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Account Maintenance

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?

0.25% per annum


When will I receive the Interest Rate?

Daily interest crediting starting April 1, 2023


What is the minimum balance to earn interest?

1.00 Php 

Are you offering a Time Deposit?

Yes, you can open a time deposit, just log in to your Netizen Mobile App and tap "Term Deposit.


Minimum:  5,000 Php

Maximum: 2,000,000 Php

  •  3 months with 3% Annual Interest Rate

  •  6 months with 4% Annual Interest Rate

  •  9 months with 4.5% Annual Interest Rate

  •  12 months with 5% Annual Interest Rate



Users will see their balance in the Deposit section of Netizen app once it is processed and we will notify you via email including your Electronic Certificate of Time Deposit.

To check your Time Deposit Account

1. Log In to your Netizen 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.

  • No Pre-termination after 2 banking days from the day you open the account. Once you terminate the account within 2 days you will shoulder the DST (documentary stamp)

  • You have an 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 5 Time Deposit accounts (maximum), to add an additional time deposit account on your Neizen app  just simply tap “Time Deposit” slide left and tap the “+Add another account”

  • Each customer is insured up to 500,000 Php by PDIC.

  • Interest Earned is subject to 20% withholding tax. 

Time Deposit Approval

  • Applications before 4pm Manila Time during banking days will be processed the same day.

  • Applications after 4pm Manila Time will be processed on the next banking day.

  • Applications on Fridays after 4pm Manila Time will be processed on the next banking day (Monday).

  • Applications during holidays will be processed on the next banking day.

Why I am subject to withholding tax?

Any interest earned from a peso bank deposit will be subjected to a 20% final withholding tax as required by the Bureau of Internal Revenue.


Why is the status of my account “Dormant”?

If the status of your Netizen Savings Account is “Dormant”, it is because there is no activity for 24  months. To Re-Activate your account, you can email us at and there will be 50.00 Php Dormancy Fee.



How to view my eStatement?

You can view your transaction history by tapping “Account” on your Netizen app. You can also send us a request at


How can I Log in to my Netizen App?

There are two ways to Log-In:

1. Using the PIN

2. Touch ID or Fingerprint Verification


I can’t Log in to my Netizen App.

If you are unable to Log In to your Netizen App, follow the steps below:


  • Tap Reset

  • Are you sure you want to reset app activation? Tap “Yes”

  • Tap "Acrivate account”

  • Put the information needed

  • Create a PIN and confirmed it

  • Enable Touch ID or Finger Touch

  • Tap “Start Now”


How can I “Change PIN” and disable “Touch ID”?

Tap on “Help” select Change PIN

To disable Touch ID Tap on “Help” and swipe left with the Touch ID


I want to Change/Update my Account Details.

To request an update/change of your account details, you can submit a request via an online form. See the online form below and fill out the details then submit. 


What do I do if I change my email address?

To update your email address,  you can submit a request via an online form. See the online form below and fill out the details then submit. 


Is my money safe if I lost my phone?

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

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

For escalations and other immediate assistance, contact us by sending us a message at

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