Promo Eligibility

• New customers: You may join if you open your first TODO Savings or PondoKo Savings account, or avail for your first NegosyoKo Loan during the promo period. Deposit account applicants must be at least 15 years old. NegosyoKo Loan applicants must be 23 to 67 years old and are still subject to the product’s regular eligibility and approval requirements.
• Existing BanKo customer: You may also join by referring qualified new customers during the promo period.
• Who cannot join: Employees of BPI Direct BanKo, Inc., employees of participating BanKo outlets, and their relatives up to the second degree of consanguinity or affinity are disqualified from the promo.

Promo Period

Promo runs from October 12, 2026 to December 12, 2026. Join at participating BanKo branches and field caravans.

Rice Reward

• Get 1/2 kg of rice for each qualified new participating deposit account or verified NegosyoKo Loan availment.
• Existing BanKo customers get 1 kg of rice for every two (2) successful referrals.
• Get an additional 1/2 kg of rice when you deposit PHP 5,000 into your newly opened TODO Savings account within seven (7) calendar days from account opening.
• All rewards are subject to BanKo’s verification.

How to Join

For New Customers:

1. Visit a BanKo branch or field caravan and choose a participating product: TODO Savings, PondoKo Savings, or NegosyoKo Loan.

2. Complete your account opening or loan application. Applications may be processed through the BanKo App, a BanKo branch/Branch Lite unit, or BanKo On-The-Go (BOTG). If you open an account through the app, please do so with a BanKo representative so your account can be validated for the promo.

3. Present at least one valid ID. Once your account or qualified loan availment is verified, coordinate with the BanKo representative to claim your rice reward. Fill out the acknowledgement form and provide your name, last five (5) digits of your deposit account number, and type of account availed. 

For Existing BanKo Customers/Referrers

1. Get your referral code from the BanKo App. Go to Other Services, then My Rewards Points.

2. Fill out the acknowledgment form and provide your name, referral code, and the two (2) new-to-bank referred customers’ names.

3. Submit the form to a BanKo branch or field caravan. The referral must be properly tagged and verified by BanKo.

4. A referral is successful when the referred customer is new to BanKo and opens their first participating deposit account or avails of their first NegosyoKo Loan.

How to Claim Your Reward:

Present your account details and a valid ID to the BanKo branch manager or representative for verification. If someone will claim on your behalf, the authorized representative must present an authorization letter and a photocopy of the account owner’s valid ID.

Rewards may be claimed within sixty (60) days from account opening or loan release.

Important Reminder

BanKo may verify the eligibility of participants, referrals, accounts, and loan availments. Entries involving fraud, abuse, or unauthorized activity may be disqualified. Applicable deposit and loan product terms and conditions shall apply. In case of dispute, BanKo’s decision shall be final.

For inquiries, please call BPI Direct BanKo at (02) 8819-6728, available 24/7.

Per DTI-FTEB Permit No. FTEB-268324, Series of 2026

Deposits are insured by PDIC up to ₱1 Million per depositor