Foreign Exchange | Service Fees and Charges | Time Deposits (Peso and US) |
Please click on below to see Bank Fees and Service Charges related to below transactions:
Peso Accounts
PESO ACCOUNTS | Fee |
Account Maintenance Fees | |
Monthly Fee for Falling Below the Required Minimum Monthly Average Daily Balance (MADB), for at least two (2) consecutive months | ₱500.00 |
Fee for Early Closure of Account within 30 calendar days from opening date | ₱500.00 |
Over-The-Counter Inter-Branch Deposits | |
Local Inter-branch Deposit (same area code) | |
Cash Deposit | Free |
Check Deposit | Free |
Regional Inter-branch Deposit (different area codes) | |
Cash Deposit | ₱100.00 |
Check Deposit | Free |
Over-The-Counter Inter-Branch Withdrawals | |
Local Inter-branch Withdrawal (same area code) | |
Cash Withdrawal – P100,000 or below per withdrawal slip | ₱50.00 |
Cash Withdrawal – Above P100,000 per withdrawal slip | .0005 x Amount |
Regional Inter-branch Withdrawal (different area codes) | |
Cash Withdrawal – P100,000 or below per withdrawal slip | ₱120.00 |
Cash Withdrawal – Above P100,000 per withdrawal slip | .0012 x Amount |
Over-The-Counter Inter-Branch Check Encashments | |
Local Inter-branch Check Encashment (same area code) | ₱50.00 |
Regional Inter-branch Check Encashment (different area codes) | ₱120.00 |
Inactivity and Dormancy | |
Monthly Dormancy Fee, if account balance is below MADB and inactive for at least five (5) years | ₱30.00 |
Mailing Fee client notification prior to dormancy (per letter sent) | ₱25.00 |
Mailing Fee client notification to reactivate dormant account (per letter sent) | ₱25.00 |
Replacement of Lost Passbook | ₱200.00 |
Current Accounts
CURRENT ACCOUNTS | Fees |
Returned Checks and Other Cash Items (RCOCI) | |
Honored Checks | |
Service Charge (per check) | ₱1,000.00 |
Penalty Charge (per day, per check for every P40,000 or a fraction thereof) | ₱200.00 |
Additional Charges (per day, per check for every P40,000 or a fraction thereof) | ₱30.00 |
Dishonored / Returned Checks | |
Service Charge (per check) | ₱2,000.00 |
Penalty Charge (per day, per check for every P40,000 or a fraction thereof) | ₱200.00 |
Additional Charges (per day, per check for every P40,000 or a fraction thereof) | ₱55.00 |
Dishonored Check due to Drawn Against Uncollected Deposit (DAUD) or Drawn Against Insufficient Funds (DAIF) | |
Amount to be debited from the account (per check, regardless of amount) | ₱1,000.00 |
Additional Charges (per check) | ₱25.00 |
Stop Payment Order (SPO) Application | |
Upon application for Stop Payment Order (SPO) | ₱200.00 |
Amount to be debited upon presentation of checks | |
Via inward clearing For Funded Checks | ₱2,050.00 |
Via inward clearing For Unfunded Checks (SPO-DAIF) *additional charges shall be imposed based on the check amount |
*minimum of ₱2,255.00 |
Via Over-the-Counter presentment For Funded Checks | ₱1,025.00 |
Checkbook Request | |
Personal (50 pieces per checkbook) | ₱250.00 |
Commercial (100 pieces per checkbook) | ₱500.00 |
Corporate Checkwriter, sheeted checks (100 pieces per checkbook, Check on Top or Check at the Bottom) | ₱700.00 |
Corporate Checkwriter, sheeted checks (100 pieces per checkbook, 4 Checks in a sheet) | ₱600.00 |
*additional charges may be imposed based on the check amount |
Electronic Payments
ELECTRONIC PAYMENTS | Fees |
Local Inter-Bank Fund Transfers in Philippine Peso | |
PESONet | |
Via UCPB Branches | ₱150.00 |
Via UCPB Electronic Banking Channels – Internet or Mobile Banking | ₱50.00 |
InstaPAY | |
Via UCPB Electronic Banking Channels – Internet or Mobile Banking | ₱25.00 |
US Dollar Savings Accounts
US DOLLAR SAVINGS ACCOUNTS | Fees |
Account Maintenance | |
Monthly Fee for Falling Below the Required Minimum Monthly Average Daily Balance (MADB), for at least two (2) consecutive months | US$10.00 |
Fee for Early Closure of Account within 30 calendar days from opening date | US$10.00 |
Over-the-Counter Cash Deposits | |
Local Inter-branch (same area codes) | US$0.015 per US$1.00 deposit in excess of US$5,000 deposit per day (convertible to PHP based on the Exchange Rate for the day) |
Regional Inter-branch (different area codes) – up to US$2,000.00 per deposit slip | US$2.00 |
Regional Inter-branch (different area codes) – over US$2,000.00 per deposit slip | .001 x Amount |
Withdrawal against cash deposit-within 10 calendar days holding period from date of deposit (per US$1 withdrawn) | $0.005 |
Over-the-Counter Check Deposits | |
Sent through standard individual collection (per check) *additional charges may be imposed by the Drawee Bank |
*minimum of $100 |
Sent through final credit service (per check) | US$30.00 |
Sent through cash letter service (per check) | Free |
Returned Check sent via Final Credit | US$30.00 |
Returned Check sent via Cash Letter | US$20.00 |
Over-The-Counter Inter-Branch Withdrawals | |
Local Inter-branch (same area codes) – $2,000 or below per withdrawal slip | US$1.00 |
Local Inter-branch (same area codes) – above $2,000 per withdrawal slip | .0005 x Amount |
Regional Inter-branch (different area codes) – $2,000 or below per withdrawal slip | US$2.00 |
Regional Inter-branch (different area codes) – Above $2,000 per withdrawal slip | .0012 x Amount |
Over-The-Counter Fund Transfers | |
In-house Fund Transfers: Both accounts are maintained in transacting branch | Free |
Either account to be credited or debited is maintained in transacting branch | Free |
Local Inter-branch Fund Transfers (same area codes) (per transaction) | US$1.00 |
Regional Inter-branch Fund Transfers (different area codes) (per transaction) | US$2.00 |
Inactivity and Dormancy | |
Monthly Dormancy Fee, if account balance is below MADB and inactive for at least five (5) years |
US$ equivalent of ₱30 |
Mailing Fee client notification prior to dormancy (per letter sent) | $0.50 |
Mailing Fee client notification to reactivate dormant account (per letter sent) | $0.50 |
Others | |
Replacement of Lost Passbook | ₱200.00 (or dollar equivalent) |
Third Currency Savings Accounts
THIRD CURRENCY SAVINGS ACCOUNTS | Fees |
Account Maintenance | |
Monthly Fee for Falling Below the Required Minimum Monthly Average Daily Balance (MADB), for at least two (2) consecutive months | AUD 10.00 |
CAD 10.00 | |
EUR 10.00 | |
GBP 10.00 | |
JPY 1,000.00 | |
CNY 100.00 | |
Fee for Early Closure of Account within 90 calendar days from opening date | AUD 10.00 |
CAD 10.00 | |
EUR 10.00 | |
GBP 10.00 | |
JPY 1,000.00 | |
CNY 100.00 | |
Over-The-Counter Fund Transfers | |
Over-The -Counter Fund Transfers -Local and Regional Fund Transfers (per transaction) | AUD 5.00 |
CAD 5.00 | |
EUR 5.00 | |
GBP 5.00 | |
JPY 500.00 | |
CNY 50.00 | |
Inactivity and Dormancy | |
Monthly Dormancy Fee, if account balance is below MADB and inactive for at least five (5) years | equivalent of ₱30 |
Mailing Fee client notification prior to dormancy (per letter sent) | ₱25.00 |
Mailing Fee client notification to reactivate dormant account (per letter sent) | ₱25.00 |
Others | |
Replacement of Lost Passbook | ₱200.00 (or dollar equivalent) |
Debit Card
DEBIT CARD | Fees |
Replacement of ATM cards | ₱200.00 *effective April 1, 2019 |
Over-the-Counter Withdrawal for ATM-based Accounts | ₱100.00 *effective September 15, 2019 |
Change of Personal Identification Number (PIN) | |
Local (Maintaining and transacting branch under one area code) | ₱50.00 |
Regional (Maintaining and transacting branch under different area codes) | ₱100.00 |
ATM Transactions | |
Balance inquiry using UCPB ATMs | Free |
Withdrawals using UCPB ATMs | Free |
Balance inquiry at Philippine non-UCPB ATMs | ₱2.00 |
Cash Withdrawals at Philippine non-UCPB ATMs | ₱12.00 |
Balance Inquiry at non-Philippine, Visa-accredited ATMs | ₱50.00 |
Cash Withdrawals at non-Philippine, Visa-accredited ATMs | ₱150.00 |
Fund Transfers | |
Fund Transfer to UCPB Accounts through UCPB ATMs | Free |
Fund Transfer to non-UCPB accounts through UCPB and Philippine non-UCPB ATMs | ₱25.00 per transaction |
Bills Payment through ATMs | |
Bills Payment through UCPB and Philippine non-UCPB ATMs | Free |
Purchase or Payment Transactions | |
Payments through BancNet and Visa Point-Of-Sale (POS) Terminals | Free |
Online shopping payment though Visa-accredited internet merchants* *Some merchants may charge web or convenience fee. |
Free* |
eMoney Cards
eMONEY CARDS | Fees |
Issuance of eMoney Card (per card) | ₱100.00 |
Replacement of eMoney Card (per card) | ₱160.00 |
Change of Personal Identification Number (PIN) | |
Local (Maintaining and transacting branch under one area code) | ₱50.00 |
Regional (Maintaining and transacting branch under different area codes) | ₱100.00 |
Transactions via Branch Counters | |
Over-the-Counter Loading of eMoney account (per transaction) | ₱10.00 |
Over-the-Counter Withdrawal from eMoney account (per transaction) | ₱15.00 |
ATM Transactions | |
Balance inquiry using UCPB ATMs | Free |
Withdrawals using UCPB ATMs | Free |
Balance inquiry at Philippine non-UCPB ATMs | ₱2.00 |
Cash Withdrawals at Philippine non-UCPB ATMs | ₱12.00 |
Balance Inquiry at non-Philippine, Visa-accredited ATMs | ₱50.00 |
Cash Withdrawals at non-Philippine, Visa-accredited ATMs | ₱150.00 |
Fund Transfers | |
Fund Transfer to UCPB Accounts through UCPB ATMs | Free |
Fund Transfer to non-UCPB accounts through UCPB and Philippine non-UCPB ATMs | ₱25.00 per transaction |
Bills Payment through ATMs | |
Bills Payment through UCPB and Philippine non-UCPB ATMs | Free |
Purchase or Payment Transactions | |
Payments through BancNet and Visa Point-Of-Sale (POS) Terminals | Free |
Online shopping payment though Visa-accredited internet merchants* *Some merchants may charge web or convenience fee. |
Free* |
Branch Services
BRANCH SERVICES | Fees |
Bank Certification | |
Regular (per certification) | ₱300.00 |
For the British Embassy (per certification) | ₱300.00 |
Statement Requests | |
Printing of Statement of Account (SOA) at Maintaining Branch | |
Statement-based accounts (per page) | ₱20.00 |
Passbook-based accounts (per page) | ₱20.00 |
Mailing of Monthly Statement of Account (per month) | ₱15.00 |
Check Application | |
Manager’s Check Application: PESO (per check) | ₱75.00 *effective September 15, 2019 |
Manager’s Check Application: US Dollar (per check) | USD 13.00 *effective July 1,2020 |
Gift Check (per check) | ₱50.00 |
Counter Check (per Check) | ₱50.00 |
Safety Deposit Box Rental Fees | |
Deposit for Keys (per box) | ₱1,000.00 |
3 x 10 x 24 and below (annual) | ₱1,000.00 *effective September 15, 2019 |
4 x 10 x 24 (annual) | ₱1,200.00 *effective September 15, 2019 |
5 x 10 x 24 (annual) | ₱1,500.00 *effective September 15, 2019 |
10 x 10 x 24 (annual) | ₱2,500.00 *effective September 15, 2019 |
10 x 15 x 24 (annual) | ₱3,080.00 |
Penalty for late payment of renewal charges (monthly) | ₱150.00 |
Domestic Bills Purchase (DBP) | Total amount of DBP granted x Lending Rate x Number of Days Float divided by 360 (PxRxT) or ₱200.00, whichever is higher (per transaction) |
Telegraphic Transfers | |
a.) Bank Commission | ₱75.00 for the first P10,000.00 plus 1/3 of 1% of amount in excess of P10,000.00 |
b.) Cable Charges | ₱50.00 |
c.) Documentary Stamp | ₱1.50 |
Time Deposits
PESO TIME DEPOSITS | Fees |
Documentary Stamp Tax | |
1 year or more | ₱1.50 for every ₱200.00 or a fraction thereof |
Less than 1 year | ₱1.50 for every ₱200.00 or a fraction thereof, multiplied by number of days, divided by 365 |
Pre-termination Penalty | |
Withdrawn within first half of stipulated term | 75% of stipulated interest rate |
Withdrawn within second half of stipulated term | 50% of stipulated interest rate |
DOLLAR TIME DEPOSITS | |
Check Deposit sent through standard individual collection *additional charges may be imposed by the Drawee Bank |
minimum of $100.00 |
Check Deposit sent through final credit service (per check) | $30.00 |
Returned Check sent via Final Credit | $30.00 |
Check Deposit sent through Cash Letter Service (per check) | Free |
Returned Check sent via Cash Letter Service (per check) | $20.00 |
Pre-termination Penalty | |
Withdrawn within first half of stipulated term | 75% of stipulated interest rate |
Withdrawn within second half of stipulated term | 50% of stipulated interest rate |
Consumer Loans
PERSONAL LOANS | Fees |
Processing Fee* | ₱1,500.00 |
Loan Certification* | ₱300.00 |
Certification of Payment History* | ₱300.00 |
Amendment on Term* | ₱5,000.00 |
Late Payment Penalty** | 5% per month of the Amount Due |
Documentary Stamp Tax (DST)* | |
Loan Amount ₱250,000.00 or less | No DST |
Loan Amount over ₱250,000.00 | ₱1.50 for evey ₱200 or a fraction thereof |
*Shouldered by Client or Deducted from the Loan Proceeds | |
**Shouldered by Client, NOT to be deducted from the Loan Proceeds | |
SALARY LOANS | |
Handling Fee* | ₱300.00 |
Loan Certification* | ₱300.00 |
Certification of Payment History* | ₱300.00 |
Amendment on Term* | ₱5,000.00 |
Late Payment Penalty** | 5% per month of the Amount Due |
Documentary Stamp Tax (DST)* | |
Loan Amount ₱250,000.00 or less | No DST |
Loan Amount over ₱250,000.00 | ₱1.50 for evey ₱200 or a fraction thereof |
*Shouldered by Client or Deducted from the Loan Proceeds | |
**Shouldered by Client, NOT to be deducted from the Loan Proceeds | |
REAL ESTATE LOAN | |
Appraisal Fee* | |
Metro Manila | ₱5,000 per title |
Outside Metro Manila | ₱6,000.00 per title |
Handling Fee* | |
Individual Loans – Regular | 1/4 of 1% of the loan amount Maximum of ₱7,500 |
Individual Loans – From Another Bank | Regular Fee + ₱2,000 |
Purchase of Receivable Line | ₱500 for every ₱2Million booking |
Filing Fee, based on the Loan Amount* | |
₱500,000 to ₱999,999 | ₱600.00 |
₱1,000,000 to ₱4,999,999 | ₱1,000.00 |
₱5,000,000 to ₱9,999,999 | ₱1,500.00 |
₱10,000,000 and above | ₱2,000.00 |
Cancellation Fee** | ₱700.00 per TCT/CCT |
Partial Release of Collateral* | ₱2,000.00 |
Pre-payment Service Fee | ₱4,000.00 |
Certification of Payment History* | ₱300.00 |
Amendment on Term* | ₱5,000.00 |
Loan Certification* | ₱300.00 |
Late Payment Penalty** | 5% per month of the Amount Due |
Notarial Fee** | ₱300.00 per document |
Registration Fee* | Based on the Schedule of Fees – Registry of Deeds |
Documentary Stamp Tax (DST)* | |
Annotation of Real Estate Mortgage documents | Loan Amount / ₱5,000 x ₱10 + ₱10 |
Booking of Promissory Note Line | Loan Amount / ₱200 |
*Shouldered by Client or Deducted from the Loan Proceeds | |
**Shouldered by Client, NOT to be deducted from the Loan Proceeds | |
AUTO LOAN | |
Appraisal Fee (applicable to second hand vehicles and imported cars)* | |
Appraised on location | ₱1,000.00 |
Appraised at UCPB Head Office | ₱500.00 |
Car History (applicable to second hand vehicles and imported cars)* | |
In-house | ₱600.00 |
Outsourced | ₱1,000.00 |
Handling Fee (applicable for non-renewal of insurance)* | Documentary Stamp Tax of previous year’s insurance |
Registration Fee* | Based on the Schedule of Fees – Registry of Deeds |
Cancellation Fee** | ₱500.00 |
Notarial Fee** | ₱300.00 per document |
Loan Certification* | ₱300.00 |
Certification of Payment History* | ₱300.00 |
Amendment on Term* | ₱5,000.00 |
Certified True Copies of Collateral Documents (Titles and OR/CR) | ₱300.00 |
Late Payment Penalty** | 5% per month of the Amount Due |
Outside Servicing Area (OSA) Charges (applicable to outside Metro Manila or service area of UCPB Consumer Finance Business Center) | Based on the Schedule of Charges – OSA |
Encumbrance Fee* | ₱280.00 |
Handling Fee for Assumption of Mortgage** | 2% of Loan Balance Minimum of ₱4,000; Maximum of ₱10,000 |
Chattel Mortgage Fees (CMF)* | Sum of the following applicable fees:
|
Processing Fee* | Based on the Schedule of Charges – CMF |
Promissory Note DST** | Loan Amount / ₱200 |
Conversion of Registration from Private to Public** | |
Within Metro Manila | ₱10,000.00 |
Outside Metro Manila | ₱20,000.00 |
*Shouldered by Client or Deducted from the Loan Proceeds | |
**Shouldered by Client, NOT to be deducted from the Loan Proceeds |
Remittances
REMITTANCES (OUTWARD/SENDING) | Fees |
Local Inter-Bank Fund Transfers in Philippine Peso | |
PESONet | |
Via UCPB Branches | ₱150.00 |
Via UCPB Electronic Banking Channels – Internet or Mobile Banking | ₱50.00 |
InstaPAY | |
Via UCPB Electronic Banking Channels – Internet or Mobile Banking | ₱25.00 |
Real Time Gross Settlement (RTGS) via UCPB Branches | |
Transaction Value: ₱1.00 to ₱1,000,000.00 | ₱250.00 |
Transaction Value: ₱1,000,000.00 to 10,000,000.00 | ₱350.00 |
Transaction Value: ₱10,000,000.00 to 20,000,000.00 | ₱450.00 |
Transaction Value: ₱20,000,000.00 to 35,000,000.00 | ₱550.00 |
Transaction Value: ₱35,000,000.00 and above | ₱700.00 |
Local Inter-Bank Fund Transfers in US Dollars | |
PDTC US Dollar Real Time Gross Settlement (RTGS) | US$18.00 |
International/Cross-Border Remittance in US Dollars or Other Foreign Currencies | |
International/Cross-Border Remittance via SWIFT MT 103 | US$20.00 |
REMITTANCES (INWARD/RECEIVING) | Fees |
International/Cross-Border Remittance in US Dollars or Other Foreign Currencies | |
International/Cross-Border Remittance via SWIFT MT 103 | |
Credit to a US Dollar Deposit Account | US$7.50 |
Credit to a Philippine Peso Deposit Account | ₱200.00 + DST |
Direct Deposit Facility for US Pensioners | |
Transaction Value: US$700.00 and below | US$4.00 |
Transaction Value: above US$700.00 | US$6.00 |