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Deposit Rates
Current and Savings Accounts
Short-Term Time Deposit
Interest:
- Interest rates are indicative and may change without notice. Please confirm with our branch when making placements.
- Interest is subject to a 20% withholding tax.
Penalty:
- Pretermination Penalty = Agreed Rate x (Days Lapsed/Agreed Term)
- If preterminated within the first half of the term, interest rate shall be reduced to 25% of the stipulated rate, or the prevailing savings account rate, whichever is higher.
- If preterminated within the second half of the term, interest rate shall be reduced to 50% of the stipulated rate, or the prevailing savings account rate, whichever is higher.
If preterminated before the maturity date, the interest rate will vary, and the corresponding documentary stamp tax shall be deducted from the proceeds. Please contact your branch of account for the computation.
Long-Term Time Deposit
Interest:
- Interest rates are indicative and may change without notice. Please confirm with our branch when making placements.
- Interest is subject to a 20% withholding tax.
Penalty:
- Pretermination Penalty = Agreed Rate x (Days Lapsed/Agreed Term)
- If preterminated within the first half of the term, interest rate shall be reduced to 25% of the stipulated rate, or the prevailing savings account rate, whichever is higher.
- If preterminated within the second half of the term, interest rate shall be reduced to 50% of the stipulated rate, or the prevailing savings account rate, whichever is higher.
If preterminated before the maturity date, the interest rate will vary, and the corresponding documentary stamp tax shall be deducted from the proceeds. Please contact your branch of account for the computation.
Other Fees and Charges
Card Fees for Sterling Bank Cards (Debit and Prepaid)
| DEBIT CARD | PREPAID CARD | |
|---|---|---|
| Maximum Load Limits | None |
|
| Withdrawal Limits (Php) |
If using Sterling Bank ATM:
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If using Sterling Bank ATM:
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| Card Fees |
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| ATM Charges (local transactions) |
If using Sterling Bank ATM: FREE Successful Withdrawal and Balance Inquiry Fees will depend on other banks' ATM service fees. |
If using Sterling Bank ATM: FREE Successful Withdrawal and Balance Inquiry Fees will depend on other banks' ATM service fees. |
| ATM Charges (overseas transactions using Visa accepting ATMs) |
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| 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
Checkbook Request
| TRANSACTIONS/SERVICES | FEE |
|---|---|
| Personal | Php250.00 |
| Corporate | Php500.00 |
Dormancy Fee
| 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.
Falling Below Required Maintaining Average Daily Balance
| TRANSACTIONS/SERVICES | FEE |
|---|---|
| PHP Accounts | Php300.00/month |
| USD Account | USD5.00/month |
| CNY Account | CNY30.00/month |
Fund Transfer Services
| 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 |
*Note: For unsuccessful outward PESONet and InstaPay, corresponding fees will be returned to the sender as applicable.
Real Estate Loan Fees and Charges
| FROM | TO | |
|---|---|---|
| Loan Processing Fee | None | Php5,000.00 |
| Appraisal Fee |
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| 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 |
Replacement of Lost Passbook
| TRANSACTIONS/SERVICES | FEE |
|---|---|
| PHP Accounts | Php100.00 |
| USD Account | USD3.00 |
Returned Checks due to Insufficient Funds
| 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 |
Safety Deposit Box Rental
| 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 |
Other
| 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 |
| Lifting of USD Notes Holding Period | 0.0025 or 1/4 of 1% service charge if withdrawn within 7 calendar days from the date of deposit |
Updated transactions/services fees as of November 2025.
Bank on-the-go
Make transactions on-the-go with Sterling Bank's mobile app, available on iOS and Android.
With Sterling Bank Online, you can address your banking needs with ease, anytime, anywhere.
Manage your funds, pay bills and more through seamless and secure online banking right at your fingertips.
Never Click That Link
Sterling Bank of Asia will never send links via SMS, email, or any messaging app.
Avoid clicking links from emails and text messages.
Never share your username, password and OTP.
Always verify by contacting the bank's customer service helplines.
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Online Banking