Promo Mechanics:
1. The CTBC Bank “SME Deposit Boost" Promo runs from March 1 to August 28, 2026, and is open to new* and existing Small and Medium-sized Enterprise (SME) accounts (“Accountholder”) tagged under the Bank’s Retail Banking Group.
2. To qualify, the new* and existing Accountholder must meet all the following conditions within the Promo period:
- Has an existing Corporate Peso Savings or Checking Account (excluding Ultimate Earner, and Peso Savings or Checking Accounts with interest rates above 0.125%) or opens a qualified account;
- Has an existing Cash Management Services or avails one during the Promo period. Refer to item #3;
- Does not have an existing corporate/business loan with the Bank;
- Makes incremental deposits (fresh funds**) totaling to at least ₱100,000.00, either into a single qualified account or across multiple qualified accounts;
- Maintains a total Month-to-Date Average Daily Balance (MTD ADB) of at least ₱100,000.00 across any or all qualified accounts for six (6) consecutive months from the date of deposit;
- Has a record of an active email address; and
- Submits the duly signed Enrollment Form to the branch of account prior to making the initial or first qualifying deposit.
3. The Accountholder should have or avail any of the following CTBC Bank’s Cash Management Services:
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4. The Accountholder will receive a cash reward which will be credited to the nominated corporate deposit account one (1) month after receipt of the duly signed Enrollment Form. The computation of the cash reward is based on the Accountholder’s committed incremental MTD ADB maintained for six (6) consecutive months, as shown below:
| Committed Incremental MTD ADB (PhP) | Cash Reward (PhP) |
|---|---|
| 100,000.00 - 500,000.00 | 450.00 |
| 500,000.01 - 1,000,000.00 | 4,500.00 |
| 1,000,000.01 - 5,000,000.00 | 9,500.00 |
| 5,000,000.01 - 10,000,000.00 | 52,500.00 |
| 10,000,000.01 – 15,000,000.00 | 112,500.00 |
| 15,000,000.01 – 20,000,000.00 | 170,250.00 |
| 20,000,000.01 – 30,000,000.00 | 230,000.00 |
| 30,000,000.01 and up | 352,500.00 |
5. The total MTD ADB of all qualified deposit account/s shall be considered in the computation. As reference, the MTD ADB per qualified account will be computed by adding up the daily end-of-day balances for the month starting from Day 1 divided by the number of days of the same month:
6. For existing qualified Accountholders, the baseline for deposit growth will be the Average Daily Balance (ADB) for the last nine (9) months prior to the enrollment month. Any deposits made on top of the baseline during the Promo period will be considered as incremental deposit.
7. CTBC Bank will send an email via [email protected] to Accountholders confirming the successful enrollment and crediting of the cash reward to their nominated corporate deposit account.
8. The cash reward will be placed on hold and cannot be withdrawn or used by the Accountholder. This will also be excluded from the interest computation until the cash reward has been lifted.
9. The cash reward will only be released after six (6) months from the enrollment date, provided that all conditions stated in item #2 have been met.
10. The cash reward is non-transferable.
11. The expanded withholding tax will be shouldered by CTBC Bank Philippines.
12. The Bank reserves the right to validate deposits and disqualify Accountholders who do not meet the Promo requirements or are found to have committed fraud.
13. The Accountholder agrees that the Bank may debit the equivalent amount of cash reward from its nominated CTBC Bank Corporate Peso Savings or Checking Account, if found not to be entitled to the cash credit under the Promo’s Terms and Conditions. Furthermore, if the account balance is insufficient, the Accountholder agrees that the outstanding amount shall remain payable by the business entity.
14. The Bank will strictly observe the “Terms and Conditions Governing Deposit Accounts and Use of ATM Facility” as confirmed by the Accountholder during account opening or prior to making the initial incremental deposit.
15. Employees of CTBC Bank Philippines and their relatives up to the second degree of consanguinity or affinity are disqualified from joining the Promo.
16. This Promo cannot be combined with other existing CTBC Bank Philippines’ Deposit Promos. In case of dispute, the decision of CTBC Bank Philippines, in agreement with DTI, shall be final.
17. For inquiries, please contact your branch of account or our Customer Care Unit at 8840-1234 (Metro Manila); 1-800-10-8401234 (Toll-Free from other provinces through PLDT); [email protected].
*New Small and Medium-sized Enterprise (SME) accounts – Business entities that do not have an existing CTBC Bank Corporate Peso Savings and/or Checking Deposit account at present or within the past twelve (12) months.
**Fresh funds – Deposits not originating from another CTBC Bank account.
***Number of days in a month
Deposits are insured by PDIC up to ₱1 Million per depositor.
