Rates | EastWest Bank

Foreign Exchange Rates

Save and transact in a wide range of foreign currencies for your future trips, purchases, remittances or diversification of your savings.

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Currency	Buy	Sell

Top Bond Picks

Series Name	Issuer Name	Gross Coupon Rate	Maturity Rate	Indicate Gross Offer Rate	Indicate Net Offer Rate	Inflation Rate (As of September 2024)
FXTN 10-72	Bureau of Treasury	6.250%	25-Jan-34	5.69%	4.62%	1.90%
FXTN 2017	Bureau of Treasury	8.000%	19-Jul-31	5.675%	4.53%	1.90%
TBILL 10.01.2025	Bureau of Treasury	N/A	1-Oct-25	5.475%	4.31%	1.90%

Note: Please call for firm offer rates/price. Rates are subject to taxes and fees.

^{For further queries, please feel free to visit any EastWest Store or call EastWest SEDEX Office: 8575-3888 local 8684 and 3770}

Unit Investment Trust Funds

^{Want to know more about our UITF investments? Contact us now.}

^{Trust Marketing Contact Numbers:}^{(+632) 8575-3037}^|^8575-3020^|^8575-3022

^{Trust Marketing Email Address:}^{TrustMarketing@eastwestbanker.com}^.

Time Deposit

Peso Time Deposit

Jul 09 - Jul 15, 2024

Amount Range	30 Days	60 Days	90 Days	180 Days	270 Days	360 Days
PhP 10,000 to < 100,000	1.125%	1.175%	1.225%	1.325%	1.625%	1.625%
PhP 100,000 to < 500,000	3.550%	3.670%	3.780%	4.020%	4.020%	4.070%
PhP 500,000 to < 1 million	3.550%	3.670%	3.780%	4.020%	4.020%	4.070%
PhP 1 million to < 3 million	3.550%	3.670%	3.780%	4.020%	4.020%	4.070%
PhP 3 million to < 5 million	3.550%	3.670%	3.780%	4.020%	4.020%	4.070%
PhP 5 million to < 10 million	3.550%	3.670%	3.780%	4.020%	4.020%	4.070%
PhP10,000,000 to 100,000,000	3.7770%	3.890%	4.000%	4.200%	4.200%	4.250%

^{PhP Gross Interest Rates are subject to 20.00% p.a. withholding tax}

Long Term PhP Time Deposit

Deposit Product	2 years	3 Years	4 Years	5 Years + 1 Day
PhP 10,000 and above	4.400%	4.400%	4.400%	4.40% net

^{PhP Gross Interest Rates are subject to 20.00% p.a. withholding tax (except for 5 years + 1 day)}

USD Time Deposit

Amount Range	30 Days	60 Days	90 Days	180 Days	270 Days	360 Days
USD 1,000 to < 2,000	0.135%	0.135%	0.135%	0.135%	0.160%	0.170%
USD 2,000 to < 5,000	2.750%	2.900%	3.100%	3.150%	3.150%	3.150%
USD 2,000 to < 5,000	2.750%	2.900%	3.100%	3.150%	3.150%	3.150%
USD 10,000 < 20,000	2.750%	2.900%	3.100%	3.150%	3.150%	3.150%
USD 20,000 < 50,000	2.750%	2.900%	3.100%	3.150%	3.150%	3.150%
USD 50,000 < 100,000	2.750%	2.900%	3.100%	3.150%	3.150%	3.150%
USD 100,000 < 200,000	2.750%	2.900%	3.100%	3.150%	3.150%	3.150%

^{Gross Interest Rates for USD and 3rd currency deposits are subject to the following withholding tax p.a.:}
^{> 15% for Domestic Corporation/Individual Citizen or Resident Alien}
^{> 7.5% for Resident Foreign Corporation}

Long Term USD Time Deposit

Term of Fixed Quarterly Payout	2 Years	3 Years	4 Years	5 Years + 1 Day
PhP 10,000 and above	3.300%	3.300%	3.300%	3.300%

USD Gross Interest Rates are subject to 15% p.a. withholding tax

_{^{*Also available for terms of 360 days, up to 5 years}}

RMB Time Deposit

Term of Fixed Quarterly Payout	30 Days	60 Days	90 Days	180 Days
RMB 5,000 and above	1.000%	1.000%	1.250%	1.250%

^{RMB Gross Interest Rates are subject to 15% p.a. withholding tax}

EURO Time Deposit

Term of Fixed Quarterly Payout	30 Days	60 Days	90 Days	180 Days
EUR 500 and above	0.105%	0.105%	0.120%	0.150%

EUR Gross Interest Rates are subject to 15% p.a. withholding tax

JPY Time Deposit

Term of Fixed Quarterly Payout	30 Days	60 Days	90 Days	180 Days
JPY 50,000 and above	0.000%	0.000%	0.000%	0.000%

JPY Gross Interest Rates are subject to 15% p.a. withholding tax

SGD Time Deposit

JPY Gross Interest Rates are subject to 15% p.a. withholding tax

Term of Fixed Quarterly Payout	30 Days	60 Days	90 Days	180 Days
SGD 1,000 and above	0.200%	0.200%	0.200%	0.200%

AUD Time Deposit

Term of Fixed Quarterly Payout	30 Days	60 Days	90 Days	180 Days
AUD 1,000 < 20,000	0.500%	0.500%	1.000%	1.000%
AUD 20,000 < 50,000	0.500%	0.500%	1.000%	1.000%
AUD 50,000 < 100,000	0.500%	0.500%	1.000%	1.000%
AUD 100,000 and above	0.500%	0.500%	1.000%	1.000%

AUD Gross Interest Rates are subject to 15% p.a. withholding tax

^{Want to know more about our Time Deposit? Contact us now.}
^{Visit any EastWest Store.}
^{Call 24-Hour Customer Service at}^{(+632) 8888-1700}
^{Email us at}^{service@eastwestbanker.com.}

Deposit Interest Rates

PESO Savings

Deposit Product	Initial Deposit	Minimum Maintaining Balance	Balance to Earn Interest	Interest Rate per Annum
Regular Savings	5,000	5,000	10,000	0.125%
Passbook Savings	Individual: 10,000 Corporate: 20,000	Individual: 10,000 Corporate: 20,000	Individual: 10,000 Corporate: 20,000	0.125%
Passbook Savings with Debit Card	10,000	10,000	25,000	0.125%
Kiddie Savings	2,000	2,000	2,000	0.125%

PESO Checking

Deposit Product	Initial Deposit	Minimum Maintaining Balance	Balance to Earn Interest	Interest Rate per Annum
Regular Checking	Individual: 10,000 Corporate: 20,000	Individual: 10,000 Corporate: 20,000	N/A	N/A
Cheque Max	Individual: 20,000 Corporate: 50,000	Individual: 20,000 Corporate: 50,000	Individual: 20,000 Corporate: 50,000	0.125%
ChequeMax Rewards	Individual/ Corporate: 100,000	Individual/ Corporate: 100,000	Individual/ Corporate: 100,000	N/A
Super Checking	Individual: 500,000 Corporate: 1,000,000	Individual: 500,000 Corporate: 1,000,000	Individual: 500,000 Corporate: 1,000,000	500k to less than 1M: 0.200% (Individual only) \| 1M and up: 0.400% \| Bonus Interest Rate: 3.100% if not greater than 2 withdrawals during the month

Tiered Deposit

Deposit Product	Initial Deposit	Minimum Maintaining Balance	Balance to Earn Interest	Interest Rate per Annum
Super Saver	Individual/ Corporate: 500,000	Individual/ Corporate: 500,000	Individual: 500,000 Corporate: 1,000,000	500k to less than 1M: 0.200% (individual only) \| 1M and up 0.400% \| Bonus Interest Rate: 3.100% if no withdrawals during the month
Super Checking	Individual: 500,000 Corporate: 1,000,000	Individual: 500,000 Corporate: 1,000,000	Individual: 500,000 Corporate: 1,000,000	500k to less than 1M: 0.200% (Individual only) \| 1M and up: 0.400% \| Bonus Interest Rate: 3.100% if not greater than 2 withdrawals during the month
US Dollar SuperSaver	USD 5,000	USD 5,000	USD 5,000	USD 5,000 to less than USD 10,000 – 0.125% \| USD 10,000 to less than USD 100,000 – 0.200% \| USD 100,000 and up – 0.250% \| Bonus Interest Rate: 2.500% if no withdrawals during the month

Foreign Currency Savings

Deposit Product	Initial Deposit	Minimum Maintaining Balance	Balance to Earn Interest	Interest Rate per Annum
USD Dollar Savings	USD 200	USD 200	USD 500	0.125%
Chinese Yuan Savings	CNY 500	CNY 500	CNY 500	1.000%
Euro Savings**	EUR 250	EUR 250	EUR 250	0.000%
Japanese Yen Savings**	JPY 25,000	JPY 25,000	JPY 25,000	0.005%
Singaporean Dollar Savings**	SGD 100	SGD 100	SGD 100	0.100%
British Pound Savings Account	GBP 100	GBP 100	GBP 100	0.25%
Australian Dollar Savings Account	AUD 250	AUD 250	AUD 250	1.00%
Hongkong Dollar Savings Account	HKD 250	HKD 250	HKD 250	0.150%
New Zealand Dollar Savings Account	NZD 250	NZD 250	NZD 250	0.500%
US Dollar SuperSaver	USD 5,000	USD 5,000	USD 5,000	USD 5,000 to less than USD 10,000 – 0.125% \| USD 10,000 to less than USD 100,000 – 0.200% \| USD 100,000 and up – 0.250% \| Bonus Interest Rate: 2.500% if no withdrawals during the month

*Minimum Balance to Earn Rewards Points 
**Offered only in select stores

^{Want to know more about our Deposit Products? Contact us now.}
^{Visit any EastWest Store.}
^{Call 24-Hour Customer Service at (+632) 8888-1700}
^{Email us at service@eastwestbanker.com.}

Loan Interest

Auto Loan Rates

Type	Interest Payment	12 Months	19 Months	24 Months	36 Months	48 Months	60 Months
Brand New	In Advance	5.10%	7.94%	10.84%	16.79%	22.94%	20.27%
Brand New	In Arrears	6.06%	8.93%	11.86%	17.86%	24.07%	30.46%
Second Hand	In Advance	6.04%	10.16%	14.93%	24.08%	34.25%
Second Hand	In Arrears	7.19%	11.45%	16.37%	25.68%	36.04%

Home Loan Rates

Term	Rate
1 Year	7.00%
2-3 Years	7.75%
4-5 Years	7.99%

Personal Loan Rates

With Existing Credit Card or Bank Loan of At Least 9 Months

Tenor	Monthly Rate	Factor Rate	Contractual Interest Rate	Effective Interest Rate
12 Months	1.79%	0.0734556	37.54% p.a.	50.27% p.a.
18 Months		0.0734556	37.45% p.a.	48.50% p.a.
24 Months		0.0595667	36.98% p.a.	46.97% p.a.
36 Months		0.0456778	35.78% p.a.	44.42% p.a.
48 Months		0.0387333	34.61% p.a.	42.36% p.a
60 Months		0.0345667	33.55% p.a.	40.65% p.a

Without Existing Credit Card or Bank Loan of At Least 9 Months

Tenor	Monthly Rate	Factor Rate	Contractual Interest Rate	Effective Interest Rate
12 Months	1.99%	0.1032333	41.51% p.a.	56.19% p.a.
18 Months		0.0754556	41.31% p.a.	54.19% p.a.
24 Months		0.0615667	40.70% p.a.	52.41% p.a.
36 Months		0.0476778	39.26% p.a.	49.42% p.a.
48 Months		0.0407333	37.89% p.a.	47.01% p.a
60 Months		0.0365667	36.67% p.a.	45.03% p.a

Contractual and Effective Interest Rates in the tables above are computed based on a Loan Amount of Php100,000 and Processing Fee of Php1,900. Rates shown are indicative only and may change upon approval depending on your approved loan amount, tenor, and applicable fees such as loan processing fee and documentary stamp tax (DST). The final rate of your personal loan will be confirmed in your loan documents prior to booking. Per BSP Circular No.730, EIR is the rate that exactly discounts estimated future cash flow through the life of the loan to the net amount of loan proceeds. It is the rate that best measures the true cost of credit. Processing of application will take 5 to 7 banking days. Release of loan proceeds to the client will take another 2 banking days for pick up and 2 to 4 banking days for the delivery and deposit to account option.

Want to know more about our EastWest Loans? Contact us now. 
Visit any EastWest Store. 
Call 24-Hour Customer Service at (+632) 8888-1700 
Email us at service@eastwestbanker.com.