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Plan Ahead
Grow your hard-earned funds with a five-year time deposit. Enjoy a high interest rate, fixed for the entire term, tax-free.
How to Apply
Required Initial Deposit

Php 50,000

Required Minimum Term

5 years

Required Balance to Earn Interest

Php 50,000

Interest Rate (Per Annum)

Available in the branches

Account features
Fixed high interest rates

Get higher rates than regular time deposits, giving you protection from ever-changing market rates.

Choice of when you want to withdraw your interest earnings

Interest earnings are credited monthly to a settlement account or paid at the end of the 5-year term. 

Tax-free interest for optimized earnings*

No withholding tax on interest earnings.

*Plan Ahead is exclusive for individual accountholders only. Pre-termination or closing of account before the 5-year term ends is subject to interest rate and withholding tax penalties.

Open a Plan Ahead Time Deposit Account
I don't have a BPI account
Check the requirements you need before you visit your nearest BPI branch.
Learn more
I already have an exisiting BPI account
Visit a BPI branch near you.
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Find Us
Send us a message

For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

Deposits are insured by PDIC up to P500,000 per depositor.

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