Typical Filipino Depositor’s Bank Balance...

[ray_noel]

Maraming mayayaman na up to 500K lang ang deposito sa bangko pero napakarami namang bank account.

Dahil ba sa PDIC insurance limit? Kaya 500k lang kada account?

Edit:
Yah, i’ve back thread... per person hindi per account... lagot... hehhe

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[carwhacko]

Ngayon ko lang napansin na yung interest sa USD account ko pala because of the TRAIN law will be subject to 15% withholding tax na. Haha sobrang lugi pala.


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[sean-archer]

Dahil ba sa PDIC insurance limit? Kaya 500k lang kada account?

Edit:
Yah, i’ve back thread... per person hindi per account... lagot... hehhe

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Wtf. Is this true? Per person, not per account? Ano duration nun? Narerenew ba Yun or something?

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[mda]

Wtf. Is this true? Per person, not per account? Ano duration nun? Narerenew ba Yun or something?

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Per person, no duration/renewal, basta insured isang tao up to 500K per bank.

PDIC Website

"PDIC shall pay deposit insurance on all valid
deposits up to the Maximum Deposit Insurance
Coverage of Php500,000, per depositor, of a
closed bank"

[sean-archer]

Per person, no duration/renewal, basta insured isang tao up to 500K per bank.

PDIC Website

"PDIC shall pay deposit insurance on all valid
deposits up to the Maximum Deposit Insurance
Coverage of Php500,000, per depositor, of a
closed bank"

Ohh, per bank? Then that's a good thing. Dapat pala ikalat sa different banks ang pera?

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[mda]

Ohh, per bank? Then that's a good thing. Dapat pala ikalat sa different banks ang pera?

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Yes sir that is one thing you can do

Edit: I'd also like to note na dapat walang mali sa personal details when you sign up sa bank and everything.

May kakilala ako na technical pamilya nila dati because the names on their bank accounts didn't match up perfectly with their valid IDs and everything. Couldn't claim from the PDIC when the bank went belly up.

[_Cathy_]

Yes sir that is one thing you can do

Edit: I'd also like to note na dapat walang mali sa personal details when you sign up sa bank and everything.

May kakilala ako na technical pamilya nila dati because the names on their bank accounts didn't match up perfectly with their valid IDs and everything. Couldn't claim from the PDIC when the bank went belly up.

That's true. Mahigpit kami sa ganyan.

If all your IDs list Maria Luisa pero Ma Luisa ka lang sa system, you need to submit several documents pa.

[papi smith]

Messy yang kalat ang pera, you can simply keep your money in one of the big banks, the chances of them going belly up are slim. The only time nauso itong kalat pera was during the rural bank investing period, a time when they were doing double your money in 5 years. To be safe, people kept multiple accounts under several names to stay within the PDIC cover limit of 250k (which was eventually increased to 500k). But since this low interest regime, even the small banks reduced their special interest rates so it was no longer attractive to lock in your money for several years for a measly return. The banks are so awash with cash, that BMs don't bother to woo your money anymore.

When I was as young as Jut before, you wouldn't catch me putting more than 10k in a savings acoount, it had to be invested in time deposit of at least 8% net/annum. But Jut has no choice right now since TDs and SAs have almost the same yield.

Ohh, per bank? Then that's a good thing. Dapat pala ikalat sa different banks ang pera?

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[CVT]

Messy yang kalat ang pera, you can simply keep your money in one of the big banks, the chances of them going belly up are .

Same here, keeping them in only two major banks...

[MR_BIG18]

Same here, keeping them in only two major banks...

4 banks... 3 of those banks i have good credit standing thats why di ko ma ipa close, the other one, we have a SDB, all our valuables, important docs/titles are there, we dont keep anything at home..

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[ray_noel]

4 banks... 3 of those banks i have good credit standing thats why di ko ma ipa close, the other one, we have a SDB, all our valuables, important docs/titles are there, we dont keep anything at home..

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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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[MR_BIG18]

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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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, .pag may lakad ka at night just drop by there in the morning then balik mo the following day, we dont keep valuables at home, our old maid got hold of my keys to mothers house, tapos pina duplicate nya, when we go out let say to chuch, she'll drop by next door..di din napapansin ng maid ng mother ko coz the maids room is at the back, seperate sa the main house, our maid will just go through the front door un noticed, di lang nya nabuksan yung safe, pero inuunti unti nya yung ibang valuables..nahuli lang when money was missing from my mother's wallet, she told me that she couldnt have spent it coz gumawa pa nga sya ng deposit slip..

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[_Cathy_]

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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Depende sa size.

[ray_noel]

Thanks sa info. Sir and maam.... will definitely check available sdb sa place namin... para masafety din mga valuable things... [emoji106]


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[kagalingan]

mda is right, per person kaya there is only one customer account number kahit gaano pa karami accounts mo.

Paano kung sa iba iba branch ang account?

[_Cathy_]

Paano kung sa iba iba branch ang account?

Considered one lang yan.

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[kagalingan]

^
kahit iba iba account number?

[chronicle]

How about kung metrobank at psbank. O kaya bpi at bpi family bank. Consodered as separate account yon diba? Kahit na isa lang ang mother company nila.

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[_Cathy_]

How about kung metrobank at psbank. O kaya bpi at bpi family bank. Consodered as separate account yon diba? Kahit na isa lang ang mother company nila.

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Correct. Separate because different entities sila.

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[_Cathy_]

^
kahit iba iba account number?

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

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