Micro Savings

Cebuana Lhuillier Micro Savings aims to provide easier banking access to Filipinos. It is a regular savings account but doesn’t require maintaining balance. Account holders can deposit and withdraw anywhere at their most convenient time with Cebuana Lhuillier’s network of more than 3,000 branches nationwide. As a Micro Savings account holder, you can also pay cashless using your card in any of 350,000 Unionpay and Bancnet accredited retail stores and withdraw in any of  21,000+ Bancnet ATM nationwide.

Micro Savings provides Filipinos with a more convenient and affordable means to save their hard-earned money.  Filipino citizens as young as 7 years old are qualified to open a savings account, which can be considered as a “kids savings” or “junior savings” account in banks.

Interest Rate Per Annum 0.20%
Minimum Balance to Earn InterestPhp 500
Minimum Maintaining BalanceNone
Dormancy PeriodNone
Maximum Account BalancePhp 50,000
Deposit AmountMin. Php 50; Max Php 50,000
Withdrawal AmountMin. Php 100; Max Php 5,000
Deposit FeeFREE
Number of Allowed Withdrawals Per Day3
Withdrawal FeeFREE until further notice
Requirements to Open An Account1 valid government ID
New Card FeePhp 150
Card upgrade fee (para sa existing Micro Savings account holders)Php 75*(subject to change without prior notice)

How to open a Micro Savings account?

Go to any of Cebuana Lhuillier’s 3,000 branches nationwide and fill-out the Client Customer Information File Sheet and bring the following:

  • 1 Government issued ID
    • Birth Certificate (applicable to minors only)
    • Student ID (applicable only if student is currently enrolled)
  • P50 minimum initial deposit
  •  P75 card fee and card upgrade

How to deposit?

  1. Fill-out the form indicating the money you will deposit and give it to the branch personnel
  2. Insert your 24k card in the POS terminal
  3. Get the completed deposit slip

How to withdraw?

  1. Fill-out the form with the desired amount you wish to withdraw
  2. Insert your 24k card in the POS terminal and type your PIN number
  3. Receive the money from the branch personnel

How to check balance?

Option 1: You may visit our Cebuana Lhuillier’s 2,500 branches and use the POS terminal to check your balance.
Option 2: You may log in to your account on the eCebuana app and tap on ‘Micro Savings’.

List of accepted Government/Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification (PhilID) card</>
  • Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
  • Government Service Insurance System (GSIS) e-Card
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)