BPI Time Deposit Interest Rates

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Bank of the Philippine Islands (BPI) is one of the Philippine banks that offers the best interest rates in the Philippines for time deposit. In order to compute for the interest that you will gain for time deposit, just use the equation below.

Interest Gain = (Principal Amount X Time Deposit Interest Rate X No. of Days) divided by 365

For example,

Interest Gain = (50,000 x 0.0175 x 35) / 365

Interest Gain = 83.90

So for P50,000 invested in time deposit with an interest rate of 1.75% and 35 days holding period, you will profit P85.

In order to increase your net gain in time deposit, you need to increase these two factors: Principal amount invested and holding period.

You can see below the time deposit interest rates for BPI as of July 2010.

Regular Time Deposit (Peso)

BPI

Amount 35
Days
63
Days
91
Days
182
Days
364
Days
1K to less than 10K 2.000 2.250 2.250
10K to less than 50K 1.750 1.750 2.125 2.375 2.375
50K to less than 100K 2.000 2.000 2.250 2.500 2.500
100K to less than 500K 2.125 2.125 2.375 2.625 2.625
500K to less than 1 MM 2.250 2.250 2.500 2.750 2.750
1 MM to less than 5 MM 2.375 2.375 2.625 2.875 2.875
5 MM and up 2.500 2.500 2.750 3.000 3.000

BPI Family Savings Bank

Amount 35
Days
63
Days
91
Days
182
Days
364
Days
1K to less than 10K 2.500 2.750 2.750
10K to less than 50K 2.250 2.375 2.625 2.875 2.875
50K to less than 100K 2.500 2.500 2.750 3.000 3.000
100K to less than 500K 2.625 2.625 2.875 3.125 3.125
500K to less than 1 MM 2.750 2.750 3.000 3.250 3.250
1 MM to less than 5 MM 2.875 2.875 3.125 3.375 3.375
5 MM and up 3.000 3.000 3.250 3.500 3.500

BPI Direct Savings Bank

Peso TD 35
Days
63
Days
91
Days
1K to less than 10K 2.500
10K to less than 50K 2.250 2.375 2.625
50K to less than 100K 2.500 2.500 2.750
100K to less than 500K 2.625 2.625 2.875
500K to less than 1 MM 2.750 2.750 3.000
1 MM to less than 5 MM 2.875 2.875 3.125
5 MM and up 3.000 3.000 3.250

US Dollar Time Deposit Rates

BPI / BPI Family Savings Bank

Amount 35
Days
63
Days
91
Days
182
Days
364
Days
1K to less than 50K 0.2500 0.2500 0.2500 0.2500 0.2500
50K to less than 100K 0.3750 0.3750 0.3750 0.3750 0.3750
100K and above 0.5000 0.5000 0.5000 0.5000 0.5000

Do you want to open a BPI savings account? You can visit the link below to know procedures and requirements in opening a BPI savings account.


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22 thoughts on “BPI Time Deposit Interest Rates

  • July 23, 2013 at 14:15
    Permalink

    Pleas give me the correct computation for 35 days holding period amounted 300K and roll over for two years continuously, how much does i earne after two years.

    Thanks,

    Lito

  • November 5, 2012 at 11:31
    Permalink

    i want to ask if i can reactivate my atm savings account which is ineffective at this moment. thank you.

    • November 7, 2012 at 11:51
      Permalink

      Hi Jesse,

      Normally, banks don’t allow reactivation especially accounts which have been inactive or closed for a long time.

  • October 7, 2011 at 10:19
    Permalink

    thank you. this is useful information

  • July 19, 2011 at 06:30
    Permalink

    To Shawn;
    3% is for annual interest, in fact all figure shown by any bank in terms of time deposit rates are all annual rates. So, 500,000 x .03/12 x .80 = 1000 every 30 days.

  • May 30, 2011 at 18:41
    Permalink

    @shawn are you serious 500k wont give you 12k itll give you less than 2k so better have a business or work!!!

  • May 15, 2011 at 09:14
    Permalink

    Ahhh..Maliit lan pla. I finally get it.Thank you!
    http://www.pinoymoneytalk.com/calculate-time-deposit-interest/#disqus_thread

  • May 14, 2011 at 14:47
    Permalink

    Good Day Gil!! I want to ask a favor.I want to invest my 500,000 pesos in an TD account in PSBank.Last time I checked,they offer 3.000% for 30days.

    so my computation:

    500,000 x 3.000% = 15,000 pesos
    - 20% tax
    = 12,000 pesos every 30 days

    Is this Correct?..I don’t want to do the long calculation since I’m into the 30day-maturity.

    I will have 12,000 pesos every month?..correct me if I’m wrong.

    Thank you for your response 🙂

  • April 20, 2011 at 19:45
    Permalink

    Thanks Gil for the reply. I hope you won’t mind me shooting another question:)

    So in the example above, the P85 profit is the clean amount you can earn from your TD, as in if you’d like to withdraw that amount you can get it as P85?

    Thanks again for any help.

    Regards

  • April 18, 2011 at 03:23
    Permalink

    Hi Gil. Thanks for being helpful. I have a question about time deposit; so if for example I’d like to open one for 100K, can you please provide a sample computation for it? I did my own but given that I don’t trust my math skills, I’d like to confirm it with you if I’m right:)

    Thanks for any help.

  • April 14, 2011 at 07:12
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    Are the rates shown above stay the same as of 2011 2nd quarter? Thanks.

  • April 13, 2011 at 12:31
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    So that P83.90 from your computation is the interest gain overall? Or is it monthly interest gain? Thanks.

    • April 13, 2011 at 22:56
      Permalink

      It is annual gain. It is based on assumption but TD has really low gain unless you have millions in TD.

  • January 26, 2011 at 12:28
    Permalink

    gil ask ko lang pano ba mag invest sa mutual funds at ano ang maganda pano sumali at requirements nila magkano din ang required salamat po

  • January 25, 2011 at 12:06
    Permalink

    hi,paano po mg apply ng time deposit?but mayron na po akong saving account,paano po ba?thanks…

    • January 26, 2011 at 12:06
      Permalink

      Hi Nina,
      Just go to your branch and ask the teller you want to invest in time deposit.

  • January 24, 2011 at 08:37
    Permalink

    hi,
    im planning to open a savings account and wanted also to try time deposit. i can’t decide it it will be BPI or BPI family bank. can u tell me the advantage of opening an account in BPI family bank over BPI.
    thank you!

    • January 24, 2011 at 12:53
      Permalink

      Hi Reaze,

      I think BPI Family has lower initial deposit than BPI but the services are the same.

  • November 18, 2010 at 18:31
    Permalink

    Whats the difference with BPI & BPI Direct Savings? I have a BPI savings acct, I want to try time deposit thru bpiexpress online, which from table will i get the rate?
    Thanks

    • November 19, 2010 at 13:11
      Permalink

      Hi,

      BPI Direct is a subsidiary of BPI. If you have BPI savins account, you should look at BPI table.

Comments are closed.