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Service Fees and Charges

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 ₱100.00
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 ₱200.00
Passbook-based accounts (per request) ₱200.00
Mailing of Monthly Statement of Account (per month) ₱15.00
Check Application
Manager’s Check Application (per check) ₱75.00
*effective September 15, 2019
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
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:

  • Registration Fee
  • Promissory Note (PN) DST
  • Emcumbrance Fee
  • Notarial Fee
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 ₱100.00
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
For other rates and charges, please inquire with your UCPB branch.

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Customer Advisories

System Maintenance Schedule: November 16, 2019 (1am-2am)

Please be advised that the following channels will be unavailable on November 16, 2019 (Saturday), 1:00 AM until 2:00 AM due to a system maintenance activity:

UCPB Website
Connect
Mobile Banking
CM.Biz
CCA.biz
Checkwriter.biz
PDC.biz
U-Remit

UCPB accountholders may continue to use ATMs, and perform e-Commerce (online purchases via VISA and BancNet) and Point-of-Sale (POS) transactions.

We apologize for the inconvenience this may cause. We are doing this to ensure consistent and improved service delivery to you.

Thank you. Read more.

BancNet System Downtime Advisory: November 16 to 17, 2019 (11:45pm – 12:45am)

Please be advised that Inter-bank Fund Transfers via InstaPay (sending and receiving) through UCPB Connect and the UCPB Mobile App will not be available from 11:45pm of November 16 (Saturday) until 12:45am of November 17, 2019 (Sunday).

UCPB accountholders may continue to use ATMs, Connect and the Mobile Banking App during this time. Fund Transfers through PESONet will be available as well.

We apologize for the inconvenience this may cause. We are doing this to ensure consistent and improved service delivery to you.

Thank you. Read more.

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