Build Up Savings Account

While refining that dream plan, grow your funds in the
best high-yield savings account with no lock-in period
and access them when you’re ready.

Note: The base interest rate for Regular Build Up Savings is 0.074% while the base interest rate for Premium Build Up Savings is 0.17%


  • Reasonable opening & maintaining balance
  • Higher interest rate than traditional savings accounts
  • Access your money any time, no lock-in period
  • Unlimited deposits
  • Withdraw up to 3 times in a quarter

Is this account for you?

This account is perfect for:

  • Ambitious savers – grow your money faster!
  • Those who want to start saving for their long term goals
  • Those looking for higher interest rates but don’t want to be locked-in


Regular Build Up Savings Premium Build Up Savings
Opening Balance PHP 5,000 PHP 50,000
Maintaining Balance PHP 5,000 PHP 50,000
Balance to Earn Interest PHP 10,000 PHP 50,000
Base Interest Rate 0.074% 0.17%

Requirements for Opening a Bank Account

ID/Documentary Requirements

For Resident Citizen, Non-resident Citizen and Resident Alien 1 primary valid ID or 2 secondary valid IDs Click here for the list of valid IDs
For Non-resident Alien Passport or Alien Certification of Registration (ACR) I – Card

3 Easy Steps to Open an Account

  1. Complete the online account opening form.
  2. Wait for the confirmation for an online video call appointment.
  3. Accomplish online video call to finalize the application.

Get the most out of your savings

Low maintaining balance

Allows you to be carefree and flexible with your spend.

For your everyday essentials

Shop, dine, pay bills with ease using an account perfect for your everyday spend.

Manage your account anytime, anywhere

Easily manage your account with Security Bank Online Banking & Mobile App.

Convenient account opening

Get your Everyday Card and SB Online Access on the same day you opened it!

Choose how you want to save between our Regular and Premium Build up savings. No lock-in period!

Make banking transactions more convenient with Online Banking

Easy-to-use and seamless, our online banking facilities are designed to provide the best possible online banking experience.

Hear from our clients

“I opened my Premium Build Up Savings account at a Security Bank branch and it was so convenient. Didn’t need to fill out any forms.”

Maria J.

San Juan

“The flexibility of Build Up Savings is perfect for an occasional spender like me. And the high interest rates are just too good to pass up!”

Leah D.


Frequently Asked Questions

What happens if I exceed my maximum allowed withdrawals?

If you exceed the maximum allowed withdrawal, which in this case is 3 times per quarter, your account’s interest rate will revert back to the Savings Account interest rate.

Who can open a Build Up Savings / Premium Build Up savings account?

Anyone can open this high-interest account as long as minimum requirements are met. It is recommended for people who want higher returns but want to retain access to their accounts.

What is an Everyday ATM Debit MasterCard?

Everyday MasterCard is an international Debit and ATM MasterCard that you may use for ATM withdrawals, point of sale, and online purchases both locally and abroad.

What are the benefits of the Everyday ATM Debit MasterCard?

The Everyday ATM Debit MasterCard entitles you to the ff. benefits:

  • Discount and perks from partner merchants (
  • No annual fee
  • Free renewal of the card upon expiry
  • Free withdrawal from ANY Security Bank ATM

How do I avail of discounts and perks from partner merchants?

Use your Everyday ATM Debit MasterCard to transact with the partner merchant. Terms and conditions apply.

How long will it take to receive and activate an Everyday ATM Debit MasterCard?

The ATM Everyday Debit MasterCard is instantly issued upon account opening. Activation, however, takes 24 hours. You may only use your card the day after account opening.

Note that the Everyday Debit MasterCard must be activated first through a Security Bank ATM Machine before you can use another bank’s ATM.

Can I use my Everyday ATM Debit MasterCard in other banks’ ATMs?

Yes, you can use your card in CashLink, BancNet, or MegaLink ATMs nationwide. Outside the Philippines, you can use any ATM that accepts MasterCard. Please note however those certain withdrawal fees and charges apply.

What do I do if my Everyday ATM Debit MasterCard gets lost or stolen?

Immediately inform us of the lost or stolen privilege card by calling the Customer Service Hotline at (632) 8887-9188. You may also go to any branch to have your card replaced. A card replacement fee of P150 will be charged.

When does my Everyday ATM Debit MasterCard expire? How can I renew it?

Your card will expire 5 years after getting it. Upon expiry, present your card to any Security Bank branch for free renewal.

Can I choose to defer either the passbook or Everyday ATM Debit MasterCard?

Yes, you may choose to avail one or both facilities available to the Build Up Savings / Premium Build Up Savings account (passbook, ATM).

When can I activate my account in Digibanker and SBOL?

This will follow the existing turnaround time:

  • Digibanker – 2 to 3 days upon enrollment
  • Security Bank Online – Within 24 hours upon enrollment

Don’t know how to activate? Click here.

Fees and Charges

Dormancy (starts on the 25th month) – per month P30
Charge for Fall Below Min. Bal – per month after 2 consecutive months P300
Lost Passbook Fee P200
Early Closure Fee (within 30 days) P300
Card Replacement Fee P150
Interbank Withdrawal Fee (BancNet/Megalink) P10

For further inquiries, please call the Security Bank hotline at (632) 8887-9188.

List of Valid IDs
ACR / ICR Barangay Certification
Digitized Persons with Disabilities (PWD) ID City Health Card / Health Certificate Card
Driver's License Company ID - Shall be classified as Primary ID for Security Bank employees and subsidiaries
GSIS e-Card DSWD Certification
Integrated Bar of the Philippines GOCC ID [e.g. Armed Forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)]
Maritime Industry Authority (MARINA) ID NBI Clearance
Passport OWWA ID
Philippine Identification (PhilID) Card Pag-IBIG Loyalty Card
Postal ID (PVC Plastic Card) Digitized/PVC PhilHealth Insurance Card ng Bayan (PHICB)
PRC ID Police Clearance
School ID Postal ID (Paper-based card)
Senior Citizen Card Seaman's Book
Special Resident Retiree's Visa (SRRV) ID  Solo Parent ID
SSS Card Tax Identification Number (TIN)
Unified Multi-Purpose ID  
Voter's ID  

Additional identifications (IDs) or documents may be required by our branch based on the interview and the type of account to be opened. The Bank reserves the right to decline account opening request based on its evaluations.

Deposits are insured by PDIC up to P500,000 per depositor