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Fees and Charges

Peso Savings Accounts
Product / Service Fee/s Fees by Category
Minimum - Initial Deposit Php 2,000.00
Monthly Maintenance Charge Active Accounts
  • No interest shall be paid if balance falls below the monthly average daily balance of Php2,000.00
  • Php 200.00 per month if balance falls below the monthly average daily balance of Php2,000.00 for two (2) consecutive months
Monthly Maintenance Charge Dormant Accounts
  • Php 200.00 per month if balance falls below the monthly average daily balance of Php 2,000.00
  • No services charge for SSS pensioners.
Closing of Accounts Php100.00 if account is closed within 60 days from date of opening
Accounts with Automatic Transfer Arrangements Php100.00 penalty charge per month if balance falls below the required balance of Php10,000.00 for individual and Php20,000.00 for corporation
Lost Passbook Php100.00 charge for the issuance of a new passbook
Minimum ADB Requirement Accounts with ATF
  • Individual - Php 10,000
  • Corporation - Php 20,000
Minimum ADB Requirement Accounts without ATF
  • Php 2,000
Service Charge Below ADB Acitve Accounts
  • Php 200.00 per month if the account is inactive for two consecutive (2) months
Service Charge Below ADB Dormant Accounts
  • Php 200.00 for two consecutive (2) months
Minimum ADB to Earn Interest Php 5,000.00 Quarterly
Interest Rate 0.25 %
Peso Savings ATM Accounts
Product / Service Fee/s Fees by Category
Minimum - Initial Deposit Php 2,000.00
Monthly Maintenance Charge Active Accounts
  • Php 200.00 per month if balance falls below Php2,000.00 at average daily balance of Php 2,000.00 for two (2) consecutive months
  • No interest shall be paid if average daily balance falls below Php 2,000.00
Monthly Maintenance Charge Dormant Accounts
  • Php 200.00 per month if the account is inactive for two (2) years.
  • Php 200.00 per month if balance falls below the monthly average daily balance of Php2,000.00
  • Php 200.00 per month if balance falls below the required monthly balance of Php2,000.00
Closing of Accounts Php100.00 if closed within 60 days from date of opening
Replacement of Damaged/Lost ATM Card Php 100.00
Change of PIN Php 100.00
Inter-Bank Fund Transfer Fee (IBFT) Php 25.00
Statement request fee First three (3) pages Php 100.00, Succeeding pages Php 10.00 per page
Balance Inquiry Fee (Other Bank's ATM) Php 1.00
Transaction Fee (Other Bank's ATM) Php 10.00
Maximum withdrawal amount per day Php 20,000.00
Maximum withdrawal frequency per day none
Maximum withdrawal amount per transaction (PTC's ATM) Php 10,000.00
Minimum withdrawal amount per transaction (PTC's ATM) Php 100.00
Service Charge Below ADB Active Accounts
  • Php 200.00 per month if the account is inactive for two (2) consecutive months
Service Charge Below ADB Dormant Accounts
  • Php 200.00 monthly
Minimum ADB to Earn Interest Php 5,000.00 Quarterly
Interest Rate 0.25 %
Minimum ADB Requirement Php 2,000.00
Peso Checking Accounts
Product / Service Fee/s Fees by Category
Minimum - Initial Deposit Individual, Partnership, and Sole Proprietroship
  • Php 10,000.00
Minimum - Initial Deposit Corporate Accounts
  • Php 15,000.00
Monthly Maintenance Charge for Checking Accounts For Active Individual, Partnership, and Sole Proprietorship Accounts
  • Php 200.00 per month if daily balance falls below Php10,000.00 at any time during the month
  • Php 200.00, if balance falls below ADB of Php 10,000.00 for two (2) consecutive months.
Monthly Maintenance Charge for Checking Accounts For Active Corporate Accounts
  • Php 200.00 per month if daily balance falls below Php15,000.00 at any time during the month
  • Php 200.00, if balance falls below ADB of Php 15,000.00 for two (2) consecutive months
Monthly Maintenance Charge for Checking Accounts For Dormant Accounts
  • Php 200.00 per month if inactive for 1 yr. irrespective of the balance
  • Php 200.00 for dormant accounts below ADB
Rejected due to uncollected or insufficient funds (CHHR Sec. 27.1 & 27.5), (RRICO Sec. 20.1 & 20.5), (CHOM No. 380) Php2,000.00 service charge plus penalty charge of Php200.00 per day for every Php40,000.00 or a fraction thereof based on amount of check, to be imposed on both working and non-working days
Returned Checks with the reason of Post-Dated or Stale-Dated (CHOM No. 96) 1/8 of 1% of amount of check or Php100.00 whichever is higher per day
Returned Checks covered by cash deposit on the next clearing day Php1,000.00 service charge per check plus penalty charge of Php200.00 per day for every Php40,000.00 or a fraction thereof
Returned Checks for reason "Payment Stopped" Service charge of Php2,200.00 for Php40,000.00 below, for 40,000.00 above charges will be computed. (Memo dated 01/16/07 BD-16/07)
Checking Requisition At prevailing rate set by the Printing Company Presently: Php 175.00 - Personal Checks, Php 350.00 - Commercial Checks
Monthly Maintenance Charge Php 200.00 if inactive for one (1) year.
Service Charge Below ADB Active Accounts
  • Php 200.00 per month if the account is inactive for two (2) consecutive months
Service Charge Below ADB Dormant Accounts
  • Php 200.00 monthly
Minimum ADB Requirement Individual
  • Php 10,000.00
Minimum ADB Requirement Corporation
  • Php 15,000.00
Minimum ADB to Earn Interest No Interest
Interest Rate No Interest Rate
Peso Time Deposit
Product / Service Fee/s Fees by Category
Minimum - Initial Deposit Php 5,000.00
Doc. Stamps Tax Php 1.00 for every Php 200.00 of fraction thereof
Pretermination Within the first half of the agreed term
  • 50% of agreed interest rate
Pretermination Within the second half of the agreed term
  • Cost of Doc. Stamps Php1.00 for every Php200.00 or fraction thereof
  • Time deposit with term of less than 1 yr. the Doc. Stamp shall be of a proportional amount in accordance with the ratio of its term in number of days to 365 days (R.A. 9243 Sec. 179)
  • Upon pretermination, the doc. stamps will be deducted from the process of the placements or will be shouldered by the depositor
  • No interest will be paid if preterminated within 6 days (Memo dated Apr. 21, 1993)
Pretermination Within up to 7 days from the date placed
  • 25% of agreed interest rate
U.S. Dollar Savings Accounts
Product / Service Fee/s Fees by Category
Minimum - Initial Deposit Cash
  • USD 100.00
Minimum - Initial Deposit Check
  • USD100.00 in cash, plus the amount of the check to be deposited.
Monthly Maintenance Charge Active Accounts
  • USD1.00 per month if balance falls below the required maintaining balance of USD100.00
  • Interest rate shall be based on the lowest monthly cleared balance of USD 500.00
Monthly Maintenance Charge Dormant Accounts
  • USD 5.00 per month if inactive for 2 yrs.
  • No interest shall be paid for Dormant Accounts
Charges on Withdrawals If Cash was deposited and withdrawn outright in the form of cash
  • USD 30.00
U.S. Dollar notes deposited & withdrawn outright 1/2 of 1% In the form of Draft or Cable
  • USD 23.00
U.S. Dollar notes deposited & withdrawn outright 1/2 of 1% Cable Cost
  • USD 12.50
U.S. Dollar notes deposited & withdrawn outright 1/2 of 1% Commission
  • USD 15.00
Returned Checks (check deposited to account) Minimum of USD 25.00
Handling Charge on Dollar Check Deposits USD 2.50 for each check deposited.
Closing of Account USD 5.00 if account is closed within 180 days from date of opening
Minimum ADB to Earn Interest $500.00
Service Charge Below ADB Active Accounts
  • $1.00 per month if the account is inactive for two (2) consecutive months
Service Charge Below ADB Dormant Accounts
  • $1.00 monthly
Minimum ADB to Earn Interest $500.00 (Average daily balance) monthly
Interest Rate Active Accounts
  • 0.50 %
Interest Rate Dormant Accounts
  • No Interest
U.S. Dollar Time Deposits
Product / Service Fee/s Fees by Category
Minimum - Initial Deposit USD1,000.00
Pre-termination Within the first half of the agreed term
  • 25% of agreed interest rate
Pre-termination Within the second half of the agreed term
  • 50% of agreed interest rate
  • No interest will be paid when preterminated within 6 days from the date of deposit/renewal
Minimum Term 30 days
Long Term Dollar Time Deposit Minimum Term
  • 5 years
Long Term Dollar Time Deposit Non-negotiable certificate.
Long Term Dollar Time Deposit Pre-termination allowed, subject to BSP regulations.
Long Term Dollar Time Deposit Minimum Placement
  • USD 5,000.00
Outward Bills for Collection - Domestic
Product / Service Fee/s Fees by Category
Commission Below Php 10,000.00
  • 1/4 of 1% or (.0025) plus Php50.00 for postage
Commission Php10,001.00 & above
  • 1/8 of 1% or (.00125) plus Php50.00 for postage
Commission Minimum
  • Php 100.00
Rental of Safe Deposit Box
Product / Service Fee/s Fees by Category
3 x 5 x 21 Php 600.00
5 x 5 x 21 Php 700.00
3 x 10 x 21 Php 800.00
5 x 10 x 21 Php 1,000.00
10 x 10 x 21 Php 1,500.00
KEY DEPOSIT Php 1,000.00
Loans
Product / Service Fee/s Fees by Category
Appraisal Fee Areas within Metro Manila
  • Minimum of P2,000,00 for one TCT. However, if the submitted collaterals are several TCTs located within the same subdivision or location, additional fee of P50.00 will be charged for the verification of the TCTs;
  • Minumum of P2,000.00 for one TCT plus P1,000.00 for each additional TCT or location that is far from the first location under the same application for credit;
Appraisal Fee Areas outside of Metro Manila (with one-day / office hours fieldwork)
  • Minimum of P3,000,00 for one TCT. However, if the submitted collaterals are several TCTs located within the same subdivision or location, additional fee of P50.00 will be charged for the verification of the TCTs;
  • Minumum of P3,000.00 for one TCT plus P1,000.00 for each additional TCT or location that is far from the first location under the same application for credit;
Appraisal Fee Provincial areas ( with overnight or more than one- day fieldwork)
  • Minimum of P5,000,00 initial fee for one TCT or location, plus P1,500.00 for each additional collateral that is far from the first location under the same application for credit, plus airfare and / or gasoline expense and actual receipted incidental expenses collectable after appraisal inspection.
Appraisal Fee Large parcels of land
  • Apply the above basic rates and additional charges on case-to-case basis.
Documentary Stamp P1.00 on each P200.00, or fraction part thereof on every original issue of debt instruments of one year. For less than 1 year, a proportional amount in accor- dance with the ratio of its term in number of days to 365 days.
Registration Fee Based on amount of mortgage per schedule of fees.
Service Fee 2% per annum on PRINCIPAL outstanding balance in addition to the contracted loan interest rate.
Penalty Charge In case any note/amortization and/or interest becomes past due, a penalty charge of 2% per month shall be collected on the outstanding PRINCIPAL balance from date of default until full payment of the obligation.
Certification Fee Php 500.00 per Certification of Loan Credit Line.
Commitment Fee 1/4 of 1% of the Committed amount of P 2,500.00, whichever is higher.
Cancellation of Mortgage Php 500.00 for re-issuance of Cancellation of Mortgage.
Inward Remittances
Product / Service Fee/s Fees by Category
Credit to Peso Savings Account (S/A) or Current Account (C/A) Doc. Stamps
  • Php0.30 for every Php200.00 or fraction thereof
Credit to Peso Savings Account (S/A) or Current Account (C/A) Commission
  • Php 250.00
Credit to U.S. Dollar Account
  • USD500 - & BELOW: USD7.50
  • USD501 - USD1,000: USD15.00
  • USD1,001 - USD1,500: USD20.00
  • USD1,501 - USD2,500: USD22.50
  • USD2,501 - USD5,000: USD27.50
  • USD5,001 - USD10,000: USD30.00
  • USD10,001 - USD20,000: USD32.50
  • USD20,001 - USD40,000: USD35.00
  • USD40,001 - USD50,000: USD37.50
  • USD50,001 - USD100,000: USD40.00
  • USD100,001 - USD250,000: USD50.00
  • USD250,001 - USD500,000: USD55.00
  • USD500,001 - USD750,000: USD65.00
  • USD750,001 - USD1,000,000: USD75.00
  • USD1,000,001 - USD1,250,000: USD85.00
  • USD1,250,001 - USD1,500,000: USD95.00
  • USD1,500,001 - & ABOVE: 0.00007
Proceeds in Dollar Draft or via PDDTS payable to an account with another bank
  • USD500 - & BELOW: USD7.50
  • USD501 - USD1,000: USD15.00
  • USD1,001 - USD1,500: USD20.00
  • USD1,501 - USD2,500: USD22.50
  • USD2,501 - USD5,000: USD27.50
  • USD5,001 - USD10,000: USD30.00
  • USD10,001 - USD20,000: USD32.50
  • USD20,001 - USD40,000: USD35.00
  • USD40,001 - USD50,000: USD37.50
  • USD50,001 - USD100,000: USD40.00
  • USD100,001 - USD250,000: USD50.00
  • USD250,001 - USD500,000: USD55.00
  • USD500,001 - USD750,000: USD65.00
  • USD750,001 - USD1,000,000 : USD75.00
  • USD1,000,001 - USD1,250,000: USD85.00
  • USD1,250,001 - USD1,500,000 : USD95.00
  • USD1,500,001 - & ABOVE: 0.00007
Proceeds in Peso Manager's Check (MC) Doc. Stamps
  • Php0.30 for every Php200.00 or fraction thereof
Proceeds in Peso Manager's Check (MC) Processing Fee
  • Php 100.00
Outward Remittances (withdrawal from U.S. Dollar Accounts)
Product / Service Fee/s Fees by Category
Draft - FCD (ANY AMOUNT) USD 15.00
SWIFT Transfer Charges USD 23.00
Remittance order cancellation request/stop payment on draft USD 40.00
Amendment/Replacement of Draft USD 15.00 Cancellation of original SWIFT MT110
  • USD 15.00
Amendment/Replacement of Draft USD 15.00 Issuance of new SWIFT MT110
  • USD 15.00
Sale of Foreign Exchange (FX) Currency Against Peso
Product / Service Fee/s Fees by Category
Issuance of Dollar Draft Documentary Stamp
  • Php 0.30 for every Php 200.00 or fraction thereof
Issuance of Dollar Draft Commission
  • 0.5% (minimum of Php 150.00) plus cable charge of Php 650.00 for USD 1,000.00 and above
Application for SWIFT Transfer Documentary Stamps
  • Php 0.30 for every Php 200.00 or fraction thereof
Application for SWIFT Transfer Cable Charge
  • Php650.00
Application for SWIFT Transfer Commission
  • 0.5%
Philippine Domestic Dollar Transfer Systems (PDDTS)
Product / Service Fee/s Fees by Category
INWARD In U.S. DOLLARS ----> Converted to PESO (End-of-day netting)
  • USD4.00
INWARD Commission
  • Php 250.00
INWARD Documentary Stamps
  • Php 0.30 for every Php 200.00 or fraction thereof
OUTWARD In U.S. DOLLARS
  • USD 12.50
Domestic Remittance
Product / Service Fee/s Fees by Category
Electronic Peso Clearing and Settlement System (EPCS) Inward - Credit to S/A or C/A (Service Charge)
  • Php 200.00
Electronic Peso Clearing and Settlement System (EPCS) Outward
  • Php 250.00
SWIFT - Real Time Gross Settlement (RTGS) Inward - Commission
  • Php 200.00
SWIFT - Real Time Gross Settlement (RTGS) Outward - Commission
  • Php 250.00
Export Letters of Credit (LC)
Product / Service Fee/s Fees by Category
Export LC Advising Advising Fee
  • IF CLIENT - No Charge IF NON - CLIENT - Php 800.00
Export LC Amendment Amendment Fee
  • IF CLIENT - No Charge IF NON - CLIENT -Php 600.00
Export LC Negotiations Postage
  • Courier Service per document, Php 1,000.00 minimum
Export LC Negotiations Documentary Stamps
  • Php 0.30 for every Php 200.00 or fraction thereof
Export LC Negotiations Cable Charge
  • P 650.00
Export LC Negotiations Commission
  • Drafts Purchased in Transit if paid in Pesos) - No charge
Documentary Collections Outgoing Bills (if paid in foreign currency)
  • Handling Fee in lieu of exchange - 1/4 of 1% of draft amount
  • Courier Service - Php 1,000.00 minimum per document
  • Documentary Stamps - Php 0.30 for every Php 200.00 or fraction thereof
  • Cable Charge (if applicable) - Php 650.00
Documentary Collections
Product / Service Fee/s Fees by Category
Incoming Bills Non-Trade
  • In U.S. Dollar Payment - Commission (Foreign and Domestic), Loans and Collection
  • 1/4 of 1% of face amount minimum of Php 1,000.00
Incoming Bills Trade
  • Documentary Bills and Open Accounts, DA, Offshore
  • Cable Charge - Php 650.00
  • Handling Charge - Php 1000.00
Import Letters of Credit (LC)
Product / Service Fee/s Fees by Category
Documentary Stamps (Domestic and Foreign LC) Php0.30 for every Php200.00 or fraction thereof on each bill of exchange and each LC opened
Import LC Openings Commission
  • Sight, Usance Credit - 1/4 of 1% first 60 days, 1/8 of 1% every 30 days thereafter minimum of Php1,000.00
  • Domestic LCs - the same as above
  • Cable Charges - Php1,500.00 to Php2,000.00
Import LC Amendments Commission
  • Increase in Amount of Credit - 1/4 of 1% first 60 days, 1/8 of 1% every 30 days thereafter minimum of Php1,000.00
  • Extension of Credit - Based on the outstanding balance, 1/8 of 1% per month minimum of Php 1,000.00
  • Other Amendments - Php 1,000.00
  • Cable Charges - Php 650.00
Import LC Negotiations Sight Bills
  • Non-LC (DP, DA, DR, OA, AP, Offshore)
  • Commission - None
  • Doc. Stamps - Php0.30 for every Php200.00 or fraction thereof
  • Excess Drawings - 1/4 of 1% of amount over and above LC value
Import LC Negotiations Usance Bills
  • Commitment Fee (Draft Drawn on Accountee) - 1/4 of 1% every month or fraction thereof from negotiation of drafts to maturity, minimum of Php1000.00
  • Domestic Bills - 1/4 of 1% every month, minimum of Php1000.00
  • Handling Fee for Self-Funded Import Bill - 1/4 of 1% of face value
  • Cable Charge - Php650.00
Import / Domestic Financing Trust Receipts
  • Interest at prevailing standard or negotiable rate
  • Penalty for past due accounts at prevailing standard or negotiable rate
Others Shipside Bonds (SSB)
  • Commission - Php 400.00
  • Penalty - Php 300.00 per month after 30 days
  • Doc. Stamps - Php 1.50 per cancelled guaranty
Others Service of Customs Duties
  • For each Final Customs Duties entry - Php 300.00
  • For IED - Php 250.00
Other Services
Product / Service Fee/s Fees by Category
APPLICATION FOR MANAGER'S CHECK (MC) AND GIFT CHECK (GC) Php 50.00
BANK CERTIFICATION FEE Php 100.00
ENCASHMENT Philtrust Bank Checks
  • No charge
ENCASHMENT Philtrust Bank MCs/GCs
  • No charge
ENCASHMENT Philtrust Bank Demand Draft (Domestic)
  • No charge
ENCASHMENT Traveler's Check
  • For Pesos: Doc. Stamps - P0.30 for every P200.00 or fraction thereof
  • For U.S. Dollars: Commission - 1/4 of 1% in lieu of exchange
ENCASHMENT Peso Checks Issued Abroad Drawn on Philtrust Bank
  • Doc. Stamps - Php 0.30 for every Php 200.00 or fraction thereof
  • Commission - Php 100.00
MICROFILM REPRODUCTION OF CHECK Php 100.00 per document/copy
REQUEST FOR XEROX COPY Php 2.00 per document/copy
FORCED OPENING OF SAFE DEPOSIT BOXES (SDB) Actual charges of servicing company plus 30% of the actual charges
INTER-BRANCH TRANSACTIONS (Intended for Philtrust Bank Provincial Branches) Php 100.00
INTERIM STATEMENT Php 20.00
ACCOUNTS UNDER GARNISHMENT No Interest. No Service Charge.
HISTORICAL (PREVIOUS) STATEMENTS First three (3) pages Php 100.00 , Succeeding pages Php 10.00/page