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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.

CTBC Bank

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About bank

CTBC Bank Philippines officially opened in 1998. It has one of the country's most extensive networks of foreign banks, with 25 branches located around the country. It actively provides financial services to both domestic and foreign businesses and is one of the market leaders in the personal loans industry in the Philippines.

Features

CTBC Bank (Philippines) Corp. was created in 1995 when the nation allowed foreign banks to enter. CTBC Bank (Philippines) Corp. distinguished itself in a fiercely competitive sector with a niche-based approach, highlighting efficiency, innovation, and client attention. They took strength from CTBC, its parent bank in Taiwan, and supplemented it with their local service and innovation brand.

In the Philippines, their marketing promise We are family has taken on fresh meaning while staying faithful to their parent bank's legacy. CTBC Bank (Philippines) Corp. has achieved this balance by focusing successfully on its target markets and cultivating active customer partnerships. The benefits can be seen in the bank's strong financial performance, innovative solutions, and responsive technology-enabled services. More significantly, it has manifested itself in their client's success with the bank on their side.

Pros and cons

Before deciding whether to use any of the bank's products or services, it is prudent to consider the following honest pros and drawbacks, which will assist in making sound judgments.

Pros

  • The bank offers various financial products and services for personal and commercial use.
  • The bank has a bank app, which facilitates access.
  • The bank's website is quite concise, but it is also very quick to navigate.
  • The bank offers excellent customer care representatives that are always willing to assist its clients.

Cons

  • The bank's Internet banking system is not very secure, as evidenced by recent security breach reports.
  • The bank's mobile app has a lower-than-average rating in Google Play and App Store.

Products

As previously indicated, the bank provides a wide range of financial products for both personal and commercial usage; some of them are listed below:

Loans

CTBC Bank provides a wide range of loan products, including:

  • My family home loan. This is a basic home financing program with low fixed interest rates. It offers a loan amount ranging from ₱500,000 to ₱50,000,000 and a loan term of up to 20 years.

  • Salary stretch loans for individuals and corporations:

    • Individual salary stretch loans from CTBC Bank are short-term or mid-term multi-purpose unsecured loans for salaried and self-employed persons. Post-Dated Checks are used to repay loans under this scheme.

    • The CTBC Bank salary stretch loan for business is a multi-purpose non-collateral personal loan available to approved business workers. Loan repayments under this program are made through payroll deduction.

  • SME business loan. The Small and Medium Enterprise (SME) loan program is a secured credit facility that meets the needs of entrepreneurs and company owners for business finance. The program offers short-term loans, revolving credit lines, and term loans. The loan amount ranges from ₱500,000 to ₱70,000,000. The loan duration ranges from 30 to 360 days, with a processing time of 21 working days.

  • Back-to-back loans. Back-to-back loans are accessible to existing savings and time deposit account holders to bridge financial gaps for personal and commercial purposes.

Deposits

Some of the bank's deposit accounts are described below:

  • Peso savings account. This is a regular/conventional savings account in pesos for individuals or business payroll accounts.
  • Peso checking account. This is a standard checking account that pays interest.
  • Ultimate earners checking account. This higher-yielding checking account offers clients tiered time deposit rates based on their ADB and number of withdrawals.
  • Peso time deposit. This is a peso-denominated normal time deposit account (also known as a deposited certificate or term deposit) that yields a greater interest rate than a regular savings account but is only maintained for a set period or until maturity.
  • Dollar savings account. This is a standard savings account in dollars for individuals or business payroll accounts.
  • Dollar time deposit. This is a dollar-denominated normal time deposit that earns a greater interest rate than a regular savings account but is only maintained for a certain period or until maturity.
  • Visa debit and ATM cards. The CTBC Bank Visa Debit & ATM Card is a convenient, multi-functional debit card that allows bill payment, fund transfer, balance inquiry, and ATM cash withdrawal at over 20,000 BancNet ATMs in the Philippines and over 2.7 million Visa-affiliated ATMs worldwide. These Debit Cards are linked to a Peso Savings or Peso Current Account.

Payment and remittance

The bank also offers payment and remittance services which is the transfer and payment of cash, either inward or outward.

CTBC Bank

Reviews

FAQ

What is CTBC Bank?

CTBC bank is one of the largest networks of international banks in the Philippines, actively providing financial services to both local and foreign businesses, and is a market leader in the personal loans industry in the country.

Who owns CTBC Bank?

CTBC Financial Holding owns CTBC Bank.

Is CTBC Bank a legitimate company?

Yes, CTBC Bank is regulated by the Bangko Sentral ng Pilipinas.

What is the maximum CTBC Bank salary stretch loan amount?

The CTBC Bank salary stretch loan maximum loanable amount is ₱1m

What are the requirements for a CTBC Bank salary stretch loan?

Applicants must be Filipino between the ages of 23 and 65 at the time of loan maturity. Must have a gross monthly income of ₱15,000 if a banker and ₱20,000 if not a banker, be with the present employer for six months, and have at least two years of experience in that area.

What is the longest CTBC Bank salary stretch loan term?

The longest CTBC Bank salary stretch loan term is 36 months.

Company documents

Privacy Statement
Security Statement
Security Tips
e-Banking Security
Terms of use

We are Family. We are Caring, Trustworthy, and Professional. We are CTBC Bank.

© CTBC Bank (Philippines) Corp.

Financial products

CTBC Bank
Back-to-Back Loan
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.

Recommended FinScore™
0
300
650
1000
from ₱100,000
CTBC Bank
Salary Stretch Loan
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.

Recommended FinScore™
0
300
650
1000
up to ₱1,000,000
CTBC Bank
My Family Home Loan
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.

Recommended FinScore™
0
300
650
1000
₱500,000 - ₱50,000,000
Term
i

Loan term for the financial product

up to 20 years
CTBC Bank
Dollar 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
Term
i

Loan term for the financial product

30 - 360 days
CTBC Bank
Dollar Savings Account
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.

from $500
Rate
i

Effective interest rate on the product

0.10% per year
CTBC Bank
Two and Three Year - 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.

from ₱500,000
CTBC Bank
Peso 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.

from ₱1,000
Term
i

Loan term for the financial product

30 - 360 days
CTBC Bank
My First Saves
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.

from ₱500
Rate
i

Effective interest rate on the product

0.125% per year
CTBC Bank
Peso Savings Account
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.

from ₱5,000
Rate
i

Effective interest rate on the product

0.125% per year
CTBC Bank
SME Business Loan
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.

Recommended FinScore™
0
300
650
1000
₱500,000 - ₱70,000,000
Term
i

Loan term for the financial product

up to 10 years
CTBC Bank
Peso 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.

from $1,000
Term
i

Loan term for the financial product

30 - 360 days
CTBC Bank
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.

from $1,000
Term
i

Loan term for the financial product

30 - 360 days
CTBC Bank
Dollar Savings Account
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.

from $500
Rate
i

Effective interest rate on the product

0.10% per year
CTBC Bank
Ultimate Earner Checking Account
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.

CTBC Bank
Peso Checking Account
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.

from ₱15,000
Rate
i

Effective interest rate on the product

0.125% per year
CTBC Bank
MySaves Cash Card
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.

CTBC Bank
SSS Visa Cash Card
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.

CTBC Bank
CTBC Bank Visa Debit & ATM Card
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.

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All CTBC Bank’s reviews by december 2022
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