The Tala Wallet saves you time and money

We make it easy to do more with the Tala Wallet. Borrow, pay, and send. Sa Tala, pwede!

Maximizing your credit,
made easy with Tala Wallet

The Tala Wallet gives you all of this, plus no minimum balance and no transaction fees.
All within the Tala app. 

Simply put, the Tala Wallet will save you time and money.

How it works

Download and open your wallet from the Tala app

Download or open the Tala app, and click on Tala Wallet. Follow a few easy steps from there.

Borrow and deposit

When you apply for credit, you can select your Tala Wallet as your deposit channel. Or follow the instructions to transfer funds to your wallet easily.

Use your money
how you’d like

Enjoy free cash transfers to e-wallets and banks, or pay your bills instantly using your Tala Wallet.

Grow your
credit limit

Tala Wallet holders can grow their credit limits faster. Get started today!

Protecting your money and data

Tala takes security of your personal information and money seriously. The Tala Wallet is backed by UnionBank, which is regulated by the BSP. Sending money via Tala is powered by InstaPay, so you can trust that your transaction is secure. Tala secures your personal information with SSL encryption. With Tala, you’re empowered to take control of your finances,
 save on costs, and transact easily, all within one app.
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Not approved for credit yet? No problem!

You can still save and spend funds using the Tala Wallet. Plus, you can gain access to Tala’s credit line over time by using the Tala Wallet.

Frequently Asked Questions

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 loan 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.

We’re not just another loan provider in the market. As your trusted financial partner, it is our mission to support and guide you through the ups and downs of managing your finances.

There are several things you can do with your Tala Wallet:
  • Disburse your loan in real-time and for free
  • Transfer cash quickly and for free, 24/7, via InstaPay
  • Pay bills with no fees for water, electricity, internet, and hundreds of other billers
  • Keep and save your cash in a safe and secure system
  • Repay your Tala loan instantly and for free

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.

Once your Tala Wallet is funded, 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