MySSS Card (Formerly UMID): How to Apply in 2026
Quick answer
The MySSS Card has replaced the SSS UMID card, so new applications are for the MySSS Card. You apply online in My.SSS, where SSS checks your identity against your National ID, then you open an account with an SSS partner bank. SSS charges nothing, but the bank may charge a card fee. The bank releases the card within 15 working days in Metro Manila and 20 working days elsewhere. UMID cards already issued stay valid.
What are the requirements?
You can apply if you are an SSS member, prior registrant, pensioner, beneficiary, claimant or representative payee and you have:
- An SS number tagged "permanent". See our SSS number guide if yours is still temporary.
- A My.SSS account. See how to register in My.SSS.
- An up-to-date local address, mobile number and email address in your SSS record. You can update your contact details in My.SSS.
- Registration in the National ID (PhilSys). You do not need the physical National ID card, but you must be registered.
- The same name and birth date in your SSS and National ID records. If they differ, correct the wrong record first at SSS or PSA.
If you live abroad and have no local address in your SSS record, you may still qualify if the partner bank you choose offers the card to members abroad.
No documents are uploaded to SSS. The partner bank may ask for its own documents when you open the account.
How much does it cost?
| Item | Amount | Notes |
|---|---|---|
| MySSS Card application in My.SSS | PHP 0 | No fee to SSS |
| Card fee of the partner bank | Set by the bank | Shown in the bank's terms; if you do not pay on time, the bank cancels your application |
| Other account fees | Set by the bank | Explained in the bank's terms and conditions |
How do you apply, step by step?
Online
Step 1: My.SSS
1. Log in to My.SSS at member.sss.gov.ph
2. Open the "Services" menu and click "MySSS Card"
3. Check your contact details and click "Proceed"
Update anything wrong first.
4. Read the consent for National ID eVerify and the use of your National ID photo
Tick the box and click "I Consent and Submit".
5. Click "Start Liveness" and follow the face-scan steps until you see that your National ID check was successful
6. Click "Proceed" and choose a partner bank from the list
Each bank has a link to its account features and terms. Click "Confirm Selected Bank/PFI".
7. Read the reminder that this account will receive all your SSS benefits and loans, and click "Proceed"
8. Tick the acknowledgment boxes and click "Confirm and Submit"
You get a transaction number on screen, by email and in your My.SSS inbox.
Step 2: The partner bank
1. Open your account through the bank's app or at a bank branch, depending on the bank
For RCBC, use the DiskarTech app.
2. Complete the bank's verification and pay its card fee, if any
3. Wait for the bank's SMS or app notice that your card is ready for pickup or delivery
Your MySSS Card is issued only after you finish Step 2 with the bank.
Walk-in
There is no walk-in application at SSS for biometrics. The card uses your National ID photo. Visit an SSS branch only to fix your SSS record, such as a wrong name or birth date. Find an SSS branch near you.
How long does it take?
- Step 1 in My.SSS: about 12 minutes, any time of day.
- Card release, Metro Manila: within 15 working days after your bank account is opened.
- Card release, outside Metro Manila: within 20 working days after your bank account is opened.
Where do you apply?
Online through My.SSS, then with the partner bank you chose. RCBC was the first partner bank. EastWest Rural Bank has also signed on as an issuer, mainly for members in rural areas. My.SSS shows the banks you can choose.
- Apply on the official website: https://www.sss.gov.ph/mysss-card/
- Find SSS offices
Is the UMID card still valid?
Yes. SSS says all SSS cards issued before, including the UMID, are still valid. You do not have to replace a working UMID card.
You can apply for a MySSS Card to replace a lost or damaged UMID card, or to update your information.
If you have a UMID ATM pay card with UnionBank: close that account at any UnionBank branch first. Then apply for the MySSS Card.
If you applied for a UMID card before and never claimed it: SSS branches send unclaimed UMID cards to the Identity Management Department at the SSS Main Office, which keeps them for 5 years. When you get an SMS or email that your card is there:
- Go to the SSS Main Office Identity Management Department.
- Show your acknowledgment stub or the SMS/email, and one primary ID (such as the National ID, driver's license, passport, PRC card or Seaman's Book) or two secondary IDs.
- Receive your card and sign the logbook. There is no fee.
If you live outside Metro Manila, ask your nearest SSS branch to have the card forwarded there for pickup. A representative can claim it with your letter of authority and IDs of both of you.
What is the difference between UMID and the MySSS Card?
| Point | UMID card | MySSS Card |
|---|---|---|
| New applications | No; replaced by the MySSS Card | Yes, in My.SSS |
| Where you apply | Was at an SSS branch, with photo and fingerprints | Online in My.SSS, then with a partner bank |
| Identity check | Biometrics at the branch | National ID eVerify and face scan |
| Bank feature | Only if upgraded to a UMID ATM pay card | Always a debit card with a savings account |
| Benefits and loans | Through the account you enrolled | Paid to the MySSS Card account automatically |
| Valid as ID | Still valid | For SSS transactions; other offices may accept it |
Is the MySSS Card an ATM card?
Yes. The MySSS Card is both an SSS ID and a debit card linked to a savings account with the partner bank. It has an EMV chip. You can use it for payments in stores and online, and SSS says it can also be used for public transport fares.
You do not enroll it separately in the Disbursement Account Enrollment Module. The MySSS Card account automatically becomes your main account for SSS benefits, loans and other proceeds. Your older enrolled accounts stay on record but are no longer used.
Your bank handles the card PIN and activation. Follow the bank's instructions when you receive the card.
What are the common problems and how do you fix them?
Name or birth date does not match your National ID
Correct the wrong record first, at SSS or at PSA, then apply. Give the update enough time before you apply again.
Temporary SS number
Make it permanent first. See the SSS number guide.
Not registered in the National ID
Register for the National ID first. See National ID registration.
Face scan fails or is slow
The step depends on your internet connection. Use a stronger signal and good light, and try again.
Application canceled
The bank cancels it if you do not pay its fee in time. Apply again in My.SSS.
You already have a MySSS Card with another bank
You can have only one MySSS Card at a time. Close the account with the old bank first. The bank tells SSS, and after deactivation you can apply with a new bank.
Card status questions
Contact your chosen bank directly. It produces and releases the card. You also get updates by email and in your My.SSS inbox.
Frequently asked questions
Is SSS still issuing UMID cards in 2026?
No. The MySSS Card is the new SSS ID that replaced the UMID card. Apply for the MySSS Card in My.SSS. UMID cards already issued remain valid.
Is my old UMID card still valid?
Yes. SSS says all previously issued SSS cards, including the UMID, are still valid. Replace it with a MySSS Card only if it is lost, damaged or your details changed.
What are the MySSS Card requirements?
A permanent SS number, a My.SSS account, an updated local address, mobile number and email in your SSS record, and National ID registration. Your name and birth date must match in SSS and National ID records.
How do I get a UMID ID now?
You cannot apply for a new UMID card. Apply for the MySSS Card instead: log in to My.SSS, open "MySSS Card" under "Services", pass the National ID check, choose a partner bank, then open your account with that bank.
Is the MySSS Card free?
SSS charges no fee. Your partner bank may charge a card fee and other account fees, disclosed in its terms and conditions.
How long before I get my MySSS Card?
Within 15 working days in Metro Manila and 20 working days outside Metro Manila, counted from the day your bank account is opened.
Do I need to go to an SSS branch for photo and fingerprints?
No. The MySSS Card uses your National ID photo, and SSS checks your identity online through National ID eVerify.
Is the MySSS Card a valid ID?
It is valid for SSS transactions. Other agencies and private companies may accept it, but they are not required to. The National ID is now the main official ID.
Can someone else pick up my MySSS Card?
Ask your bank. The bank releases the card, and SSS says you can check with the bank if an authorized representative may pick it up for you.
Can I apply for the MySSS Card if I live abroad?
Yes, if you meet the other requirements. Without a local address in your SSS record, you qualify only if the partner bank you choose offers the card to members abroad.
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