BPI Direct Savings and Checking Accounts | BPI Direct Save-up Account | BPI Direct Peso Time Deposit Rates | Other Service Charges | Interest on Accounts...
Deposit Rates



BPI Direct ATM Savings and Checking Accounts
Balance Requirements and Interest Rates
.As Of:
.

Type of Deposit Account
BPI Direct ATM Savings
BPI Direct Checking
Required Minimum Monthly ADB
PhP 500.00
PhP 25,000.00
Required Daily Balance to Earn Interest
PhP 500.00
PhP 25,000.00
Service Charge if below Minimum ADB
PhP 150.00
PhP 150.00
Interest Rates (per annum)
1.125%
If daily balance is:
PhP 0 - 499
0.000%
PhP 500 & above
1.375%


BPI Direct Save-Up Account

Particulars
Interest Rate/ Balance Requirements
Required Minimum Monthly ADB
PhP 1,000.00
Required Daily Balance to Earn Interest
PhP 1,000.00
Service Charge if below Minimum ADB
PhP 150.00
Interest Rates (per annum)
If daily balance is:
PhP 0 - 999
N.A.
PhP 1,000 - 399,999
1.00%
PhP 400,000 & above
2.00%


BPI Direct Peso Time Deposit Rates (per annum)

For the period: July 3 - July 9, 2012
Amount
35 days
63 days
91 days
PhP 1,000 – 10,000
----
----
1.750%
PhP 10,000 - 50,000
1.750%
1.750%
1.875%
PhP 50,000 - 100,000
2.000%
2.000%
2.000%
PhP 100,000 - 500,000
2.125%
2.125%
2.125%
PhP 500,000 - 1,000,000
2.250%
2.250%
2.250%
PhP 1,000,000 - 5,000,000
2.375%
2.375%
2.375%
Over PhP 5,000,000
2.500%
2.500%
2.500%
Note :
.............These rates are for BPI Direct clients only.


Other Service Charges

Type of Service Charge
Amount
Fee for closing within one month from date of account opening
PhP 500.00
Bank Certification
PhP 100.00
Falling Below Required ADB
PhP 150.00
Monthly Dormancy Fee
PhP 200.00
Balance Inquiry using Cirrus-affiliated ATM machine
USD 1.00
Unsuccessful Transaction using Cirrus-affiliated ATM machine
USD 0.50
Successful Withdrawal using Cirrus-affiliated ATM machine
USD 2.50
Service Fee for withdrawal using other ExpressNet-member banks, Megalink and Bancnet ATMs
PhP 10.00
Service fee for Balance Inquiry using other ExpressNet-member banks, Megalink and Bancnet ATMs
PhP 1.50
ATM Card Replacement
PhP 100.00
Personal Check
PhP 175.00
Commercial Check
PhP 350.00
Temporary Overdraft - Honored (Funded)
-Fixed Fee
PhP 1,000.00
-Plus
PhP 200.00 for every PhP 40,000.00 or a fraction thereof per day
Temporary Overdraft - Returned (DAIF/DAUD)
-Fixed Fee
PhP 2,000.00
-Plus
PhP 200.00 for every PhP 40,000.00 or a fraction thereof per day
Stop Payment Order (SPO) Application (per check)
PhP200.00
Stop Payment Order - Funded
-Fixed Fee
PhP2,000.00
Stop Payment Order - Unfunded
-Fixed Fee
PhP2,000.00
-Plus
PhP 200.00 for every PhP 40,000.00 or a fraction thereof per day
Technicalities
-Fixed Fee PhP2,000.00 per item except the following:
  • post/stale dated
  • signature missing
  • date irregular
  • Effective March 16, 2009
    Interest On Accounts
    ...
    Interest on your savings and/or current account(s) will be calculated based on such account’s daily balance, provided that your balance does not fall below the required balance to earn interest. Interest earned shall be credited according to the prevailing Bank-determined interest rate applicable.

    Your account balances shall be maintained at the agreed/required monthly average daily balance (ADB) computed as follows:

    ADB = (Day 1 ending balance + Day 2 ending balance… + Day 30 or 31 ending balance)
    ...................................No. of days in the month (i.e 30/31 days)
    Member of the Philippine Deposit Insurance Corporation.
    Maximum Deposit Insurance for Each Depositor P500,000.