Who can join
This program is available to:
- New-to-Bank (NTB) business clients
- Clients with newly opened eligible business accounts
How to join
- Open a BusinessPlus Checking Account within the period of April 15 – August 31, 2026.
- Opt in to the Kickstart Rewards Promo by confirming your participation through your Relationship Manager or assigned Bank representative.
- Maintain your Average Daily Balance (ADB).
- Earn interest based on your balance tier.
Interest is credited to your account monthly, starting from the tagging date until December 31, 2026.
Why Kickstart Rewards?
Turn idle business funds into earning capital
Earn up to 2.00% interest* on your BusinessPlus Checking account so you can maximize your earning potential.
Scale your returns as you grow
The more funds you keep, the higher your interest tier—rewarding your growth automatically.
Keep your funds accessible
Pay suppliers, transfer funds, or cover operating expenses anytime—no lock-in required.
No extra requirements
No tracking and no additional transactions. Just maintain your balance and start earning.
Built for growing businesses
Ideal for managing working capital, holding reserves, or preparing for expansion—Kickstart Rewards keeps your money productive even when it’s parked.
*Interest rates are tiered; maintain higher balances to qualify for higher interest.
Interest rates
Your interest rate depends on your maintained Average Daily Balance (ADB) using fresh funds:
| Fresh Funds ADB | Interest rate |
| Below PHP 1M | Regular rate |
| PHP 1M to < PHP 3M | 1.10% |
| PHP 3M to < PHP 5M | 1.20% |
| PHP 5M to < PHP 10M | 1.50% |
| PHP 10M to < PHP 20M | 1.70% |
| PHP 20M to < PHP 50M | 1.80% |
| PHP 50M to < PHP 100M | 1.90% |
| PHP 100M and above | 2.00% |
Important information:
For full program mechanics, eligibility, and terms, please refer to the official Terms & Conditions.
Who can join
This program is available to:
- New-to-Bank (NTB) business clients
- Clients with newly opened eligible business accounts
How to join
- Open a BusinessPlus Checking Account within the period of April 15 – August 31, 2026.
- Opt in to the Kickstart Rewards Promo by confirming your participation through your Relationship Manager or assigned Bank representative.
- Maintain your Average Daily Balance (ADB).
- Earn interest based on your balance tier.
Interest is credited to your account monthly, starting from the tagging date until December 31, 2026.
Why Kickstart Rewards?
Turn idle business funds into earning capital
Earn up to 2.00% interest* on your BusinessPlus Checking account so you can maximize your earning potential.
Scale your returns as you grow
The more funds you keep, the higher your interest tier—rewarding your growth automatically.
Keep your funds accessible
Pay suppliers, transfer funds, or cover operating expenses anytime—no lock-in required.
No extra requirements
No tracking and no additional transactions. Just maintain your balance and start earning.
Built for growing businesses
Ideal for managing working capital, holding reserves, or preparing for expansion—Kickstart Rewards keeps your money productive even when it’s parked.
*Interest rates are tiered; maintain higher balances to qualify for higher interest.
Interest rates
Your interest rate depends on your maintained Average Daily Balance (ADB) using fresh funds:
| Fresh Funds ADB | Interest rate |
| Below PHP 1M | Regular rate |
| PHP 1M to < PHP 3M | 1.10% |
| PHP 3M to < PHP 5M | 1.20% |
| PHP 5M to < PHP 10M | 1.50% |
| PHP 10M to < PHP 20M | 1.70% |
| PHP 20M to < PHP 50M | 1.80% |
| PHP 50M to < PHP 100M | 1.90% |
| PHP 100M and above | 2.00% |
Important information:
For full program mechanics, eligibility, and terms, please refer to the official Terms & Conditions.
Fine Print
Program Terms and Conditions
1. Program Overview
The Kickstart Rewards Promo (“Promo”) is open to eligible Middle-Market and Micro, Small, & Medium Enterprise (MSME) new-to-bank (NTB) clients who open a BusinessPlus Checking Account during the opt-in period. Clients may earn premium interest rates based on their Average Daily Balance (ADB) subject to the Terms and Conditions set forth herein.
2. Opt-In Period
The program opt-in period runs from April 15 to August 31, 2026. Only accounts opened and opted in during this period shall be eligible for the program.
3. Interest Rate
The applicable interest rate shall be determined based on the Average Daily Balance (ADB) maintained during each interest crediting period. As ADB may vary within or across periods, the applicable interest rate may also change accordingly based on the corresponding ADB tier achieved.
| Fresh Funds ADB | Interest Rate |
| Below PHP 1M | Regular rate |
| PHP 1M to < PHP 3M | 1.10% |
| PHP 3M to < PHP 5M | 1.20% |
| PHP 5M to < PHP 10M | 1.50% |
| PHP 10M to < PHP 20M | 1.70% |
| PHP 20M to < PHP 50M | 1.80% |
| PHP 50M to < PHP 100M | 1.90% |
| PHP 100M and above | 2.00% |
4. Tagging*, Effectivity, and Interest Crediting
- Upon client opt-in, the Bank will process tagging of the eligible accounts within five (5) working days. The Promo interest shall accrue starting from the date the account is successfully tagged under the Promo until December 31, 2026. No special interest shall apply prior to the tagging date.
- The Promo interest shall be computed on a daily basis on the applicable ADB and corresponding interest rate tier, and shall be credited to the account on a monthly basis, subject to applicable withholding tax.
- For the initial month, Promo interest shall be computed based on the actual number of days from the tagging date, up to the end of the month. A full monthly cycle is not required to earn premium interest.
- Clients are expected to fund and maintain the required ADB following the account tagging in order to qualify for the applicable Promo interest rate.
- Rates are subject to change without prior notice due to market conditions. Any such changes shall apply to all clients enrolled in the promo, and clients will be notified of any changes through Viber or email when applicable.
* The internal process performed by the Bank to formally identify and mark an account as eligible for the premium interest offer. Tagging confirms the client’s successful enrollment into the promo and serves as the basis for when the premium interest rate starts to apply.
5. Participation in Other Promos
Clients participating in the BusinessPlus Bonus Max Rewards Program, the BetterRewards: Gadget Promo, or any other Bank‑initiated promos available until December 31, 2026, are not eligible to join the Kickstart Rewards Promo, and vice versa.
6. Premium Rate Reversion
The Bank reserves the right to revoke or discontinue the application of the premium interest rate if the funds are later determined to be ineligible under the Promo guidelines and/or the Bank’s prevailing policies. If the Bank confirms that the fresh funds originated from within Security Bank, the premium interest rate will cease to apply, and the account shall earn interest at the default product rate.
7. Amendment and Termination
The Bank may, at its sole discretion, amend, suspend, or terminate the program at any time, with prior notice to clients.
8. Governing Conditions
All other terms and conditions governing BusinessPlus accounts and Premium Rates Program, which are not inconsistent with this Promo, shall continue to apply.