| 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 from July to December 2023.
Peso Savings account
Know the required initial deposit, minimum monthly ADB, and the daily balance required to earn interest for every Peso Savings account.
#SaveUp
Jumpstart Savings
| 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
Maxi Saver
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 | |||
Saver Plus
Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
Php 50,000 | Php 50,000 | Php 50,000 | 0.0625% |
Padala Moneyger
| Required Initial Deposit | Required Minimum Monthly ADB* | Required Daily Balance to Earn Interest** | Interest Rate per Annum*** |
| Debit Card | |||
| N.A | Waived for as long as there are four (4) remittances in a year | Php 5,000 | 0.0625% |
Learn more about Padala Moneyger
Peso Checking account
Better take charge of your Peso Checking account by knowing its required deposit rates.
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 |
| Debit Card and Statement | |||
| Php 10,000 | Php 10,000 | N.A | N.A |
Business 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 |
Maxi One
| 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% | |||
Regular 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 |
| Debit Card and Statement | |||
| Php 10,000 | Php 10,000 | N.A | N.A |
Foreign Currency Savings account
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).
Maxi Saver
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 | |||
Pamana Padala
| 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% |
Pamana Savings
| 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% | |
US Dollar Savings (USD)
| 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% | |
Direct Deposit US Pension with Passbook
| 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.
| BPI is regulated by the Bangko Sentral ng Pilipinas