Save, send, and grow — together. The neobank built for Filipino breadwinners and the families they carry.
We're building with a small group of OFWs and families. Join the waitlist and help shape it.
Money lands in a zero-yield wallet or plain cash. A slice disappears in fees. Benefits quietly lapse back home. And the savings you meant to start never quite start — because there was never a place to put them that wasn't also the place everyone draws from.
Remittance apps compete on price and stop at the transfer. Nobody has built the bank for the person doing the sending. That's Kindoo.
Overseas Filipino Workers supporting families back home.
Sent home every year — and still growing.
Of the entire Philippine economy. Remittances from OFWs.
What too many have saved for themselves after all of it.
A slice of every deposit moves aside automatically — before it can be spent. Lock it for longer and it earns more. Your future stops competing with this month.
Day-to-day pesos in your own name. Transfers, bills, padala. Interest credited.
Set aside automatically, locked by your choice. Longer locks, better rates.
Your family gets their own real account, in their own name — not a wallet you control. When you send for tuition, medicine or groceries, the money arrives already knowing its job, ready to spend at the school, pharmacy or store.
Nobody has to ask. Nobody has to explain. You both see the same plan, and everyone gets on with their day.
Set it once and contributions keep going out from abroad, on time, every month. Your benefits keep building at home — no paperwork, no branch trips, nobody queueing on your behalf.
Entries are earned by doing the right things: keeping a savings streak, making a contribution on time. Never by how much sits in your account. Prizes are real household appliances, paid for by brand sponsors and delivered to your family. Your money never funds a prize.
We think you should know exactly where your money is before you send us a peso. So here it is, plainly.
Your deposits sit with licensed, BSP-supervised partner banks — in an account in your own name, not pooled in ours. Kindoo builds the app and keeps the records.
Every transfer displays the mid-market rate and exactly what we charge. No spread buried in a "zero fee" headline.
Interest on both pockets is set and paid by the partner bank on your own deposit — it isn't a rate we invent.
Kindoo is not a bank. Banking, deposit and remittance services will be provided by licensed partner institutions in each market. Kindoo is pre-launch — product features, rates and availability described here are what we are building, and may change before release.
Two-time fintech-unicorn CEO. Founding CEO of TrueMoney Philippines (0→7M customers, 20K+ centres) and early CEO of GCash (10K→3M customers). 10+ years scaling financial access across Southeast Asia; board member and advisor to Alipay Philippines and Pluang. MBA, Duke (Fuqua); BS Management Engineering (Hons), Ateneo de Manila.
Stablecoin last-mile and product operator. Co-founder of Ripe — off-ramps from stablecoins into GCash and GrabPay; backed by Alliance, Solana and Stellar. Former Head of CX/UX and product ops at Polymer Search; bootstrapped a consumer app to 50K+ users. MBA, Oxford; BA (Hons), University of Redlands.
We're opening early access to a small group of OFWs and families in Singapore, Hong Kong and the UAE.
Join the waitlist