Advisory on Kaya Savings


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


Changes in the Terms and Conditions related to the conversion from Kaya Savings Account to Regular Savings Account are as follows:


Deposit Balance Requirements and Rates Kaya Savings AccountRegular Savings Account
Required Initial DepositPhp 200Php 3,000
Required Minimum Monthly ADB1N.A.PHP 3,000
Required Daily Balance2 to Earn InterestPhp 1,000
Php 5,000


Fees/ LimitsKaya Savings AccountRegular Savings Account
Client-initiated Debit TransactionPhp 5N.A.
Monthly Service Charge3 for Falling Below Required ADBN.A.Php 300
Monthly Dormancy Charge4 if Falling Below Required BalancePhp 30 starting on the 5th year if below PHP 200
Php 30 starting on the 5th year
if below PHP 3,000


Rates and fees are subject to change.
All other Terms and Conditions remain the same.


These product features will be maintained upon conversion of the Kaya Savings account to a Regular Savings Account:

  • Interest-earnings on savings
  • Access through BancNet ATMs nationwide and in MasterCard ATMs globally through a BPI Debit MasterCard*
  • Cashless shopping using BPI Debit MasterCard in BancNet or MasterCard-accepting merchants
  • Convenient funds transfer via QR and/or enrollment of account
  • Hassle-free bill payments to over 600 merchants by enrolling in the bills payment facility
  • Instant reload of cell phones and prepaid cards via BPI’s online and mobile banking channels


*No new card will be issued upon conversion. Existing card remains valid and effective.

1ADB 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)

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

3Monthly Service Charge applies if account falls below the required minimum average daily balance for two consecutive months.

4Dormancy charge is collected only if dormant account’s balance has fallen below the required minimum average daily balance (ADB). Account will be considered dormant if there is no client-initiated transaction within 2 years from conversion.


Published on November 16, 2020