Built for the PhilippinesThe credit card that grows with you.
Free to open. No payslip, no ITR, no paperwork. Grow your credit with every dollar you earn and spend.
Free to open. No annual fee. Credit limits subject to eligibility review. Early access opening in waves. Already with 56? Log in
Every flow counts
How it works.
Virtual•••• 0056
Maria D. Santos
Quezon City, PH
01
Get the card
Free to open, fully online, no paperwork. Spend anywhere cards are accepted, pay your bills, live normally. Every habit starts counting.
You got paid · +$650
Salary received. Counts toward your limit.
Invoice paid · +$1,200
From a client in Toronto. Verified at the source.
Remittance · +$300
Counts toward your limit.
02
Get paid
Salary, freelance work, remittances, business payments: money that arrives under your own name finally counts as income.
$0
03
Grow your limit
Your income and spending are read in real time. As your 56 Score climbs, your limit follows.
Get paid
Easily get paid from abroad.
Invoice your clients. Receive remittances. Receiving money is free for you, and you keep 100% of what you bill.
Your client doesn't sign up
They pay your link by card, bank transfer, or USDC.
No FX until you withdraw
Earn, hold, and spend in USD. Convert to pesos only when you withdraw, to your bank, GCash, or Maya.
Every payment builds credit
Payments through your 56 link are verified at the source, and every one raises your limit.
Why 56 exists
We listen to you.
We believe fair banking is a right, not a privilege for the few.
With 56, we're changing that.
Trust & security
Your money is safe.
Ang pera mo, sa'yo lang.
Your money is yours alone: held with regulated partners, kept separate from 56's own funds, and withdrawable anytime. We never read your contacts or photos, and we never call your family.
Our trusted regulated partners
Your data builds your score. It is never sold.
FAQ
Questions, answered.
No. 56 is a credit card with rates stated clearly up front. We never access your contacts or photos, never use your data as collateral, and never harass anyone. Your limit comes from verified income and real spending, not from pressure.
Yes, that's the whole point. The account is free to open with just a valid ID. Banks need paperwork to trust you; 56 reads your actual income and spending instead, so informal and freelance earners can build a limit too. Credit limits start small and are subject to eligibility review.
Send a payment link or invoice from your account. Your client pays by card, bank transfer, or USDC, and the money lands in your account as US dollars, often within minutes depending on how they pay. There's no forced conversion: hold and spend in USD, and cash out to pesos whenever you choose.
Almost everything you do with 56: salary, freelance payments, remittances, and business income that arrives in your account, plus how you spend and pay your bills. Payments through your 56 link are verified at the source, so they count as earnings, not self-transfers.
Your limit starts small and grows as your 56 Score learns your real behavior: consistent income, steady spending, bills paid on time. No committee, no paperwork, no waiting in line at a branch.
The card is free to open with no annual fee. Receiving payments is free for you; your client covers a small service fee at checkout, shown before they pay. Withdrawing to pesos carries a small transparent fee, around 1%, shown before you confirm. On the card, you only pay interest if you carry a balance, at a fair rate stated before you spend a single dollar. Never the 10% a month of lending apps.
Yes. Your balance is held with our regulated partners, kept separate from 56's own funds, and you can withdraw it anytime. 56 can't lend or spend it.