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Fast – Reliable – Exceptional

At Netbank Mobile, we take pride in delivering top-notch customer service—because you deserve nothing less. Nothing makes us happier than hearing feedback like this! Thank you, for the kind words! Your trust in Netbank Mobile motivates us to continue providing seamless, secure, and efficient banking solutions for all Filipinos. Experience banking without the hassle—only at Netbank Mobile.

Our Customers Deserve Nothing But The Best

Netbank Mobile is redefining financial accessibility! Imagine a world where every Filipino, from families to underserved communities, has the tools to take control of their financial future. Our mission? To build a seamless, inclusive banking experience—breaking barriers and unlocking new opportunities for all.

Interest Rate

•  3.25% p.a – Daily Interest Crediting & Compounding

Savings

• 6 months at 4.5% p.a
• 12 months at 5% p.a

Time Deposit

Charges & Fees

From Netbank to other banks

Instapay

Free

PESONET

Free

From Netbank to Netbank

Free

Fund Transfer

Ayannah Network

Php 40.00

ECPay Network 

 Php 20.00

M Lhuillier

 Php 30.00

VIP Center

 Php 5.00

Cash-In

Ayannah Network

 3% of the transaction amount

M Lhuillier

 2% of the transaction amount

Cash-Out

Note: No charges/payment shall be asked by the counters and stores on top of your deposit/cash-in or withdrawal/cash-out amount.

Need Support?

Upload or Scan Me

Contact us at
cs_mobile@netbank.ph

Customer Support Team is
only available 8AM to 5PM Monday to Friday

Frequently Asked Questions

Where can I download the Netbank Mobile Application?

You can download Netbank Mobile Banking Application from Google Play Store and Apple Store.

What type of account I will get after the registration?

Regular Savings Account

​What Branch do I need to select during account opening?

💡Digital Banks Ph Tipid Hacks 💸

Acceptable Valid IDs to open a Netbank Savings Account.

• Philippines Passport
• National ID or PhylSys ID
• OFW I.D.
• Seafarer’s Identity Document (SID
• Driver’s License 
• PRC Card
• NBI Clearance 
• Police Clearance
• Postal I.D. 
• Barangay Certification 
• GSIS e-card 
• SSS 
• Senior Citizen’s Card
• UMID
• For Resident Aliens/Expats/Foreign Students – please provide one of these documents (Alien Certificate of Registration, Passport, Visa, Immigrant Certificate of Residence, or Immigrant of Registration)

I’m done with the Application process, how long will I wait for the Approval/Activation?

• Applications before 5pm PST during banking days will be processed the same day. 
• Applications after 5pm PST will be processed on the next banking day.
• Applications on Fridays after 5pm PST will be processed on the next banking day (Monday).
• Applications during weekends and holidays will be processed on the next banking day. 

How to Activate my Account?

Please watch the video tutorial on how to activate your account. See Video

What is the type of account I will get after the registration?

Regular Savings Account.

How much is the minimum initial deposit?

No minimum initial deposit and No maintaining balance. 

 What is the Interest Rate?

• 3.25% interest rate per annum when you select “💡Digital Banks Ph Tipid Hacks 💸” on the branch selection screen during the account opening. 

*Interest rate offered may need to adjust in accordance with Netbank’s asset/liability requirements and market conditions.

When will I receive the Interest Rate?

Interest Computation Guide for New Accounts

• For new accounts, interest starts once your first deposit has been in the account for at least 24 hours.
• During the first two days after account creation, interest is computed based on the Average Daily Balance (ADB)—provided that funds were deposited immediately after opening the account.
• After the first two days, interest will be computed based on the End-of-Day (EOD) Balance.
• Interest is credited daily and compounds over time

Example:

If you deposit today, your first interest will be credited starting tomorrow from 12:00 AM onwards.

Important Note:

The timing of your first interest credit depends on when you fund your account. If the account was created today but you only deposit funds after 2 or 3 days, interest computation will begin after the initial deposit, and will then be based on the EOD balance.

Interest Computation Formulas:

• For the first 2 days (ADB-based):
• Average Daily Balance × Interest Rate × (1/365) – 20% Withholding Tax = Interest Earned
• After the first 2 days (EOD-based):
• End-of-Day Balance × Interest Rate × (1/365) – 20% Withholding Tax = Interest Earned
• The End-of-Day Balance is recorded at exactly 12:00 AM each day.

Interest earned is available on the app dashboard, where you can filter your earnings by monthly or yearly view.

What is the minimum end of day balance to earn interest?

At least 69.00 Php (at 3.25%)

Are you offering a Time Deposit?

Yes, you can open a time deposit, just log in to your Netbank Mobile Application and tap “Term Deposit.   

TIME DEPOSIT 

Minimum of 10,000 Php, No Cap

New offerings effective April 8, 2025

• 6 months at 4.5% per annum
• 12 months at 5% per annum

*Users will see their balance in the Deposit section of Netbank Mobile once it is processed and we will notify you including your Electronic Certificate of Time Deposit.

To check your Time Deposit Account

1. Log In to your Netbank App
2. On the Dashboard click “Time Deposit” on the top part of the screen
3. You will see your Time Deposit balance
4. You will see all your Time Deposit Details including your balance, time deposit account number, and interest rate.

• You have the option to roll over your funds or withdraw (we will move the funds to your regular savings account). 
• One of our representatives will message you 5 days before the maturity date to confirm whether you want to roll over the fund or not. If we did not hear anything from you before your Maturity Date, we will automatically transfer the funds to your savings account. 
• You can open up to 5 Time Deposit accounts (maximum), to add an additional time deposit account on your Netbank Mobile app  just simply tap “Time Deposit” slide left and tap the “+Add another account”
• Each customer is insured up to 1,000,000 Php by PDIC.
• Interest Earned is subject to a 20% withholding tax. 
• Pre-termination is subject to DST (Documentary Stamp Tax) that will be shouldered by the account holder. Interest rate is still applicable, this will be computed from the time of placement up to the date of Pre-termination.

  • Here is the formula to calculate the DST (Amount x.75% [DST] x term/365)

Time Deposit Approval

• Applications before 4pm PST during banking days will be processed the same day. 
• Applications after 4pm PST will be processed on the next banking day.
• Applications on Fridays after 4pm PST will be processed on the next banking day (Monday).
• Applications during holidays will be processed on the next banking day. 

How can I “Change PIN?

• Tap on “Settings” select Change PIN
• Put your Desired Pin and wait for the Authorization code
• Fill in the Authorization Code and your pin is already updated.  

I want to Change/Update my Account Details.

To request an update/change of your account details, you can submit a request via Netbank Mobile App. Follow the instructions below.

Step 1: Email Customer Service (CS) to request the code for the change request.Step 2: Follow these instructions in the app:

• Open the app
• Go to Settings
• Click FAQ
• Select “Change Request”
• Tap “Change Request Form”
• Complete the required fields, including the code provided by CS, and submit the form.

Step 3: CS will notify you once the change has been implemented.

What do I do if I change my Mobile Number?

To request an update/change of your account details, you can submit a request via Netbank Mobile App. Follow the instructions below.

Step 1: Email Customer Service (CS) to request the code for the change request.

Step 2: Follow these instructions in the app:

• Open the app
• Go to Settings
• Click FAQ
• Select “Change Request”
• Tap “Change Request Form”
• Complete the required fields, including the code provided by CS, and submit the form.

Step 3: CS will notify you once the change has been implemented.

Dormant Account

A dormant account refers to an account that has been inactive for 24 months (730 days), with no transactions such as deposits or withdrawals. To re-activate, the account holder must request reactivation and pay a ₱50 dormancy fee.

Steps to Reactivate Your Account:

Step 1: Email Customer Service (CS) to request the code for the change request.

Step 2: Follow these instructions in the app:

• Open the app
• Go to Settings
• Click FAQ
• Select “Change Request”
• Tap “Change Request Form”
• Complete the required fields, including the code provided by CS, and submit the form.

Step 3: CS will notify you once the change has been implemented.

Account Closure

Early account closure within 1 year or 365 days is subject to 100Php fee. 

Steps for Account Closure Request:

Step 1: Email Customer Service (CS) to request the code for the change request.

Step 2: Follow these instructions in the app:

• Open the app
• Go to Settings
• Click FAQ
• Select “Change Request”
• Tap “Change Request Form”
• Complete the required fields, including the code provided by CS, and submit the form.

Step 3: CS will notify you once the change has been implemented.

Is my funds safe?

Yes, you cannot log on without your personally created password, and making transfer transactions will require confirming your PIN.

How can I escalate Phishing, disputes, or any other money transfer problems?

For escalations and other immediate assistance, contact us by sending us a message at cs_mobile@netbank.ph 

Netbank to Netbank 

The transaction should also be reflected immediately.

Instapay

If it’s a fund transfer using Instapay, the transaction should also be reflected immediately.

Pesonet

• • Crediting 10:40 AM onwards: Transactions made from 4 PM the previous day to 10 AM the current day.
  • Crediting 1:40 PM onwards: Transactions made from 10 AM to 1 PM on the current day.
  • Crediting 4:40 PM onwards: Transactions made from 1 PM to 4 PM on the current day.

  If the fund transfer was made on a Friday after 4PM or on a Saturday/Sunday, the transaction will be reflected on the following Monday (earliest by 10:40 AM). We suggest waiting until the end of the day before checking the account.

I type the wrong account number as a recipient for the fund transfer. Can I cancel or undo the transfer?

• A fund transfer instruction, once submitted after you key in your PIN, cannot be canceled/reversed.
• Please make sure you input the correct account number before proceeding with keying in of your transaction PIN.
• If you enter an invalid account number (InstaPay/PESONet) it depends on the processor – it might be debited first and credited back when the transfer is rejected by the processor.  

Fund Transfers Limit and Fees

Pesonet 

• Php 1M per Transaction Limit
• Free

Instapay

• Php 50,000 per Transaction Limit
• Free

Netbank to Netbank

• No Limit
• Free 

See below the List of our Cash-In Agents and Fees:

• ECPAY Cash-in Networks (Fees 20 Php)
  • Alfamart
  • Puregold
  • Puremart
  • Globe Stores
  • Minimum Cash in of 100 Php
  • Maximum of 40,000 Php
  • ECPay Locations – Click here

Steps to Cash In via ECPAY Networks If ECPAY Kiosk is Not Available.

1. Visit an ECPAY Store
   Locate and visit any ECPAY store near you.
2. Fill Out the Form
   • In the Bank field, input “Netbank” or “Netbank (A Rural Bank) Inc.”
   • Enter your registered mobile number linked to your Smart Padala Wallet (this will serve as your account number).
   • Specify the amount you want to cash in.
   • Complete any other required details as requested by the store.
3. Submit the Form
   Hand the completed form to the cashier or store representative for processing.
4. Confirm the Transaction
   Wait for confirmation from the cashier and ensure the amount is credited to your account.
5. Keep Your Receipt
   Retain the receipt as proof of your cash-in transaction.
6. Funds Will reflect-real-time

Cash-In Fees

• MLhuillier (Fees 30 Php)
• Panalo Express (Fees 40 Php)
• VIP Center (Fees 5 Php)
• Cebuana Lhuillier: Cash-in fees are determined by Cebuana Lhuillier and are not controlled by Netbank. Please check directly with Cebuana Lhuillier for fee details.
  • Visit any Cebuana Lhuillier Stores
  • Prepare 1 Valid I.D
  • Fill Out the Pera Padala Form
  • For the Bank select
  • “Netbank” or “Netbank (A Rural Bank) Inc.”
  • Minimum & Max Amount: 1 Php to 50,000 Php
  • Funds Will reflect-real-time

• Client’s can also cash in/deposit via bank transfer from other banks/ewallets to their Netbank Mobile account

List of our Cash Out Agents

• MLhuillier                    Fees 2% of the transaction amount
• Ayannah Network   Fees 3% of the transaction amount

To open a merchant account or business account for MSMEs, the following requirements must be met: First, an individual account is needed as a prerequisite before requesting a merchant account. To apply for a merchant account, please complete the online application form on your Netbank Mobile. Follow the instructions below. 

1. Open the App
2. Click Settings
3. Click FAQ
4. Select “Merchant Account”
5. Tap “Merchant Account Opening”
6. Complete the required Field and Submit

Prepare the following documents:

• Valid ID of Authorized Signatory
• Photo Signature
• Selfie together with your Valid ID
• Local Government Business Registration
• National Business License (DTI)
• BIR Registration (if available)​

A merchant account allows you to accept payments from your customers via QRPH QR Code. With this account, you’ll generate a QR Code for your customers to scan when making payments. Please note that scanning QR Codes of your customers, as well as scanning GCredit and GGives, is currently not supported. Payment collection will only be successful when your customer scans your Merchant QR Code. The fee for any transaction amount is 5PHP. Additionally, transferring funds from your Netbank Merchant account to your Netbank Mobile account is free of charge. There are no payment limits. This merchant account also offers interest at 2% with daily crediting.

​The Turnaround time for the Approval after the user submits the merchant account application or after registration is listed below. 

• Account Applications before 5pm PST during banking days will be processed the same day. 
• Account Applications after 5pm PST will be processed on the next banking day.
• Account Applications on Fridays after 5pm PST will be processed on the next banking day (Monday).
• Account  Applications during weekends and holidays will be processed on the next banking day.

​Netbank is a participant in QR (Quick Response) PH (Philippines) P2P (Peer-to-Peer) and P2M (Peer-to-Merchant) transactions.

Read more about our Product Disclosure Agreement Here

Connect with Us

Our Partners and Clients

Who are benefiting from Netbank’s solutions

Our Products

• Local Payment Companies
• International Payment Companies
• Cash Lenders
• Vehicles
• E-Commerce
• HRIS
• Corporates

About Us

• Our Company
• Join Netbank
• Regulatory Governance
• Our Leadership
• Our Brag Sheet

Resources

• Annual Quarterly
• Newsroom
• Legals & Disclosures
• FAQs

Customer Support

• Contact Us
• Virtual FAQ

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Netbank (A Rural Bank) Inc. is regulated by the
Bangko Sentral ng Pilipinas (BSP)

For any concerns, you may contact them directly at (02) 8708-7087 or email at consumeraffairs@bsp.gov.ph.

Deposits are insured by PDIC up to P1,000,000 per depositor.