Important Advisory: Changes to RCBC’s Checking and Savings Account Interest Rate
At RCBC, we are committed to providing you with relevant communication regarding your financial journey with us.
We would like to inform you of an upcoming adjustment to the interest rate per annum on your Philippine Peso-denominated checking and/ or savings account maintained in RCBC. Effective July 1, 2026, the following interest rate changes shall apply:
| From | To | Examples include but are not limited to: | |
|---|---|---|---|
| For products with NON-TIERED interest rates | 0.150% | 0.125% | Basic Savings, Digital Savings, eWoman, RCBC GoSavers, RCBC Remittance (formerly Telemoney), Regular Savings, SSS Pensioner |
| For products with TIERED interest rates | Tiered | All interest rate tiers will be reduced by 0.025% | Dragon, OneAccount, OneAccount Business |
Here is an illustration of a product with TIERED interest rates:
Dragon Checking Personal
| Required Daily Balance to Earn Interest |
From | To |
|---|---|---|
| 0.00 to 49,999.99 | 0.000% | 0.000% |
| 50,000.00 to 99,999.99 | 0.150% | 0.125% |
| 100,000.00 to 499,999.99 | 0.224% | 0.199% |
| 500,000.00 to 999,999.99 | 0.275% | 0.250% |
| 1,000,000.00 to 2,499,999.99 | 0.300% | 0.275% |
| 2,500,000.00 to 4,999,999.99 | 0.325% | 0.300% |
| 5,000,000.00 to 9,999,999.99 | 0.425% | 0.400% |
| 10,000,000.00 and above | 0.450% | 0.425% |
This new rate will be applied automatically to your balance starting on the effective date. All other features of the checking and savings accounts remain the same.
Why is this change happening?
Interest rates are influenced by a variety of external factors, including current market conditions and broader economic shifts. We, at RCBC, periodically review our rates to ensure that the Bank remains competitive while maintaining the high level of security and service expected from us.
What does this mean to you?
• Automatic Transition: You don’t need to take any action. The new rate will be applied automatically to your balance starting on the effective date.
• Continued Access: All other features of your account--- including online banking, fee structures, ATM access, among others--- remain the same.
• Guaranteed Growth: While the rate is adjusted, your interest will continue to be calculated daily and paid monthly (for checking accounts) or quarterly (for savings accounts), guaranteeing growth in your savings over time.
For any questions, reach out to us at our support hotline +632 8877-7222, email us at customercare@rcbc.com, or visit any RCBC Branch nationwide.