SSS UMID Pay Cards

The SSS UMID Pay Card is an upgraded version of the Unified Multi-Purpose Identification (UMID) card, issued by the Social Security System (SSS) in the Philippines. Designed to streamline access to SSS benefits and other financial services, this card functions as both a government-issued ID and a debit card.

With features that allow direct disbursement of benefits, ATM withdrawals, and online banking, the UMID Pay Card provides a convenient solution for managing your finances and accessing essential services.

SSS umid pay card
Credits: Union Bank / Facebook

Background on this Product

  • The journey began with the launch of the Unified Multi-Purpose Identification (UMID) card in 2014, which streamlined transactions and enhanced security by integrating member data with other government agencies like GSIS, Pag-IBIG, and PhilHealth.
  • Building on the UMID card’s success, the SSS partnered with Union Bank to introduce the UMID Pay Card in 2023, adding debit functionalities to the existing ID card.
  • This upgrade allows members to receive benefits, loans, and refunds directly to their linked accounts, promoting cashless transactions and greater financial access.
  • The development of the UMID Pay Card marks an important step towards digitalization and financial inclusion, particularly benefiting those in the informal sector who may lack access to traditional banking services.
  • This effort reflects the SSS’s commitment to leveraging technology to enhance government services and support the financial empowerment of its members.

Key Features and Benefits of the SSS UMID Pay Card

The SSS UMID Pay Card offers multiple advantages that make it more than just an ID.
Here’s a look at some of its most valuable features:

  1. Disbursement Account for SSS Benefits
    The UMID Pay Card doubles as a disbursement account, allowing SSS members to receive their benefits, loans, and refunds directly to their card.
    This feature removes the hassle of managing separate accounts and simplifies the process of accessing your SSS funds.
  2. ATM and Online Banking Capabilities
    Linked to a Union Bank or Rizal Commercial Banking Corporation (RCBC) savings account, the UMID Pay Card functions like a regular ATM card.
    You can withdraw cash, check your balance, transfer funds, pay bills, and make cashless purchases at various merchants.
    Online banking through Union Bank’s mobile app provides easy access to your account anytime, making financial management more convenient.
  3. Valid Government-Issued ID
    Apart from its banking functions, the card serves as a valid government-issued ID, recognized by various government agencies and institutions, including SSS, PhilHealth, Pag-IBIG, and GSIS.
    This dual-purpose nature makes it a valuable asset for both identification and financial transactions.
  4. No Required Maintaining Balance
    The linked savings account does not require a maintaining balance, making it accessible to all SSS members, including those who may have limited financial resources.
    This enables members to fully utilize the card without worrying about additional banking requirements.

Eligibility and How to Apply for the SSS UMID Pay Card

The SSS UMID Pay Card is available to select SSS members who have applied for the standard UMID card, including those whose cards are still pending release.

Here’s how you can upgrade to the UMID Pay Card:

  1. Log in to Your My.SSS Account
    Visit the SSS website and log in to your My.SSS account to start the application process.
  2. Provide Consent for Data Sharing
    Navigate to the “E-Services” tab and select the “Data Sharing Consent for UMID Pay Card” option.
    You will need to agree to share your information with the participating bank (Union Bank or RCBC).
  3. Download the Union Bank Mobile App
    To proceed, download the Union Bank mobile app from your app store and complete the required online form within the app.
  4. Account Activation
    Once your application is submitted, Union Bank will notify you when your UMID Pay Card savings account is successfully opened.
    After activation, you can start using the card for all its financial and identification functions.

Security Features of the SSS UMID Pay Card

The SSS UMID Pay Card is designed with robust security features to protect your personal and financial information:

  1. EMV Chip Technology
    The card uses EMV chip technology, which generates a unique code for each transaction, making it much harder for unauthorized users to access your account.
    This chip-based security is more advanced than traditional magnetic stripe cards, reducing the risk of fraud.
  2. Biometric Data Storage
    Your biometric data, including fingerprints and facial images, are securely stored in the card’s smart chip.
    This information helps verify your identity, so that only the rightful cardholder can access the account.
  3. Centralized Biometric Data Matching
    SSS employs a centralized system to match fingerprints against existing records, preventing the issuance of duplicate cards and protecting against identity theft.
    This system enhances the security of the UMID Pay Card and safeguards members’ personal information.
  4. Enhanced Physical Security Features
    The card’s physical design includes engraved personal information, a silver magnetic stripe, and advanced color patterns with international security standards.
    These features help prevent unauthorized reproduction of the card.

Convenience and Accessibility

The SSS UMID Pay Card is designed to make managing your finances and interacting with government services more accessible.

Its integration with Union Bank’s extensive network of branches, ATMs, and online banking platforms means that members can easily perform transactions, reducing the need for multiple cards and simplifying their daily tasks.

For those who rely on SSS benefits and other government services, the UMID Pay Card is a practical and secure tool that brings everything into one place.

Video: SSS UMID ATM Pay Card

UnionBank’s SSS UMID ATM Pay Card offers a convenient and versatile solution for everyday financial needs. This single card combines the functions of a government ID, savings account, and SSS UMID Pay Card, allowing users to receive SSS loans and benefits, transfer funds, and pay bills with ease. The card’s versatility simplifies financial management, making transactions more efficient and convenient. Download the UnionBank Online app and upgrade to the UnionBank SSS UMID ATM Pay Card today.

 

Conclusion

The SSS UMID Pay Card represents a monumental improvement in how Filipinos can access their SSS benefits and manage their finances.

By combining the functionalities of a government-issued ID and a debit card, it offers a seamless and efficient way to handle financial transactions and access government services.

Its enhanced security features maintain that members’ information is protected, while the no-maintaining-balance requirement makes it accessible to everyone.

For SSS members looking for a more convenient way to manage their benefits and finances, the UMID Pay Card is an invaluable tool that simplifies and secures their daily interactions with government services.

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