BUSINESS - DEPOSITS
Business Time Deposit
Time Deposits
A deposit which earns interest based on a pre-determined fixed interest rate for a fixed period of time/tenor and is supported by a Certificate.
Time Deposit Accounts
Time Deposit Currencies
- Philippine Peso Time Deposit
- US Dollar Time Deposit
- Euro Time Deposit
- Singapore Dollar Time Deposit
- Chinese Yuan Time Deposit
- Japanese Yen Time Deposit
- Australian Dollar Time Deposit
Rates
Peso Time Deposit
July 22 - July 28, 2025
| Amount Range | 30 Days | 60 Days | 90 Days | 180 Days | 270 Days | 360 Days |
|---|---|---|---|---|---|---|
| PhP 10,000 to < 100,000 | 0.625% | 0.675% | 0.725% | 0.825% | 1.125% | 1.125% |
| PhP 100,000 to < 500,000 | 3.050% | 3.170% | 3.280% | 3.520% | 3.520% | 3.570% |
| PhP 500,000 to < 1 million | 3.050% | 3.170% | 3.280% | 3.520% | 3.520% | 3.570% |
| PhP 1 million to < 3 million | 3.050% | 3.170% | 3.280% | 3.520% | 3.520% | 3.570% |
| PhP 3 million to < 5 million | 3.050% | 3.170% | 3.280% | 3.520% | 3.520% | 3.570% |
| PhP 5 million to < 10 million | 3.050% | 3.170% | 3.280% | 3.520% | 3.520% | 3.570% |
| > PhP10,000,000 to 100,000,000 | 3.270% | 3.390% | 3.500% | 3.700% | 3.700% | 3.750% |
PhP Gross Interest Rates are subject to 20.00% p.a. withholding tax
Online Peso Time Deposit (inclusive of 0.25% bonus rate)
ONLINE TIME DEPOSIT - INCLUSIVE OF 0.25% BONUS RATE | ||||||
|---|---|---|---|---|---|---|
| PhP TIME DEPOSIT | 30 Days | 60 Days | 90 Days | 180 Days | 270 Days | 360 Days |
| PhP 10,000 to < 100,000 | 0.875% | 0.925% | 1.225% | 1.075% | 1.375% | 1.375% |
| PhP 100,000 to < 500,000 | 3.300% | 3.420% | 3.780% | 3.770% | 3.770% | 3.820% |
| PhP 500,000 to < 1,000,000 | 3.300% | 3.420% | 3.780% | 3.770% | 3.770% | 3.820% |
| PhP 1,000,000 to < 3,000,000 | 3.300% | 3.420% | 3.780% | 3.770% | 3.770% | 3.820% |
| PhP 3,000,000 to < 5,000,000 | 3.300% | 3.420% | 3.780% | 3.770% | 3.770% | 3.820% |
| PhP 5,000,000 to < 10,000,000 | 3.300% | 3.420% | 3.780% | 3.770% | 3.770% | 3.820% |
| > PhP 10,000,000 to 100,000,000 | 3.520% | 3.640% | 4.000% | 3.950% | 3.950% | 4.000% |
Long Term PhP Time Deposit
| Deposit Product | 2 years | 3 Years | 4 Years | 5 Years + 1 Day |
|---|---|---|---|---|
| PhP 10,000 and above | 4.400% | 4.400% | 4.400% | 4.40% |
PhP Gross Interest Rates are subject to 20.00% p.a. withholding tax
USD Time Deposit
| Amount Range | 30 Days | 60 Days | 90 Days | 180 Days | 270 Days | 360 Days |
|---|---|---|---|---|---|---|
| USD 1,000 to < 2,000 | 0.135% | 0.135% | 0.135% | 0.135% | 0.160% | 0.170% |
| USD 2,000 to < 5,000 | 2.750% | 2.900% | 3.100% | 3.150% | 3.150% | 3.150% |
| USD 5,000 to < 10,000 | 2.750% | 2.900% | 3.100% | 3.150% | 3.150% | 3.150% |
| USD 10,000 < 20,000 | 2.750% | 2.900% | 3.100% | 3.150% | 3.150% | 3.150% |
| USD 20,000 < 50,000 | 2.750% | 2.900% | 3.100% | 3.150% | 3.150% | 3.150% |
| USD 50,000 < 100,000 | 2.750% | 2.900% | 3.100% | 3.150% | 3.150% | 3.150% |
| USD 100,000 < 200,000 | 2.750% | 2.900% | 3.100% | 3.150% | 3.150% | 3.150% |
Gross Interest Rates for USD and 3rd currency deposits are subject to the following withholding tax p.a.:
> 20% for Domestic Corporation/Individual Citizen or Resident Alien
> 7.5% for Resident Foreign Corporation
Online USD Time Deposit (inclusive of 0.25% bonus rate)
Promo rate for 90D TD $5,000 and up valid from May 8 to August 31, 2025
ONLINE USD TIME DEPOSIT – INCLUSIVE OF 0.25% BONUS RATE | ||||||
|---|---|---|---|---|---|---|
| USD TIME DEPOSIT | 30 Days | 60 Days | 90 Days | 180 Days | 270 Days | 360 Days |
| USD 1,000 to < 2,000 | 0.385% | 0.385% | 0.385% | 0.385% | 0.410% | 0.420% |
| USD 2,000 to < 5,000 | 3.000% | 3.150% | 3.350% | 3.400% | 3.400% | 3.400% |
| USD 5,000 to < 10,000 | 3.000% | 3.150% | 4.000% | 3.400% | 3.400% | 3.400% |
| USD 10,000 to < 20,000 | 3.000% | 3.150% | 3.400% | 3.400% | 3.400% | |
| USD 20,000 to < 50,000 | 3.000% | 3.150% | 3.400% | 3.400% | 3.400% | |
| USD 50,000 to < 100,000 | 3.000% | 3.150% | 3.400% | 3.400% | 3.400% | |
| USD 100,000 to < 200,000 | 3.000% | 3.150% | 3.400% | 3.400% | 3.400% | |
Long Term USD Time Deposit
| Term of Fixed Quarterly Payout | 2 Years | 3 Years | 4 Years | 5 Years + 1 Day |
|---|---|---|---|---|
| USD 1,000 and above | 3.300% | 3.300% | 3.300% | 3.300% |
USD Gross Interest Rates are subject to 20% p.a. withholding tax
*Also available for terms of 360 days, up to 5 years
EURO Time Deposit
| Term of Fixed Quarterly Payout | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|
| EUR 500 and above | 0.105% | 0.105% | 0.120% | 0.150% |
EUR Gross Interest Rates are subject to 20% p.a. withholding tax
SGD Time Deposit
| Term of Fixed Quarterly Payout | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|
| SGD 1,000 and above | 0.200% | 0.200% | 0.200% | 0.200% |
SGD Gross Interest Rates are subject to 20% p.a. withholding tax
RMB Time Deposit
| Term of Fixed Quarterly Payout | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|
| RMB 5,000 and above | 1.000% | 1.000% | 1.250% | 1.250% |
RMB Gross Interest Rates are subject to 20% p.a. withholding tax
JPY Time Deposit
| Term of Fixed Quarterly Payout | 30 Days | 60 Days | 90 Days | 180 Days |
|---|---|---|---|---|
| JPY 50,000 and above | 0.000% | 0.000% | 0.000% | 0.000% |
JPY Gross Interest Rates are subject to 20% p.a. withholding tax
AUD Time Deposit
| Term of Fixed Quarterly Payout | 30 Days | 60 Days | 90 Days | 180 Days | 360 Days |
|---|---|---|---|---|---|
| AUD 1,000 < 20,000 | 0.500% | 0.500% | 0.75% | 1.000% | 1.000% |
| AUD 20,000 < 50,000 | 0.500% | 0.500% | 0.75% | 1.000% | 1.000% |
| AUD 50,000 < 100,000 | 0.500% | 0.500% | 0.75% | 1.000% | 1.000% |
| AUD 100,000 and above | 0.500% | 0.500% | 0.75% | 1.000% | 1.000% |
AUD Gross Interest Rates are subject to 20% p.a. withholding tax
Want to know more about our Time Deposit? Contact us now.
Visit any EastWest Store.
Call 24-Hour Customer Service at (+632) 8888-1700
Email us at service@eastwestbanker.com.
Pre-requisite prior to opening a Time Deposit is an EastWest Savings or checking account bearing the same account name and ownership of the intended TD placement.
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