For interest rates computation, click here.

For list of FAQs, click here.

Peso Savings Accounts
ITEMS
Personal (1)
Corporate (2)
Below Minimum ADB Fee PHP 500.00 PHP 750.00
Early Closure (w/in 30 Days) PHP 500.00 PHP 750.00
Replacement Fee for lost ATM card PHP 200.00 N/A
Replacement Fee for lost Passbook PHP 200.00 PHP 200.00
Interbank ATM Withdrawal Fee^ PHP 14.00 N/A
Interbank Funds Transfer (IBFT) Fee* PHP 27.50 N/A
Bank Certification Fee (Savings Account)^^ PHP 250.00 PHP 250.00
Bank Statement (Snapshot) Request Fee^^ PHP 50.00 PHP 50.00
Over-the-counter withdrawal for iSave PHP 50.00 N/A

 

(1) SA ATM, SA Passbook, Dragon, Super Earner, SSS Pensioners, Mapua Student ATM, all SA with SWAT facilities

(2) SA Passbook, Dragon, Super Earner

^Waived for Hexagon Club Debit Cards

^^Waived for Hexagon Club Members who present vouchers

FCDU Savings Accounts
 
Charge
  in US Dollar SA in Japanese Yen SA
Below Minimum ADB Fee USD 10.00 JPY 1,200.00
Replacement Fee for lost Passbook Equivalent to current Peso (PHP) Lost Passbook Fee Equivalent to current Peso (PHP) Lost Passbook Fee
Early Closure (w/in 30 Days) USD 5.50 JPY 650.00

 

Peso Current Accounts

 

Items
Personal (3)
Corporate (4)
Below Minimum ADB Fee PHP 500.00 PHP 750.00
Early Closure (w/in 30 Days) PHP 500.00 PHP 750.00
Interbank Funds Transfer (IBFT) Fee* PHP 27.50 PHP 1,000.00
Bank Certification Fee (Current Account)^^ PHP 250.00 PHP 250.00
Bank Statement (Snapshot) Request Fee^^ PHP 50.00 PHP 50.00
Regular Checkbook Charge^ PHP 250.00 PHP 500.00
Counter Check per piece ***** PHP 55.00 PHP 55.00
Check Retrieval - Regular (7 days) PHP 100.00 PHP 100.00
Check Retrieval - Special (3 days) PHP 600.00 PHP 600.00
Unclaimed SOA Warehousing Fee/month** PHP 50.00 PHP 50.00
Application Fee for SPO PHP 200.00 PHP 200.00
Temporary Over Draft  

Returned FUNDED Checks (SC only)

Service charge for each returned check

PHP 2,000.00 PHP 2,000.00

Returned UFUNDED Checks (SC + PC)

Service charge for each returned check

PHP 2,000.00 PHP 2,000.00
Penalty Charge varies per check

Honored Checks (SC + PC)***

Service charge for each returned check

PHP 1,000.00 PHP 1,000.00
Penalty Charge varies per check

Returned Unhonored Checks (SC + PC)***

Service charge for each returned check

PHP 2,200.00 PHP 2,200.00
Penalty Charge varies per check

 

(3) & (4) Reg CA, SVCA, Ca with Interest

*BancNet Fee

**Charged after 6th month of warehousing in the BC

***SC-Service Charge, PC-Penalty Charge, PC=Php 200/check/Php 40,000/day

****Charged on source account

*****Not Applicable for OneAccount

^Waived for Hexagon Club Members

^^Waived for Hexagon Club Members who present vouchers

MyDebit Mastercard

 

Items
CHARGE
via RCBC ATMs
Balance Inquiry Free
Cash Withdrawal Free
Fund Transfer from RCBC Account to RCBC MyWallet PHP 10.00
Fund Transfer from RCBC Account to RCBC Account Free

 

ITEMS CHARGE
via Bancnet ATMs
Balance Inquiry

Varies from

PHP 0.00-PHP 2.00

Cash Withdrawal

Varies from

PHP 10.00-PHP 18.00

Fund Transfer PHP 27.50

 

ITEMS CHARGE
via Mastercard ATMs
Balance Inquiry PHP 50.00
Cash Withdrawal PHP 150.00

 

ITEMS CHARGE
Other Processing Fees
Card Replacement PHP 200.00
POS International Service Fee 2%*

 

ITEMS CHARGE
Transaction Limits
ATM Cash Withdrawal  
Single Transaction PHP 20,000.00
Daily Transaction

PHP 50,000.00

(Effective July 12, 2021)

Interbank Fund Transfer PHP 50,000.00
Fund Transfer PHP 50,000.00
POS Purchase PHP 100,000.00
e-Commerce Purchase PHP 25,000.00

 

*% of the converted amount based on the prevailing foreign exchange rate of RCBC at the time of transaction. Fees, charges and transaction limits are subject to change.

MyWallet Visa

 

ITEM CHARGE
via RCBC ATMs
Balance Inquiry Free  
Cash Withdrawal Free  
Fund Transfer from RCBC MyWallet to RCBC MyWallet PHP 5.00
via Bacnet ATMs
Balance Inquiry 

Varies from

PHP 0.00-PHP 2.00

Cash Withdrawal

Varies from

PHP 10.00-PHP 18.00

Fund Transfer PHP 27.50
via VISA ATMs
Balance Inquiry 

PHP 50.00

Cash Withdrawal

PHP 150.00

Other Processing Fees
Visa Card Purchase Fee PHP 150.00
Inactivity Fee* PHP 200.00
Card Replacement PHP 150.00
Transaction Limits
ATM Cash Withdrawal  
Single Transaction PHP 20,000.00
Daily Transaction

PHP 50,000.00

(Effective July 12, 2021)

Interbank Fund Transfer PHP 50,000.00
Fund Transfer PHP 50,000.00
POS Purchase PHP 100,000.00
e-Commerce Purchase PHP 25,000.00

 

 


**Inactivity Fee will be applied on the last day of the 13th month and every month thereafter. Fees, charges and transaction limits are subject to change.
The value stored in RCBC MyWallet Visa is not a deposit account and is not insured by PDIC.

Other Services

 

ITEMS CHARGE
Manager's Check^^ PHP 75.00
Key Deposit Rates PHP 825.00
SDB Rental Fee depends on size
Credit Card Cash-Advance Fee 1.00% commission
Demand Draft USD 12.00
Domestic Remittances

Domestic Outward - InstaPay via RCBC Online Retail (ROR)

PHP 25.00

Domestic Outward - InstaPay via RCBC Online Corporate (ROC)

PHP 15.00

Domestic Outward - PesoNet via RCBC Online Corporate (ROC) or RCBC Online Retail (ROR)

PHP 10.00
Domestic Outward - RTGS (PHP) Commission PHP 200.00
Bank Fee (PHILPASS FEE)* 0.00001 x total value
Domestic Inward - RTGS (PHP) Fee PHP 200.00
Domestic Outward - PDDTS (USD) Commission USD 11.00
Domestic Outward - PDDTS (USD) Bank Fee USD 5.00
Domestic Inward - PDDTS Bank Fee USD 6.50
Domestic Outward - Pesonet (Peso) Commission PHP 45.00
Domestic Outward - Dollar Netting Commission USD 5.00
Domestic Inward - Dollar Netting Fee USD 6.50
Foreign Inward Remittances
SWIFT Inward Charges USD 10.00
Foreign Outward Remittances
SWIFT Outward Charges via OTC (over-the-counter) USD 10.00
SWIFT Outward Charges via RCBC Online Corporate (ROC) or RCBC Online Retail (ROR) USD 8.00
OUR Charge Type Fee (additional) USD 25.00
FX Check Deposit Charges
Check Deposit (FCDU)***** USD 5.00
CLS - Returned check USD 30.00
Final Credit Services**** (USD 5,000 and above) USD 35.00
FCS - Returned Checks**** USD 35.00
Collection Item (3rd Currencies) ** PHP 120.00
Over-the-Counter Transactions
Inter-Branch Peso Cash Withdrawal^ PHP 100.00
Inter-Branch Peso Check Encashment^ PHP 100.00
Inter-Regional Peso Cash Deposit^ PHP 100.00
Inter-Regional Peso Cash Withdrawal PHP 100.00
Inter-Regional Peso Check Encashment***** PHP 100.00
Inter-Branch USD Cash Withdrawal^ PHP 100.00
Inter-Regional USD Cash Withdrawal^ PHP 100.00

*PHILPASS fee varies in terms of amount. Incoming remittance intended for local banks- P100 commission

**Collection Items = Php100 for Commission + Php20 for postage; Charges are on top of the correspondent bank fees (varies); Subject to additional Doc Stamps Tax if proceeds are credited to Peso account (Php0.30 for every Php200)

***Varies for currencies other than USD

****FCS Charges = Corresponding Bank Fee + Commission

*****Per check

^Waived for Hexagon Club Members

^^Waived for Hexagon Club Members who present vouchers

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