1. Ano ang dalawang uri ng Basic Deposit Account (BDA) sa DiskarTech?
FULL BASIC DEPOSIT ACCOUNT
Ito ay Basic Deposit Account na ginamitan ng primary government-issued ID at na-fully
verified sa eKYC. Ito ay may account limit na PHP 49,700.00.
COMMUNITY BASIC DEPOSIT ACCOUNT
Ito ay ang dating Basic Deposit Account na tinuturing na “restricted” dahil Secondary ID lamang ang ginamit sa eKYC.
Ang Community BDA ay may aggregate account balance limit na PHP 10,000 (mula sa PHP 5,000 dati) na ang ibig sabihin ay hindi dapat lalampas sa PHP 10,000 ang total cash in transactions (deposit, inward fund transfer, claiming of remittance, crediting of missions incentives) at di rin dapat lumampas sa PHP 10,000 ang total cash out transactions (withdrawal; outward fund transfer; bills payment; buy load, telemedicine o insurance) kada buwan. Magrereset ang aggregate limit kada buwan.
Sa Community BDA, maaaring magamit ang lahat ng features ng DiskarTech except ang Loans Marketplace, DiskarTech Loans at Credit Score. Pwede ring kumita ang savings ng 4.00% interes kada taon.
REGULAR SAVINGS ACCOUNT
Ito ay isang Regular Savings Account na ginamitan ng primary government-issued ID at na-fully verified sa eKYC. Ito ay walang account limit. Maaaring gamitin ang lahat ng features ng DiskarTech. Kikita rin ng interest rate kada taon ang savings ayon sa inyong Average Daily Balance (ADB).
Average Daily Balance of PHP 0.01 to PHP 50,000.00 : 4.00%
Average Daily Balance of PHP 50,001.00 up to PHP 2,000,000: 1.00%
| # | PROFILE | DESCRIPTION | HIGHLIGHTS |
| 1 | Community BDA | Some Services/features are not allowed and must be upgraded to full BDA within 1 year • For users who submitted primary/secondary ID and passed first-level verification | • 4.00% per annum interest rate • Deposit and transfer from other banks (up to ₱ 10,000.00 monthly aggregate limit of all transactions) |
| 2 | Full BDA | All Transactions are allowed • For users who submitted primary ID and passed both levels of verification | • 4.00% per annum interest rate on the Average Daily Balance of up to ₱49,700.00 • Maximum deposit amount: ₱49,700.00. |
| 3 | Regular Savings Account | All transactions are allowed • For Approved PASADO loan Applicants and MySSS powered by RCBC DiskarTech users • For users who submitted primary ID and passed both levels of verification | • 4.00% per annum on the Average Daily Balance (ADB) of up to ₱50,000.00 • 1.00% per annum on the entire balance for ADBs from ₱50,000.01 up to ₱2,000,000.00 • Maximum deposit amount: ₱2,000,000.00 |
2. Ano ang mangyayari sa mga existing accounts na tinuturing na hindi Full Basic Deposit Account o yung tinatawag na “Restricted” sa system ng DiskarTech dahil sa paglabas ng bagong Community BDA?
Ang lahat ng hindi Full Basic Deposit Account o yung mga tinuturing na “restricted” accounts sa system ng DiskarTech ay automatically malelevel up to Community BDA. Mula sa limit na PHP 5,000, mae-enjoy na ngayon ang mas mataas na aggregated limit na PHP 10,000 kada buwan, ang paggamit ng halos lahat ng features at kikita na ang savings ng 4.00% interes kada taon.
3. Mayroon akong PHP 10,001 sa aking account at hindi ko ma-cash out ang natitirang piso dahil monthly aggregate limit na PHP 10,000. Ano ang dapat gawin?
Patience is a virtue ika nga. Pwede kang maghintay ng susunod na buwan para mawithdraw ang remaining PHP1 balance mo dahil back to zero every month ang cash out limit.
4. Maaari bang maging Full Basic Deposit Account ang Community BDA?
Yes. Maaaring lumevel up to a Full Basic Deposit Account ang Community BDA kung magsusumite ng valid government-issued Primary ID para magkaroon ng full verification ang account.
5. Anu-ano ang mga acceptable IDs para sa Basic Deposit Account sa DiskarTech?
Passport
Driver’s License
Unified Multipurpose ID (UMID)
Social Security System (SSS) ID
NBI Clearance
Postal ID (Issued March 2016 onwards)
Professional Regulation Commission (PRC) ID
Integrated Bar of the Philippines (IBP) ID
Seaman’s Book
Philsys National ID
QCitizen ID