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Know the required initial deposit, minimum monthly ADB, and the daily balance required to earn interest for every Peso Savings account.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Debit Card | |||
| Php 1 | Php 0^ | Php 5,000 | 0.0925% |
^Maintaining balance requirement is waived starting July 2023.
Learn more about #SaveUp.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Debit Card | |||
| Php 1 | Php 0^ | Php 5,000 | 0.0925% |
^Maintaining balance requirement is waived starting June 2023.
Learn more about #MySaveUp.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Debit Card | |||
| Php 100 | Php 1,000 | Php 2,000 | 0.0625% |
For Jumpstart Savings, Php 1,000 maintaining balance is waived for one (1) year for accounts opened starting March 16, 2012.
Learn more about Jumpstart Savings.
Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
Debit Card | |||
Php 2,000,000 | Php 2,000,000 | Php 2,000,000 | 0.125% |
With 0.125% bonus p.a. if no withdrawal within a month | |||
Passbook | |||
Php 2,000,000 | Php 2,000,000 | Php 2,000,000 | 0.125% |
With 0.125% bonus p.a. if no withdrawal within a month | |||
Learn more about Maxi-Saver.
Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
Php 3,000 | Php 3,000 | Php 50,000 | 0.0625% |
Learn more about Saver-Plus.
Better take charge of your Peso Checking account by knowing its required deposit rates.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Statement only | |||
| Php 10,000 | Php 10,000 | N.A | N.A |
| Debit Card and Statement | |||
| Php 10,000 | Php 10,000 | N.A | N.A |
Learn more about BizLink Checking.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Statement only | |||
| Php 10,000 | Php 10,000 | N.A | N.A |
Learn more about Business Checking.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** | |
| Statement only | ||||
| Php 25,000 | Php 25,000 | Php 25,000 | Php 25,000 - 999,999 | 0.0625% |
| 1M and above | 0.0925% | |||
| Debit Card and Statement | ||||
| Php 25,000 | Php 25,000 | Php 25,000 | Php 25,000 - 999,999 | 0.0625% |
| 1M and above | 0.0925% | |||
| Passbook | ||||
| Php 250,000 | Php 500,000 | Php 25,000 | Php 25,000 - 999,999 | 0.0625% |
| 1M and above | 0.0925% | |||
Learn more about Maxi One.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Statement only | |||
| Php 10,000 | Php 10,000 | N.A | N.A |
| Debit Card and Statement | |||
| Php 10,000 | Php 10,000 | N.A | N.A |
Learn more about Regular Checking.
For Foreign Currency Savings account, here are the required deposit rates to guide you and help you manage your account better.
Check our list of BPI branches offering Foreign Currencies (Initial Deposits, Monthly ADB, and Balance to Earn Interest below are stated in terms of the corresponding currency).
Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
Passbook | |||
USD 2,500 | USD 2,500 | USD 2,500 | 0.100% |
With 0.100% bonus p.a. if no withdrawal within a month | |||
Learn more about Maxi Saver.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| USD 500 | Waived for as long as there are four (4) remittances in a year | USD 500 | 0.050% |
Learn more about Pamana Padala.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Passbook | |||
| USD 1,000 | USD 1,000 | USD 1,000 | 0.050% |
Learn more about Pamana Savings.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** | |
| Debit Card | ||||
| USD 500 | USD 500 | USD 500 | 0.050% | |
| Passbook | ||||
| USD 500 | USD 500 | USD 500 | 0.050% | |
Learn more about US Dollar Savings.
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Passbook | |||
| USD 100 | USD 100 | USD 500 | 0.050% |
*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) |
**Daily Balance is equivalent to end-of-day balance.
***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. Interest earnings will be subject to the applicable final withholding tax rate as prescribed by law.
Get all the help for your banking needs.
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Deposits are insured by PDIC up to ₱1 Million per depositor.
BPI is regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph
