UMID Card Application: MySSS Requirements, Fees and Steps

New SSS card applications

SSS now issues the MySSS Card instead of accepting new applications for the old UMID card.

If you already have an SSS-issued UMID card, you may continue using it. If you need a new SSS card, follow the MySSS Card application process below. Source: SSS official MySSS Card guide.

The Unified Multi-Purpose Identification (UMID) card was issued under the identification system associated with SSS, GSIS, PhilHealth and Pag-IBIG. Older instructions commonly told SSS members to visit a branch, submit a UMID application form, and have their photo, fingerprints and signature captured. That is no longer the current procedure for obtaining a new SSS card.

On October 1, 2025, SSS began accepting applications for the MySSS Card, a replacement for the old SSS UMID card. It combines an SSS functional ID with a bank-linked debit card. This guide explains what changed, how to apply, and what to do if you already have a UMID card. The launch date comes from the SSS announcement.

This page covers SSS-issued cards. If your UMID was issued through GSIS, ask GSIS about its own card services; the MySSS application below is not a GSIS application.

Which situation applies to you?

I need an SSS card

Apply for the MySSS Card through your My.SSS account and an SSS partner bank. You do not need to follow the old walk-in UMID biometrics procedure.

I already have a UMID

SSS says previously issued UMID and older SSS cards remain valid. You may apply for the newer MySSS Card if you need one.

UMID vs. MySSS Card: What changed?

Scroll horizontally to compare both cards →

Comparison of the old SSS UMID and the MySSS Card
Question	Old SSS UMID	MySSS Card
New applications	Superseded by the new SSS card program	Apply through My.SSS and a partner bank
Identity check	Previously required branch biometric capture	National ID eVerify and facial verification
Banking	Standard UMID did not automatically include a bank account; separate UMID Pay Card variants existed	Linked to an account at the selected partner bank
Existing card	Previously issued cards remain valid under SSS guidance	Current option for new card issuance

MySSS Card requirements: Who can apply?

SSS lists members, prior registrants, pensioners, individual claimants and representative payees as eligible applicants when they meet its requirements. Before starting, check the following:

Permanent SS number. Your SS number must have permanent status in SSS records.
My.SSS account. You must be registered on the official SSS website.
Updated contact details. Confirm that your local address, mobile number and email are current.
National ID registration. You must be registered in the PSA National ID system for eVerify identity matching.
Matching identity information. Your name and birth date in SSS records must agree with your National ID records.

If the names or dates of birth do not match, correct the affected government record before applying. The current application uses your National ID photo, so you do not need to visit an SSS branch just to have a new photo or fingerprints taken for the MySSS Card.

You may start without the physical National ID if you are registered and pass verification. The 2026 SSS Citizen’s Charter, PDF pages 63–65, also allows applicants abroad without a local address to qualify if their selected bank offers that service. This is conditional, not a promise that every bank accepts overseas applications.

Check the bank’s requirements before applying

The SSS checklist is only the first check. RCBC DiskarTech’s published MySSS FAQ currently excludes applicants with an active DiskarTech account or an enrolled UMID ATM/Pay Card. Existing customers should ask the bank about their available route before opening another account.

For a UMID Pay Card, first discuss switching with the issuing bank and SSS. Closing an account can affect where you receive money. Do not close it just to test whether a new application will work.

How to apply for the MySSS Card

The process has two stages: complete the SSS identity verification and bank selection online, then finish account opening with the chosen partner bank.

Step 1: Apply through My.SSS

Open the official SSS website and sign in to your My.SSS account.
Under Services, select MySSS Card.
Review your personal details and correct errors before proceeding.
Give consent for identity verification through National ID eVerify and use of your National ID photograph.
Complete the required facial verification to see the available partner banks.
Choose an available bank after reading its account features and terms. Review and accept the required data-sharing consents only after you understand the linked account.
Save your application transaction number and check your email and My.SSS inbox. You still need to complete the chosen bank’s process.

Step 2: Complete the process with the partner bank

Follow the instructions from your selected bank. Depending on the bank, account opening may take place in an app or at a branch.
Complete the bank's identity and account-opening checks.
Pay any applicable card or bank charges disclosed during the process.
Wait for the bank's notification about pickup or delivery.

If you choose RCBC DiskarTech: enter your MySSS Card transaction number in its app’s SSS-member registration route, then complete the requested government-ID upload and selfie check. Follow the bank’s card-request instructions after account approval. National ID verification at SSS does not replace this bank check.

SSS identified RCBC as the first participating bank when the program launched, with RCBC applications handled through its DiskarTech service. Check the choices shown in your My.SSS account for the banks currently available rather than assuming every announced bank has started issuing cards.

Example: Applying from outside Metro Manila

Suppose you live in Davao and have a permanent SS number, an active My.SSS account and matching National ID details. Start on My.SSS, choose a bank displayed in the application, and follow that bank's account-opening instructions. Under the SSS published service target, card release is within 20 working days after successful bank account opening—not necessarily 20 days after you first log in.

MySSS Card fee and release time

How much is the MySSS Card? SSS says the issuing bank may charge a card fee, and additional bank charges depend on that institution's terms. The former rule that the first UMID application was free must not be treated as a promise that a new MySSS Card is free. Review the charges shown by the bank before accepting its terms.

RCBC DiskarTech’s published card fee is ₱200, deducted from the account when the physical card is requested. Check the current in-app charge and any promotion’s conditions before paying. A temporary fee waiver should not be assumed to apply to every application.

How long does it take? SSS publishes the following timelines, counted after the bank account is successfully opened:

Metro Manila: within 15 working days.
Outside Metro Manila: within 20 working days.

These are published processing targets, not guaranteed arrival dates. RCBC’s FAQ specifies pickup at the selected RCBC branch in 15–20 working days, depending on location. Confirm the collection instructions before travelling; do not assume home delivery. Other banks’ release arrangements may differ. For questions about an individual application or a delayed card, contact the selected bank rather than assuming an SSS branch or PhilPost can locate it.

What happens to your existing SSS payout account?

The MySSS Card is also a banking decision. Its linked account becomes your main SSS disbursement account, and you do not separately enroll it in the Disbursement Account Enrollment Module (DAEM). Previously enrolled accounts remain on record but are no longer used for SSS benefit payments, according to the SSS card FAQ.

Before switching, ask SSS and the bank how to handle any pending payment. SSS permits one MySSS Card with one bank at a time. Changing the issuing bank requires closing the existing card account and completing deactivation before a new application; this also applies to UMID Pay Card holders.

Is the old UMID card still valid?

Yes. SSS expressly states that previously issued SSS cards, including UMID cards, remain valid. You do not have to discard a working UMID merely because the MySSS Card was introduced.

There is one important distinction: an ID being valid does not mean every business must accept it. SSS says the MySSS Card can be used for SSS transactions, but other agencies and private institutions are not required to accept the MySSS Card as an official identification document. If you need identification for a bank, employer, travel or another transaction, confirm that institution's accepted IDs in advance. The National ID is a separate identification system. Our Philippine ID guide introduces other documents, but the receiving institution’s current checklist determines what you should bring.

If your old UMID is lost or damaged, you can apply for the MySSS Card subject to the current eligibility and bank requirements. If your old UMID is also linked to a bank account (UMID Pay Card), check with SSS and the relevant bank before closing, replacing or switching it, as different banking procedures may apply.

What if you applied for a UMID years ago?

Ask SSS to check that earlier application before treating it as a new-card request. The 2026 Citizen’s Charter lists a separate service for releasing certain unclaimed UMID cards returned by branches to the SSS main office. That does not guarantee your card is available; SSS must confirm its status and collection requirements.

If your application cannot continue

You do not have a My.SSS account: register using the official SSS portal first.
Your SS number is not permanent: check with SSS about updating your membership record before applying.
National ID verification fails: compare your name and date of birth in both records and ask the appropriate agency to correct any discrepancy.
Your bank application or delivery is delayed: contact the selected partner bank and keep its confirmation or reference details.
You are being asked to pay a fixer: stop. Use only the official SSS portal and the partner bank you selected there.

For SSS record or portal concerns, start from the official SSS website. Keep the transaction number when asking for help. Never post your SS number, National ID details, bank credentials or verification codes in a public comment.

Frequently asked questions

Can I still walk into an SSS branch to apply for the old UMID?

For a new SSS-issued card, use the MySSS Card route through My.SSS and a partner bank. An inquiry about an earlier unclaimed UMID is a separate matter; ask SSS to check the old application.

Do I have to replace a working UMID with a MySSS Card?

SSS says previously issued SSS cards remain valid. You do not need to discard a working UMID just because the newer card exists. Check the requirements of the transaction you need to complete.

Can I apply without the physical National ID?

Yes. The 2026 SSS Citizen’s Charter allows an application without the physical card if you are registered in the National ID system and pass authentication. The bank still performs its own account-opening checks.

Can I get the MySSS Card without opening a bank account?

No. A partner-bank account is part of the MySSS Card arrangement. Consider the account terms and the effect on your SSS payouts before proceeding.

Does submitting the SSS application mean my card is ready?

No. The SSS confirmation is followed by the bank’s account-opening and card-issuance process. Save the transaction number and follow the bank’s instructions before visiting a branch to collect the card.

Where can I follow up on card production or pickup?

Contact the partner bank you selected and have your application reference ready. Check its notifications and your My.SSS inbox. SSS should handle questions about your membership record or an earlier UMID application.

Official sources and further reading

These are the SSS and issuing-bank references checked for this guide. Rules, participating banks and fees can change, so consult the official SSS application screen before submitting information.

Independent guide: PhilippineIDs.com is not affiliated with SSS or any Philippine government agency. Information reviewed on October 21, 2026.