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Deposits Overview
With EastWest deposit and transaction accounts, conduct your daily business with ease and optimize savings growth for the future.
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Increase efficiency, simplify processes, and grow your business faster through our range of business banking solutions that allow you to manage your company’s cash flow better.​
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Secure working capital for specific business requirements while maintaining the flexibility to utilize your funds for daily operations.
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Achieve your financial objectives with the help of our certified professionals and maximize the growth potential of your funds as you look forward to further growing your business.
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EastWest Credit Cards Convert-to-Installment Facility Terms and Conditions

1. EastWest Credit Cards' Convert-to-Installment ("CTI") Facility allows cardholders to convert new straight or retail transactions to installment.

2. New straight or retail transactions may include local and foreign retail purchases, online purchases and mail/telephone order transactions forming part of the Cardholder's latest Statement of Account (SOA) and/or the Cardholder's current unbilled straight/retail transactions. Cash Advance transactions, monthly amortizations of other installment programs and transactions already forming part of the Cardholder's revolving balance are not eligible for CTI.

3. The minimum amount eligible for conversion to installment is Php5,000.

4. Qualified Cardholders may apply for CTI:

  1. via ESTA, our EastWestSystem Tech Assistant, or
  2. through EasyWay by downloading the app from the App Store or Google play

5. CTI applications are subject to evaluation and approval.

6. CTI applications are based on Cardholder instructions and have no implication on their relationship with any establishment.

7. Cardholder must allow at least five (5) banking days for the processing of a CTI application.

8. Upon approval of a CTI application, the fixed monthly installment amount will be billed to the Cardholder's EastWest Credit Card account on his/her next and succeeding SOAs until the CTI availment is fully paid.

9. A processing fee will be charged for each approved application.

  1. Php 500 for each approved application via electronic channels (ESTA chatbot or EasyWay mobile banking app)
  2. Php 1,000 for each approved application via Customer Service-assisted or telesales agent-assisted call (inbound or outbound)

10. EastWest has the sole discretion to approve or reject the Cardholder's CTI application and, if such application is denied, EastWest has no obligation to furnish the Cardholder a notice or reason for such rejection. In case the CTI application is denied, applicable interest charges, if any, shall be imposed.

11. Should the Cardholder's EastWest Credit Card account be suspended, cancelled, or not renewed, or should the Cardholder fail to make payments, breach or violate the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards, all unpaid CTI availments, as well as the entire outstanding balance in the Cardholder's EastWest Credit Card account, shall immediately become due and demandable.

12. In case of partial payment by the Cardholder of the installment amount, the unpaid balance shall incur the usual interest charges imposed on revolving accounts in accordance with the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards.

13. If the Cardholder pays the installment amount in full per month but has an outstanding or revolving balance on his/her previous/other purchases, said installment amount under the program shall likewise incur interest charges.

14. Any and all interest charges already imposed upon the Cardholder's total outstanding balance or any part thereof to be converted into installment, whether the same consists of the Cardholder's previous balance and/or new purchases/transactions, will not be adjusted, refunded or credited back to the Cardholder upon approval of the CTI application.

15. In case of pre-termination, the Cardholder agrees to pay an Installment Pre-termination Processing Fee equivalent to 5% of the remaining principal balance or Php500, whichever is higher.

16. The Cardholder may cancel or pre-terminate his/her CTI application without being charged an Installment Pre-termination Processing Fee if the cancellation or pre-termination is made within two (2) banking days from the date of application.

17. The Cardholder shall continue to be bound by and comply with the Terms and Conditions Governing the Issuance and Use of EastWest Credit Cards which are incorporated herein by reference and of which he/she was furnished copies by EastWest, as well as the Terms and Conditions of the CTI Facility.

View the sample computation on interest charge and loan amortization.

For Visa Infinite, click here.

For other credit card products, click here.