Save, send, and grow — together. The neobank built for Filipino breadwinners and the families they carry.
We're building Kindoo with OFWs, not just for them. Join early, and you'll be first in when we launch — and one of the people whose stories shape what we build.
One of our founders may reach out to hear how you send and save. Your experience will shape what we build.
Your place in lineAmong the first to get early access.
Every kababayan who joins with your link moves you up 10 places. Early access for your circle, and ipon for yourself — not only padala.
Not you?
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.
Your family gets their own real account, in their own name — not a wallet you control. Send for tuition, medicine or groceries, and the money arrives already knowing its job, ready to spend at the school, pharmacy or store.
Some purpose-bound padala arrives with a small premium.
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.
Free, practical guides for Filipinos working abroad: saving and sending money, visas and documents, contracts, shady recruiters and benefits, with sources you can check.
Free guides, with new ones every week.
Benefits & governmentStranded by the Riyadh airport closure? Here's the government help available, and how to ask for itThe DMW and OWWA have helped more than 1,700 OFWs affected by the King Khalid airport closure, with cash aid, shelter, food, medical care and flights home. Who qualifies, and where to go.2 min read
Work & contracts785 hotel jobs in Croatia through the government: how the G2G programme works, and how to get in lineCroatia is hiring Filipino chefs, waiters and hotel staff through the DMW's government-to-government programme, with no placement fee. Here's how to register and how to avoid fake recruiters.2 min read
Recruiters & scams₱20,000 for a factory job that didn't exist: how to spot an illegal recruiter before you payA fake recruiter was convicted after taking ₱20,000 for a non-existent Taiwan factory job. Here's how to check any agency in two minutes, the warning signs, and where to report.2 min read
Visas & documentsDo you need your contract verified before getting an OEC? A simple guide for OFWs in SingaporeChanged employer, job or country? Your contract needs MWO verification before your OEC. Same employer, same job? You probably don't need it.2 min read
Work & contractsRetrenched in Singapore? What the law requires, what's expected, and what you can claimSingapore law doesn't require a retrenchment payout, but if you've worked two years or more, the expected norm is two weeks to one month's salary per year of service. Here's how it works and where to get help.3 min read
Work & contractsYour rights as a domestic helper in Hong Kong, including the new HK$5,220 minimum wageThe minimum wage is now HK$5,220 for new contracts. Here's what else your contract guarantees.3 min read
Work & contractsNew to Hong Kong? What your first months really cost, and what you should never payWhat your employer must pay, what's genuinely yours to cover, and the fees you should never hand over.2 min read
Sending money homeChristmas padala, planned in October: give generously without the January crashHow to plan your Christmas padala in October: set one budget, save first, send early, give gifts that arrive as what they're for, and avoid the January crash.3 min read
Benefits & governmentHow to renew your OWWA membership online, step by stepRenew from your phone in five steps and pay with GCash, with no office visit.2 min read
Money & savingsSave for yourself first: an ipon plan that survives the padalaWhy so many OFWs come home with nothing saved for themselves, and a practical ipon plan that works alongside the padala instead of against it.4 min read
Sending money homeWhat a padala really costs: check any transfer in two minutesHow to work out the true cost of any remittance, fee plus exchange-rate margin, in two minutes, with a worked example.3 min read
Work & contractsSingapore's new scholarship for Filipino nurses: who it's for, and what we know so farSingapore and the Philippines signed a scheme to train experienced Filipino nurses in Singapore's public hospitals as nurse educators who'll return home to teach. Applications haven't opened yet.3 min read
Visas & documentsRenewing your UAE employment visa, and what changes if you switch employersYour employer leads the renewal, but you still have steps to do, like the medical test and Emirates ID. And if you're changing jobs instead, here's how to move without leaving the country.3 min read
Visas & documentsCancelling your UAE residence visa: how it works, how long you can stay, and what to do if your employer has your passportLeaving the UAE or changing jobs? Your employer cancels your work permit and visa, and the grace period starts. Your employer can't keep your passport.2 min read
Visas & documentsBringing your children to the UAE: the real salary rule, and who you can sponsorIs it AED 10,000 or AED 4,000? The UAE's standard rule for sponsoring your children is AED 4,000 a month, or AED 3,000 plus accommodation. Here's who qualifies and what to prepare.2 min read
Benefits & governmentWhat OWWA actually does for you: its five areas of help, explainedFrom the seminar before you leave to help when you come home, here's what your OWWA membership covers, area by area, and when to use each one.2 min read
Benefits & governmentSenate Bill 2423: reintegration support six months before you come home, and why there's nothing to register for yetSenate Bill 2423 passed the Senate on 8 October, but it isn't law yet, so there's nothing to register for.4 min read
Benefits & governmentThe OFW lounge at NAIA Terminal 3: beds, showers, free food, and the six-hour ruleFree beds, showers and meals for departing OFWs, as long as you stay under six hours.2 min read
Sending money homeWhy the remittance centre asked where your money came from, and what to show themBeing asked for proof of funds isn't an accusation. Here's why shops ask, and what to bring.2 min read
Money & savingsThe peso keeps hitting record lows. Here's what to do with the extra pesosThe peso has set more than 20 record lows in 2026. What it means for your padala, why timing the rate doesn't work, and how to save the difference.3 min read
Benefits & governmentSSS, PhilHealth and Pag-IBIG from abroad: what you pay, what you get, and how to stay currentWhat SSS, PhilHealth and Pag-IBIG cost an OFW in 2026, what each one protects, and three habits that keep them from lapsing.5 min readBenefits & governmentStranded by the Riyadh airport closure? Here's the government help available, and how to ask for itThe DMW and OWWA have helped more than 1,700 OFWs affected by the King Khalid airport closure, with cash aid, shelter, food, medical care and flights home. Who qualifies, and where to go.2 min readVisas & documentsRenewing your UAE employment visa, and what changes if you switch employersYour employer leads the renewal, but you still have steps to do, like the medical test and Emirates ID. And if you're changing jobs instead, here's how to move without leaving the country.3 min readVisas & documentsDo you need your contract verified before getting an OEC? A simple guide for OFWs in SingaporeChanged employer, job or country? Your contract needs MWO verification before your OEC. Same employer, same job? You probably don't need it.2 min readBenefits & governmentWhat OWWA actually does for you: its five areas of help, explainedFrom the seminar before you leave to help when you come home, here's what your OWWA membership covers, area by area, and when to use each one.2 min readWork & contractsNew to Hong Kong? What your first months really cost, and what you should never payWhat your employer must pay, what's genuinely yours to cover, and the fees you should never hand over.2 min readSending money homeWhy the remittance centre asked where your money came from, and what to show themBeing asked for proof of funds isn't an accusation. Here's why shops ask, and what to bring.2 min readMoney & savingsSave for yourself first: an ipon plan that survives the padalaWhy so many OFWs come home with nothing saved for themselves, and a practical ipon plan that works alongside the padala instead of against it.4 min readWork & contractsSingapore's new scholarship for Filipino nurses: who it's for, and what we know so farSingapore and the Philippines signed a scheme to train experienced Filipino nurses in Singapore's public hospitals as nurse educators who'll return home to teach. Applications haven't opened yet.3 min readRecruiters & scams₱20,000 for a factory job that didn't exist: how to spot an illegal recruiter before you payA fake recruiter was convicted after taking ₱20,000 for a non-existent Taiwan factory job. Here's how to check any agency in two minutes, the warning signs, and where to report.2 min readVisas & documentsBringing your children to the UAE: the real salary rule, and who you can sponsorIs it AED 10,000 or AED 4,000? The UAE's standard rule for sponsoring your children is AED 4,000 a month, or AED 3,000 plus accommodation. Here's who qualifies and what to prepare.2 min readWork & contractsYour rights as a domestic helper in Hong Kong, including the new HK$5,220 minimum wageThe minimum wage is now HK$5,220 for new contracts. Here's what else your contract guarantees.3 min readBenefits & governmentThe OFW lounge at NAIA Terminal 3: beds, showers, free food, and the six-hour ruleFree beds, showers and meals for departing OFWs, as long as you stay under six hours.2 min readBenefits & governmentHow to renew your OWWA membership online, step by stepRenew from your phone in five steps and pay with GCash, with no office visit.2 min readBenefits & governmentSSS, PhilHealth and Pag-IBIG from abroad: what you pay, what you get, and how to stay currentWhat SSS, PhilHealth and Pag-IBIG cost an OFW in 2026, what each one protects, and three habits that keep them from lapsing.5 min readWork & contracts785 hotel jobs in Croatia through the government: how the G2G programme works, and how to get in lineCroatia is hiring Filipino chefs, waiters and hotel staff through the DMW's government-to-government programme, with no placement fee. Here's how to register and how to avoid fake recruiters.2 min readVisas & documentsCancelling your UAE residence visa: how it works, how long you can stay, and what to do if your employer has your passportLeaving the UAE or changing jobs? Your employer cancels your work permit and visa, and the grace period starts. Your employer can't keep your passport.2 min readWork & contractsRetrenched in Singapore? What the law requires, what's expected, and what you can claimSingapore law doesn't require a retrenchment payout, but if you've worked two years or more, the expected norm is two weeks to one month's salary per year of service. Here's how it works and where to get help.3 min readBenefits & governmentSenate Bill 2423: reintegration support six months before you come home, and why there's nothing to register for yetSenate Bill 2423 passed the Senate on 8 October, but it isn't law yet, so there's nothing to register for.4 min readSending money homeChristmas padala, planned in October: give generously without the January crashHow to plan your Christmas padala in October: set one budget, save first, send early, give gifts that arrive as what they're for, and avoid the January crash.3 min readMoney & savingsThe peso keeps hitting record lows. Here's what to do with the extra pesosThe peso has set more than 20 record lows in 2026. What it means for your padala, why timing the rate doesn't work, and how to save the difference.3 min readSending money homeWhat a padala really costs: check any transfer in two minutesHow to work out the true cost of any remittance, fee plus exchange-rate margin, in two minutes, with a worked example.3 min readTwo-time fintech-unicorn CEO. Founding CEO of TrueMoney Philippines, taking it from zero to 7M people and 20K+ centres, and early CEO of GCash, from 10K to 3M. 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+ people. 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