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If traveling is on your 2025 vision board, then start packing now. You’re just one step away with The Metrobank Travel Fair – Book Online, set to run from July 1 to July 15. This is your chance to turn those Instagram-worthy destinations into real-life experiences, with your Metrobank credit card as your ultimate companion. 

Whether you’re chasing sunsets in Boracay, planning the ultimate fangirl weekend in Seoul, or finally booking that long-awaited Disneyland adventure in Hong Kong or Japan, Metrobank has you covered. Score discounted rates on all things travel with your Metrobank credit card–from airfare, hotels and accommodations, tours and activities, to other travel essentials. 

These amazing deals come from Metrobank’s partner merchants, including AirAsia Move, Cathay Pacific, China Airlines, HongKong Express, Japan Airlines, Qantas Airways, Sunlight Air, United Airlines, Amorita Bohol, Club Wyndham, Crimson Alabang, JPark Cebu, Marco Polo Ortigas, Nay Palad, Solaire North, Solaire Paranaque, The Funny Lion, Agoda, AXA, Big Sky Nation, HongKong Tourism Board, Klook, and Korea Tourism Organization and many more, bringing a diverse selection to suit every traveler&#39;s needs. 

Enjoying exclusive discounts at The Metrobank Travel Fair – Book Online is simple and convenient. Just visit the websites or online platforms of your preferred participating airlines, hotels, or travel booking sites, choose your next adventure, input the promo code (if any) and pay with your Metrobank credit card. For the full list of merchants and offers, check out <a href="/promos/the-metrobank-travel-fair-online-2025">The Metrobank Travel Fair Online 2025</a>.

Get more out of every booking with your Metrobank credit card 

<ol>
<li>Enjoy up to PHP 10,000 cashback on your flights with your Metrobank Visa credit card! Get PHP 2,000 cashback for a minimum single-receipt spend of PHP 25,000, or as much as PHP 10,000 cashback for a minimum single-receipt spend of PHP 100,000 at participating airline partners. </li>
<li>Book your accommodation with your Metrobank Mastercard credit card to get 5 eGCs of a 1-pc. Chicken McDo meal with rice and a medium drink for every single-receipt transaction of at least PHP 1,000 at participating merchants. </li>
<li>Double the savings on rooms with Agoda! Enjoy 6% OFF on room accommodation when you book via <a href="http://www.agoda.com/metrobank">www.agoda.com/metrobank</a>. Plus, enjoy an extra PHP 4,000 cashback for a min. single-receipt spend of PHP 30,000. </li>
<li>Book all travel packages at Klook and enjoy PHP 2,000 off for a minimum single-receipt spend of PHP20,000 applicable sitewide, one per customer only. </li>
</ol>

Also, Metrobank Mastercard credit cardholders, can avail of the Buy Three (3), Take One (1) Free promo on tickets to your favorite HongKong Theme Park. Use the code: TMTFONHKPARK. Valid for one-time use only per cardholder, per account within the promo period. Limited redemptions apply. 

To qualify for each reward, don&#39;t forget to register your transaction through the One Giftaway Website at <a href="https://metrobankcard.mymcc.gift">https://metrobankcard.mymcc.gift</a>. 

Flexible payment options with Balance Conversion 

Pre-selected Metrobank credit cardholders can convert all their qualified transactions and available outstanding balance during the promo period into easy installments. Avail of the special Balance Conversion Offer at a low interest rate of 0.48% for 12 to 60 months, for a minimum single-receipt spend of PHP 6,000. Qualified cardholders will receive a message about the balance conversion offer from Metrobank. 

There’s something for every kind of traveler—whether you’re into luxe stays, spontaneous weekend escapes, or thrill-packed itineraries. So, plan your next memorable trip with the help of your Metrobank credit card at The Metrobank Travel Fair – Book Online. 

Not yet a Metrobank credit cardholder? Apply for a Metrobank credit card today! Visit your nearest Metrobank branch or apply online via <a href="https://apply.metrobank.com.ph/creditcard">https://apply.metrobank.com.ph/creditcard</a>.

If traveling is on your 2025 vision board, then start packing now. You’re just one step away with The Metrobank Travel Fair – Book Online, set to run from July 1 to July 15. 

Manifest that dream trip with your Metrobank credit card | Metrobank

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Manifest that dream trip with your Metrobank credit card

Metropolitan Bank &amp; Trust Co.’s (Metrobank) net income rose by 14.0% year-on-year to a record PHP48.1 billion in 2024, supported by robust asset expansion and improving asset quality. 

This translated to a 13.0% return on equity, higher than the 12.5% recorded in the same period last year.

The Board also approved a total cash dividend of PHP5.00 per share for the year. Aside from the regular dividend of PHP3.00 per share that will be paid out on a semi-annual basis, a special cash dividend of PHP2.00 was declared. The first payout of PHP3.50 will be given to shareholders on record as of March 6, 2025.

“The hard work that all Metrobankers put in growing our corporate, middle market, retail and wealth segments as well as our investments in technology and human resources and risk management initiatives continue to bear fruit,&quot; said Metrobank President Fabian S. Dee. &quot;This positive momentum and our strong balance sheet set us up very well to continuously meet the growing needs of our clients and to pursue our medium-term strategies,&quot; he added.

The Bank’s net interest income rose 8.7% to PHP114.1 billion on the back of a strong 17.0% expansion in gross loans, outpacing industry growth of 12.5%. Commercial loans surged by 17.7% as corporates continued to increase capital spending. Consumer loans grew by 14.4% driven by an 18.6% rise in net credit card receivables and 18.2% growth in auto loans.

Total deposits rose by 8.0% to PHP2.6 trillion from a year ago, of which low-cost Current and Savings Accounts (CASA) accounted for 57.8%.

Fee and trust income edged up to PHP18.1 billion supported by growth in consumer business. In addition, the Bank booked a combined trading and foreign exchange gain of PHP5.6 billion in 2024, a 39% year-on-year improvement.

Operating costs grew 11.0%, year-on-year, to PHP77.2 billion driven by transaction related taxes as well as manpower, technology and marketing costs as the bank continued to invest for growth.

Metrobank’s non-performing loans (NPLs) ratio further eased to 1.43% from 1.69% in 2023, which enabled the Bank to reduce provisions by 29.2% year-on-year. NPL cover, nonetheless, remains high at 163.5%, providing a substantial buffer against any emerging risks to the portfolio.

Metrobank’s total consolidated assets stood at PHP3.52 trillion, maintaining its status as
the country’s second largest private universal bank. Total equity reached PHP385.5
billion.

The Bank’s fortress balance sheet remains evident with capital adequacy ratio at 16.7% and Common Equity Tier 1 (CET1) ratio at 15.9%, all well above the BSP’s minimum regulatory requirements. Metrobank’s Liquidity Coverage Ratio (LCR) is also high at 256.1%.

Metrobank was thus, recognized by the Asian Banker as the country’s Strongest Bank for the fourth consecutive year. During the Euromoney Awards for Excellence 2024, it was also named as the Best Bank for Corporate Responsibility for its efforts via Metrobank Foundation to support the country’s education, arts and social sectors. The Asian Banker also noted Metrobank as the Most Recommended Retail Bank in the Philippines, based on the results of The Asian Banker’s Annual BankQuality™ Consumer Survey in January 2024.

Metropolitan Bank & Trust Co.’s (Metrobank) net income rose by 14.0% year-on-year to a record PHP48.1 billion in 2024, supported by robust asset expansion and improving asset quality. 

Metrobank posts record earnings of PHP 48.1B in 2024

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Metrobank’s Trust Banking Group has once again been recognized for its excellence in fund management of peso- and dollar-denominated unit investment trust funds at the recently held CFA Society Philippines’ 10th Annual Best Managed Funds of the Year Awards for 2025.

The annual awards, entitled Vision 2025, highlights outstanding fund managers in the country for their expertise in professionally managing funds that generate the highest risk-adjusted returns compared to their peers from the years 2020 to 2024. This year’s awards introduced new categories focusing on global feeder funds along with local money markets and thematic funds.

This year, Metrobank’s Trust Banking Group was honored for its high-performing UITFs, namely: 

<ul>
<li>Metro High Dividend Yield Unit Paying Fund under the Equity Funds category </li>
<li>Metro$ US Investment Grade Corporate Bond Feeder Fund under the Global Fixed Income Feeder Fund category; and </li>
<li>Metro$ Short Term Bond Fund under the Intermediate term Bond Funds using pure FVPL valuation category </li>
</ul>

“We are extremely pleased to see our UITF team achieve another recognition for fund management. This is a testament to the Bank’s commitment to providing reliable service to our clients and ensuring they are in good hands,” said Angelica Reyes, Metrobank’s Trust Banking Group Head. 

“We sincerely thank CFA Philippines for recognizing Metrobank’s dedication over the past year. We are honored to receive this award and deeply grateful for the continued trust on the Bank’s fund management expertise. We will strive to pursue excellence by continuously enhancing our portfolio management strategies,” said Cristina Gabaldon, Metrobank Head for Investment Management. 

About 16 investment houses and trust institutions participated in this year’s awards, gathering 170 qualified funds across multiple categories. The winners were determined by the CFAP Fund of the Year Committee through a meticulous evaluation of investment data submitted by participating institutions.

Invest in Metrobank&#39;s UITFs by visiting any Metrobank Branch or invest through your Metrobank Online account&#39;s UITF Online feature. Metrobank&#39;s certified UITF sales personnel can help you choose the right UITFs that align with your investment goals, and risk tolerance. For more information about Metrobank’s UITFs, visit: <a href="https://www.metrobank.com.ph/investments/uitf">https://www.metrobank.com.ph/investments/uitf</a>

Metrobank Trust Banking Group recognized at CFA Society Philippines’ 10th Annual Best Managed Funds of the Year Awards for 2025. 

Metrobank UITFs named among the country’s top managed funds 

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As a rule of thumb, only joint accountholders, legal heirs, or executors/administrators of estates can access a deceased depositor’s account.

Important Reminders: 

<ul>
<li>It is the bank’s obligation to safeguard the security and integrity of its depositors’ accounts and transactions. </li>
<li>In the case of deceased depositors, banks deal with the rightful heirs (or the appointed executor or administrator of the estate) regarding the details of the accounts and the remaining funds.</li>
</ul>

Losing a loved one is never easy, and banks understand how difficult and overwhelming this time can be for those who are left behind. Beyond the emotional toll, families are often faced with financial matters that need to be addressed. 

As a bank trusted by our depositors, Metrobank prioritizes the protection of its depositors’ accounts – including those of our deceased accountholders. 
Metrobank has, after all, promised that our depositors are in good hands. 
We are likewise mandated to do so by various banking laws and regulations that require financial institutions to safeguard depositors’ accounts.

This protection remains in place even after a depositor passes away. Note that Metrobank, like any other bank, has no vested interest in keeping its deceased depositors&#39; money. As we sympathize with the grieving family, we do our part in making sure that only the rightful parties can access the deceased depositor’s bank account and funds. As such, in releasing any transaction information, and more so the funds from a deceased depositor&#39;s account, we ensure that we are dealing with all rightful heirs, and that such disclosure or release has their collective consent or approval.

If no proof of consent can be provided or if there is any conflict or dispute among said heirs, the bank takes a neutral stand and will not release any information to any one party or heir. Metrobank believes that our courts are the proper venue and authority to determine the rights of and to settle any issue among disputing heirs. 

Here&#39;s a quick guide on how Metrobank handles accounts of its deceased depositors: 

<h2>What happens to bank accounts when someone passes away?</h2>

We follow strict rules and processes to ensure the protection of a deceased depositor&#39;s account from unauthorized access. 

As soon as the bank is informed/receives information regarding the death of a depositor, his/her accounts are put on hold. 

<h3>Individual vs. Joint Accounts</h3>

<ul>
<li>Individual accounts (solely owned by the deceased) are put on hold. </li>
<li>Joint accounts (shared by two or more people) – surviving account holder(s) may access as to his share, but release of the deceased depositor’s share may require submission of requirements or legal proceedings. </li>
</ul>

<h2>Who can claim the funds?</h2>

The legal heirs of a deceased depositor depend on his/her family situation. Typically, for married depositors with children, the surviving wife or husband and the children are the rightful heirs to a deceased depositor&#39;s account. 

For example:

A is married to B, and together they have three children: X, Y, and Z. 

B is a depositor and maintained an individual account, as well as a joint account with each of his three (3) children. 

B died, and her family now make a claim on the bank. 

<ol>
<li> Under the law, B’s heirs (A, X, Y, and Z) have equal rights to B&#39;s bank account. </li>
<li> B’s heirs can request for the account balances on the accounts maintained by B with Metrobank, for purposes of settling her estate. </li>
<li> Even if requested by A, a legal heir, Metrobank can only disclose B’s co-depositors only if they consent to such disclosure. </li>
<li> Even if requested by A, a legal heir, Metrobank can only disclose account and transaction history prior to death only upon the written consent of all the other heirs (X, Y, and Z). Otherwise, A will need to obtain a court order to instruct Metrobank to release the information regarding the accounts maintained by B. </li>
</ol>

This illustrates the power of Republic Act 1405 or the Bank Secrecy Law, which prohibits any person from unauthorized access to a bank account-even that of deceased depositors. Simply put, no one can just go to your bank and inquire about your accounts and banking transactions.

Here are more details on how we determine a deceased depositor’s heirs, based on different family situations: 

A. Single depositors with no children – The legal heirs are the surviving parents. If there are no parents, the deceased depositor’s siblings can claim. If no surviving siblings, nephews and nieces may claim. 
B. Single depositors with children out of wedlock – The surviving parents and children can claim the funds. 
C. Married with legitimate children – The surviving spouse and legitimate children are entitled to the funds. 
D. Married with legitimate and illegitimate children – The surviving spouse and both the legitimate and illegitimate children can claim. 
E. Married, no children, no surviving parents – The surviving spouse and deceased’s siblings can claim. 
F. No surviving legal heirs – If there are no legal heirs, the funds will go to the state. 
G. Non-Filipino depositor – The rightful claimants must be identified based on legal documents verified by legal counsel.

<h2>Steps to take when a depositor passes away</h2>

<ol>
<li>Notify the bank – Call, email, or visit the bank to report the depositor’s passing. </li>
<li>Bank verification – The bank will confirm the deceased’s nationality, check if a will exists, verify claimants’ identities and relationships, and assess any outstanding debts. </li>
<li>Submit required documents – Commonly needed documents include:

<ul>
<li>Certified true copy of the death certificate </li>
<li>Proof of relationship with the deceased (e.g., birth or marriage certificates) </li>
<li>Court orders (if applicable) </li>
<li>Additional requirements depending on how estate is settled </li>
<li>It’s best to check with the bank’s branch officers or relationship manager for a full list of required documents. </li>
</ul></li>
<li>Understand taxes and legal obligations – The deceased depositor’s balance may be subject to taxes and legal processes. Bank officers can guide heirs on how to comply with these requirements.</li>
<li>Resolve disputes properly – In cases of conflicting claims, the bank may advise claimants to settle disputes through legal proceedings. Under the Bank Secrecy Law, banks cannot disclose account details without proper authorization.</li>
</ol>

<h2>Planning ahead: Securing your family’s future</h2>

Being proactive can prevent difficulties in accessing a deceased loved one’s assets. 

Consider: 

<ul>
<li>Writing a will to clearly state how assets should be distributed</li>
<li>Setting up a living trust to ensure smooth asset transfer</li>
<li>Consulting financial experts, such as your bank’s wealth management team, to plan effectively</li>
</ul>

While death is never easy to talk about, preparing for it can make a significant difference for your loved ones. Starting the conversation today can help protect your family from unnecessary financial stress in the future. 

<img src="https://web-assets.metrobank.com.ph/1743677905-deceased-depo-v2.jpeg" alt="">

Here's a quick guide on how Metrobank handles accounts of deceased depositors.

How banks protect a deceased depositor's bank account and their rightful heirs | Metrobank

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How banks protect a deceased depositor's bank account and their rightful heirs

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