Sending money to the Philippines and interested in opening your own Philippine-based deposit savings account? PNB Japan (Tokyo Branch and Nagoya Sub-branch) can help you open any of the following deposit accounts at any of our over 600 branches in the Philippines.

* Please note that there are conditions for opening an account for Japanese and Non-Filipino nationals.

For Japanese and Non-Filipino Nationals who wish to avail of the following services: account opening, reactivation of dormant accounts, or repatriation of funds from the Philippines, please be advised that we require a pre-screening of supporting documents. Please email the documents to PHservicescreening@pnbtokyo.co.jp and allow at least 3 banking days for the Bank to send you a notification. When sending documents, kindly use the email subject: Type of Service + Name of Applicant + Preferred Branch (Tokyo or Nagoya)

APPOINTMENT ADVISORY: Please book an APPOINTMENT for account opening assistance and other services for Philippine-based accounts. Kindly make sure you have all the required identification and supporting documents when visiting us. If the required documents are incomplete, we will be unable to serve you. Thank you for your kind understanding.

Please click here to make an appointment (For PNB Tokyo Branch Only).

If you have any questions or queries, please contact us at: customercare@pnbtokyo.co.jp

Savings or Checking Accounts

Please click here for more details.

Peso Time Deposit (For Filipino Nationals only)

• ✓ Initial Deposit: JPY 100,000
• ✓ Term: Available at 1,2,3,6,9 and 12 months
• ✓ Access: Passbook or Certificate
• ✓ Automatic roll over and disposition at maturity
• ✓ Interest is paid in lump sum at maturity
• ✓ Pre-termination is allowed subject to reduced rate　　　　　　　　　　　　　　　　　　　　　
  • Half of less than 1/2 of the term: 25% of the given interest rate
  • More than half of the term: 50% of the given interest rate

Dollar Time Deposit

• ✓ Minimum Initial Deposit: JPY 200,000 (JPY1,000,000 for Japanese and Non-Filipino Nationals)
• ✓ Available at 1,2,3,4,5,6,9 and 12 months
• ✓ Access: Certificate
• ✓ Automatic roll over and disposition at maturity
• ✓ Interest is paid in lump sum at maturity
• ✓ Pre-termination is allowed subject to reduced rate
  • Half of less than 1/2 of the term: 25% of the given interest rate
  • More than half of the term: 50% of the given interest rate

Who can open a Philippine-based account?

• ✓ Filipino Nationals
• ✓ Japanese and Non-Filipino nationals (subject to pre-approval of submitted documents to prove purpose of account opening). Please click here for the detailed acceptable purposes.

What are the requirements for account opening?

1. Identification Documents (All IDs must be original, valid and reflect current address in Japan. If not current address, residence certificate with My Number indicated and issued within three (3) months is additionally required.)
   1. For Japanese Nationals
      • 1). “My Number Card” or “Notice of My Number”
      • 2). Passport
      • 3). Driver’s License or Health Insurance Certificate
   2. For Filipinos and Non-Japanese nationals
      • 1). “My Number Card” or “Notice of My Number”
      • 2). Passport
      • 3). Residence Card (Not acceptable if not current address)
   
   
   
   
   Click the image to enlarge
2. Proof of Annual income (For Non-Filipino nationals only) – either: Tax Declaration Sheet (Kauteishinkokusho確定申告書) or Withholding Tax Certificate (Gensenchoshuhyo源泉徴収票) * * Please note the submission of copies of passbook, certification of annual income from employer, etc. are not acceptable.
3. Fees
   1. 3,000 Yen remittance fee
   2. 610 Yen for mailing of ATM card (Note: Issuance is subject to conditions.)
   3. 520 Yen for mailing fee of Passbook/Checkbook or Time Deposit　Certificate, etc.
   Please note cost per checkbook is deducted from the initial deposit. ※If additional checkbook is requested during account opening, an additional 520 Yen will be charged for mailing fee.
4. Initial Deposit (Please click here for details)



Acceptable Purposes for Opening of Account for Japanese and Non-Filipino Nationals *

* Please note that account opening is subject to pre-approval of submitted documents to prove purpose of account opening. PNB Japan may, at its sole discretion, request additional information and/or documents after the initial screening.

	ACCEPTABLE PURPOSES FOR ACCOUNT OPENING	CONDITIONS	ADDITIONAL REQUIREMENTS
1	Purchase of real properties in the Philippines (不動産購入)	1) Payments / remittances for the real properties must be done through PNB Japan. 2) Clients can only open regular savings passbook account and regular checking account. ※ATM card cannot be issued 3) If payment is by credit card or not through PNB Japan’s remittance, PNB Japan cannot assist in the account opening.	1) Copies of duly signed and notarized Contract to Sell (CTS) AND Payment Schedule. Or 2) Copies of Reservation Agreement AND Payment Schedule. IMPORTANT NOTICE: Reservation Agreement and Payment Schedule should reflect the following details in proper designated areas. Payment Schedule only is not acceptable. Printed names of Developer Representative /Seller & Buyer Signatures of Developer Representative /Seller & Buyer Dates of signing Title or Position of Developer Representative Project name, unit number and other relevant information about the property. 3) Written Pledge (available at PNB Japan). Written pledge that prospective client will make payments to subject real property through PNB Japan. Written pledge that the prospective client will close the account after full payment of the subject real property unless client will use the REGULAR PASSBOOK SAVINGS ACCOUNT or the REGULAR CHECKING ACCOUNT to receive rentals from the purchased subject real property. Additional documents may be needed after the Bank’s initial screening.
2	Receipt of rent payments (不動産賃貸受）	1) Restricted to prospective clients who made payments / remittances of at least 80% of the total contract price of subject real property through PNB Japan. 2) Clients can only open regular savings passbook accounts. ※ATM card cannot be issued.	1) Proof that at least 80% payment of property was made through PNB Japan (issued by PNB Japan) 2) Copy of a notarized rental contract / agreement 3) Copy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) or any legal document to support property ownership or Notarized Deed of Undertaking (DOU) issued by PNB Tokyo Branch to OPHL clients Additional documents may be needed after the Bank’s initial screening.
3	Receipt of pension allowances （年金受領）	PNB Japan accepts application at most, one (1) month prior to departure to the Philippines for retirement.	1) Valid Philippine ACR (Alien Certificate of Registration) issued by the Bureau of Immigration of the Philippines or valid Special Resident Retiree’s Visa (SRRV). Tourist visa is not acceptable. 2) Plane ticket to support travel to the Philippines for retirement 3) Original Pension Booklet 4) The form and details required by the Pension Office Additional documents may be needed after the Bank’s initial screening.
4	Savings or any specific purpose by an SRRV (Special Resident Retiree’s Visa) holder （特別居住退職者ビザ）	Prospective client is currently an SRRV holder.	Prospective client is currently an SRRV holder. Additional documents may be needed after the Bank’s initial screening.
5	Salary Account for work assignment / training in the Philippines for over one (1) year （給料受給）	1) Restricted to those who plan on staying in the Philippines for over one (1) year for work assignment / training. 2) Account must be closed when work Copy of the valid work visa or the approved Alien Employment Permit (AEP), etc. If an approved AEP is submitted, a copy of the work visa is	1) Work transfer / training notice issued by the company or proof of work assignment / training in the Philippines from the Company 2) Copy of the valid work visa or the approved Alien Employment Permit (AEP), etc. If an approved AEP is submitted, a copy of the work visa is to be submitted to PNB Japan once available. If a work visa is not submitted, the account must be closed. 3) Company registration 4) Beneficial Ownership Declaration by the Company 5) Written Pledge to close the account when work assignment / training in the Philippines is finished or completed. (Form is available at PNB Japan). Additional documents may be needed after the Bank’s initial screening.
6	Additional documents may be needed after the Bank’s initial screening. （留学、訓練生）	1) Restricted to those who plan on staying in the Philippines for over one (1) year as a student / trainee. 2) Account must be closed when studies / training in the Philippines is finished or completed.	1) Admission Letter from School 2) Copy of a valid student/trainee visa, etc.　 3) Written Pledge to close the account when studies / training in the Philippines is finished or completed (Form is available at PNB Japan). Additional documents may be needed after the Bank’s initial screening.
7	Non-Filipinos holding valid ACR (Alien Certificate of Registration) issued by the Bureau of Immigration of the Philippines	Prospective client is currently an ACR holder.	Valid ACR or document proving prospective client is currently an ACR holder Additional documents may be needed after the Bank’s initial screening.
8	1. Children between non-Filipinos and Filipinos / former Filipinos up to 19 years old 2. Former Filipinos		Proof of Family Registry or other supporting documents are needed. Additional documents may be needed after the Bank’s initial screening.


Additional Guidelines for Opening of Account and other services for Japanese and Non-Filipino Nationals

	NATURE OF TRANSACTION	REMARKS
1	Reactivation of Dormant Account	Acceptance is subject to the same conditions for account opening. (This is subject to pre-approval of submitted documents to prove purpose of account opening.) Please click here for details.
2	Repatriation of funds from Philippine-based PNB accounts with funds in the accounts coming from return of investments (rentals and/or sale of property)	1) Proof that at least 80% payment to purchase property was made through PNB Japan (issued by PNB Japan) 2) Copy of a notarized rental contract / agreement 3) Copy of Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT or any legal document to support property ownership or Notarized Deed of Undertaking (DOU) issued by PNB Tokyo Branch to OPHL clients
Note: For non-Filipinos (including those with Filipino Spouses) who opened their accounts directly with Philippine domestic branches or account opening facilitated by PNB Japan but remittances are not coursed through the Bank, the Bank can only accept reactivation of dormant account with eventual closure if the equivalent balance in Yen is 100,000 or below.

Frequently Asked Questions

1. Fees and Charges
   
   • Below Minimum Maintaining Balance Fee – PHP 350 per month
   • Other Services and Table of Charges for Philippine-based Account as of February 28, 2023

   Type of Request	Charge
   Request for Transfer of Funds (Local transfer to the Philippines)	JPY 5,000
   Checkbook Request	JPY 5,000
   Certificate of Balance	JPY 5,000
   Statement of Account	JPY 5,000
   Request to forward documents or request(s) to domestic branches such as Affidavit of Loss, etc.	JPY 5,000
   Request for reactivation of dormant account	JPY 3,000
   Customer updating for PNB Digital Banking	JPY 2,000
   Request for change of ATM or passbook	JPY 2,000

   • Transfer of Funds from Philippine-based Account to PNB Japan-based Account as of February 28, 2023

   Amount as per Currency of Source Account			Charge
   JPY1,000,000 and below	USD10,000 and below	PHP500,000 and below	JPY5,000
   JPY1,000,001 to JPY5,000,000	USD10,001 to USD 50,000	PHP500,001 TO PHP2,500,000	JPY7,500
   Above JPY5,000,000	Above USD50,000	Above PHP2,500,000	JPY10,000

2. How long will it take to get my ATM, Passbook, Checkbook, and/ or certificate after opening an account?
   • For passbook: 2 months
   • For ATM, Checkbook, and/or Certificate: 2 months
3. Can I open a checking account at any maintaining branch in the Philippines through PNB Tokyo or Nagoya?
   • o No. Checking account may only be opened if the maintaining branch is Bonifacio Global City (Taguig), San Lorenzo Branch (Makati), Legaspi Village (Makati), Petron Mega Plaza or other designated domestic branches.
     For Filipinos, if you have an existing PNB account in the Philippines (maintained for at least 6 months) and you wish to open a checking account at your current branch, you may do so.
4. Are my deposits insured?
   • Deposits in any currencies and of any type are insured by the Philippine Deposit Insurance Corporation (PDIC) up to a maximum amount of PHP 500,000 per depositor.
5. How much is the interest rate of your Deposit Savings Account?
   • Applicable interest rates change according to market fluctuation and subject to change without notice any time. For the latest rates, please inquire over the counter or see our corporate website at: https://www.pnb.com.ph
6. Can I enroll my Philippine-based account on the PNB Digital App?
   • The following may be enrolled on the PNB Digital App.
     • ✓ Regular Savings Account
     • ✓ Passbook Savings Account
     • ✓ Checking Account
     • ✓ SSS Pensioner’s Account
     • ✓ Join OR Account
     • ✓ Time Deposit Account
     • ✓ PNB Credit Card
7. Can I use the PNB Digital App in Japan?
   • Yes, provided your contact details are updated and your PNB account or credit card is active. Make sure that your internet connection is stable.
8. If I have inquiries or concerns about my account, where can I ask for assistance?
   • You may contact your maintaining PNB branch in the Philippines.

NOTE:
Account inquiries (withdrawal/deposit) and Digital Banking related inquiries – enrollment, username, password, One Time PIN (OTP), online fund transfer, online purchase and other concerns shall be made directly to your maintaining domestic branch or PNB Head Office. However, only English communication is available.
Trunkline: (632) 8526-3131 to 70 | 8891-6040 to 70
E-mail: customercare@pnb.com.ph