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LandBank

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About the bank

LandBank is a government financial company that offers financial solutions to Filipinos. Land Bank offers products and services that help its customers meet their financial, educational, commercial, and agricultural needs

On August 8, 1963, the Agricultural Land Reform Code established the Land Bank of the Philippines to fund the acquisition and distribution of agricultural estates by small landowners and the purchase of landholdings by agrarian lessees. In 1973, Presidential Decree 251 reinvigorated the Land Bank to include lending to farming, commercial, residential, home renovations, and other productive businesses. Land Bank of the Philippines has expanded into one of the biggest financial institutions as more products have been added, with 678 branches, 2,810 ATMs, and 58 lending centers.

Pros and cons

Financial institutions offer different products to customers. When choosing a bank to save with, it is crucial to learn more about their products, terms, and conditions and choose one that suits you. Here is a list of the benefits and drawbacks of banking with the Land Bank of the Philippines.

Pros

  • It provides a wide range of products to the underserved areas, hence promoting economic growth and education.
  • The bank uses its profit to expand government facilities such as schools and health centers.
  • The digital system of banking enables customers to access services remotely.

Cons

  • Some products are accessible to customers from a given geographical area, limiting outsiders.
  • Some property comes with stringent conditions preventing owners from carrying out diverse, productive activities.

Products

Land Bank of the Philippines offers different products and services to its customers. They include the following:

Deposits

Land Bank offers some of the following accounts to its customers.

  • Savings account. Land Bank offers savings accounts like the ATM savings account, easy savings plus (ESP), high yield savings account (HYSA), and regular passbook savings account.
  • Current account. To open this account, you must also provide proof of identification or ownership. You can access current accounts like a current account with ATM access, peso EASY (Earning Access & Sure Yield) check, and peso EASY check with ATM access.
  • Regular peso time deposit. The account is open to customers aged seven and above with valid identification. A depositor can get interest on deposits at a predetermined rate for 30-360 days. To activate your account, you must make a minimum deposit of ₱1000. Market rates set time deposit interest rates, but a 20% withholding tax is applied to the money earned.
  • Dollar deposit account.These accounts are interest-bearing dollar savings accounts with a required monthly average daily balance (ADB) of $100. They include the easy dollar pension, US dollar time deposit, high yield US dollar time deposit, and US dollar savings account.

Loans

Customers can access the following loans from the Land Bank of the Philippines.

  • Agricultural loans for farmers. These loans for framers include Sulong Saka, agricultural credit support project, agricultural and fishers financing program, agricultural competitiveness enhancement fund (ACEF, ARISE-ARBs, DA Sikat saka, PALAY ng lalawiga, EPAHP, SWINE lending, Young entrepreneurs from school to agriculture program, and RAPID growth credit facility.
  • Agricultural loans for fishers. Fishers can access these credit facilities, agricultural credit support project, agricultural and fishers financing program, Pagsasakang pantubig, and financing program for commercial fishing vessel.
  • Housing and mortgage loan program. Eligible borrowers can apply for an easy home loan, developer's end-buyers financing tie-up, and the Bahay para sa bagong bayani (3B).
  • Business loans. These are funds made available to business owners or government organizations in credit programs like term loan facility,wWorking capital and liquidity support facilities, exporters production support facilities, farm tourism financing, OFW reintegration (OFW-RP), innovation and technology (I-TECH) lending, I-RESCUE LENDING, I-RESCUE BUS lending, SPEED PUV loan, PFI-ACCORD, lending program for former rebels, franchising lending, emerging FILIPINA lending, go green inclusive financing, BRIGHTNESS program, and OFW reintegration.

Services

  • Cards. Land Bank provides its customers with ATM savings accounts, cash cards, credit cards, EMV-enabled Visa debit cards, e-Cards, RFID (radio frequency identification card), and prepaid cards.
  • Treasury. Land Bank offers investment services to its customers from the government. They include government and corporate securities and Land Bank issues.
  • Trust banking. Land Bank offers trust funding services, including unit investment trust funds, investment management accounts, personal fund management, institutional trust services, and personal equity and retirement account - unit investment trust fund (PERA-UITF).

Landbank

FAQ

What is the Land Bank of the Philippines?

Land Bank of the Philippines is a universal financial corporation offering financial solutions and investment services to farmers, fishers, students, and businesses.

Who owns the Land Bank of the Philippines?

The Filipino government owns the Land Bank of the Philippines.

What is the average approval time for a Land Bank loan?

The processing time for a Land Bank loan is 1-10 banking days, depending on the type of loan.

How do you qualify for a Land Bank loan?

Land Bank has various loans, so the requirements vary. For example, ACADEME funding demands documentation of enrollment in a senior learning institution, whereas other loans require proof of identity and business registration or farm records.

Is Land Bank a legitimate bank?

Yes. Land Bank is a legitimate company owned by the Filipino government and regulated by Bangko Sentral ng Pilipinas.

What is the minimum loanable amount for a home loan?

The minimum amount you can qualify for a home loan is ₱500,000.

What is the longest home loan term?

The maximum ‌time you can pay off your mortgage is 20 years.

Company documents

Data Privacy Statement
Security Policy
Security Tips Link
Terms & Conditions

We provide accessible and best technology solutions to deliver timely and responsive financial and support services to meet the needs of our clients.

© Land Bank of the Philippines.

Financial products

LandBank
LANDBANK Agent Banking Card®
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Recommended FinScore™
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300
650
1000
₱100,000
LandBank
LANDBANK General Purpose Reloadable Card®
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Recommended FinScore™
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300
650
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₱100,000
LandBank
LANDBANK Gift Card®
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LandBank
LANDBANK Travel Card®
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Recommended FinScore™
0
300
650
1000
$10,000
LandBank
LANDBANK e-Card®
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LandBank
LANDBANK Cash Card®
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LandBank
LANDBANK Credit Card®
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Rate
i

Effective interest rate on the product

24%
LandBank
Easy Home Loan
Rating by Finanso®
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LandBank
OFW reintegration program
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
₱100,000 - ₱5,000,000
Rate
i

Effective interest rate on the product

7.5% per annum
Term
i

Loan term for the financial product

up to 7 years
LandBank
Power/Water/Utilities
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
up to 90% of the project cost
Term
i

Loan term for the financial product

up to 15 years
LandBank
General/small & medium enterprises
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
up to 80% of the actual need
Rate
i

Effective interest rate on the product

from 5%
Term
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Loan term for the financial product

up to 5 years
LandBank
High yield savings account (HYSA)
Rating by Finanso®
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₱1,000,000 minimum placement
Term
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Loan term for the financial product

30-360 days
LandBank
Peso E.A.S.Y. (Earning Access & Sure Yield) Check
Rating by Finanso®
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₱20,000 minimum deposit
LandBank
Current account with ATM access
Rating by Finanso®
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₱5,000 minimum initial deposit
LandBank
US 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.

$100 minimum initial deposit
Rate
i

Effective interest rate on the product

0.025% per annum
LandBank
Regular passbook 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.

₱10,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.05% per annum
LandBank
Easy savings plus (ESP) account
Rating by Finanso®
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₱20,000 minimum initial deposit
LandBank
ATM savings account
Rating by Finanso®
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₱500 minimum initial deposit
Rate
i

Effective interest rate on the product

0.05% per annum
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0.5% per annum
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