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PTC ONLINE FAQS

What is Philtrust BankOnline?

Philtrust BankOnline is the internet banking channel of Philtrust Bank that allows you to access your Philtrust Accounts and perform banking transactions via a secured browser-based internet application.

 

Who can enroll in Philtrust BankOnline?

Philtrust BankOnline is offered/available to individual retail clients of Philtrust Bank with a Peso or Dollar account savings or current/checking account.

Note: US Dollar fund transfer will be available soon.

 

What type of accounts can I enroll in the Philtrust BankOnline?

a.       Active Accounts

b.      Account Types:

  • Individual Accounts
  • Joint "OR" Accounts (JOR)
  • "Doing Business As" Accounts (DBA)
  • In-Trust-For (ITF) Accounts

c.      Product Types

         Eligible for Initial Enrollment:

  • Regular Savings Account
  • Current/Checking Account
  • ATM Savings Account
  • Employee Payroll Account (For PTC employees only)

 

During Online Enrollment Request:

The following types of account can be enrolled via online request if you have already been granted access to Philtrust BankOnline.

Product Types

Passbook Based

ATM Based

Regular Savings Account

            Yes

            No

Dollar Savings Account

            Yes

            No

Current/Checking Account

            Yes

            No

ATM Savings Account

             No

           Yes

Employee Payroll Account (For PTC employees only) **

            Yes

            No

Time Deposit *

              N/A

          N/A

 

 

 

 

 

 

 

 

 

 

 

 

 

  • Time Deposit is for viewing Only
  • Employee Payroll Account (For PTC employees only) – as Source account only

 

How do I enroll in Philtrust BankOnline?

You can enroll by visiting your branch of account and fill out an enrollment form. You may also download the enrollment form via the Philtrust website and fill out the form prior to visiting your branch of account.

 

How soon can I access my account in Philtrust BankOnline?

You can access your account as soon as you have received an email to your nominated email address. 

To activate your account, perform the following steps:

  • Click “Activate Now” and create the ff: Account Password, Transaction Password and Security Question.
  • Go to Philtrust Bank Corporate website @https://www.philtrustbank.com and click the link to the secured web address and gain access to Philtrust BankOnline.
  • Login

 

How can I enroll my other accounts into my Philtrust BankOnline account?

You can enroll your other accounts (own account) via online request by doing the following steps:

  1. In the Philtrust BankOnline homepage, go to “Account Maintenance” menu.
  2. Click the “Request for Additional Account Number (Own Account) or Request for Additional Time Deposit (Own Account) ”option.
  3. Enter the 12-digit Account Number (Current/Savings) or 6-digit CTD No.  to be enrolled and click “SUBMIT”.

 

Wait for an email or SMS notification (for at least 1 banking day) confirming the account has been successfully added.

 

How do I enroll additional 3rd Party Account (other Philtrust client’s account) as beneficiary?

  1. In the Philtrust BankOnline homepage, go to “Account Maintenance” menu.
  2. Click the “Request New 3rd Party Account Number”option.
  3. Enter the 12-digit Account Number of the account being enrolled and click “SUBMIT”.
  4. Wait for an email or SMS notification confirming the account has been successfully added for at least 1 banking day.

 

My password got locked since I exceeded the maximum PIN attempts,

how can I reset or change my password?

In the login page, go to “I forgot my password”. You will be asked to either enter a “One-Time-Password (OTP)” which will be sent to your mobile number or choose “One-Time-Link (OTL)” where an email for Password Resetting will be sent to your nominated email address, or, you can go and visit your branch of account.

 

How do I change my password in Philtrust BankOnline?

To change your password, follow these steps:

  1. Go to “Security Settings”, choose “Account Password” to change your log-in password.

You will be asked to choose either a One-Time-Password (OTP) which will be sent to your mobile number or a One-Time-Link (OTL) which will be sent to your nominated email address.

  1. You will be directed to Password Resetting.
  2. Password should be at least 8-20 characters long having a combination of alphabetical upper and lower cases, numeric and special characters.
  3. Click Submit.

If you wish to change your Transaction password, follow the same steps under Security Settings. Choose “Transaction Password”. You will be asked to input your 6 -digit numeric password and click submit.

If you wish to change your Security Question, follow the same steps under Security Settings. Choose “Security Question”.  You will be asked to choose one Security Question, input your answer and click submit.

Ensure to secure your account information:

Always secure your Passwords.

Do not disclose your username/passwords to anyone.

Never store your Username and Password where they can be accessed by others. It is preferable to memorize them.

Password should be at least 8 to 20 characters long having a combination of alphabetical uppercase and lowercase, numeric and special characters.

Change your passwords regularly.

What if I forgot my password?

In the login page, go to “I forgot my password”. You will be asked to either enter a “One-Time-Password (OTP)” which will be sent to your mobile number or choose “One-Time-Link (OTL)” where an email for Password Resetting will be sent to your nominated email addreW

What if I forgot my Username?

You may coordinate with your Branch of account (during banking hours) or call Philtrust Bank’s Customer Contact Center Hotline at telephone number (632) 8524-9061 to request for the retrieval of your registered Username. You will be asked specific questions to verify your identity; this is for your own security, or you can go and visit your branch of account.

 

What is INSTAPAY?

INSTAPAY is an electronic fund transfer (EFT) service that allows clients to transfer PHP funds near real-time between accounts of participating BSP-supervised banks and non- bank e-money issuers in the Philippines.

How can I transfer funds through Instapay via Philtrust BankOnline?

Log in to Philtrust BankOnline and follow these steps:

  1. In the Home page, Choose> INSTAPAY/PESONeT menu> New Transfer> Instapay
  2. Fill out the required details.
  3. Enter a Transaction Password.
  4. Click Continue to proceed.
  5. “Your fund transfer has been successfully completed” message will be displayed.

 

What will I do when my account was debited but I encountered an error upon sending my InstaPay transaction?

Philtrust Retail Internet Banking facility (Philtrust BankOnline) will automatically debit your source account first before sending the transaction to the receiving/beneficiary account based on the clear-before-settlement arrangement. If you encountered an error upon sending your Instapay transaction, depending on the nature of error, the amount will be automatically reversed and credited back to your account including the transaction fee. In other cases, reconciliation or reversal will be done on next banking day.  In the event that the transaction successfully pushed through with no confirmation of successful credit from the receiving bank, you may also check with the receiving/beneficiary account if the amount was credited.

What is the limit of the amount that can be transferred through INSTAPAY?

You may transfer multiple times but the maximum or total amount you can transfer per day is PHP50,000.00.

What fees apply to INSTAPAY transactions?

The following fees apply to INSTAPAY transactions:

01-25,000 => PHP15.00

25,000.01 - 40K => PHP35.00

40.000.01 & 50K => PHP50.00

Recipients of the funds will not be charged of any fees.

How does Instapay work?

Philtrust Online Banking (As Sender) will automatically debit the source account including the applicable service charges prior to sending it to the receiving account. The funds will be credited to the beneficiary/recipient’s account near real time.

 

What is PESONeT?

PESONeT is an interbank fund transfer under the National Retail Payment System (NRPS) of the Bangko Sentral that allows clients of participating banks, e-money issuers or mobile money operators to electronically transfer high value funds in Philippine Peso currency to another client of other participating banks, e-money issuers or mobile money operators in the Philippines.

 

Do PESONeT transactions have a cut-off time?

PESONet is available only during banking days and subject to a prescribed cut-off time of 12 noon for same day transmittal to the receiving bank. Transactions received after cut-off, on holidays or weekends will be processed for transmission to the receiving bank on the next banking day.

 

How soon will my PESONeT transaction be credited to my beneficiary?

Provided that the PESONeT transaction is done before the 12 noon cut-off time, funds will be credited within the day. Actual crediting may vary depending on Philtrust Bank and/or beneficiary bank’s batch processing time and validation.

 

In case of unsuccessful PESONeT transaction, will I get my money back?

If the beneficiary bank is unable to credit the transaction due to but not limited to the following reasons: (1) invalid payee, (2) wrong or invalid account number (account number maybe incorrect, dormant, closed, blocked, frozen), (3) the currency of the account is not a qualified PHP account), funds will be returned to the sender on the next banking day, but service fees may apply. Hence, client shall ensure that the account number is correct prior to the execution of fund transfer.

If my interbank transfer is not successful, how will the money be refunded to me?

If the beneficiary bank is unable to credit the transaction to your beneficiary (i.e. wrong or invalid account number), the funds should be returned to the sender on the next banking day and service charges may apply.

I have transferred money to the wrong account. How do I attempt to recover the funds?

As long as a valid account number is provided, the credit to the beneficiary’s account is considered final.  We encourage you to ensure the correct account number is indicated in your PESONet fund transfer.

 

However, in the event that you provided the wrong account number, a request for recovery will be on a best effort basis subject to the account holder’s consent as well as the beneficiary institution’s internal policies on recovery. 

 

How can I transfer funds through PESONet via

PhilTrust BankOnline ?

Log in to Philtrust BankOnline and follow these steps:

  1. In the Home page, Choose> INSTAPAY/PESONeT menu> New Transfer> PESONeT.
  2. Fill out the required details.
  3. Enter a Transaction Password.
  4. Click Continue to proceed with the fund transfer.
  5. Transaction details will be displayed.
  6. Click Confirm to proceed.
  7. “Transaction is still for processing” message will be displayed.

 

 

What is the limit of the amount that can be transferred through PESONeT?

 You may transfer multiple times but the maximum or total amount you can transfer per day is PHP100,000.00.

What fees shall apply to PESONet transactions? 

The following fees apply to PESONeT transactions:

01-50,000 => PHP25.00

50,000.01 – 100,000.00 => PHP50.00

Recipients of the funds will not be charged any fees.