Discover the benefits of MetroCash Manager.
Check out MetroCash Manager's security features.

Learn more about MetroCash Manager.
Call our Customer Care Department at 898-8000, dial 1, then 2.
For provincial areas, call domestic toll-free 1-800-10857-9727.

As you ship your goods across the globe, We at metrobank can readily assits you in
pre-shipment funding needs as well as post shipment needs.


Directory of Trade processing hubs
 

Metrobank Group offers superior benefits for corporate clients who provide insurance
protection to their employees through the Group Insurance Program of AXA Philippines,
a subsidiary of Metrobank and a joint venture with the Global AXA Group of France,
global expert in insurance and investments, and one of the largest life insurance
companies in the world.

All of AXA’s products are available through our unique financial planning service in
the branch. Just look for the AXA Financial Executive assigned in your branch.

DISCLAIMER: The financial products of AXA Philippines are not insured
by The Philippine Deposit Insurance Corporation (PDIC) and are not guaranteed by Metrobank.

BIR eFPS Tax Payments

Metrobank, as an Authorized Agent Bank (AAB) for the Bureau of Internal Revenue’s Electronic Filing and Payment System (eFPS), allows you to electronically pay different tax returns online, just like you do business and banking online.  With just a few points and clicks, paying your taxes is now even more convenient, secure, fast and easy. 

With eFPS, you don't have to enter your company's basic data each time you pay.  Attachments in MS Excel file format are also accepted, however, the taxpayer first has to download the "validation program" of eFPS at the BIR website.  And most importantly, we do not collect fees for enrollment or usage.

To start using eFPS, you must enroll online and wait for BIR's confirmation of your enrollment.  Visit BIR EFPS website at https://efps.bir.gov.ph/index.html and click the "Enroll to eFPS" link.  With BIR's enrollment confirmation, you may already enroll in Metrobankdirect Corporate to get started on your BIR e-payment. 

SSS Contributions and Payments

To remit your employees' contributions and loan payments to the SSS in one swift and secure process, use the BancNet EDI system.  All SSS-registered member-employers who have existing accounts in any Metrobank branch are qualified to enroll in this facility free of charge. Simply click on the hyperlink that will take you to the BancNet EDI system and send your contributions and payments online conveniently and securely.

                                                                         <<Back 

Welcome!

• PERSONAL BASIC BANKING
  
  
• PERSONAL FOREIGN CURRENCY DEPOSIT ACCOUNT
  
  
• FUN SAVERS CLUB
  
  
• CORPORATE BASIC BANKING
  
  
• CORPORATE FOREIGN CURRENCY DEPOSIT ACCOUNT
  
  
• PESO INTEREST RATES
  
  
• FOREIGN CURRENCY INTEREST RATES

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Download 2005 Annual Report

Metrobank is a leader and prime mover in government securities trading. But apart from dealership in government securities we also have the expertise and the capability to provide clients access to a wide array of investment products with various tenors and competitive yields. We are also committed to quote both buying and selling rates on the investment products we offer.

To compute for the value of your investment, multiply the number of units in your
Confirmation of Participation (COP) with the NAVPU.

>> OFW HOME >> OFW NEWS AND ANNOUNCEMENTS

Credit to Metrobank Account and World Cash Card 
This is ideal for clients who have been issued with the World Cash Card and/or who maintain a Peso or Dollar account with any Metrobank branch.  Clients are assured of fast and easy transfer of funds with real-time crediting of Metrobank accounts. 

Click here to see list of remittance charges / fees.

Credit to Accounts with Other Local Banks
Metrobank also caters to clients, who maintain accounts with other local banks.  Remittances may be deposited online for peso remittances or via clearing if payments are in Dollars.  Online deposits are credited to the account within 24 hours of the deposite while funds are delivered next day to other banks if via clearing.

Cash Pick-up at Metrobank Branch
This is perfect for clients who do not have an account with Metrobank but would like to use our extensive branch network in claiming their remittances.  Funds are made available instantaneously; it can be claimed by their beneficiaries at over 580 Metrobank branches nationwide.  

Click here for our branch locator. 

Door-to-Door Cash Delivery
Overseas Filipinos may now send remittances directly to their homes.  With Metrobank's Door-to-Door Cash Delivery, beneficiaries will have the convenience of getting their funds delivered by the accredited courier right at their footsteps.

Available from Mondays to Sundays, remitters can be assured of an easy and hassle-free transfer of funds to their beneficiaries.  The constant addition of new couriers ensures further coverage of Metro Manila and provincial areas in the country. 

To know where we deliver, Click here

Cash Pick-up Anywhere
Metrobank has partnered with M. Lhuillier Pawnshop, Cebuana Lhuillier, and Globe GCash in order to further reach and cater to beneficiaries of OFWs even beyond banking hours.  Remittance can be picked up using a single reference number at any MLhuillier Pawnshop, Cebuana Lhuillier, Globe GCash via Globe Business Centers and Globe GCash via Villarica Pawnshops nationwide.


Sending of Remittances via International Money Transfer Tie-Ups
These companies have agents (receiving and payout) worldwide located in banks, retail stores, malls, and other places.  They have a centrally-located database that can be accessed via Internet with a commitment that money is received in just minutes after it is sent.  International money transfer tie-ups include Coinstar Money Transfer, Remit Worldwide (Bank of New York Mellon), Xoom Corporation (Xoom Global Money Transfer), MoneyGram, Uniteller-Wells Fargo and soon, Express Money. 

Bills Payment 
Pay for loan amortizations, insurance premiums, Pag-ibig, and SSS payments and contributions, and other bills through any Metrobank foreign branch or office.  Click here to see our list of billers / merchants.


Shipping Payroll Services 
Shipping companies can opt to course their seafarer's payroll through Metrobank for credit to Metrobank Peso or Dollar accounts or to their other accounts with other local banks.


E-Banking (MetrobankDirect)
OFWs and beneficiaries can enroll their OFW accounts (Peso and Dollar) in MetrobankDirect for balance inquiry, statement viewing, and bills payment.


Mobile Banking
OFWs and beneficiaries can also enroll their OFW accounts (Peso and Dollar) using mobile banking for balance inquiry, fund transfer, cellphone load purchase, statement viewing, and bills payment.

 

REMITTANCE INQUIRIES:   HOW TO REMIT | FEES AND CHARGES | CONTACT US

Feel free to send your comments, queries, and suggestions through our Contact Us section found at the left-hand menu when you log in to metrobankdirect, or address it to help@metrobank.com.ph.

OR

E-Banking Customer Service Hotline  (632) 8700-700 or Domestic Toll-free 1-800-10-1888-5775 (for provincial areas only).

Experience the ultimate convenience with Metrobank Mobile Banking!  Now, you can make these secure transactions using your phone anytime, anywhere --

• Send load to any network
• Inquire about your account balance
• Pay your bills like credit cards, utilities, and insurance fees
• Transfer funds to other Metrobank accounts enrolled in Mobile Banking
• Request for your transaction history
• Change your mobile PIN
  

Enroll Now!

1. Visit your Metrobank branch.  Proceed to the New Accounts desk and fill out an enrollment form.
2. A text message will be sent to your phone with instructions on how to download and activate the application.
3. Download the Metrobank Mobile Banking application.  You may now make your first transaction!

Save yourself the time and effort for just Php1.00* per transaction.  Start banking the safe and stress-free way with Metrobank Mobile Banking!

*Regular SMS charges apply
*International roaming rates apply for transactions done outside the Philippines

For Smart Menu-based Mobile Banking, please click here.

Terms of Use



FREQUENTLY ASKED QUESTIONS

1. What is Metrobank Mobile Banking?
2. What transactions are available via Metrobank Mobile Banking?
3. How secure is it to do banking transactions via Metrobank Mobile Banking?
4. Is Metrobank Mobile Banking available 24 hours a day?
5. May I use any cellphone brand/model?
6. Why is GPRS and MMS activation required?
7. How do I activate the GPRS/MMS capability of my mobile phone?
8. I tried to download the link but I received the error “Packet Data Unavailable” or “subscribe to packet data first”, what does this mean?
9. While trying to download the link, the screen displayed this message “the link you are trying to download has expired.
10. Is there a service charge for enrolling in this facility?
11. How fast is the response time of Metrobank Mobile Banking?
12. What benefits can I derive from Metrobank Mobile Banking?

ENROLLMENT
13. Who may enroll to Metrobank Mobile Banking?
14. Is the service available to other Globe or Smart affiliates?
15. How do I begin using the Metrobank Mobile Banking Facility?
16. May I enroll my account using more than one mobile phone?
17. May I enroll more than 1 account in my mobile phone?
18. Do I have to have an email account to avail of this service?

FUND TRANSFER
19. May I transfer funds to my other accounts maintained at other Metrobank branches?
20. May I transfer funds to another person's Metrobank account?
21. May I transfer funds to accounts maintained at other banks?
22. Is there a limit to the amount I can transfer?

BILLS PAYMENT
23.  What merchant establishments may I pay through Metrobank Mobile Banking?
24. Do I need to enroll the bills I will pay thru Mobile banking?

PREPAID RELOAD
25. What airtime denominations may I load?
26. Can I reload someone else's phone?

OTHER INQUIRIES

27. Can I still use the mobile banking service when I change my cellphone unit?
28. What will I do if I forgot my MPIN and my mobile banking service was locked?
29. What do I need to do to deactivate my Mobile Banking service if in case my phone got lost or stolen?
30. What do I do if I want to enroll additional accounts whether my own or another person’s account?
31. Who do I call if I have queries regarding the service, like failed transactions, functionalities, etc.?

1. What is Metrobank Mobile Banking?

This is the bank's enhanced service delivery channel which allows you to do various banking transactions using your mobile phone through an applet or application downloaded to your phone.  No need to change anything, be it your SIM card, telecom provider or mobile number.

2. What transactions are available via Metrobank Mobile Banking?

• Inquire Balance
• Transfer Funds (to your own or other person’s account)
• Pay Bills
• Buy Prepaid Load (Globe, Smart and Sun - yours or someone else’s)
• Request Transaction History
• Change MPIN

3. How secure is it to do banking transactions via Metrobank Mobile Banking?

Security is one of the first things we considered in developing Metrobank Mobile Banking. For one thing, all transactions require you to key in your MPIN.  Also, firewalls are used to prevent any unauthorized access to information and all messages go through an encryption process to ensure its security.

4. Is Metrobank Mobile Banking available 24 hours a day?

Yes, Metrobank Mobile Banking is available 24 X 7.

5. May I use any cellphone brand/model?

You may use any Java-enabled cellphone unit that is MMS/GPRS ready.   As of the moment, iPhone and Windows-based mobile phones are not yet supported.  Enhancements are being developed to support these units.

6. Why is GPRS and MMS activation required?

The GPRS activation is required only once during downloading of the applet as this requires internet connection.

7. How do I activate the GPRS/MMS capability of my mobile phone?

GPRS and MSS settings can be activated by requesting from your telecom provider either thru their Customer Service hotlines or over-the-air by texting command set by Telco.  Below are the respective Hotlines and commands for each Telco provider:

Smart GPRS

GPRS setup guide is available through the www.smart.com.ph 

1. Go to www.smart.com.ph 
2. Click Get Support
3. Click Frequently Asked Questions
4. Click on the question “What are the common SMART GPRS and MMS settings?
5. Scroll down the page and follow the instruction on how to manually configure your phone settings

Over the Air activation

1. Identify your handset model (Nokia, Sony Ericson, Samsung, etc.) e.g. Nokia 6500.  To identify which handsets are supported, you may text SET LIST and send to 211.
2. To download 3G/MMS/GPRS settings Key in SET and send to 211. e.g. SET N6500 and send to 211
3. Smart will send the settings and will prompt you to save the settings, once you click save on your handset, it will ask you to enter a PIN. The default PIN is 1234.
4. Smart will send a message that you have successfully activated your GPRS.
5. For More info: Smart customers may call SMART’s hotline at 888-1111 or using their cell phone *888.

GPRS Rate/Cost
Standard:  PhP10 every 30 minutes

Globe GPRS

GPRS setup guide is available through  www.globe.com.ph

1. Go to www.globe.com.ph
2. Click Customer Service
3. Click Phones and Devices
4. Click Configuration Guide
5. Scroll down the page and choose your Phone Brand e.g. NOKIA
6. Choose your specific Phone Model e.g. NOKIA 6500
7. Click save file to download the instructions on how to manually configure GPRS in your phone

Over the Air activation

1. Text Go handset model ,,1234 to 2951 
    Ex. Text GO Nokia 6300,,1234 then send to 2951
2. User will receive a configuration message from 2951
3. Click options and choose save
4. Click YES to save settings in your Phone

Customer Hotline

1.  Call 730-1000 and talk to a customer service representative
2.  Ask for the Customer service representative to send you the GPRS settings
3.  Once you receive the settings, click save and type 1234 as default PIN

Cost of sending activation SMS is FREE.
Cost of using GPRS is PhP.15/KB or Php 5.00 for 15 minutes
Time based GPRS is PhP5/15minutes. Text TIME to 1111 to activate time-based browsing.
Volume based GPRS is Php0.15/KB.  Text KB to 1111 to activate volume-based browsing.

Sun Cellular GPRS

GPRS setup guide is available through the www.suncellular.com.ph

1. Go to www.suncellular.com.ph
2. Click Customer Service
3. Under the FAQ section click PHONE CONFIGURATION GUIDE
4. Choose the manufacturer of your Phone and choose the phone model
5. Click save to download the instruction guide to manually configure your phone

Customer Hotline

1. Call 395-8000
2. Ask for customer representative to send you the configuration settings; Customer service representative can also guide you to configure your phone manually.
3. Text ACTIVATE to 2300.

8. I tried to download the link but I received the error “Packet Data Unavailable” or “subscribe to packet data first”, what does this mean?

This means that your phone’s GPRS/MMS settings are not yet activated.

9. While trying to download the link, the screen displayed this message “the link you are trying to download has expired. 

To request for a new link, text Metrobank get and send it to 0917-851-MBTC(6282)”

The link has an expiry of 7 days, just follow the instructions on the message to request for a new link.

10. Is there a service charge for enrolling in this facility?

Enrollment is free of charge, however, there will be a minimal Php 1.00 charge per successful transaction debited from your account on top of the regular text messaging charges applied by telco providers.  The Php 1.00 transaction charge is just sufficient to cover cost for our SMS confirmation to your transactions.  Even with the Php 1.00 transaction charge, Metrobank Mobile banking is still the cheapest in the industry.

11. How fast is the response time of Metrobank Mobile Banking?

The average response time for transactions is 15 to 45 seconds.

12. What benefits can I derive from Metrobank Mobile Banking?

• Convenience 
       -No need to line up at branches or payment centers
       -Transact anytime, anywhere
       -Stay connected - no more running out of load
       -Pay bills on time
  
• Affordability
       -Minimal fee of P1.00 plus savings on transportation costs

ENROLLMENT

13. Who may enroll to Metrobank Mobile Banking?

Metrobank Mobile Banking is available to all individual Metrobank clients with peso savings and current accounts and with active subscription to any of the Telco providers (Globe, Smart and Sun). 

14. Is the service available to other Globe or Smart affiliates?

Yes even subscribers of sub-brands of major telco carriers are supported (Talk and Text, TM, etc.)

15. How do I begin using the Metrobank Mobile Banking Facility?

• Simply visit your depository branch, approach the New Accounts desk and fill out the Metrobank Mobile Banking enrollment form.  Have the New Accounts Clerk (NAC) process your enrollment.
• Key in your nominated MPIN and once processed, you should receive a text message advising you of the steps you need to do to download and activate the mobile banking application on your phone. 
• If the registration is successful, you will receive a text confirming the activation of your mobile phone to Metrobank Mobile Banking, after which you may start using your Metrobank Mobile Banking applet immediately.

16. May I enroll my account using more than one mobile phone?

Yes, enrollment of an account using more than 1 mobile phone is allowed.  All you have to do is to indicate your other mobile phone numbers on the enrollment form.

17. May I enroll more than 1 account in my mobile phone?

Yes, you may enroll multiple accounts to be accessed in one mobile phone.   Just indicate your bank account number(s) on the enrollment form.

18. Do I have to have an email account to avail of this service?

No, an email account is not a mandatory requirement.

An email address is optional.  This will just serve as a back-up for all the notification messages you will receive when you start using the service.  Aside from duplicate SMS for transaction notification, you will also receive enrollment status such as approval of requests and other notification related to the service such as maintenance schedules and service updates.

FUND TRANSFER

19. May I transfer funds to my other accounts maintained at other Metrobank branches?

Yes, fund transfers may be made to accounts under your own name and maintained at other Metrobank branches provided that they are enrolled as well to the mobile banking service.

20. May I transfer funds to another person's Metrobank account?

Yes, fund transfers may be made to another person's Metrobank account provided that it is first enrolled as a target account under Metrobank Mobile Banking.

21. May I transfer funds to accounts maintained at other banks?

No, fund transfers may only be made to and from Metrobank CASA accounts.

22. Is there a limit to the amount I can transfer?

You may transfer a maximum amount of P40, 000.00 per day from each source account.

BILLS PAYMENT

23.  What merchant establishments may I pay through Metrobank Mobile Banking?

Credit Cards

Metrobank
Standard Chartered
Security Bank / Diners
HSBC
Citibank

Utility

Manila Water
Maynilad
BATELEC
VECO
Balibago Waterworks
Laguna AAA Water Corp.


Internet Provider

Destiny Cable-Internet

Telecom

Liberty Telecoms
Smart
Sun Cellular

Insurance

Phil. Charter Life Insurance Corp.
Himlayang Pilipino Plans
PAMI (Passenger Accident Management and Insurance Agency, Inc.)
Philippine AXA Life


Schools

St. Paul College - Pasig
University of Sto. Tomas
DLSU - Dasmariñas
Immaculate Conception Academy
Indiana Aerospace University
Our Lady of Fatima University
Silliman University
University of Cebu (Main, Banilad, Lapu-Lapu and Mandaue)
Universidad de Zamboanga


Real Estate

Shangri-La Boracay Resort and Spa
Bay Gardens Condominium, Corp.
Filinvest Land

Others

First Metro Securities Brokerage Corp.
Essilor Phils.
Citiseconline.com, Inc.
E-Prime Business Solutions Inc.
Pag-Ibig Fund
Father Al's Children Foundation
Coke
SKYY Services
Victory Liner Inc.
Thinking Tools
Toyota Financial Services
Globall Business Holdings
Liberty Broadcasting Network
Red Ribbon Bakeshop Inc.
Lenddo Lending Corporation
King Solomon and Associates
 

(And soon more billers will be added to the list.)

24. Do I need to enroll the bills I will pay thru Mobile banking?

No, enrollment of billers are not required.  You may pay yours or someone else’s bills regularly or just one time as needed.  However, it will be more convenient to save the biller account details for bills you regularly pay.  You may do this in your Mobile Banking applet yourself by just choosing the “Yes” on the Save Biller Account field the next time you pay that particular bill.

PREPAID RELOAD

25. What airtime denominations may I load?

Globe (& TM)	Smart (& TnT)	Sun Cellular
Php 30.00	Php 30.00	Php 30.00
Php 50.00	Php 50.00	Php 50.00
Php 100.00	Php 100.00	Php 100.00
Php 150.00	Php 200.00	Php 150.00
	Php 300.00

26. Can I reload someone else's phone?

Yes, aside from your own phone, you may reload someone else’s phone.  For added convenience you may select the phone number you wish to load by choosing from your phone’s contact folders.  If you regularly send load to this mobile number you may save the details by just choosing the “Yes” on the Save field the next time you send load to that particular mobile number.

OTHER INQUIRIES

27. Can I still use the mobile banking service when I change my cellphone unit?

Yes, you may still use the Metrobank’s Mobile Banking service since it is your Mobile No. (SIM) that is enrolled.  You just need to redownload the applet to your new phone.  You may do this by sending the following message:

“Metrobank GET” and send to 0917-851MBTC (6282)

Just follow the same procedure as you did when you first downloaded the applet.  You will be required again to nominate a new 6-digit MPIN, this time the current MPIN will be the MPIN you used in your old cellphone.

28. What will I do if I forgot my MPIN and my mobile banking service was locked?

You may request for a reset of your MPIN.  Currently, resetting of MPIN may only be done thru the depository branch where you enrolled your mobile banking service.  But later on, once development has been completed, MPIN reset may also be done thru Metrobank ATMs.

29. What do I need to do to deactivate my Mobile Banking service if in case my phone got lost or stolen?

For clients enrolled using a pre-paid SIM:

You may request for immediate suspension of your mobile banking service.  Currently, termination of mobile banking service many only be done through the depository branch where you enrolled your mobile banking service.  But later on, once development has been completed, termination may also be done through Metrobank ATMs.  To continue using Metrobank’s Mobile Banking service, you may enroll your new number (SIM).

For clients enrolled using a post-paid-paid SIM:

You may request for immediate suspension of your mobile banking service.  Currently, termination of mobile banking service many only be done through the depository branch where you enrolled your mobile banking service.  But later on, once development has been completed, termination may also be done through Metrobank ATMs. Once you have your new SIM (same post-paid number) you may again reactivate your mobile banking service thru your depository branch where you enrolled your mobile banking service, you just need to redownload the applet to your new phone.

30. What do I do if I want to enroll additional accounts whether my own or another person’s account?

Enrollment of additional accounts whether your own or someone else’s, are currently being processed at the depository branch where you enrolled you mobile banking service.  But later on, once development has been completed, subsequent account enrollment may also be done thru Metrobankdirect and Metrobank ATMs.

31. Who do I call if I have queries regarding the service, like failed transactions, functionalities, etc.?

You may call or contact us thru any of the following:

Contact Center Hotline – (632)8700-700
Domestic Toll-free Landline (for provincial areas) – 1-800-1888-5775
Email Us at – help@metrobank.com.ph

For your peace of mind, Metrobank Group offers life insurance products through our subsidiary, AXA Philippines, a joint venture with the Global AXA Group of France, global expert in insurance and investments, and one of the largest life insurance companies in the world.

All of AXA’s products are available through our unique personal financial planning service in the branch. Just look for the AXA Financial Executive assigned in your branch.

Traditional Life Insurance Products
With these limited-pay whole-life plans, you can enjoy lifetime insurance protection but be free from a lifetime of paying premiums! Plus, the guaranteed benefits you will be entitled to will allow you to plan ahead for the rest of your life.

• Assure
• Saver

Investment-Linked Products (ILPs) or Unit-Linked Products (ULPs)
These investment-linked products give you a double-edged advantage: the protection of a life insurance plan and the flexibility of an investment. The nature of these products gives you greater opportunities for financial gain, as well as the freedom to choose your investment instruments, depending on your risk appetite.

• COLLEGE PLUS
• Kid
• HONEY (PhP or US$)
• HONEY Peso Five
• HONEY Peso Easy Five
• HONEYPot (PhP or US$)

DISCLAIMER: The financial products of AXA Philippines are not insured by The Philippine Deposit Insurance Corporationn (PDIC) and are not guaranteed by Metrobank.

Bank in the comfort of your home or office with Metrophone Banking. Metrophone Banking is available daily, even during Sundays and holidays.

Just dial 5-8000 or domestic toll free 1-800-1-888-5800 on a touch tone phone to transact. An automated voice response system will guide you through and ask you for your account number and Metrophone Access Code (MAC).

Enroll your account in Metrophone Banking and you can do any of these transactions…

• Inquire your account balance or the last three transactions you did on your
  account, regardless of whether you did it at the branch, through the ATM,
  phone, or Internet.
  
  
• Pay bills. See list of merchants.
  
  
• Transfer funds from your account to another, whether yours or somebody else’s,
  regardless of the branch where that account was opened.
  (Note: Be sure to enroll the other account where you want to transfer funds to.)
  
  
• Order another checkbook. The cost of the checkbook will be debited from your account.
  
  
• Request for a Bank Statement. This will be sent to you by fax. A very minimal charge
  will be debited from your account for provincial requests.
  
  
• Change your MAC to secure your access to your enrolled account.
  
  
• Talk to our live agent for any concerns, suggestions, and comments you may have
  about your transaction or our products and services.

To know the other fees and charges related to your use of the Metrophone Banking,
see our Table of Charges and Fees. 

For more inquiries, you may Contact Us,
or you may visit your nearest local Metrobank branch

We want to be with you wherever you are, that’s why we have products to help you with your cash or purchase requirements whenever you travel. Whichever way you want to spend, via check, credit card, debit card, or cash, we have options to let you follow your jet-setting lifestyle in simple and convenient ways.

Travelers Checks
Travelers Checks allow you the security of having cash without the usual worries of its getting lost. Metrobank offers Travelers Checks from AMEXCO in various currencies.

If you want to know more about the fees and charges related to purchasing Travelers Checks, see our Table of Charges and Fees.

For more information, please call First Metro Travel at tel. nos. 816-3701 to 10.

Credit Cards
When on a trip, it’s always good to have a ready source of credit that you’re sure would be accepted in many establishments around the world. And with our free travel benefits, you’ll have even more reason to get one of our Visa or MasterCard cards today.

Metrobank E.T.
If you really need to pay in cash abroad, then just go to a Cirrus-Maestro ATM and use your Metrobank E.T. card to withdraw cash in that country’s currency. It’s that simple!

Here’s more: using the same card, simply go to any establishment bearing the Maestro sign, and pay using your ATM—no need to use your precious dollars. You might need to use them for other things.

Section I. NATURE OF metrobankdirect
 
I (the Customer) acknowledge that metrobankdirect is a facility granted by you (Metrobank) which I may avail of for as long as it is offered by you, and provided that I continue to be qualified under your terms and conditions.

While metrobankdirect is available 24 hours a day, some or all of the services may not be available at certain times due to maintenance, computer, telecommunication, electrical, or network failure and/or any other reasons beyond your control.
 
 
Section II. PROPRIETARY INTEREST
 
You are the sole owner of all the information and materials (including any enhancements or modifications) used in, or derived from, providing me with metrobankdirect (including, without limitation, your website).

I recognize your proprietary interest in metrobankdirect and agree that:

metrobankdirect shall be used only for its intended purpose. I shall not disassemble, decompile, copy, modify or reverse engineer the software or allow anyone else to do so.

Any information relating to the use of metrobankdirect, except those which are of public knowledge, shall not be disclosed to any other party.

Section III. DISCLOSURE
 
If you are served with a subpoena or other legal process in connection with my relationship with you which may require the disclosure of any information or material related/incidental thereto, you shall notify me thereof, and I shall cooperate in the implementation thereof, except if I am lawfully contesting the legality of the same.

In case you shall be required by any government agency to disclose my relationship with you, you shall notify me of such requirement on a best effort basis prior to any such disclosure.

Section IV. SECURITY
 
You shall use reasonable effort to ensure that metrobankdirect is secured and cannot be accessed by unauthorized third parties. However, you do not warrant the security, secrecy or confidentiality of any information transmitted through any Internet service provider, network system or such other equivalent system in any jurisdiction.

I am deemed to have sole access to my accounts through metrobankdirect.

I shall be responsible for keeping my Customer ID and Password confidential. I am requested to change my initial password upon initial log-on. I shall not disclose my Customer ID and Password to any unauthorized person and shall take the necessary steps to prevent the discovery of my Customer ID and Password by any unauthorized person.

I shall notify you immediately upon receipt of any data or information through metrobankdirect, which is not intended for me and, when possible, shall delete such data or information from my terminal immediately. I shall ensure the strict confidentiality of such information. 
 
  
Section V. LIMIT ON LIABILITY
 
You reserve the right to determine the scope of metrobankdirect, set or change the daily cut-off time, modify, restrict, withdraw, cancel, disconnect, deactivate, suspend or discontinue any or all services without prior notice to me.

You shall not be liable to me for my inability to use metrobankdirect or to access your website, for any unauthorized actions or transactions using my Customer ID and Password, or for any other cause beyond your control, such as but not limited to, problems due to computer hardware or software (including viruses and bugs) or related/incidental problems that may be attributed to the services provided by any service provider or information service provider.

I shall provide you with a correct and operational e-mail address. You shall not be liable for any undelivered e-mail communication or any cost that I may incur for maintaining an Internet access and an e-mail account.

I shall promptly notify you of any change in my e-mail address, contact numbers, home or business address or any other information which may affect communication.

You shall not be liable for any loss or damage in connection with any unauthorized interception or use of data relating to me or to my account(s), including the missending thereof.

I authorize you to act upon any instruction, which are identified by the use of my Customer ID and Password. You shall be responsible for acting only on those instructions sent through metrobankdirect, which are actually received and I agree that you do not assume any responsibility for malfunctions in communications facilities not under your control that may affect the timeliness or accuracy of the instructions sent.

Upon your receipt of my instruction(s), you may implement them at your absolute discretion. You shall be entitled to treat and consider as valid and binding on me any instruction given or agreement made with you, through the internet by any person using my Customer ID and Password, including without limitation, any transfer to a third party account maintained with you. You shall neither be liable for such instructions nor be obliged to investigate the authenticity or authority of the persons sending my instructions nor verify the accuracy and completeness of my instructions. Such instructions shall be deemed correct, complete, irrevocable, and binding upon me upon your receipt thereof. I hereby accept full responsibility for all transactions executed via metrobankdirect and in particular, in ensuring the accuracy and completeness of my instructions.

You shall be entitled but not obliged to verify any instructions given through the use of my Customer ID and Password by sending e-mail online or via telephone or any other means.

I agree that you may, without notice and without stating the reason therefor, cancel or refuse to execute any of my instructions at any time without incurring any liability.

You shall not be liable for any and all liability(ies), claim(s), suit(s), damage(s), expense(s), and/or any other cost(s) that may arise by making available to me my statement(s) of account from Unibancard Corporation (Unibancard), such as but not limited to erroneous statement(s) of account and access to a statement(s) of account intended for a different person(s). I agree to bring up any such omission(s)/error(s) with Unibancard.

I shall be solely liable for any losses or damages that I may incur:

for any discrepancies, omissions, inaccuracies or incorrect entries in your statement that I did not immediately report to you;

if I acted fraudulently or negligently, including failing to properly safeguard my Customer ID and Password;

if I failed to immediately report any unauthorized transaction(s) made;

if for some reason and without fault on your part, my bills remain unpaid and the biller discontinues/cancels my coverage;

if my instruction is not implemented and I fail to promptly report it to you.

You reserve the right to deactivate me from metrobankdirect without prior notice due to mishandling of accounts as defined by the your standard operating procedures or, if in your judgment, my continued access of metrobankdirect may adversely affect the credibility/security of the system. While such deactivation may be temporary, you reserve the right to permanently delist me from metrobankdirect.

I agree that check deposits to my account(s) enrolled in the metrobankdirect, other than Metrobank (MBTC) checks deposited and drawn on the same branch, shall have an additional one (1) day for clearing.

I understand that if my account is a “Cash Basis Only” (CBO) account, I can only do limited transactions like bills payment, account inquiry, and other non-monetary transactions. I may avail of the complete services of metrobankdirect upon regularization of my account.

In case of future-dated transaction, I shall verify if the same has been implemented by metrobankdirect. If not, I shall notify you immediately. 
 
  
Section VI. SHARING OF INFORMATION
 
To avail of the full benefits of metrobankdirect and to enjoy the whole spectrum of services from the MetroBank Group that I may wish to avail of, I authorize you to share information regarding my personal circumstances with your subsidiaries, affiliates, representative offices, agents or other authorized third parties you may select.

I shall notify you in writing, which must be duly acknowledged by your E-Banking Division, if I do not wish the information regarding my personal circumstances to be shared with your subsidiaries, affiliates, representative offices, agents, or other authorized third parties you may select. 
 
 
Section VII. AMENDMENT
 
You may amend/supplement this Agreement from time to time without prior notice to me. 
 
 
Section VIII. TERMINATION
 
You may terminate this agreement once my account is closed, dormant, garnished, escheated, or for whatever reason, without the need of prior notice to me.
 

Section IX. CONSENT TO THE TERMS AND CONDITIONS
 
By using metrobankdirect, I accept and agree to be bound by the terms and conditions governing metrobankdirect, its nature, functionalities and operating features and to pay any applicable fees associated with the use of the same.

I understand that any subsequent enrollment to metrobankdirect shall be covered by the same terms and conditions.

I likewise agree to be bound by any and all laws, rules, regulations and official issuances applicable to metrobankdirect now existing or which may hereinafter be issued or communicated by you through whatever means, as well as such other terms and conditions governing the use of other facilities, benefits, or services which you may make available to me in connection with metrobankdirect, including the full provisions in the Privacy and Security document available in your website, the salient features of which are incorporated in this Terms and Conditions.