The PSBank ATM Savings account offers you the benefit of earning a fixed interest rate and the privilege of accessing your account anytime of the day via PSBank, Metrobank and BancNet ATMs nationwide as well as Mastercard ATMs worldwide. You can also experience hassle-free settlements of your utility and credit card bills or cashless shopping through BancNet’s electronic payment facility.

Open an account at any branch and get your personalized ready-to-use ATM card on the spot. No need to go back to the branch to claim your ATM card. No hassles, no delays.

Enroll in PSBank Online and/or download the PSBank Mobile. Experience secure and convenient 24/7 e-banking facilities that offer delightful banking moments.


Minimum Maintaining Balance


Average Daily Balance to Earn Interest


Interest Rate

Click here for the prevailing interest rates

Interest Crediting


  • Day and night banking in any PSBank, Metrobank, BancNet ATMs nationwide, and Mastercard ATMs worldwide.

  • Bills payment for utility companies, credit cards, and loans.

  • Cashless shopping from any BancNet-affiliated merchants.

* Your PSBank Debit Mastercard has daily purchase limit of PhP25,000 for point-of-sale (POS) transactions. The limit applies to individual and joint accounts and can be increased or decreased depending on your spending capacity. Adjustment on the limit can be requested in any PSBank branch or by calling the PSBank Customer Experience Hotline at (632) 845-8888. If you have a joint account, each of your cards will have a purchase limit of PhP25,000.

  • Hassle-free and on-the-spot issuance of ATM card.

  • Enrollment in PSBank Online and PSBank Mobile, the Bank's secure and convenient electronic banking facilities, allows you to check your account balances and perform other banking transactions anytime, anywhere.
Service fee (falling below maintaining balance)

PhP500 is charged if account falls below the required average daily balance for two consecutive months.

Service fee (accounts closed within 1 month from opening date)

PhP500 is charged if account was closed within one month from opening date.


ATMs Balance Inquiry Withdrawal Declined transactions*









BancNet-member Bank and ExpressNet




Mastercard (overseas)

US$1 per inquiry

US$3.50 per transaction

US$1.50 per transaction

* (insufficient funds and/or exceeds daily transaction frequency)

Withdrawal fee at any PSBank branch
  • up to PhP100,000 = PhP50 withdrawal fee
  • PhP100,001 and above = PhP100 withdrawal fee
Card replacement fee (for lost/stolen/demagnetized card) PhP200 per card 
Request for account balance and transaction history
  • via PSBank branch/PSBank Online/PSBank Mobile
  • PhP100 for the 1st 3 pages, PhP 20 for every succeeding page
  • via ATM – FREE for the last 5 transactions
Inter-bank fund transfer (if source account)
  • via ATM - PhP25
  • via PSBank Mobile and PSBank Online
    • InstaPay - Waived (until further notice)
    • PESONet - Waived (until further notice)
  • via PSBank Mobile QR - Waived (until further notice)

Note: All aforesaid fees and charges will take effect immediately and may be cancelled or modified anytime at the Bank’s sole discretion without any prior notice.

  • Completely filled-out bank forms:
    • Customer Information Sheet (CIS) for Individual Clients
    • Signature Card
    • Signing Instructions and Acknowledgement of Receipt Form

  • Presentation of at least one primary ID or two valid secondary IDs, one of which with photo and signature


For more information:


* Deposits are insured by PDIC up to PhP500,000 per depositor.

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