Deposit Rates: Savings and Checking

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		0.350%
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.