CITI PESO BONUS SAVER
Want to get rewarded for saving? If yes, the Citi^{®} Bonus Saver Account is ideal for you. A minimum balance of Php 50,000 is all it takes to get started. Enjoy a high bonus interest by gradually increasing your account balance by at least Php 20,000 per month for 12 consecutive months. Earn up to 2.04% gross p.a total interest on your growing balance over 12 months. Build your savings with the power of bonus interests and fulfill your financial goals faster. Just click on “Apply for Product” and open a Citi^{®} Bonus Saver Account online today!
Up to 2.04% gross interest p.a.
Build your savings with a high interest savings account starting at Php 50,000, then increase your average balance by at least Php 20,000 per month for 12 consecutive months.
*All interest rates are gross interest rate per annum effective April 1, 2019.
** Free and unlimited account withdrawals.
 The base and bonus interest rates referred to in this section are subject to changes upon prior notice.

Starting from a base interest rate of 0.60% gross p.a., earn bonus interest rate of 0.12% gross p.a. when you increase your average balance consecutively by at least Php20,000 per month, starting from month 2 to month 12. After 6 consecutive months of increasing your average balance by at least P20,000, the applicable interest rate will be 1.32% gross p.a. (i.e., a base interest rate of 0.60% gross p.a. plus bonus interest rate of 0.72% gross p.a.)
 In case you miss to increase your average balance consecutively by at least Php20,000 during any month within the first 6 months of building your balance, the applicable interest goes back to the base interest rate of 0.60% gross p.a.

The maximum interest of 2.04% gross p.a. will be applied to your account after the 12th month if you have increased your average balance by at least Php20,000 for 12 consecutive months.
 In case you miss to increase your average balance consecutively by at least Php20,000 from the 7th month to the 12th month, the applicable interest goes back to the 6th month rate of 1.32% gross p.a.
 Should you miss to increase average balance by at least Php20,000 for two consecutive months from 7th month to the 12th month, the applicable interest will further go down from 1.32% gross p.a. to the base rate of 0.60% gross p.a. on the succeeding months.

After the 12th month, you will continue to enjoy 2.04 % gross p.a. as long as you increase your average balance consecutively by Php20,000 monthly, or maintain an account balance of Php 5,000,000.
 In case you miss to increase your average balance consecutively by at least Php20,000 from the 13th month and onwards, the applicable interest goes back to the 6th month rate of 1.32% gross p.a.
 Should you still miss to increase average balance by at least Php20,000 on any of the 13th month and onwards, the applicable interest will further go down from 1.32% gross p.a. to the base rate of 0.60% gross p.a. on the succeeding months
Citi^{®} Bonus Saver Account is a savings account that pays base interest of 0.60% gross p.a. and bonus interest if your average balance grows monthonmonth by at least Php20,000. You can earn as much as 2.04% gross p.a. total interest after 12 consecutive months of growing your average balance.
Your Bonus Saver Account earns interest in two ways:
 Base Interest of 0.60% gross p.a. is earned if your account balance is at least Php50,000.

Bonus Interest of 0.12% gross p.a. is earned if your account meets the following conditions:
 The account balance is at least Php50,000
 The current month's average balance is consistently higher than the previous month's average balance by at least Php20,000.
 Fulfilling the criteria stated in (i) and (ii) for each consecutive month for the next 12 months will translate into a 0.12% gross p.a. on the bonus interest.
 Bonus counter has a cap of 12 increments or a maximum bonus interest rate of 1.44% p.a., provided that the criteria set out in (i), (ii) and (iii) are met.
 Bonus Interest will be credited to the Citi^{®} Bonus Saver Account on the last calendar day of the month.
 The base and bonus rates are subject to change upon prior notice.
Counter  Base Interest Rate (gross p.a.)  Bonus Rate (gross p.a.)  Total Interest Rate (gross p.a.) 

0  0.60%    0.60% 
1  0.60%  1 x 0.12%  0.72% 
2  0.60%  2 x 0.12%  0.84% 
3  0.60%  3 x 0.12%  0.96% 
4  0.60%  4 x 0.12%  1.08% 
5  0.60%  5 x 0.12%  1.20% 
6  0.60%  6 x 0.12%  1.32% 
7  0.60%  7 x 0.12%  1.44% 
8  0.60%  8 x 0.12%  1.56% 
9  0.60%  9 x 0.12%  1.68% 
10  0.60%  10 x 0.12%  1.80% 
11  0.60%  11 x 0.12%  1.92% 
12  0.60%  12 x 0.12%  2.04% 
If your account's average balance for the current month did not grow by at least Php20,000 from the previous month, the account's bonus rate counter will be reset, and earn the following interest rates:
Existing Counter  Existing Total Interest Rate (gross p.a.)  Condition  New Counter Resets to:  New Total Interest Rate (gross p.a.) 

16
16 consecutive months of increasing average balance by at least Php 20,000 
0.72% to 1.32%  Average balance increase is less than Php 20,000  0  0.60% 
711
711 consecutive months of increasing average balance by at least Php 20,000 
1.44% to 1.92%  Average balance increase is less than Php 20,000  6  1.32% 
12
12 months or more increasing average balance by at least Php 20,000 
2.04%  Average balance increase is less than Php 20,000, and the account balance is less than Php 5,000,000  6  1.32% 
Average balance increase is less than Php 20,000, and the account balance is less than Php 5,000,000 and up  12  2.04% 
 Accounts in the first 6 months of building the account balance (bonus counter 1 to 6) will only earn the base rate of 0.60% gross p.a., if average balance did not increase by at least Php 20,000.
 For accounts with bonus counter 7 to 11, the account will earn 1.32% gross p.a. (counter 6) if the account's average balance did not increase by at least Php20,000.

Accounts earning the maximum rate of 2.04% gross p.a. will:

Earn 1.32% gross p.a. (counter 6), if:
 The account's average balance did not grow by at least Php20,000, and

The account's current balance is less than Php 5,000,000.
An account whose bonus counter was reverted to 1.32% gross p.a. (counter 6) should increase its average balance by at least Php20,000 the next month. If unable to do so, the account will earn zero bonus interest rate (counter 0) for that month.

Retain 2.04% gross p.a. if:
 The account's average balance did not grow by at least Php20,000, and
 The account's current balance is Php 5,000,000 and up

If you miss to increase your account balance for two consecutive months, your account will earn zero bonus rate and only the base interest rate of 0.60% gross p.a.
Bonus Counter  Existing interest rate(gross p.a.)  New interest rate (gross p.a.) if average balance did not increase by at least Php 20,000  

1 month  2 consecutive months  
0  0.60%  0.60%  0.60% 
1  0.72%  0.60%  0.60% 
2  0.84%  0.60%  0.60% 
3  0.96%  0.60%  0.60% 
4  1.08%  0.60%  0.60% 
5  1.20%  0.60%  0.60% 
6  1.32%  0.60%  0.60% 
7  1.44%  1.32%  0.60% 
8  1.56%  1.32%  0.60% 
9  1.68%  1.32%  0.60% 
10  1.80%  1.32%  0.60% 
11  1.92%  1.32%  0.60% 
12  2.04%  1.32%  0.60% 
*Accounts earning 2.04% gross p.a. and account balance is less than Php 5,000,000
Your account will start earning bonus interest again if its average balance increases by at least Php 20,000 the next month.
 If it was earning 1.32% gross p.a. the previous month, your account will now earn 1.44% gross p.a. the next month.
 If your account was reset to 0.60% gross p.a. the previous month, it will now earn 0.72% gross p.a.
 Your account will earn an additional 0.12% gross p.a. bonus interest for every consecutive month its average balance increased by Php 20,000, up to the maximum rate of 2.04% gross p.a.
You will continue to enjoy this rate as long as you increase your average balance by Php 20,000 monthly or maintain an account balance of Php 5,000,000.
The new and improved Citi^{®} Bonus Saver Account now allows free and unlimited withdrawal.
Please note of the following:
 A minimum of Php 50,000 is required to open a Citi^{®} Bonus Saver Account, subject to Total Relationship Balance (TRB) requirement of P1,000,000 for Citi Priority and P4,500,000 for Citigold per month. Your balance in Citi^{®} Bonus Saver Account is included in the computation of your TRB.
 All interest rates (base interest rate and bonus interest rate) stated herein is on a gross per annum basis and subject to withholding tax.
 All the rates (base interest rate and bonus interest rate), amount eligible for bonus interest rate, minimum amount to open and/or maintain the account, and any other features of the Citi^{®} Bonus Saver Account are subject to periodic reviews and may be changed or revised at the sole discretion of the Bank with notice. The Bank reserves the final right to determine whether to award the bonus interest to the account.
Citi^{®} accounts do not have a monthly minimum balance requirement. Instead, the client's Total Relationship Balance (TRB), which refers to the combined average daily balance of the client's deposit and investment accounts, will be used to determine the monthly balance. The TRB required per month is P1,000,000 while the minimal fee falling below TRB is P1,000.
Your account shall earn interest on a per annum basis at a rate fixed by the Bank. The Bank reserves the right to change interest rates. You shall be notified of changes in interest rates before their effectivity.