Overview
Required minimum term
5 years
Watch your funds grow over time
Required initial deposit
Php
50,000
Open an account and start earning while you're saving
Interest rate per annum
available in the branches
Visit a BPI branch near you for more details
Account features
Fixed high interest rates
Get higher rates than regular time deposits, giving you protection from ever-changing market rates.
Choose when to withdraw your interest earnings
Interest earnings are credited monthly to a settlement account or paid at the end of the 5-year term.
Tax-free interest for optimized earnings*
No withholding tax on interest earnings.
*Plan Ahead is exclusive for individual accountholders only. Pre-termination or closing of account before the 5-year term ends is subject to interest rate and withholding tax penalties.
Don't miss out on the latest promotions
Tools to assist you
Know helpful and important information before opening an account.
Open a Plan Ahead account
Check the requirements you need before you visit your nearest BPI branch.
Please bring the following account opening requirements below:
1. Proof of billing
2. Client may submit only one (1) of the following IDs:
For Filipino citizens, photo-bearing and unexpired identification documents:
- PhilID
- Identification documents issued by the Government of the Republic of the Philippines including Its political subdivisions, agencies and instrumentalities
- Other identification documents that can be verified using reliable, independent source documents, data or information
For Filipino students:
- PhilID
- School lD signed by the school principal or head of the educational institution
- Birth Certificate issued by the Philippine Statistics Authority
For foreign nationals:
- PhilID for resident aliens
- Passport
- Alien Certificate of Registration issued by the Bureau of Immigration
- Other identification documents that can be verified using reliable, independent source documents, data or information
Related articles
Similar accounts you might be interested in
| Deposits are insured by PDIC up to P500,000 per depositor. | BPI is regulated by the Bangko Sentral ng Pilipinas