Promo Mechanics and Promo Offer

The Metrobank Spark Your Interest (“Promo”) will run from March 15 to May 15, 2025 (“Promo Period”).
The promo is open to select personal deposit accountholders who will meet the Promo Average Daily Balance (ADB) Increase* required by depositing fresh funds into their Metrobank Personal Peso Deposit Account/s and maintain it for at least six (6) months after the month of successful promo registration.
To qualify for the promo, the client must:
a. Be 21 years old and above by December 31, 2024;
b. Register an active email and mobile number with Metrobank;

The Bank will not be liable if the client provided an invalid email address or mobile number. To receive updates about the promo, clients must ensure their registered email address and mobile number with Metrobank are updated and active. Contact information can be updated by visiting any Metrobank branch or by following the instructions here: https://www.metrobank.com.ph/articles/update-your-mb-contact-info-online.

c. Be enrolled in the Metrobank App or Metrobank Online using the email address and mobile number registered with Metrobank;
d. Have at least one existing Metrobank Personal Peso Deposit account with the required account eligibility**;
e. Register for the promo via SMS, email, or the Metrobank Contact Center during the promo period;
f. Receive an SMS and/or email from Metrobank confirming his/her successful promo registration;
g. Deposit fresh funds into his/her existing Metrobank Personal Peso Deposit account/s; and
h. Maintain the required promo ADB increase* for at least 6 months after the month of successful promo registration.
Qualified clients will be entitled to a corresponding one-time cash gift*** if they maintain the required promo ADB increase* for at least 6 months after the month of successful promo registration.
The cash gift will be credited to the client’s earliest active and eligible Metrobank Personal Peso Deposit Account within 20-25 banking days after completing the 6-month maintaining period.

Qualified clients will be notified by Metrobank via SMS and/or email once the cash gift has been successfully credited.

Promo Registration

Clients with promo notification:

Select clients will receive an official promo notification from Metrobank via SMS/Viber and email with the promo registration instructions and unique promo code.
Clients must register for the promo via one of the following options:
a. Register via SMS: Using the mobile number registered with Metrobank, text the unique promo code to 09191600982.

b. Register via Email: Using the email address registered with Metrobank, send an email to customercare@metrobank.com.ph with the details below:

Email Subject: Spark Your Interest Promo Registration
Body: [Promo Code]

A screenshot of the promo notification may be required if multiple registration attempts were unsuccessful.

c. Register via the Metrobank Contact Center: Call (02) 88-700-700 and request to register for the “Spark Your Interest Promo,” providing the unique promo code. During the call, the Customer Service Representative will conduct an identity verification as part of the standard process.
A confirmation SMS and/or email will be sent by Metrobank to clients who have successfully registered for the promo.
Upon confirmation of successful registration, clients may start depositing the required fresh funds within the promo period to meet the required promo ADB increase*.

Clients without promo notification:

Clients who have not received an official promo notification may still qualify for Tier 2, provided they meet the promo qualifications and the following client eligibility requirements**:
Using the contact details registered with Metrobank and provided during the Metrobank Online/Metrobank App enrollment, clients must register for the promo by emailing customercare@metrobank.com.ph or by calling (02) 88-700-700.
A confirmation SMS and/or email will be sent by Metrobank to clients who have successfully registered for the promo.
Upon confirmation of successful promo registration, clients may start depositing the required fresh funds within the promo period to meet the required promo ADB increase*.

Terms & Conditions

The promo is available exclusively to select Metrobank clients who will maintain the required promo ADB increase* for at least 6 months following successful promo registration.
During promo registration, the client must provide a valid and active email address and mobile number, which must match the contact details already registered with Metrobank and used during Metrobank Online/Metrobank App enrollment. Metrobank will not be held liable for any issues arising from invalid or inactive contact details, including the inability to receive advisories or updates related to this promo.
The ADBs referred to in this promo will be determined by considering and combining the balance of all eligible Metrobank Personal Peso Deposit Accounts belonging to a single client.
The “promo ADB increase” refers to the variance between the deposit account/s’ balance averaged over the 6 months prior to promo registration (”baseline ADB”) and the ADB resulting from the additional deposit/s made following successful promo registration, maintained and averaged for 6 months thereafter (”promo ADB”).

Promo ADB Increase = [Promo ADB] - [Baseline ADB]

A sample table of deposit account types and ADB computation is provided below:
The deposit/s will be deemed eligible only when the funds are from external sources and have not been part of any Metrobank accounts and products (“fresh funds”).
All types of Metrobank Personal Peso Deposit Accounts are eligible, except:
- Time Deposit Accounts
- Foreign Currency Accounts (FCDU)
- Retail accounts tagged as DBA (“Doing Business As”), i.e., Retail accounts used for business purposes
- Payroll Accounts
Payroll accounts are not eligible for the promo. However, payroll accountholders with a separate Metrobank Personal Peso Deposit Account for non-payroll purposes may qualify, provided they meet the account eligibility requirements** for their respective tier.
Business or Corporate Accounts are not considered Personal Peso Deposit Accounts and are therefore excluded from the promo.
Prepaid Cards are classified as e-money, which are not linked to any deposit accounts, and are therefore excluded from the promo.
For Joint-OR/AND Accounts and In-trust-for (ITF) accounts, the ADB will be attributed solely to the principal or primary accountholder.
Each primary accountholder is qualified to receive only one (1) cash gift from the promo, regardless of the number of personal deposit accounts owned.
Only select Metrobank clients are eligible for the promo’s Tier 1. Clients will not qualify for this tier if they have:
- Opened their first deposit account from September 1, 2023 onwards
- ADB of more than PHP 15,000.00 as of December 31, 2024
- Existing Metrobank credit card
- Negative findings in credit databases
If a client fails to maintain the required promo ADB increase* for 6 consecutive months from successful promo registration, s/he will not be qualified for the cash gift.
All disputes must be raised within sixty (60) calendar days after the cash gift has been awarded.
Metrobank reserves the right to refuse to disqualify a client from receiving the cash gift due to disputes arising from but not limited to, fraudulent transactions or deposits made within the promo period from non-external sources.
The offer under this promo cannot be used in conjunction with any other ongoing Metrobank promotions.
Metrobank employees are disqualified from receiving the cash gift.
By participating in this promo, the client confirms that he/she has read, understood, and agreed to the promo mechanics and its terms and conditions.
The promo is subject to the terms and conditions of Metrobank. In case of dispute, the decision of Metrobank will be final.
Any amendment to the Terms and Conditions is subject to the approval of the Department of Trade & Industry (DTI). Clients will be notified of any changes through the appropriate channels.
Deposits are insured by PDIC up to PHP 1 Million per depositor.
Metrobank is regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph.

CUSTOMER SUPPORT

For any questions or clarifications on the promo, clients may call Metrobank Contact Center at (02) 88-700-700 or domestic toll-free number at 1-800-1888-5775, or send an email to customercare@metrobank.com.ph.

FREQUENTLY ASKED QUESTIONS

What is Average Daily Balance (ADB) and how is it calculated?

ADB is defined as the average amount that an account has over a specified time period, equal to the total cumulative balances divided by the number of days.

Example:

ADB Computation

Which accounts are eligible for the promo?

CARDS PERSONAL

730 - Personal ET
729 - Online Basic Account³
736 - e-Savings Account⁴

CHECK PERSONAL

260 - Personal Checking ET
299 - AccountOne

PASSBOOK PERSONAL

710 - Personal Regular

OFW ACCOUNTS

731 - OFW ET
711 - OFW Regular

YOUTH MARKET

716 - Fun Savers Club FSC Regular
732 - Spark Savings Account

PENSIONER ACCOUNTS

737 - SSS Pensioner ET
717 - SSS Pensioner Regular

SETTLEMENT ACCOUNTS

734 - Settlement ATM
712 - Personal Regular Settlement

SPECIAL ACCOUNTS

630 - Trust Passbook
770 - Holdout Savings

SAVINGS ACCOUNT WITH DEBIT CARD – PERSONAL

725 - PERSONAL ET - CBO
733 - Easy Tuition Savings Account
740 - Gold ET with ATA
742 - Gold ET

CHECKING ACCOUNT PERSONAL

210 - Personal Checking
212 - Personal MetroChecking Extra
214 - Personal MC Extra-ET
220 - Personal With ATA
270 - Personal ET with ATA
301 - AccountOne-w/o ATM Personal
310 - Digital Account (available only thru the Earnest App)

SAVINGS ACCOUNT PASSBOOK PERSONAL

720 - Personal-with ATA

DEFINITION OF TERMS

ADB-Related Terms

ADB - Refers to the average amount that an account has over a specified time period, equal to the total cumulative balances divided by the number of days.
Baseline ADB - Refers to the average of the account’s monthly ADB over the six months before the month of registration.

For example, if a client registers in June 2025, their Baseline ADB will be the average of their monthly ADB from December 2024 to May 2025.
Promo ADB - Refers to the average of the account’s monthly ADB over the six months after the month of registration.

For example, if a client registers in May 2025, their Promo ADB will be the average of their monthly ADB from June 2025 to November 2025.
Promo ADB Increase - Refers to the difference between the Promo ADB and the Baseline ADB.

Formula: Promo ADB Increase = Promo ADB – Baseline ADB

Fund-Related Terms

Fresh Funds - Refers to funds that are not currently held within Metrobank’s portfolio of products. Fresh funds may include: funds from other banks, remittances, and other external sources.

Fresh Funds must be transferred via inter-bank or e-wallet fund transfer (i.e. via Instapay/Pesonet), check deposit or remittance.

Account Types

Personal Peso Deposit Account - A deposit account primarily for individual customers, denominated in Philippine Pesos, offering both savings and checking (current account) functionalities.
DBA Retail Accounts ("Doing Business As") - Deposit accounts opened by registered businesses operating under a trade name different from their legal business name, primarily for individual or sole proprietorship businesses.
FCDU Account - A Foreign Currency Deposit Unit (FCDU) Account is a deposit account that holds funds in a currency other than Philippine Pesos.
ITF (In Trust For) Account - A deposit account where one person (the trustee) holds and manages funds on behalf of another person (the beneficiary). It is commonly used for minors or dependents who cannot legally manage their own financial accounts yet.

For ITF accounts, the trustee is considered the primary accountholder.
Joint-OR/And Account - A deposit account held by two or more individuals (with one individual assigned as the primary accountholder), who share ownership and have defined rights regarding transactions.

For joint accounts, ADB will be aggregated to the primary accountholder.

Accountholder Roles

Primary Accountholder - The primary accountholder is the individual designated as the main owner and typically has greater control and responsibility over the account.
Principal Accountholder - The principal accountholder is the primary owner of a deposit account, responsible for the account and typically possessing full transaction rights.

Promo & Monitoring Terms

Pre-Registration Monitoring Period - Refers to the six-month period before the month of registration.
Promo Monitoring Period - Refers to the six-month period after the month of registration.
Registration - Refers to the process of formally registering or signing up for the promotion.
Cash Gift - Refers to the monetary incentive offered to customers who meet the ADB increase criteria for the promo. Ranges from Php 1,500 to Php 10,000 (Php 500 is offered to the "select accountholders only").

Metrobank will never send links via SMS or email. Stay alert and always double-check any message you receive.

Data Privacy Notice

Your data is in good hands. Metropolitan Bank & Trust Company (referred to as “Metrobank,” or “we”) as a Personal Information Controller (“PIC”) is committed to respecting and protecting your privacy as a data subject in adherence with the Data Privacy Act of 2012, its Implementing Rules and Regulations (“IRR”), the issuances and releases of the National Privacy Commission, and all applicable privacy laws.

We will collect and process your personal data such as name and contact details solely for the purpose of facilitating your qualification for the The Metrobank Spark Your Interest (“Promo”) offered by the Metrobank in accordance with Metrobank Privacy Policy available at https://www.metrobank.com.ph/articles/privacy-policy.

Per DTI Fair Trade Permit No. FTEB-217740 Series of 2025