| 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 | Personal | Corporate |
| Falling Below the Required Minimum Monthly Average Daily Balance (MADB) | ||
| Regular ATM Account (without ATA) | PHP 500.00 | PHP 500.00 |
| Regular ATM Account (with ATA) | PHP 500.00 | PHP 500.00 |
| Regular Passbook Account (without ATA) | PHP 500.00 | PHP 500.00 |
| Regular Passbook Account (with ATA) | ||
| Regular Checking Account with ATM (without ATA) | PHP 500.00 | PHP 500.00 |
| Regular Checking Account without ATM (without ATA) | PHP 500.00 | PHP 500.00 |
| Multi-One Account | PHP 500.00 | PHP 500.00 |
| Fee for Early Closure of Account within 30 calendar days from opening date | PHP 500.00 | |
| Over-The-Counter Inter-Branch Deposits | ||
| Local Inter-branch (same area codes) | Free | |
| Regional Inter-branch (different area codes) Up to P100,000.00 per deposit slip | PHP 100.00 | |
| Regional Inter-branch (different area codes) Over P100,000.00 per deposit slip | .001 x Amount | |
| First deposit slip with 12 checks or less | Free | |
| Local Inter-branch (same area codes) Succeeding deposit slips with 12 checks or less | PHP 50.00 | |
| Regional Inter-branch(different area codes)-Succeeding deposit slips with 12 checks or less | PHP 120.00 | |
| Local Inter-branch (same area codes) Succeeding deposit slips with more than 12 checks | PHP 50.00 | |
| Local Inter-branch (same area codes) Succeeding deposit slips with more than 12 checks | PHP 120.00 | |
| Over-The-Counter Inter-Branch Withdrawals | ||
| Local Inter-branch (same area codes) P100,000 or below per withdrawal slip | PHP 50.00 | |
| Local Inter-branch (same area codes) Above P100,000 per withdrawal slip | .0005 x Amount | |
| Regional Inter-branch (different area codes) Up to P100,000.00 per deposit slip | PHP 120.00 | |
| Regional Inter-branch (different area codes) Above P100,000 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) | PHP 50.00 | |
| Regional Inter-branch Fund Transfers (different area codes) | PHP 120.00 | |
| Over-The-Counter Inter-Branch Check Encashments | ||
| Local Inter-branch (same area codes) Up to P100,000 (per check) | PHP 50.00 | |
| Local Inter-branch (same area codes) Above P100,000 (per check) | .0005 x Amount | |
| Regional Inter-branch (different area codes) Up to P100,000 (per check) | PHP 120.00 | |
| Regional Inter-branch (different area codes) Above P100,000 (per check) | .0012 x Amount | |
| Inactivity and Dormancy | ||
| Mailing Fee client notification prior to dormancy (per letter sent) | PHP 25.00 | |
| Mailing Fee client notification to reactivate dormant account (per letter sent) | PHP 25.00 | |
| Dormancy Fee (if account balance is below MADB and inactive for at least five (5) years) | PHP 30.00 | |
| Replacement of Lost Passbook | PHP 200.00 | |
US Dollar Savings Accounts
| US DOLLAR SAVINGS ACCOUNTS | Fees | |
| Falling Below the Required Minimum Monthly Average Daily Balance (MADB) | $10.00 | |
| Fee for Early Closure of Account within 30 calendar days from opening date | $10.00 | |
| Over-The-Counter Inter-Branch Deposits | ||
| Local Inter-branch (same area codes) | Free | |
| Regional Inter-branch (different area codes) Up to US$2,000.00 per deposit slip | $2.00 | |
| Regional Inter-branch (different area codes) Over US$2,000.00 per deposit slip | .001 x Amount | |
| Check Deposits:Sent through standard individual collection (per check, exclusive of Drawee Bank charges) | $80.00 | |
| Check Deposits: Sent through final credit service (per check) | $15.00 | |
| Check Deposits: Sent through cash letter service (per check) | Free | |
| Returned Item Fee for Outward Check Sent for Clearing-and subsequently dishonored for any reason (per check) | $10.00 | |
| Withdrawal against cash deposit-within 10 calendar days holding period from date of deposit(per US$1 withdrawn) | $0.005 | |
| Over-The-Counter Inter-Branch Withdrawals | ||
| Local Inter-branch (same area codes) $2,000 or below per withdrawal slip | $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 | $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, regardless of amount) | $1.00 | |
| Regional Inter-branch Fund Transfers (different area codes) (per transaction, regardless of amount) | $2.00 | |
| Inactivity and Dormancy | ||
| Mailing Fee client notification prior to dormancy (per letter sent) | $0.05 | |
| Mailing Fee client notification to reactivate dormant account (per letter sent) | $0.05 | |
| Dormancy Fee (if account balance is below MADB and inactive for at least five (5) years) | $0.50 or USD equivalent of PHP30.00 |
|
| Replacement of Lost Passbook | PHP 200.00 (or dollar equivalent) | |
Third Currency Savings Accounts
| Third Currency Savings Accounts | Fees |
| Falling Below the Required Minimum Monthly Average Daily Balance (MADB) | |
| 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 -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 | |
| Replacement of Lost Passbook | PHP 200.00 (or dollar equivalent) |
U-remit Accounts
| U-REMIT ACCOUNTS | Fees |
| Falling Below the Required Minimum Monthly Average Daily Balance (MADB) | |
| U-remit Current Account | – |
| U-remit Peso Savings Account | |
| U-remit Dollar Savings Account | – |
Time Deposits
| TIME DEPOSITS |
| Peso Time Deposits |
| Documentary Stamp Tax |
| 1 year or more : P1.00 for every P200.00 or a fraction thereof |
| Less than 1 year : P1.00 for every P200.00 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 |
| Cash Deposit received Over-the-Counter Reduction of 0.1% from bracket rate shall be quoted |
| 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 |
Current Accounts
| Current Accounts | Fees |
| Returned Checks and Other Cash Items (RCOCI) | |
| Honored Checks: | |
| Service Charge (per check) | PHP 1,000.00 |
| Penalty Charge (per day, per check for every P40,000 or a fraction thereof) | PHP 200.00 |
| Additional Charges (per day, per check for every P40,000 or a fraction thereof) | PHP 30.00 |
| Dishonored / Returned Checks: | |
| Service Charge (per check) | PHP 2,000.00 |
| Penalty Charge (per day, per check for every P40,000 or a fraction thereof) | PHP 200.00 |
| Additional Charges (per day, per check for every P40,000 or a fraction thereof) | PHP 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) | PHP 1,000.00 |
| Additional Charges (per check) | PHP 25.00 |
| Stop Payment Order (SPO) Application | |
| Peso Checks (per check) | PHP 200.00 |
| Amount to be debited upon presentation of checks | |
| Via inward clearing For Funded Checks | PHP 2,000.00 |
| Via inward clearing For Unfunded Checks (SPO-DAIF) (per check) | PHP 50.00 |
| Over-the-Counter presentment For Funded Checks | PHP 1,025.00 |
| Via inward clearing For Unfunded Checks (SPO-DAIF) (per check) | |
| Checkbook Request | |
| Personal (50 pieces per checkbook) | PHP 175.00 |
| Commercial (100 pieces per checkbook) | PHP 350.00 |
ATM / Visa Debit Charges
| ATM Charges | Fees |
| Replacement of ATM cards | PHP 160.00 |
| Over-the-Counter Withdrawal for ATM-based Accounts | PHP 25.00 |
| ATM Transactions | |
| Balance inquiry using UCPB ATMs | Free |
| Withdrawals using UCPB ATMs | Free |
| Balance inquiry at Philippine non-UCPB ATMs | PHP 2.00 |
| Cash Withdrawals at Philippine non-UCPB ATMs | PHP 12.00 |
| Balance Inquiry at non-Philippine, Visa-accredited ATMs | PHP 50.00 |
| Cash Withdrawals at non-Philippine, Visa-accredited ATMs | PHP 150.00 |
| Change of Personal Identification Number (PIN) | |
| Local (Maintaining and transacting branch under one area code) | PHP 50.00 |
| Regional (Maintaining and transacting branch under different area codes) | PHP 100.00 |
| Fund Transfers | |
| Fund Transfer to UCPB Accounts through UCPB ATMs | Free |
| Fund Transfer to non-UCPB accounts through UCPB and Philippine non-UCPB ATMs | PHP 25.00 per transaction |
| Bills Payment through ATMs | |
| Bills Payment through UCPB and Philippine non-UCPB ATMs | Free |
| Point-of-Sale (POS) Payments | |
| Cashless Purchase through local (Bancnet) and international (Visa) POS Terminals | Free |
|
Online shopping payment though Visa-accredited internet merchants*
Some merchants charge web or convenience fee. |
Free* |
Standard Withdrawal, Purchase and Pay-Out Limits
| Transaction* Below are the standard limits of your Card. You may have these increased / decreased through your UCPB maintaining branch. |
Daily Limit |
| ATM Cash Withdrawal | PHP 20,000 |
| Purchases (via Point-of Sale POS and Online Payments | PHP 100,000 |
| Point of Sale (POS) Cash Pay-out | PHP 20,000 |
| Inter-Bank Funds Transfer | PHP 100,000 |
UCPB eMoney Cards
| UCPB eMoney Cards | Fees |
| Issuance of eMoney Card (per card) | PHP 100.00 |
| Replacement of eMoney Card (per card) | PHP 160.00 |
| Over-the-Counter Loading of eMoney account (per transaction) | PHP 10.00 |
| Over-the-Counter Withdrawal from eMoney account (per transaction) | PHP 15.00 |
| Withdrawal using non-UCPB ATMs | PHP 12.00 |
| Balance Inquiry using non-UCPB ATMs | PHP 2.00 |
| Withdrawal using UCPB ATMs | Free |
| Balance Inquiry using UCPB ATMs | Free |
UCPB Mobile Phone Banking
| UCPB Mobile Phone Banking Service | Fees |
| Balance Inquiry | |
| Peso Account (per account) | Free of Charge |
| Dollar Account (per account) | Free of Charge |
| Bills Payment (per transaction) | Free of Charge |
| Fund Transfers to your own UCPB Accounts | |
| Peso Account (per transaction) | Free of Charge |
| Dollar Account (per transaction) | Free of Charge |
| Fund Transfers to other UCPB Accounts | |
| Peso Account (per transaction) | Free of Charge |
| Dollar Account (per transaction) | Free of Charge |
| Cellphone Load Purchase (per transaction) | Free of Charge |
| Mobile Phone Banking Service Transaction History | |
| Last 3 transactions | Free of Charge |
Remittances
| REMITTANCES | Fees | |
| Peso Real-Time Gross Settlement (RTGS) | ||
| Transaction Value: P1.00 to P1,000,000.00 | PHP 250 | |
| Transaction Value: P1,000,000.00 to P10,000,000.00 | PHP 350 | |
| Transaction Value: Over P10,000,000.00 to P20,000,000.00 | PHP 450 | |
| Transaction Value: Over P20,000,000.00 to P35,000,000.00 | PHP 550 | |
| Transaction Value: Over P35,000,000.00 | PHP 700 | |
| PDTC US Dollar Real-Time Gross Settlement (RTGS) | Inward | Outward |
| US Dollar Service Charge | USD 7.50 | USD 18.00 |
| SWIFT MT103 from Foreign Correspondent Banks | Inward | Outward |
| US Dollar Service Charge | USD 7.50 | USD 20.00 |
| Paid in PhP Service Charge | Minimum PHP200.00* |
|
| PPS Real-Time Gross Settlement (RTGS) via SWIFT | Inward | Outward |
| Peso | PHP 100.00 | Minimum PHP 250.00 |
| PCHC Electronic Peso Clearing and Settlement System (EPCS) (End of Day) | Inward | Outward |
| US Dollar Service Charge Philippine Domestic Dollar Transfer System (PDDTS) | USD 5.00 | USD 15.00 |
| Peso Service Charge | PHP 150.00 | PHP 150.00 |
| Via UCPB Connect | PHP 100.00 | |
| Direct Deposit Facility for US Pensioners | USD700.00 and below |
Above USD 700.00 |
| Service Charge | USD 4.00 | USD 6.00 |
* 1/4 of 1% for the for the first P100,000.00 and 1/8 of 1% in excess of P100,000 plus documentary stamp tax.
UCPB My1Time
| UCPB My1Time |
| Transaction Fee P20.00 or 1% of total amount fee per transaction, whichever is higher |
Other Services
| Other Services | Fees |
| Bank Certification | |
| Regular (per certification) | PHP 300.00 |
| For the British Embassy (per certification) | PHP 300.00 |
| Statement Requests | |
| Printing of Statement of Account (SOA) at Maintaining Branch | |
| Statement-based accounts | PHP 200.00 |
| Passbook-based accounts (per request) | PHP 200.00 |
| Mailing of Monthly Statement of Account (per month) | PHP 15.00 |
| Manager’s Check Application (per check) | PHP 50.00 |
| Gift Check (per check) | PHP 50.00 |
| Counter Check (per Check) | PHP 50.00 |
| Safety Deposit Box Rental Fees | |
| Deposit for Keys (per box) | PHP 1,000.00 |
| 3 x 5 x 24 (annual) | PHP 360.00 |
| 4 x 5 x 24 (annual) | PHP 460.00 |
| 5 x 5 x 24 (annual) | PHP 620.00 |
| 3 x 10 x 24 (annual) | PHP 720.00 |
| 4 x 10 x 24 (annual) | PHP 820.00 |
| 5 x 10 x 24 (annual) | PHP 1,030.00 |
| 10 x 10 x 24 (annual) | PHP 2,050.00 |
| Penalty for late payment of renewal charges (monthly) | PHP 150.00 |
| Domestic Bills Purchase | |
| Total amount of DBP granted x Lending Rate x Number of Days Float divided by 360 (PxRxT) or P200.00, whichever is higher (per transaction) | |
| Telegraphic Transfers | |
| Up to P10,000.00 | P126.50 |
| Above P10,000.00 | P126.50 + (1/3 of 1% of amount in excess of P10,000) |
*Rates are subject to change without prior notice.
For other rates and charges, please inquire with your UCPB branch.
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