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China Bank

Advertiser Disclosure

About bank

China Banking Corporation (CHIB) was founded on July 20, 1920, and commenced operations on August 16, the same year as the Philippines' first privately-owned local commercial bank. By 1927, CHIB had been listed on the local stock exchange and obtained its universal banking license in 1991. CHIB was founded primarily for the Chinese-Filipino commercial sector but has since extended its offering to the retail and consumer segments.

Its core businesses include corporate and SME lending, consumer loans, including mortgages and auto loans, treasury and foreign exchange trading, trust, and asset management, investment banking and advisory services, wealth management, cash management, and insurance products through China Bank Insurance Brokers, Inc. and Manulife China Bank Life Assurance Corporation, Internet banking and mobile banking services, and remit.

Features

China Bank is one of the Philippines' leading private universal banks. Through their subsidiaries, they offer a wide range of banking products and services to institutions (corporate, middle market/commercial, SMEs) and individual customers (retail, mass affluent, high net worth).

China Bank understands how entrepreneurs and business people do business well. Although they continue to develop deep multigenerational relationships with the Chinese-Filipino community, they have since broadened the scope of their products and services to cover all market segments as they look for ways to create better value in the future.

China Bank is a member of the SM Group, one of the Philippines' largest conglomerates, and is listed on the Philippine Stock Exchange (PSE).

Pros and cons

China Bank offers a variety of services and products, but just like any other financial institution, it has its merits and disadvantages, which are explained below.

Pros

  • You can deposit your valuables safely with China Bank without being concerned about theft.
  • They provide access to several loans with flexible requirements.
  • They play the role of lenders by providing a sizable quantity of capital to various economic sectors, such as small enterprises, increasing employment rates and purchasing power.

Cons

  • Through online banking, you can do various banking transactions with the touch of a button, which makes it far more straightforward for someone else to access your information.
  • There is a wide range of fees.

Products

China Bank offers a good range of products and services, including but not limited to:

Deposits

  • Peso accounts. Simple Peso deposit accounts for your everyday banking demands.
  • Foreign currency accounts. You may manage and increase your US dollar, euro, yuan, and yen assets with the help of these China Bank accounts, whether for savings, business/trade, or remittances.

Credit cards

Credit cards offered by the bank include the World, Cash Reward, Platinum, Freedom, and Prime Mastercards.

Properties for sale

  • Metro Manila real estate. You can search through a list of real estate properties throughout Metro Manila.
  • Provincial real estate. You can search through a list of real estate properties throughout the Philippines.
  • Vehicle. You can search for a pre-owned car that suits your taste and bid for it from the website.

Loans

  • HomePlus loans. Building or purchasing your very own house is made more straightforward and more inexpensive with China Bank HomePlus.
  • AutoPlus loans. This is a good car loan service offered by the bank.
  • SalaryPlus loans. A personal emergency loan for employed and self-employed Filipinos.
  • Commercial lending. A loan for small business owners could be long-term or short-term.

Business banking

This product includes cash management services and international banking.

Trust products and services

This includes the following:

  • Unit investment trust funds (UITFs).
  • Wealth management.
  • Corporate trust.
  • Escrow services.

Remittance

The remittance services offered by China Bank include:

  • Money transfer.
  • Overseas kababayan services.
  • Remittance status inquiry.

E-banking

The online banking services offered by China Bank include:

  • China Bank online.
  • China Bank teller cards.
  • China Bank Tellerphone.

Other services

Other services include:

  1. Branch-based services:
    • Government payments.
    • Gift check.
    • Safety deposit boxes.
    • SSS pension credit.
    • Night depository.
  2. Insurance.
  3. Life insurance.
  4. Non-Life Insurance.
  5. Stock brokerage.

chinabank

FAQ

What is the China Bank?

CHIB is a Philippines-based commercial bank that offers some banking segments, including lending business, retail banking business, financial markets, and investments, amongst others.

Who owns the China bank?

Dee C. Chuan spearheaded the establishment of CHIB together with a group of successful Chinese-Filipino businessmen. Hans T. Sy is the chairman, Gilbert U. Dee is the vice Chairman, and William C. Whang is the President and CEO. 

Is China Bank a legitimate bank?

Yes, China Bank is a legitimate company regulated by Bangko Sentral ng Pilipinas.

Company documents

Terms & Conditions
Privacy Policy

We will be a leading provider of quality services consistently delivered to institutions, entrepreneurs, and individuals here and abroad, to meet their financial needs and exceed their rising expectations.

© China Banking Corporation

Financial products

China Bank
China Bank SalaryPlus
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Recommended FinScore™
0
300
650
1000
₱15,000 - ₱1,000,000
Term
i

Loan term for the financial product

up to 36 months
China Bank
China Bank AutoPlus
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
up to ₱5,000,000
China Bank
China Bank HomePlus
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
up to 80% of home price
Term
i

Loan term for the financial product

up to 25 years
China Bank
Commercial Lending
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
₱100,000 - ₱20,000,000
China Bank
Special US Dollar Time Deposit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$50,000 minimum initial deposit
Rate
i

Effective interest rate on the product

fixed interest rate for the entire term
Term
i

Loan term for the financial product

from 3 years
China Bank
Foreign Currency Time Deposit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$1,000 or €1,500 minimum initial deposit
Rate
i

Effective interest rate on the product

0.6250% - 2% for USD, 0% for Euro per year
Term
i

Loan term for the financial product

30 - 360 days
China Bank
Foreign Currency Savings
Rating by Finanso®
i

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$500 minimum initial deposit
Rate
i

Effective interest rate on the product

0.050% per year
China Bank
Diamond Savings
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.5% - 2.25% per year
China Bank
Regular Time Deposit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0% - 2% per year
Term
i

Loan term for the financial product

90 - 360 days
China Bank
MoneyPlus Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱20,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
Passbook Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
ChinaCheck Plus
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
Special US Dollar Time Deposit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$50,000 minimum initial deposit
Rate
i

Effective interest rate on the product

fixed interest rate for the entire term
Term
i

Loan term for the financial product

from 3 years
China Bank
Foreign Currency Time Deposit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$1,000 or €1,500 minimum initial deposit
Rate
i

Effective interest rate on the product

0.6250% - 2% for USD, 0% for Euro per year
Term
i

Loan term for the financial product

30 - 360 days
China Bank
Premium Savings Account
Rating by Finanso®
i

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$1,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.050% per year
China Bank
Overseas Kababayan Savings - USD
Rating by Finanso®
i

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$10 minimum initial deposit
Rate
i

Effective interest rate on the product

0.050% per year
China Bank
Foreign Currency Savings
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$500, €1,000, 2,500 Chinese Yuan, 50,000 Japanese Yen
Rate
i

Effective interest rate on the product

0.050% for USD, 0.025% for Euro, 0.080% for Chinese Yuan, 0% for Japanese Yen
China Bank
Money Lift Plus
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱50,000 minimum initial deposit
Term
i

Loan term for the financial product

5 years and 1 day
China Bank
Diamond Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.5% - 2.25% per year
Term
i

Loan term for the financial product

30 - 360 days
China Bank
Regular Time Deposit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0% - 2% per year
Term
i

Loan term for the financial product

90 - 360 days
China Bank
Young Savers
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱100 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
Passbook Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
Overseas Kababayan Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

waived minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
MoneyPlus Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱20,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
ChinaCheck Plus
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
ATM Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱2,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.125% per year
China Bank
China Bank Prime Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
China Bank
China Bank Freedom Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
China Bank
China Bank Platinum Mastercard®
Rating by Finanso®
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Recommended FinScore™
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650
1000
China Bank
China Bank Cash Rewards Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
China Bank
China Bank World Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
All products

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650
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Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
$10,000
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