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RCBC account

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How to register an account?

With RCBC Online Banking, you can access your RCBC Accounts from any Internet-connected device and may conduct financial activities online whenever you want. All your accounts, except corporate and JOINT-AND accounts, can be enrolled in RCBC Online Banking.

With RCBC online banking services, you can enjoy services like paying bills, transferring funds, enhanced security that requires device registration, and biometrics login to ensure that your accounts can only be accessed through your own devices, order checkbook, or even deposit cheques online.

To register for RCBC online banking, follow these steps:

  1. Visit the RCBC website and click on Login

  2. Select whether it's a personal or corporate account.

  3. On the login page, scroll down until you find Sign Up Now! Click on it.

  4. If you do not have an RCBC account, click on Get Started.

  5. On the next screen, click Let's Get Started.

  6. Read and accept the Terms and Conditions, then click Continue.

  7. Tap Continue again after reading and accepting the client's acknowledgments.

  8. Provide your phone number and email address. Click Continue.

  9. You will be emailed a one-time password (OTP) to authenticate your mobile number. Click the Continue button and input your username and password

  10. Click on the Create Account button.

How to restore access to RCBC online banking?

If you have lost access to your RCBC online banking account, you can visit any RCBC branch to request User ID retrieval. Your User ID will be sent to your registered email address. If you have forgotten your password, you can still go to the branch and have it reset. You can also call RCBC Customer Care at +632 8877-7222.

Additionally, you can reset it using online banking as follows. First, visit the RCBC website. Then, select Login on the RCBC Online Banking login page. Tap on Forgot password. Proceed to choose between a personal or a corporate account type. Then you will be prompted to enter your User ID. Finally, RCBC will grant you access and send the updated information to your registered email.

How to delete an account on RCBC online banking

An RCBC online account can only be deleted at the branch of your choice. Before your account can be deleted, other factors are involved that the bank's customer care needs to confirm. They involve whether you have any pending loans or transactions or if your account is linked to other products like a credit card. You also need to confirm that you understand that deleting your account will lead to you not having access to any RCBC online banking service. After you confirm all these, you will receive a questionnaire. You will be informed that your account has been deleted later on via email.

RCBC Online Banking

FAQ

Who can enroll in RCBC?

RCBC offers banking services to individuals and companies. 

How do I enroll in RCBC?

You need to visit the RCBC website and Click on Log in. Then select whether it's a personal or corporate account. Scroll down the login page until you see Sign Up Now, then click on it. Click Enroll Account if you do have an RCBC account. After entering your 16- or 10-digit account number, read and accept the terms and conditions. You will receive an OTP on your mobile device. Create User IDs and Passwords, then click Submit to Login after the OTP has been given.

How do I use the biometric login?

After you've logged into your account, a prompt will ask you if you want to use biometrics for your subsequent login. Because of biometrics, you will now be able to log in without having to enter your User ID or password each time. On the login page, all you have to do is tap the fingerprint or face logo. Your biometrics will be used to verify your identity, and the login process will be instant. Additionally, you can enable and disable biometrics through Settings. 

Is sending cash the same thing as a fund transfer?

No. Sending money via a fund transfer allows you to send it to banks, while sending cash allows you to send money for the recipient to claim in person, acting as a remittance. 

What are the send cash transaction's minimum and maximum amounts?

The lowest amount is ₱100, while the maximum amount per transaction is ₱5,000, and the amount must be divisible by 100. 

Who are RCBC's remittance partners?

Remittance partners of RCBC include M Lhuillier, Bayad Center Remittance Cash Pick-up branches, and LBC Payments and Remittance Centers. 

Can I still cancel my scheduled bill payment transaction?

Yes. You can change your planned online bill payment 24 hours before the designated payment date. 

How can I check the status of my bill payment?

You can track your bill payment status by clicking on Login on the RCBC website. Then click on Bills payment and choose Payment Status Inquiry

Financial products

RCBC
Auto 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™
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300
650
1000
from ₱300,000
Rate
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Effective interest rate on the product

5.57% APR
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12 to 60 months
RCBC
RCBC Home Loans
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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™
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300
650
1000
from ₱300,000
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i

Effective interest rate on the product

6.38% APR
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Loan term for the financial product

up to 20 years
RCBC
Corporate Dragon Dollar 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.

₱50,000 minimum initial deposit
RCBC
Corporate Dragon Peso 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.

₱50,000 minimum initial investment
RCBC
Corporate Regular Saving
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.

₱10,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.15% per annum
RCBC
Corporate salary loans
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
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₱20,000-₱1,000,000
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Loan term for the financial product

up to 60 months
RCBC
Corporate loans
Rating by Finanso®
i

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Recommended FinScore™
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300
650
1000
RCBC
Corporate 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.

₱50,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.15%-0.400% per annun
RCBC
RCBC Personal 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
₱50,000 - ₱1,000,000
Rate
i

Effective interest rate on the product

1.3%
Term
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Loan term for the financial product

up to 36 months

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Effective interest rate on the product

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0.25% per annum
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from ₱1,000
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up to 0.375% per annum
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4
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All RCBC’s reviews by december 2022
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