Fees and charges

Personal

Accounts Summary Details

Our Latest Account Summary Details

We are updating our account balance requirements and interest rates so you can get more out of banking with us. Effective 01 January 2024, the table below will apply.

  Opening Balance Maintaining Balance Interest Rate
(% p.a)
Debit Card Passbook Checkbook
All Access No opening balance
(PHP5,000 before January 1, 2024)
PHP25,000  0.0675%*
✓**
✓***
✓***
Easy Savings No opening balance
(PHP5,000 before January 1, 2024)
No maintaining balance
(PHP10,000 before January 1, 2024)
 0.0675%*
✓**
x
x
eSecure Savings PHP500 PHP500 0.5000% to 3.0000%****
x
x
x

*earn this rate for an Average Daily Balance of PHP25,000 and above
** get for FREE when you open an All Access or Easy Savings Account
***get for FREE when you open an All Access Account and maintain PHP25,000
****depends on maintaining balance. See the eSecure Savings Interest Rate table.

ATM Transactions
PROCESS/TRANSACTION FEES/CHARGES
Interbank ATM Withdrawal Fee PHP10 (PHP15; effectivity date April 07, 2021); PHP300 for Cirrus/Maestro
Interbank ATM Balance Inquiry Fee PHP1 (PHP2; effectivity date April 07, 2021)
Declined Transaction for Cirrus Maestro PHP60
Interbank Funds Transfer (IBFT):
  • One (1) to four (4) transactions per day: PHP25 per transaction
  • Five (5) or more IBFT per day: PHP80 per transaction

Note: Acquirer-based fee model will be implemented beginning April 7, 2021.

Effective September 15, 2021, ALL deposit products will be charged a transfer fee of PHP25.00 for each InstaPay transaction via the Security Bank Online app within 1-2 banking days. Charges for Easy Account remain applicable.

No charges will be applied for Gold Circle and Wealth Management Clients.

Checking and Savings Accounts
FEES AND CHARGES PESO SAVINGS ACCOUNT PESO CHECKING ACCOUNT  DOLLAR SAVINGS ACCOUNT
Notarial Fee (notarization of affidavit of loss) for Lost Passbook PHP200
Replacement of Lost Passbook or Trackbook/Recordbook (for Peso Checking Account) PHP200                       PHP200
Bank Certification

PHP200 (including Bank Certification for the British Embassy)

InstaPay (No InstaPay charges to be applied for Gold Circle and Wealth clients) PHP25 PHP25
Statement of Account (SOA)

PHP100 per page (for Easy Account)

PHP50 per page (for all other savings accounts)

PHP50 per page PHP50 per page (SOA for previous year/s)
Electronic Statement of Account (eSOA) Free-of-charge

Dormancy Charges starting on the 61st month

Reminders:

1.       You may visit any branch to reactivate your account and avoid dormancy charges.
2.       Please bring the following:

a.       For corporate accounts:

  • Two (2) valid IDs (2 primary IDs, or 1 primary ID and 1 secondary ID)
  • Passbook (as applicable)
  • Secretary Certificate and/or Board Resolution

b.       For Individual accounts:

  • Two (2) valid IDs (2 primary IDs, or 1 primary ID and 1 secondary ID)
  • Passbook (as applicable)
PHP30 per month PHP30 per month PHP30 per month (based on the prevailing exchange rate)

Minimum Balance Charges are to be collected only if the account falls below the minimum balance for two (2) consecutive months

Note:

1.  Applicable to Active and Dormant accounts
2. If your account remains dormant for ten (10) consecutive years, the remaining balance will be escheated in favor of the Treasury of the Philippines under the Unclaimed Balance Law (Republic Act No. 3936, as amended by Presidential Decree No. 679)

PHP300 per month
  • For All-Access Account: Php500 per month
  • For BusinessPlus Account: Php1,000 per month after two (2) consecutive months of falling below the required minimum maintaining balance.
  • For other checking accounts: Php300 per month
USD10 per month
Early Closure Charges (within 30 days)

PHP300 within 30 days (PHP500 starting September 15, 2021)

USD5 within 30 days (USD 15 starting September 15, 2021)

Over-the-Counter (OTC) Deposit Fee, for eSecure Savings Account only PHP100
Over-the-counter (OTC) Withdrawal Fee (PHP200 starting May 5, 2021) PHP30 (free-of-charge, for All-Access and All-In-One Checking Account)
Stop Payment Order (SPO) Request PHP300 per check; For more than 5 checks, a maximum amount of PHP1,500 per SPO request
Cost of Checkbook
  • For All-Access, BusinessPlus, Regular Checking and All-In-One Checking Accounts: PHP250 (Personal)(PHP300 starting September 15, 2021)
    ; PHP500 (Commercial); PHP750 (with voucher)
  • For CheckPower: PHP250 (Personal) (PHP300 starting September 15, 2021) ;
    PHP500 (Commercial)
  • For CheckRight: PHP750 (with voucher); PHP500 (without voucher)
  • For CheckOne: PHP250 (Personal) (PHP300 starting September 15, 2021); PHP500 (Commercial)
Cost of Debit MasterCard Replacement

PHP300 (for Easy Account)

 

PHP150 (for all other savings accounts)

PHP150
Cost of PIN Mailer Replacement PHP100 PHP100
Any Debit Card PIN-related request via branch (i.e. PIN reset or PIN replacement) PHP100 (for Easy Account)
RCOCI Charges PHP1,000 per check + PHP200 per day for every PHP40,000 amount of check or a fraction thereof
Presenting Bank’s Charges on Returned Checks PHP1,000 per check USD38.00 per check
Lifting of the 3 days hold on dollar notes deposit (For Cash Withdrawal) None

US Dollar Notes, deposits exceeding USD5,000 made by Individual or Business clients during the day

(except for Money Services Business [MSB]/Foreign Exchange Dealers and individual accounts of MSB/Foreign Exchange Dealer proprietor/owner)

0.10% of the amount over USD5,000 regardless of region

Note: ALL AMOUNT of foreign currency cash deposits from individuals, sole proprietorships, and corporations of MSBs shall be charged a 0.10% service charge without application of the threshold amount. To illustrate:

3rd Currency Check Deposit
  • Correspondent Bank Charges: To be determined based on currency
  • Courier Charges: To be determined based on currency
  • Collection Fee: USD6 per check, to be collected upon clearance of the check
Foreign currency checks received over-the-counter
  • Collection Items:
CHARGE AMOUNT OF CHECK
USD2.50 per check USD25.00 to USD50.00
USD5.00 per check Over USD50.00

Note: Not applicable for SB MasterCard Dollar billings.

  • Plus Fx Bills Purchased interest for FXBP
  • Plus DST of 0.60 for every PHP200.00, for dollar checks for deposit to peso account. A note representing the payment of the DST should be stamped on the FX Manifold.
Time Deposits
PROCESS/TRANSACTION FEES/CHARGES
Documentary Stamp Tax (DST) on pre-terminated TD PHP1.50 per PHP200 or a fraction thereof for the remaining term of TD
Pre-termination penalty for an interest rate of TD (different penalty rate to be applied on pre-termination date) Please refer to BBG Bulletin #2017-009
Bank Certification

PHP100 + PHP50 for visa application for British Embassy

PHP200 (including Bank Certification for British Embassy) (Effective March 18, 2019)

Loan Products
Home Loan Personal Loan Auto Loan SB Loan CS Loan
Amortization Schedule PHP100 PHP100 PHP100 PHP100 PHP100
Certificate of Conformity NA NA PHP2,000 NA NA
Certificate of Mortgage/Encumbrance PHP300 NA PHP300 PHP300 NA
Certificate of No objection PHP300 NA NA PHP300 NA
Certification of Full Payment PHP300 PHP300 PHP300 PHP300 PHP300
Certification of Outstanding balance PHP300 PHP300 PHP300 PHP300 PHP300
Certification of Outstanding balance and Total Interest Paid PHP300 PHP300 PHP300 PHP300 PHP300
Certified True Copy (CTC) of a loan document PHP100 PHP100 PHP100 PHP100 PHP100
Copy of Car Insurance Policy NA NA Free NA NA
Copy of Insurance policy Free NA NA Free NA
Copy of OR/CR Free NA Free NA NA
Copy of Real Estate Tax Receipt (RETR) Free NA NA Free NA
Copy of Signed Loan Document Free Free Free Free Free
Copy of Tax Clearance Free NA Free Free NA
Copy of Tax Declaration Free NA Free Free NA
Copy of TCT/CCT PHP100 NA PHP100 PHP100 NA
Copy of Welcome Kit Free Free Free Free NA
History of Payment PHP100 PHP100 PHP100 PHP100 PHP100
History of Premium Payment Free NA Free Free NA
Release of Collateral Free NA Free Free N/A
Statement of Account PHP100 PHP500 PHP100 PHP100 PHP500
Cash Card
PROCESS/TRANSACTION FEES/CHARGES
Replacement of Cash Card PHP150 (Local); PHP250 (International)
Replacement of PIN Mailer PHP100
Loading / Deposit (OTC) PHP100 per transaction Notes:

 

  • Fee is waived for PawnHero Pawnshop cardholders
  • Loading/deposit (OTC) is not allowed for USSC clients and ALL Payroll Cash Cards
Withdrawal (OTC) PHP100 per transaction
Funds Transfer (OTC)

 

  • CA/SA to CashCard
  • CashCard to CashCard
PHP100 Notes:

 

  • Fee is waived for transfer of balance from old Cash Card to new Cash Card account for USSC clients, in case of loss/stolen Cash Card
  • Funds Transfer (OTC) is not allowed for ALL Payroll Cash Cards
Inactivity Fee PHP350 per month starting on the 14th month
Copy of Transaction Record (OTC) PHP50 per page
Manager's Check
PROCESS/TRANSACTION FEES/CHARGES
Manager’s Check

PHP75

Gift Check PHP50
Worldlink Demand Draft
PROCESS/TRANSACTION FEES/CHARGES
Issuance Fee USD5
Handling Fee USD4
Cancellation Fee USD10
Photocopy Request Fee USD10
Documentary Stamp Tax (DST) ,if payment is made in Peso PHP0.60 per PHP200 peso equivalent or a fraction thereof
Commission 1/8 of 1% of total amount or minimum of PHP100
 
Safety Deposit Boxes (SDB)
PROCESS / TRANSACTION FEES / CHARGES
Rental
3 x 5 x 24 PHP800
4 x 5 x 24 PHP900
5 x 5 x 24 PHP1,000
3 x 10 x 24 PHP1,200
4 x 10 x 24 PHP1,400
5 x 10 x 24 PHP1,700
10 x 10 x 24 PHP2,700
15 x 10 x 24 PHP2,900
16 x 16 1/2 x 19 1/2 PHP3,200
Other Fees and Charges
Deposit for SDB keys PHP2,000
Replacement of Lost SDB keys PHP2,000
Payment for non-bank witnesses for forced opening PHP2,000
Inward Remittances
SOURCE OF REMITTANCE DESCRIPTION OF CHARGES RATES/FEES
1. Foreign Telegraphic Transfer

Credit to USD CASA

Commission USD5.50

Credit to Other FX Ccy (JPY, EUR, AUD, GBP, HKD, SGD, CAD)

Commission Equivalent of USD5.50 Computed as follows: e.g. Yen Credit USD5.50 X Selling Rate (SR) (Dollar to Peso) / Buying Rate (Yen to Peso)

Credit to PHP CASA

Commission USD5.50@ Selling Rate
DST PHP0.60 per PHP200 and a fraction thereof

Credit USD CASA with other local banks thru PDDTS (USD)

Commission USD5.50

Credit PHP CASA with other local banks thru EPCS (PHP)

Commission USD5.50 @ Selling Rate
DST PHP0.60 per PHP200 and a fraction thereof
2. Local Telegraphic Transfer (PDDTS)

Credit to USD CASA

Commission USD5.50

Credit to PHP CASA

Commission USD5.50@ Selling Rate
DST PHP0.60 per PHP200 and a fraction thereof

Return to Sender USD

Commission USD7.50
3. Local Telegraphic Transfer (RTGS)

Credit to PHP CASA

Commission PHP100
RTGS Charges Computed as: Principal amount X .00001
For Principal Amount of up to PHP10,000,500 Minimum of PHP100
For Principal Amount above PHP10,000,500 Principal Amount X .00001 rounded off to the nearest Peso
For Principal Amount of PHP40MM and above Maximum of PHP400
4. Local Telegraphic Transfer (PesoNet)

Credit to PHP CASA

Service Charge PHP0
Outward Remittances
DESCRIPTION OF CHARGES RATES/FEES
1. Foreign Telegraphic Transfer

Commission

1/8 of 1% of Principal Amount; minimum of PHP100

Cable Cost

USD20 or its peso equivalent @ SR

DST (if principal is funded in pesos)

PHP0.60 per PHP200 and a fraction thereof

If correspondent bank charges is “OUR”*

a. For USD and other 3rd Ccy**

USD15 or its peso equivalent @ SR

b. For YEN Ccy**

YEN5,000 or its USD/peso equivalent @ SR

c. For EUR Ccy**

EUR40 or its USD/peso equivalent @ SR

d. For HKD Ccy**

HKD300 or its USD/peso equivalent @ SR

e. For AUD Ccy**

AUD20 or its USD/peso equivalent @ SR

f. For SGD Ccy**

SGD20 or its USD/peso equivalent @ SR

g. For NZD Ccy**

NZD60 or its USD/peso equivalent @ SR

h. For GBP Ccy**

GBP20 or its USD/peso equivalent @ SR

i. For CNY Ccy**

USD15 or its peso equivalent @ SR
2. Local Telegraphic Transfer (PDDTS)

Commission

1/8 of 1% of Principal Amount; minimum of PHP100

Cable Cost

USD20 or its peso equivalent @ SR
3. Local Telegraphic Transfer (RTGS)

Commission

PHP100

Cable Cost

PHP300

RTGS Charges Computed as: Principal amount X .00001

  • Minimum of PHP100 for Principal Amount of up to PHP10,000,500
  • For Principal Amount above PHP10,000,500, multiply Principal Amount by .00001 rounded off to the nearest Peso
  • Maximum of PHP400 for Principal Amount of PHP40MM and above

If correspondent bank charges is “OUR”*

To be collected upon receipt of billing from the beneficiary bank
4. Local Telegraphic Transfer (PesoNet)

Service Charge (Over the Counter)

PHP50

* SBC Client is the Remitter and all charges will be debited from his account.
** Subject to change, and billing received from the Beneficiary Bank.
Updated as of October 2017

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