the funds in your Tala Wallet can only be redeemed at face value. It does not earn interest nor rewards and other incentives that are convertible to cash. Since it does not earn interest, the Tala Wallet is not considered a deposit account, hence it is not insured with the PDIC.

No, there is no maintaining balance required for your Tala Wallet.

You can save a maximum of  ₱100,000 in your Tala Wallet.

Maximizing your Tala loan with a Tala Wallet

Yes, you can! In fact, we encourage you to do this. Here’s why: 

  • You can disburse the amount you borrowed quickly and for free
  • Once disbursed, you can do fast, easy,  24/7 cash transfers via InstaPay
  • You can easily pay bills for water, electricity, and hundreds of other billers
  • You can use your Tala Wallet as a safe and secure system to keep and save your cash
  • When it’s time to repay Tala, you can do so easily and for free through your Tala Wallet

Adding Funds

You can easily add funds to your Tala Wallet through the following: 

  • Digital channels
    • E-wallets: GCash, Maya,, GrabPay
    • Bank apps via InstaPay: BDO app, BPI QuickPay, etc.
  • Physical cash in centers: 
    • 7-Eleven or UnionBank branches

To cash in, simply follow these steps:

  1. Log in to your Tala app and go to your Tala Wallet.
  2. Select “cash in” and choose your preferred cash in channel.
  3. Follow the additional instructions that are shown in-app.

Cash in fees will depend on your chosen channel:

  • Digital channels: Please refer to the cash in guidelines on your e-wallet or bank apps. 
  • Physical cash in centers: When cashing in via 7-Eleven, there’s a convenience fee of ₱10 for every ₱500.

While Tala doesn’t charge cash in fees, our partners like 7-Eleven and UnionBank may charge convenience fees to make fund transfers to your Tala Wallet easy and accessible.

The minimum & maximum amounts will depend on your chosen cash in channel:

  • Digital channels: Please refer to the cash in guidelines on your e-wallet or bank apps. 
  • Physical cash in centers: For 7-Eleven, the minimum amount is ₱200 and maximum is ₱500 per transaction.

Withdrawing Funds

You can cash out conveniently and securely via InstaPay to the digital channels listed below. Fund transfers are available 24/7 and will be credited to your receiving account quickly:

  • E-wallets: GCash, Maya,, GrabPay, and many more.
  • Bank apps: BPI, BDO, Metrobank, UnionBank, etc.

The minimum transfer amount is ₱100 and the maximum transfer amount is ₱50,000 per day.

Yes, effective September 12, 2023, the standard flat fee of ₱15 will apply for each InstaPay transaction. This will apply when you transfer out money from your Tala Wallet to another e-wallet or bank account.

Bills Payment

Yes, you can. Once your Tala Wallet has a balance, simply follow these steps to pay bills:

  1. Log in to your Tala app and go to your Tala Wallet.
  2. Select “pay bills” and choose a biller category e.g. water, electricity, etc.
  3. Search for the biller you want to pay and enter the requested information.
  4. Once your payment is successful, you’ll receive confirmation via text and email

The transaction fees will vary depending on the biller that you are trying to pay.

To know if there are transaction fees or none for your chosen biller, please carefully review your payment details before proceeding.

Tala supports hundreds of billers nationwide. Some of the most common billers are as follows:

  • Electricity: Meralco, Visayan Electric, Davao Light & Power Company
  • Water: Manila Water, Maynilad, Prime Water
  • Communications: Smart, Globe, PLDT, Bayantel
  • Cable & Internet: Sky Cable, Cignal, Converge
  • Government: NBI, DFA, LTFRB, NSO
  • and many more!

You can view the full list by going to your Tala Wallet and browsing through the different biller categories.

Yes, you can use the funds in your Wallet to repay the money that you borrowed from Tala. Payment happens instantly and there are no additional service fees.

Savings Goals

Savings goals is a feature of the Tala Wallet that lets you do the following:

  • Set your personal savings goal and target amount.
  • Personalize your goal name – for example: emergency fund or travel fund.
  • Receive reminders to ensure you add funds regularly and stay on track.
  • Monitor your progress and the growth of your savings.

Yes, you can edit your goal any time. 

Deleting your goal will remove the tracker that shows how much progress you have made. But don’t worry, it will not affect your wallet balance. You can always create a new goal any time with your Tala Wallet.

General Usage

Yes, you can. Even if you didn’t borrow from Tala recently, you can still use your Tala Wallet to pay bills, send money via InstaPay, or to simply save money. 

You can always fund your Tala Wallet through any of our cash in channels listed here.

Your Tala account will remain active. You can continue to cash in and use your Tala Wallet to pay bills, do cash transfers, or save, even if you are currently not able to borrow from Tala.

Customer Support

We’re always happy to help. Please send in the details of your concern through this form and our friendly customer experience advocates will assist you.


Tala shares limited personal data with UnionBank for the purpose of opening and maintaining your wallet. Conversely, UnionBank shares transaction data with Tala for reconciliation of funds. Rest assured that Tala employs the appropriate security measures when it shares your data with UnionBank. For more information on how Tala processes your personal data, you may access the Tala App Privacy Policy.