My CBC App is the mobile banking app of Chinabank that replaced the current Chinabank Mobile Banking (MBK). This upgrade will offer customers an improved omnichannel experience, allowing for seamless navigation across all platforms. Users can expect consistent interactions and personalized services, which will enhance the overall digital banking experience with CBC.
My CBC is the mobile banking app of Chinabank that you can install and use for free, 24/7. Simply go to Google Play Store or App Store and type “Chinabank Digital” in the search bar.
My CBC is compatible with the following operating systems (or OS):
Android 12 or newer
iOS/iPadOS 14 or newer.
My CBC is not yet fully compatible with Huawei devices. We’ll keep you updated as soon as we have a solution. If you cannot log in to the app, we recommend updating your device’s OS to the latest version.
With My CBC you can:
Register your savings, checking, or credit card account in just a few taps.
Access and monitor your accounts, UITFs, and Credit Card balances anytime.
Transfer funds easily via InstaPay or PESONet.
Generate and scan QR codes to quickly receive and send money.
Pay your bills on the go for FREE, with over 1,000 billers available on the app.
Deposit checks conveniently — just snap, send, and relax!
Send money to anyone, even if they don’t have a bank account — beneficiaries can pick it up at any Chinabank branch or cash pickup outlets.
Enable biometrics to enjoy a worry-free and secure mobile banking experience.
Stay tuned as we will be releasing more features soon!
Online Account Application or OAA is a new feature of My CBC, and a replacement of the CBC START App. It allows eligible new customers to apply for ATM Savings and OKS Peso Savings accounts online.
To open an account online, you must:
For OKS Peso Savings, you must be an OFW or a beneficiary of an OFW.
The following Philippine-issued IDs are accepted:
How do I open an account online?
There will be a two-day application review for us to verify the information and documents you provided.
Once approved, you may log in to My CBC to view your account and start your digital banking journey!
You may log in to My CBC to access your account details.
Yes, provided you meet the requirements and have an active Philippine mobile number and email address.
Only ATM Savings and OKS Peso Savings accounts can be opened via My CBC OAA. Visit your nearest Chinabank branch to open a Joint account.
Yes. If approved, your new account is immediately ready for mobile banking transactions. Make sure to deposit money to your account to perform banking transactions like transfer funds, and bills payment.
Yes, but you must request the branch to lift the OTC restriction. Bring your original ID and a statement of account (SOA) with the address used during online application.
Click here for more Frequently Asked Questions about Online Account Application.
To register for My CBC, you can use the following Savings, Current, and Credit Card accounts:
Savings:
Passbook Savings
ATM Savings
ATM Savings Online (ONB)
Payroll Account Savings
Mysavings
Moneyplus Savings
Savings With Auto-Transfer
Young Savers
OKS Peso Savings
OKS US Dollar Savings
Dollar Savings
Premium Savings USD
Euro Savings
Yuan Savings
JPY Savings
Current:
Current Account with Auto Transfer
Chinacheck Plus without Passbook
Payroll Account Checking
Chinacheck Plus with Passbook
Credit Cards:
Chinabank Prime Mastercard
Chinabank Platinum Mastercard
Chinabank Cash Rewards Mastercard
Chinabank Freedom Mastercard
Chinabank Destinations Platinum Mastercard
Chinabank World Mastercard
Chinabank Destinations World Mastercard
Chinabank Destinations World Dollar Mastercard
Chinabank Velvet Visa Signature
*Please note that account must be active.
Time Deposit accounts cannot be used for registration at this time.
Yes, you can register using your current, savings, or credit card account. No need for branch or ATM visits to authorize or activate your enrollment.
Once registered, there will be a 24-hour waiting period. During this time, you'll receive updates via email and SMS. If you don't receive any notifications, call our Customer Service Hotline at +632 888-55-888 or email online@chinabank.ph.
Note: Separate registrations for the web and app versions are not required. You can access My CBC on both web and mobile app platforms using the same username and password.
Register to My CBC with these quick easy steps!
Note:
Once done with registration, there will be a 24-hour waiting period, during which you will receive updates via email and SMS. If you don't receive any notification, please reach out to our Customer Service Hotline at +632 888-55-888 or email online@chinabank.ph.
You can access My CBC on both web and mobile app platforms using the same username and password
Yes, by tapping on “REGISTER NOW” on the login screen. If that username is already taken, please nominate a new one.
You may register your device on your first login to My CBC:
Once logged in, you will be prompted to set up your biometrics and Mobile PIN (MPIN). Note that setting up biometrics is optional, while the MPIN is mandatory.
To register your biometrics and Mobile PIN (MPIN):
Mobile pin registration on both iOS and Android:
Upon successful registration of your device, biometrics and Mobile pin, you will receive SMS and email notifications confirming your registration.
Note: If you switch your registered device, a 24-hour cooling-off period will apply. You can still log in to view your accounts, but financial transactions will be restricted during this time.
Screen misalignment on Android devices is often caused by screen zoom or display settings. To ensure optimal display within My CBC, please set your device's screen zoom or display size to the 'Normal' setting.
Yes, you can use your My CBC Online username and password in My CBC App.
You will be locked out after a maximum of three (3) consecutive invalid login attempts. You may try logging in again after 15 minutes.
You can visit any Chinabank branch to verify your registered email address and mobile number.
Check your internet connection and your email's Junk or Spam folder.
If you haven't received the EVC (Email verification code), try the transaction again. If it still doesn't work after several attempts, please let us know through our Contact Us page, or email us at online@chinabank.ph with the following details:
Ensure the reliability of your device's network reception and request a new OTP. If you still have issues after multiple attempts, please let us know through our Contact Us page, or email us at online@chinabank.ph with the following details:
Subject: My CBC App - Client's Complete Name
Date/Time of Last Attempt
Username
Registered Mobile Number
Mobile Service Provider
You may visit any Chinabank branch or call the contact center to update your contact information.
For added security, the system automatically logs you out of My CBC after five (5) minutes of inactivity.
To reset your password:
A successful password reset will result in a confirmation message
For your security, a 15-minute cooling period is enforced before the new password can be utilized. You can log in using your new password after 15 minutes.
To show or hide your accounts:
Note: Eligible Accounts are automatically synced with My CBC, no need to enroll your accounts.
Yes, you can see your account’s details and information.
Yes, transaction history are available for:
Is there a service fee for transferring funds using My CBC?
None. All fund transfers via My CBC are FREE of charge:
After a successful transaction, you will:
See a confirmation screen displaying your reference number
See the completed transaction in your transaction history
Get a confirmation email and SMS sent to your registered email and mobile number
To Transfer:
Between own Chinabank accounts
To other Chinabank and China Bank Savings accounts
Via InstaPay
Via PESONet
You can schedule a new transfer transaction when you log in to your My CBC App.
*For recurring, here are the maximum number of occurrences you can enter:
You can only create a scheduled or recurring transfer on the following:
To see your list of scheduled and recurring transfer transactions
To search for your specific transaction, tap the search icon, then choose from Category, Status and select your criteria.
There is no amount limit on pay bill transactions in My CBC.
The cut-off time for Pay Bills transactions is 7:00 PM during banking days. Any transactions after this time or on weekends and holidays will be processed on the next banking day.
After a successful transaction, you will:
Receive a confirmation screen with your reference number
See the transaction in your transaction history
Get a confirmation email and SMS sent to your registered email and mobile number
None. This service is free of charge.
You can schedule a new bills payment transaction when you log in to your My CBC App.
Under When, choose how you want your pay bills to be processed:
*For recurring, here are the maximum number of occurrences you can enter:
To see your list of scheduled and recurring pay bills transactions
To search for your specific transaction, tap the search icon, then choose from Category, Status and Amount then select or enter your criteria.
The My CBC Mobile Check Deposit feature allows individual clients to deposit valid checks from Chinabank and other localbanks directly into their personal savings or checking accounts using the My CBC App.
Checks deposited through the Mobile Check Deposit facility will not be included in the branch's daily outward checks. Instead, they are processed by the Head Office Clearing and are treated as inter-branch check deposits.
Chinabank clients with active retail savings or checking accounts who are registered on the My CBC App are eligible for this service.
You may deposit checks into your active retail savings and/or checking accounts. However, Time Deposit Accounts, Unit Investment Trust Funds (UITFs), Loan Accounts, and accounts with restrictions (e.g. Cash Basis Only, Dormant, or Garnished)are not eligible for check deposits.
You may deposit checks that are:
Valid and authentic
Drawn on Chinabank or other local banks
Payable in Philippine currency only
Dated no more than 179 days (6 months) before the deposit date
Payable to the account holder
Fully completed, signed, and endorsed with required Deposit Information on the front and back of the check, in compliance with Philippine negotiable instrument laws
Not previously endorsed, negotiated, or presented over the counter or via mobile deposit
Acceptable under Chinabank’s current terms and not prohibited by any existing bank rules
Please do not deposit:
Checks in the old format
Foreign currency checks
Post-dated, out-of-date, stale, or incorrectly dated checks
Partially negotiated checks
Checks payable to joint "and" accounts
Checks payable to “Person Name or Cash,” “Person Name and/or Cash,” “Business Name
or Cash,” or “Business Name and/or Cash”
Second-endorsed checks or checks payable to someone other than the account holder
Checks presented for a second time
Checks with erasures, insertions, or alterations
Checks exceeding PHP 500,000 per deposit
Checks directed to ineligible accounts, including Time Deposit, UITF, Loan, and restricted accounts
You can deposit checks at any time, but please take note of the following processing times:
Checks received before 3:00 PM on banking days are processed the same day.
Checks received after the cutoff time, or on weekends and holidays are processed on the next banking day
Checks must be deposited within 179 days from the issue date. After the 179th day, checks become stale and will not be accepted for deposit.
Are there fees for using Mobile Check Deposit?
Currently, there are no fees for using Mobile Check Deposit.
If a check is rejected after multiple attempts due to image quality failure, you can visit any Chinabank branch for assistance.
You can correct and re-capture your check for issues such as invalid amount, invalid image, missing payee name, incorrect date, or missing signature.
For other issues, you may contact our Customer Contact Center Hotline at +632 888-55-888.
You will receive notifications about returned checks via email and SMS on the next banking day.
What should I do if a mobile check deposit is returned?
Checks that are eligible for re-deposit can be physically taken to any Chinabank branch. Just bring the original returned check along with the emailed Returned Check Advice (RCA).
Returned check fees are PHP 2,000, plus a daily penalty of PHP 200 for each PHP 40,000 (or part thereof).
Funds will be available after clearance by the drawee bank, as reflected in your account balance or via SMS and email notifications.
The Mobile Check Deposit facility is currently free of charge.
You will receive notifications about returned checks via email and SMS on the next banking day.
If a check deposited through the My CBC App is returned and is eligible for re-deposit, you may take the original returned check and the emailed Returned Check Advice (RCA) to any Chinabank branch.
You can view the status of your check deposits in the Check Deposit History section of the My CBC App.
To view the status of your check deposits:
You can check the status of check deposits in the Check Deposit History section of My CBC.
Log in to My CBC and click “More”
Select “Mobile Check Deposit”
Tap “Check Deposit History”
If you don’t see the status of your check deposits, or for other issues regarding mobile check deposit, contact our Customer Contact Center Hotline at +632 888-55-888.
When using Mobile Check Deposit, you must:
Verify that checks are valid, authentic, and not duplicates.
Provide accurate information.
Adhere to all terms and instructions
Store the physical check and destroy it after 180 days
Mark the document as VOID or Electronically Presented. Keep it for 180 days, then destroy it unless the bank requests otherwise.
As a client, you must:
Send money on My CBC allows you to initiate local remittance transactions to anyone in the Philippines, even if they don’t have a bank account. Beneficiaries can collect the cash at any Chinabank or China Bank Savings branch or authorized cash pick-up partner locations nationwide.
Cash Pick-Up is a local remittance service that allows your beneficiary to claim funds at any Chinabank or China Bank Savings branch, or authorized partner location. It’s especially useful for those who need cash immediately, don’t have a bank account, or are in areas without access to a branch or ATM. Funds are made available to beneficiaries in real time. There are two types of cash pick-up:
To create a Send Money transaction:
A confirmation screen will be displayed, and SMS and email notifications will be sent to your registered contact details.
The reference number for a Send Money transaction consists of 19 alphanumeric characters. It starts with “CBC”, followed by 16 numeric digits which you will see in the My CBC confirmation page, SMS and email notification.
Format: CBC################
For both Cash Pick-up Chinabank and Cash Pick-up Anywhere, you can send up to Php40,000.00 per transaction with a total daily limit of Php200,000.00.
It is real-time, for both Cash Pick-Up Chinabank and Cash Pick-Up Anywhere. As soon as you receive an email and SMS confirmation, your beneficiary may claim the cash. Simply provide your beneficiary with the reference number, which they must present along with a valid ID.
You may view the status of your Send Money transaction by entering the reference number in the Remittance tracker web page.
Yes, provided that the status of the transaction is “Available for Payment”. For assistance, you may contact our 24/7 Customer Contact Center at +63(2)888-55-888 or email us at online@chinabank.ph.
None, but only the principal amount will be credited back.
You can check the status of your transaction in two ways:
Through the My CBC App Transaction List:
Through the My CBC App pre-login screen:
Yes, as long as the transaction status is marked “Available.” Once the status changes to “Claimed,” the transaction can no longer be canceled. To cancel your transaction:
No, there is no cancellation fee. However, only the principal amount (amount you intended to send) will be credited back to your account. The transfer fee is not refundable.
New: How do I enroll a Remittance Beneficiary?
To enroll your beneficiary:
Log in to My CBC
Tap “More”, choose “Manage Favorites”, then select “Remittance Beneficiaries”
Tap the add (+) button, then enter the Beneficiary Details, and tap “Continue”
Review Beneficiary details, then tap “Confirm”
Authenticate using biometrics/MPIN/Passkey when using My CBC app, or entering the OTP using My CBC Online
A confirmation screen will be displayed, and SMS and email confirmations will be sent to your registered contact details
New: How can I edit the details of an enrolled Remittance Beneficiary?
To edit your beneficiary’s details:
Log in to My CBC
Tap “More”, choose “Manage Favorites”, then select “Remittance Beneficiaries”
Select the Beneficiary whose details you want to edit, then tap the pencil icon
Update the details of your beneficiary and tap “Save Changes”
Authenticate using biometrics/MPIN/Passkey when using My CBC app, or by entering the OTP when using My CBC Online
A confirmation screen will be displayed, and SMS and email confirmations will be sent to your registered contact details
New: How to Delete an enrolled Remittance Beneficiary?
To delete an enrolled beneficiary:
Log in to My CBC
Tap “More”, choose “Manage Favorites”, then select “Remittance Beneficiaries”
Select the Beneficiary you want to delete, then tap the Trash Bin icon.
Select “Delete Enrolled Beneficiary” to confirm the deletion.
A confirmation screen will be displayed, and SMS and email confirmations will be sent to your registered contact details
Verify if the deleted Remittance beneficiary has been removed from your Remittance Beneficiary list.
For assistance, please contact our 24/7 Customer Contact Center at +63(2)888-55-888 or email us at customerservice@chinabank.ph
To access your bank statements:
This feature is available for Savings and Current accounts, as well as Credit Cards.
What are the available Electronic Statement of Account (eSOA) in My CBC?
Currently available eSOA’s are CASA and Credit Cards
My CBC will display your latest 12 months of CASA and Credits eSOA
To generate your own account QR Code:
Log in to My CBC and tap “More”
Select “Generate QR Code”
Select the account you want to generate a QR code for and enter a nickname. You may also enter an amount. Click “Generate QR Code”
Save your QR code for future use or share it to the sender
To scan a QR code:
Log in to My CBC and tap on “Scan QR”
Scan or upload the QR code of the recipient
Enter the amount you want to transfer and click “Continue”
Review your transaction and tap “Confirm”
Enter the OTP sent to your registered mobile number, then verify you transaction via biometrics or MPIN
Yes, your enrolled payees and billers from Chinabank Mobile or Chinabank Online will automatically be transferred to My CBC.
To enroll a payee:
Log in to My CBC, and select “More”
Tap “Enrolled accounts”
Click on the “+” sign on the upper right corner of the screen
Enter the account details and click “Enroll”
To enroll a biller:
Log in to My CBC, and select “Pay/Load”
Tap “Pay enrolled billers”
Click on the “+” sign on the upper right corner of the screen and choose the biller you want to enroll
Enter the biller details and click “Save”
Log in to My CBC and click "More," then select "Enrolled Accounts" to access your accounts.
Log in to My CBC and click “Pay Bills”, then select “Pay Enrolled Billers” to find your enrolled billers.
One Time SMS PIN - is a secure 6 digit code sent to your registered mobile number to confirm your identity when logging into digital banking or performing sensitive transactions. It serves as an added layer of protection, ensuring that only you can access and authorize actions on your account
Email Verification Code – A secure 6-digit code sent to your registered email address to verify your identity when signing up for My CBC. This added layer of security ensures that only you can complete the registration of your My CBC account.
Biometric authentication uses your unique facial features or fingerprint to verify your identity quickly and securely. With Face and Fingerprint Biometrics, you can access My CBC and authorize transactions without needing to enter your username, password and Mobile PIN.
Mobile PIN (MPIN) - is a 6 digit passcode created by you to securely access and use the My CBC mobile banking app. It provides a strong layer of security while maintaining ease of use for customers.
For our valued clients who prioritize peace of mind and added security, the My CBC MPIN (Mobile Personal Identification Number) is your additional digital safeguard.
Think of it as the second, critical lock on your personal financial vault. It's an additional, powerful layer of securitythat goes above and beyond standard protocols. The MPIN isn't just another password. it's your personal authorization key, designed to:
Single Device feature ensures that your My CBC account can only be registered and accessed from one mobile device at a time. This strengthens security by preventing unauthorized logins from other devices.
The Transaction Authentication Flow in My CBC enforces strong security by requiring two authentication factors for all financial transactions. Customers must maintain at least one secure method either Biometrics (Face ID/Fingerprint) or Mobile PIN (MPIN) used in combination with a One-Time PIN (OTP) via SMS, or enable both methods (Biometrics and MPIN) to complete transactions without OTP. This framework ensures compliance with security standards, minimizes the risk of unauthorized activity, and provides a balanced approach between protection and a seamless user experience.
The Card Hub is your one-stop place to manage all your credit cards in the app.
Swipe left or right to view your cards, with more features on the way!
Go to More → Products & Services → Card Hub, or open a credit card from your accounts list and tap Manage
You’ll only see active cards in the Card Hub. If your card isn’t showing, check your card in “Manage Account” or contact our Contact Center at +632 888-55-888 and will be happy to help check its status.
The Card Lock & Unlock feature lets you instantly lock or unlock your China Bank Credit Card temporarily anytime, giving you full control over your card’s security and usage.
When your card is locked, all new transactions—such as in-store purchases, online payments, and ATM withdrawals—are temporarily blocked. Once you unlock your card, it becomes active again and can be used immediately.
It’s a quick, secure, and convenient way to protect your card if you’ve misplaced it, want extra peace of mind, or simply want to control when it can be used.
You can access this feature anytime through the My CBC app or by calling our Contact Center at +632 888-55-888.
Because you’re in control. It’s a simple yet powerful way to protect your card and manage your finances.
You can:
When your card is locked:
You can access it in two easy ways through the myCBC app:
Option 1: Go to More → Products & Services → Card Hub.
Option 2: From your Accounts List, select your credit card, tap Manage then tap Card Hub.
Just toggle the switch to lock or unlock your card instantly.
Yes. The feature is available 24/7 through the My CBC app or Contact Center. You can use it as often as you need, no limits, no fees.
No. When locked, all international and local transactions are blocked. Be sure to unlock your card before traveling abroad.
Passkey is a new authentication method in My CBC mobile app that replaces SMS OTP codesfor financial transactions. Instead of waiting for SMS codes, customers use their fingerprint,face recognition, or device PIN to authenticate transactions.
Key Benefits:
SMS OTP has served us well, but scammers have gotten smarter. SMS codes can be stolen in three main ways: fake websites, SIM swap, and social engineering. Passkeys eliminate all three because they're locked to your device and only work on the real My CBC app.
Safer than SMS codes because:
ℹ️Passkeys are cryptographic key pairs. The key pair is specific to My CBC app. One half is shared with My CBC, and the other half is private and stored on your device or in your password manager.
Passkeys are strong enough to never be guessed or reused, making them safe from hacker attempts.
Passkeys are connected to the app they were created for, so you can never be tricked into using your passkey to sign in to a fraudulent app or website.
A password manager is a secure digital vault built into your phone that safely stores your Passkeys. Think of it like a locked safe that only you can open with your fingerprint or face.
For iPhone users:
Your password manager is called Passwords (iCloud Keychain). It's the same place where Safari saves your website passwords. Apple built it into every iPhone - you already have it.
For Android users:
Your password manager is called Google Password Manager. It's the same place where Chrome saves your website passwords. Google built it into every Android phone - you already have it.
Other devices, i.e. Samsung may also have a default password manager, Samsung Pass. For thebest experience, we recommend using Google Password Manager as your default password manager.
Passkey has been mandatory for My CBC since June 25, 2026. After logging in to My CBC,you will be prompted and required to create a passkey.
Before setting up your passkey, please ensure that:
1. Your device has a screen lock enabled (PIN, password, pattern, or biometrics).
2. For Android users:
3. For iOS users:
Once these prerequisites are met, you can proceed with creating your passkey.
Passkeys are becoming mandatory for two important reasons:
Regulatory Requirement: The Bangko Sentral ng Pilipinas (BSP) Circular 2025 1213 requires stronger authentication methods.
Your Protection: Passkeys protect you from SMS-based scams, which are increasing. By making Passkeys mandatory, we're ensuring all our customers have the strongest protection available.
Yes, you'll still use your password to log in to My CBC. For now, Passkeys replace SMS OTP codes for financial transaction authentications only.
Passkey is now mandatory for all My CBC users. To continue using the app, you will need tocreate a passkey. This helps protect your account and ensures compliance with securityrequirements.
Setting up a Passkey is easy and takes less than a minute:
For iPhone:
iPhone running iOS 16 or later.
Your device must have Passwords (iCloud Keychain) enabled
For Android:
Android version 12 or later.
Google Mobile Services (GMS) must be installed.
Google Password Manager enabled
ℹ️ If your device doesn't support passkeys, don't worry - you will not see the “PasskeyAnnouncement” pop-up and the “Passkey” menu from Security. You can continue usingSMS OTP with your biometrics or MPIN as before.
To protect your password manager, you should always enable a screen lock (biometrics, or passcode or PIN) on your device. This prevents unauthorized access if your device is lost or unattended.
Most password managers will prompt you to set up a screen lock if one is not already enabled.
Your Passkey is securely stored in your device's password manager
iPhone: iCloud Keychain (the same place your passwords are stored)
Android: Google Password Manager
ℹ️ These are protected by your device's secure hardware and your biometric authentication.Even we at Chinabank cannot access your passkey - it stays private on your device.
⚠️ Do not delete your passkey from your password manager. (unless its needed)
You’ll use Passkey to authenticate financial transactions:
If authentication doesn't work: Try again
If it still fails, call our Customer Contact Center
Common reasons for failure:
While you can delete your Passkey from your Password Manager, we do not recommend you do it.
If you accidentally delete your Passkey, please contact our Customer Contact Center. They will reset your Passkey in our system and guide you through creating a new one.
Your My CBC Passkey cannot be transferred to another device. Please contact our Customer Contact Center, where a device and Passkey reset will be performed, and you will be guided through.
Common reasons:
Check these options:
Your Passkey is protected even if your phone is stolen:
For extra protection:
The Loans Viewing feature lets you easily access and monitor your loan information through the My CBC app and My CBC online. This feature allows you to view your outstanding balance, payment schedule, and loan status anytime, anywhere.
All registered users of My CBC with active loan accounts may access this feature.
All types of active loan accounts can be viewed in My CBC. Once a loan is closed or fully paid, it will no longer be shown in the Loans Viewing feature.
You can view the following loan information:
Yes. If you have multiple loan accounts, all eligible accounts will be displayed.
Loan details are updated regularly, but some transactions (such as recent payments) may take time to reflect. Depending on the payment channel, posting can be on the same day or may take up to 1 to 3 banking days. Rest assured, your payment will be reflected as soon as it’s processed. If you notice a delay, please allow for processing time before reporting any discrepancies.
There may be several reasons for why you can’t view your loan account:
If the issue persists, please contact our Customer Contact Center.
Loan accounts are typically linked automatically to your Savings or Current account. If your loan account is not visible, you may request assistance through our Customer Contact Center or your branch of account.
No, My CBC currently only allows viewing of your loan details. To make payments, please use other available channels such as fund transfer, over-the-counter transactions, or other supported payment services.
Yes. The My CBC app and My CBC Online use secure authentication and encryption to safeguard your personal and financial information.
No. Once a loan is closed or fully paid, it will no longer be shown in the Loans Viewing feature.
If you spot any discrepancies, please report them right away through our Customer Contact Center or your branch of account so they can verify and correct the information.
You may reach us through:
Eligible Chinabank clients who have enrolled accounts in My CBC can sell foreign currency online in a simple and convenient way.
You can sell US Dollars (USD), Euros (EUR), Japanese Yen (JPY), and Chinese Yuan (CNY) using the platform.
You need an active Foreign Currency Savings Account in USD, EUR, JPY, or CNY, and an active Peso Checking or Savings Account. Both accounts must be enrolled in My CBC.
The foreign currency amount will be deducted in real time from your enrolled Foreign Currency Savings Account once the transaction is successful.
The Peso equivalent will be credited in real time to your enrolled Peso Checking or Savings Account once the transaction is successful.
Exchange rates are live and refresh every 120 seconds. The final rate will be determined once the transaction is successful. Exchange rates are subject to market fluctuations and may change without prior notice.
After a successful transaction, you will receive a confirmation message through your registered email address and mobile number.
You can transact up to an aggregate amount equivalent to PHP 500,000 in foreign currency per day, with no limit on the number of transactions.
You can perform foreign exchange transactions through My CBC (Online or Mobile App) from 9:00 AM to 4:00 PM on banking days, Monday to Friday, excluding weekends and holidays. Transactions made outside these hours, including weekends and holidays, will not be processed.
Yes. Please make sure that your bank account details are correct and up to date before making any online foreign exchange transaction.
Buying foreign currency through My CBC is not yet available. This feature is currently being prepared and will be launched soon. Please watch out for future announcements and updates.
I have UITF investments, how can I see this in My CBC?
Who is eligible to view their UITF accounts?
Only sole UITF accounts and/or joint “OR” UITF accounts where you are the Primary Holder may be enrolled in My CBC.
Who is the “Primary Holder”?
The Primary Holder refers to the person whose name appears first under Trustor's Name in the Omnibus Participating Trust Agreement.
I do not have any UITF account yet, can I open online using My CBC?
No. To open a UITF account, please visit the nearest Chinabank branch
I have UITFs under an Investment Management Account (IMA). Can I view it on My CBC?
No. At this time, only direct UITF investments can be enrolled.
How can I Subscribe to my UITF investment?
There are two ways to subscribe to your UITF investment:
1. Go to Trust & Investments section of My Accounts, click the UITF account and select the UITF variant. Tap the Subscribe/Redeem button and select Subscribe.
2. Go to More icon located in the lower right corner of the screen (if using a mobile device) or upper right portion of the screen (if using the web).
How can I redeem from my UITF investment?
There are two ways to redeem from your UITF investment:
1. Go to the Trust & Investments section of My Accounts, click the UITF account, select the UITF variant. Tap the Subscribe/Redeem button and select Redeem.
2.Go to More icon located in the lower right corner of the screen (if using a mobile device) or upper right portion of the screen (if using the web).
What is the cut-off time to Subscribe or Redeem in My CBC?
Any transaction made after 12:00 noon (Philippine Standard Time) of each Banking Day will be treated as a transaction of the next Banking Day.
Can I perform Subscribe or Redeem transactions even on weekends and holidays?
Yes. However, any transaction made on a non-Banking Day will be treated as a transaction of the next Banking Day.
Are Early Redemption Fees applicable for Redeem transactions in My CBC?
Yes, you may be charged an Early Redemption Fee if you redeem your units prior to completing the required Minimum Holding Period. The Minium Holding Period varies per UITF variant. You may check the Minimum Holding Period for your UITF in the Plan Rules or the Key Information and Investment Disclosure Statements.
Is there a notification alert for units redeemed that are still within the Minimum Holding Period?
Currently, none. However, we are working on introducing alerts in the future to help guide your investment decisions.
Why is the Chinabank Income-Paying Dollar Bond Feeder Fund not allowing partial redemption in amounts of USD 99.99 and below?
How will I receive the confirmation of my UITF transaction (Subscribe/Redeem)?
How much is the minimum top-up amount I can add to my existing UITF account?
I have an existing UITF account and would like to subscribe to another Chinabank UITF variant. Can I do this through My CBC?
No. Please visit the nearest Chinabank branch to subscribe to another UITF variant.
I want to redeem all the units in my UITF account. Will my UITF account be closed immediately after redemption?
No. The UITF account will remain open until there have been no outstanding units for at least ninety (90) days.
It’s the easiest way to add your Chinabank card to Google Wallet, right from the My CBC app. No need to manually type in your card number, expiry date, or CVV. Just a few taps and your card details are securely sent over to Google Wallet for you.
It’s faster, safer, and more convenient:
Google Wallet usually comes pre-installed on Android phones. All you need on top of that is the My CBC app (version 1.8.5 or later) to add your card.
Nope, it’s completely free. My CBC doesn’t charge any fees for this.
Your Android device needs to support NFC (Near Field Communication), which you can enable through your phone settings, and have Google Wallet installed. My CBC works on Android 9.0 and above.
You can add the following:
| Network | Cards |
| Visa Credit | Classic Visa Instant Card / Landers Instant Card |
| Visa Credit | @home Visa Platinum |
| Visa Credit | Velvet / Landers Executive Visa Signature |
| Visa Debit | Classic (incl. Young Savers) |
| Visa Debit | Signature Debit |
| Mastercard Credit | Prime Mastercard Instant Card |
| Mastercard Credit | Platinum (Freedom / Cash Rewards / Destinations) |
| Mastercard Credit | World PHP (Wealth / Destinations World) |
| Mastercard Credit | World USD |
| Mastercard Credit | Elite (incl. Wealth) |
Yes, you can add it straight from the Cards Hub.
Yes, also available through the Cards Hub.
It’s simple:
Yes, but only for your Primary Credit Card. Your Virtual Card, and Debit Card can only be added through the Cards Hub.
Not at the moment. You can only add your card through the My CBC app, or manually through Google Wallet itself.
Yes, you can manually enter your card details there. Learn more on the Chinabank Cards Google Pay page on our website.
Yes. Head to the Card Hub and you’ll see “Added to Google Wallet” for cards already set up, or the “Add to Google Wallet” button for those that aren’t yet.
Of course, as long as your card is still active and eligible, you can re-add it anytime through My CBC or directly via Google Wallet.
ID&V stands for Identity & Verification. If you didn’t complete the SMS OTP step during setup, your card may show as “Pending ID&V” in Google Wallet until you finish verifying.
In My CBC, you’ll still see the “Add to Google Wallet” button. In Google Wallet, your card will show “Finish Set-Up.”
Just tap “Add to Google Wallet” again in My CBC. It’ll pick up right where it left off, no need to go back to Google Wallet. You’ll be asked to enter an SMS OTP, and once verified, your card will be added successfully.
It’s a security step to confirm it’s really you completing the setup, keeping your account protected.
Once verification is done, your card status in Google Wallet will switch to “Default for contactless payments” or “Hold to Reader,” and My CBC’s Card Hub will show “Added to Google Wallet.” That means you’re all set to pay.
Your physical card works as usual. However, Google Pay payments won’t be available until your card shows “Ready for Payment” in Google Wallet.
Definitely. This is one of the most secure ways to add a card to a digital wallet. Your real card number is never shown or shared. Instead, a secure digital token is created for your transactions, backed by industry-standard encryption and PCI DSS compliance.
It’s a unique, secure number that stands in for your real card number during digital payments. Even if it were ever compromised, it can’t be used to access your account or make unauthorized transactions. Your actual card details stay protected.
No. Only you, logged into your own My CBC account, can add your card this way.
Report it to Chinabank right away. We’ll suspend or cancel the digital token tied to your card so it can’t be used for Google Pay anymore. You can also temporarily lock your card yourself through the Card Hub in My CBC while you sort things out.
Try these steps:
Yes, just repeat the steps on each device. Each one gets its own secure digital token.
If your card’s already in Google Wallet, the “Add to Google Wallet” button might not show up again on that device. If you’d like the added security of adding it through My CBC instead, you can remove the card and re-add it that way.
You’ll need to add your new card to Google Wallet again, either through the My CBC app or manually through Google Wallet.
Just unlock your phone, hold it near the payment terminal, and authenticate if asked. Look out for the Google Pay or contactless symbol at checkout.
Anywhere that accepts contactless (NFC) payments.
Yes! Just select “Google Pay” at checkout on supported websites and apps.
Reach out to Chinabank’s Customer Contact Center for any concerns.
Visit the Google Pay Help Center for general info, or check out the Chinabank Cards Google Pay page on our website for manual setup questions.
Money Lock is a security feature in the My CBC mobile app and web that lets you lock a specific amount or your entire available balance in a chosen current account or saving account (CASA). Any outgoing transaction that would use the locked portion will be blocked for your protection.
Key Benefits:
When you activate Money Lock on a CASA account, the system applies a lien to the amount you selected. From that moment, any outgoing payment or transfer that would exceed your remaining available (unlocked) balance is blocked.
Use it to protect your funds if you suspect risk on your account, want to limit daily exposure, or need a hold on funds while resolving a concern. It reduces the impact of unauthorized transactions by preventing use of your locked portion.
Locked amounts are also called liens in our internal systems
Money Lock is available for current accounts and saving accounts (CASA) in My CBC. Time Deposit accounts are not supported at this moment.
For interest-bearing CASA accounts, interest continues to accrue normally on the locked amount.
Yes. Money Lock does not block access. You can log in on mobile or web to view balances, access features, and conduct transactions within your available, unlocked balance. Only outgoing transactions that would use your locked funds are blocked.
You can access Money Lock after logging in:
Yes. You must be logged in to choose the specific CASA account and amount to lock.
Select a CASA account, review the feature intro (if shown), enter the amount to lock, confirm, then complete MFA. Once authenticated, the lock is applied immediately.
Verification depends on what you have set up:
If passkey is unavailable, the system falls back to your configured MFA methods.
You can lock from 1 PHP up to your account’s available amount. If your account already has a locked portion, you can add more up to the remaining available (unlocked) amount.
After successful authentication, Money Lock is designed to take effect within about 10seconds. You will receive SMS and/or email confirmation within about 1 minute.
Any outgoing payment or transfer that would require using your locked amount is blocked, regardless of channel. Transactions within your available (unlocked) balance continue as normal.
Scheduled or recurring transactions that would breach your locked amount will be blocked at execution time. Those that fit within your available (unlocked) balance will proceed.
Yes. You will receive SMS and/or email when Money Lock is activated, summarizing the locked portion and its effects.
Yes. Credits to your account are unaffected. Incoming funds increase your available balance unless you choose to lock additional amounts.
In the account details view, you’ll see your available and locked amounts if a lock exists. If you try to add more lock and your account is already fully locked, the system will prevent further locking.
No. Money Lock is set per CASA account. To protect another account, activate Money Lock on that specific account.
No. Unlocking is not self-service. To remove the lock (i.e., release the lien), you must visit a CBC branch for in-person identity verification. A branch employee will process the unlock through CBC’s internal systems.
After successful identity verification, unlocking is designed to take effect within about 10 seconds once the branch agent completes the action via internal systems.
No. The branch can only unlock all locked amounts. After unlocking, you can use Money Lock to lock the amount that leaves the available balance you want.
Check that the amount is a whole number (no decimals), at least 1 PHP, and does not exceed your available (unlocked) balance. If your account is fully locked, you cannot add more.
Ensure you are using the registered device for passkey and that biometrics/MPIN are correct. If passkey is unavailable, the system falls back to your configured MFA (e.g., MPIN + biometrics or MPIN + SMS OTP). If issues persist, try again later or contact the Customer Contact Center.
This may be a temporary service issue. Please retry after a short while. If the problem continues, contact the Customer Contact Center or visit a branch for assistance.
Confirm that the transaction amount fits within your available (unlocked) balance. The locked portion cannot be used for outgoing transactions until you unlock it at a branch.
Yes. Money Lock requires identity verification before activation. The lock is enforced across channels at the backend. All lock/unlock attempts are logged for audit and security monitoring.
If your device does not support passkeys or you haven’t enrolled, Money Lock uses your configured MFA methods (e.g., MPIN + biometrics or MPIN + SMS OTP).
The feature uses only the information needed to identify your account and verify your identity during activation. Data handling follows bank security, privacy, and audit requirements.
Examples
If I have PHP 80,000 in total and proceed to lock PHP 50,000, what can I do?
Your available (unlocked) balance is PHP 30,000. Any single or combined outgoing transactions that would push usage beyond PHP 30,000 are blocked. Incoming credits are allowed.
I have PHP 80,000 in total and already locked PHP 50,000. Can I add more?
Yes, as you still have an available (unlocked) balance of PHP 30,000. Enter a new amount within PHP 30,000 to lock and complete MFA. If you choose to lock exactly PHP 30,000, you cannot add more as your remaining balance would be 0.
Customizable Transaction Limits let you set the maximum total amount you can transfer perday for specific transaction types (e.g., PESONet, InstaPay, other CBC/CBS account transfers,and QR payments to merchants). When a transaction would exceed your configured limit for thatday, it is blocked for your protection.
It helps reduce the risk of loss from unauthorized transfers by capping how much can bemoved within a day per transaction type. It also supports compliance with BSP Circular 1213(AFASA).
Yes. Two bank‑set global daily allowances apply per customer:
You cannot exceed these maximums. Your own daily limits can be set at or below these values.
No. Your transactions still go through existing pre‑transaction checks (e.g., Money Lock).Limits are an additional protective control applied before a transaction is processed.
On a registered device, you can access Daily Limits from either:
Yes. For security, only customers on a registered device can set or modify Daily Limits.
Best practice: Set limits aligned to your usual daily needs and raise them only temporarily whennecessary.
A step‑up authentication is required (e.g., biometrics/MPIN/OTP) to authorize any new limit ormodification.
Immediately after successful authentication and save.
Each outgoing transaction is checked against:
If processing the transaction would exceed any applicable limit, it is blocked and you will see anexplanatory message.
The transaction is not processed. You will receive a clear on‑screen message indicating thatyour daily limit would be exceeded.
Yes. Once configured on your registered device, your limits are enforced for transactionsregardless of where they are initiated (My CBC mobile app or web).
Yes. Entering 0 or leaving the amount blank means no self‑imposed limit for that type.However, the bank‑set global daily allowance still applies.
No. You can edit only one transaction type at a time. Finish or close the current edit beforechanging another.
You will see the updated value on the screen immediately after a successful save. Forsecurity monitoring, successful updates are also logged into our internal systems.
Check the following:
This may be a temporary system issue. Please retry after a short while. If the issue persists,contact the Customer Contact Center or visit a branch.
Verify:
Yes. All limit setup/modification attempts and limit violation events are logged into our internalsystems for audit and security monitoring.
Only the data necessary to apply your chosen limits and to authenticate your request isprocessed, in line with the bank’s security and privacy policies and the Data Privacy Act of 2012.
Examples
Example 1 — Non‑PESONet limit reached
You set InstaPay limit to PHP 20,000. You already sent PHP 18,000 today via InstaPay. A newInstaPay of PHP 3,000 would exceed your InstaPay limit, so it will be blocked even if yournon‑PESONet global allowance is not yet reached.
Example 2 — Global allowance reached
Across non‑PESONet types, you have already sent PHP 250,000 today (the bank‑set globalallowance). Any additional non‑PESONet transfer today will be blocked even if a specificper‑type limit is higher.
Checkbook Reorder is a feature that allows you to request a new checkbook through the My CBC App or My CBC Online.
Customers with eligible checking accounts may use the Checkbook Reorder feature.
You may reorder a checkbook by:
From the Accounts Overview > Select Checking Account > Manage Check > Checkbook Reorder Or From the More > Products & Services > Manage Check > Checkbook Reorder
You may select from the available checkbook types:
You may order four (4) checkbooks per request.
Yes. You may select “Representative” as the pickup.
No. Once a checkbook reorder request has been submitted, it can no longer be modified or cancelled.
For personal pickup, bring a valid government-issued ID.
The representative should bring the following:
Check Status feature allows users to view the current status of their checks directly through the My CBC.
Only users with eligible checking accounts can access the Check Status feature
Accounts Overview > Checking Account > More Hub > Mange Check > Check Status or More > Products & Services > Manage Check > Check Status
You may request check status for 1 to 10 checks
Enter the full check number without the leading zeros.
Contact us immediately so we can assist you to deactivate your app access thru our 24/7 Customer Contact Center Hotline: +632 888-55-888.