| 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 | ₱100.00 (waived until December 31, 2020) |
| InstaPAY | |
| Via UCPB Electronic Banking Channels – Internet or Mobile Banking | ₱25.00 (waived until December 31, 2020) |
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: 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 | ₱100.00 (waived until December 31, 2020) |
| InstaPAY | |
| Via UCPB Electronic Banking Channels – Internet or Mobile Banking | ₱25.00 (waived until December 31, 2020) |
| 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 |
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