How an OFW Can Become a Member of Pag-IBIG Fund

Did you know that Pag-IBIG is an acronym which stands for Pagtutulungan sa Kinabukasan: Ikaw, Bangko, Industriya at Gobyerno.

I didn’t bother to know what it stands for, all the more how important it is to become a Member of Pag-IBIG Fund especially if you’re planning to buy a house while working overseas.

Recognizing HDMFs contributions and the need to further strengthen its capability as the biggest source of housing finance in the country to date, President Gloria Macapagal Arroyo signed into law Republic Act No. 9679 or the Home Development Mutual Fund Law of 2009 on 21 July 2009, and making Pag-IBIG membership mandatory for all, including Filipinos employed by foreign based employers. – Citizen’s Charter (Membership Registration), May 2017

Then I’m probably a member since I was able to work in the Philippines after years of job hunting.

(I was able to explore Ayala in Makati more than my hometown. Later, I wasn’t thrilled to become a taxpayer sleeping in the long commute.)

Become a Member of Pag-IBIG Fund

Already a Member of Pag-IBIG Fund While Employed in the Philippines?

Through ATM card, I received my first paycheque.

I wasn’t paying attention to the salary deductions (Pag-IBIG, SSS, PhilHealth, and tax). The receipt in Jollibee for my used-to-be-fav burger steak is clearer than my payslip so why bother at all.

That was my entry-level employee mistake. I DIDN’T verify whether I already have a Pag-IBIG MID No. which I’m sure I have according to the RA No. 9679.

I was able to verify my membership and get an ID for SSS, PhilHealth, and TIN so how come I don’t have a Pag-IBIG No unless my former employers didn’t pay for my membership. (Parang ganun na nga.)

Are you in the same situation? Contact Pag-IBIG (refer to the contact information) to find out if you are already a member.

How to Register to Become a Member of Pag-IBIG Fund

After exchanging emails back and forth, giving employment history, I ended up applying for a new Pag-IBIG MID Number online. I even asked if there will be a consolidation after I register online in Canada.

More vague answers arrived. Though one thing is clear, I successfully become a member under the Pag-IBIG Overseas Program (POP).

Clean slate; as in, ZERO contribution. Nakapanghihinayang man kailangang magpatuloy ang buhay at kuwento.

So here’s how you can get a Pag-IBIG MID No.

  1. Go to Membership Registration online then click Continue.
  2. Proceed to fill up the forms with your personal and employment information.
  3. Print and save a copy of the Member’s Data Form.
  4. Print and save a copy of the Successful Registration Page.
  5. Sent through email a photocopy of a Member’s Data Form and valid primary ID (refer to the  instruction on the form). Wait for 2 days (as mentioned in the Successful Registration Page) to verify the status of registration.
  6. Go to OFW Member’s Contribution Verification system. Click the link Click here if you do not have a Pag-IBIG MID No.
  7. Enter the Registration Tracking No. (RTN).

OFW Member's Contribution Verification System

Once you received the Pag-IBIG MID No. you can start paying the member’s contribution online or in a remittance center. The contribution is only for the employee share for OFW.

Note: The Member’s Data Form is one of the requirement for the application of Pag-IBIG Housing Loan.

Pag-IBIG Contact Information

Corporate Headquarters: Petron Mega Plaza, # 358 Sen. Gil J. Puyat Avenue, Makati City
Trunkline: (02) 422-3000 connecting all departments
For OFW:
Hotline: 724-4244
Website | Facebook | YouTube | Contact Form (with chat)

What to Do Next

Now that you have a member’s no. (if not inquire through the contact information), the next steps include paying regularly and checking online the member’s contribution.

You can pay once for the whole year or every month.

Tip: Take note that you can pay in advance from the current month or from one month before the current month.

The online registration is fast and easy and so is getting the MID No. (If you had difficulty, share your experience in the comment.)

The point is, don’t delay; become a member of Pag-IBIG Fund regardless of how long you want to become an OFW.

I’m aiming to become a Canadian citizen then apply for dual citizenship.

Why? Because I’m a Filipino and I want to have financial independence regardless of where I am living.

Hot or cold. Sweating or shivering. Cinnamon bread or pandesal. (Do I really have to end this post about food?)

Why do we have to choose if we can have the best of both worlds. I’m veering far from the main topic but at least you’ve reached the end of the post.

Let me know if you are able to get your old MID No. from overseas or like me you have to register for a new number.

Additional Resource: Effects of RA 9679 on OFW Pag-IBIG Members

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About Pwede Padala Gal

Pwede Padala Gal loves to share tips on how to save in Canada and the Philippines. Someday she'll finally teach her Aspin at least one dog trick and keep a cactus alive. Chat with her on Facebook and reddit.


  1. Hello po yung Modified Pag-IBIG fund at saka ofw mutual fund ay pareho lang yun. Salamat.

    • Pwede Padala Gal says

      Magkaiba ang MP2 at Pag-IBIG fund. Ang MP2 ay para sa pag-iipon sa loob ng 5 taon. Samantalang ang kontribusyon ng miyembro ay maaaring makuha sa panahon ng retirement at sa ibang pagkakataon. Bilang miyembro naman ay maaaring makahiram ng calamity at housing loan.

  2. Can you help me please tell me how can I know if I’m already a member of Pag-IBIG fund or the number. I’m trying to sign up online but sadly failed.

  3. Hi everyone! Pwede po ba ipaglatuloy ko yong pag ibig contribution ko kahit nag iba na yong citizenship ko? Or do i need to apply for a dual citizenship? Thanks!

  4. Leigh Anne says

    Hi, pano po kaya mkuha ang pag-ibig number ko dati nung sa pinas pa ako nag work, ang nangyari kasi, nung nag OFW ako, ng gawa ulit ng new pag-ibig account at yun po ang nakuhanan ko ng MID number through the online service. Wala pa pong contributions nun aside sa nung paalis na ako as it was mandatory. Pwedi po kaya ma consolidate? thanks po sa reply.

    • Pwede Padala Gal says

      Leigh I’ve tried getting my old record of Pag-IBIG through email but sadly, I’ve been told to get a new MID instead. I also asked about consolidation pero wala ding nangyari. Fortunately, siguro less than six months ang nacontribute ng past employers ko before. Instead of dwelling in the past, I moved on by constantly contributing. Here’s something to look forward to by becoming a member of Pag-IBIG Fund. You’ll have the chance to win 1M or other prizes. Good luck!

  5. Marie Ann Ramos says

    Pano ko po ma verify yung number ko sa pag ibig kc before ako umalis ng pinas sabi member na daw kami ng pag ibig so saan ko po sya makukuha?

    • Pwede Padala Gal says

      Hi Marie. You can use the contact information in the post. The easiest way to reach Pag-IBIG is through Facebook; you may not get a fast response but based on experience, the staff do answer the questions in a few days so be patient. For the contact information for overseas offices of Pag-IBIG, click here.

  6. Can a Fil-Am join Pag-IBIG?

Reminder: For clarity, don't use shortened words similar to text messages. Let's have a better communication. (And oh, comments will be edited or deleted.)

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