Netbank Banking-as-a-Service Platform

Netbank is a Philippine rural bank licensed and regulated by the Bangko Sentral ng Pilipinas that operates an embedded finance platform for fintechs and digital platforms. It addresses the difficulty non-bank companies face in obtaining banking licences, settlement access and compliance infrastructure.

The platform is organised into four service groups: Collect-as-a-Service, Disburse-as-a-Service, Account-as-a-Service and Lend-as-a-Service, offered white-label through an API portal. Supported channels include bank transfers, QRPH, Instapay, over-the-counter and debit pull. Partners include payment processors, lenders, marketplaces and payroll providers.

• Collect-as-a-Service: collections through bank transfer, QRPH, over-the-counter and debit pull channels.
• Disburse-as-a-Service: payouts to accounts and wallets via Instapay and other rails.
• Account-as-a-Service: accounts opened and embedded directly inside partner platforms.
• Lend-as-a-Service: lending products offered through partner fintechs.
• API portal: documented APIs for integration by payment processors, lenders and marketplaces.
• Card issuing: card products launched in the past year, per the funding announcement.

• A Vietnamese fintech or e-commerce marketplace extending payouts and accounts to sellers in the Philippines.
• A lender or payroll platform using disbursement and collection rails for Philippine clients.
• A regional payment processor adding local settlement through a licensed bank partner.

• Lets fintechs launch accounts, cards, payments and lending without holding their own banking licence.
• Compliance, licensing and settlement are handled by the licensed bank in the background.
• One API integration covers collections, disbursements, accounts and lending products.
• Deposits are insured by PDIC up to PHP 1,000,000 per depositor, as stated on the site.

Embedded finance is growing across Southeast Asia as non-bank platforms add accounts, payments and credit into their own products. Banking-as-a-Service providers with local licences supply the regulated rails behind these offers. The Philippines is one of the markets where this model is expanding, even as regional fintech funding has slowed.

Philippine rural bank regulated by the Bangko Sentral ng Pilipinas. Series B announced 2026-04 led by Altara Ventures with BeeNext, Kaya Founders, January Capital, Oak Drive Ventures and Boleh Ventures. Reported 88% revenue growth and first profitable year in FY2025.