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Pay your Bank of Commerce credit card bills thru UCPB

Pay your Bank of Commerce credit card bills thru UCPB

You can now pay your Bank of Commerce credit card bills at UCPB!

Simply visit any UCPB branch or use a UCPB ATM to pay in cash or check. No time to go to a branch? You can also pay online through UCPB Connect, UCPB’s online banking facility as well as through the UCPB Mobile Banking App for quick and easy transactions on the go.

Bills payment is now made easier and more convenient for you with UCPB!

Reminder: For check payments, please ensure that the credit card number and cardholder’s name are written at the back of the check.

Date published: February 20, 2020

Pag-IBIG – UCPB eMoney Card

Pag-IBIG – UCPB eMoney Card


Initially available in these Pag-IBIG branches: NCR and selected Luzon branches (Angeles City, Baguio, Balanga, Batangas, Baliuag, Cabanatuan, Calamba, Calapan, Cauayan, Dagupan, La Union, Laoag, Lipa, Lucena, Malolos, Meycauayan, Puerto Princesa, San Fernando, San Pablo, Sta. Rosa, Solano, Subic Bay, Tarlac, Tuguegarao, Urdaneta, Vigan ), Visayas branches (Bacolod, Calbayog, Cebu – Ayala, Cebu – Colon, Danao, Dumaguete, Iloilo – Mandurriao, Iloilo – Molo, Kalibo, Kabankalan, Mactan, Mandaue, Ormoc, Roxas, Sagay, Tacloban, Tagbilaran, Tailsay and Toledo), and Mindanao branches (Dipolog, Pagadian and Zamboanga)

What is the Pag-IBIG – UCPB eMoney Card?

The Pag-IBIG – UCPB eMoney card is a reloadable cash card issued by Pag-IBIG for the disbursement and release of the proceeds of Short-Term Loans (Multi-Purpose and Calamity Loans) and Provident Benefit Claims and other amounts due to Pag-IBIG members/member-borrowers.

What can I do with my Pag-IBIG – UCPB eMoney Card?
Withdraw cash
Check your card balance and transaction history
Pay for your purchases
Transfer funds
Pay bills
Buy Load
What are the transaction limits and fees of my Pag-IBIG – UCPB eMoney Card?
Transaction Daily Limits Fee
UCPB ATMs Other Banks’ ATMs
ATM Balance Inquiry no limit FREE/LIBRE Php 2
ATM Cash Withdrawal Php 20,000 FREE/LIBRE Php 12
ATM Inter-Bank Fund Transfer Php 100,000 Php 25 Php 25
ATM Bills Payment no limit FREE/LIBRE FREE/LIBRE
POS Cashless Purchase Php 50,000 FREE/LIBRE FREE/LIBRE
Card Fee Php 50 (deducted from loan proceeds)
Transaction limits and fees may be subject to change.
Frequently Asked Questions:
CARD FEATURES

1. What is the Pag-IBIG – UCPB eMoney Card?

  • The Pag-IBIG – UCPB eMoney card is a co-branded cash card issued by Pag-IBIG for the disbursement and release of the proceeds of Short-Term Loans (Multi-Purpose and Calamity Loans) and Provident Benefit Claims and other amounts due to Pag-IBIG members/member-borrowers.
     
    This is not a credit card. This is not a deposit account. It has no interest and maintaining balance requirement. Any amount on the card is not covered by PDIC.

2. What can I do with my Pag-IBIG – UCPB eMoney Card?

  • You can use the card mainly to receive loan proceeds from Pag-IBIG Fund.
     
    The following transactions may also be done using the card in any ATM in the Philippines:

    1. Check card balance
    2. Withdraw cash
    3. Pay Bills
    4. Transfer funds
    5. Buy load
    6. View transaction history (in UCPB ATMs)

    You may also pay for your purchases through any POS terminals in the Philippines.

3. What is the expiry date of my card?

  • The expiry of your card is indicated at the front of the card.
     
    Expired cards with zero (Php 0.00) balance will automatically close.

4. I already received my Pag-IBIG – UCPB eMoney Card. Can I already withdraw the funds?

  • You should wait for the SMS notification from Pag-IBIG before you use your card in the ATMs. Once you receive the SMS notification, you can then activate your card by changing the initial PIN (indicated in the PIN Mailer) in any UCPB ATM or BancNet ATM and proceed to withdraw your funds.
     
    Note: You will be prompted to change your initial PIN at UCPB ATMs.

5. How can I change my PIN?

  • You can change your PIN at any UCPB ATM.

6. Can I use my card abroad?

  • No. The card may only be used in the Philippines.

7. Can I use my card for online purchases/e-Commerce?

  • No. The card cannot be used for online purchases or e-Commerce.

8. Can I personally load additional funds in my Pag-IBIG – UCPB eMoney card?

  • No. Only Pag-IBIG may load funds to the card. Loading by the member is not allowed.

9. Can I have more than one card?

  • No. Only one card is allowed per member. UCPB may close duplicate cards, if any.
AVAILMENT PROCESS

10. How can I avail of the Pag-IBIG – UCPB eMoney Card?

    1. Go to any Pag-IBIG Fund branch nationwide
    2. Fill-out/submit the Pag-IBIG Fund loan application forms and required documents. No need to fill-out a separate application form for the availment of the card.
    3. Indicate Pag-IBIG – UCPB eMoney Card in the “Payroll Account/Disbursement Card” portion of the application form
    4. Receive the card kit from the Pag-IBIG branch personnel.
    5. Wait for an SMS notification from Pag-IBIG that your loan is approved.
    6. Activate your card at any UCPB or Bancnet ATM
    7. Withdraw your funds

11. What documents are required?

  • Only the Pag-IBIG Loan Application Form and standard ID requirement are required. You don’t need to fill-up additional Bank documents.
LOAN RE-AVAILMENT

12. Can I use my existing Pag-IBIG – UCPB eMoney card for additional loans / re-availment?

  • Yes. You can re-use your existing Pag-IBIG – UCPB eMoney card for additional loans / re-availment as long as your card is not yet expired. No additional card fee will be charged.

13. What if I have an additional loan / re-availment but my Pag-IBIG – UCPB eMoney card has already expired?

  • The Pag-IBIG branch will release a new Pag-IBIG – UCPB eMoney card kit to you where the additional loan / re-availment will be credited to. This will be subject to a Php 50 card fee.
     
    The balance in the old card will be reflected in the new card.
FEES AND CHARGES

14. How much does the card cost?

  • The cost is Php 50 per card. This is automatically deducted from your loan proceeds.

15. What are the transaction limits and fees?

    Transaction Daily Limits Fee
    UCPB ATMs Other Banks’ ATMs
    ATM Balance Inquiry no limit FREE/LIBRE Php 2
    ATM Cash Withdrawal Php 20,000 FREE/LIBRE Php 12
    ATM Inter-Bank Fund Transfer Php 100,000 Php 25 Php 25
    ATM Bills Payment no limit FREE/LIBRE FREE/LIBRE
    POS Cashless Purchase Php 50,000 FREE/LIBRE FREE/LIBRE
OTHERS

16. What should I do in case my card/PIN is lost, stolen or defective or if I had forgotten my PIN?

  • You have to report the incident to the UCPB ATM Hotline at (02) 8811-9292 for immediate blocking of the card. You should then coordinate with your Pag-IBIG branch for the release of the remaining balance of your card. The remaining balance of your card will be released to you via over-the-counter at any UCPB branch after you have submitted the required documents.

17. Can I withdraw the balance in my Pag-IBIG – UCPB eMoney card at the Pag-IBIG or UCPB branches?

  • No, you cannot withdraw the balance of your Pag-IBIG – UCPB eMoney card at Pag-IBIG or UCPB branches.
     
    You can withdraw the balance of your card at any UCPB or BancNet ATMs, or purchase items using any BancNet POS terminal which is available in most stores/establishments in the Philippines. (e.g. SM, restaurants/fast food chains, drug stores, etc.)
It’s as good as cash!

No initial deposit required
No maintaining balance required
No inactivity penalty

Choose speed, ease and affordability. Choose Pag-IBIG – UCPB eMoney Card.

For the Pag-IBIG – UCPB eMoney Card Terms and Conditions, click here.

Home Development Mutual Fund (HDMF)
(02) 8724-4244
http://www.pagibigfund.gov.ph/
For lost or stolen cards immediately call the UCPB ATM Hotline at (02) 8811-9292 for deactivation. Report to Pag-IBIG the lost or stolen card in order to claim the remaining balance of your card.

UCPB Start2Save Junior Savings Account: A fun and easy headstart to a brighter future

UCPB Start2Save Junior Savings Account: A fun and easy headstart to a brighter future

Given how essential money skills are to life, it is important for parents to teach their children the value of money at an early age. Learning basic concepts like budgeting, saving, wise spending and even investing will improve their ability to manage their financial resources and achieve financial wellness in the future.

While saving their money in a piggy bank or coin jars is a good start, bringing your kids to a bank and teaching them how to open an account and regularly deposit their savings will turn this into a good habit. It may also spark their interest on how to make money grow through investments. In time, it will also be an opportunity to help them appreciate and use other financial tools such as insurance variants to protect their future, and loans to extend their budget for big-ticket items such as their own car, house or business when they grow up.

The important thing is to take the first step with your kids and what better way to do this than through the UCPB Start2Save(S2S) Junior Savings Account. With an initial deposit of only P100 and few requirements such as your kid’s school ID and 1×1 photo, kids and teens 7-19 years old now have a fun and easy way to save money. Parents can also open an In-Trust-For Account for babies and kids up to 6 years old when they submit their valid ID together with their children’s NSO-issued birth certificates and 1×1 photos.

To make saving more fun, kids will receive a UCPB S2S welcome kit that has a passbook and ATM card with EMV chip which is the global standard in card security. It also contains stickers, a notepad where they can monitor their saving and spending, and a birthday coupon to claim an exciting gift from their UCPB maintaining branch on their birth month.

Open a UCPB Start2Save Junior Savings Account now for your kids and help them develop good financial habits. Visit any UCPB branch or go to www.ucpb.com/accounts/start2save/ for more details.

Date published: June 24, 2019

UCPB SalarEasy: The easy solution to your children’s education expenses

UCPB SalarEasy: The easy solution to your children’s education expenses

Parents always want the best for their children especially when it comes to their education. Quality education, however, doesn’t come cheap and funding your kids’ tuition fees may bring a lot of financial strain. While saving early and investing in an education plan can keep you from borrowing money, applying for a salary loan can also help you stretch your budget and cover for your children’s tuition fees.

UCPB offers SalarEasy Personal Loan to provide you with the much-needed funds for your children’s educational expenses. With a minimum loan amount of P50,000 and a maximum three-year payment term, parents who have been regular employees for the last two years or who run their own business for the last three years are qualified to apply for a salary loan with great ease and convenience. Simply download and fill out the application form from the UCPB website, submit the required documents to the nearest UCPB branch, and wait for the credit decision. The loan amount will be released through a post-dated check or may be credited to your UCPB VISA Debit Card.

To properly manage the family budget, you can check out how much you can afford to loan and pay every month with the UCPB LoanEasy calculator via www.ucpb.com/salareasy.

Apply for a UCPB SalarEasy Personal loan today and find a solution that bridges your budget and your children’s educational expenses. You can also use it to finance home renovations, car repairs, travel expenses and medical needs.

For more information about UCPB SalarEasy Personal Loan, visit any UCPB branch, talk to one of our loan account officers at (02) 811-9100 or email at loans@ucpb.com.

Date published: June 19, 2019

Investment made easy and affordable with UCPB InvestEasy

Investment made easy and affordable with UCPB InvestEasy

When it comes to saving and investing, the sooner one starts, the better. However, investing usually takes a back seat because it often requires a relatively large sum to make that first investment in buying stocks or bonds or placing it in a Unit Investment Trust Fund (UITF).

That’s why UCPB is making it easy and affordable for first-time investors to get into the habit of regularly saving and investing for as little as Php 1,000 a month. With UCPB InvestEasy, they can now enjoy the benefits of an easy savings and investment plan through an auto debit facility that will help them reach their goals.

“We developed UCPB InvestEasy to make it easier and more affordable for clients to attain the goals they have set for themselves and their families – having their own home or car, travelling with their family to dream destinations or simply enjoying a comfortable retirement. We have seen a growing number of investors who belong to the millennial and middle-income market but we believe that this will exponentially grow if we make it more affordable for them to make their first and succeeding investments,” said UCPB FVP, Trust Officer and Head of Trust Banking Group Arturo I. Lipio, Jr.

UCPB InvestEasy is a simple and convenient way of investing and saving regardless of age, income level or investment experience. Aside from making it more affordable, UCPB InvestEasy also makes it easy for clients to build the habit of saving and investing through its auto debit facility. This allows clients to regularly and automatically set aside funds for immediate investment to ensure a steady and consistent flow of contributions. Clients gain instant participation in the stock and bond markets through a diversified pool of investment through UCPB UITFs. To make it even easier, UCPB’s professional fund managers will invest, manage and monitor the clients’ investments based on their investment and risk profile.

“We encourage those who are interested to invest but may be intimidated by the amount they have to save, the investment jargon they have to learn or the time they have to devote in monitoring stocks. We have removed these obstacles to grow investments. I always say time is your best friend when building your investment portfolio so don’t put it off for we have made investment easy and affordable for you,” Mr. Lipio added.

Get started on your easy and affordable investment journey today with UCPB InvestEasy. For more information on UCPB InvestEasy, get in touch with the UCPB Trust Banking Group at (02) 811-9515 or 811-9522.

Risk Disclosure Statement
Investments and services offered by all Trust Institutions are not deposit accounts and are not insured by the Philippine Deposit Insurance Corporation (PDIC). These are not obligations of, and are not guaranteed or insured by UCPB Trust Banking Group (TBG), its affiliates or subsidiaries and do not carry and guarantees on returns. All income, as well as losses, arising from such investments/services are for the account of the investors.

Date published: June 17, 2019

Have more peace of mind when you do online transactions with the UCPB Visa Debit card!

Have more peace of mind when you do online transactions with the UCPB Visa Debit card!

One of the security features of the new UCPB Visa Debit Card is that it monitors the card’s usage 24/7.

For every transaction done online using your UCPB Visa Debit Card (this includes your GrabCar enrollment and bookings) , you will receive an SMS or text message to help you monitor your budget and protect you against fraudulent card transactions.

To maximize this security feature and to receive important and timely announcements and customer service advisories, please update your contact details through your UCPB branch.

Date published: January 27, 2016


Related articles:

What to do with your Christmas bonus aside from spending it? Invest it for your big dreams!

What to do with your Christmas bonus aside from spending it? Invest it for your big dreams!
Pay off the outstanding balance in your credit card

Use your bonus to pay off your credit card debt. If you can pay off the full amount, do it. Your bonus is technically your excess money, since your monthly payroll should be able to cover all your needs. When you settle your credit card balance or your debt in full or with a substantial amount, your balance doesn’t balloon so much so that monthly payments barely pay off the principal.

Set aside for your financial goals

Put a target on what you want to accomplish. Do you want to fly to Paris next year? Do you want to a buy a condominium unit? Do you want to grow your investments by 10 percent by the end of 2017? When your goals are clear, you’ll know how to work to hit those targets. Achieving one’s objectives begin with establishing well-defined targets.

Place your excess funds in UCPB’s Unit Investment Trust Funds (UITFs), and let fund managers do the investing for you. It’s not complicated or intimidating at all. For as low as P10,000, you can wisely invest your bonus in any of UCPB’s UITFs. This will be included in a pool of funds that will be managed by professionals so you don’t have to worry or closely monitor your investments.

Enjoy your bonus … but do not splurge

By all means, enjoy your bonus because you worked hard for it all year. You deserve that new gadget, that plane ticket you’ve been hoping for, or that new car you need – but exercise prudence. Put a part of your bonus into a nest egg to prepare for a rainy day. You’ve probably heard this over and over again, but you have to save for unforeseen events so that you can respond to these things better.

Quick Links

Product Name NAVPU YTD Return

As of May 29, 2020, 05:30:00 PM

Click here to use our UITF Yield Calculator

For more information, please contact
UCPB Trust Banking Group:
(02) 8811-9520, 8811-9515, or 8811-9541
trust@ucpb.com

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Bounced Emails

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To address this, kindly use an alternative email address in the meantime (Google, MS Outlook, etc).

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