Destinationsthe Philippines
🇵🇭

Open a bank account in the Philippines

✓ Non-CRSIn-person requiredRestrictedfrom £1,200

Who we work with

We work with Philippine commercial banks. An in-person visit is generally required. Minimum deposits are low and vary by bank.

About this destination

The Philippines does not participate in the CRS: your account data is not reported automatically. Opening requires a local connection, for example via an SRRV visa or a Philippine tax ID. We have an office in Davao City and regularly organise discovery and investor trips there. We accompany you through the entire process, from document preparation to the successful account opening. For the residence route itself, our Nomad Package sets up exactly this foundation.

Banking system

All figures are indicative and subject to change. Not investment advice.

Key banks
BDO Unibank, Land Bank of the Philippines, Bank of the Philippine Islands, Metropolitan Bank & Trust Company, China Banking Corporation, Rizal Commercial Banking Corporation
Credit rating
S&P BBB+ (positive outlook, 2024); Moody's Baa2 (2024)
Deposit guarantee
Up to PHP 1,000,000 per depositor per bank, state-guaranteed via the Philippine Deposit Insurance Corporation (PDIC)
Currency
Philippine peso (PHP), freely convertible, 1 EUR ≈ 71.09 PHP (April 2026)
Inflation
approx. 4.1% (March 2026)
Deposit interest
Typical savings rates 0.0625–0.0925% p.a. on traditional accounts; up to 15% p.a. at digital banks (promotional)
Banking secrecy & CRS
Banking secrecy is protected by Republic Act No. 1405 of 1955, though reform efforts exist. The Philippines is not a CRS participant.

Knowledge & background

Why bank outside the EU?

EU account registers, EAPO, bail-in risk and de-banking — the full picture.

How our service works: step by step

Five steps from order to activated account.

Declaring your offshore account: what you must report

CRS, FATCA and national reporting obligations explained clearly.

Enforcement-proof accounts abroad: what the term really means

EAPO, Lugano, foreign judgments — an honest assessment.

Questions first?

We'll tell you within 24 hours whether this destination fits your profile.

Quick overview

CRS status✓ Non-CRS
Minimum depositon request
Remote openingIn-person required
Non-residentsRestricted
Service feefrom £1,200

Not sure if this fits? Free consultation →

Requirements note

Proof of address and phone number must come from the same country — and that must be a genuine residence, not a PO box address. Our Nomad Package sets up a recognised address in the Philippines, including all required documents. Fully remote, no travel required. Ready in 1–2 weeks.

What's included in our service

  • Personal bank introduction
  • Document preparation and review
  • Application coordination
  • Ongoing support until account is active
  • Compliance and AML guidance

All information is provided for general guidance only and does not constitute legal, tax, or financial advice. Regulations and bank policies change; always verify current requirements before proceeding.