Open an Account and Get Protected (Year 2)

Promo Period: February 19 – December 27, 2024

Terms and Conditions:

  1. The promo is open to customers who:
    a. Do not have any existing deposit account(s) with Chinabank; and
    b. Are between 18 to 58 years old on the date of account opening

  2. To qualify for the promo, the customer should:
    a. Download the Chinabank START App; and
    b. Open an ATM Savings Account

  3. By opening an ATM Savings Account via Chinabank START during the Promo Period, the customer is automatically enrolled into the promo and is deemed to have consented to join the promo and accepted its terms and conditions, unless the customer opts out by contacting Chinabank’s Customer Contact Center anytime during the Promo Period.

  4. Qualified customers will be notified of their entitlement to claim a free 3-month Personal Accident Insurance coverage worth Php 50,000 from Manulife China Bank Life (MCBL) within fifteen (15) banking days from account opening date via their email address and mobile number provided during online account opening. Notification via registered mail will be sent should email and Viber/SMS notification fail for whatever reason.

  5. To claim the free Personal Accident Insurance, the customer must:
    a. Receive the notification from Chinabank Digital with QR code and link directed to the MCBL website
    b. Scan the QR Code or type in the browser to go to the MCBL website
    c. Complete and submit the online insurance enrollment form

  6. The Personal Accident Insurance coverage shall take effect upon successful completion and submission of the online insurance enrollment form. A successfully enrolled customer will receive a confirmation email from MCBL with the details and validity of his/her coverage.

  7. Eligible customers must claim their free Personal Accident Insurance on or before March 31, 2025. Otherwise, eligibility to claim the free insurance will be forfeited.

  8. To maintain the Personal Accident Insurance coverage, the customer must keep his/her account active and must maintain a minimum Average Daily Balance (ADB) of Php 2,000 throughout the three (3) month coverage. Otherwise, the insurance coverage will be discontinued immediately.

  9. The Personal Accident Insurance coverage is not transferable or convertible to cash. The personal details provided during the account opening via Chinabank START should match the information entered in the MCBL online insurance enrollment form.

  10. Eligible customers bear the responsibility for ensuring that the notifications from Chinabank Digital will not be exposed or disclosed to unauthorized persons. Promo Email or Viber/SMS notification must not be forwarded to anyone.

  11. MCBL’s Personal Accident Insurance terms and conditions apply.

  12. Names of the winners shall be shared with the DTI for promo compliance purposes.

  13. Employees of China Banking Corporation and its subsidiaries including their relatives up to the second degree of consanguinity or affinity are disqualified from joining and participating in the promo.

  14. This promo is not available in conjunction with other existing promos of Chinabank, unless otherwise specified.

  15. All queries regarding this promo shall be directed to the Chinabank Customer Contact Center:
    a. Email Address:
    b. Tellerphone Hotline: (632) 888-55-888
    c. Domestic Toll-Free Nos: 1-800-1888-5888 (PLDT)

  16. All questions and disputes with respect to the promo shall be resolved solely by Chinabank with the concurrence of DTI, and any decision shall be considered final and irrevocable.

Chinabank is regulated by the Bangko Sentral ng Pilipinas, with e-mail address at

DTI Fair Trade Permit No. FTEB-186821 Series of 2024