# Komo by EastWest — Keep Our Money Online! > Digital banking for savings, growth, and financial management with high interest. (iPhone/iPad app by EastWest Bank.) - Source: https://appshunter.io/ios/app/komo-by-eastwest/id1450590168 (this page in markdown: same URL + `.md`) - Developer: [EastWest Bank](https://appshunter.io/developer/1174131362) - Category: Finance - Price: Free - Rating: 4.50/5 from 28 App Store ratings · 60 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 166 MB - Languages: American English - Released: 2020-08-21 - Data updated: 2026-08-15 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/komo-by-eastwest/id1450590168/reviews.md ## What is Komo by EastWest? Komo is an exclusively digital banking service that helps you save smarter, grow your money, and manage your finances with high-interest savings, seamless transfers, bills payment, EastWest Rural Bank account linking and in-app loan application onboarding. Secure Your Savings Komo is backed by EastWest Bank and your deposits are held with East West Rural Bank, a member of PDIC and regulated by the BSP. This means your money is insured with the PDIC for up to P500,000. Grow Your Money Open a savings account in minutes and enjoy up to 2.5% interest per annum with no minimum deposit or maintaining balance. You can even track your daily interest earnings on the app! Control Your Money Do what you want with your money without paying unnecessary fees. With Komo, you can customize your insurance plan, transfer money to other banks, pay bills, and even withdraw cash for free! Say #HeyKomo All users are welcome to ask all their money related questions to make money management easier. With #HeyKomo, we'll help you understand why we need to save early on, set-up an emergency budget, or why they need insurance. So if you ever find yourself confused about personal finance and money management, we're just a hey away! Send us your money management questions over to hey@komo.ph Learn more about Komo or contact us through the following links: Website - https://www.komo.ph/ Facebook Page - https://www.facebook.com/KomoPH/ Community - https://www.facebook.com/groups/KomoPH/ Twitter - https://twitter.com/KomoPH Instagram - https://www.instagram.com/KomoPH/ Email - support@komo.ph Hotline - +63288881777 ## Key features - High-interest savings accounts - Seamless money transfers - Bill payment functionality - In-app loan application - Personalized financial advice - PDIC insured deposits ## Recent user reviews (10 of 60) All indexed reviews: https://appshunter.io/ios/app/komo-by-eastwest/id1450590168/reviews.md ### 1/5 — HIGHLY NOT RECOMMENDED *2026-02-09, version 1.0.50897* This app is NOT USER-FRIENDLY at all. Customer support failed to resolve the issue and completely unhelpful. I raised the same issue with customer support multiple times, yet there was no progress and no real help. I eventually recovered my account number on my own, without any assistance from the customer support. After that, when I tried to reset my password, I encountered another issue—I still couldn’t log in because the app says my old device is still registered. What’s worse is that this exact problem was already reported several times and customer support even called me about it, but nothing was resolved. Overall, the experience has been extremely frustrating and time-consuming. EXTREMELY NOT RECOMMENDED. ### 1/5 — Re-KYC problem *2026-01-26, version 1.0.50897* You are required to re-KYC via app and inform you that review would take 48 hours (what da 2 days). And then when you check the app, it ask you again to re-KYC. Then when I called the customer service she told me that the 1st ine was rejected and I need to re-KYC again. Seriously!!!! No text or notification that the 1st review was rejected. I have to wait 2 days just to know that. So much hassle. The re-KYC is a hard stop for you to do any transactions. What if you have an emergency and you need a money, how can we get our money. ### 2/5 — Unnecessarily hassle *2025-11-17, version 1.0.48690* You guys are making things unnecessarily hassle. First, you are not accepting digital National ID, which should be acceptable according to our “great government”, so I had to get other ID for the verification. It was a success tho—until you guys locked my account down after some time for unknown reasons. Called in to your hotline and the representative misinformed me that EWRB branched operate from Mondays thru Saturdays. Guess what? I left home early for nothing ‘cause the branch near us says they operate from Tuesdays thru Saturdays. ISTG I’m closing my account once I got my funds back. ### 2/5 — Poor Experience with Online Banking App *2025-11-03, version 1.0.47710* I’m very disappointed with the performance of this online banking app. The app often fails to work properly — especially during fund transfers. The OTP (one-time password) doesn’t arrive on time, and even after multiple attempts, the transaction still fails. This makes it completely unreliable for cashless transactions. In today’s digital age, users expect smooth and secure banking experiences, but this app causes unnecessary delays and frustration. It urgently needs improvement in stability, speed, and OTP delivery for a better user experience. ### 1/5 — Can’t re-KYC via app and customer support is useless *2025-10-28, version 1.0.47710* You really have to give it to EastWest for the most useless customer support and technical team. They will require you to re-KYC via app but you can’t click “Continue” to move to the next step. You can’t access your account if you don’t do re-KYC and customer support will just say they referred you to the appropriate department and then no one gets back to you unless you follow up daily. Don’t bank with Komo!!! ### 5/5 — User Friendly Digital Banking Experience *2025-09-19, version 1.0.46034* I’ve been using this digital bank app for years now, and overall, it’s a solid choice for anyone looking for a simple, high-yield banking experience. ### 3/5 — Unable to proceed after KYC resubmitting *2025-09-10, version 1.0.46034* I’m stuck at the “Sorry we can’t update your account” screen after resubmitting some KYC documents last Saturday. Nothing happens when I tap the “Continue” buttom, nor the close icon. CSR says account is active and just needs me to resubmit my ID but the app won’t let me proceed. ### 2/5 — Bank transfer *2025-09-07, version 1.0.46034* Good day. I’d like to raise a concern regarding your app. Almost every day, I encounter issues when transferring money. The app always says “transfer unsuccessful, try again later”, and there’s no explanation or reason given. This has been happening repeatedly, and it makes the app very unreliable. I hope you can look into this matter and provide a clear reason or solution. ### 1/5 — Unable to Download/Access Komo App After Linking My Cards *2025-08-25, version 1.0.45104* I recently linked my cards to my Komo account, but now I can’t download or access the Komo app on my phone. I’ve already tried basic troubleshooting (checking storage, internet connection, and restarting my device), but the issue still persists. I have been doing this for the past year and still cant get it to work. I just want to be able to log in and use my Komo account normally and be able to actually use the online banking and transfer money in and out if ever. But it’s very unreliable, can’t even get the support to get it fixed, what a poor service from the company. ### 2/5 — New update not compatible with small screen phones *2025-07-24, version 1.0.44398* New update not compatible with small screen phones. Can only click till forgot passcode. Number 0 is overlapping with version number and is not clickable. Delete button and biometrics also not clickable. You can’t login of you have 0 in passcode. ## Frequently asked questions about Komo by EastWest ### Is Komo safe to use? Yes, Komo is backed by EastWest Bank, and your deposits are held with East West Rural Bank, a member of PDIC and regulated by the BSP. This ensures your money is insured with PDIC for up to P500,000. ### What interest rate does Komo offer on savings? Komo offers up to 2.5% interest per annum on savings accounts with no minimum deposit or maintaining balance required. You can track your daily interest earnings directly within the app. ### Can I transfer money to other banks using Komo? Yes, Komo allows you to transfer money to other banks seamlessly and without incurring unnecessary fees. The app also supports free bill payments and cash withdrawals. ### How can I get help with personal finance questions on Komo? You can ask your money-related questions using #HeyKomo via email at hey@komo.ph. The service is designed to help you understand saving, budgeting, and insurance needs. ### What devices is Komo available on? Komo is available on iPhone, iPad, and iPod devices, supporting iOS operating systems. The app is designed for mobile use across these platforms. ### How often is Komo updated? The latest version of Komo is 1.0.53752, and it was last updated on March 11, 2026. While this indicates a recent update, specific update frequency is not detailed, but the app is actively maintained. ### What is the user rating for Komo? Komo has a strong user rating of 4.5 stars, based on 28 ratings. This suggests a generally positive user experience with the digital banking service. ### Does Komo have any hidden fees? Komo aims to help you manage your money without paying unnecessary fees. Features like money transfers and bill payments are offered for free. ## Version history (last 5 releases) ### 1.0.63786 — 2026-08-14 What's New: 1. Various app crash and bug fixes 2. UI/UX Enhancements ### 1.0.62463 — 2026-07-28 What's New: 1. Various app crash and bug fixes 2. UI/UX Enhancements ### 1.0.61580 — 2026-07-14 What's New: 1. Various app crash and bug fixes 2. UI/UX Enhancements ### 1.0.60551 — 2026-07-09 What's New: 1. Various app crash and bug fixes 2. UI/UX Enhancements ### 1.0.59350 — 2026-06-16 What's New: 1. Various app crash and bug fixes 2. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-15.*