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In this article you will learn all about UMID card, where it is used and how to get it. Digido accepts UMID card as an ID and you only need 1 ID to borrow money. You can apply for a loan online and get approved in just 24 hours.

All About UMID Card in the Philippines

Last updated: August 31, 2023

Written by: Digido Financial Writers Team | Reviewed by: Mark Anthony

Key takeaways:

  • UMID cards are the most affordable, free and valid ID cards in the Philippines.
  • Since it is a biometric ID card, you can use it for most transactions.
  • You only need to have a valid ID to get a Digido loan.
  • Digido accepts a number of identification cards including UMID.

Regular interactions with SSS, GSIS, PagIBIG, and National health insurance program are inevitable for any Filipino citizen. Even though these institutions have significant functional overlapping, each of them maintains a separate operational environment, including user identification. It necessitates the user to carry a handful of ID cards, even for routine activities. The massive expenditure on managing different systems and non-optimized human resources usage is a grave concern for the government.
The introduction of Multi-Purpose Unified ID (UMID) in the year 2010 as a standard identity card for Social Security System (SSS) of the Philippines, Government Service Insurance System (GSIS), National health insurance, and Pag-IBIG Fund was a great relief for both the Filipino and the government.

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What is a UMID card?

In simple terms, the UMID card  is a shared identity card for all your transactions in government-related institutions. The card carries all the cardholder’s relevant information such as name, sex, date of birth, address, photo, signature, and biometric data. UMID (unified multi purpose ID) system uses a contactless smart chip to store all this sensitive information making tampering or data manipulation impossible. SSS  is the lead agency for the implementation of UMID, and it eliminates the possibility of any chances of a duplicate or incorrect UMID card through extensive screening of each UMID ID application.

When a UMID card application for a the unified multi purpose card is received, the system will check the applicant’s fingerprint for any matches through a centralized biometric data matching system. If the system identifies any matching entries in its database, which contains millions of user data, it will reject the UMID card application form. Such a meticulous evaluation plugs the possibilities of a UMID duplicate, even with another identity, and establishes UMID as the most trustworthy ID across the Philippines. The UMID card has lifetime validity. It relieves the user from the worries for timely renewals and fees.

The UMID card is a valid passport voter’s ID as well. Adding ATM features to get UMID card is possible. One can use these UMID ATM cards to withdraw his or her SSS benefits and loans through ATM facilities throughout the country. You can also learn how to withdraw from GSIS UMID card.
All these features make UMID the most powerful identity card for a Filipino to have.

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How to Get a UMID Card in the Philippines?

Even though SSS is the primary agency for the implementation of UMID, other agencies are into this process of making it more streamlined and efficient.
For instance, SSS is responsible for issuing UMID cards for private-sector workers, Overseas Filipino Workers (OFW), self-employed individuals, and non-working spouses. The Government Service Insurance System (GSIS) takes care of the UMID card allocations for the public sector workers. For those who are not covered either by SSS or GSIS, National health insurance program will be the UMID distribution authority. The steps to acquire a UMID card are quite simple. You can submit the duly filled UMID card application form (also known as UMID ecard enrollment form) or E6 form with supportive documents at any designated centers according to your employment category.

After verifying the documents, the assigned officer will collect your biometric information using the data capture booths configured in the facility. Since the biometric information capturing is a must for UMID, the applicant’s physical presence is essential. Hence, UMID can’t be secured through online mode. Data capture booths are available across the country through nearest SSS branch and postal offices. Besides, there are mobile data capture services for offices, remote islands, and barangays as well. This wide distribution of data capture facilities at the country’s length and breadth makes securing UMID cards an uncomplicated and smooth endeavor for all. For OFWs, they can do the process while in the homeland or by visiting the nearest SSS branch with a biometric capture facility at their location.

SSS will check the card for any imperfections, and if everything is accurate, it will send the unified multi purpose ID (UMID) card through PhilPost (2). The delivery time can vary based on your location. If you cannot collect it in person, you can authorize someone for it by issuing an authorization letter. Once the UMID card is received, you have to activate your UMID card at the nearest SSS/GSIS office to use it. Similarly, you can add additional capabilities, such as ATM features, to the card by visiting the affiliated banks or bank counters available in the SSS office. UMID follows a First In First Out (FIFO) system of queue management for the application process.  Get a queue number and wait for getting a UMID card. There are no speed counters or priority categories to speed the process. So beware of hoax calls that offer you a speedy UMID card for a charge. This is how you will submit the GSIS UMID ecard enrollment to apply for a UMID card.


  • Is SSS ID same as Umid?
    No, they are different. The SSS ID is no longer produced, instead UMID has been used since 2011, which combined SSS, GSIS, Pag-IBIG and National health insurance program.
  • How much is the payment for Umid ID?
    The UMID card is free for someone who receives it for the first time.
  • Where can I find Umid number?
    It can be seen on the front side of the Mcard.

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UMID Card Requirements

UMID card is free of charge for first-time applicants. Below are the general eligibility criteria for the unified multi purpose cards for all categories of applicants.

• SSS members with an active the Social Security System number, valid date of coverage, and at least one month’s contribution;
• The applicant shouldn’t have been issued a UMID ID earlier;
• Active GSS members of the Philippines;
• National health insurance program members and indigent Filipinos who are not covered either by SSS or GSIS;
• A valid photo ID card;
• Duly filled UMID form.

There will be a charge of PHP 200 for getting a duplicate card.

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UMID ID Card Application for SSS Members

If you are an eligible Social Security System (SSS) member, you can apply for a UMID ID card online by following these simple steps:

A. Visit an SSS branch with an enrollment facility

Not all of SSS branch have an enrollment facility. The list of such facilities is available on the website, so choose the one that is suitable for you.

B. Submit the duly filled UMID application with the necessary supporting documents

The staff will check the validity of the information in their database.
The SSS number, name, date of birth, and sex in the application form must match the member’s information in the SSS database.
You should also present the original or certified copy of any primary valid IDs such as a passport, driver’s license, PRC ID, or seaman’s book for verification. Also, provide your email address or telephone number so that the SSS employees can contact you or provide updates whenever applicable.

C. Capture Your Biometric Information

The SSS office will have a biometric capture booth. They will use it to collect your data, such as photos, fingerprints, and digital signatures. After this, you can verify the details by checking the prototype shown on the screen. After submission, you will receive an acknowledgment, and it can be used to track UMID delivery progress.

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D. Wait for the UMID Card Delivery

You will receive the card through PhilPost. The delivery time varies based on your location, but it rarely goes beyond 30 days from your application date.

E. How to Activate your UMID Card in SSS?

Do you want to know how to activate a UMID ATM card of the Philippines? You can activate the UMID card from the SSS branch at the nearby SSS branches with UMID. You can add ATM functionality to your UMID ID cards by converting your UMID card to a UMID-ATM card. One can do this by visiting the kiosks of the UnionBank of the Philippines (UBP) available at most SSS branches. After the conversion, you can withdraw your benefits and loan proceeds from any Bancnet ATMs or Visa-branded ATMs for international transactions.

Anyone wishing to change their old SSS ID will have to pay a fee of PHP 200 directly to the SSS office where they will get a UMID card. As for pay the UMID card, if you get it for the first time, it’s free.

UMID Card Application at GSIS

We will now explain how to apply for a UMID ID card in the Philippines. The steps to get UMID card for GSIS members is almost similar to that of SSS. The steps are the following:

1. Go to any GSIS branch

GSIS branches are open from Monday to Friday from 8 a.m. to 5 p.m. without any breaks, including lunch breaks.

2. Submit the UMID requirements

You can submit the fully accomplished UMID application along with the photocopies of your ID proofs for the enrollment officer for scrutiny. You can fill in the GSIS eCard customer information record on the official website.

3. Undergo ID photo and biometrics capture

The enrollment officer will take your photograph and capture your biometric information. Verify the details and make corrections if necessary.
Once everything is complete, you will get a UMID eCard Release form for claim your UMID card.

4. Wait for updates

GSIS will update you about the status of your UMID ID through SMS or email. Once you receive the notification, proceed to the GSIS office where you submit the application and claim the card.

5. Claim your card

Submit the following documents to the card releasing officer to procure your card:
• UMID eCard Release Form;
• Accomplished Bank Customer Information Record (available at the GSIS branch);
• Original and photocopy of GSIS eCard, passport, SSS ID or two valid government-issued IDs.
Check the card for any discrepancies and ensure that the PIN mailer is readable.

6. Activate your new GSIS UMID card

a. Visit the nearest GSIS branch or any facility with the GSIS Wireless Activated Processing System (G-W@PS) kiosk;
b. Place the UMID card on the e-card reader and perform a fingerprint verification;
c. Once the verification is complete, you will receive a confirmation message;
d. The UMID card will become active within 72 hours.
The UMID application for Pag-IBIG members is identical to that of SSS members with SSS ID or GSIS members. Here the Pag-IBIG member has to submit his or her member’s data form, which can be downloaded from the website, as an identification document.

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Is UMID Card a Valid ID?

UMID is unique, tamper-proof, and has lifetime validity. It is the most widely accepted ID card throughout the Philippines for all types of transactions. Banks, credit corporations, and lenders such as Digido take UMID as a valid ID. Except for the use as a proof of citizenship, UMID has wide acceptance similar to a passport. Still, getting a UMID is easier than getting a passport.

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Digido Loan Requirements

Digido focuses on clearing the clouds of uncertainties in getting a loan when you are in need. Our loan procedures are simple and accessible to all.
Our fully automated loan lending system enables any Filipino citizen within the age group of 21 to 70 years to secure a loan around the clock without stepping out of home near Metro Manila or anywhere in the Philippines.
You only need to have a ID and working mobile connection for obtaining a personal loan up to PHP 25,000. Digido has a loan approval rate as high as 95%, and the money will reach you within a few hours.

Digido accepted as a valid ID cards, including UMID. Our list of approved ID cards includes the following:

  1. Driver’s license (PRC card);
  2. Philippine passport;
  3. UMID ID or UMID card;
  4. SSS ID;
  5. TIN ID card;
  6. New Phil-health Card (PVC Type);
  7. PRC card or seaman’s book.


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Articles Sources

  1. Philippine Postal Corporation, Philippines https://phlpost.gov.ph/

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Written by: Digido Financial Writers Team

Author pages:
Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.

Reviewed by: Mark Anthony

Author pages:
Mark Anthony is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.