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Deposit Rates - Savings and Checking
  • Savings
  • Checking
  • Time Deposit
  • Deposit Balance Requirements and Rates
  • Download Customer Information Sheet
  • Terms and Conditions

 

Bank of the Philippine Islands

Type of Deposit Account

Required Initial Deposit

Required Minimum Monthly ADB(1)

Required Daily Balance(2) to Earn Interest

Interest Rate(3)
(Per Annum)

Peso Savings Account

BPI Padala Moneyger NONE
WAIVED
As long as there are four (4) remittances in a year
 
Php 5,000 0.125%
Jumpstart Savings

Php 100

Php 1,000*
Waived for one(1) year for accounts opened starting March 16, 2012

Php 2,000

0.125%

Kaya Savings

Php 200

N.A.

Php 1,000

0.125%

Express Teller Savings

Php 3,000

Php 3,000

Php 5,000

0.125%

Passbook Savings

Php 10,000

Php 10,000

Php 25,000

0.125%

BPI Advance Savings Account with Passbook

Php 100,000

Php 100,000

Php 100,000

Less than PhP100,000

N.A.


100,000 - 999,999
 
0.375%
1M and above

0.375%


Direct Deposit US Pension with Passbook
 
Php 1,000 Php 1,000 Php 25,000 0.125%
Maxi-Saver(4) Savings with Debit Card

Php 50,000

Php 50,000

Php 50,000

Less than Php 50,000

N.A.

50,000 - 499,999

0.125%

500,000 - 999,999

0.125%

1M - 4,999,999

0.125%

5M and above 0.250%
With 0.250% BONUS p.a. if no withdrawal within a month
Maxi-Saver(4) Savings with Passbook

Php 75,000

Php 75,000

Php 75,000

Less than Php 75,000

N.A.

75,000 - 499,999

0.125%

500,000 - 999,999

0.125%

1M - 4,999,999

0.125%

5M and above 0.250%
With 0.250% BONUS p.a. if no withdrawal within a month

For Corporate variant, please click here.
 

Pamana Savings Account with Life Insurance (NEW)
 

Debit Card (ATM Card)

P 25,000 P25,000 P25,000 0.125%

Passbook
 
P 75,000 P 75,000 P 75,000 0.125%
BPI Save-Up Automatic Savings + Insurance

N.A.

Php 1,000

Php 5,000

0.125%

BPI Save-Up High Automatic Savings

N.A.

Php 1,000

Php 5,000

Php 5,000 - 49,999

0.125%

50,000 - 499,999

0.125%

500,000 and above

0.125%


Pamana Padala (NEW)
 

Debit Card (ATM Card)
 
P500 Waived for as long as there are four (4) remittances in a year P5,000 0.125%

Peso Checking Account


Bizlink Checking with Debit Card (ATM Card) and Statement
 
Php 10,000 Php 10,000 N.A. N.A.

Bizlink Checking with
Statement

 
Php 10,000 Php 10,000 N.A. N.A.
Express Teller Checking

Php 10,000

Php 10,000

N.A.

N.A.


Regular / Business Checking
 

Php 10,000

Php 10,000

N.A.

N.A.

Maxi-One
       

If daily balance is:


o With Debit Card (ATM Card) and Statement
 

Php 25,000

Php 25,000

Php 25,000

Php 25,000 - 999,999
1,000,000 and above

0.125%

0.175%

o With Statement

Php 50,000

Php 25,000

Php 25,000


o With Passbook
 
Php 250,000 Php 250,000 Php 25,000

For Corporate variant, please click here.
 

Dollar Account

Express Dollar Savings

$ 500

$ 500

$ 500

0.050%

Dollar Savings with Passbook

$ 500

$ 500

$ 500

0.050%



Maxi-Saver Savings with Passbook (USD)

 
$ 2,500 $ 2,500 $ 2,500 Less than $ 2,500 N.A
2,500 - 9,999 0.1000%
10,000 - 19,999 0.1000%
20,000 and above 0.1000%
With 0.100% BONUS p.a. if no withdrawal in a month

Pamana Saving Account with Life Insurance (USD) w/ Passbook (NEW)
 
$ 1,000 $ 1,000 $ 1,000 0.125%

Pamana Padala (NEW)
 
$500 Waived for as long as there are four (4) remittances in a year $500 0.250%

Direct Deposit US Pension with Passbook
 
$100 $100 $500 0.050%

Third Currency Savings Account*


Initial Deposits, Monthly ADB and Balance to Earn Interest below are stated in terms of the corresponding currency.
 
AUD -Australian Dollar Passbook Savings

500

500 500

0.125%

CAD -Canadian Dollar Passbook Savings 500 500 500

0.125%

CHF-Swiss Franc Passbook Savings 500 500 N.A

N.A

CNY/RMB – Chinese Yuan Passbook Savings

 3,500

3,500

3,500

0.050%

EUR- Euro Passbook Savings 500 500 N.A

N.A

GBP –British Pound Passbook Savings 500 500 500

0.125%

HKD - Hong Kong Dollar Passbook Savings 500 500 500

0.050%

JPY- Japanese Yen Passbook Savings

50,000

50,000

N.A

N.A

*For Third Currency deposit products, visit any of the accredited BPI branches. View List of BPI branches offering Third Currencies.

 

BPI Family Savings Bank
 

Type of Deposit Account

Required Initial Deposit

Required Minimum Monthly ADB(1)

Required Daily Balance(2)to Earn Interest

Interest Rate(3)
(Per Annum)

Peso Savings Account

BPI Padala Moneyger NONE
WAIVED
As long as there are four (4) remittances in a year
 
Php 3,000 0.250%
Jumpstart Savings

Php 100

Php 500
Waived for one (1) year for accounts opened starting March 16, 2012

Php 1,000

0.250%

Kaya Savings

Php 200

N.A.

Php 1,000

0.250%

Express Teller Savings

Php 1,000

Php 1,000

Php 3,000

0.250%

Passbook Savings

Php 10,000

Php 10,000

Php 25,000

0.250%

BPI Advance Savings Account with Passbook

Php 100,000

Php 100,000

Php 100,000

Less than PhP100,000

N.A.

100,000 - 999,999

0.500%

P1M and above

0.500%


Direct Deposit US Pension with Passbook
 
Php 1,000 Php 1,000 Php 25,000 0.250%
Maxi-Saver(4) Savings with Debit Card

Php 25,000

Php 25,000

Php 25,000

Less than Php 25,000

N.A.

25,000 - 499,999

0.250%

500,000 - 999,999

0.250%

Php 1,000,000 - Php 4,999,999

0.250%

Php 5,000,000 and above 0.375%
With 0.250% BONUS p.a. if no withdrawal within a month
Maxi-Saver(4) Savings with Passbook

Php 50,000

Php 50,000

Php 50,000

Less than Php 50,000

N.A.

50,000 - 499,999

0.250%

500,000 - 999,999

0.250%

Php 1,000,000 - Php 4,999,999

0.250%

Php 5,000,000 and above 0.375%
With 0.250% BONUS p.a. if no withdrawal within a month

For corporate variant, please click here.
 

Pamana Savings Account with Life Insurance (NEW)
 

Debit Card (ATM Card)
 
P 5,000 P 5,000 P 10,000 0.250%

Passbook
 
P 50,000 P 50,000 P 50,000 0.250%
BFSB Save-Up Automatic Savings + Insurance

N.A.

Php 1,000

Php 3,000

0.250%

BFSB Save-Up Automatic High Savings

N.A.

Php 1,000

Php 3,000

Php 3,000 - 49,999

0.250%

50,000 - 499,999

0.250%

500,000 and above

0250%


Pamana Padala (NEW)
 

Debit Card (ATM Card)
 
P500 Waived for as long as there are four (4) remittances in a year P3,000 0.250%

Peso Checking Account


Bizlink Checking with Debit Card (ATM Card) and Statement
 
Php 10,000 Php 10,000 N.A. N.A.

Bizlink Checking with Statement
 
Php 10,000 Php 10,000 N.A. N.A.
Express Teller Checking

Php 5,000

Php 5,000

N.A.

N.A.

Regular / Business Checking

Php 10,000

Php 10,000

N.A.

N.A.

Maxi-One
       

If daily balance is:

o With Debit Card (ATM Card) and Statement

Php 25,000

Php 25,000

Php 25,000

Php 25,000 - 999,999
1,000,000 and above

0.250%

o With Statement

Php 50,000

Php 50,000

Php 25,000

0.350%


o With Passbook
 
Php 250,000 Php 250,000 Php 25,000

For Corporate variant, please click here.
 

Dollar Account

Dollar Savings with Passbook

$ 500

$ 500

$ 500

0.050%



Maxi-Saver Savings with Passbook (USD)

 
$ 2,500 $ 2,500 $ 2,500 Less than USD 2,500 NA
2,500- 9,999 0.1000%
10,000 - 19,999 0.1000%
20,000 and above 0.1000%
With 0.100% BONUS p.a. if no withdrawal in a month

Pamana Savings Account with Life Insurance (USD) w/ Passbook (NEW)
 
$ 1,000 $ 1,000 $ 1,000 0.125%

Direct Deposit US Pension with Passbook
 
$100 $100 $500 0.050%
   
  Note: BPI Family Savings Bank is a subsidiary of Bank of the Philippine Islands.
 
 
BPI Direct Savings Bank
 

Type of Deposit Account

Required Initial Deposit

Required Minimum Monthly ADB(1)

Required Daily Balance(2) to Earn Interest

Interest Rate(3)
(Per Annum)

Peso Savings Account

BPInoy Savings

N.A.

N.A.
(For as long as there is a remittance transaction at least once every three months)

Php 500

0.250%

BPI Direct Express Teller Savings

Php 500

Php 500

Php 500

0.250%

BPI Direct Stock Trade Account

Php 500

Php 500

Php 500

0.250%

BPI Direct
Save-Up Automatic Savings + Insurance

N.A.

Php 1,000

Php 1,000

0.250%

Maxi-Saver(4) Savings with ATM

Php 25,000

Php 25,000

Php 25,000

Less than Php 25,000

N.A.

25,000 - 499,999

0.250%

500,000 - 999,999

0.250%

Php 1,000,000 - Php 4,999,999

0.250%

Php 5,000,000 and above 0.375%
With 0.250% p.a. BONUS if no withdrawal within a month

 

Peso Checking Account

BPI Direct Maxi-One Checking

Php 25,000

Php 25,000

Php 25,000

0.250%

 
1. ADB refers to Average Daily Balance, which is defined as the sum of the daily end-of-day balances in the account for a month divided by the number of days in that month. The formula for computing ADB is as follows:

ADB = (Day 1 ending balance + Day 2 ending balance …+ Day 30/31 ending balance)
Number of days in the month (i.e. 30/31 days)

2. Daily Balance is equivalent to end-of-day balance.

3. Interest earned shall be credited quarterly to your savings (except for Maxi-Saver where interest earned is credited monthly and BPI Advance) and/or current account(s) provided that the account has not been closed prior to schedule of interest crediting.

4. For Maxi-Saver Savings, if withdrawal exceeds 6 times within a month, the account will be subject to the rate that applies to the lowest interest-bearing tier. Any form of client initiated debit from the account is considered a withdrawal.

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