Retail Treasury Bonds

Invest your money for 5 years in bonds and earn 4.875%* interest per year

Overview

Minimum investment

Php 5,000*

*Also in integral multiples of Php 5,000

Interest rate per annum

4.875 ^%**

**Subject to 20% final withholding tax except for tax-exempt institutions

Issue and redemption price

100 ^%

Invest with minimal risk.

Interest payments

quarterly

Receive earnings on a regular basis.

Issuer	Philippine Goverment through the Bureau of the Treasury (BTr)
Offer period	September 15, 2021 to October 1, 2021 or any earlier date as determined by the BTr
Issue date	March 4, 2022
Maturity	March 4, 2027

Features

Relatively higher yield

Higher yield than time deposits.

Negotiable and transferable

Can be bought and sold on any banking day, subject to prevailing market rates.

Low risk investment

Essentially risk-free as the bond is a direct obligation of the Republic of the Philippines.

Convenient

Simply use your existing savings or checking account as your settlement account.

Quarterly interest payments

Pays interest every quarter.

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Related information

Tools to assist you

Open an account online

Other ways to bank

How to invest through BPI

1. Visit any BPI branch during the Offer Period and request for the forms to invest in the RDBs. Please bring a photocopy of one (1) valid government-issued I.D.
2. Fill out all the details and submit the necessary documentary requirements.
3. Give the cash to be invested to the branch personnel. If it will be debited from your account, please make sure your account is funded.

Fixed income securities

Investment options designed to optimize your returns.

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Frequently asked questions

What are Retail Treasury Bonds (RTB)?

RTBs are medium- to long-term debt securities issued by the Republic of the Philippines (“ROP” or “the Republic”) through the Bureau of the Treasury (“BTr”). The RTBs are part of the government’s savings mobilization program designed to make government securities available to retail investors; hence, the name Retail Treasury Bonds. RTBs are fixed-income securities that pay a fixed interest rate per annum over a specified period of time with a promise to return the principal at the end of the term.

Where do the proceeds of the RTBs go?

The proceeds will be allocated to the country’s emergency, recovery, and resiliency funds. The funds will finance expenditures focused on:

1. Supporting sectors most affected by the COVID-19 pandemic (i.e., the unemployed, MSMEs, and the country’s healthcare system)
2. Construction of Infrastructure projects
3. Refinancing of existing debt
4. Other key national expenditures, focused more on the country’s efforts against the pandemic

Are RTBs safe investments?

Investing in RTBs is considered safe and low-risk because they are a direct obligation of the Philippine government. However, they are still affected by risk and opportunity cost. Thus, it is highly recommended that you understand it first and all the risks involved before investing in RTBs.