Rates
| Account Type | Interest Rate1 |
|---|---|
Savings | Balances from ₱0 to 400,000 - 4.00% p.a. Balances in excess of ₱400,000 (or from ₱400,000.01) and above - 3% p.a. |
1 Subject to SeaBank’s Terms of Service.
Fees
| Fee Type | Amount2 |
|---|---|
Transfer to SeaBank accounts | Free |
Transfer to other banks/e-wallets via InstaPay and PESONet | Up to 15 free transfers per week. ₱15 processing fee for each additional transfer. |
Deposit via Linked Accounts | Up to 3 free cash-ins per week. ₱8 processing fee for each additional cash-in |
Bills Payment | Fees vary depending on the biller |
Linked Shopee Account Payment | Free |
2 Fees may change according to the Bank’s internal policies and/or external regulations
Debit Card Fees
| Fee Type | Amount2 |
|---|---|
Local Merchant Payments | Free |
Foreign Currency Mark-up | Starting March 4, 2025, 2% DCC fee will be charged for all overseas online transactions only. (Foreign currency transactions)
Does not apply to local transactions and overseas in-store transactions. |
Dynamic Currency Conversion (DCC) Fee | Starting March 4, 2025, 2% DCC fee will be charged for all overseas online transactions only. (PHP transactions)
Does not apply to local transactions and overseas in-store transactions. |
Virtual Card Issuance Fee | Free |
Physical Card Issuance Fee | ₱160 |
Dispute and Chargeback Service Fee | ₱250 |
Local ATM Cash Withdrawal | ₱15
Note: In the event that your partner ATM has a separate access fee, only the access fee will apply. |
International ATM Cash Withdrawal | ₱100
Note: Your partner ATM may charge a separate access fee in addition to the ₱100 fee. |
Local ATM Balance Inquiry | ₱5 |
International ATM Balance Inquiry | ₱50 |
Transaction Limits
| Transfer Type | Min Amount | Max Amount (Per Transaction) | Max Amount (Daily)3,4 |
|---|---|---|---|
Transfer to SeaBank accounts | ₱1 | ₱500,000 | ₱500,000 |
Transfer to other banks/e-wallets via InstaPay | ₱1 | ₱50,000 | ₱500,000 |
Transfer to other banks/e-wallets via PESONet | ₱1 | ₱500,000 | ₱500,000 |
Linked Shopee Account Payment
| ₱1 | ₱100,000 | ₱100,000 |
Online E-commerce Payment | ₱1 | ₱400,000 | ₱400,000 |
Point-of-Sale (POS) Payment | ₱1 | ₱200,000 | ₱200,000 |
ATM Withdrawal | Varies5 | Varies5 | ₱100,000
up to 15 withdrawals per day |
3 All outgoing transfers count towards the Daily Transaction Limit
4 No limits for Incoming Transfers
5Minimum and Maximum ATM Withdrawal amounts may vary depending on the Mastercard ATM
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Deposits are insured by the PDIC for up to PHP 1,000,000 per depositor. For any questions, please call SeaBank's Customer Service Hotline at (+632) 8424 8050. SeaBank Philippines Inc. (A Rural Bank) is regulated by the Bangko Sentral ng Pilipinas, with website: www.bsp.gov.ph.
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