The features below apply to our deposit products.
|
Deposit Product |
Initial Deposit |
Minimum Maintaining Balance |
Balance to Earn Interest |
Interest Rate Per Annum |
| Peso Savings |
|
Basic Savings |
100 |
100 |
500 |
0.125% |
|
Savings with Debit Card |
2,000 |
2,000 |
10,000 |
0.125% |
|
Savings with Passbook |
Individual: 5,000
Corporate: 20,000
|
Individual: 5,000
Corporate: 20,000
|
Individual: 10,000
Corporate: 20,000
|
0.125% |
|
Passbook + Debit Card |
10,000 |
10,000 |
25,000 |
0.125% |
|
Kiddie Savings |
2,000 |
2,000 |
2,000 |
0.125% |
|
Super Saver |
Individual & Corporate: 500,000
|
Individual & Corporate: 500,000
|
Individual & Corporate: 500,000
|
| 0.500 - 0.999 Mil
| 0.125%
|
| 1.000 - 4.999 Mil
| 0.375%
|
| 5.000 - 9.999 Mil
| 0.500%
|
| 10.000 Mil and up
| 0.750%
|
|
|
|
|
|
|
| No withdrawal bonus
| 0.750%
|
|
| Peso Checking |
|
Basic Checking |
1,000 |
1,000 |
n/a |
n/a |
|
Regular Checking |
Individual: 5,000
Corporate: 20,000
|
Individual: 5,000
Corporate: 20,000
|
n/a |
n/a |
|
Checking with Interest |
Individual: 20,000
Corporate: 50,000
|
Individual: 20,000
Corporate: 50,000
|
Individual: 20,000
Corporate: 50,000
|
0.125% |
|
Checking with Rewards |
Individual & Corporate: 100,000
|
Individual & Corporate: 100,000
|
Individual & Corporate: 100,000*
|
n/a |
| Peso Time Deposit |
(Terms: 30, 60, 90, 180, 360 days, up to 5 years) |
|
Peso Time Deposit |
10,000 |
10,000 |
10,000 |
See below for table of interest rates |
| Foreign Currency Savings |
|
US Dollar Savings |
USD 200 |
USD 200 |
USD 500 |
0.250% |
|
Renminbi Savings |
CNY 500 |
CNY 500 |
CNY 500 |
1.000% |
|
Euro Savings** |
EUR 250 |
EUR 250 |
EUR 250 |
0.000% |
|
Japanese Yen Savings ** |
JPY 25,000 |
JPY 25,000 |
JPY 25,000 |
0.005% |
|
Singapore Dollar Savings** |
SGD 100 |
SGD 100 |
USD 500 |
0.100% |
|
British Pound Savings Account |
GBP 100 |
GBP 100 |
GBP 100 |
0.25% |
|
Australian Dollar Savings Account |
AUD 250 |
AUD 250 |
AUD 250 |
1.35% |
|
HongKong Dollar Savings Account |
HKD 250 |
HKD 250 |
HKD 250 |
0.150% |
|
New Zealand Dollar Savings Account |
NZD 250 |
NZD 250 |
NZD 250 |
0.500% |
| Foreign Currency Time Deposit |
(Terms: 30, 60, 90, 180 days) |
|
US Dollar Time Deposit*** |
USD 1,000 |
n/a |
n/a |
See below for table of interest rates |
|
Renminbi Time Deposit |
CNY 5,000 |
|
|
|
|
Euro Time Deposit** |
EUR 500 |
|
|
|
|
Japanese Yen Time Deposit** |
JPY 50,000 |
|
|
|
|
Singapore Dollar Time Deposit** |
SGD 1,000 |
|
|
|
|
Australian Dollar Time Deposit** |
AUD 1,000 |
|
|
|
|
|
*Minimum Balance to Earn Rewards Points
**Offered only in select stores
***Also available for terms of 360 days, up to 5 years
| Time Deposit Interest Rates |
|
Valid from November 12 to 18, 2019
| PhP Time Deposit |
Term |
| 30D |
60D |
90D |
180D |
270D |
360D |
| PhP 10,000 to < 100,000 |
1.875% |
2.000% |
2.125% |
2.125% |
2.125% |
2.125% |
| PhP 100,000 to < 500,000 |
2.750% |
2.825% |
2.875% |
2.875% |
2.875% |
2.875% |
| PhP 500,000 to < 1,000,000 |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| PhP 1,000,000 to < 3,000,000 |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| PhP 3,000,000 to < 5,000,000 |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| PhP 5,000,000 to < 10,000,000 |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| > PhP 10,000,000 |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| > Call Treasury-Liquidity at 575-3376 to 78 for placements PhP100.0Mio & up. |
| PhP Gross Interest Rates are subject to 20.00% p.a. withholding tax
|
| LONG TERM PhP TIME DEPOSIT |
Term |
| Term or Fixed Quarterly payout |
2 years |
3 years |
4 years |
5 years + 1 day |
| PhP 10,000 and above |
3.375% |
3.375% |
3.500% |
3.50% net |
| PhP Gross Interest Rates are subject to 20.00% p.a. withholding tax (except for 5 years + 1 day) |
| Floating Rate Quarterly payout |
5 years + 1 day |
| PhP 100,000 to 20 million |
4.3597% |
| *rate applies until November 20, 2019 (discontinued product; re-pricing rate applies to outstanding placement only) |
| Gross Interest Rates for USD and 3rd currency deposits are subject to the following withholding tax p.a.: |
| > 15% for Domestic Corporation/Individual Citizen or Resident Alien |
| > 7.5% for Resident Foreign Corporation |
| USD TIME DEPOSIT |
Term |
|
30D |
60D |
90D |
180D |
270D |
360D |
| USD 1,000 to < 10,000 |
1.425% |
1.600% |
1.600% |
1.700% |
1.700% |
1.800% |
| USD 10,000 < 20,000 |
1.750% |
1.875% |
1.875% |
2.000% |
2.000% |
2.000% |
| USD 20,000 < 50,000 |
1.750% |
1.875% |
1.875% |
2.000% |
2.000% |
2.000% |
| USD 50,000 < 100,000 |
1.750% |
1.875% |
1.875% |
2.000% |
2.000% |
2.000% |
| USD 100,000 < 200,000 |
1.750% |
1.875% |
1.875% |
2.000% |
2.000% |
2.000% |
| USD 200,000 and above |
1.750% |
1.875% |
1.875% |
2.000% |
2.000% |
2.000% |
| LONG TERM USD TIME DEPOSIT |
Term |
| Term or Fixed Quarterly payout |
2 years |
3 years |
4 years |
5 years |
| USD 1,000 and above |
1.750% |
1.875% |
2.950% |
2.000% |
| RMB TIME DEPOSIT |
Term |
| 30 D |
60 D |
90 D |
180 D |
| RMB 5,000 and above |
1.500% |
1.500% |
2.000% |
2.000% |
| EURO TIME DEPOSIT |
Term |
| 30 D |
60 D |
90 D |
180 D |
| EUR 500 to and above |
0.000% |
0.000% |
0.000% |
0.000% |
| JPY TIME DEPOSIT |
Term |
| 30 D |
60 D |
90 D |
180 D |
| JPY 50,000 and above |
0.000% |
0.000% |
0.000% |
0.000% |
| SGD TIME DEPOSIT |
Term |
| 30 D |
60 D |
90 D |
180 D |
| SGD 1,000 and above |
0.200% |
0.200% |
0.200% |
0.200% |
| AUD TIME DEPOSIT |
Term |
| 30 D |
60 D |
90 D |
180 D |
360 D |
| AUD 1,000 to < 20,000 |
0.500% |
0.500% |
0.500% |
0.250% |
0.250% |
| AUD 20,000 to < 50,000 |
0.500% |
0.500% |
0.500% |
0.250% |
0.250% |
| AUD 50,000 to < 100,000 |
0.500% |
0.500% |
0.500% |
0.250% |
0.250% |
| AUD 100,000 and above |
0.500% |
0.500% |
0.500% |
0.250% |
0.250% |
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