Updated Jan 14, 2021

Here are the accredited banks for receiving your SSS pension, sickness and maternity benefits and loan proceeds. 

Notice that these are all PesoNet-participating banks. SSS uses PesoNet-participating banks only.

Included in the list are some e-money cards or cash cards (DBP Cash Padala Thru MLhuillier, DCPay Philippines, Paymaya, and Union Bank Quick Card)  

New Notice from SSS about Disbursement: 
Disbursement channels na puede for each type of benefit:
. Maternity and Sickness benefit -- puede lang ang Pesonet banks
. Retirement benefit -- puede ang lahat (UMID ATM, Unionbank Quick Card, Pesonet banks, E-wallet, Cash payout outlets or remittance transfer companies)
. Unemployment benefit -- puede ang lahat
. Funeral benefit -- puede ang lahat
. Loans -- puede lang ang UMID ATM, Unionbank Quick Card at Pesonet banks
. Pension loan -- puede lang ang UMID ATM at Unionbank Quick Card


Al-Amanah Islamic Bank
AllBank (A Thrift Bank) Inc.
Asia United Bank (AUB)
Australia and New Zealand Bank (ANZ)
Bangkok Bank Public Co.
Bank of America
Bank of China
Bank of Commerce (BCommerce)
Bank of Florida Inc. (A Rural Bank)
Bank of the Philippine Islands (BPI)
BDO Network Bank Inc. (A Rural Bank)
       formerly called One Network Bank
BDO Unibank Inc. (BDO)
Camalig Bank Inc. (A Rural Bank)
Cebuana Lhuillier Bank (A Rural Bank)
China Bank Savings
China Banking Corp. (ChinaBank)
CIMB Bank Philippines
Citibank NA
Country Builders Bank Inc.
CTBC Banking Corp.
     formerly Chinatrust Banking Corp.
DBP Cash Padala Thru M Lhuillier
    issued by Development Bank of the Philippines (DBP)
DCPay Philippines
Deutsche Bank
Development Bank of the Philippines (DBP)
Dungganon Bank Inc.
East West Rural Bank Inc.
East West Banking Corp.
Equicom Savings Bank
First Consolidated Bank
HSBC Savings Bank Inc.
Industrial Bank of Korea-Manila
Innovative Bank Inc.
JP Morgan
KEB Hana Bank
Land Bank of the Philippines (Landbank) | Overseas Filipino Bank
Malayan Bank Savings and Mortgage
Maybank Philippines Inc.
Mega International Commercial Bank Co. Ltd.
   (on SSS list as Mega Intl Comml Bank Co. Ltd.)
Metropolitan Bank and Trust Co. (Metrobank)
Mizuho Bank
MUFG Bank Ltd.
Paymaya Inc.
Philippine Bank of Communications (PBCom)
Philippine Business Bank
Philippine National Bank (PNB)
Philippine Savings Bank (PSBank)
Philippine Trust Co. (Philtrust)
Philippine Veterans Bank (Veterans Bank)
Producers Savings Bank
Rizal Commercial Banking Corp. (RCBC)
Rang-ay Bank (A Rural Bank) Inc.
Rizal Commercial Banking Corp. (RCBC)
Robinsons Bank
Rural Bank of Guinobatan
Security Bank Corp. (SBC)
Shinhan Bank
Standard Chartered Bank
Sterling Bank of Asia
Sumitomo Mitsui Banking Corp. 
The Hongkong and Shanghai Banking Corp. (HSBC)
Union Bank Quick Card
Union Bank of the Philippines (UnionBank)
United Coconut Planters Bank (UCPB)
United Overseas Bank (Phils) (UOB)
Wealth Development Bank
Yuanta Savings Bank

Bank Accounts Not Accepted by SSS:

Closed account
Dormant account
Bank account name is different from SSS member name
Dollar account
Frozen account
Invalid or inactive mobile number
Joint account (both or and and/or not accepted)
Prepaid account
Time deposit account
Account with restrictions
Mobile number already used by another SSS member
Incorrect bank account number

Remember these when enrolling your account in the SSS Disbursement Account Enrollment Module:

For bank accounts, enroll your bank account number, not your card number.
Do not enter special characters like - or spaces.
For e-money like Paymaya, enter your phone number in this format -->  09185128764
Make sure na tama yong pinili mo na bank. Yong iba, napipili nila yong BDO Network Bank, imbes na BDO Unibank.
      Ang BDO Network Bank ay rural bank na pag-aari ng BDO Unibank.

For pensions and maternity benefits, do not use e-wallets, e-money cards or cash cards. Why? Because these have maximum balance limits. Usually they can contain only up to 100,000 pesos only. Paano kung more than 100k yong lump sum mo? Paano kung 70k yong maternity benefit mo?

New Tips!!!
For proof of account, upload a scan or photo of your latest deposit slip. Yong merong marks ng teller machine, merong proof na nag-deposit ka at proof na active ang account mo. Dapat clear yong bank name, account name and account number.

Does SSS accept e-money cards or cash cards?

Yes, but only these cards:
DBP Cash Padala Thru MLhuillier
DCPay Philippines
Paymaya (Make sure your Paymaya account is verified and upgraded)
Union Bank Quick Card 

* Again, do not use these cards if you are expecting to receive more than their maximum balance limits.

Puede ba ang SSS UMID card?

Yes, you can use your SSS UMID card as your ATM card, but you need first to activate your UMID card at Union Bank kiosks at SSS branches in:


*Note: Wala sa list sa itaas ang SSS UMID card kasi hindi required na i-enroll mo ang SSS UMID card mo sa Disbursement Account Enrollment Module sa online SSS account mo.

What do I present to the bank so that they won't require me to make an initial deposit of 2,000 or 3,000 pesos?

Present a Letter of Introduction (LOI) from SSS. Humingi ka ng LOI from SSS. Pero bago ka nila bigyan, sisiguraduhin muna nila na meron ka talagang kukuning benefit sa SSS, so bring your SSS benefit claim acknowledgment slip, or photocopies of your claim documents. 

I already have an existing ATM account. Can I use it to receive my sickness or maternity benefit?

Yes, puede sa mga minsanang claim, like sickness or maternity benefit or loan proceeds.

Pero kapag SSS pension, gusto ng SSS ang separate bank account. Gusto nila na hindi maisturbo ang iyong account kapag merong changes sa regular accounts dahil halimbawa sa closure of account due to non-maintenance of account.

Sa experience ng mga kilala ko, kung gusto nio ang Landbank account for your SSS pension, Landbank requires an LOI from SSS. Ayaw nila na mag-open ka ng regular savings account for your SSS pension (halimbawa ayaw mo nang pumila for an LOI at gusto mo na lang mag-maintain ng regular account).

Meron ding other banks that require an LOI from SSS, lalo na kung gamitin for SSS pension. 

If you decide to open your own account and not use an LOI from SSS, which banks offer the lowest amount of initial deposit and maintaining-balance requirement?

Easi-Save Basic account -- no maintaining balance -- 100 pesos opening fee -- offered by China Savings Bank
Regular ATM savings account -- 1,000-peso maintaining balance -- offered by BPI Family Savings Bank

If you're near these rural banks, their maintaining-balance requirements are lesser than the commercial or thrift banks:
BDO Network Bank
Camalig Bank Inc. (A Rural Bank)
Cebuana Lhuillier Bank (A Rural Bank)
East West Rural Bank Inc.

Sickness, Maternity and Employees' Compensation Payment thru the Bank.

If your SSS membership type is OFW, Self-Employed, Voluntary, Separated, or Non-Working Spouse, you will now receive your SSS sickness benefit, SSS maternity benefit or Employees' Compensation benefit through your bank account.

This is called the SMEC-PB program, which means Sickness, Maternity and Employees' Compensation Payment thru the Bank.

The initial name of this program was SSS Sickness & Maternity Benefits Payment Through the Bank (SMB-PB) program.

You will receive your benefit through your bank account with any of the following Philippine banks. It should be a savings account, and a single account (yours only) and not a joint account. It can be an atm account or passbook account.
Here's the enrollment portion of the Maternity Benefit Application form
                        for individual members (not employees)




BANK NAME AND BRANCH ________________________________
BANK BRANCH ADDRESS__________________________________ZIP CODE
BANK ACCOUNT NAME____________________________________

What is PESONET?

Which banks are members of PESONET


Unknown said…
I'm an ofw and just applied for salary loan, enrolled my BDO unibank as disbursement bank,is this bank accredited of SSS?
Nora said…
Yes, BDO is accredited by the SSS for disbursement of loans and benefits
Anonymous said…
is DCPAY accredited for maternity Benefits? thank you.
Nora said…
Yes, sa new list nila sa bank enrollment sa online SSS ay andon ang DCPAY. Andon din ang mga other e-money cards na Paymaya, DBP Cash Padala via MLhuillier at Union Bank Quick Card. Wala pa sa list ang GCASH, siguro later on
Unknown said…
Is it free po kung may letter of introduction ako from sss?
Nora said…
Yes, ang ipapa-open nila sa iyo ay yong basic account na no-maintaining-balance, pero mag-initial deposit ka pa rin ng around 100 pesos, or you pay the atm card, which is 150 to 200 pesos. Pero merong mga banks na wala nang basic account, like BDO, BPI or Metrobank (although puede itong big banks na ito kapag pension account).
Anonymous said…
Need po ba na ienroll ang bank account sa sss app kahit cash card lang ang gagamitin?
Unknown said…
Can you please send me a sample of letter of introduction? Thank you
Nora said…
Hi, sorry wala akong kopya nito, pero hihingin mo naman ito sa SSS branch. Bibigyan ka nito kung meron kang initial documents na magpapakita na meron kang make-claim na benefit from SSS. Anong itsura nito? Ito ay nasa regular-size bond paper. Merong logo ng SSS sa header, addressed ito sa SSS-accredited bank. Nakasulat doon something like "Kindly assist our member _____ to open an account with your bank. This will be used by SSS for releasing her/his benefit." Dalhin mo lang ito sa gusto mong SSS-accredited bank with your valid ID. Magdala ka na rin ng proof of address kasi merong bank na nagre-require nito.
Unknown said…
Can I use atm from unionbank online banking?
Google said…
Pwede po bang gamitin s maternity yung GRBANK(Guagua rural bank) wala po kase s list ng my.sss thalnk you
Unknown said…
Is BDo NetworkBank(One Network bank) accredited by sss for disburement of loans and benefits? pls reply asap thank you
Nora said…
Yes, it's accredited for loans and benefits. BDO Network Bank, A Rural Bank is on the dropdown list on the SSS online bank enrollment feature.
Nora said…
Oo, wala yong Guagua Bank sa dropdown list sa online SSS. Kasi hindi pa member ng Instapay or PesoNet ang Guagua Bank. Mamili ka na lang sa mga banks na nasa list sa My.SSS.
Unknown said…
Hello po. Year 2018 nung naka claim ako ng maternity benefit ko. Hindi daw pwede ang checking accnt. Kaya nag open ako ng savings account sa bpi. Nag closed na ung bpi ko. Nabasa ko dito na pwede narin ang checking account? Gamit ko po checking account ng ucpb. Thanks
Nora said…
Hi, sorry, pero mag-open ka uli ng savings account, kasi I think na naka-automatic na savings account ang settings ng mga deposits ng SSS sa bank. Thank you rin for your comment kasi buburahin ko na yong checking account -- palagay ko namali yong advice sa SSS na nabasa ko. Mag-open ka sa any bank na nakalista sa online account mo pag i-click mo yong bank enrollment.
Unknown said…
Ok po. Thank you
Anonymous said…
Pwde ba yung bdo debit card from my seperated employment?. or kailangang magonline banking talaga?
Nora said…
Para sure na hindi pa close ang debit card mo, mag-try kang magdeposit ng 100 pesos over the counter. Kung tanggapin, ibig sabihin active at puedeng tumanggap ng deposit na hindi from your company. Tanungin mo na rin yong teller kung regular account na ba or payroll account pa? Kung regular account na, kelangan mo nang i-maintain ang maintaining balance na 2k, kasi regular account na siya at hindi na payroll account. Kung ok na, i-enroll mo na itong BDO account mo sa SSS online account mo.
Unknown said…
Hello po. May katanungan po sana ako ulit. Ung Paymaya Inc... Ung ilalagay po sa online registration (bank accnt) un ung number sa paymaya. Tama po ba? Ex. +639000000000.. Ang hirap po kc mag open sa bank. May hiningi cla na letter from sss
Unknown said…
Pwede po bang gamitin ang BPi family saving ? Yun lang po kasi meron akong atm e
Anonymous said…
Hello po! Paano po i oonline yong UB atm card na patanggap ko galing UB..kasi pagkabigay sa akin ng atm, sinabi lng na io-online ko daw...pleassee po pahelp
Nora said…
Hi, ang ibig sabihin ay i-enroll mo sa online SSS account mo yong UB bank account mo. Meron ka na bang online SSS account? Meron kang UMID ID? or SSS contribution payment receipt? Kelanganin mo kasi yan sa pag-enroll. Kelangan mo rin ang email account, mas maganda kung Gmail account. I-note mo ang email address mo and password mo para hindi mo makalimutan. Punta ka lang sa https://www.sss.gov.ph/, check mo "I am not a robot", the Submit, click mo yong Member, then hanapin mo yong "Register" or "Not yet enrolled" at i-click mo, then register. Pag meron ka nang account, login ka, then click mo "E-Services" then "Bank Enrollment" at i-enroll mo yong UB account mo.
Nora said…
Hello, yes puede. Nabasa ko sa Paymaya or sa FB ng SSS na 09xxxxxxxxx ang gamitin na format, yong 11-digit mobile phone number.
Anonymous said…
Hi. BPI Family Savings Bank kasi ang meron ako pero ang nakita ko lang na accredited bank sa SSS ay yung BPI lang. Same lang po ba sila? Sabi po kasi ng iba magkaiba daw po.
Unknown said…
Good day! Okey lang po ba gamitin yung Rcbc atm card ko from my seperated employer? At dapat po na enroll na agad yung atm if mag face to face interview plng sa sss for maternity benefits.
Nora said…
Hi, oo magkaiba sila. Pero they belong to the same company group. BPI is the parent company of BPI Family. Sa SSS online enrollment ng bank, BPI lang yong andon sa dropdown list, so puedeng BPI yong i-click. Sa online banking naman at sa ATMs nila, BPI uses the same and a single system. At saka natanong ko na dati sa BPI at oo raw i-select daw yong BPI kahit BPI Family ang account.
Nora said…
Para sure, kasi baka biglang i-close ng RCBC yong account mo dahil hindi nadedepositohan ng company mo at baka merong tag yong account na "only for deposit from XXX Co.", i-balance inquiry mo sa RCBC ATM to check if it's active, then pasok ka sa any RCBC branch and ask kung puedeng gamitin sa SSS maternity benefit at paano ma-ensure na hindi muna iko-close ng RCBC
Unknown said…
Hello po, pwede po ba gamitin ang BDO kabayan savings account po, for maternity benefits?
Unknown said…
hello po pwede po ba ung komo na under ng easwest bank?
Unknown said…
hirap po kasi mag open ng bank account kc wla ako primary ids
Unknown said…
Hello po matanong ko lang po, metrobank yong acc na meron ako. 100 balance na ata kasi naubos nung lockdown tapos hindi pa kami bumabalik sa work. Pwede po na yung metrobank as referrence ko sa bank na huhulogan ng maternity ko?
Nora said…
Payroll account ba yan? Meaning yong company nio ang nag-pa-open para sa inyo? Kasi kung payroll account yan, active pa yan. Try mong mag-balance inquiry sa Metrobank, o para sure, pumasok ka sa loob then pa-check mo kung payroll account ba yan. Kung closed na yan, puedeng PayMaya, mag-download ka lang ng Paymaya, activate, verify then upgrade. Kelangang upgraded account ang Paymaya. To upgrade: https://www.paymaya.com/quick-guide/upgrade. Yong phone number mo sa Paymaya mo ang i-enter mo na account number mo pag i-enroll mo sa online account mo sa SSS. Format ay 09171234567 or 09181234567.
Anonymous said…
Hello po. Recently I opened BDO Kabayan savings, is it accredited po ba to be enrolled in sss sa pagkuha ko po ng maternity ko? Thank you po.
Unknown said…
Hello po pwde po ba ung hello money ng aub. Gamitin q po sa claim ng maternity bnfets kopo?
Nora said…
Hi, sorry hindi puede ang Hello Money, kasi ito ay prepaid account, at ang puede lang interbank transfer nito ay Instapay. Ang gamit ng SSS is Pesonet, hindi Instapay.
Puede ang Paymaya. Download the app Paymaya. I-upgrade mo. Here's how to upgrade your Paymaya.. Within 3 days ang upgrade. Puede rin ang DBP Cash Padala thru MLhuillier. Kung merong malapit na MLhuillier sa iyo, magtanong ka muna sa kanila kung okay sa iyo ang service nila.
Nora said…
Ang IDs accepted by Paymaya for upgrade ay ito lang muna: Driver's License, Passport,
UMID or SSS ID (digitized, with photo), PRC License, Postal ID (issued 2015 onwards),
NBI Clearance.
Unknown said…
Pwede po ba gamitin yung paymaya account para sa Maternity Benefit ?
Nora said…
Yes, puede, nasa list ng SSS sa Disbursement Account Enrollment Module ang Paymaya. Basta verified o upgraded. How to upgrade Paymaya
Unknown said…
Paano po kong settled claim na nong Jan.11 pa mga ilang days pa po kaya bago dumating? Saka po nong nag balance po ako nabawasan ng nabawasan yong 2k na maintaining balance ko, mag kakaroon po kaya ng problem last December po ako nag open ng Bdo account ko tapos nabawasan din po agad
Unknown said…
Ano po ang nakalagay pag na ideposit na sa bank account ang maternity claim? Thank you po
Nora said…
Ang alam ko, "Settled" pa rin yong status sa online account at hindi na nila ini-indicate na andon na sa bank account. Before the pandemic, naidedeposit ang pera mga 7 days to one month after "Settled". Ngayon, up to more than a month na, based sa mga complaints online.
Nora said…
Kung 300 pesos ang nabawas sa account mo agad-agad after opening, hinold ng BDO ang 300 para sa penalty kung halimbawa iko-close mo ang account within 30 days from opening. Dapat laging meron at least 2k pesos sa account mo (kasama yong 300 na na-hold), pero kung hindi mo ma-maintain, make sure na merong MORE THAN 300 pesos sa account mo, at nang sa ganon, kahit nagbabawas ng 300 pesos para sa below-balance penalty, hindi mag-ze-zero or negative balance, at hindi automatic na mag-close, up to the time na makuha mo na yong benefit mo.
Nora said…
Sorry, pero today, nag-release ang SSS ng notice na ang maternity benefit ay ipapadala lang thru PesoNet banks, kahit PesoNet receiving app naman ang Paymaya. Nakakainis, di ba? Bakit ngayon lang sila magsabi ng ganyan? Puede naman ang Paymaya sa Pesonet.
Pero ganon talaga. Sorry
Unknown said…
good morning po. maam pano po ang gagawin ko kung ang status sa disbursement ko is incorrect bank account pwede po ba akong magpalit ng bank account.
Unknown said…
paano po kung settle na nung dec. 16 ang matben ko at naenroll ko sya ng disbursement pero lumabas incorrect bank account. paano po ang gagawin ko?
extrablogger said…
Hi! is it true na di acceptable ang payroll account?, I tried to enroll my payroll account and attached atm screenshot that contains card number with my name, but unfortunately disapproved.
Nora said…
Hi, SSS says they accept payroll accounts that accept deposits by sources other than your company. Is your payroll account a cash card? And you wrote the cash card number on the "Disbursement Account No." field? If yes, SSS must be looking for another proof that the cash card is active, like a deposit slip showing that you have recently deposited to your cash card, with your name and cash card number on the deposit slip, with bank machine marks.
Or are you claiming a maternity benefit? Cash card is not allowed since many cash cards have maximum deposit limits.
Or is your payroll account a savings account? If yes, SSS wants a deposit slip showing you have recently deposited to your account, with your name and account number, with bank machine marks.
Nora said…
My basis: My relative recently filed for his retirement pension, and what they required is not a photo of the atm card of his savings account, but the initial deposit slip
extrablogger said…
hi NORA!thank you for reply,yes my payroll account is saving account,and i already deposited 100 pesos to my account and haved my deposit slip and attached as supporting doc,still waiting for the approval,hope it will be approved.
extrablogger said…
how many days po ba ang approval once you enrolled disbursement account?
Nora said…
Hi extrablogger, oo hopefully ma-confirm na nila account mo. Gawin mo rin yong additional instruction ng SSS. Merong bagong instruction ang SSS dito kapag rejected ang account: Facebook SSS on disbursement re-enrollment
extrablogger said…
Thank you NORA, but upon checking sabi "No Re-disbursement records found."
Anonymous said…
Hi,kung mg apply ka ng salary loan ibbawa ba ang calamity loan?
Anonymous said…
Hi. Yung tatay ko ay nakapag-open ng single savings account using LOI. Kasalukuyan, yung account na yon ay ginagamit para sa disbursement ng kanyang partial disability benefits. Sya ay naghuhulog parin ng contribution. Nung chineck ko yung SSS account nya, sinasabi na sya ay eligible to apply for salary loan . Pwede bang i-enroll yung single savings account na yon para dun sa salary loan proceeds nya? Thanks in advance.
Nora said…
Hi, naka-enroll na yong savings account niya, at approved and verified na kasi ginagamit na ng SSS for disbursement, so hindi na kelangang i-enroll uli. Doon na ihuhulog yong salary loan kung ma-approve. Yong account number na yon na ang i-enter mo doon sa salary loan application mo for him.
Unknown said…
Paano po if ung ginamit na account sa sss maternity if diactivate na.. ano po pwede gawin?mg oopen account ulit po b q?tnx
Nora said…
Closed bank account: Kung BDO, hindi nagpapa-reactivate ang BDO, so open a new account. Kung ibang bank, at bago lang na-closed, ask your bank kung puedeng ipareactivate at kung meron bang penalty na babayaran. Kung merong penalty, mag-open na lang ng new account. Kung mag-update ka na sa SSS online, icheck mo muna yong "Benefit Re-disbursement Module" kung merong instructions doon at kung wala, doon ka mag-update sa "Disbursement Account Enrollment Module".
Previous Post Next Post