• 1. How do I receive money from Western Union using eCebuana app?
    • Click on the “Receive Money” feature located on the services screen. Select Western Union then fill out the following details:

      1) 10 Digit Reference Number (MTCN)
      2) Purpose of Transaction
      3) Occupation
      4) Relationship with the Sender
      5) Country of Origin
      6) Requested Amount
  • 2. How many digits are there in a reference number?
    • 10 digits
  • 3. Will the system accept “Ñ”?
    • Yes
  • 4. How long is the validity of my reference number?
    • No expiry date. As long as the reference number has not been used
  • 5. Why was my reference number not accepted?
    • It may be invalid. Please check the reference number with the sender
  • 6. What currency will I receive my money?
    • Philippine peso
  • 7. Are there any remittance fees?
    • None. fee is paid by the sender
  • 8. What is the transaction amount limit per day per account?
    • Cebuana Savings Account: 250k
      Micro Savings Account: 50k or less
  • 9. Can I receive money using reference number that is not under my name?
    • No. MSA or CSA holder and beneficiary must be the same
  • 10. Can I still receive the money if my account has reached its transaction amount limit?
    • No. You may go to any Cebuana Lhuillier branch to receive the money in cash
  • 11. How soon can I get my money?
    • Funds will be credited to your account almost real time
  • 12. How will I know if I receive the money successfully?
    • It will be reflected in your account balance. Both You and the sender will receive an SMS transaction confirmation
  • 13. What should I do if I enter wrong information?
    • Please re-try the transaction and ensure to enter the correct information
  • 14. What should I do if I do not receive the OTP?
    • Please re-try the transaction or check if the registered number is correct
  • 15. What should I do if I encounter an error while eCebuana is processing my request?
    • Please check your balance. Re-try the transaction. If the error still persists, you may contact our Client Care at the following details below

      Phone: (02) 7759-9800/ (02) 8779-9800
      SMS: 0917-8122737 (Globe)/ 0918-8122737 (Smart)
      Email: [email protected]
  • 16. What should I do if the remittance proceeds has not been reflected in my account after getting transaction confirmation?
    • Please check your transaction history or you may contact our Client Care at the following details below:

      Phone: (02) 7759-9800/ (02) 8779-9800
      SMS: 0917-8122737 (Globe)/ 0918-8122737 (Smart)
      Email: [email protected]


  • 1. What is Micro Savings Account?
    • It is an interest-bearing savings account owned by Cebuana Lhuillier Rural Bank (CLRB). It is a basic deposit type of account that allows client to save up to Php 50,000.00. The account is linked via 24K Quick Card or 24K UnionPay Debit Card.
  • 2. What are the requirements?
    • Requirements are as follows:

      1. Active 24K Quick Card or 24K UnionPay Debit Card
      2. Accomplished Client Information Sheet (CIS)
      3. 1 valid ID
      4. Face Image of the client (Captured within branch premise)
      5. Accomplished Remittance Payment Form
      6. Initial Deposit – Php 50.00
    • Additional requirement:
      • Purchase of the 24K UnionPay Debit Card – Php 150.00
      • Or Upgrade of 24K Quick Card to 24K UnionPay Debit Card – Php 75.00*

      • *Promo rate may change until further notice
  • 3. What are the acceptable valid IDs?
    • Passport
    • Driver’s License
    • Professional Regulation Commission(PRC)ID
    • National Bureau of Investigation (NBI)Clearance
    • Police Clearance
    • Postal ID
    • Voter’s ID
    • Government Service Insurance System (GSIS) e-Card
    • Social Security System (SSS) ID
    • Senior Citizen’s ID
    • Overseas Workers Welfare Administration (OWWA) ID
    • OFW ID
    • Seaman’s Book
    • Alien Certification of Registration (ACR)
    • Barangay Certificate or ID (with picture and signature)
    • Birth Certificate (applicable to minors only)
    • Firearm License
    • Immigrant Certificate of Registration
    • Marriage License
    • National Council for the Welfare of Disabled Persons
    • New TIN ID
    • PhilSys ID/ National ID
    • PhilHealth ID
    • Student ID
    • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
    • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFPID,HDMF (Pag-ibig Fund)ID, etc.
    • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
    • Department of Social Welfare and Development(DSWD)Certification
    • Integrated Bar of the Philippines ID (IBP)
    • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas),SEC(Securities and Exchange Commission) or IC (Insurance Commission)
  • 4. What is the minimum amount to open an account?
    • Php50.00
  • 5. What is the allowed minimum and maximum amount of withdrawal?
      For DEPOSIT:
      Minimum Amount: PhP50.00
      Maximum Amount: No maximum limit.

      For WITHDRAWAL:
    • Bank Branch
    • Accredited Cash Agents via POS Terminals
    • Minimum of Php100.00
      Maximum amount per withdrawal transaction is Php 5,000.00

    • Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
    • Maximum Amount per withdrawal is Php10,000.00
  • 6. What is the maximum number of withdrawals per day?
    • Bank Branch
    • Accredited Cash Agents via POS Terminals
    • Maximum frequency per day is ten times (10) or total withdrawal amount per day is Php15,000.00 whichever comes first.

    • Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
    • Maximum Frequency per day is ten times (10) or maximum total withdrawal amount per day is Php 40,000.00 whichever comes first.
  • 7. How much are the transaction fees?
    • Bank Branch
    • Accredited Cash Agents via POS Terminals
    • Currently Php 0 for Deposit and Withdrawal
      (Announcement will be sent 60 days prior to implementation of such fees)

    • Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
    • Varies depending on the Acquirer
  • 8. What is the minimum requirement to earn interest?
    • Average Daily Balance (ADB) Php 500.00
  • 9. What is the interest rate per annum of Micro Savings?
    • 0.20% per annum
  • 10. What is the required maintaining balance?
    • None.
  • 11. Is there a maximum limit on the outstanding balance?
    • Yes, maximum limit is Php 50,000.00
  • 12. How long before an account is dormant?
    • No dormancy.
  • 13. How long should I wait for my card to be activated?
    • Card activation takes 24 to 48 hrs.
  • 14. Can I deposit/withdraw if the Micro Savings Account was opened on another branch?
    • Yes.
  • 15. Since 24K Quick Card and 24K UnionPay Debit Card is required to open the account, will it earn points for every deposit?
    • No, points will be earned from Account Opening transaction only.
  • 16. Can I process deposit/withdrawal even without 24K Quick Card or 24K UnionPay Debit Card?
    • No.
  • 17. Can multiple accounts be opened?
    • No.
  • 18. Can a non-account holder deposit/ withdraw on behalf of the account holder?
    • Yes, as long as you have an authorization letter from the account holder, the 24K Quick Card or 24K UnionPay Debit Card and PIN code.
  • 19. Can 24K Quick Card or 24K UnionPay Debit Card be accepted in other Bank ATMs?
    • No. 24K Quick Card can only be used through the PIN Pad deployed in Cebuana Lhuillier Pawnshop Branches.
    • Yes. 24K UnionPay Debit Card can be used in BancNet accredited POS and ATMs.
  • 20. What is SMS Syntax?
    • SMS Syntax is a self-service facility for account holders to send requests related to Micro Savings Account or 24K Quick Card and 24K UnionPay Debit Card.
  • 21. What are the conditions of the SMS Syntax Services?
    • Each SMS request has a maximum limit of three (3) requests per month.
    • To avail the SMS Self-service Facility, client should use his/her registered mobile number in the system.
    • In case the mobile number is not updated, client may file a bank request for Account Maintenance in the branch for updating of mobile number in the system. Please DO NOT process update of mobile number as PIN Reset.
  • 22. What are the requests available in the SMS Syntax Service?
    • Type of request:
      • PIN Reset: RESETPIN
      • Account Unblocking: UNBLOCK
      • Card Blocking: LOSTCARD
      • Balance Inquiry: BAL
      • Transaction History Inquiry: HIS
      • Account Number Inquiry: ACTNO
  • 23. How do I send request in the SMS Syntax Service?
    You may send the different type of requests on the following mobile numbers below.
      • GLOBE:    0917 808 8793
      • SMART:   0908 880 2930
      • SUN:        0932 842 8562
    Please follow below format:
    CLBANKRESETPINLast 4 Digit of Card Number/Birthdate (MMDDYY)
    SAMPLE: CLBANK RESETPIN 4321/112590
  • 24. Who can I contact for other concerns and inquiries?
    You may contact our Client Care at the following details below:
    Phone: (02) 7759-9800 / (02) 8779-9800
    SMS: 0917-8122737 (Globe) / 0918-8122737 (Smart)
    Operation Hours: 9:00 a.m. – 6:00 p.m., Monday – Sunday
    Email: [email protected]


  • 1. What is Cebuana Savings?
    • It is an interest-bearing savings account product owned by Cebuana Lhuillier Rural Bank. It is a regular savings type of account that has no maximum limit in outstanding balance and can be accessed via 24K Quick Card or 24K UnionPay Debit Card.
  • 2. Who are qualified to apply for a Cebuana Savings?
    • All Micro Savings Account holders who have exceeded the maximum outstanding balance shall be automatically upgraded to Cebuana Savings Account.
    • Micro Savings Account holders who are expected to exceed the MSA outstanding balance may voluntarily upgrade their account to Cebuana Savings.
  • 3. What are the requirements?
    • Requirements are as follows:
      1. Active 24K Quick Card or 24K UnionPay Debit Card
      2. Accomplished Client Information Sheet (CIS)
      3. 1 valid ID
      4. Face Image of the client (Captured within branch premise)
      5. Accomplished Remittance Payment Form – doesn’t need to accomplish an RPF if no deposit
      6. No Initial Deposit
    • Additional requirement:
      • Purchase of the 24K UnionPay Debit Card – Php 150.00
      • Or Upgrade of 24K Quick Card to 24K UnionPay Debit Card – Php 75.00*

      • *Promo rate may change until further notice
  • 4. What are the acceptable valid IDs?
    • Passport
    • Driver’s License
    • Professional Regulation Commission (PRC) ID
    • National Bureau of Investigation (NBI) Clearance
    • Police Clearance
    • Postal ID
    • Voter’s ID
    • Government Service Insurance System (GSIS) e-Card
    • Social Security System (SSS) ID
    • Senior Citizen’s ID
    • Overseas Workers Welfare Administration (OWWA) ID
    • OFW ID
    • Seaman’s Book
    • Alien Certification of Registration (ACR)
    • Barangay Certificate or ID ( with picture and signature)
    • Birth Certificate ( applicable to minors only )
    • Firearm License
    • Immigrant Certificate of Registration
    • Marriage License
    • National Council for the Welfare of Disabled Persons
    • New TIN ID
    • PhilSys ID / National ID
    • PhilHealth ID
    • Student ID
    • Alien Certification of Registration (ACR) /Immigrant Certificate of Registration
    • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFPID,HDMF (Pag-ibig Fund) ID ,etc.
    • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
    • Department of Social Welfare and Development (DSWD) Certification
    • Integrated Bar of the Philippines ID (IBP)
    • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)
  • 5. Will I be charged if I upgrade my account to Cebuana Savings?
    • No. Upgrade is free of charge.
  • 6. Will my account number be changed?
    • Yes. You will receive a message from CEBUANABANK SMS ID containing your new account number
  • 7. Will my card change when my account is upgraded to Cebuana Savings?
    • No, the upgraded account will be linked to the existing card (24K Quick Card or 24K UnionPay Debit Card)
  • 8. How long should I wait for my card to be activated?
    • Card activation takes 24 to 48 hrs.
  • 9. What is the minimum and maximum amount of deposit?
      Minimum Amount: PhP50.00
      Maximum Amount: No maximum limit.
  • 10. What is the allowed minimum and maximum amount of withdrawal?
    • Bank Branch
    • Accredited Cash Agents via POS Terminals
    • Minimum of Php100.00
      Maximum amount per withdrawal transaction is Php 5,000.00

    • Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
    • Maximum Amount per withdrawal is Php10,000.00
  • 11. What is the maximum withdrawal amount and maximum number of withdrawal per day on Cebuana Lhuillier Pawnshop and Cebuana Lhuillier Rural Bank Branches?
    • Bank Branch
    • Accredited Cash Agents via POS Terminals
    • Maximum Frequency per day is ten times (10) or total withdrawal amount per day is Php30,000.00 whichever comes first.

    • Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
    • Maximum Frequency per day is ten times (10) or maximum total withdrawal amount per day is Php40,000.00 whichever comes first.
  • 12. Is there a maintaining balance for Cebuana Savings?
    • Yes, minimum of Php 1,000.00
  • 13. What if I fall below the required maintaining balance?
    • There is a Php 200.00 fee per month if you will fall below the required maintaining balance.
  • 14. How much are the transaction fees?
    • Bank Branch
    • Accredited Cash Agents via POS Terminals
    • Currently Php 0 for Deposit and Withdrawal(Announcement will be sent 60 days prior to implementation of such fees)

    • Other Bank ATMs (BancNet and UnionPay Accredited Terminals Domestic and International)
    • Varies depending on the Acquirer
  • 15. What is the interest rate?
    • 0.50% per annum
  • 16. What is the required Average Daily Balance (ADB) to earn interest?
    • Minimum Php 5,000.00
  • 17. What is Dormancy fee?
    • It is a fee charged to the account with no activity or without client-initiated transactions performed in the last two (2) years. Charging of such fee is on a per month basis.
  • 18. How much is the dormancy fee?
    • Php 30.00 per month after two (2) years without client-initiated transaction.
  • 19. Can I down grade my Cebuana Savings account?
    • No.
  • 20. What happens after the Upgrade?
    • You will receive two (2) SMS notifications from CEBUANABANK SMS ID containing your New Account Number, Outstanding Balance, and Instruction to Activate Your Card.
  • 21. What should I do with the temporary PIN?
    • Immediately change it and assign new PIN
  • 22. What is SMS Syntax?
    • SMS Syntax is a self-service facility for account holders to send requests related to Micro Savings Account or 24K Quick Card and 24K UnionPay Debit Card.
  • 23. What are the conditions of the SMS Syntax Services?
    • Each SMS request has a maximum limit of three (3) requests per month.
    • To avail the SMS Self-service Facility, client should use his/her registered mobile number in the system.
    • In case the mobile number is not updated, client may file a bank request for Account Maintenance in the branch for updating of mobile number in the system. Please DO NOT process update of mobile number as PIN Reset.
  • 24. What are the requests available in the SMS Syntax Service?
    • Type of request:
      • PIN Reset: RESETPIN
      • Account Unblocking: UNBLOCK
      • Card Blocking: LOSTCARD
      • Balance Inquiry: BAL
      • Transaction History Inquiry: HIS
      • Account Number Inquiry: ACTNO
  • 25. How do I send request in the SMS Syntax Service?
    You may send the different type of requests on the following mobile numbers below.
      • GLOBE:    0917 808 8793
      • SMART:   0908 880 2930
      • SUN:        0932 842 8562
    Please follow below format:
    CLBANKRESETPINLast 4 Digit of Card Number/Birthdate (MMDDYY)
    SAMPLE: CLBANK RESETPIN 4321/112590
  • 26. Who can I contact for other concerns and inquiries?
    You may contact our Client Care at the following details below:
    Phone: (02) 7759-9800 / (02) 8779-9800
    SMS: 0917-8122737 (Globe) / 0918-8122737 (Smart)
    Operation Hours: 9:00 a.m. – 6:00 p.m., Monday – Sunday
    Email: [email protected]