The PSBank Peso Personal 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*









Other Banks' ATMs


Fee* of the Owner of the ATM shall apply, with option to cancel.

* Fees may vary per ATM Owner


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 - PhP15 per transaction
    • PESONet - PhP50 per transaction
  • via PSBank Mobile QR - PhP15 per transaction

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 Valid / Acceptable ID with photo and signature

    •  List of Valid Government - Issued IDs:
      • Primary IDs 
        • PhilID and various formats of PhilSys Digital ID / e-PhilID
        • Digitized Non-Professional / Professional Driver's License
        • Digitized Postal ID, As issued by the Philippine Postal Corporation (PPC)
        • Digitized Social Security System (SSS)
        • Digitized Unified Multi-Purpose ID (UMID)
        • Government Service Insurance System (GSIS) E-card
        • Overseas Workers Welfare Administration (OWWA) Overseas Filipino Workers (OFW) E-Card
        • Person with Disability (PWD) ID
        • Philippine Government Issued Passport
        • Professional Regulation Commission (PRC) License
        • Seafarer's Identification and Record Book (Seaman's Book), as issued by the Department of Transportation Maritime Industry Authority
        • Senior Citizen ID
        • Special Resident Retiree's VISA or SRRV Card (In Lieu of ACR / ACR I-Card)
        • Voter's ID
      • Secondary IDs
        • Senior Citizen ID
        • Person with Disability (PWD) ID
        • Non-Digitized Voter’s ID
        • Non-Digitized Postal ID
        • National Bureau of Investigation (NBI) Clearance
        • Barangay Clearance Certificate / ID
        • Police Clearance Certificate / ID
        • Company Issued ID by Private Entities Registered or Regulated by BSP/SEC/IC
        • Photo-Bearing and Signature-Bearing Student Driver’s Permit / License with Official Receipt (O.R.)
    • For Foreign Nationals
      • Passport Issued by Country of Origin; and
      • Alien Certificate of Registration (ACR) ID or Special Resident Retiree’s Visa ID * For ACR, Visa Status may either be (a) Permanent Resident or Temporary Resident or (b) Immigrant or Non-Immigrant Visa.
    • Additional ID Requirement for Mainland Chinese Nationals
      • Resident Identity Card
    • Filipinos who are also Foreign Citizens
      • ID Requirements for Filipino Citizens; or
      • ID Requirements for Foreign Nationals

A cooling-off period of two (2) banking days is granted from the date of account opening. During the cooling-off period, the Account Holder may cancel or terminate the account without penalties, by submitting a written notice to the Bank. The Bank, however, reserves the right to deduct the documentary stamp and other taxes due thereon, if any, and collect reasonable processing, closure / pre-termination, and administrative fees when applicable, to cover the costs incurred during account opening.  The cooling-off period is available for financial consumers who are individuals, or micro and small enterprises as defined in applicable DTI regulations.

For more information:


General Provisions on Deposits and Other Products / Services


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

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