Sterling Bank Bank Charges
Sterling Bank Bank Charges Mobile
  DEBIT CARD  PREPAID CARD
Maximum Load Limits None
  • Peso - Php100,000.00/card (maximum of Php500,000.00 per client/month)
  • US Dollar - USD10,000.00/month
  • iRemit (co-branded) - Php300,000.00/card (maximum of Php500,00.00 per client/month)
Withdrawal Limits (Php)

If using Sterling Bank ATM:

  • Php40,000.00/day


If using other bank's ATM (BancNet accredited):

  • Php40,000.00/day
  • Php10,000.00/transaction


USD Card Withdrawal Limit:

  • USD2,000.00/day

If using Sterling Bank ATM:

  • Php40,000.00/day


If using other bank's ATM (BancNet accredited):

  • Php40,000.00/day
  • Php10,000.00/transaction


USD Card Withdrawal Limit:

  • USD2,000.00/day
Card Fees
  • Replacement for lost card: Php150.00
  • Account Opening: None
  • Conversion of old ATM card (renewal card): None
  • Replacement for lost card: Php150.00
  • Card Opening (for personal card): Php150.00
  • Maintenance fee: Php100.00 (if card is not renewed within 4 months after the card expiry date)
ATM Charges (local transactions)

If using Sterling Bank ATM: FREE

If using other bank's ATM (BancNet accredited):

Successful Withdrawal and Balance Inquiry Fees will depend on other banks' ATM service fees.

If using Sterling Bank ATM: FREE

If using other bank's ATM (BancNet accredited):

Successful Withdrawal and Balance Inquiry Fees will depend on other banks' ATM service fees.

ATM Charges (overseas transactions using Visa accepting ATMs)
  • Successful withdrawal: USD3.00
  • Balance inquiry: USD1.00
  • Successful withdrawal: USD3.00
  • Balance inquiry: USD1.00
Declined Transaction Fee USD1.00 or its Peso equivalent USD1.00 or its Peso equivalent


For other bank cardholders, the bank will charge the following:
Successful withdrawal: Php15.00 | Balance inquiry: Php1.00

TRANSACTIONS/SERVICES FEE
Personal Php250.00
Corporate Php500.00
TRANSACTIONS/SERVICES FEE*
PHP Accounts Php30.00/month
USD Account Php30.00/month or its equivalent USD based on prevailing exchange rate
CNY Account Php30.00/month or its equivalent CNY based on prevailing exchange rate


The fee is charged only to a dormant account five (5) years after the last transaction date and if the required minimum ADB is not met for at least two (2) consecutive months.

TRANSACTIONS/SERVICES FEE
PHP Accounts Php300.00/month
USD Account USD5.00/month
CNY Account CNY30.00/month
TRANSACTIONS/SERVICES FEE
Philippine Domestic Dollar Transfer System (PDDTS) for Inward No charge
Philippine Domestic Dollar Transfer System (PDDTS) for Outward USD15.00
Real Time Gross Settlement (RTGS) for Inward No charge
Real Time Gross Settlement (RTGS) for Outward up to PHP 25 Million Php300.00
Real Time Gross Settlement (RTGS) for Outward over PHP 25 Million Php450.00
PESONet (Philippine EFT System and Operations Network) for Inward No charge
PESONet (Philippine EFT System and Operations Network) for Outward Php15.00
PESONet (Philippine EFT System and Operations Network) Over-the-Counter Php30.00
Instapay for Inward No charge
Instapay for Outward Php15.00
Telegraphic Transfer for Inward USD10.00
Telegraphic Transfer for Outward USD15.00
Telegraphic Transfer for Outward – Full Remittance USD25.00
Amendment Fee on Telegraphic Transfer and PDDTS USD20.00
Amendment Fee on RTGS Php100.00
  FROM  TO
Loan Processing Fee None Php5,000.00
Appraisal Fee
  • Metro Manila, Metro Cebu, and Metro Davao - Php3,800.00 per property/title
     
  • Other areas - Php4,800.00 per property/title
     
  • Php500.00 will be charged for additional property/title located in the same vicinity

 

  • Metro Manila, Metro Cebu, and Metro Davao - Php4,000.00 per property/title
     
  • Other areas - Php5,000.00 per property/title
     
  • Php1,000.00 will be charged for additional property/title located in the same vicinity
     
  • Php1,500 per inspection for Construction Loans
     
Early Settlement Processing Fee None Php5,000.00
Activity Cost
(REM Annotation)
None Php5,000.00
Statement of Account (SOA) Request

History of Payment (HDP) Request

Certificate of Full Payment Request
None Php300.00 per request
TRANSACTIONS/SERVICES FEE
PHP Accounts Php100.00
USD Account USD3.00
TRANSACTIONS/SERVICES FEE
Returned checks for the presenting bank Php1,000.00
Returned checks for the drawee bank Php1,000.00
Penalty Charge Php200.00 for every Php40,000 and a fraction thereof per check per day
TRANSACTIONS/SERVICES FEE
Deposit for Key Php1,000.00
5” X 5” X 24” size Php1,000.00/year
3” X 10” X 24” size Php1,500.00/year
5” X 10” X 24” size Php2,000.00/year
10” X 10” X 24” size Php4,000.00/year
TRANSACTIONS/SERVICES FEE
SSS Online Payment Php15.00 per transaction made through BancNet's eGOV facility (SSS Contribution or Loan Payment)
Statement of Account Request Php150.00 per statement cut-off
Stop Payment Order (SPO) Php300.00
Bills Purchase (BP) BP Amount x Lending Rate x No. of Days Cleared / 360 or Php500.00 whichever is higher
Second Endorsed Php500.00
Manager's Check Php55.00
Counter Check Php50.00
Back-to-Back Loan Processing Php500.00
Bank Draft/ Demand Draft USD10.00
Bank Certification Php150.00
TIT Certification Php150.00
Notarial Fee Minimum of Php300.00
Bank Guarantee Minimum of Php1,000.00; 1/4 for the first 60 days, plus 1/8 of 1% for every 30 days thereafter

Updated transactions/services fees as of January 2024.

 

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