Typical Filipino Depositor’s Bank Balance...

[pobre24]

Yes. Lahat ng deposit, loan at credit card mo sa isang bank under 1 customer account.

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I worked for a bank and this is how it works. PDIC insures per depositor/s. Depositor/s is based on the account name. Here are examples:

Assumptions:
D1 = you
All in one bank
PDIC insured products only

Scenario 1:

D1, 1st account, BDO = 300k
D1, 2nd account, BDO = 300k
PDIC covered = 500k
Uninsured= 100k

Scenario 2:

D1, BDO = 500k
D1 and/or D2, BDO = 500k
D1 and/or D3, BDO = 500k
PDIC Covered for D1= 500k (solo account), 250k (joint with D2*), 250k (joint with D3**) = 1M
* Other half will be received by D2
** other half will be received by D3

Hope this helps.

[papi smith]

You need to be a preferred client to be given an sdb di ba?

2100/year shoebox size, i think they have 1200 also, kasya roll up docs like titles, yes pwede jewerly, if makakakita ka ng SDB sa mall near you mas ok, .

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[mda]

You need to be a preferred client to be given an sdb di ba?

No, pero pag nag aagawan na kayo sa SDB boxes, syempre preference is given to someone with bigger deposits.

[MR_BIG18]

You need to be a preferred client to be given an sdb di ba?

Not really, just open an acctn..auto debit nalang nila..or kasi i already have an existing acctn..paki tanong nalang

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[_Cathy_]

No, pero pag nag aagawan na kayo sa SDB boxes, syempre preference is given to someone with bigger deposits.

In our bank it's for premier clients only (maintaining balance of at least Php4M)

5x5x24 Php1,800.00 per year
3x10x24 Php2,000.00 per year.

Key deposit of Php2,500.00, refundable when you close your SDB and surrender the key

[XTO]

Sir, if you dont mind, how much annually bayad sa sdb po? Aside sa important docs pwede po ba gold jewerly ilagay? Same charge lang din?


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Very minimal.... can't remember. Docs and jewelries okay even cash pwede. kahit ano lagay mo na kasya sa mahabang butas na yun. Solo ka dun once na open na ng 2 keys (isa sa yo isa sa bank rep).

Re PDIC insurance per acct. kaya ginagawa have it named after your kids, siblings.....

No worries naman if malalaking bangko. Pag inisip mo yun baka magkasakit ka pa

[papi smith]

Ano ang bank nyo? I initially thought you were with DB, but DB doesn't do trad banking services di ba.

In our bank it's for premier clients only (maintaining balance of at least Php4M)

5x5x24 Php1,800.00 per year
3x10x24 Php2,000.00 per year.

Key deposit of Php2,500.00, refundable when you close your SDB and surrender the key

[_Cathy_]

Ano ang bank nyo? I initially thought you were with DB, but DB doesn't do trad banking services di ba.

Secret.

German boss doesn't necessarily mean German bank [emoji14] But you are correct, DB doesn't have retail banking in PH. Dati meron buy they exited over 10 years ago and it was only for HNW clients.

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[ray_noel]

I worked for a bank and this is how it works. PDIC insures per depositor/s. Depositor/s is based on the account name. Here are examples:

Assumptions:
D1 = you
All in one bank
PDIC insured products only

Scenario 1:

D1, 1st account, BDO = 300k
D1, 2nd account, BDO = 300k
PDIC covered = 500k
Uninsured= 100k

Scenario 2:

D1, BDO = 500k
D1 and/or D2, BDO = 500k
D1 and/or D3, BDO = 500k
PDIC Covered for D1= 500k (solo account), 250k (joint with D2*), 250k (joint with D3**) = 1M
* Other half will be received by D2
** other half will be received by D3

Hope this helps.

So you’re from BDO, huh?! Joke hehe.

Kung sigurista talaga yung depositor, so if you plan to have a joint account better sa ibang bank kung saan wala kang account? Para makuha mo buo ang 500k na insurance just in case mag nonose dive ang psei at mag papanic ang mga depositor...[emoji16]

In your case, if gusto buo matatanggap

D1 and D2 BPI = 500k (joint)
D1 and D3 Metrobank = 500k (joint)

Tama po bah?







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[shadow]

On another topic. Effective ba talaga ang bank secrecy law? Kung meron lumabas na Info about the account and without court order. It can never be used against the account holder Diba?


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