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Depositor Protection and Awareness Week (DPAW) from June 16 to 22, 2021

Deposit Updates

Depositor Protection and Awareness Week (DPAW) from June 16 to 22, 2021




The Philippine Deposit Insurance Corporation (PDIC) and Bank of the Philippine Islands (BPI) join the nation in celebrating the 19th Depositor Protection and Awareness Week (DPAW) to promote the habit of saving.


This year's celebration aims to encourage the values of financial security and preparedness through the theme, “Maniguro, Mag-impok, Mag-deposito sa Bangko.”


DPAW is observed annually to reinforce the need to educate and protect simple, modest depositors and complement the government’s thrust for sustained economic growth and development.



Published on June 15, 2021

Introducing Saver Plus Savings Account

Introducing Saver Plus Savings Account


Effective July 1, 2021, we are pleased to announce that a new deposit product, BPI Saver Plus Savings Account, will be launched.


Learn more


Published on June 1, 2021

Important Customer Advisory on Maxi-Saver Savings Accounts

Important Customer Advisory on Maxi-Saver Savings Accounts


Effective July 1, 2021, there will be changes in the Terms and Conditions governing all Peso Maxi-Saver Savings Accounts.


Learn more



Published on June 1, 2021


Change in Effectivity Date of Maxi-Saver New Terms and Conditions and Saver Plus Launch

Reduced Maxi-Saver and Advance Savings Rates effective February 1, 2021


Effective February 1, 2021, please be advised that adjustments on interest rates of Peso Maxi-Saver and Advance Savings will be implemented.


Maxi-Saver Savings with Debit Card (ATM Card)

TierBase RateBonus RateInterest Rate w/ New Bonus Rate
FromTo
Less than Php 50,000N.A.N.A.N.A.N.A.
50,000 - 499,9990.125%0.250%0.125%0.250%
500,000 - 999,9990.125%0.250%0.125%0.250%
1M – 4,999,9990.125%0.250%0.125%0.250%
5M and above0.250%0.250%0.125%0.375%



Maxi-Saver Savings with Passbook (Individual)

TierBase RateBonus RateInterest Rate w/ New Bonus Rate
FromTo
Less than Php 75,000N.A.N.A.N.A.N.A.
75,000 - 499,9990.125%0.250%0.125%0.250%
500,000 - 999,9990.125%0.250%0.125%0.250%
1M – 4,999,9990.125%0.250%0.125%0.250%
5M and above0.250%0.250%0.125%0.375%



Maxi-Saver Savings with Passbook (Corporate)

TierBase RateBonus RateInterest Rate w/ New Bonus Rate
FromTo
Less than Php 250,000N.A.N.A.N.A.N.A.
250,000 - 499,9990.125%0.250%0.125%0.250%
500,000 - 999,9990.125%0.250%0.125%0.250%
1M – 4,999,9990.125%0.250%0.125%0.250%
5M and above0.125%0.250%0.125%0.250%


Note: Bonus rate of 0.1250% p.a. applies if there is no withdrawal within the calendar month.


BPI Advance Savings Account with Passbook

TierFromTo
Less than Php 100,000N.A.N.A.
100,000 - 999,9990.375%0.250%
1M and above0.375%0.250%



Published on January 29, 2021

Change in Effectivity Date of Maxi-Saver New Terms and Conditions and Saver Plus Launch


Following our announcement last March 31, 2021 regarding the changes in the Terms and Conditions of the Peso Maxi-Saver savings account for our individual clients, the effectivity date of the change to the new minimum balance requirement has been adjusted from June 1, 2021 to July 1, 2021. This gives our valued clients the time to assess suitable product options that best serve their needs.


We will also move the launch of our new BPI Saver Plus, a new deposit offering (with Php 50,000 minimum balance requirement and 0.15% interest), from June 1, 2021 to July 1, 2021. We look forward to bringing this product to market for our valued clients who aspire for greater financial security by helping them build their savings through higher interest* while providing flexible access to their funds in case of unplanned need without worrying about pre-termination penalty**.


For more information, you may contact any BPI Branch Manager or your Relationship Manager / Officer.


*compared to a regular savings account
**compared to a time deposit


Published on May 31, 2021

Reduced Maxi-Saver and Advance Savings Rates effective February 1, 2021

Adjusted Deposit Fees of Foreign Currency Notes


Effective May 19, 2021, please be advised of the adjustment in deposit fees on Foreign Currency notes.


Foreign Currency Cash Deposit

CurrencyFromTo*
US DollarPhp 0.10 per USD 1.00 or a fraction thereof

First USD 5,000 free

In excess, Php 0.15 per USD 1.00 or a fraction thereof

Third CurrencyPhp  0.10 per USD 1.00 equivalent or a fraction thereof

First US 5,000 free

In excess, Php 0.15 per USD 1.00 equivalent or a fraction thereof

*Threshold of US $ 5,000 applies to Retail/Individual clients only. For non-retail/individual clients, the fee will be applied to the full deposit amount.

Published on March 19, 2021

Adjusted Deposit Fees of Foreign Currency Notes
Reduction of Bonus Rate on Maxi-Saver and Interest Rate on Advance Savings Accounts
New Minimum Opening Requirement for a Savings Account

Reduction of Bonus Rate on Maxi-Saver and Interest Rate on Advance Savings Accounts


Effective December 1, 2020, please be advised that the bonus rates of peso and dollar Maxi-Saver accounts will be decreased. The interest rates of Advance Savings accounts will also be decreased.


Peso Maxi-Saver Savings Account

ProductTierBase RateBonus Rate*Interest Rate with New Bonus Rate



FromTo
Maxi-Saver Savings with Debit CardLess than Php 50,000N.A.N.A.N.A.N.A.
Php 50,000 - Php 499,9990.125 %0.500%0.250 %0.375 %
Php 500,000 - Php 999,9990.125 %0.500 %0.250 %0.375 %
Php 1 Mn – Php 4,999,9990.125 %0.500 %0.250 %0.375 %
Php 5 Mn and above0.250 %0.500 %0.250 %0.500 %



ProductTierBase RateBonus Rate*Interest Rate with New Bonus Rate



FromTo
Maxi-Saver Savings with Passbook (Individual) Less than Php 75,000N.A.N.A.N.A.N.A.
Php 75,000 - Php 499,9990.125 %0.500 %0.250 %0.375 %
Php 500,000 - Php 999,9990.125 %0.500 %0.250 %0.375 %
Php 1 Mn – Php 4,999,9990.125 %0.500 %0.250 %0.375 %
Php 5 Mn and above0.250 %0.500 %0.250 %0.500 %



ProductTierBase RateBonus Rate*Interest Rate with New Bonus Rate



FromTo
Maxi-Saver Savings with Passbook (Corporate) Less than Php 250,000N.A.N.A.N.A.N.A.
Php 250,000 - Php 499,9990.125 %0.500 %0.250 %0.375 %
Php 500,000 - Php 999,9990.125 %0.500 %0.250 %0.375 %
Php 1 Mn – Php 4,999,9990.125 %0.500 %0.250 %0.375 %
Php 5 Mn and above0.125 %0.500 %0.250 %0.375 %

*Bonus rate of 0.250% p.a. applies if there is no withdrawal within the calendar month


Dollar Maxi-Saver Savings Account

ProductTierBase RateBonus Rate**Interest Rate with New Bonus Rate



FromTo
Maxi-Saver Savings with Passbook (USD)Less than USD 2,500N.A.N.A.N.A.N.A.
USD 2,500 - Php 9,9990.100 %0.500 %0.100 %0.200 %
USD 10,000 - Php 19,9990.100 %0.500 %0.100 %0.200 %
USD 20,000 and above0.100 %0.500 %0.100 %0.200 %

**Bonus rate of 0.100% p.a. applies if there is no withdrawal within the calendar month


BPI Advance Savings Account

ProdcutTierFromTo
BPI Advance Savings Account with PassbookLess than Php 100,000N.A.N.A.
Php 100,000 - Php 999,9990.625 %0.375 %
Php 1 Mn and above0.625 %0.375 %



Published on November 27, 2020

Passbook Savings for Corporate and Business Banking Clients

Passbook Savings for Corporate and Business Banking Clients


Starting November 10, 2020, new Passbook Savings accounts to be opened will be subject to new maintaining balance requirements.



Initial Deposit (Php)Minimum ADB (Php)Balance to Earn Interest (Php)Interest Rate per Annum
Business Banking50,00050,00075,0000.125%
Corporate Banking100,000100,000150,0000.125%


Effective January 1, 2021, there will be adjustments on Passbook Savings maintaining balance for existing accounts:


Business BankingInitial Deposit (Php)Minimum ADB (Php)Balance to Earn Interest (Php)Interest Rate per Annum
From10,00010,00025,0000.125%
To50,00050,00075,0000.125% (no change)



Corporate BankingInitial Deposit (Php)Minimum ADB (Php)Balance to Earn Interest (Php)Interest Rate per Annum
From10,00010,00025,0000.125%
To100,000100,000150,0000.125% (no change)



Published on November 6, 2020

Advisory on Kaya Savings

New Minimum Opening Requirement for a Savings Account


Please be advised of the new minimum opening requirement for a Regular Savings Account with Debit Card.



Effectivity DateNew Minimum Opening RequirementMinimum Monthly ADBBalance to Earn InterestInterest Rate Per Annum
New BPI customersSept. 10, 2019Php 3,000Php 3,000Php 5,0000.25%
Existing BPI customersNov. 10, 2019

Note: A PHP300 fee for falling below the minimum monthly ADB shall still apply.


Published on September 24, 2019

Advisory on Kaya Savings


Effective January 15, 2021, all existing Kaya Savings Accounts will be converted to Regular Savings Accounts.


Learn more


Published on November 16, 2020

Reduction in various Peso Savings Account Interest Rates Effective October 1, 2020


Effective October 1, 2020, interest rate adjustments on Maxi-Saver, Advance, and Save-Up High will be implemented.


ProductTierFromTo
Maxi-Saver Savings with Debit Card Less than Php 50,000N.A.N.A.
50,000 - 499,9990.250%0.125%
500,000 - 999,9990.375%0.125%
1,000,000 - 4,999,9990.625%0.125%
5,000,000 and above-0.250%
Maxi-Saver Savings with Passbook Less than Php 75,000N.A.N.A.
75,000 - 499,9990.250%0.125%
500,000 - 999,9990.375%0.125%
1,000,000 - 4,999,9990.625%0.125%
5,000,000 and above-0.250%
Maxi-Saver Savings with Passbook (Corporate)Less than Php 250,000N.A.N.A.
250,000 - 499,9990.250%0.125%
500,000 - 999,9990.375%0.125%
1,000,000 - 4,999,9990.500%0.125%
5,000,000 and above-0.125%
BPI Advance Savings Account with PassbookLess than Php 100,000N.A.N.A.
100,000 - 999,9990.750%0.625%
1,000,000 and above1.125%0.625%
BPI Save-Up High Automatic Savings5,000 - 49,9990.250%0.125%
50,000 - 499,9990.375%0.125%
500,000 and above0.500%0.125%



Published on September 24, 2020

Reduction in various Peso Savings and Current Account Interest Rates Effective September 1, 2020
Reduction in Interest Rates of BPI Maxi-Saver and Advance Savings Accounts Effective May 1, 2020

Reduction in Interest Rates of BPI Maxi-Saver and Advance Savings Accounts Effective May 1, 2020


Please be advised on the reduction in interest rates of Peso Maxi-Saver and Advance Savings Accounts effective May 1, 2020.


ProductInitial DepositMinimum ADBBalance to Earn InterestInterest Rate Per AnnumFromTo
Maxi-Saver Savings with Debit CardPhp 50,000Php 50,000Php 50,000Less than Php 50,000N.A.N.A.
Php 50,000 - 499,9990.25%0.25%
Php 500,000 - 999,9990.38%0.38%
Php 1M and above0.75%0.63%
Bonus rate of 0.500% p.a. applies if there is no withdrawal within the calendar month
Maxi-Saver Savings with Passbook Php 75,000Php 75,000Php 75,000Less than Php 75,000N.A.N.A.
Php 75,000 - 499,9990.25%0.25%
Php 500,000 - 999,9990.38%0.38%
Php 1M and above0.75%0.63%
Bonus rate of 0.500% p.a. applies if there is no withdrawal within the calendar month
With this rate change, the maximum rate shall be 1.125% inclusive of bonus rate.
BPI Advance Savings Account with PassbookPhp 100,000Php 100,000Php 100,000Less than Php 100,000N.A.N.A.
Php 100,000 - 999,9990.75%0.75%
Php 1M and above1.25%1.13%



Published on April 30, 2020


Customer Advisory on Kaya Savings Account


Effective April 20, 2020, new account opening of Kaya Savings Account will no longer be offered.


However, existing Kaya Savings customers may still continue to enjoy the benefits of the account and transact using BPI’s available channels.


Published on September 1, 2020

Customer Advisory on Kaya Savings Account

Reduction in various Peso Savings and Current Account Interest Rates Effective September 1, 2020


Please be advised of the interest rate adjustments on various Peso Savings and Checking Accounts effective September 1, 2020.


Peso Savings Accounts

ProductInterest Rate per Annum
TierFrom To
Express Teller Savings
0.250%0.125%
Passbook Savings (Individual)
0.250%0.125%
Passbook Savings (Corporate)
0.250%0.125%
Jumpstart Savings
0.250%0.125%
Kaya Savings*
0.250%0.125%
Save-Up Automatic Savings with Insurance
0.250%0.125%
Pamana Savings with Life Insurance
0.250%0.125%
Pamana Padala with Debit Card
0.250%0.125%
Padala Moneyger
0.250%0.125%
Get Started Savings with Life Insurance*
0.250%0.125%
Multi-earner Savings*
0.250%0.125%
Multi-earner Plus Savings*
0.250%0.125%
Platinum Savings*25,000 < 300,0000.250%0.125%
300,000 < 1M0.350%0.175%
1M and above
Platinum Savings (For Kids)*
0.250%0.125%
Direct Deposit US Pension with Passbook
0.250%0.125%


Peso Checking Accounts

ProductInterest Rate per Annum
TierFrom To
Maxi-One (Individual)25,000 < 1M0.250%0.125%
1M and above0.350%0.175%
Maxi-One (Corporate)25,000 < 1M0.250%0.125%
1M and above0.350%0.175%
Ka Negosyo Checking*
0.250%0.125%

*Product no longer offered.



Published on August 18, 2020


Reduction in various Peso Savings Account Interest Rates Effective October 1, 2020
Reduction in Interest Rates on Various Dollar Accounts effective April 1, 2020

Reduction in Interest Rates on Various Dollar Accounts effective April 1, 2020


Please be advised of the decrease in interest rates on the following USD Savings Accounts effective April 1, 2020:


BPI Dollar Accounts

Product

 Initial Deposit

 Minimum ADB

Balance to Earn Interest

Interest Rate Per Annum

FROM

TO

Express Dollar Savings

$ 500

$ 500

$ 500


0.250%

0.050%

Dollar Savings with Passbook

$ 500

$ 500

$ 500


0.250%

0.050%



Maxi-Saver Savings with Passbook (USD)


$ 2,500

$ 2,500

$ 2,500

Less than $ 2,500

N.A

N.A.

2,500 <9,999

0.375%

0.1000%

10,000 < 19,999

0.500%

0.1000%

20,000 and above

0.625%

0.1000%

With 0.500% BONUS p.a. if no withdrawal in a month


BFSB Dollar Accounts

Product

 Initial Deposit

 Minimum ADB

Balance to Earn Interest

Interest Rate Per Annum

FROM

TO

Dollar Savings with Passbook

$ 500

$ 500

$ 500


0.250%

0.050%



Maxi-Saver Savings with Passbook (USD)


$ 2,500

$ 2,500

$ 2,500

Less than $ 2,500

N.A

N.A.

2,500 <9,999

0.375%

0.1000%

10,000 < 19,999

0.500%

0.1000%

20,000 and above

0.625%

0.1000%

With 0.500% BONUS p.a. if no withdrawal in a month

With this rate change, the maximum interest rate for Maxi-Saver Savings Account with Passbook shall be 0.600% inclusive of bonus rate.


Published on March 31, 2020

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