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Big Five: BDO, MBTC, LBP, BPI, o PNB

pisomatterspisomatters PExer
edited July 2019 in Banking and Finance
Hello!

I have accounts with all the big three. I am satisfied with BDO and BPI's service but was seriously dismayed with Metrobank. Bukod sa service, Metrobank na yata may pinakamababang interest rates for a savings account this year. haha.

Anyway, I blogged about my observation on the Big 3's service. you can read it here.

We can discuss here the services you like or dislike about the three banks.

for me.

BPI
i like the EOL, the ambiance of their branches (lambot ng upuan), their cash deposit machines, their BEA (yung touchscreen computers na nagbibigay ng number sa branch nila. friendly staff!

i dislike their 89-100 hotline. malas yata ako, ang tagal na may sumagot.


BDO
i like their color, the appearance of their checks, the convenience of finding a BDO ATM. may feeling din ako na secured ako kapag nasa loob ako ng BDO branch. parang andaming guards kasi? haha. friendly rin ang staff! BDO rewards card!!

i dislike the long queues! walang upuan (at least sa mga branch na napuntahan ko)! sana lang makapag-open na rin ng investment accounts online. may nakagawa na ba nito?


Metrobank

may upuan sa mga branch pero over-all i dislike the old school ambiance. parang low-tech din sila. parang IT student project lang yung interface ng metrodirect account.

ambaba ng interes ngayong taon!!

i think of all three, metrobank is the one that needs the most improvement in their appeal.

so what are your views on the big three?
«13456718

Comments

  • BPI

    BDO

    Metrobank

    RCBC

    san maganda? pros and cons.. and experiences...thanks!
  • ground_breakground_break PEx Influencer ⭐⭐⭐
    Bad trip ako sa Metrobank Rufino kanina.. Walang tao sa new accounts. Anung klaseng bank yan!?!?! walang nag-maman ng booths nila...
  • bangkeroboy21bangkeroboy21 PEx Rookie ⭐
    bdo pinaka widely accepted sa mga merchants, lalo na sa mga installment na zero percent
  • gUy^gUy^ PExer
    matagal na ako sa metrobank n bpi.. ayus naman tong dalawang ito.. pros n con. hmmm... depende na siguro sa depositor yan.. ako kase malalapit sa mga manager kaya no problem at all
  • Planning to open a deposit account, which is better?
    Thanks.
  • get one of each
  • i choose bpi because of their many branches and atm machines
  • bangkeroboy21bangkeroboy21 PEx Rookie ⭐
    bdo is more accessible, lahat na ata ng kanto mayroong bdo, however, they're a bit more stringent in their applications and the maintaining bal. is 5k Bpi on the other hand mas magaan and well, like what vit up there said, accessible din, so go for bpi
  • If just in case you don't want to have an account with maintaining balance, BPI has a new savings account called Easy Saver. Zero maintaining balance. Initial deposit is only P200 upon opening. To earn interest, just maintain P1,000.00. But prior to the opening of account, you need to pay P50 for the issuance of ATM Card. Every successful withdrawal you made in BPI or BPI Family ATMs, P5 will be deducted to your savings account, but the good thing about this product is that you don't need to maintain any balance at all.
  • i'd go for BPI because they have those real-time deposit ATMs you can use to deposit if you do not want to fall in line for the teller or if you really need to deposit money even when the branch is already closed
  • BDO - poor customer service,close your account without prior notice if you fail sa maintaning balance which is 5k lalo na if withdraw end of the month,kc paliwanag nila system generated so sana me automated email din sila,sobrang haba ng pila everytime magdeposit ka sa savings,lalo na if within SM kasi most of their clients sa mall ay yung mga stores din inside the mall so malakihan ang transaction,matagal matapos..wala man *** silang separate na fast lane for single transaction..plus their bdo cashcard always offline pagdating ng 5pm,try mo mag google sobrang daming complaints about them..for me talaga i really dont like their service,to add super updated yan sila magcollect ng charges sa BDO creditcard naman yun,lagi me maling charges at need mo pa pahirapan sarili mo kaka dial ng customer service para lang mareverse..advantage lang talaga nila is open sila 7days a week ang mga BDO na nasa loob ng SM..yan lang talaga!!

    BPI - best customer service,even the guards compared sa BDO
    - mabilis ang transaction kasi paperless na sila,meaning yung transaction mo doon mo sa machine na touchscreen mo gagawin & while waiting nakaupo ka pa,unlike BDO almost 1hr ka ng nkatayo.
    - ito talaga ang the best sa BPI you can make any transaction sa bpiexpressonline.com nila,so walang hussle sa BDO baka 20years na eh di ka pa makatapos.

    naku ewan,almost everyday ako sa bank because of my atmmoneylending business and worst talaga ang BDO..when it comes to interest naman almost same lang naman yan sila,but nice mag invest sa BPI..at while waiting makikita mo pa sa screen nila mga tips on how to save so di ka mabored ma educate ka pa..im not from BPI or a BPI employeer but i really like their service.

    anyways,para maliwanagan ka and to decide where to put your hard earned money:

    The top 10 local banks in terms of Assets, Deposits and Net Income are shown below.

    Top 10 Philippine Banks, in terms of Total Assets (2009)

    Banco de Oro (BDO) Unibank – P862.049 billion
    Metrobank (MBT) – P854.307 billion
    Bank of the Philippine Islands (BPI) – P724.420 billion
    Rizal Commercial Banking Corp (RCBC) – P288.516 billion
    Philippine National Bank (PNB) – P283.300 billion
    UnionBank of the Philippines (UBP) – P244.361 billion
    China Banking Corp. – ChinaBank (CHIB) – P234.036 billion
    Security Bank (SECB) – P146.250 billion
    Philippine Savings Bank – PSBank (PSB) – P93.088 billion
    Philippine Trust Company – PhilTrust Bank (PTC) – P85.696 billion

    Top 10 Philippine Banks, in terms of Total Deposits (2009)

    Banco de Oro (BDO) Unibank – P694.678 billion
    Metrobank (MBT) – P615.700 billion
    Bank of the Philippine Islands (BPI) – P579.471 billion
    Rizal Commercial Banking Corp (RCBC) – P220.278 billion
    Philippine National Bank (PNB) – P214.317 billion
    UnionBank of the Philippines (UBP) – P194.508 billion
    China Banking Corp. – ChinaBank (CHIB) – P193.290 billion
    Security Bank (SECB) – P108.525 billion
    Philippine Savings Bank – PSBank (PSB) – P77.390 billion
    Philippine Trust Company – PhilTrust Bank (PTC) – P73.913 billion

    Top 10 Philippine Banks, in terms of Net Income (2009)

    Bank of the Philippine Islands (BPI) – P8.665 billion
    Metrobank (MBT) – P6.795 billion
    Banco de Oro (BDO) Unibank – P6.101 billion
    UnionBank of the Philippines (UBP) – P4.325 billion
    China Banking Corp. – ChinaBank (CHIB) – P4.103 billion
    Rizal Commercial Banking Corp (RCBC) – P3.328 billion
    Security Bank (SECB) – P3.062 billion
    Philippine National Bank (PNB) – P2.200 billion
    Philippine Trust Company – PhilTrust Bank (PTC) – P1.261 billion
    Philippine Savings Bank – PSBank (PSB) – P1.240 billion
  • so base sa report number one ang BDO sa assets and deposits,on my opinion siguro nga kasi dahil accessible sila..inside SM malls ba naman eh,and of course most of their clients ay mga taga SM din,all employees ng SM payroll atm is BDO,plus mga stores pa inside the mall,kaya sila number one..anyways,if me 50k higher ka na savings sa BDO at di mo gagalawin for ilang months they will send you a creditcard and advantage card..same with BPI but if madalas ka talaga mag SM din mag BDO ka na lang..try their service first then you be the judge..hehehehe, or if you want open ka ng BDO at BPI kasi up to 250k lang insured sa PDIC,never put all your eggs in one basket..hope nakatulong ako at di ko pinagulo decision making mo.
  • fernando_hierrofernando_hierro Member PEx Expert 🎖️
    so you are comparing #1 vs #3
    dapat dito BDO vs MBTC
  • so you are comparing #1 vs #3
    dapat dito BDO vs MBTC

    haha,yup! pero if tingnan mo naman, BPI's #1 when it comes to income kasi nga mas matagal na sila,first bank in the philippines so dun pa lang malalaman mo na stability nila..BDO kasi backed up by SM kaya malakas talaga hatak..hahahaha
  • XXIXXXIX PEx Rookie ⭐
    I have both BPI and BDO accounts. Honestly, I prefer BPI way better than BDO. BPI has more ATMs, no inter-branch deposit fee, BPI Express Teller ATM Card is applicable in some cool promos.
  • fernando_hierrofernando_hierro Member PEx Expert 🎖️
    celsky wrote: »
    haha,yup! pero if tingnan mo naman, BPI's #1 when it comes to income kasi nga mas matagal na sila,first bank in the philippines so dun pa lang malalaman mo na stability nila..BDO kasi backed up by SM kaya malakas talaga hatak..hahahaha

    After 1st quarter 2011, MBTC now tops the income rankings with 3.1b, then BPI 2.8b and BDO 2.4b...
  • After 1st quarter 2011, MBTC now tops the income rankings with 3.1b, then BPI 2.8b and BDO 2.4b...

    wow! thanks for that info sir:)
  • BPI over BDO anyday. The bank rankings really don't matter to me.

    I like BPI because of the following reasons:

    1. NO inter-branch fees for depositing
    2. I can withdraw from my BPI account at any branch I choose, whether its local or regional... regional withdrawal is just as fast as local withdrawal.
    3. I can encash a BPI check at any branch and mabilis ang process.
    4. It's so easy to contact their customer service... especially the credit card dept.
    *okay*
  • kinukulit ako anak ko magbukas ng savings account para sa kanya! Okay ba ang BPI Jumpstart? Gusto ko ng savings account na pangbata talaga eh. kasi negosyante talaga anak ko! Nagbebenta siya ng mga erasers and gel pens sa mga classmates niya.
  • Buti nalang may BPI Jumpstart mga anak ko! Thanks sa mga moms na nag recommend. When I forget to give them allowance, I just deposit it in their bank accounts and they can withdraw nalang. Convenient talaga!
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