Savings account: P5,000
Checking account: P5,000
Time deposit: P10,000
Special deposit account: P100,000
Foreign currency deposit account: $1,000
Mutual fund: P5,000
Unit investment trust fund: P5,000
Treasury Bills and Bonds (through banks): P100,000
Account with a stock brokerage firm: P50,000 (but I just learned that at least one has no minimum investment at all)
Priority banking accounts: $50,000 (you will have access to different investment instruments at higher interest and the services of wealth managers or financial planners)
For first-time investors, read this guide: Investment 101 for the first time investor
(Check this spot again from time to time for more updates. The usual disclaimer applies: this is not a solicitation to buy etc. etc. and each instrument is attached to its own kind of risk).
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16 Feedbacks on "Minimum placements in Philippine financial instruments"
nina
I think there are savings with P3,000 minimum deposit
chris
checking account 5k pesos minimum? rcbc? ….. i think most bank have 25k peso as minimum…. below that service fee is charged
lance
I’m interested in sda & tbills/bonds, can u tell me which banks are offerings these investments & what are the rates & terms? thanks.
Carlos
Check the minimum placements on the products from thrift or savings banks, they usually have lower requirements — and offer higher interest rates
@nina - there are savings accounts that need P500 to open but usually you need to raise it to around P3000 (or much more) to earn interest (ex. BPI, Citi Savings, etc)
@lance - most of the bigger banks (top 10 in assets) like Metro, BDO, BPI, RCBC, LandBank, DBP, etc offer SDAs and tbills/bonds. I’m not so sure about the rates but as for the terms i think SDAs go for a month, tbills go up to a year, and treasury bonds for more than a year. Goodluck with the investments!
i think it might be a good idea to invest in tbills as the government just hiked its rates by 2%, but lets see what the banks will offer, hehe
thanks Salve for the informative post!
paetechie
my old BPI atm account still has that P3k minimum balance.
SoNn
ATM Savings account can be as low as P500
BPI Direct TD - minimum P1,000
First Metro Sec Online - no minimum investment
I wonder which UITF has a minimum of P5,000? Can anyone let me know?
Sam
BDO has 5k initial deposit for cjecking account =)
lance
@carlos - thanks for the valuable info.
Nilo Babad
Hello,
I want to solicit ur opinion if it is a wise investment & profitable to invest in Dollar Bonds for 5 years rather than in high yielding government securities for 5 years also. Considering u have P100,000 where do u want to invest it that gives a higher returns after 5 years.
Thanks & more power. i am always reading ur articles.
Goodday!
Spawn
50k for a stock brokerage account?
last year CitiSecOnline was only 25k
chxtr
BPI sda bills have the term of 31 days, but “renewable” every after 31 days (or every month).
it has an indicative net yield of 4.45411% fixed per month, but may vary after end of every term. the minimum requirement to get sda bills is 100k, with a 10k increment should an investor wants to go over 100k.
seems like a good investment because it is safe.
Ros
Hi Salve, I’ve learned about SDA particularly from this post. Thank you so much!
I shared my story here: http://www.roszain.com/2008/09/sda-time-deposit.html
Thanks & more power to you!
Jing
RCBC ezTrade minimum initial investment is P25,000 for online stock trading
Jovanne
BPI, Metrobank and BDO offers SDA. Check out my blog. Thanks.
Money Smarts » The best of MoneySmarts and saying goodbye
[...] Minimum placements in Philippine financial instruments [...]
Paulo
At Citibank, there is a savings account that gives 4.75% p.a.
No pre-termination fees, lock-in period and all the hassles of a time deposit or SDA.
You can withdraw and deposit anytime.
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