Special Offers

Receive at least 3 transfers and get rewarded

Simply receive InstaPay transfers per month from other banks or e-wallets and get up to PHP 300 in cash gifts!​

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Promo MechanicsTerms and ConditionsDownload the Metrobank App

Promo Mechanics and Offer

  1. Promo Period
    The Metrobank Receive, Reward, Repeat Promo 1 (“Promo”) runs from August 1 to October 31, 2026 (“Promo Period”).

  2. Eligibility
    The promo is open to select Metrobank deposit accountholders (“Eligible Clients”) who have:
    1. Registered an active email and/or local mobile number with Metrobank;

      The Bank will not be liable if the client provided an invalid email address or mobile number. To receive updates about the promo, clients must ensure their registered email address and mobile number with Metrobank are updated and active. Contact information can be updated by visiting any Metrobank branch or by following the instructions here:
      https://www.metrobank.com.ph/articles/update-your-mb-contact-info-online

    2. Received an official promo notification via email and/or Viber or SMS;
    3. Have at least one (1) existing and active Metrobank Personal Peso Deposit account.

  3. Promo Mechanics
    To qualify for the promo, eligible clients must receive funds of at least PHP 100 from another bank or e-wallet account via InstaPay in any of their Metrobank Personal Peso Deposit account/s (“Qualified InstaPay Transfer”) at least three (3) times in a month (“Transaction Period”).

    Qualified InstaPay Transfers received are counted per eligible client. If an eligible client has multiple Metrobank Personal Peso Deposit Accounts, all Qualified InstaPay Transfers received across these accounts will be combined and counted per client, not per account owned.

Promo Offer

Eligible clients who received at least three (3) Qualified InstaPay Transfers per Transaction Period may earn a PHP 30 cash gift for the first three (3) successful transactions. An additional PHP 10 cash gift will be earned for every Qualified InstaPay Transfer thereafter, capped at PHP 100 cash gift or equivalent to 10 Qualified InstaPay Transfers per month. A client may earn up to PHP 300 for thirty (30) Qualified InstaPay Transfers throughout the Promo Period.

Promo Transaction Period and Crediting

Eligible clients with Qualified InstaPay Transfers will be notified via email and/or SMS within seven (7) banking days from the Cash Gift Crediting Date**. The cash gift will be credited to the client’s most recently opened and active Metrobank Personal Peso Deposit account.

Terms and Conditions

  1. Only clients whose email and/or mobile numbers are updated/registered with Metrobank and who receive an official promo notification via email and/or Viber or SMS during the Promo Period are eligible for the offer.
  2. Participation in the Promo does not require registration. Eligible clients automatically qualify upon meeting the promo requirements.
  3. The Promo is applicable to Metrobank Personal Peso Deposit Accounts only, including Payroll Accounts.
  4.  Only successful and posted InstaPay inbound transactions will be considered as valid Qualified InstaPay Transfers. Failed, reversed, or canceled transactions, funds received from another Metrobank account or product or branch, and those worth less than PHP 100 are ineligible for the reward.
  5. Clients must complete at least three (3) Qualified InstaPay Transfers within each Transaction Period to be eligible for the reward. Qualified InstaPay Transfers are counted per eligible client, regardless of the number of transfers they receive across their active personal peso deposit accounts.
  6. Each client may earn reward/s per Transaction Period subject to the applicable maximum monthly cash gift. Transactions above the maximum limit of 10 times per Transaction Period cannot be carried over to the next Transaction Period.
  7. Metrobank reserves the right to verify the eligibility of each client and his/her Qualified InstaPay Transfers.
  8. The reward will be credited to the client’s most recently opened and active Metrobank Personal Peso Deposit account within the Cash Gift Crediting Date. In case the client’s most recently opened Metrobank Personal Peso Deposit account is inactive or closed during the awarding, the cash gift will be credited to his/her next active Metrobank Personal Peso Deposit account.
  9. Metrobank may withhold or forfeit the cash gift if, at the time of validation and crediting, the client’s Metrobank Personal Peso Deposit accounts are closed, dormant, blocked, restricted, or otherwise ineligible to receive the reward.
  10. Metrobank may disqualify any client, withhold, reverse, or recover any cash gift credited in error or obtained through fraudulent, abusive, suspicious, or unauthorized activity, including but not limited to artificial transaction generation, misuse of the Promo, or any violation of these Terms and Conditions or applicable laws and regulations.
  11. The Promo is non-transferable, non-assignable, and cannot be used in conjunction with other ongoing Metrobank deposits promotions similar to the Promo Mechanics, unless otherwise stated.
  12. The offer under this Promo is final and cannot be modified or negotiated.
  13. Metrobank shall not be liable for delays or inability to process transactions due to system maintenance, service interruptions, force majeure, or events beyond its reasonable control, provided it exercises reasonable care in the performance of its obligations.
  14. If a cash gift is erroneously credited due to system error, technical issue, or client ineligibility, Metrobank reserves the right to reverse the erroneous credit after providing notice to the client, where practicable and consistent with applicable laws and regulations.
  15. By participating in the Promo, the client acknowledges that Metrobank will process his/her personal information for purposes of administering the Promo, validating eligibility, crediting cash gift, and complying with legal and regulatory requirements, in accordance with applicable data privacy laws and Metrobank’s Privacy Policy.
  16. Metrobank reserves the right to amend, suspend, or terminate the Promo for valid reasons, including to ensure compliance with applicable laws, regulations, regulatory directives, or to address fraud, abuse, technical issues, or circumstances beyond its reasonable control, subject to Department of Trade and Industry (DTI) and applicable regulatory approvals. Any material changes shall be communicated through Metrobank’s official channels.
  17. Any question or dispute relating to the client’s eligibility, Qualified InstaPay Transfers, or entitlement to the cash gift shall be resolved by Metrobank in good faith based on its records, subject to applicable laws, rules, regulations, and the client’s right to avail of appropriate remedies.
  18. By participating in the Promo, the client confirms that s/he has read, understood, and agreed to the Promo Mechanics and Terms and Conditions.
  19. Deposits are insured by PDIC up to PHP 1 Million per depositor.
  20. Metrobank is regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph.

CUSTOMER SUPPORT

For any questions or clarifications on the promo, clients may call Metrobank Contact Center at (02) 88-700-700 or domestic toll-free number at 1-800-1888-5775, or send an email to customercare@metrobank.com.ph.

Data Privacy Notice

Your data is in good hands. Metrobank is committed to protecting your privacy under the Data Privacy Act of 2012. We will collect and process your personal data, such as your first name, mobile number, email address, and the last four (4) digits of your account number, only to qualify you for the “Metrobank Receive, Reward, Repeat Promo 1” in line with our Privacy Policy. 

Your data will be kept for the duration of one (1) year from the promo period. This Privacy Notice may be updated as needed; we'll inform you via email. Please check this page periodically for updates.

Per DTI Fair Trade Permit No. FTEB-264108, Series of 2026

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Frequently Asked Questions

GENERAL PROMO INFORMATION 

What is this promo about? This promo rewards selected Metrobank clients with cash gifts when they receive funds from other banks or e-wallets via InstaPay into their Metrobank Personal Peso Deposit Account.
When is the promo period?

The promo runs from August 1 to October 31, 2026, divided into three (3) months or transaction periods.

Who can join the promo?

Only selected Metrobank deposit accountholders holders can join. To be eligible, you must:

1) Have received an official promo notification via email, Viber, or SMS from Metrobank; and
2) Have at least one (1) active Metrobank Personal Peso Deposit Account. 

What Personal Peso Deposit accounts are eligible? 

The following deposit products are eligible to join the promo:

Do I need to register to join?

No registration is required. You will automatically qualify once you complete the promo requirements.

Can I join even if I didn’t receive a message?

No. Only clients who received an official promo notification are eligible.

QUALIFIED INSTAPAY TRANSFERS / TRANSACTIONS 

What is a Qualified InstaPay Transfer?

A Qualified InstaPay Transfer is a successful InstaPay transfer that:

  • Comes from another bank or e-wallet
  • Is credited to an eligible Metrobank Personal Peso Deposit Account
  • Is at least PHP 100 per transfer
Do transfers from another Metrobank Personal Peso Deposit Account qualify?

No. The transfer must come from another bank or e-wallet via InstaPay.

Do transfers from another channel (PESONet, Cash Accept Machine, Deposit via Branch) outside InstaPay qualify?

No. Only Qualified InstaPay Transfers to your Metrobank account will qualify.

Will failed or reversed transfers count?

No. Only successful InstaPay transfers of at least PHP 100 that are credited to an eligible Metrobank Personal Peso Deposit Account will be counted.

If I have multiple Metrobank Personal Peso Deposit Accounts, will all transactions count?

Yes. All Qualified InstaPay Transfers are aggregated or accumulated per client, even if received in different accounts. 

Sample 1: 

Result: You received 5 Qualified InstaPay Transfers across your eligible accounts in August, qualifying you for a PHP 50 cash gift — PHP 30 for your first 3 qualified transfers, plus PHP 10 each for your 4th and 5th transfers.

Sample 2:

Result: You only received 2 Qualified InstaPay Transfers in August. Since at least 3 Qualified InstaPay Transfers are required to qualify, you will not receive a cash gift for the month.

OFFER AND MECHANICS 

How do I earn the cash gifts?

Get PHP 30 after completing THREE (3) Qualified InstaPay Transfers to any of your Metrobank Personal Peso Deposit Account per Transaction Period. You then earn an additional cash gift of PHP 10 for every succeeding transfer.

Remember that the InstaPay Transfer to your Metrobank account should be at least PHP 100.

What are the Transaction Period schedules?

Qualified InstaPay Transfers are counted based on the following transaction periods:

Do transactions carry over to the next month or transaction period?

No. Only Qualified InstaPay Transfers received within the same transaction period will be counted. Any Qualified InstaPay Transfers from a previous transaction period will not be carried over to the next one.

How many Qualified InstaPay Transfers can earn a cash gift in one transaction period?

You can earn a cash gift for up to 10 Qualified InstaPay Transfers in each transaction period. Any Qualified InstaPay Transfers beyond the first 10 will no longer earn an additional cash gift.

Is there a maximum cash gift I can earn?

Yes. You can earn up to PHP 100 in cash gifts per month or transaction period.

Can I earn cash gifts every month or transaction period?

Yes. You can earn cash gifts per month or transaction period, subject to the monthly cap.

Will I earn the cash gifts if I only complete 1 or 2 Qualified InstaPay Transfers?

No. You must receive at least THREE (3) Qualified InstaPay Transfers to any of your Metrobank Personal Peso Deposit account to start earning.

What happens after I reach the maximum cash gifts per month?

Once you reach the maximum cash gift of PHP 100 per month or transaction period, any additional Qualified InstaPay Transfers will no longer earn a cash gift. These additional transfers will also not be carried over to the next transaction period.

Can I request a different promo offer or combine offers?

No. The promo offer is pre-assigned and cannot be changed or combined with another offer. You are only eligible for the offer indicated in the official promo notification you received.

CASH GIFT CREDITING 

When will I receive my cash gifts?

You will receive the cash gifts on the following schedules below: 

Where will the cash gifts will be credited?

The cash gifts will be credited to your most recently opened and active Metrobank Personal Peso Deposit Account. 

If I have more than one Metrobank deposit account, to which of my accounts will the cash gifts be credited?

If you have more than one Metrobank Personal Peso Deposit accounts, the cash gifts will be credited to your most recently opened and active Metrobank Personal Peso Deposit Account.

What if my Metrobank deposit account is closed or inactive by the time the cash gifts are being credited?

If your most recently opened and active Metrobank Personal Peso Deposit Account is closed or inactive at the time of cash gift crediting, the cash gifts will instead be credited to the your next most recently opened and active Metrobank Personal Peso Deposit Account.

If all your Metrobank Personal Peso Deposit Accounts are closed or inactive when the cash gift is credited, the cash gifts will be forfeited.

Will I be notified once the cash gifts are credited?

Yes. You will receive an email or SMS notification once the cash gifts are credited to your account.

What if I did not receive my cash gifts?

Please contact Metrobank Contact Center at (02) 88-700-700 or domestic toll-free number at 1-800-1888-5775, or send an email to customercare@metrobank.com.ph for assistance.

ELIGIBILITY AND RESTRICTIONS

Can I still qualify if my account becomes inactive?

No. Your account must remain active and in good standing throughout the promo to qualify for the cash gift.

Can Metrobank disqualify transactions?

Yes. Metrobank may disqualify Qualified InstaPay Transfers that are found to be:

  • Fraudulent
  • Suspicious
  • Not aligned with the promo intent
Can the cash gifts be reversed?

Yes. Metrobank may reverse the cash gift if it was credited by mistake or if the client is later found to be ineligible for the promo.

Can I join other Metrobank promos at the same time?

No. This promo cannot be combined with other similar Metrobank deposit promos, unless stated otherwise in the promo mechanics.

Who makes the final decision on disputes?

Metrobank will review cases in good faith, and decisions are based on system records and applicable policies.

Got questions? We can help.