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Deposit Rates - Savings and Checking 
 
BPI | BPI Family Savings Bank | BPI Direct Savings Bank
 
 
Bank of the Philippine Islands
 
Type of Deposit Account
Required Initial Deposit
Required Minimum Monthly ADB1
Required Daily Balance2 to Earn Interest
Interest Rate3
(Per Annum)
Peso Savings Account
Jumpstart Savings
Php 100
Php 1,000**
Php 2,000
0.250%
Easy Saver
Php 200
N.A.
Php 1,000
0.250%
Express Teller Savings
Php 500
Php 3,000
Php 5,000
0.250%
Passbook Savings
Php 10,000
Php 10,000
Php 25,000
0.250%
BPI Advance Savings Account with Passbook
Php 100,000
Php 100,000
Php 100,000
Less than Php 100,000
N.A.
100,000 - 999,999
0.750%
1M and above
1.500%
Maxi-Saver4 Savings with ATM
Php 50,000
Php 50,000
Php 50,000
Less than Php 50,000
N.A.
50,000 - 499,999
0.250%
500,000 - 999,999
0.375%
1M and above
1.000%
With 0.5% BONUS p.a. if no withdrawal within a month
Maxi-Saver4 Savings with Passbook
Php 75,000
Php 75,000
Php 75,000
Less than Php 75,000
N.A.
75,000 - 499,999
0.250%
500,000 - 999,999
0.375%
1M and above
1.000%
With 0.5% BONUS p.a. if no withdrawal within a month
Maxi-Saver4 Savings with Passbook (Corporate)
Php 250,000
Php 250,000
Php 250,000
Less than Php 250,000
N.A.
250,000 - 499,999
0.250%
500,000 - 999,999
0.375%
1M and above
0.500%
With 0.5% BONUS p.a. if no withdrawal within a month
Get Started Savings Account with Life Insurance
o ATM
Php 25,000
Php 25,000
Php 25,000
0.250%
o Passbook
Php 75,000
Php 75,000
Php 75,000
0.250%
BPI Save-Up Automatic Savings + Insurance
N.A.
Php 1,000
Php 5,000
0.250%
BPI Save-Up High Automatic Savings
N.A.
Php 1,000
Php 5,000
Php 5,000 - 49,999
0.250%
50,000 - 499,999
0.500%
500,000 and above
0.625%
Peso Checking Account
Express Teller Checking
Php 10,000
Php 10,000
N.A.
N.A.
Business Checking
Php 10,000
Php 10,000
N.A.
N.A.
Ka-Negosyo CA with ATM and Statement
Php 10,000
Php 10,000
Php 50,000
0.250%
Ka-Negosyo CA with Statement
Php 10,000
Php 10,000
Php 50,000
0.250%
Ka-Negosyo CA with Passbook
Php 25,000
Php 25,000
Php 100,000
0.250%
Maxi-One with Statement
If daily balance is:
o Individual
Php 25,000
Php 25,000
Php 25,000
Php 25,000 - 999,999
0.250%
o Corporate
Php 50,000
Php 50,000
Php 25,000
1,000,000 and above
0.350%
Maxi-One with Passbook
If daily balance is:
o Individual
Php 250,000
Php 250,000
Php 25,000
Php 25,000 - 999,999
0.250%
o Corporate
Php 500,000
Php 500,000
Php 25,000
1,000,000 and above
0.350%
Dollar Account
Express Dollar Savings
$ 500
$ 500
$ 500
0.250%
Dollar Savings with Passbook
$ 500
$ 500
$ 500
0.250%
Third Currency Savings Account*
AUD -Australian Dollar Passbook Savings
AUD 500
AUD 500
AUD 500
1.25%
CAD -Canadian Dollar Passbook Savings
CAD 500
CAD 500
CAD 500
0.250%
CHF-Swiss Franc Passbook Savings
CHF 500
CHF 500
N.A.
N.A.
CNY/RMB – Chinese Yuan Passbook Savings
CNY/RMB 3,500
CNY/RMB 3,500
CNY/RMB 3,500
0.100%
EUR- Euro Passbook Savings
EUR 500
EUR 500
EUR 500
0.05%
GBP –British Pound Passbook Savings
GBP 500
GBP 500
GBP 500
0.250%
HKD - Hong Kong Dollar Passbook Savings
HKD 500
HKD 500
HKD 500
0.050%
JPY- Japanese Yen Passbook Savings
JPY 50,000
JPY 50,000
N.A.
N.A.
 
*For Third Currency deposit products, visit any of the 50 accredited BPI branches. View List of BPI branches offering Third Currencies.
 
BPI Family Savings Bank
 
Type of Deposit Account
Required Initial Deposit
Required Minimum Monthly ADB1
Required Daily Balance2 to Earn Interest
Interest Rate3
(Per Annum)
Peso Savings Account
Jumpstart Savings
Php 100
Php 500**
Php 1,000
0.500%
Easy Saver
Php 200
N.A.
Php 1,000
0.500%
Express Teller Savings
Php 500
Php 1,000
Php 3,000
0.500%
Passbook Savings
Php 10,000
Php 10,000
Php 25,000
0.500%
BPI Advance Savings Account with Passbook
Php 100,000
Php 100,000
Php 100,000
Less than Php 100,000
N.A.
100,000 -999,999
1.000%
1M and above
1.750%
Maxi-Saver4 Savings with ATM
Php 25,000
Php 25,000
Php 25,000
Less than Php 25,000
N.A.
25,000 - 499,999
0.500%
500,000 - 999,999
0.625%
1M and above
1.250%
With 0.5% BONUS p.a. if no withdrawal within a month
Maxi-Saver4 Savings with Passbook
Php 50,000
Php 50,000
Php 50,000
Less than Php 50,000
N.A.
50,000 - 499,999
0.500%
500,000 - 999,999
0.625%
1M and above
1.250%
With 0.5% BONUS p.a. if no withdrawal within a month
Maxi-Saver4 Savings with Passbook (Corporate)
Php 150,000
Php 150,000
Php 150,000
Less than Php 150,000
N.A.
150,000 - 499,999
0.500%
500,000 - 999,999
0.625%
1M and above
0.750%
With 0.5% BONUS p.a. if no withdrawal within a month
Get Started Savings Account with Life Insurance
o ATM
Php 5,000
Php 5,000
Php 10,000
0.500%
o Passbook
Php 50,000
Php 50,000
Php 50,000
0.500%
BFSB Save-Up Automatic Savings + Insurance
N.A.
Php 1,000
Php 3,000
0.500%
BFSB Save-Up Automatic High Savings
N.A.
Php 1,000
Php 3,000
Php 3,000 - 49,999
0.500%
50,000 - 499,999
0.750%
500,000 and above
0.875%
Peso Checking Account
Express Teller Checking
Php 5,000
Php 5,000
N.A.
N.A.
Regular Checking
Php 10,000
Php 10,000
N.A.
N.A.
Ka-Negosyo CA with ATM and Statement
Php 10,000
Php 10,000
Php 50,000
0.500%
Ka-Negosyo CA with Statement
Php 10,000
Php 10,000
Php 50,000
0.500%
Ka-Negosyo CA with Passbook
Php 25,000
Php 25,000
Php 100,000
0.500%
Maxi-One with Statement
If daily balance is:
o Individual
Php 25,000
Php 25,000
Php 25,000
Php 25,000 - 999,999
0.500%
o Corporate
Php 50,000
Php 50,000
Php 25,000
1,000,000 and above
0.700%
Maxi-One with Passbook
If daily balance is:
o Individual
Php 150,000
Php 150,000
Php 25,000
Php 25,000 - 999,999
0.500%
o Corporate
Php 500,000
Php 500,000
Php 25,000
1,000,000 and above
0.700%
Dollar Account
Get Started Savings Account with Life Insurance
$ 1,000
$ 1,000
$ 1,000
0.125%
Dollar Savings with Passbook
$ 500
$ 500
$ 500
0.250%
Note: BPI Family Savings Bank is a subsidiary of Bank of the Philippine Islands.

 
BPI Direct Savings Bank
 
Type of Deposit Account
Required Initial Deposit
Required Minimum Monthly ADB1
Required Daily Balance2 to Earn Interest
Interest Rate3
(Per Annum)
Peso Savings Account
BPInoy Savings
N.A.
N.A.
(For as long as there is a remittance transaction at least once every three months)
Php 500
0.500%
BPI Direct Express Teller Savings
Php 500
Php 500
Php 500
0.500%
BPI Direct Stock Trade Account
Php 500
Php 500
Php 500
0.500%
BPI Direct
Save-Up Automatic Savings + Insurance
N.A.
Php 1,000
Php 1,000
0.500%
Maxi-Saver4 Savings with ATM
Php 25,000
Php 25,000
Php 25,000
Less than Php 25,000
N.A.
25,000 - 499,999
0.500%
500,000 - 999,999
0.625%
1M and above
1.250%
With 0.5% p.a. BONUS if no withdrawal within a month
Peso Checking Account
BPI Direct Maxi-One Checking
Php 25,000
Php 25,000
Php 25,000
0.500%
 
 
1 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)

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

3 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.

4 For Maxi-Saver Savings, if withdrawal exceeds 6 times within a month, the account will be subject to the rate that applies to the lowest interest-bearing tier. Any form of client initiated debit from the account is considered a withdrawal.

** Waived for one(1) year for accounts opened starting March 16, 2012.
 
 


Member: PDIC. Maximum Deposit Insurance for Each Depositor P500,000.