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PondoKo Savings

PISO lang, may savings account ka na.

Features ng PondoKo Savings

Libreng Padala

Free Send Money to GCash and other bank accounts via Instapay

Buy Load

2% cashback sa kada load sa kahit anong network.

Simpleng Requirements

Isang valid ID lang ang kailangan

Walang required maintaining balance

Hindi required ang maintaining balance para sa PondoKo Basic Deposit Account.

Quick Guides

How to open a PondoKo Savings account

Step 1: I-download ang BanKo Mobile App sa Google Play o App Store at maghanda ng isang valid ID

Step 2: I-tap ang “Open a New Account” at piliin ang “PondoKo Savings”

Step 3: Ilagay ang mga information na hihingiin, kasama na ang pag-upload ng isang valid ID at pagkuha ng selfie.

Reminder: Siguraduhing mag-deposit within 7 days para maiwasang ma-close ang account. Iwas service fees din kapag may regular na transaction tulad ng deposit, Buy Load, Pay Bills, Send Money at Pay Loan.

Requirements to open:

Isang valid ID lang ang kailangan
Touchscreen phone at mobile number mula sa kahit anong network
WiFi or internet
Version ng Operating System
- Para sa Android, 5.0 o mas mataas pa.
- Para sa iOS, 11.0 o mas mataas pa.

List of accepted IDs

Ang mga sumusunod na IDs ay maaari gamitin para sa straight-through processing :

Driver's License
Government Owned and Controlled Corporations (GOCC):
- Philippine National ID (PNID)
- Social Security System (SSS) ID
- Unified Multi-Purpose ID (UMID)
Philippine Passport
Professional Regulation Commission (PRC) ID
Postal ID

Kung wala kang ID mula sa itaas na listahan, maaari pa rin iupload ang mga IDs na ito sa BanKo Mobile App pero kailangan pa rin pumunta sa BanKo branch o piling BanKo Cash Agent* para sa face-to-face verification:

Company ID (company must be regulated/ supervised by BSP, SEC or IC)
Department of Social Work and Development (DSWD) Certification
Other GOCC ID (Home Development Mutual Fund (HMDF) ID/ Pag-IBIG ID)
Government Service Insurance System (GSIS) e-card
Integrated Bar of the Philippines ID
NBI Clearance
OWWA ID
OFW ID
Persons With Disability (PWD) ID
Police Clearance
PhilHealth ID
Seaman’s Book/Seafarer's ID and Record Book
Senior Citizen ID
Photo-bearing Student’s ID signed by head of school/Principal
Tax Identification Number (TIN) ID
Voter's ID

*Tambunting Pawnshop, Raquel Pawnshop o GRJ Jaro Pawnshop

Minimum requirements para sa pagbukas ng PondoKo Basic Deposit account:

Kahit anong dokumento nakasulat na maaari gamitin para mapatunayan ang pagkakilanlan ng isa:
- Barangay Certificate

Deposit Balance Requirements and Rates

Type of Deposit Account	Required Initial Deposit	Required Maintaining Balance	Required Daily Balance²to Earn Interest	Interest Rate³ per Annum*
PondoKo Basic Deposit Account (BDA)	Any Amount	None	Php 500	Below Php 500 : none Php 500 to Php 50,000 : 0.0625% p.a.
PondoKo Regular Savings Account	Php 500	ADB¹ of Php 500	Php 500	Below Php 500 : none Php 500 and above : 0.0625% p.a.
PondoKo SEME Account	None	Waived	Php 5,000	Below Php 5,000 : none Php 5,000 to Php 1,000,000 : 5.0% p.a. Above Php 1,000,000 : 0.0625% p.a.

Type of Deposit Account

Required Initial Deposit

Required Maintaining Balance

Required Daily Balance²to Earn Interest

Interest Rate³ per Annum*

PondoKo Basic Deposit Account (BDA)

Any Amount

None

Php 500

Below Php 500 : none
Php 500 to Php 50,000 : 0.0625% p.a.

PondoKo Regular Savings Account

Php 500

ADB¹ of

Php 500

Below Php 500 : none
Php 500 and above : 0.0625% p.a.

PondoKo SEME Account

None

Waived

Php 5,000

Below Php 5,000 : none
Php 5,000 to Php 1,000,000 : 5.0% p.a.
Above Php 1,000,000 : 0.0625% p.a.

* Effective November 1, 2023

Service Fees

Particulars	Amount of Fee / Charge
Monthly Service Charge
PondoKo Basic Deposit Account (BDA)	Php 50⁴
PondoKo Regular Savings Account	Php 50⁵
PondoKo SEME Account	Waived
Monthly Dormancy Charge	Waived
Cost of Debit Card	Free
Local ATM Transactions
Balance Inquiry	In accordance to ABFC**
Withdrawal	In accordance to ABFC**

1. ADB refers to Average Daily Balance, which is defined as the sum of the daily end-of-day balances in the account for a month divided by the number of days in that month.

The formula for computing ADB is as follows:

ADB = (Day 1 ending balance + Day 2 ending balance… + Day 30/31 ending balance)
Number of days in the month (ie 30/31 days)

2. Daily Balance is equivalent to end-of-day balance.

3. Interest earned shall be credited monthly to your savings account(s) provided that the account has not been closed prior to schedule of interest crediting.

4. Monthly service charge will be imposed to BDA should there be no financial activity for the immediately preceding twelve (12) months and whose balance is below ₱500 ADB.

5. Monthly service charge will be imposed if the deposit account balance has fallen below the required minimum monthly ADB for at least two (2) consecutive months.

**Acquirer-Based Fee Charging (ABFC) was implemented on April 7, 2021

ABFC FAQs
1. Ano ang Acquirer-Based ATM Fee Charging (ABFC)?

Ang Acquirer-Based Fee Charging (ABFC) ay ang halagang ibabawas sa debit cardholders sa tuwing gumagamit ng ATM. para mag withdraw or mag balance inquiry. Ang mga fees na ito ay sisingilin ng bangko na may ari ng Automated Teller Machine (ATM).

2. Bakit nagkaroon ng pagbabago sa ATM Fees?
Ito ay alinsunod sa announcement na inilabas ng Bangko Sentral ng Pilipinas, BSP Memorandum No. M-2019-020.

3. Kailan magsisimula ang implementasyon ng ABFC?
Ang ABFC ay magsisimula sa April 7, 2021.

4. Paano ko malalaman ang ATM withdrawal at balance inquiry fees?
Ang halaga ng ATM withdrawal at balance inquiry fees ay maaaring magkaka-iba depende sa may-ari ng Automated Teller Machine (ATM). Para malaman ang halaga ng fees, maaaring bisitahin ang website ng may-ari ng Automated Teller Machine (ATM).

Transaction Fees

Via BanKo Cash Agents

Particulars	Fee
Cash In / Deposit to a PondoKo, TODO or any BanKo Savings account¹	Free
Cash Out/ Withdrawal	Php 2 per Php 100
Pay Bills	Php 8

¹Effective November 16, 2023

Via BanKo Branches & BLUs

Particulars	Fee
Deposit to a PondoKo, TODO or any BanKo savings account²	Free
Withdrawal	2% of withdrawal amount

²Effective December 22, 2022

Via BanKo Mobile

Particulars	Fee via Mobile App	Fee via USSD 1181#
Send Money³
To any BanKo Account	Free	Free
To any BPI Account	Free	Free
To other local banks/e-wallets via Instapay	Free	not available
Pay Bills	Php 5	Php 5
Buy Load	Get 2% Rebate	Get 2% Rebate

³Effective April 11, 2023

Frequently Asked Questions

Ano ang PondoKo Savings?

Ang PondoKo ay isang savings account na may kasamanag mobile app kung saan maaari ninyong gamitin para makapag-ipon, mag-load, magbayad ng bills, magbayad ng loan at magpadala ng pera gamit ang inyong mobile phone. Maaari kayong magdeposit o magwithdraw sa mga accredited Banko Cash Agents o sa kahit saang BancNet- affiliated ATMs nationwide.

Kikita ba ng interest ang aking PondoKo Account?

Oo, ang PondoKo Savings account ay kikita ng interest kapag sapat ang balanse nito. Ito ay madadagdag sa iyong account kada buwan.

Paano ba mag-open ng PondoKo Savings account?

Para mag-open ng PondoKo account ihanda ang iyong valid ID at sundin lamang ang mga sumusunod na steps:

Step 1. I-download ang BanKo Mobile app sa Google Play Store o iOS App Store.

Step 2. I-click ang “Open a New Account” button at piliin ang “PondoKo Savings”

Step 3. Ibigay ang personal information, basahin at sumangayon sa Terms and Conditions at Data Privacy Policy.

Step 4. Ibigay ang mobile number at iba pang personal information.

Step 5. Kunan ng picture ang inyong valid ID at kumha rin ng inyong selfie.

Step 6. I-review nang maigi ang inyong account application bago tumuloy.

Step 7. Mag-nominate ng Username, Password at MPIN na inyong matatandaan. Ito ay kailangan para ma-access ang inyong PondoKo account gamit ang BanKo Mobile app. Siguraduhing walang makakaalam ng inyong Username, Password at MPIN.

Step 8. Kayo ay makakatanggap ng message na na-open na ang inyong PondoKo account. Maaari na kayong mag-log in sa inyong BanKo Mobile para ma-check ang detalye ng account. Sigurduhing mag-deposit sa account within seven (7) days at palaging gamitin ang account para iwas charges.

Ano ang mga requirement para makapag-open ako ng PondoKo Account?

Simple lang ang requirements para makapagopen ng PondoKo Account:

Isang valid ID
Touchscreen phone at mobile number mula sa kahit anong network
WiFi or internet
Version ng Operating System
- Para sa Android, 5.0 o mas mataas pa
- Para sa iOS, 11.0 o mas mataas pa

Anu-ano ang mga ID na maaaring gamitin para makapag-open ng PondoKo Account?

Ang mga sumusunod na IDs ay maaari gamitin para sa straight-through processing :

Driver's License
Government Owned and Controlled Corporations (GOCC):
- Philippine National ID (PNID)
- Social Security System (SSS) ID
- Unified Multi-Purpose ID (UMID)
Philippine Passport
Professional Regulation Commission (PRC) ID
Postal ID

Company ID (company must be regulated/ supervised by BSP, SEC or IC)
Department of Social Work and Development (DSWD) Certification
Other GOCC ID (Home Development Mutual Fund (HMDF) ID/ Pag-IBIG ID)
Government Service Insurance System (GSIS) e-card
Integrated Bar of the Philippines ID
NBI Clearance
OWWA ID
OFW ID
Persons With Disability (PWD) ID
Police Clearance
PhilHealth ID
Seaman’s Book/Seafarer's ID and Record Book
Senior Citizen ID
Photo-bearing Student’s ID signed by head of school/Principal
Tax Identification Number (TIN) ID
Voter's ID

*Tambunting Pawnshop, Raquel Pawnshop o GRJ Jaro Pawnshop

Minimum requirements para sa pagbukas ng PondoKo Basic Deposit account:

Kahit anong dokumento nakasulat na maaari gamitin para mapatunayan ang pagkakilanlan ng isa:
- Barangay Certificate

Umpisahan ang pag-iipon with BanKo Mobile App

Available sa Google Playstore at Apple Store.

DOWNLOAD NOW

Mas pinadali ang pang-araw-araw gamit ang BanKo Mobile App

Pay Bills with BanKo App

Pay your bills in a fast and hassle-free way gamit lang ang inyong mobile phone.

Send Money with BanKo App

Nasaan ka man, ano mang oras, pwede mag padala ng pera sa account nino man.

Buy Load with BanKo App

Hassle-free at mabilis bumili ng load using the BanKo Mobile app — pwede sa kahit anong...

Related Information

Terms and Conditions

About Us

Need more help

About BanKo

Site Links

BPI Direct BanKo, Inc., A Savings Bank 220 Ortigas Avenue, 4th Floor BanKo Center, North Greenhills, San Juan City 1503

8:30 AM to 5:30 PM PHT (UTC+08:00)

For inquiries and comments, please contact our BanKo Hotline number at (02) 8819-6728—available 24/7; or send us an email at banko_contactcenter@bpi.com.ph.

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Internal Component

PondoKo Savings

Libreng Padala

Buy Load

Simpleng Requirements

Walang required maintaining balance

How to open a PondoKo Savings account

List of accepted IDs

Service Fees

1. ADB refers to Average Daily Balance, which is defined as the sum of the daily end-of-day balances in the account for a month divided by the number of days in that month.

The formula for computing ADB is as follows:

ADB = (Day 1 ending balance + Day 2 ending balance… + Day 30/31 ending balance) Number of days in the month (ie 30/31 days)

2. Daily Balance is equivalent to end-of-day balance.

3. Interest earned shall be credited monthly to your savings account(s) provided that the account has not been closed prior to schedule of interest crediting.

4. Monthly service charge will be imposed to BDA should there be no financial activity for the immediately preceding twelve (12) months and whose balance is below ₱500 ADB.

5. Monthly service charge will be imposed if the deposit account balance has fallen below the required minimum monthly ADB for at least two (2) consecutive months.

**Acquirer-Based Fee Charging (ABFC) was implemented on April 7, 2021

ABFC FAQs 1. Ano ang Acquirer-Based ATM Fee Charging (ABFC)?

Ang Acquirer-Based Fee Charging (ABFC) ay ang halagang ibabawas sa debit cardholders sa tuwing gumagamit ng ATM. para mag withdraw or mag balance inquiry. Ang mga fees na ito ay sisingilin ng bangko na may ari ng Automated Teller Machine (ATM).

2. Bakit nagkaroon ng pagbabago sa ATM Fees? Ito ay alinsunod sa announcement na inilabas ng Bangko Sentral ng Pilipinas, BSP Memorandum No. M-2019-020.

3. Kailan magsisimula ang implementasyon ng ABFC? Ang ABFC ay magsisimula sa April 7, 2021.

Ano ang PondoKo Savings?

Kikita ba ng interest ang aking PondoKo Account?

Paano ba mag-open ng PondoKo Savings account?

Ano ang mga requirement para makapag-open ako ng PondoKo Account?

Anu-ano ang mga ID na maaaring gamitin para makapag-open ng PondoKo Account?

Pay Bills with BanKo App

Send Money with BanKo App

Buy Load with BanKo App

Terms and Conditions

About Us

ADB = (Day 1 ending balance + Day 2 ending balance… + Day 30/31 ending balance)
Number of days in the month (ie 30/31 days)

ABFC FAQs
1. Ano ang Acquirer-Based ATM Fee Charging (ABFC)?

2. Bakit nagkaroon ng pagbabago sa ATM Fees?
Ito ay alinsunod sa announcement na inilabas ng Bangko Sentral ng Pilipinas, BSP Memorandum No. M-2019-020.

3. Kailan magsisimula ang implementasyon ng ABFC?
Ang ABFC ay magsisimula sa April 7, 2021.