Money Builder
Savings Account

While perfecting your long-term goals, put your money in the highest interest rate bank with monthly bonus rates, flexible terms, and no locked-in periods.

What is Money Builder?

Money Builder is a high-interest savings account open to individuals, sole proprietors, and corporations. You’ll receive a monthly and a quarterly bonus interest if no withdrawals are made in a certain period.

This account is perfect for those:

  • Who need a higher-yielding account but don’t want to be locked in
  • Looking for a savings account with flexible terms
  • Who want to start saving for their long term goals

If you’re in the market for a savings account with reasonable opening & maintaining balance, higher interest rates (with bonuses tailored to your lifestyle), and no lock-in period, then Money Builder might just be the one for you.

At a Glance

Opening Balance PHP 10,000
Maintaining Balance PHP 10,000
Balance to Earn Interest PHP 10,000
Base Interest Rate (p.a.) 0.05% 0. (0675% effective March 1, 2022)
Monthly Bonus Interest Rate (p.a.)


Quarterly Bonus Interest Rate (p.a.) 0.07%

How does it work?

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 Online Bank 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

Bonus interest rates

Get additional earnings with interest rates of up to 1%.

Low min balance

Open an account for
as low as P10,000.

Easy account opening

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

Easy account access

Track your savings through any Security Bank branch, ATM, or Online Banking.

Make your money work for you! Earn interest from our monthly and quarterly bonus rates.

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

“My SB Money Builder lets me save up for my kid’s tuition without worrying about withdrawing cash every now and then.”

Sam G.


“Security Bank’s online application saved me a ton of time! It only takes a few minutes—it’s easy and intuitive.”

Chris D.


Frequently Asked Questions

Who can open a Money Builder account?

Anyone can open this high interest account as long as minimum requirements are met.

Does it come with an Everyday ATM Debit MasterCard?


Bonus Interest Rates:

Monthly Bonus –  0.10%

  • Account must have completed one calendar month
  • Account must not have any withdrawal within a calendar month

Quarterly Bonus – 0.10%

  • Account must have completed one calendar quarter
  • Account must not have any withdrawal within a calendar quarter

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:

  • Discounts 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 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 that 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 (02) 888-791-88. 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.

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.

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.

Fees and Charges

Fees and Charges

Dormancy (starts on the 25th month) -per month 350
Charge for Falling Below Min. Bal - per month 300
Early Closure Fee (within 30 days) 300
Card Replacement Fee 150
Interbank Withdrawal Fee(BancNet/Megalink) 10

For further inquiries, please call the Security Bank hotline at 887-9188.

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