Identification Requirements on Account Opening

For Individual Accounts

  • For Savings Account (SA), Time Deposit (TD) and MyWallet
    • One (1) valid photo-bearing government issued identification card and proof of address

  • For Current / Checking Account (CA)
    • Two (2) valid photo-bearing government issued identification card and proof of address

  • For Foreigners
    • One (1) valid photo-bearing government issued identification card (e.g. Passport, Driver's License, Social Security Number/ID) and proof of address

For Corporate Accounts

  • One (1) valid photo-bearing government issued identification card of each authorized signatories and corporate secretaries

  • Certificate of Registration issued by DTI, SEC, BSP

  • Articles of Incorporation/Partnerships or Association and By-Laws;

  • Board or Partner's Resolution duly certified by the Corporate/ Partner's Secretary authorizing to sign on behalf of the entity

  • Latest General Information Sheet

  • Proof of Address

Identification Requirements for SME Lending Products

  • Company Profile

  • Business Papers

  • Corporation/Partnership

    • SEC Registration

    • Articles of Incorporation

    • By-Laws

    • Latest General Information Sheet

  • Single Proprietorship

    • DTI Registration

    • Mayor's Permit

    • ITR (3 years)

  • Audited Financial Statement for 3 consecutive years

  • Latest Interim Financial Statement

  • Individual Profile of Principal Borrowers/Officers

  • List of Projects; Suppliers; Customers

  • Additional Documents for Small Business Loans Applicant

    • Latest 3 months Utility Bills Statements with Proof of Payment

    • Latest 3 months Credit Card Billing Statements with Proof of Payment

    • Latest 3 months Bank Statements

  • Collateral Documents

    • For Inventories/Equipment

      • Certified List of Merchandise Inventory

      • Invoices or Deed of Sale for Equipment

      • Certificate of Ownership for Equipment

    • For Real Estate Mortgage

      • Transfer Certificate of Title

      • Tax Declaration

      • Tax Clearance

      • Real Estate Tax Receipt

      • Location

List of Acceptable ID's

For Individual Accounts

  • Filipinos
    • Passport

    • Driver's License

    • Professional Regulations Commission (PRC) ID

    • National Bureau of Investigation (NBI) clearance

    • Police Clearance

    • Postal ID

    • Voter's ID

    • Tax Identification Number (TIN)

    • Barangay Certification

    • GSIS e-Card

    • SSS Card

    • Senior Citizen Card

    • OWWA ID

    • OFW ID

    • Seaman's Book

    • Government Services and Insurance System (GSIS) e-Card

    • Social Security System (SSS) Card

    • Philippines' Unified Multi Purpose ID

    • Senior Citizen Card

    • Philhealth Health Insurance Card ng Bayan

    • Overseas Workers Welfare Administration (OWWA) ID

    • Government Office, Government Political Subdivisions/Instrumentalities, and Government-owned and/or Controlled Corporations (GOCCs) issued IDs [e.g., Armed Forces of the Philippines and Home Development Mutual Fund (HDMF) ID]

    • Certification from the National Council for the Welfare of the Disabled Persons (NCWDP)

    • Department of Social Welfare and Development (DSWD) Certification

    • Integrated Bar of the Philippines ID

    • Company ID issued by private entities or institutions registered with or supervised or regulated by the BSP, SEC or IC. (Applies only for employees of companies with payroll arrangements with RCBC.)

  • Foreigners
    • Alien Certificate of Registration (ACR)

    • Immigrant Certificate of Registration (ICR)

For Corporate Accounts

  • Filipinos
    • Board of Partner's Resolution, Secretary's Certificate

    • SEC Registration (Corporation/ Partnership)

    • General Information Sheet (GIS)

    • Articles of Inc./Assoc./Coop.

    • By-Laws

    • Cooperative Development Authority Registration

  • Foreign Companies
    • SEC Documents

    • Similar documents issued by foreign country; duly authenticated by the Philippine Consulate

    • Board Resolution

List of Acceptable Proof of Address


  • Individual Clients
    • The following documents if containing the individual client's name and the permanent, present or office address as indicated on the Customer Relationship Form (CRF) shall be accepted:

      • Unexpired, photo-bearing government-issued IDs:

        • Driver’s License

        • NBI Clearance

        • Police Clearance

        • Postal ID

        • SSS/GSIS UMID cards

        • Senior Citizen ID

        • License to Possess Firearms/License to Carry Firearms Outside of Residence

      • Employment ID

      • Utility bills (e.g. cellphone, electricity, water, cable)*

      • Credit card or Bank Statement of Accounts (SOA)*

      • Insurance billings*

      • Unexpired home insurance policies

      • Delivery receipts from online shopping (e.g. Zalora, Lazada, OLX)*

      • Delivery receipts of known couriers (e.g. LBC, DHL, JRS)*

      • Latest Real Estate Tax Receipt

      • Latest Income Tax Receipt

      • Barangay Certification

      *should be dated within the last three (3) months

    • If the Barangay Certification is submitted:

      • The Official Receipt (OR) from the City Hall or Barangay Hall for the the issuance of the certification shall likewise be submitted.

      • If the OR cannot be submitted, confirmation with the issuing city hall/barangay shall be conducted by the Bank prior to account opening. Details of the confirmation (i.e., date and name of the barangay officer who confirms the certification) shall be indicated on the Barangay Certification and signed by the Bank personnel who conducted the confirmation.

    • For female clients, proofs of address under their maiden names shall be allowed.

    • For clients living with parents or relatives, proofs of address under the same surname shall be accepted.

    • For clients who are renting with no proof of address under their names, the following may be submitted:

      • Certification from lessor together with proof of billing under lessor's name OR

      • Notarized Lease Contract

  • Corporate Clients
    • The following documents if containing the corporate client's registered name and registered address as indicated on the CRF shall be accepted:

      • Notarized Lease Contract

      • Latest Mayor's Permit

      • Utility Bills (e.g. electricity, water)*

      • Delivery receipts of known couriers (e.g. LBC, DHL, JRS)*

      • Latest General Information Sheet

      • Latest Corporate Income Tax Receipt

      • Unexpired insurance policies covering corporate assets/risks

      • Latest Corporate Real Estate Tax Receipts

        *should be dated within the last three (3) months

    • Top 1000 companies and publicly listed companies shall be exempted from the submission of the proof of address.

      NOTE: List of these companies may be checked online through http://edge.pse.com.ph/companyDirectory/form.do

  • For solicited clients who are unable to submit acceptable proofs of address:
    • Site visit may be conducted in lieu of the submission of the proof of address.

    • The site visit shall be conducted by two (2) Bank personnel, one of which should come from Branch Services/non-Sales unit.

    • Site visit should be done prior to actual account opening.

    • Details of the site visit (i.e., date and names of the Bank personnel who conducted the visit) shall be indicated on the CRF and signed by those who conducted site visit.

  • Customer Information Servicing Department (CISD) shall ensure submission of the proof of address. CIFs of clients without this document shall be suspended by CISD.

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