BGC, PHILIPPINES — Netbank, the leading Banking-as-a-Service (BaaS) provider in the Philippines, officially announced the launch of its innovative Netbank BaaS Time Deposit API. This white-labeled, plug-and-play solution allows non-bank financial institutions, fintechs, and enterprise platforms to seamlessly integrate high-yield term-deposit products directly into their existing applications.
The Netbank BaaS Time Deposit API enables non-bank financial institutions, fintech companies, e-wallets, payroll platforms, lending and microfinance apps, cooperatives, and digital ecosystems to roll out branded term-deposit products to their end-users without needing to obtain a standalone banking license, build complex core-banking systems, or manage direct deposit compliance infrastructure.
Through the solution, Netbank powers the regulated backend — including deposit ledger management, interest calculations, lifecycle tracking, and compliance support — while fintech partners continue to own the customer experience, user interface, brand, and customer relationship.
“Fintechs are in a strong position to bring savings and wealth-building products to customers through the apps they already use every day. With the Netbank BaaS Time Deposit API, partners can launch a regulated time deposit product faster, with less infrastructure complexity, while maintaining control of their customer journey.”
Jerrald Solano, Head of AaaS Product, NetbankKey Features for Seamless Integration
- White-Labeled Infrastructure: Complete customization of the user experience, ensuring end-users never leave the partner's app.
- Flexible Yield Structuring: Netbank provides a competitive base interest rate of 4.5% to 5.0% p.a., giving partners the flexibility to pass the full rate to users or capture a fee margin spread.
- Automated Lifecycle Management: Full programmatic handling of the deposit lifecycle, including real-time funding, maturity tracking, pre-termination penalties, and automatic roll-overs.
Embedded Time Deposits for the Next Generation of Fintech Platforms
As digital financial platforms expand beyond payments, lending, remittances, payroll, and merchant services, many are looking for ways to deepen engagement and offer more value to their users. Time deposits provide a familiar, lower-risk savings product with fixed terms and predictable interest rates — making them well suited for fintech ecosystems seeking to improve retention and grow customer balances.
With Netbank’s API, fintech partners can embed a time deposit experience directly into their own apps. End-users can place, monitor, and manage deposits without being redirected to a separate banking platform, allowing partners to deliver a seamless, fully branded financial experience.
The Solution Is Designed for Fintech Partners Such As:
- E-wallets and neo-banks seeking to expand into savings and wealthtech products
- Lending and microfinance platforms that want to help borrowers and community members build savings or collateral
- HRTech and payroll platforms offering automated “save-from-salary” features
- Cooperatives and member-based platforms looking to modernize savings products
- Retail aggregators and merchant ecosystems aiming to provide secure financial services to their networks
- Digital financial apps that want to improve customer retention and increase assets under management
A White-Labeled API Built for Speed, Flexibility, and Compliance
The Netbank BaaS Time Deposit API is structured as a plug-and-play infrastructure layer that allows partners to configure their own customer-facing time deposit product while relying on Netbank for the regulated banking foundation.
This model allows fintechs to launch a banking-grade savings product without diverting resources into building and maintaining core deposit systems.
Helping Fintechs Move from Transactions to Financial Relationships
The Netbank BaaS Time Deposit API is designed to help fintech platforms move beyond one-time transactions and build deeper, longer-term financial relationships with their users.
For example, payroll platforms can enable employees to automatically allocate part of their salary into fixed-term savings. Lending fintechs can help customers build savings discipline or maintain reserve funds. E-wallets can offer users a reason to keep balances within the wallet ecosystem. Cooperatives can provide members with a digital alternative to traditional savings products.
“The future of financial services is embedded. Customers increasingly expect savings, payments, lending, and financial planning to be available inside the platforms they already trust. Netbank’s BaaS Time Deposit API gives fintech partners the regulated infrastructure to make that possible.”
Iann Sicat, CEO, NetbankAvailability for Qualified Fintech Partners
The Netbank BaaS Time Deposit API is available to qualified fintech partners and institutional platforms in the Philippines. Netbank works with partners to define product configuration, API integration, customer journey design, commercial terms, compliance onboarding, and launch timelines.
Fintechs interested in offering embedded time deposits may contact Netbank to learn more about partnership requirements and implementation options.
About Netbank
Netbank is the first fully regulated Banking-as-a-Service hardware and software platform in the Philippines focused on providing modern banking infrastructure for businesses, fintechs, and financial service providers. Through its technology-first platform, Netbank offers APIs and banking-as-a-service capabilities across payments, deposits, lending, compliance-ready account services, and financial infrastructure.
Netbank helps partners build, launch, and scale financial products faster by providing regulated banking infrastructure through APIs.
Media Contact
Marketing Department
Email: pr@netbank.ph
Website: www.netbank.ph
