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PhP100 bank account opening deposit, posible na sa mga bangko

Nitong September 25, 2019, naimbitahan tayong maging moderator sa Finovation 2019 ng eCompareMo.com. Ito ang unang roundtable discussion ng summit matapos ang keynote speech ng Bangko Sentral ng Pilipinas (BSP) governor, Benjamin Diokno.

Nang tanungin ko ang Managing Director ng Center for Learning and Inclusion Advocacy na bahagi ng BSP, Ms. Pia Bernadette Tayag ang mga ginagawa nito para mapaigting ang pagkakaroon ng malayang paggamit ng mga financial services sa bansa (financial inclusion), ibinahagi niya ang basic deposit account.

Ang basic deposit account ay ang isang savings account sa anumang bangko kung saan pinapadali nito ang pagkakaroon ng savings account Ito ang laman ng Circular 992 ng BSP na ipinatupad noong February 2018.

Una sa lahat, pinapadali nito ang mga documentary requirements para makapagbukas ng savings account sa anumang bangko. Alam naman natin na mahigpit na ipinapatupad ang pagkakaroon ng government-issued ID, lalo na sa mga commercial banks.

Ang minimum account opening deposit ay hindi dapat lalagpas sa PhP100, wala itong minimum maintaining balance at wala ring dormancy charges. Sa mga ganitong features, malayang makakapagbukas ang karaniwang Filipino ng kanilang bank account at ma-enjoy ang mga pakinabang ng pagkakaroon nito.

PhP50,000 ang maximum balance para sa basic deposit account. Kapag ang balance o laman ng basic deposit account ay lalagpas na dito, mako-convert ito bilang regular deposit account.

Para mabigyan ng incentive ang mga bangko na ipatupad ito, hindi na sila kinakailangang maglaan ng reserve requirement para sa basic deposit account. 

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2 Comments

  • Marisse Krizza says:

    Hi Vince…so what is the only basic requirements needed to open this basic account. I want to know because my household staff long wanted to have their own atm acct but because of some limitations in producing requirements, they are unable to do such. Im happy with this basic acct as it seems possible for them to do this now. I am encouraging them to save part of their earnings…thank you.

    • Vincent Rapisura says:

      at least one gvernment-issued ID. kung wala po, any ID and a letter from you to the bank vouching their identity. This will help if you are already a long time customer with the bank.

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