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How users can save more on everyday spending through this payment app

by Contributor
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Making every payment count. With BDO Pay, you can get more value from every peso you spend.

Make the most of your everyday payments with exclusive deals, rewards, and extra savings–all in one payment app.

Delight in treats and discounts

Use BDO Pay to enjoy exciting promos that rarely come your way.

  • Enjoy up to 35% off at SM Aura. Dine at select restaurants and enjoy up to 35% savings until July 26 (Thursday to Sunday), including an extra 5% off when you Scan to Pay.
  • Free treats at Classic Savory. Delight in free crunchy beef strips with a minimum spend of P2,000, plus a free dessert when you Scan to Pay with your BDO Credit Card until November 30.
  • Earn while you pay. Get a P100 SM eGift Card for every P5,000 spend (single or accumulated) when you Scan to Pay at SM Stores, SM Markets and select SM Retail Affiliates until August 31.
  • Every payment adds up. Earn 1 Rewards Peso Point for every P100 minimum spend when you Pay Bills or Buy Load using BDO Pay until August 22.

More treats? Yes, please.

  • No cash-in. With Scan to Pay, you can pay directly from your bank account or credit card by simply scanning QR codes anytime, anywhere. 
  • Extra deals. Use your BDO Credit and Debit Cards and unlock even more deals on BDO Pay.
  • From points to credits. Turn your Rewards Peso Points or Credit Card points into eGCs, transfer them to SMAC or to other BDO Rewards Cards, or convert them to cash credit as payment for your BDO credit card.  

Enjoy rewards in no time

Download BDO Pay today from the App Store (iOS), Google Play Store for Android, or Huawei AppGallery for HarmonyOS to start getting more rewards with every transaction. Visit the BDO website for the complete promo mechanics and list of participating merchants.

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InLife elects Gemilo J. San Pedro as new Trustee

by Contributor
written by Contributor

Largest Filipino life insurer InLife has announced the election of Gemilo J. San Pedro as its new Independent Trustee.

San Pedro is a retired Partner, Professional Practice Director and Head of Risk Management of multidisciplinary professional services firm, SyCip Gorres Velayo & Co. Currently, he is an Independent Director of Filinvest Land, Inc., Globe Fintech Innovations, Inc., and Electronic Commerce Payments, Inc.

“We are honored to welcome Mr. San Pedro to the InLife Board of Trustees. His extensive background in auditing, financial advisory, and risk management brings tremendous value to our organization,” said InLife Executive Chair Nina D. Aguas. “As InLife continues to navigate an evolving financial landscape, Mr. San Pedro’s expertise will be vital in upholding our commitment to fiscal integrity and long-term sustainability for our fellow Filipinos.”

San Pedro holds a Master in Business Administration with concentration in Finance and International Business from the Graduate School of Business, New York University. He obtained his BS in Commerce major in Accounting from Rizal Memorial Colleges. He is a member of the Philippine Institute of Certified Public Accountants.

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InLife extends Guaranteed Issue Offer for three products

by Contributor
written by Contributor

InLife is extending a Guaranteed Issue Offer (GIO) for three of its products, making protection accessible, simple and fast.

GIO means that insurance applications, regardless of health and lifestyle conditions, will be approved. The GIO campaign for Resilience runs until January 31, 2026, while those for Abundance and Wealth Assure Plus (WAP) will be on GIO until December 31, 2026.

GIO will be available for face amounts of up to 1 Million pesos for Resilience, and P2 Million for WAP. For Abundance, the GIO of up to 2 Million will be the basis of future payouts and will be double in case of death while the policy is in force. This was announced by Chief Product and Innovation Officer Jose Eduardo O. Ang during InLife’s recently held Sales Kick-Off at the Ayala One in Makati City.

Aside from this, InLife has simplified and streamlined the insurance application, and ensured faster application approval, making protection more immediate.

“Many Filipinos hesitate to secure financial protection because of three common concerns: they fear rejection because of health and lifestyle concerns; they don’t feel the need for protection because they are still young and healthy, and they feel there are too many steps to accomplish before one can get a life insurance plan. Through the GIO campaign and both our system and process enhancements, InLife addresses these concerns giving Filipinos confidence to apply for life and health insurance coverage,” said Ang.

Resilience is a critical illness plan that gives cash payouts and additional health benefits to help one cope with the financial impact of being diagnosed with a life-threatening disease. Abundance is an endowment plan that offers long-term protection, guaranteed payouts, and a lump sum benefit, while WAP is a life insurance plan with regular payments that help grow wealth over time. With the GIO campaign, Filipinos aged 61 to 70 years old, may now avail of WAP up to a face amount of P2 Million, with death benefit equal to five times the annual premium, provided they have no rated, postponed, or declined insurance application with InLife for the last three years.

“Through these offerings, InLife is saying, Kami ang bahala sa inyo. This is our enduring promise to help Filipinos safeguard the future of their loved ones, grow their finances, and protect their health at every stage of life. We feel this is a great way to start the new year: with a renewed commitment to secure their future,” said InLife Chief Marketing Officer Gae L. Martinez.

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InLife@Work highlights retirement readiness during PMAP Annual Conference

by Contributor
written by Contributor

First and largest Filipino life insurer InLife highlighted the importance of building a financially secure Filipino workforce as it served as a principal sponsor and key participant at the 2025 People Management Association of the Philippines (PMAP) Annual Conference, held at the Nustar Resort and Casino, Cebu City.

Through its flagship corporate program InLife@Work, InLife led the conversation on retirement preparedness and financial wellness during a featured session titled “Unleashing Financial Freedom: A Roadmap to a Secure Filipino Workforce.” The session unveiled data from its 2024 Retirement Study, the largest of its kind conducted in the country.

The study revealed that less than 30% feel confident about their financial preparedness for retirement and just half are actively taking steps to prepare. These findings point to a growing challenge for HR leaders: financial anxiety is now a workforce performance issue.

“Presenteeism, turnover, and disengagement are often rooted in financial stress,” said InLife Chief Risk Officer and Head of InLife@Work Efren Caringal Jr., who delivered the interactive session. “We launched InLife@Work to help companies embed financial care into their employee value proposition. We equip companies with the tools, data, and support they need to empower their people with confidence, clarity, and real financial solutions.”

InLife@Work also hosted an interactive booth experience featuring its new FinWell Ladder, a self-assessment and coaching framework, along with gamified engagement tools to spark conversation around retirement planning.

InLife@Work is the workplace and group engagement platform of InLife, dedicated to helping Filipino workers and their families achieve financial security and wellness through their employers, associations, or organizations. It brings together financial wellness education through its FinWell programs, insurance solutions tailored to personal needs, and strategic partnerships to scale impact.

InLife Chief Risk Officer and Head of InLife@Work Efren Caringal, Jr.

The 62nd PMAP Annual Conference gathered more than a thousand of the nation’s leading people managers, HR professionals, and business leaders for three days of learning, collaboration, and inspiration.  During the conference, PMAP Trustee Jerry Bonifacio underscored the importance of financial wellness as an organizational strategy. “A workforce that is financially secure is more focused, more loyal, and more empowered to perform at their best.”

To know more about InLife’s Retirement white paper, please visit https://bit.ly/RetireWithoutWorries.  You may also try InLife’s Retirement Readiness Index Calculator at www.inlife.com.ph/retire-assure/retirement-readiness-index. To see how you can prepare for life after retirement, visit InLife Retire Assure at www.inlife.com.ph/retire-assure. Interested parties may also email inlifeatwork@insular.com.ph or visit www.linkedin.com/company/inlife-work/.

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CommunityFeatured

Spark joy in every goal, turn your savings into rewards with Metrobank

by Contributor
written by Contributor

What truly sparks joy for you? Maybe it’s that long-overdue beach vacation, the sense of financial wellness you’ve been working toward, or simply knowing your savings are growing for something that matters most — your peace of mind.

Whatever brings you happiness, big or small, Metrobank wants to spark even more joy along the way. That is why it recently introduced the Spark Joy Promo to get you one step closer to your dreams by rewarding your everyday saving habits.

Because if you think about it, saving isn’t just about numbers on your bank account— it’s about the life moments you’re working toward. Now, Metrobank is giving you an extra reason to feel good about it with a guaranteed eGift of up to PHP10,000 just for growing your money with the Spark Joy Promo.

The promo runs from October 24, 2025 to February 28, 2026. It’s simple: the more you save, the more you earn — not just in interest, but in instant rewards that give you additional money boost.

Joining is easy. If you do not have a deposit account with Metrobank yet, you can open an account at any Metrobank branch or start an eSavings account through the Metrobank App.

Once your account is set or if you already have a Metrobank deposit account, simply register for the promo via the Giftaway portal and start building your savings. All you need to do is reach the required average daily balance (ADB) of at least PHP15,000 and maintain it for six months — or continue adding up.  The higher your ADB growth, the bigger your eGift reward will be.

For example, if your savings grows by PHP15,000 and you maintain it, you’ll get a PHP300 eGift. If you reach and sustain PHP 500,000, you can unlock a guaranteed PHP10,000 reward. It’s like hitting a “level up” moment in your savings journey— and who doesn’t love a good win?

Think of this as a joyful challenge to yourself: to save with purpose, to reach milestones that matter, and to treat yourself along the way. Whether you’re saving for short-term happiness or long-term security, Spark Joy makes the journey rewarding— literally.

To learn more or to register, check the Metrobank Spark Joy Promo page or drop by your nearest Metrobank branch.

Because with Metrobank, your savings don’t just grow— they spark joy.

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InLife launches Retire Assure 2 to address career growth and changes

by Contributor
written by Contributor

New retirement solution offers Filipinos aged 48–73 structured payouts after just two years of contributions.

Largest Filipino life insurer InLife recently unveiled Retire Assure 2, a retirement solution for professionals moving to senior positions in their careers—whether within their company or a new one—who want lasting security instead of market-driven uncertainty.

Retire Assure is the country’s first true retirement plan which provides a guaranteed monthly income until age 100. It is further enhanced by cash dividends that have the potential to increase over the years to keep up with the increases in living expenses. Retire Assure 2, its 2-pay variant, is available to individuals aged 48 to 73 years old and is payable in two annual installments. The insured will start receiving a monthly income for life, after the second premium is paid. Upon death, the insured’s beneficiaries receive the higher of either 110% of premiums paid (less payouts already received) or the guaranteed cash value, whichever is greater.

“Our goal with Retire Assure 2 is to help Filipinos make the most of their career milestones by offering a stable, guaranteed path toward their future. So, whether you’re moving into a bigger role or simply rethinking your retirement planning, Retire Assure 2 can provide you with lasting security so you can enjoy the rest of your life after working so hard,” said Gae L. Martinez, InLife Chief Marketing Officer and Bancassurance Head.

Crafted to address the various aspects of retirement planning, Retire Assure 2 provides the following:

  • Guaranteed Monthly Income that is independent of market fluctuations
  • Additional monthly cash dividends with the potential to enhance monthly income and keep up with lifestyle needs
  • Guaranteed Life Insurance to help financially secure loved ones
  • Guaranteed Issuance with a simple application process and no need for medical requirements

“Retire Assure 2 isn’t just about retirement; it’s about managing life’s uncertainties and addressing some of the biggest risks people face in retirement. With Retire Assure 2, InLife lives out its promise of A Lifetime for Good, helping Filipinos build a secure future. It is designed to protect against the risk of outliving one’s savings, so one can retire without worries. With InLife, it’s never too late for a lifetime of security,” said Martinez.

To know more about InLife’ Retire Assure 2, visit https://bit.ly/RetireAssure2Pay.  

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DepEd and CBS Champion Financial Wellness for Educators Nationwide

by Contributor
written by Contributor

Empowering Teachers Through Financial Literacy and Capability-Building

In celebration of National Teachers’ Month, the Department of Education (DepEd) and China Bank Savings (CBS) have once again joined forces to roll out a nationwide series of Financial Wellness Workshops, aimed at enhancing the financial literacy and capability of public school teachers.

Niel Jumawan, First Vice President and Head of CBS’s Automatic Payroll Deduction (APD) Lending Group, emphasized that the “Financial Wellness Roadshow for Teachers” is strategically designed to elevate educators’ understanding of personal finance fundamentals—particularly in savings, budgeting, debt management, and the practical application of financial tools such as Statements of Assets and Liabilities and Cash Flow Statements.

“Our overarching goal is to contribute meaningfully to nation-building by supporting teachers in achieving improved financial wellness, fostering a culture of savings consciousness, and strengthening creditworthiness within the education sector,” Jumawan stated.

He further noted that the roadshow, which spans key locations across Mindanao and the Visayas, is the latest iteration of CBS’s long-standing commitment to promoting responsible financial behavior at the grassroots level. “By capacitating teachers, we hope to create a ripple effect that extends to their learners, their families, and the broader community—ultimately scam-proofing vulnerable sectors of society,” he added.

Track Record of Impact

Prior to the 2025 rollout, CBS had successfully conducted 40 financial wellness seminars nationwide between 2023 and 2024, benefitting 2,081 participants composed of teachers, students, and CBS employees.

This year’s roadshow itinerary includes:

  • September 5 – Glan, Sarangani
  • September 7 – Participation in the DepEd Regional NTM Kick-Off in Koronadal City
  • September 19 – Dumaguete City
  • September 21 – DepEd Regional NTM Celebration, also in Dumaguete
  • September 24 – Iloilo City

These events are expected to attract hundreds of attendees and reinforce CBS’s position

as a steadfast partner in educator empowerment.

Beyond Educators: A Broader Commitment to Financial Inclusion

While the Financial Wellness Roadshow places the spotlight on teachers, CBS remains equally committed to supporting the broader banking needs of small and medium enterprises (SMEs) and retail banking clients. The bank currently operates a total of 277 touchpoints nationwide—comprising 170 full-service branches, 107 Lending Centers and Branch-Lite Units (BLUs)—supported by a robust 261-unit ATM network, making it the second-largest ATM network among thrift banks in the Philippines.

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