Overview
Required minimum term
5 years
Watch your funds grow over time
Required initial deposit
Php
50,000
Open an account and start earning while you're saving
Interest rate per annum
available in the branches
Visit a BPI branch near you for more details
Account features
Fixed high interest rates
Get higher rates than regular time deposits, giving you protection from ever-changing market rates.
Choose when 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.
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Tools to assist you
Know helpful and important information before opening an account.
Open a Plan Ahead account
Check the requirements you need before you visit your nearest BPI branch.
Please bring the following account opening requirements below:
1. Proof of billing
2. Client may submit only one (1) of the following IDs:
For Filipino citizens, photo-bearing and unexpired identification documents:
- PhilID
- Identification documents issued by the Government of the Republic of the Philippines including Its political subdivisions, agencies and instrumentalities
- Other identification documents that can be verified using reliable, independent source documents, data or information
For Filipino students:
- PhilID
- School lD signed by the school principal or head of the educational institution
- Birth Certificate issued by the Philippine Statistics Authority
For foreign nationals:
- PhilID for resident aliens
- Passport
- Alien Certificate of Registration issued by the Bureau of Immigration
- Other identification documents that can be verified using reliable, independent source documents, data or information
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| Deposits are insured by PDIC up to P500,000 per depositor. | BPI is regulated by the Bangko Sentral ng Pilipinas