Regular Time Deposit

Regular Time Deposit

Enjoy the security of a certificate while earning interest! Earn an interest higher than a savings account with an affordable balance requirement.

Your Quick Guide

Minimum Deposit
Php 1,000
Interest Rate
(Please see Rate Sheet)
30, 60, 90, 120, 180 or 360 days
Transaction Record
Certificate of Time Deposit


Choose a shorter or longer tenor depending on the availability of your funds

Provide you liquidity as interests can be credited monthly to your settlement account every renewal/rollover day

Select your disposition upon maturity: roll principal and interest for another term, renew principal only or redeem both principal and interest

Also available for corporate accounts

Earn competitive rates depending on the amount and tenor of your placement

Access your time deposit anywhere with the convenience of PBCOM Online Platform or POP

How to Open an Account

  1. Fill-out the CLIENT INFORMATION FORM (click here) then print it
  2. Affix your signatures in the printed form
  3. Submit the form to the nearest PBCOM Branch and present one valid Government issued ID


Want to open an account without going to the branch? Check out our all-digital account opening through PBCOMobile (click here)

Comparative Table

Peso Time Deposit

 Product Name   Minimum Placement   Available Tenors   Interest Rate  
 Regular Time Deposit  PHP 1,000 30, 60, 90, 120, 180, 360 days Please see Rate Sheet
 Passbook Time Deposit   PHP 50,000 30, 60, 90, 120, 180, 360 days Please see Rate Sheet
 (for renewals / rollovers only) 
 Premium Time Deposits  PHP 1,000,000  2 years   Please see Rate Sheet 
Sure Earner Time Deposit PHP 50,000  5 years & 1 month   Please see Rate Sheet 

Foreign Currency Time Deposits

 Product Name   Minimum Placement   Available Tenors   Interest Rate  
Dollar Time Deposit  USD 1,000   30, 60, 90, 120, 180, 360, 540 days  Please see Rate Sheet
Maxi Dollar Time Deposit USD 5,000 1 year (365d) 5,000 - <50,000 - refer to rate sheet
50,000 & up - refer to rate sheet
Plus add-on interest of US$1.00 for every US$5,000 amount of placement every month credited to a Dollar SA settlement account. Add-on interest is net of final withholdig tax.
Dollar Plus Time Deposits USD 20,000 2 and 3 years Please see Rate Sheet


Terms and Conditions

PBCOM Account Opening Terms and Conditions


Deposits are insured by PDIC up to P500,000 per depositor.

Rate Sheet, Fees and Charges

Rate Sheet - Deposits as of Aug 9, 2023
Fees and Charges - Deposits as of Feb 1, 2023