Fees & Charges

SERVICE FEES/CHARGES AMOUNT
A. Deposit
1. ATM Charges
a. Withdrawal of Other Bank's ATM card via RBank ATM
 Php 18.00
b. Inquiry (Other Bank's ATM)
 Php 2.00
c. Inter-Bank Fund Transfer: Other Bank's ATM
 Php 25:00
d. Over-the-counter Winthdrawals of ATM Accounts
 Php 100.00
e. ATM Card Replacement
 Php 150.00
f. Cash Card Inactivity Fee
(after 6months of inactivity)
 Php 300.00
2. Return Check
a. Presenting Bank
 Php 1,000.00
b. Drawee Bank
 Php 1,000.00
Service Charge for every P40,000 per day
 Php 200.00
Recalling of Returned Check
 Php 300.00
3. Below Maintaining Balance
a. Passbook Saving Account
 Php 500.00
b. ATM Savings Account
 Php 500.00
c. Tykecoon Savings Account
 Php 500.00
d. Checking - Individual
 Php 500.00
e. Checking - Corporate
 Php 500.00
f. Dollar Savings Account
 $ 10.00
g. Jap Yen
 ¥ 1,000.00
h. Euro
 € 10.00
4. Early Closure Charge (90 Days from date opened)
a. Peso
 Php 500.00
b. Dollar
 $10.00
c. Jap Yen
 ¥ 1,000.00
d. Euro
 € 10.00
5. Stop Payment Order Php 500.00
6. Passbook Replacement Php 200.00
7. Inter-branch Withdrawal/Deposit

(Applicable only for inter0regional transactions. The fee may
be waived if the client's ADB is at least PHP 150,000.00)
 Php 125.00
8. Passbook Replacement
a. Personal
 Php 300.00
b. Commercial
 Php 500.00
9. Bank Certification Php 200.00
10. Statement of Account

(Requested by client)
 Php 100.00 for the first five (5) pages and **PHP10.00 for every succeeding page
11. Withdrawal of FCDU prior to

Lapse of Hold-Out Period
 0.0025 x Amount
12. Domestic BP Charges
a. Local Checks
 Amount x 18% x 2/360 or PHP 150.00 whichever is higher
b. Local MCs
 Amount x 18% x 2/360 or PHP 100.00 whichever is higher
13. Foreign BP Charges 0.25%
B. SSA/Time Deposits
1. Pre-Termination
a. If run date is less than 50% of the agreed term
 (Principal x Interest Rate x Term / No. of Run Days) * 25%

b. If run date is equal to or more than

50% of the agreed term
 (Principal x Interest Rate x Term / No. of Run Days) * 25%
2. Documentary Stamp Tax
a. If run period is less than 1 year (365 days)
 Placed Amount/200 x Term/365 days x Php 1.50
b. if run period is equal to or more than 1 year (365 days)
 Placed Amount/200 x Php 1.50
C. Others - Branch
1. Manager's Check Php 75.00
2. Demand Draft $5.00
3. Telegraphic Transfer
a. USD
i. Bene
 $17.50
ii. Our
 $27.50
b. Third Currencies
i. Bene
 $17.50
ii. Our
 $37.50
4. Early Closure Charge (90 Days from date opened)
a. Outgoing
 Php 300.00
b. Incoming
 Php 150.00
5. PDDTS $15.00
6. Safety Deposit Box
a. SDB Rental Fee (no pro-rating)
i. 5 x 5 x 24
 Php 1,500.00
ii. 3 x 10 x 24
 Php 2,000.00
iii. 5 x 10 x 24
 Php 2,500.00
iv. 10 x 10 x 24
 Php 3,000.00
b. Deposit for Keys
 Php 1,000.00
c. ADB required to Qualify for SDB Rental
 Php 500,000.00
d. SDB Force Open Charge
 Equivalent to twice the fee charged by the service provider to the Bank
7. Check Voucher Encashment Php 75.00
8. Day and Night Deposit
a. Bag Rent
 Php 2,000.00
b. Guarantee Deposit per Bag Use
 Php 2,000.00
c. Required ADB
 Php 300,000.00
9. Deposit Pick-up (DPI) Free (if required ADB is not met)

(Refer to Annex B for the Required ADB on free DPU service)
 Php 1,000.00 per pick-up
10. Bills Payment
a. Required ADB
 Php 500,000.00
b. Fees
 Php 10.00 per txn in excess of 100 txn per day
c. One-time Programming fee
 Php 30,000.00
11. Electronic Invoice Presentment and Payment
a. Required ADB
 Buyer - Php 500,000.00

Seller - Php10,000,000.00
b. Fee per paid Transaction
 Buyer - Not applicable

Seller - Php20.00
D. Loans
1. Housing Loan
a. Appraisal Fee
i. Within Metro Manila
 Php 3,500.00 or actual cost, whichever is higher **Php 500.00 for each additional title
ii. Outside Metro Manila
 Php 4,500.00 or actual cost, whichever is higher **Php 500.00 for each additional title
b. Processing Fee
i. Non-JG
 Php 3,500.00
ii. JG
 Php 2,000.00
c. Inspection Fee per Visit
i. Within Metro Manila
 Php 1,000.00
ii. Outside Metro Manila
 Php 1,500.00
d. Computer Fee (For REM)
 Php 2,400.00
e. Notarial Fee
 Php 250.00 per document
f. Late Payment Charge
 3% per month on unpaid amortizationt
g. Pre-payment Fee
 1.5% of the principal amoun prepaid
h. Handling fee for Pre-termination
 1.5% of the principal amoun prepaid
2. Personal Loan Program
a. Processing Fee
i. JG
 Php 250.00
ii. Non-JG Accredited
 Php 500.00
iii. Direct
1) Load Amount of P10,000 to P20,000
 Php 1,000.00
2) Loan Amount over P20,000
 Php 2,000.00
iv. Seafarer's Loans
 1% of loan amount
v. Seasoned Depositors
 1% of loan amount or P500, whichever is higher
vi. PLP Appliance Loan Program
 Php 250.00
b. Late Payment Charges
 5% per month on unpaid amortization
*For staff loan:
i. Rbank and JG employees
 5% per month on unpaid amortization
ii. non-JG/Direct/Calamity Loan
 5% per month on unpaid amortization
iii. Non-JG (Semi-monthly amortization)
 3% per month on unpaid amortization
c. Pre-Payment Fee
 1.5% of the principal amount prepaid
d. Handling fee for Pre-termination
 1.5% of the principal amount prepaid
3. Auto Loan
a. Registration to Registry of Deeds (RD)
 *Depends on the applicable fees set by the concerned RD
b. Notarial Fee
 Minimum of Php 250.00 per document
c. Processing Fee
Note: Except for 3-party dealer generated transactions and
2-party dealer generated transactions whose CHM
registration is handled by the dealer.
 Php 5,000.00
d. Service Fee
Note: Except for 3-party dealer generated transactions and
2-party dealer generated transactions whose CHM
registration is handled by the dealer.
 Minimum of Php 3,000.00 or actual cost, whichever is higher
e. Fees for second-hand vehicles
i. Car History Fee
 Php 1,500.00 or actual cost, whichever is higher
ii. Appraisal Fee
1) Within Metro Manila
 Php 1,500.00
2) Outside Metro Manila
 Php 2,500.00
iii. Handling Fee
 Php 2,500.00
f. Late Payment Charges
 5% per month on unpaid amortization
g. Pre-payment Fee
 1.5% of the pricipal amount prepaid
h. Handling fee for pre-termination
 1.5% of the pricipal amount prepaid
i. Cacellation Fee for pre-termination
 Php 500.00
j. Notarial Fee for loan pay-off
 Php 250.00
4. Small Business Loan
a. Appraisal Fee
i. Within Metro Manila
 Php 3,500.00

Php 500.00 for each additional title
ii. Outside Metro Manila
 Minimum of Php 4,000.00 OR actual cost whichever is higher

Php 500.00 for each additional title
b. Processing Fee
i. Term Loan
 Php 5,000.00
ii. Credit Line
 Php 5,000.00
c. Late Payment Charge
 3% per month on unpaid amortization
d. Pre-payment Fee
 1.5% of the principal amount prepaid
e. Handling fee for Pre-termination
 1.5% of the principal amount prepaid
5. mSME
a. Processing Fee
 1.5% of loan amount
b. Notarial Fee
 Php 250.00 per document
c. Documentary Stamps Tax for Deed of Assignment
 (Hold-out amount / 5000) x 20 + 20
d. Late Payment Charge
 3% per month on unpaid amortization
e. Pre-termination Fee
 3% of outstanding balance
f. Notarial Fee for loan pay-off
 Php 250,00
6. Cash Secured Loan - Late Payment charge 3% per month on unpaid amortization
7. Motorcycle Loan
a. Miscellaneous Fees
i. Luzon
 Php 1,600.00
ii. Provincial
 Php 3,500.00
iii. Tricycle Models for NCR branches except Las Pinas
 Php 2,900.00
b. Penalty Fee
 1% per Month
c. Pre-payment Fee
 1.5% of the principal amount prepaid
d. Handling fee for Pre-termination
 1.5% of the principal amount prepaid
8. Commercial Loans
Appraisal Fee
i. Within Metro Manila
 Php 3,500.00

**Php 500.00 for each additional title
ii. Outside Metro Manila
 Minimum of Php4,000.00 OR actual cost whichever is higher

**Php 500.00 for each additional title
9. Others
a. Pull-out of PDCs for loan payment due to insufficient funds
 Php 1,000 per PDC
b. Notarial Fee
 Php 250.00 per document
c. Documentary Stamp Tax on PN (For all loan products except Personal Loan Accounts (for personal use only and not for business or re-sale) with loan amount not exceeding Php 250,000.00 which shall not be charged any DST.)
i. For Loan Term below 365 days
 Loan amount / 200 (Rounded up to the nearest peso) x No. of days / 365 x 1.50
ii. For Loan term of 1 year and above
 Loan amount / 200 (Rounded up to the nearest peso) x 1.50

d. Documentary Stamp Tax for REM

 

Note: For PN with REM, DST to be applied shall be

 

which ever computation is higher (c or d)

 Loan amount / 5,000

(Rounded up to the nearest peso) x 20 + 20
e. Document Stamp Tax for Chattel Mortgage

 

Note: For Pn with REM, DST to be applied shall be

whichever computation is higher (c or e)

 

 Loan amount / 5,000

(Rounded up to the nearest peso) x 20 + 20
f. Reissuance of Cancellation of Mortgage
 Php 500.00
g. Preparation of Cancellation of REM/CHM
 Php 500.00
E. Treasury
Bank Certification Php 200.00
F. Interbank Fund Transfer( Direct2Bank)
1. PesoNet via Over-the-Counter Branch Transaction Php 100.00
2. PesoNet via Online Banking Php 20.00
3. InstaPay via Online Banking Php 10.00
G. Credit Cards
1. Annual Membership Fees
For DOS Classic and Platinum:No Annual Fee when you use your card 12 times within a year.
For Pru Life UK Classic and Platinum:No Annual Fee when you use your card to enroll your Pru Life UK policy to the auto payment facility.
a. Principal
i. UNO and DOS Classic
 Php 100.00 per month
ii. UNO and DOS Platinum
 Php 3,000.00
ii. Robinsons Cashback
 Php 2,500.00
ii. Pru Life UK Classic
 Php 1,200.00
ii. Pru Life UK Platinum
 Php 3,000.00
b. Supplementary
i. UNO and DOS Classic
 Php 50.00 per month
ii. UNO and DOS Platinum
 Php 1,500.00
ii. Robinsons Cashback
 Php 1,250.00
ii. Pru Life UK Classic
 Php 600.00
ii. Pru Life UK Platinum
 Php 1,500.00
2. Revolving Interest/Finance Charge 3%
3. Late Payment Fee Php 750.00
4. Foreign Currency Mark-up 3%
5. Card Replacement Fee Php 750.00
6. Payment Refund Fee Php 500.00
7. Account Maintenance Php 50.00
8. Over Limit Fee Php 750.00
9. Multiple Payment Processing Fee Php 40.00
10. Returned Check Fee Php 1,000.00
11. Charge slip Retrieval Fee Php 500.00
12. Certification Fee Php 100.00
13. Reprinting of Statement Fee Php 500.00
14. Installment Termination Service Fee 5% of Remaining Principal
15. Quasi Cash Fee 5% of the transaction amount
16. Gaming Fee 5% of the transaction amount