How to Open a Philippine National Bank Account in Calgary

I thought I would only have a Canadian bank account and wait till I go home before I can open a bank account in the Philippines.

Then I received a message from a reader on Facebook that she read my blog post on how to open a Philippine bank account in Canada.

I was ecstatic to know that she took the time to write back and confirmed that she was able to open a Philippine National Bank account in Calgary. (You can also open a PNB account in other branches in Canada.)

Her experience gave me no choice but to do the same. Guess what, I also successfully opened a PNB account.

That’s two proof already. You can be the next depositor by following the steps later on.

Before you do, ever thought why I chose PNB? Simply because it’s the closest bank in my place; I want to consider other banks but there’s none.

So kudos to PNB for reaching out to OFWs worldwide.

Open a Philippine National Bank Account

6 Steps to Open a Philippine National Bank Account in Calgary

Within three days, depending on availability, anyone can accomplish the steps.

You have the option to either open a PNB checking or savings account, or both at the same time.

  1. Gather all the requirement.
  2. Get an application form at R & G Filipino Store, one of the Filipino convenience stores in Calgary. You can contact this mobile number (587) 969-8762 which is given to me when I called the corporate office in Ontario. The toll-free number left me no excuse not to call; I’m glad I called.
  3. Fill up the form and attach one 1×1 photograph at the right top corner.
  4. Contact the PNB staff in Calgary to find out when is the best time to submit the application form.
  5. Submit the application form and pay the fee (C$38.00) and initial deposit (PhP6,000.00 for a PNB checking account) through debit. Total fee is C$182.00 which depends on the current exchange rate.
  6. Wait for the call or email of the PNB Vancouver branch for the account number and passbook or ATM card for more than a month.

Note from PNB for the member: PDIC and BancNet Maximum Deposit Insurance for each depositor P500,000″

I decided to only open a checking account although the deposit wouldn’t earn any interest unless it’s a savings account. That’s something I wouldn’t be concerned right now.

Maybe in the future if I have a huge amount to deposit; even then, I rather invest it on low-cost index fund like ETFs in Canada.

As of this writing Philippines has only one ETF: First Metro Philippine Equity Exchange Traded Fund Inc (FMETF). I wonder why.

Remember: Take note of the PNB Savings Account fees and charges to avoid paying unnecessarily like I did. FYI: I’m not proud of it.

Requirements for PNB Checking and Savings Account

  • Two 1×1 photographs
  • Application form
  • Fee for opening an account is C$38.00 (charge through debit)
  • Initial deposit of Php6,000.00 (charge through debit)
  • Photocopy of 2 IDs (driver’s license, Philippine passport, PR card etc)

If you’re in downtown Calgary, you can have four 1×1 photos for C$19.95 at Photo Base in Scotia Centre.

Why Did I Open a PNB Account

Hindi pa ba obvious? I want to save and do more with a Philippine checking account just as with my Canadian chequing account.

“Are you paying somebody in the Philippines through check?”

This is the question that baffled me the most because a Canadian chequing account allows me to do just about anything.

I hardly use the cheque. I probably did once or twice. By the way, the Canadian bank cheque is free for the first few sets and depending on the bank.

The only thing I can probably use a Philippine bank check for is by paying the Pag-IBIG mortgage. Other than that, the check will definitely end up on a file.

Stash away never to be remembered unless I have the need to use it.

Final Thoughts

I was persistent to open a Philippine bank account to take advantage of the high exchange rate and start saving in peso.

For future blog post I can write about the advantages and disadvantages of having a PNB checking account. Mas marami sana ang benepisyp kaysa sa sakit ng ulo.

For now, I’ll wait and focus on buying a house in the Philippines. But you can fill me now of feedback if you’re a PNB client in the comment.

What Philippine bank account you managed to open abroad?

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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. As always, the article is very informative. I will do this too. Thanks a lot and keep it up!

  2. Mari-Len De Guzman says:

    Do you have to be a Filipino citizen to open a bank account from Canada? What about former Filipinos who are now Canadian? Do they require Filipino citizenship?

    • Pwede Padala Gal says:

      You have to be a Filipino citizen Mari-Len. It’s one of the things that Filipinos should consider as to why a dual citizenship is necessary.

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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