Features ng TODO Savings
Simpleng requirements

Simpleng requirements

Open an account in just 5 minutes with one ID.

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High interest

Earn 5% interest* p.a for Php 5,000 to Php 1M.

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Hassle-Free Banking

No maintaining balance required.

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Safe and secure

Deposits are insured by PDIC.

Quick Guides
Deposit Balance Requirements and Rates

 

Deposit Balance Requirements and Rates
Required Initial DepositAny Amount
Required Maintaining BalanceNone
Required Daily Balance2 to Earn InterestPhp 5,000

Interest Rate3 per Annum

  • N/A - For balance below Php 5,000
  • 5.00% – For Php 5,000 to Php 1M
  • 0.0625% – For balances above Php 1M

Deposit to your TODO Savings account within thirty (30) days from account opening to avoid account closure.
Daily Balance is equivalent to end-of-day balance
3 Interest earned shall be credited monthly to your active TODO Savings account

 

Service Fees
Monthly Service ChargePhp 504
Monthly Dormancy ChargeWaived
Cost of Debit CardFree

Local ATM Transactions

Balance Inquiry; In accordance to ABFC5
Withdrawal; In accordance to ABFC5

Monthly service fee will be charged to the account if there is no financial activity for twelve (12) months and if average daily balance is below Php 500.

These fees depend on the owner of the Automated Teller Machine (ATM). Please visit the website of the ATM owner

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

Over-the-counter withdrawal fees via BanKo branches3

2% of the withdrawn amount, capped at a maximum of PHP 1,000

2Effective December 22, 2022

3Effective October 1, 2025

 

Via BanKo Mobile

Particulars

Fee via Mobile App

Fee via USSD *118*1#

Send Money4

  
  •  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


4Effective April 11, 2023

Frequently Asked Questions

I-Todo na ang savings!

Open a TODO Savings account today — just download the BanKo Mobile App.

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...