Chinabank START

Open an account online and jumpstart your financial goals faster, safer and easier!

  • Open an account with just the Chinabank START App, wherever you are
  • Open an account with just one government-issued ID 
  • Access and manage your newly opened account via Chinabank Mobile App
  • Opened deposit account requires immediate funding. Please maintain an Average Daily Balance (ADB) of at least P2,000 per month from the time the account was opened.
  • A service fee of P300 will be charged to your account if your balance is below the minimum monthly Average Daily Balance (ADB) for two (2) consecutive months starting from the date your account was opened.


Choose how you want to save


Chinabank ATM Peso Savings Account

Maintaining Balance: P2,000 
Min. Balance to Earn Interest: P10,000 
Interest Rate: 0.125% per annum, subject to 20% withholding tax

Online Kababayan Savings Account (OKS)

Maintaining Balance: Waived 
Min. Balance to Earn Interest: P1,000 
Interest Rate: 0.125% per annum, subject to 20% withholding tax

Who can open an account

  • Filipino Citizens
  • At least 18 years old 
  • Without existing Chinabank Account 
  • Have a permanent Philippine address 
  • Have an active mobile number and e-mail

To open an OKS Savings Account, you must be an OFW or a beneficiary of an OFW.

Search “Chinabank START” in Google Play Store for android devices or App Store for iOS users.  
Download and install the application on your device. Minimum OS (Operating System) requirements are Android 9 and iOS 12. 


  1. Download the Chinabank START App
  2. Choose the account to open then tap “Apply Now”
  3. Complete the eligibility questions and customer information
  4. Input the one-time password sent to your mobile number
  5. Scan your valid ID and take a selfie
  6. Sign online, review, then submit your application
  7. Provide your username and password to sign up on the Chinabank Mobile App
  8. To view your account number, download and log in to Chinabank Mobile App.

You will be asked to input the One-Time Activation Code (OAC) sent to your registered email.


Average Daily Balance or ADB is the sum of the daily end-of-day balances in the account for the relevant time period - which may be for the  month, quarter, year or any other time period for the deposit (varies for different products) divided by the number of days in that period. For example, the formula for computing Monthly ADB is as follows:

ADB = (Day 1 ending balance + … + Day 30/31 ending balance)
Number of days in the month (i.e. 30/31 days)

Interest earned shall be credited quarterly for Savings (except for MoneyPlus Savings Account where interest is credited monthly) and Current Account provided that the account has not been closed prior to schedule of interest crediting.

You may request for an ATM card from the nearest Chinabank branch. You have the option to request for an embossed or pre-processed ATM card. Standard processing time will apply.

Click here to know more about our fees and charges.

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