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                UCPB Customer Relations Center (+632) 8811-9111   |   crc@ucpb.com   |  

                Service Fees and Charges

                Please click on below to see Bank Fees and Service Charges related to below transactions:

                Peso Accounts
                PESO ACCOUNTS Fee
                Account Maintenance Fees
                Monthly Fee for Falling Below the Required Minimum Monthly Average Daily Balance (MADB), for at least two (2) consecutive months ?500.00
                Fee for Early Closure of Account within 30 calendar days from opening date ?500.00
                Over-The-Counter Inter-Branch Deposits
                Local Inter-branch Deposit (same area code)
                Cash Deposit Free
                Check Deposit  Free
                Regional Inter-branch Deposit (different area codes)
                Cash Deposit  ?100.00
                Check Deposit  Free
                Over-The-Counter Inter-Branch Withdrawals
                Local Inter-branch Withdrawal (same area code)
                Cash Withdrawal – P100,000 or below per withdrawal slip ?50.00
                Cash Withdrawal – Above P100,000 per withdrawal slip .0005 x Amount
                Regional Inter-branch Withdrawal (different area codes)
                Cash Withdrawal – P100,000 or below per withdrawal slip ?120.00
                Cash Withdrawal – Above P100,000 per withdrawal slip .0012 x Amount
                Over-The-Counter Inter-Branch Check Encashments
                Local Inter-branch Check Encashment (same area code) ?50.00
                Regional Inter-branch Check Encashment (different area codes) ?120.00
                Inactivity and Dormancy
                Monthly Dormancy Fee, if account balance is below MADB and inactive for at least five (5) years ?30.00
                Mailing Fee client notification prior to dormancy (per letter sent) ?25.00
                Mailing Fee client notification to reactivate dormant account (per letter sent) ?25.00
                Replacement of Lost Passbook ?200.00
                Current Accounts
                CURRENT ACCOUNTS Fees
                Returned Checks and Other Cash Items (RCOCI)
                Honored Checks
                Service Charge (per check) ?1,000.00
                Penalty Charge (per day, per check for every P40,000 or a fraction thereof) ?200.00
                Additional Charges (per day, per check for every P40,000 or a fraction thereof) ?30.00
                Dishonored / Returned Checks
                Service Charge (per check) ?2,000.00
                Penalty Charge (per day, per check for every P40,000 or a fraction thereof) ?200.00
                Additional Charges (per day, per check for every P40,000 or a fraction thereof) ?55.00
                Dishonored Check due to Drawn Against Uncollected Deposit (DAUD) or Drawn Against Insufficient Funds (DAIF)
                Amount to be debited from the account (per check, regardless of amount) ?1,000.00
                Additional Charges (per check) ?25.00
                Stop Payment Order (SPO) Application
                 Upon application for Stop Payment Order (SPO) ?200.00
                Amount to be debited upon presentation of checks
                Via inward clearing For Funded Checks ?2,050.00
                Via inward clearing For Unfunded Checks (SPO-DAIF)
                *additional charges shall be imposed based on the check amount
                *minimum of ?2,255.00
                Via Over-the-Counter presentment For Funded Checks ?1,025.00
                Checkbook Request
                Personal (50 pieces per checkbook) ?250.00
                Commercial (100 pieces per checkbook) ?500.00
                Corporate Checkwriter, sheeted checks (100 pieces per checkbook, Check on Top or Check at the Bottom) ?700.00
                Corporate Checkwriter, sheeted checks (100 pieces per checkbook, 4 Checks in a sheet) ?600.00
                *additional charges may be imposed based on the check amount
                Electronic Payments
                ELECTRONIC PAYMENTS Fees
                Local Inter-Bank Fund Transfers in Philippine Peso
                PESONet
                Via UCPB Branches ?150.00
                Via UCPB Electronic Banking Channels – Internet or Mobile Banking ?100.00
                (waived until December 31, 2020)
                InstaPAY
                Via UCPB Electronic Banking Channels – Internet or Mobile Banking ?25.00
                (waived until December 31, 2020)
                US Dollar Savings Accounts
                US DOLLAR SAVINGS ACCOUNTS Fees
                Account Maintenance 
                Monthly Fee for Falling Below the Required Minimum Monthly Average Daily Balance (MADB), for at least two (2) consecutive months  US$10.00
                Fee for Early Closure of Account within 30 calendar days from opening date US$10.00
                Over-the-Counter Cash Deposits
                Local Inter-branch (same area codes) US$0.015 per US$1.00 deposit in excess of US$5,000 deposit per day (convertible to PHP based on the Exchange Rate for the day)
                Regional Inter-branch (different area codes) – up to US$2,000.00 per deposit slip US$2.00
                Regional Inter-branch (different area codes) – over US$2,000.00 per deposit slip .001 x Amount
                Withdrawal against cash deposit-within 10 calendar days holding period from date of deposit (per US$1 withdrawn) $0.005
                Over-the-Counter Check Deposits
                Sent through standard individual collection (per check)
                *additional charges may be imposed by the Drawee Bank
                *minimum of $100
                Sent through final credit service (per check) US$30.00
                Sent through cash letter service (per check) Free
                Returned Check sent via Final Credit US$30.00
                Returned Check sent via Cash Letter US$20.00
                Over-The-Counter Inter-Branch Withdrawals
                Local Inter-branch (same area codes) – $2,000 or below per withdrawal slip US$1.00
                Local Inter-branch (same area codes) – above $2,000 per withdrawal slip .0005 x Amount
                Regional Inter-branch (different area codes) – $2,000 or below per withdrawal slip US$2.00
                Regional Inter-branch (different area codes) – Above $2,000 per withdrawal slip .0012 x Amount
                Over-The-Counter Fund Transfers
                In-house Fund Transfers: Both accounts are maintained in transacting branch Free
                Either account to be credited or debited is maintained in transacting branch Free
                Local Inter-branch Fund Transfers (same area codes) (per transaction) US$1.00
                Regional Inter-branch Fund Transfers (different area codes) (per transaction) US$2.00
                Inactivity and Dormancy
                Monthly Dormancy Fee,
                if account balance is below MADB and inactive for at least five (5) years
                US$ equivalent of ?30
                Mailing Fee client notification prior to dormancy (per letter sent) $0.50
                Mailing Fee client notification to reactivate dormant account (per letter sent) $0.50
                Others
                Replacement of Lost Passbook ?200.00
                (or dollar equivalent)
                Third Currency Savings Accounts
                THIRD CURRENCY SAVINGS ACCOUNTS Fees
                Account Maintenance 
                Monthly Fee for Falling Below the Required Minimum Monthly Average Daily Balance (MADB), for at least two (2) consecutive months  AUD 10.00
                CAD 10.00
                EUR 10.00
                GBP 10.00
                JPY 1,000.00
                CNY 100.00
                Fee for Early Closure of Account within 90 calendar days from opening date AUD 10.00
                CAD 10.00
                EUR 10.00
                GBP 10.00
                JPY 1,000.00
                CNY 100.00
                Over-The-Counter Fund Transfers
                Over-The -Counter Fund Transfers -Local and Regional Fund Transfers (per transaction) AUD 5.00
                CAD 5.00
                EUR 5.00
                GBP 5.00
                JPY 500.00
                CNY 50.00
                Inactivity and Dormancy
                Monthly Dormancy Fee, if account balance is below MADB and inactive for at least five (5) years equivalent of ?30
                Mailing Fee client notification prior to dormancy (per letter sent) ?25.00
                Mailing Fee client notification to reactivate dormant account (per letter sent) ?25.00
                Others
                Replacement of Lost Passbook ?200.00
                (or dollar equivalent)
                Debit Card
                DEBIT CARD Fees
                Replacement of ATM cards ?200.00
                *effective April 1, 2019
                Over-the-Counter Withdrawal for ATM-based Accounts ?100.00
                *effective September 15, 2019
                Change of Personal Identification Number (PIN)
                Local (Maintaining and transacting branch under one area code) ?50.00
                Regional (Maintaining and transacting branch under different area codes) ?100.00
                ATM Transactions
                Balance inquiry using UCPB ATMs Free
                Withdrawals using UCPB ATMs Free
                Balance inquiry at Philippine non-UCPB ATMs ?2.00
                Cash Withdrawals at Philippine non-UCPB ATMs ?12.00
                Balance Inquiry at non-Philippine, Visa-accredited ATMs ?50.00
                Cash Withdrawals at non-Philippine, Visa-accredited ATMs ?150.00
                Fund Transfers
                Fund Transfer to UCPB Accounts through UCPB ATMs Free
                Fund Transfer to non-UCPB accounts through UCPB and Philippine non-UCPB ATMs ?25.00 per transaction
                Bills Payment through ATMs
                Bills Payment through UCPB and Philippine non-UCPB ATMs Free
                Purchase or Payment Transactions
                Payments through BancNet and Visa Point-Of-Sale (POS) Terminals Free
                Online shopping payment though Visa-accredited internet merchants*
                *Some merchants may charge web or convenience fee.
                Free*
                eMoney Cards
                eMONEY CARDS Fees
                Issuance of eMoney Card (per card) ?100.00
                Replacement of eMoney Card (per card) ?160.00
                Change of Personal Identification Number (PIN)
                Local (Maintaining and transacting branch under one area code) ?50.00
                Regional (Maintaining and transacting branch under different area codes) ?100.00
                Transactions via Branch Counters
                Over-the-Counter Loading of eMoney account (per transaction) ?10.00
                Over-the-Counter Withdrawal from eMoney account (per transaction) ?15.00
                ATM Transactions
                Balance inquiry using UCPB ATMs Free
                Withdrawals using UCPB ATMs Free
                Balance inquiry at Philippine non-UCPB ATMs ?2.00
                Cash Withdrawals at Philippine non-UCPB ATMs ?12.00
                Balance Inquiry at non-Philippine, Visa-accredited ATMs ?50.00
                Cash Withdrawals at non-Philippine, Visa-accredited ATMs ?150.00
                Fund Transfers
                Fund Transfer to UCPB Accounts through UCPB ATMs Free
                Fund Transfer to non-UCPB accounts through UCPB and Philippine non-UCPB ATMs ?25.00 per transaction
                Bills Payment through ATMs
                Bills Payment through UCPB and Philippine non-UCPB ATMs Free
                Purchase or Payment Transactions
                Payments through BancNet and Visa Point-Of-Sale (POS) Terminals Free
                Online shopping payment though Visa-accredited internet merchants*
                *Some merchants may charge web or convenience fee.
                Free*
                Branch Services
                BRANCH SERVICES Fees
                Bank Certification
                Regular (per certification) ?300.00
                For the British Embassy (per certification) ?300.00
                Statement Requests
                Printing of Statement of Account (SOA) at Maintaining Branch
                Statement-based accounts (per page) ?20.00
                Passbook-based accounts (per page) ?20.00
                Mailing of Monthly Statement of Account (per month) ?15.00
                Check Application
                Manager’s Check Application: PESO (per check) ?75.00
                *effective September 15, 2019
                Manager’s Check Application: US Dollar (per check) USD 13.00
                *effective July 1,2020
                Gift Check (per check) ?50.00
                Counter Check (per Check) ?50.00
                Safety Deposit Box Rental Fees
                Deposit for Keys (per box) ?1,000.00
                3 x 10 x 24 and below (annual) ?1,000.00
                *effective September 15, 2019
                4 x 10 x 24 (annual) ?1,200.00
                *effective September 15, 2019
                5 x 10 x 24 (annual) ?1,500.00
                *effective September 15, 2019
                10 x 10 x 24 (annual) ?2,500.00
                *effective September 15, 2019
                10 x 15 x 24 (annual) ?3,080.00
                Penalty for late payment of renewal charges (monthly) ?150.00
                Domestic Bills Purchase (DBP) Total amount of DBP granted x Lending Rate x Number of Days Float divided by 360 (PxRxT) or ?200.00, whichever is higher (per transaction)
                Telegraphic Transfers
                a.) Bank Commission  ?75.00 for the first P10,000.00 plus 1/3 of 1% of amount in excess of P10,000.00
                b.) Cable Charges ?50.00
                c.) Documentary Stamp ?1.50
                Time Deposits
                PESO TIME DEPOSITS Fees
                Documentary Stamp Tax
                1 year or more ?1.50 for every ?200.00 or a fraction thereof
                Less than 1 year ?1.50 for every ?200.00 or a fraction thereof, multiplied by number of days, divided by 365
                Pre-termination Penalty
                Withdrawn within first half of stipulated term 75% of stipulated interest rate
                Withdrawn within second half of stipulated term 50% of stipulated interest rate
                DOLLAR TIME DEPOSITS
                Check Deposit sent through standard individual collection
                *additional charges may be imposed by the Drawee Bank
                minimum of $100.00
                Check Deposit sent through final credit service (per check) $30.00
                Returned Check sent via Final Credit $30.00
                Check Deposit sent through Cash Letter Service (per check) Free
                Returned Check sent via Cash Letter Service (per check) $20.00
                Pre-termination Penalty
                Withdrawn within first half of stipulated term 75% of stipulated interest rate
                Withdrawn within second half of stipulated term 50% of stipulated interest rate
                Consumer Loans
                PERSONAL LOANS Fees
                Processing Fee* ?1,500.00
                Loan Certification* ?300.00
                Certification of Payment History* ?300.00
                Amendment on Term* ?5,000.00
                Late Payment Penalty** 5% per month of the Amount Due
                Documentary Stamp Tax (DST)*
                Loan Amount ?250,000.00 or less No DST
                Loan Amount over ?250,000.00 ?1.50 for evey ?200 or a fraction thereof
                *Shouldered by Client or Deducted from the Loan Proceeds
                **Shouldered by Client, NOT to be deducted from the Loan Proceeds
                SALARY LOANS
                Handling Fee* ?300.00
                Loan Certification* ?300.00
                Certification of Payment History* ?300.00
                Amendment on Term* ?5,000.00
                Late Payment Penalty** 5% per month of the Amount Due
                Documentary Stamp Tax (DST)*
                Loan Amount ?250,000.00 or less No DST
                Loan Amount over ?250,000.00 ?1.50 for evey ?200 or a fraction thereof
                *Shouldered by Client or Deducted from the Loan Proceeds
                **Shouldered by Client, NOT to be deducted from the Loan Proceeds
                REAL ESTATE LOAN
                Appraisal Fee*
                Metro Manila ?5,000 per title
                Outside Metro Manila ?6,000.00 per title
                Handling Fee*
                Individual Loans – Regular 1/4 of 1% of the loan amount
                Maximum of ?7,500
                Individual Loans – From Another Bank Regular Fee + ?2,000
                Purchase of Receivable Line ?500 for every ?2Million booking
                Filing Fee, based on the Loan Amount*
                ?500,000 to ?999,999 ?600.00
                ?1,000,000 to ?4,999,999 ?1,000.00
                ?5,000,000 to ?9,999,999 ?1,500.00
                ?10,000,000 and above ?2,000.00
                Cancellation Fee** ?700.00 per TCT/CCT
                Partial Release of Collateral* ?2,000.00
                Pre-payment Service Fee ?4,000.00
                Certification of Payment History* ?300.00
                Amendment on Term* ?5,000.00
                Loan Certification* ?300.00
                Late Payment Penalty** 5% per month of the Amount Due
                Notarial Fee** ?300.00 per document
                Registration Fee* Based on the Schedule of Fees –
                Registry of Deeds
                Documentary Stamp Tax (DST)*
                Annotation of Real Estate Mortgage documents Loan Amount / ?5,000 x ?10 + ?10
                Booking of Promissory Note Line Loan Amount / ?200
                *Shouldered by Client or Deducted from the Loan Proceeds
                **Shouldered by Client, NOT to be deducted from the Loan Proceeds
                AUTO LOAN  
                Appraisal Fee (applicable to second hand vehicles and imported cars)*
                Appraised on location ?1,000.00
                Appraised at UCPB Head Office ?500.00
                Car History (applicable to second hand vehicles and imported cars)*
                In-house ?600.00
                Outsourced ?1,000.00
                Handling Fee (applicable for non-renewal of insurance)* Documentary Stamp Tax
                of previous year’s insurance
                Registration Fee* Based on the Schedule of Fees –
                Registry of Deeds
                Cancellation Fee** ?500.00
                Notarial Fee** ?300.00 per document
                Loan Certification* ?300.00
                Certification of Payment History* ?300.00
                Amendment on Term* ?5,000.00
                Certified True Copies of Collateral Documents (Titles and OR/CR) ?300.00
                Late Payment Penalty** 5% per month of the Amount Due
                Outside Servicing Area (OSA) Charges (applicable to outside Metro Manila or service area of UCPB Consumer Finance Business Center) Based on the Schedule of Charges – OSA
                Encumbrance Fee* ?280.00
                Handling Fee for Assumption of Mortgage** 2% of Loan Balance
                Minimum of ?4,000; Maximum of ?10,000
                Chattel Mortgage Fees (CMF)* Sum of the following applicable fees:

                • Registration Fee
                • Promissory Note (PN) DST
                • Emcumbrance Fee
                • Notarial Fee
                Processing Fee* Based on the Schedule of Charges – CMF
                Promissory Note DST** Loan Amount / ?200
                Conversion of Registration from Private to Public**
                Within Metro Manila ?10,000.00
                Outside Metro Manila ?20,000.00
                *Shouldered by Client or Deducted from the Loan Proceeds
                **Shouldered by Client, NOT to be deducted from the Loan Proceeds
                Remittances
                REMITTANCES (OUTWARD/SENDING) Fees
                Local Inter-Bank Fund Transfers in Philippine Peso
                PESONet
                Via UCPB Branches ?150.00
                Via UCPB Electronic Banking Channels – Internet or Mobile Banking ?100.00
                (waived until December 31, 2020)
                InstaPAY
                Via UCPB Electronic Banking Channels – Internet or Mobile Banking ?25.00
                (waived until December 31, 2020)
                Real Time Gross Settlement (RTGS) via UCPB Branches
                Transaction Value: ?1.00 to ?1,000,000.00 ?250.00
                Transaction Value: ?1,000,000.00 to 10,000,000.00 ?350.00
                Transaction Value: ?10,000,000.00 to 20,000,000.00 ?450.00
                Transaction Value: ?20,000,000.00 to 35,000,000.00 ?550.00
                Transaction Value: ?35,000,000.00 and above ?700.00
                Local Inter-Bank Fund Transfers in US Dollars
                PDTC US Dollar Real Time Gross Settlement (RTGS) US$18.00
                International/Cross-Border Remittance in US Dollars or Other Foreign Currencies
                International/Cross-Border Remittance via SWIFT MT 103 US$20.00
                REMITTANCES (INWARD/RECEIVING) Fees
                International/Cross-Border Remittance in US Dollars or Other Foreign Currencies
                International/Cross-Border Remittance via SWIFT MT 103
                Credit to a US Dollar Deposit Account US$7.50
                Credit to a Philippine Peso Deposit Account ?200.00 + DST
                Direct Deposit Facility for US Pensioners
                Transaction Value: US$700.00 and below US$4.00
                Transaction Value: above US$700.00 US$6.00
                For other rates and charges, please inquire with your UCPB branch.

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                UCPB Trust Banking Group:
                (02) 8811-9520, 8811-9515, or 8811-9541
                trust@ucpb.com

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