Spark your interest as you grow your savings

1. The promo is available exclusively to select Metrobank clients who will maintain the required promo ADB increase* for at least 6 months following successful promo registration.

2. During promo registration, the client must use a valid and active email address and/or local mobile number, which must match the contact details already registered with Metrobank. Metrobank will not be held liable for any issues arising from invalid or inactive contact details, including the inability to receive advisories or updates related to this promo.

3. Each client must only register once for all his/her eligible Metrobank Personal Peso Deposit Accounts. Only one promo code will be granted per client, regardless of the number of personal deposit accounts owned.

4. Clients who registered for Spark Your Interest Promo from March 15 to July 13, 2025 (per DTI Fair Trade Permit No. FTEB-217740) are no longer eligible to register for Wave 2.

5. The ADBs referred to in this promo will be determined by considering and combining the balance of all eligible Metrobank Personal Peso Deposit Accounts belonging to a single client.

6. The “Promo ADB increase” refers to the variance between the deposit account/s’ balance averaged over the 6 months prior to promo registration (”baseline ADB”) and the ADB resulting from the additional deposit/s made following successful promo registration, maintained and averaged for 6 months thereafter (”promo ADB”).

   Promo ADB Increase = [Promo ADB] - [Baseline ADB]

   Sample scenarios of ADB computation are provided below:

   SCENARIO A: Client has a single account

   SCENARIO B: Client has multiple accounts

   SCENARIO C: Client has a payroll account
   

7. The deposit/s will be deemed eligible only when the funds are from external sources and have not been part of any Metrobank accounts and products (“fresh funds”). Only fresh funds from the following external sources will be considered:

   • Interbank / e-wallet transfers via InstaPay and/or PESONet
   • Interbank checks
   • Remittance

   Cash deposits made over-the-counter (OTC) or through our cash accept machines (CAM) and funds transferred from another Metrobank account or product are not considered fresh funds and are therefore ineligible for the promo.

8. All types of Metrobank Personal Peso Deposit Accounts are eligible, except:

   • Time Deposit Accounts
   • Foreign Currency Accounts (FCDU)
   • Retail accounts tagged as DBA (“Doing Business As”), i.e., Retail accounts used for business purposes

9. Payroll accounts are eligible as long as they meet the promo requirements. Payroll credits are not considered fresh funds and therefore, will not be part of the Promo ADB increase computation.

10. Metrobank employees who maintain a Metrobank Personal Peso Deposit Account may participate in the promo, provided they meet the client and account eligibility requirements as specified in the promo mechanics and terms and conditions.

11. Business or Corporate Accounts are not considered Personal Peso Deposit Accounts and are therefore excluded from the promo.

12. Prepaid Cards are classified as e-money, which are not linked to any deposit accounts, and are therefore excluded from the promo.

13. For Joint-OR/AND Accounts and In-trust-for (ITF) accounts, the ADB will be attributed solely to the principal or primary accountholder.

14. Each primary accountholder is qualified to receive only one (1) cash gift from the promo, regardless of the number of personal deposit accounts owned.

15. If a client fails to maintain the required promo ADB increase* for 6 consecutive months from successful promo registration, s/he will not be qualified for the cash gift.

16. All disputes must be raised within sixty (60) calendar days after the cash gift has been awarded.

17. Metrobank reserves the right to disqualify a client from receiving the cash gift due to disputes arising from but not limited to, fraudulent transactions or deposits made within the promo period from non-external sources.

18. The offer under this promo cannot be used in conjunction with any other ongoing Metrobank promotions.

19. By participating in this promo, the client confirms that he/she has read, understood, and agreed to the promo mechanics and its terms and conditions.

20. The promo is subject to the terms and conditions of Metrobank. In case of dispute, the decision of Metrobank will be final.

21. Any amendment to the Terms and Conditions is subject to the approval of the Department of Trade & Industry (DTI). Clients will be notified of any changes through the appropriate channels.

22. Deposits are insured by PDIC up to PHP 1 Million per depositor.

23. 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.

---

FREQUENTLY ASKED QUESTIONS

Which accounts are eligible for the promo?

What is Average Daily Balance (ADB) and how is it calculated?

ADB is defined as the average amount that an account has over a specified time period, equal to the total cumulative balances divided by the number of days.

Example:

What if I have cash deposits, payroll credits, or fund transfers from other Metrobank accounts — how will my ADB be computed?

Cash deposits made over-the-counter (OTC) or via our cash accept machines (CAM), payroll credits, and fund transfers from another Metrobank account or product are not considered fresh funds. As such, they will not be counted toward your ADB increase for the promo.

Example:

DEFINITION OF TERMS

ADB-Related Terms

• ADB - Refers to the average amount that an account has over a specified time period, equal to the total cumulative balances divided by the number of days.

• Baseline ADB - Refers to the average of the account’s monthly ADB over the six months before the month of registration.

  For example, if a client registers in June 2025, their Baseline ADB will be the average of their monthly ADB from December 2024 to May 2025.

• Promo ADB - Refers to the average of the account’s monthly ADB over the six months after the month of registration.

  For example, if a client registers in May 2025, their Promo ADB will be the average of their monthly ADB from June 2025 to November 2025.

• Promo ADB Increase - Refers to the difference between the Promo ADB and the Baseline ADB.

  Formula: Promo ADB Increase = Promo ADB – Baseline ADB

Fund-Related Terms

• Fresh Funds - Refers to funds that are not currently held within Metrobank’s portfolio of products. Fresh funds may include: funds from other banks, remittances, and other external sources.

  Fresh Funds must be transferred via inter-bank or e-wallet fund transfer (i.e. via Instapay/Pesonet), check deposit or remittance.

Account Types

• Personal Peso Deposit Account - A deposit account primarily for individual customers, denominated in Philippine Pesos, offering both savings and checking (current account) functionalities.

• DBA Retail Accounts ("Doing Business As") - Deposit accounts opened by registered businesses operating under a trade name different from their legal business name, primarily for individual or sole proprietorship businesses.

• FCDU Account - A Foreign Currency Deposit Unit (FCDU) Account is a deposit account that holds funds in a currency other than Philippine Pesos.

• ITF (In Trust For) Account - A deposit account where one person (the trustee) holds and manages funds on behalf of another person (the beneficiary). It is commonly used for minors or dependents who cannot legally manage their own financial accounts yet.

  For ITF accounts, the trustee is considered the primary accountholder.

• Joint-OR/And Account - A deposit account held by two or more individuals (with one individual assigned as the primary accountholder), who share ownership and have defined rights regarding transactions.

  For joint accounts, ADB will be aggregated to the primary accountholder.

Accountholder Roles

• Primary Accountholder - The primary accountholder is the individual designated as the main owner and typically has greater control and responsibility over the account.

• Principal Accountholder - The principal accountholder is the primary owner of a deposit account, responsible for the account and typically possessing full transaction rights.

Promo & Monitoring Terms

• Pre-Registration Monitoring Period - Refers to the six-month period before the month of registration.

• Promo Monitoring Period - Refers to the six-month period after the month of registration.

• Registration - Refers to the process of formally registering or signing up for the promotion.

• Cash Gift - Refers to the monetary incentive offered to customers who meet the ADB increase criteria for the promo. Ranges from Php 1,500 to Php 10,000 (Php 500 is offered to the "select accountholders only").

---

Metrobank will never send links via SMS or email. Stay alert and always double-check any message you receive.