SeaBank App Review 2025: Top Issues & How to Fix Them

Last Updated on January 17, 2026

SeaBank has long been a favorite digital bank for many Filipinos, thanks to its high-interest savings and free InstaPay transfers. But with the recent name change to MariBank, many are wondering, “Is the app still good?” and “What are the common issues in 2025?” I’ve personally used this app, and I know how frustrating it is when a seemingly simple banking app has a glitch. This article is a personal, honest SeaBank app review 2025 that directly tackles the biggest issues and, more importantly, tells you how to fix them. Let’s get real about the good, the bad, and the solutions for this app today.

Key Takeaways:

• Name Change: SeaBank is now MariBank, but the app is still named SeaBank.
• Top Issues: Login problems, OTP delays, and slow customer service are common.
• Solutions: Most problems can be solved by checking your connection or contacting support.
• Funds are Safe: Your money is secure with the bank and PDIC-insured.

Is the SeaBank App Still Good? A Quick 2025 Review

In 2025, the SeaBank app still offers great benefits. It’s still one of the best for free transfers (up to 15 free InstaPay and PESONet transfers per week). The daily interest crediting is also a big plus. The app is generally easy to use. However, based on user feedback, there have been some changes and recurring issues that you need to be aware of. The biggest change is the interest rate, which has dropped to 3.5% p.a. for accounts up to ₱1,000,000, which can be a turn-off for some.

Top SeaBank App Issues in 2025 (and What Causes Them)

Let’s get straight to the point. Here are the most common Seabank app issues that users are complaining about this year.

1. Login Problems & Being Locked Out

One of the most frustrating things is being locked out of your account, especially when you know your password is correct. Many users have reported having trouble with the app’s login mechanism. This can be caused by system glitches, connectivity issues, or even too many failed attempts.

2. OTP (One-Time Password) Delays or Not Arriving

Another common issue is when the OTP needed to log in or confirm a transaction doesn’t arrive. This can be caused by a weak mobile signal, a system delay, or a bug in the app itself.

3. Failed or Delayed Transactions

You send money, but it gets stuck in a “pending” state or shows a “failed” notification. This can happen due to the receiving bank’s system being down, a temporary issue with InstaPay or PESONet, or a bug in the SeaBank app during a busy time.

4. Slow and Unresponsive Customer Service

This is a big concern for many users. When you encounter a problem with the app, you expect quick and helpful support. Unfortunately, some users have reported slow responses or generic answers from the customer service team, which can be a major headache, especially for urgent issues.

Step-by-Step Fixes for Common SeaBank App Issues

Now, let’s get to the important part: what you can do to fix these problems.

Fixing Login and OTP Issues

• Check Your Internet: Before anything else, make sure you have a strong and stable internet connection.
• Restart the App: Close the app completely and open it again. This simple trick can fix minor glitches.
• Reinstall the App: If the problem persists, try uninstalling and then reinstalling the app. This is the most effective way to solve app-related bugs. Don’t worry, your money and account information are safe.

What to Do If a Transaction Fails

If your money transfer fails, the funds should be immediately returned to your account. If the money was debited but the recipient did not receive it, and it was not returned within a few hours, you need to contact SeaBank customer service right away. In your email, include the transaction details, a screenshot of the error, and a clear description of the problem.

SeaBank’s New Look: What the MariBank Rebrand Means for Your App

As of July 31, 2025, SeaBank Philippines Inc. has officially been rebranded as MariBank Philippines. This is a very important update to know. However, as of now, the app you use is still named “SeaBank.” The “MariBank” app you see on app stores is for customers in Singapore. So, to avoid confusion and make sure you’re using the right app for your digital banking, keep the SeaBank app you already have. They will let you know if you need to download a new app in the future.

FAQs: Your Questions About SeaBank App Issues, Answered

Q: If the SeaBank app is down today, how can I check?

A: The best way to check for a system-wide outage is to go to SeaBank’s official social media pages on Facebook or X. They usually post public advisories about any scheduled maintenance or unexpected system downtime. If many users are commenting about the same issue, it’s a sign of a widespread outage.

Q: Is my money safe if the app has a glitch?

A: Yes, your money is absolutely safe. Your funds are not stored on your phone; they are securely kept in your account with the bank and are insured by the PDIC for up to ₱1,000,000 per depositor. A glitch in the app does not mean your money is gone.

Conclusion: Navigating Issues with Confidence

While the SeaBank app has its share of issues in 2025, it still remains a solid option for digital banking in the Philippines due to its free transfers and daily interest credits. By understanding the common problems and knowing the simple steps to fix them, you can handle any glitch with confidence. Keeping your app updated and knowing when to contact customer service are the most important things you can do to ensure a smooth banking experience.

Did this guide help you? For more helpful articles on digital banks, e-wallets, and online government services, be sure to explore the rest of our website at digitalhelpph.com. We’re here to help you get the most out of your digital finances.