Gerard
gesacramento@securitybank.com.ph

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Updated September 27th, 2023 by Gerard

What will happen if I miss a payment in my credit card?

A late payment fee of PHP1,000 (USD20) or unpaid minimum amount due, whichever is lower, will be billed to your account on top of other transactions. Your account will also have a history of being overdue and may be reported to credit bureaus....

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Updated September 27th, 2023 by Gerard

What should I do if I do not receive my Statement of Account?

For your physical Statement of Account (SOA), please ensure that your delivery address is up to date in our records. If you need to update your contact information, you can do so by filling out our online form here . Please note that Cashback Platinum cardholders are not issued a Physical SOA. Alternatively, you can access your eSOA through: Securit...

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Updated September 27th, 2023 by Gerard

What is ReadyCash?

ReadyCash allows you to convert your credit limit to cash and pay in easy monthly installments. If you are interested, you can avail of ChargeLight anytime by clicking here...

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Updated September 27th, 2023 by Gerard

How much can I avail for Cash Advance?

The minimum amount that can be availed is PHP500 while the maximum amount that can be availed depends on the Cash Advance Limit and Available Credit Limit in your Account. You may refer to your Security Bank Online for your updated Cash Advance available limit. Your cash advance limit is updated on your next cut-off date after payment has been poste...

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Updated September 27th, 2023 by Gerard

How do I get Cash Advance PIN?

Starting June 23, 2023, your Cash Advance PIN will be available within 9-14 banking days after activating your card. If you need to request a lost or changed Cash Advance PIN please visit this....

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Updated October 25th, 2023 by Gerard

Why is my request delayed?

Here are the possible reasons why your collateral release request has been delayed: •    Pending payment applicationThis happens if your last loan payment has not yet been posted at the time you filed your collateral release request. Please note that it usually takes three (3) banking days to post loan payments on our end. Once endorsed, you will re...

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Updated October 5th, 2023 by Gerard

How do I change or update my registered email or number in Security Bank Online (SB Online)?

If you wish to change your SB Online mobile number and/or email address, you can file a request via our Customer Information Update (CIU) webform here .  After submitting your request, please allow 3 banking days for your updated contact details to be reflected. Please keep in mind that once the processing is successful, your SB Online and selected ...

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Updated September 27th, 2023 by Gerard

Is there a grace period if I pay a day or two after my due date?

No. Should your due date fall on a weekend or holiday, we suggest you settle your payables before your due date to avoid incurring late payment fees and interest charges....

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Updated September 27th, 2023 by Gerard

How can I check the delivery status of my credit card?

To check the delivery status of your credit card, please visit the courier's website and enter the tracking number provided in the SMS delivery notification you received. You may also contact their customer hotline if needed. For your convenience, here is a list of our approved couriers and their details: 2GO Website:   2GO Track and Trace Contact N...

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Updated September 27th, 2023 by Gerard

How do I pay my billing statement in US Dollars? (for dual currency billings)

You can pay your credit card bill (in US Dollars) at any Security Bank branch or via Automatic Debit Arrangement (ADA). Your SBC deposit account has to be in USD for us to process your ADA enrollment....

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Updated September 27th, 2023 by Gerard

How do I activate my new Security Bank Credit Card via SMS?

You can activate your new credit card by sending an SMS using your registered mobile number. Send it to 2086 (for GLOBE and TM) and 4629 (for SMART and TNT) using the following format: SBCARDS[space]ACTIVATE[space]Birthdate(mmddyy)/ExpiryDate(mmyy)/(last four digits of your card number) Example: SBCARDS ACTIVATE 052274/1217/6813...

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Updated September 27th, 2023 by Gerard

Can I check my credit card balance via SMS?

Yes, you may inquire the following credit card balances via text: Available Credit Limit Outstanding Balance Total Amount Due and Minimum Amount Due You may inquire your SBC Credit Card’s balance by sending an SMS using your registered mobile number. Send it to 2086 (for GLOBE and TM) and 4629 (for SMART and TNT) using the following format. Please b...

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Updated September 27th, 2023 by Gerard

Is the credit card balance inquiry feature via SMS available to all mobile subscribers and networks?

This SMS facility is only available to all Security Bank Cardholders with registered SMART, Globe, TM, and TNT mobile numbers. For your reference, below are the short code numbers to use for credit card activation per mobile network. Send to 4629 for SMART and TNT subscribersSend to 2086 for Globe and TM subscribers...

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Updated October 5th, 2023 by Gerard

How to receive eGC?

To receive an eGiveCash (eGC) from someone, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online) . 2.    Click “Payment & Transfer” under the menu and choose “Transfer Funds” and select “From eGiveCash to your account.” 3.    Select your destination account under “To". 4.    Fill out the transaction det...

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Updated September 27th, 2023 by Gerard

Can I use my credit card overseas?

Yes, you may use your credit card overseas as long as the merchant accepts Mastercard. Shop hassle-free and let us do the conversion for you. No matter the currency, you will still be billed in Philippine Pesos. If your credit card is a Security Bank Mastercard Platinum or Mastercard World, you can enjoy Dual Currency Billing and pay for internation...

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Updated September 27th, 2023 by Gerard

How will I be notified of card promotions or events?

We regularly send emails to your registered email address and SMS to your registered mobile number. New promos may also be found in your monthly Statement of Account and our Promos and Events Page: bit.ly/botCardPromos....

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Updated September 27th, 2023 by Gerard

Is there a fee if I inquire my credit card balance via SMS?

Yes, your mobile network will charge you PHP1 for sending the text message. However, no fees will be billed on your SBC credit card statement for using this SMS facility for card balance inquiry...

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Updated September 27th, 2023 by Gerard

How do I enroll my credit card to electronic Statement of Account (eSOA)?

To enroll in our electronic Statement of Account (eSOA), you may fill out our  online form  or call our Customer Service Hotline at (02) 8887-9188 for real-time eSOA enrollment. Alternatively, you can also access your eSOA via our official online banking application, available here ....

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Updated September 27th, 2023 by Gerard

How soon will my credit card payment be posted?

Payments shall be posted to your account within 2-3 banking days. Please be guided that no payments are processes on weekends and holidays. Should your due date fall on a weekend or holiday, we suggest you settle your payables before your due date to avoid incurring late payment fees and interest charges....

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Updated September 27th, 2023 by Gerard

Is there a fee if I activate my credit card via SMS?

Yes, your mobile network will charge you PHP1 for sending the text message. However, no fees will be billed on your SBC credit card statement for using this SMS facility for card activation....

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Updated September 27th, 2023 by Gerard

Where can I check how many Rewards Points I have earned?

You can check your total rewards points in your monthly electronic Statement of Account (eSOA)...

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Updated September 27th, 2023 by Gerard

Understanding your Statement of Accout

 Billing Address Card Number and Statement Date Payment Due Date - Payment must be received no later than this date. Credit Limit – Total Amount of what you can spend on your credit card. Total Amount Due – Total balance payable to your card. Minimum Amount Due – Minimum amount that can be paid to avoid the account from going into default. Rewards P...

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Updated September 27th, 2023 by Gerard

My credit card is defective, what should I do?

If you have received a defective card, please contact us immediately through any of the following channels to initiate the process of getting a replacement card: 24/7 Customer Service Hotline at (02) 8887-9188 Sending an email request to customercare@securitybank.com.ph At a Security Bank branch near you However, if your card arrived in good physica...

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Updated October 12th, 2023 by Gerard

Do you have any plans in the future to implement OTP alternatives?-copy-471

Yes. We are continuously looking to improve customer experience in Security Bank Online (SB Online). We shall notify our customers accordingly once we have implemented new authentication methods apart from Mobile OTP.  ...

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Updated October 5th, 2023 by Gerard

Do you have any plans in the future to implement OTP alternatives?

Yes. We are continuously looking to improve customer experience in Security Bank Online (SB Online). We shall notify our customers accordingly once we have implemented new authentication methods apart from Mobile OTP.  ...

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Updated September 27th, 2023 by Gerard

What is Credit Card Rewards?

Credit Card Rewards is a program that allows you to accumulate reward points whenever you use your Security Bank credit card and convert them into exciting products or deals. From the latest gadgets, flyer miles, dining and shopping deals, to even waived fees, you can get the most out of your points with Security Bank credit card rewards. Redeem you...

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Updated September 27th, 2023 by Gerard

Why didn’t I receive an SMS reply after sending the keywords for ACL, OB and TADMAD inquiry?

If you did not receive an SMS reply, the following scenarios may have occurred: You may have typed in an invalid keyword or card details. Please verify and ensure that correct format and card information are entered. You may have used an invalid short code number. Please verify and ensure that you use the correct short code number based on your mobi...

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Updated October 6th, 2023 by Gerard

How do I add favorite recipients or billers?

To add an account as a favorite recipient, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online)   2.    Click “Payment & Transfer” and choose “My Favorites”. 3.    Select the type of the favorites you want to add under “Add Favorites”: Fund Transfer Transfer to Other Bank Billers E-Give Cash Recipient R...

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Updated September 27th, 2023 by Gerard

Who can access the credit card balance via SMS?

Only Primary Cardholders can access their credit card balances via SMS using their registered mobile number....

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Updated October 5th, 2023 by Gerard

How to Reload Mobile?

To load your prepaid mobile number or send load to others with the Security Bank Online (SB Online), please follow the steps below:   Via website: 1.    Login to the Security Bank Online (SB Online) . 2.    Click “Payment & Transfer” under the menu and choose “Reload Mobile.” 3.    Select your source account under “From" and your destination acc...

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Updated September 27th, 2023 by Gerard

Can I transfer balances from my other credit cards to my Security Bank Credit Card?

Yes. You may transfer your other credit card balances via Security Bank's balance transfer service. To apply for the Balance Transfer program, simply go to this link.  ...

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Updated September 27th, 2023 by Gerard

My credit card was damaged, what should I do?

You can request a new card via any of the following: 24/7 Customer Service Hotline at (02) 8887-9188 Sending an email request to customercare@securitybank.com.ph At a Security Bank branch near you Please be advised that a corresponding replacement card fee of PHP400 will be charged per card. Click here for the complete list of fees and charges. A cr...

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Updated September 27th, 2023 by Gerard

Will I be notified every time I used my credit card?

No. You will only be notified if there are any unusual or out-of-pattern transactions made in your card. We will then request for your confirmation of the transaction to ensure that these are authorized by you...

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Updated October 24th, 2023 by Gerard

How will I be able to track the status of my request?

After submitting your collateral release request, you’ll receive an email from collateralrelease@securitybank.com.ph to your registered email address, notifying you when your documents are ready for pick up. Processing may take up to 15 banking days. To check your request status, click here.    ...

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Updated October 24th, 2023 by Gerard

Where can I pick up my collateral documents?

For Metro Manila residents, document pickup is available at our Security Bank Head Office at 2F Security Land Center Bldg. 6797 Ayala corner Rufino, Makati City. Your documents will be held at our provincial hubs for those outside Metro Manila, as indicated in the email notification, along with contact information for assistance and additional relea...

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Updated October 24th, 2023 by Gerard

What are the complete requirements needed to claim the collateral documents?

To ensure a hassle-free collateral pickup process, please make sure to bring all the necessary requirements listed below: I.    Release to Principal Borrower and Co-Borrower/s (if applicable) – who have signed the loan documents: All parties must be present and provide their original two (2) valid government IDs. II.    Release to Principal Borrower...

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Updated October 24th, 2023 by Gerard

Why do we need the cancellation of mortgage?

Mortgage cancellation is important because it frees your property or vehicle from previous encumbrances and protects you from liabilities which can result in foreclosure. Once your property or vehicle is free from mortgage, you can easily sell, donate or transfer ownership.   ...

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Updated October 25th, 2023 by Gerard

Why is my request delayed?

Here are the possible reasons why your collateral release request has been delayed: •    Pending payment application This happens if your last loan payment has not yet been posted at the time you filed your collateral release request. Please note that it usually takes three (3) banking days to post loan payments on our end. Once endorsed, you will r...

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Updated October 5th, 2023 by Gerard

How to Report Trip Abroad (for credit cards)?

To report your Trip Abroad, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online) . 2.    Click “Account Requests” under the menu and choose “Report Trip Abroad.” 3.    Fill out the details and select the type of card usage. 4.    Double-check your details, and then click "Confirm." Via app: 1.    Login to t...

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Updated September 27th, 2023 by Gerard

How will I know if my activation was successful?

Here is an example of the SMS notification you will receive: “Your card number ending in XXXX has been activated. If you did not authorize this request, call our Customer Service Hotline at (02) 88887-9188. Thank you.” “Dear Mr./Ms.(Surname), we are happy to inform you that your new Security Bank Mastercard ending in XXXX is now active. For any conc...

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Updated October 24th, 2023 by Gerard

What are the requirements if the borrower/s is already deceased?

To release the collateral documents to the surviving co-owner/s, co-borrower/s, or the appointed surviving heir/s, must present the following documents as stated in the Deed of Extrajudicial Settlement; 1.    PSA copy of Death Certificate 2.    PSA copy of Marriage Certificate – if the claimant is the Spouse.3.    PSA copy of Birth Certificate – if ...

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Updated October 24th, 2023 by Gerard

How much is the processing fee for Cancellation of Mortgage?

The amount for a mortgage depends on the location of the Registry of Deeds (RD) and the mortgage amount. Clients can inquire from the RD stated on the first page of TCT/CCT. However, for reference purposes (unofficial), the RD uses the following computation based on RPT: Mortgage amount X 10% = Amount from RD Table  ...

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Updated September 27th, 2023 by Gerard

Should I expect for my SOA even if I didn’t make any transaction for a specific cut-off?

A Statement of Account (SOA) is generated when there is a transaction made within a cut-off period. However, here are other reasons you can receive a SOA: If you have an outstanding balance. This applies even if your card is cancelled or inactive. If you have an overpayment or a negative balance from past billings. If you have redeemed a reward or r...

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Updated March 22nd, 2024 by Gerard

Where can I pay my credit card dues?

There are several ways to pay your credit card bill (in Philippine Peso) Through Security Bank Online. Click here to enrol or log in to SB Online now. Over-the-counter at any Security Bank branch near you. Click here to find our updated list of branches and banking hours.  Using any Security Bank ATM. Click here to locate an SBC ATM near you. At any...

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Updated October 24th, 2023 by Gerard

What are the complete requirements needed to claim the collateral documents?

To ensure a hassle-free collateral pickup process, please make sure to bring all the necessary requirements listed below: I.     Release to Principal Borrower and Co-Borrower/s (if applicable) – as indicated on the loan documents All parties must be present and provide their original two (2) valid government IDs. II.    Release to Principal Borrower...

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Updated September 27th, 2023 by Gerard

Are there other ways to activate my card?

Aside from card activation via SMS you may also activate your card by calling our Customer Service Hotline at (02) 8887-9188....

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Updated September 27th, 2023 by Gerard

Can I pay for my utility bills using my Security Bank credit card? How do I enroll?

Yes, with Bills Assist you can consolidate all your utility bills (e.g., water, electricity, cable, etc.) and we bill you in just ONE due date. Monthly billings will be automatically charged to your Security Bank Credit Card. Bills Assist transactions also earn rewards points (except Meralco and PLDT). To enroll, click here. Note: Complete Cashback ...

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Updated October 25th, 2023 by Gerard

My Home Loan is fully paid. How can I request for the release of my collateral documents?

You may request for the release of your original collateral documents through the following official bank channels: 1.    Online on our official website   1.    First, go to Loans Services. Then, choose the option Loan Document Request and click Next.2.    On the next page, carefully read the information provided and select all the tick boxes if you...

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Updated September 27th, 2023 by Gerard

What should I do if I lose my credit card?

If you are trying to report a lost or stolen card, please contact us immediately through any of the following channels: 24/7 Customer Service Hotline at (02) 8887-9188 At a Security Bank branch near you Our Report Lost or Stolen Credit Card webform Please be advised that a corresponding replacement card fee of PHP400 will be charged per card. Click ...

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Updated September 27th, 2023 by Gerard

Where can I get my Statement of Account?

For electronic statements (eSOA), you will receive them in your registered email 3-5 days after your cut-off. For printed copies, you will receive them at your billing address within 7-10 days after your cut-off....

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Updated October 5th, 2023 by Gerard

How do I send eGC?

To send an eGiveCash (eGC), please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online)  2.    Click “Payment & Transfer,” and choose “Transfer Funds,” and select “To a mobile number (via eGiveCash).” 3.    Select your source account under “From" and your destination account under "To." 4.    Fill out the tran...

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Updated October 5th, 2023 by Gerard

How do I transfer funds to other bank accounts?

To transfer funds to other Security Bank accounts, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online)   2.    Click “Payment & Transfer” and choose “Transfer Funds” and select “To someone else’s Security Bank Account.” 3.    Select your source account under “From" and your destination account under "T...

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Updated October 25th, 2023 by Gerard

Where I can pay my outstanding balances?

You can pay your balances by visiting any Security Bank branch to make an over-the-counter payment. Kindly provide the following details below when paying: •    Borrower Name•    Borrower Contact Number•    Loan Type•    Promissory Note Number•    Nature of payment Once paid, remember to email us a copy of the Universal Transaction Slip (UTS) as pro...

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Updated September 27th, 2023 by Gerard

Will the Customer Level Limit affect my statement cut-off date?

The statement cut-off date of your credit cards will remain the same. This means that you have the flexibility to exhaust your Customer Level Limit on the card that has the most convenient due date for you. It allows you to maximize your spending according to your lifestyle by choosing which card you want to exhaust the limit on (without the need to...

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Updated October 25th, 2023 by Gerard

Where can I pay my outstanding balances?

You can pay your balances by visiting any Security Bank branch to make an over-the-counter payment. Kindly provide the following details below when paying: Borrower Name Borrower Contact Number Loan Type Promissory Note Number Nature of payment Once paid, remember to email us a copy of the Universal Transaction Slip (UTS) as proof of payment, and pl...

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Updated October 12th, 2023 by Gerard

Is the revised Terms and Conditions going to be uploaded in the Security Bank Online (SB Online)?-copy-471

Yes, it is uploaded in New Security Bank Online . Click on 'Terms and Conditions' at the bottom of the page....

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Updated October 12th, 2023 by Gerard

How do I send eGC?-copy-471

To send an eGiveCash (eGC), please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online)  2.    Click “Payment & Transfer,” and choose “Transfer Funds,” and select “To a mobile number (via eGiveCash).” 3.    Select your source account under “From" and your destination account under "To." 4.    Fill out the tran...

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Updated October 12th, 2023 by Gerard

I received an email regarding the revised Security Bank Online Terms and Conditions. Is this legitimate?-copy-471

Yes. The revised New Security Bank Online Terms and Conditions is effective January 8, 2023....

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Updated October 12th, 2023 by Gerard

How to Report Trip Abroad (for credit cards)?-copy-471

To report your Trip Abroad, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online) . 2.    Click “Account Requests” under the menu and choose “Report Trip Abroad.” 3.    Fill out the details and select the type of card usage. 4.    Double-check your details, and then click "Confirm." Via app: 1.    Login to t...

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Updated October 12th, 2023 by Gerard

How to Reload Mobile?-copy-471

To load your prepaid mobile number or send load to others with the Security Bank Online (SB Online), please follow the steps below:   Via website: 1.    Login to the Security Bank Online (SB Online) . 2.    Click “Payment & Transfer” under the menu and choose “Reload Mobile.” 3.    Select your source account under “From" and your destination acc...

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Updated October 12th, 2023 by Gerard

Will I be able to receive my Mobile OTP when I’m abroad?-copy-471

Yes, you should be able to receive an OTP to your mobile number under the following conditions: a.    Your mobile number (whether it's local or international) is registered in our records. b.    Roaming is activated on your mobile number.  ...

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Updated October 24th, 2023 by Gerard

How do I check the location of Registry of Deeds (RD) for a specific property?

You can identify the registered PNCHM by the presence of an RD stamp....

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Updated October 24th, 2023 by Gerard

What are the requirements if the borrower/s is already deceased?

To release the collateral documents to the surviving co-owner/s, co-borrower/s, or the appointed surviving heir/s, must present the following documents as stated in the Deed of Extrajudicial Settlement; 1.    PSA copy of Death Certificate 2.    PSA copy of Marriage Certificate – if the claimant is the Spouse.3.    PSA copy of Birth Certificate – if ...

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Updated October 12th, 2023 by Gerard

How do I transfer funds to other bank accounts?-copy-471

To transfer funds to other Security Bank accounts, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online)   2.    Click “Payment & Transfer” and choose “Transfer Funds” and select “To someone else’s Security Bank Account.” 3.    Select your source account under “From" and your destination account under "T...

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Updated September 27th, 2023 by Gerard

Can I use any mobile number to activate my credit card?

No, you can only use the mobile number that you registered upon application. If you wish to update your contact details, you may call our Customer Service Hotline at (02) 8887-9188 or fill out our  online form ....

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Updated October 24th, 2023 by Gerard

What is annotation of mortgage?

Annotation of Mortgage is a formal notation or registration made on the title or property document to indicate the presence of a mortgage. It serves as a public record and notifies any potential buyers or interested parties that the property has a mortgage. It ensures transparency and protects the rights of both the lender and the borrower in relati...

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Updated September 27th, 2023 by Gerard

How long will my card be delivered to me?

You can expect the delivery of your new card within 5-7 banking days for Metro Manila addresses and 7-10 banking days for Non-Metro Manila addresses after receiving the SMS delivery notification from our authorized courier....

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Updated March 22nd, 2024 by Gerard

What is the difference between due date and statement date?

The payment due date is the date when you must make your payment without incurring late fees or other penalties. The statement date is the last day on which transactions can be posted to your account for that statement....

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Updated October 5th, 2023 by Gerard

I received an email regarding the revised Security Bank Online Terms and Conditions. Is this legitimate?

Yes. The revised New Security Bank Online Terms and Conditions is effective January 8, 2023....

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Updated October 12th, 2023 by Gerard

How do I add favorite recipients or billers?-copy-471

To add an account as a favorite recipient, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online)   2.    Click “Payment & Transfer” and choose “My Favorites”. 3.    Select the type of the favorites you want to add under “Add Favorites”: Fund Transfer Transfer to Other Bank Billers E-Give Cash Recipient R...

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Updated October 5th, 2023 by Gerard

Is the revised Terms and Conditions going to be uploaded in the Security Bank Online (SB Online)?

Yes, it is uploaded in New Security Bank Online . Click on 'Terms and Conditions' at the bottom of the page....

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Updated October 12th, 2023 by Gerard

How do I change or update my registered email or number in Security Bank Online (SB Online)?-copy-471

If you wish to change your SB Online mobile number and/or email address, you can file a request via our Customer Information Update (CIU) webform here .  After submitting your request, please allow 3 banking days for your updated contact details to be reflected. Please keep in mind that once the processing is successful, your SB Online and selected ...

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Updated October 12th, 2023 by Gerard

What are the changes from the previous Terms and Conditions?-copy-471

Major changes are found in the clauses below, but we ask that you read through the entire Terms and Conditions for complete context:   a.    Acceptance Clients who do not agree with the revised terms and conditions have the right to exit the contract without penalty provided that such right is exercised within thirty (30) days from receipt of indivi...

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Updated September 27th, 2023 by Gerard

What happens if I spend more than my credit limit?

If you spend more than your approved credit limit, you will be charged an over-limit fee of PHP500 within the statement cycle. Click here   to view the complete list of credit card fees and charges, including the over-limit fee.   ...

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Updated September 27th, 2023 by Gerard

Where can I check my credit card balances?

Your latest credit card balance can be viewed in your Printed/Electronic Statement of Account (eSOA) or through Security Bank Online (SBOL). Alternatively, you also have the option to inquire through: SMS facility using your registered mobile umber by sending a text to 2086 (for Globe & TM Subscribers) or 4629 (for SMART & TNT Subscribers). ...

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Updated September 27th, 2023 by Gerard

Where can I check my credit limit?

You can check your credit limit through any of the following:  1. Security Bank Online (SB Online) 2. Printed Statement of Account (SOA) 3. Electronic Statement of Account (eSOA) ...

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Updated October 24th, 2023 by Gerard

How will I be able to track the status of my request?

After submitting your collateral release request, you'll receive an email from collateralrelease@securitybank.com.ph to your registered email address, notifying you when your documents are ready for pick up. Processing may take up to 15 banking days. To check your request status, click here....

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Updated September 27th, 2023 by Gerard

What is ChargeLight?

ChargeLight allows you to convert a single-receipt retail and/or purchase transaction of at least PHP5,000, charged to your Security Bank credit card, into a convenient installment plan.    If you are interested, you can avail of ChargeLight anytime by clicking here...

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Updated September 27th, 2023 by Gerard

How can I request for a credit limit increase?

You may request an increase in credit limit if you have owned a Security Bank Credit Card for at least 12 months. You will need to submit the following: For Employed cardholders: Your latest Income Tax Return (ITR), or 3-month pay slip, or a Certificate of Employment (COE). For Self-employed cardholders: Proof of Business Ownership and either your l...

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Updated October 12th, 2023 by Gerard

What controls can I use for my credit card?-copy-471

Card Control is a feature available only in the Security Bank Online (SB Online) that allows you to manage your credit card security and spending conveniently with the “Card Lock/Unlock” and “Daily Budget Alert” settings.  Card Lock/Unlock offers an extra layer of security by letting you control when you can use your credit card. To enable this secu...

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Updated October 5th, 2023 by Gerard

Will I be able to receive my Mobile OTP when I’m abroad?

Yes, you should be able to receive an OTP to your mobile number under the following conditions: a.    Your mobile number (whether it's local or international) is registered in our records. b.    Roaming is activated on your mobile number.  ...

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Updated October 24th, 2023 by Gerard

My Auto Loan is fully paid. How can I request for the release of my collateral documents?

You may request for the release of your original collateral documents through the following official bank channels: 1.    Online on our official website   1.    First, go to Loans Services. Then, choose the option Loan Document Request and click Next.  2.    On the next page, carefully read the information provided and select all the tick boxes if y...

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Updated September 27th, 2023 by Gerard

How can I change my delivery address?

You may request to change your delivery address  here .   Please note that updating your delivery address will also automatically update your billing address. If your card is in transit for delivery, changing your billing address may result in a longer wait time.  ...

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Updated September 27th, 2023 by Gerard

How do I redeem my points?

Simply visit our Rewards Catalogue and select the items you wish to claim. When you’re done, view your cart and proceed to checkout. Enter the card account information required, then click “Redeem”. eGC redemptions will be sent to the registered mobile number in our records, while reward items will be delivered to your registered address. To avoid a...

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Updated October 24th, 2023 by Gerard

Where can I pick up my collateral documents?

For Metro Manila residents, document pickup is available at our Security Bank Head Office at 2F Security Land Center Bldg. 6797 Ayala corner Rufino, Makati City. Your documents will be held at our provincial hubs for those outside Metro Manila, as indicated in the email notification, along with contact information for assistance and additional relea...

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Updated September 27th, 2023 by Gerard

How do I avail of Cash Advance?

You may choose to avail of Cash Advance via the following options below: ATM Any Security Bank ATMs – PHP10,000 withdrawal limit per transaction and up to maximum available Cash Advance limit on your account. Other bank ATMs – maximum withdrawal limit per transaction is based on other bank’s withdrawal limit but not exceeding the available Cash Adva...

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Updated September 27th, 2023 by Gerard

How do I earn Rewards points?

You will earn 1 Rewards Point for every PHP20 usage in your card. Points earned can be used to redeem rewards items such as airline miles, items, electronic gift certificates. Points do not expire. Click here to visit our rewards page: https://www.securitybank.com/rewards/. Note: Complete Cashback and Next Mastercard do not earn points....

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Updated October 12th, 2023 by Gerard

How to receive eGC? -copy-471

To receive an eGiveCash (eGC) from someone, please follow the steps below: Via website: 1.    Login to the Security Bank Online (SB Online) . 2.    Click “Payment & Transfer” under the menu and choose “Transfer Funds” and select “From eGiveCash to your account.” 3.    Select your destination account under “To". 4.    Fill out the transaction det...

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Updated September 27th, 2023 by Gerard

How much is the minimum payment required?

The minimum amount due is PHP500 (USD10) or 3% of total outstanding balance, whichever is higher. Effective May 2, 2023, the Minimum Amount Due (MAD) for your credit card will be computed as follows: The sum of the following items below or PHP500 (USD10), whichever is higher: Interest for Installment Transactions Transaction Fee (e.g., Cash Advance ...

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Updated September 27th, 2023 by Gerard

How is the interest charge computed?

Any unpaid balance from the previous month (Total Amount Due less Amount Paid), will be charged with interest. The interest is based on the Average Daily Balance for that month. The monthly interest for all card types is 3%....

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Updated September 27th, 2023 by Gerard

What is the benefit of paying only the Minimum Amount Due? Total Amount Due?

You have the flexibility of paying any amount between your Minimum Amount Due and your Total Amount Due. Interest charges only apply if you pay below your Total Amount Due....

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Updated September 27th, 2023 by Gerard

Who can activate their credit cards via SMS?

Primary Cardholders and Supplementary Cardholders can activate their own SBC Credit Card using their registered mobile number via SMS...

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Updated September 27th, 2023 by Gerard

What is the CVV number?

The CVV number is the 3-digits located at the back of your card, in your signature panel. It is mainly used for online purchases. Please keep that information secure and never divulge this number to anyone....

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Updated October 5th, 2023 by Gerard

What are the changes from the previous Terms and Conditions?

Major changes are found in the clauses below, but we ask that you read through the entire Terms and Conditions for complete context:   a.    Acceptance Clients who do not agree with the revised terms and conditions have the right to exit the contract without penalty provided that such right is exercised within thirty (30) days from receipt of indivi...

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Updated September 27th, 2023 by Gerard

Can I use any of my mobile numbers to inquire my credit card balance?

No, you can only use the mobile number that you registered upon application. If you wish to update your contact details, you may call our Customer Service Hotline at (02) 8887-9188 or fill out our online form ....

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Updated September 27th, 2023 by Gerard

I have received notification that my card was unsuccessfully delivered, what should I do?

Here are possible reasons for unsuccessful credit card delivery attempts: Invalid Address - the delivery address provided is incorrect or incomplete, making it challenging for the courier to locate. Out-of-Service Area - the delivery address could be in an area where the courier doesn't operate or has limited service. Unavailable Recipient - when th...

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Updated September 27th, 2023 by Gerard

Where can I spend my Rewards Points?

You can redeem or claim your rewards thru our Rewards Catalogue....

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Updated October 25th, 2023 by Gerard

How do I check the location of Registry of Deeds (RD) for a specific property?

You can find the RD on the first page of the TCT/CCT.  ...

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Updated September 27th, 2023 by Gerard

Can I use my credit card to pay for online purchases?

Yes, you may use your Security Bank credit card for online purchases – at any merchant that accepts Mastercard....

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Updated September 27th, 2023 by Gerard

When will the Cash Advance Limit be updated?

Your cash advance limit is based on the availability of your credit limit. Replenishment of your credit limit takes effect every after posting of payment....

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Updated September 27th, 2023 by Gerard

Is the credit card activation feature via SMS available to all mobile subscribers and networks?

This SMS facility is exclusively accessible to all Security Bank Cardholders with registered SMART, Globe, TM, and TNT mobile numbers. Below, you'll find the designated short code numbers for credit card activation based on your mobile network. Please be aware that standard SMS charges will be applied. Send to 4629  if you are a SMART or TNT subscri...

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Updated October 24th, 2023 by Gerard

What is encumbrance?

Encumbrance refers to any claim, lien, or restriction on a property. It usually comes from a legal or financial obligation like a mortgage, lien, easement, or judgment. The presence of an encumbrance can make it harder for the owner to sell or transfer the property until the encumbrance or lien is resolved, satisfied, or cancelled. ...

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Updated October 5th, 2023 by Gerard

What controls can I use for my credit card?

Card Control is a feature available only in the Security Bank Online (SB Online) that allows you to manage your credit card security and spending conveniently with the “Card Lock/Unlock” and “Daily Budget Alert” settings.  Card Lock/Unlock offers an extra layer of security by letting you control when you can use your credit card. To enable this secu...

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Updated September 27th, 2023 by Gerard

Are there other ways to check my credit card balance?

In addition to using SMS to inquire about your balance, you can also check your credit card balance through the SBC Mobile App. To do this, simply enroll your credit card to register. Here's the link to learn how. Please note that recent transactions will become available in Online Banking once they are posted, but the timing of immediate transactio...

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Updated September 27th, 2023 by Gerard

Can I use my credit card for installment purchases?

Yes, you may use your cards for installment purchases at participating merchants. Click here for the list of merchants.  ...

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Updated September 27th, 2023 by Gerard

Fees and Charges

Below is the table of fees and charges as of May 28, 2023. For the latest Security Bank Credit Card Fees and Charges, please visit this link   ...

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Updated September 27th, 2023 by Gerard

What is Cash Advance?

Cash Advance is a credit card facility that lets you withdraw money here or abroad through an ATM using your Cash Advance PIN. You may choose to avail of Cash Advance via Security Bank or BancNet ATMs. You may also do over-the-counter transactions at selected Security Bank branches for a minimal fee....

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