Opening an RCBC Digital account only takes a few minutes and features zero initial deposit requirement and no maintaining balance!

If you – or anyone you know – still puts up with out of date and inefficient banking services just because it seems too difficult to open a new account, then switch to a bank that makes it easy for you to go digital right away. No need to go to a branch for all the paperwork or do zoom interviews. RCBC Digital will help you through the process, right here, right now.

It takes just a few minutes. All you need is a secure internet connection, one valid ID, and the gadget you’re using right now to read this article. Not only will you be able to open your own RCBC Digital account, but you can also upgrade with an ATM debit card, a virtual prepaid card or ewallet, and a checkbook without needing to submit any other document.

RCBC has truly gone out of its way to make online banking accessible to everyone and, dare we say, simple and easy enough for the technologically challenged. Imagine, with a few taps or clicks on your gadget, you instantly get to save, transfer local or international funds, pay your bills, buy load, invest, convert your money to foreign currency, and all other bank transactions you can imagine.

You can even withdraw money from any RCBC ATM without your physical card – just your RCBC Digital app! If you want to deposit a check to your account, just take a photo of it and send the image through the app. For other transactions like requests for bank certificates, ATM card replacement, checkbook reorder and the like, the app has a digital concierge to help you out.

All these for zero maintaining balance! There is an ongoing promo until November 30, 2021, which involves cash gifts under the following conditions:

RCBC Digital
  • P100 cash gift for P1,000 -P3,000 initial deposit
  • P300 cash gift for P3,001 -P5,000 initial deposit
  • P500 cash gift for P5,001 and up initial deposit

The best thing about RCBC’s digital banking service is that it has been recognized by various local and international bodies as one of the country’s best digital banks. That should mean it is considered to have best-in-class digital features and services. What else is there to think about when you can do an easy, secure, and complete way to do digital banking? All it takes is a few minutes of your time with RCBC Digital.

Here are everything you need to know about RCBC Digital Banking

  • Online Account Opening. With just 1 valid ID, open an account in a matter of minutes! Start with a basic account which can easily be upgraded without any additional documents. Simply choose which add-on you prefer:
    • MyDebit ATM card
    • Checkbook
    • MyWallet Virtual Prepaid card
    • RCBC Bankard credit card
  • Mobile check deposit. Safely deposit checks from any local bank with just a photo.
  • Cardless withdrawal. Withdraw up to P5,000 in any RCBC ATM, even without your ATM card.
  • Push and Pull payments via QR.Ph. Send payments via the government’s national QR code standard, across payment providers in the country
  • Foreign Exchange Buy and Sell (6 currencies). Convert your money to US Dollar, Japanese Yen and other foreign currencies for travel and investment, all online.
  • Digital concierge. Request bank certificates, ATM replacements and checkbook reorders in advance online. Just pick it up at the branch when it’s ready.
  • UITF Online investments. Conveniently manage your investments online. Place, monitor and redeem UITFs without going to the branch.
  • Digital Investment Management Account. Apply, order and monitor your investment through this first-in-market online facility.
  • Account Dashboard. Get a view of all your RCBC accounts in one screen. Check your outstanding and available balances on your deposit, RCBC Bankard credit card, loans and investments.
  • RCBC Bankard Installment Option. Convert straight purchases online and choose your preferred payment terms of up to 36 months.
  • Send Cash. Send money to anyone, anytime, anywhere – even if they don’t have a bank account.
  • Fund transfer. Transfer funds in real-time to any local banks and e-wallets via Instapay, or send large amounts via PesoNet.
  • Foreign currency transfer. Send foreign currencies locally & internationally through RCBC’s Telegraphic Transfer features.
  • Bills payment. Pay directly to over 400 billers including utility bills, credit card, loan, tuition fees, government fees and more. No need to enroll them!


  • Keep your online account safe & secure. With RCBC Digital, we have security features to ensure only you have control and access to your account and prevent unauthorized transactions.
  • You can lock and unlock your MyDebit ATM and MyWallet Prepaid cards when not in use. All transactions are also verified with a one-time PIN (OTP) sent to your registered mobile number, so you can approve your transactions before pushing through.
  • Update your contact information online. Whether you want to enroll or you are already enrolled in RCBC Online Banking, you can update your mobile number and/or email address without going to the branch. Keeping your contact information updated is important in keeping your account safe and secure.
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