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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.

PSBank

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About bank

It is a division of Metrobank, the Philippines' second-largest savings bank after BPI Family Savings Bank. PSBank is an affiliate of Metrobank and is linked with it. PSBank is also associated with Toyota Financial Services Philippines Corporation, which now has a 25% share.

PSBank began as a community bank on September 26, 1960, when it opened its doors to customers. Its headquarters were in Plaza Miranda, Quiapo, Manila, the country's commercial and economic hub. Its initial four offices were in Divisoria, Carriedo, Blumentritt, and C. M. Recto.

Features

The bank continues to provide some excellent financial products and services that make banking simpler, faster, and more convenient for its clients. The following are the main features:

  • Deposits. Deposits include savings accounts that allow you to save money while collecting interest, checking accounts that will enable you to facilitate transactions through their checking account alternatives effortlessly and time deposits that can assist you in reaching your financial objectives.
  • Loans. The lending choices include auto loans, which you can apply for and receive in as little as 24 hours, home loans, business loans, which can help you build and nurture your firm with simplicity, and personal loans, which provide additional cash for personal needs and are collateral-free.
  • Investment. Investments include the PSBank money market fund, which can let you start investing for as little as ₱10,000, the PSBank investment management, which can help you manage your Peso assets based on your financial needs, the PSBank escrow, and so on.
  • Insurance. The bank also features insurance services like the asset master, home security, health max, health start, standard PA, etc.

Pros and cons

The bank provides financial goods and services, each with its advantages and disadvantages. It is important to note these before using any of their products. Here are some honest pros and cons.

Pros

  1. The bank has a large variety of financial products and services, ranging from deposits to financing to insurance, etc.
  2. They also have an excellent online presence, meaning some banking services could be done online.
  3. They have some extra services to aid in banking, like their website-based loan calculators.

Cons

  1. The online presence does not really cover applying for their services. For example, you can not apply for a deposit account online.
  2. Their maximum loan payout is low. For instance, the personal loan maximum loanable amount is ₱250,000, which is below average.

Products

Some of the products offered by PSBank are:

  1. Personal loans. The PSBank Flexi personal loan is a secured personal loan with a revolving line of credit and a fixed-term loan. Revolving credit is a sort of credit that does not have a set amount of payments. The sum you can borrow reduces or increases based on how much you've repaid. A term loan requires you to make regular payments over a certain period of time.
  2. Savings accounts. The PSBank Savings accounts allow you to earn a set interest rate and manage your account at any time of day using PSBank, Metrobank, and BancNet ATMs countrywide and Mastercard ATMs abroad. You can also use BancNet's electronic payment capability to pay your energy and credit card bills and do cashless shopping.
  3. PSBank escrow. PSBank Trust, as an escrow agent, oversees and maintains the contract terms of interested stakeholders who need the assistance of an agent to keep specific items in escrow until either side or both parties meet the contract conditions.

Services

The bank has a range of banking services. Here are some of them:

  • E-banking. The PSBank online service has a new interface, improved mobile view, and an enhanced portfolio of intuitive and simple-to-use functionality. This further advancement enables you to experience hassle-free, secure banking and conveniently and securely do more financial activities while remaining home.
  • Remittance. You can transfer money to loved ones and clients outside the Philippines with the PSBank remittance service. They work with companies throughout Asia, Europe, the Mideast, and the Americas. They also collaborate with some of the world's largest and most reputable banks, like Wells Fargo, JP Morgan Chase, Metrobank New York, and Bank of New York.
  • Cards. The bank also has card services like the PSBank debit Mastercard, making it easier to buy and dine. You no longer need to wait in long lines at ATMs or carry large sums of cash with you.

PSBank

Reviews

FAQ

What is PSBank?

Philippine Savings Bank is a Philippine financial organization that offers savings and mortgage loans. The bank provides a variety of goods and services to the retail and consumer sectors, including deposit products, loans, treasury and trust activities.

Who owns PSBank?

Metrobank Group owns PSBank

What are the requirements to own a PSBank account?

Applicants must submit fully completed bank application forms as well as at least one valid / approved ID with a photo and signature.

Is PSBank a legitimate company?

PSBank is a legitimate institution because the Bangko Sentral ng Pilipinas oversee it.

What is the maximum PSBank personal loan amount?

The PSBank personal loan maximum loanable amount is ₱250,000.

What are the requirements for a PSBank personal loan?

The requirements for a PSBank personal loan are a completely filled-out PSBank personal loan application form, photocopy of any of the following identification cards: company ID, SSS, driver's license, passport or TIN, firearms license, an integrated bar of the Philippines, etc.

What is the most extended PSBank personal loan term?

The most extended PSBank personal loan term is 36 months.

Company documents

Privacy Policy
Rates

The country's consumer and retail bank of choice.

© Philippine Savings Bank

Financial products

PSBank
PSBank Credit Mastercard
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
PSBank
Flexi Personal Loan with Prime Rebate
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
₱20,000 - ₱250,000
Rate
i

Effective interest rate on the product

2.5% per month
Term
i

Loan term for the financial product

up to 36 months
PSBank
PSBank Auto Loan with Prime Rebate
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
from ₱100,000
Term
i

Loan term for the financial product

up to 60 months
PSBank
PSBank Home Construction 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-₱5,000,000
Term
i

Loan term for the financial product

up to 25 years
PSBank
PSBank Home Credit Line
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-₱5,000,000
Term
i

Loan term for the financial product

up to 25 years
PSBank
PSBank Home Loan with Prime Rebate
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
PSBank
Peso OFW ATM 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.

from ₱5,000
PSBank
USD passbook 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.

from $500
PSBank
Peso passbook 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.

from ₱10,000
PSBank
Peso personal ATM savings
Rating by Finanso®
i

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from ₱5,000
PSBank
Kiddie and teen 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.

from ₱2,000
PSBank
PSBank Domestic Bills Purchase Line
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
PSBank
PSBank Standby Credit Line Certification
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 ₱2,000,000
Rate
i

Effective interest rate on the product

1% per month
PSBank
PSBank SME Credit Line
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 ₱2,000,000
PSBank
PSBank SME Business Credit Line
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
from ₱2,000,000
PSBank
PSBank SME Term Loan with Prime Rebate
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
from ₱2,000,000
Term
i

Loan term for the financial product

up to 7 years
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All PSBank’s reviews by december 2022
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