MySSS Card: Your New SSS ID and Debit Card in One

For years, Filipinos relied on the UMID card as their proof of identity with the Social Security System (SSS). But lining up at banks, waiting weeks for benefit credits, and struggling with disbursement enrollment became all too familiar.

In October 2025, that system officially changed. The MySSS Card—the newest ID + debit card in one—was launched to make life easier for millions of SSS members, pensioners, and beneficiaries.

Here’s everything you need to know about this new card: what it is, who can get it, how to apply, and why it matters.

mysss card
Credits: MySSS.gov.ph

What is the MySSS Card?

The MySSS Card is a dual-purpose card that combines identification and banking functions in one secure, modern package.

  • Official SSS ID – It replaces the old UMID card as your primary SSS identification.
  • Debit Card – It’s linked to a partner bank savings account, where all your SSS benefits, pensions, and loans will be automatically credited.

Unlike the UMID, which functioned mostly as an ID, the MySSS Card is built for today’s digital and financial needs.

Key security features:

  • EMV chip – Protects against card fraud.
  • Biometric authentication – Matches your National ID photo and facial scan.
  • PhilSys eVerify integration – Ensures authenticity through the Philippine Identification System.

Who Can Apply for the MySSS Card?

The MySSS Card is open to a wide range of SSS users:

  • Active or voluntary SSS members
  • Pensioners
  • Beneficiaries and claimants (e.g., dependents, widows, orphans)
  • Representative payees

Requirements:

  • Permanent SS number
  • Active My.SSS Portal account with updated personal info
  • Registration with the National ID (PhilSys) system

If you still have an old UMID card, it remains valid. But SSS encourages members to upgrade to the MySSS Card for faster transactions and access to more features.

Partner Banks for the MySSS Card

The rollout started in partnership with RCBC through its DiskarTech app. More banks will soon be onboard:

  • Asia United Bank (AUB)
  • China Bank
  • UnionBank
  • And other SSS-accredited banks

This means you’ll eventually have options when choosing your banking partner.

How to Apply for the MySSS Card

Getting your MySSS Card is designed to be simple and mostly online. Here’s a clear step-by-step process:

  1. Log In to the My.SSS Portal
  • Visit the official portal and enter your credentials.
  • Go to “MySSS Card” under the Services tab.
  1. Update Your Personal Details
  • Double-check your address, mobile number, and email.
  • Outdated info may delay your card delivery.
  1. Give Consent for Data Sharing
  • You’ll be asked to authorize SSS, PhilSys, and the partner bank to securely share your information.
  1. Facial Scan & Verification
  • The system cross-checks your PhilSys photo and may require a live scan for identity confirmation.
  1. Choose a Partner Bank
  • Select RCBC (for now) or future available banks.
  1. Open a Savings Account
  • For RCBC, use the DiskarTech app.
  • Other banks may allow in-app or branch opening.
  1. Wait for Delivery
  • Metro Manila: ~15 working days
  • Outside NCR: ~20 working days

Your MySSS Card will be mailed to your registered address.

Features and Everyday Uses

The MySSS Card is more than just an ID. Here’s how you can use it:

  • Government ID – Valid for SSS transactions. Other agencies may recognize it, but the National ID remains the primary government ID.
  • ATM/Debit Card – Withdraw cash from ATMs, shop online, pay bills, or use for transport fares.
  • Benefit Disbursement – All pensions, loans, and benefits go straight to this account. No need to enroll separately in DAEM.
  • Digital Banking – Enjoy online transfers, payments, and savings features depending on your bank.

Fees and Charges

  • Partner banks may impose a minimal card fee.
  • If the fee isn’t settled within the timeframe, your application may be canceled.
  • ATM withdrawal fees follow your bank’s standard rates.

Why the MySSS Card Matters

The launch of the MySSS Card marks a major milestone in government digital transformation. Here’s why it matters for ordinary Filipinos:

  • Faster Access to Benefits – Pensions and loans go directly to your card.
  • No More Long Lines – Skip the hassle of separate bank enrollment.
  • Financial Inclusion – Helps unbanked Filipinos open savings accounts.
  • Secure and Reliable – With biometrics and EMV, your identity and money are better protected.

In short: It’s your SSS ID and bank account in one card.

Frequently Asked Questions

  1. Do I need to surrender my UMID card?
    No. Your UMID remains valid, but the MySSS Card is encouraged for those who want faster disbursements.
  2. Can I choose my own bank?
    At first, only RCBC is available. More partner banks will be added.
  3. How long does it take to get the card?
    15 working days for Metro Manila, 20 days for provincial addresses.
  4. Can pensioners also apply?
    Yes. Pensioners, beneficiaries, and even representative payees are eligible.
  5. Is the MySSS Card also a valid ID for other government agencies?
    Yes for SSS transactions. Acceptance by other agencies depends on their policies, though the National ID remains the primary ID.

Conclusion

The MySSS Card is more than just a new ID—it’s the future of how Filipinos will access social security benefits. By merging ID, debit card, and disbursement account in one, the SSS has finally addressed the long-standing inefficiencies that members faced with UMID and DAEM.

Whether you’re an active member, a pensioner, or a beneficiary, this card promises faster, safer, and more convenient access to what you rightfully deserve.

If you’re ready to apply, log in to your My.SSS Portal today and start the process. Don’t wait until you need your benefits to secure the card—get it early and enjoy the convenience.

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