• Warning: Watch Out for "Phishing" E-mails Targeting Philippine National Bank User as of July 8, 2008

• Quick Tips as of August 5, 2009

• Virtual Access 10+ & Postal Link 10+ Web Confirmation as of July 14, 2009

• Virtual Access 10+ & Postal Link 10+ VS Other Modes of Remittances as of June 26, 2009

• In compliance with the newly implemented Bangko Sentral ng Pilipinas Circular no.649, maximum allowable remittance credit for GFC is up to an aggregate amount of 100,000 pesos in a calendar month.

Monthly aggregation means that the client can send a maximum of PHP 100,000 in a period of one calendar month.

Example:

 

GFC holder's existing GFC balance as of October 31 is PHP 85,000. For the month of November, a cardholder can still receive remittance credits to a maximum of PHP 100,000

Date of Remittance Credit	Origin of Remittance	Remittance Amount in Pesos
November 10, 2009	Hong Kong	PHP 25,000
November 15, 2009	Singapore	PHP 35,000
November 20, 2009	Japan	PHP 30,000
November 25, 2009	Japan	PHP 15,000 (Not thru GFC but APAS)

For remittances beyond the monthly allowable credit, money can be sent through Advise and Pay Service (APAS) upon confirmation with the Remitter. Thus, in the example above, the November 25 remittance amount equivalent to PHP 15,000 shall be sent by APAS since as of November 20, 2009, total credits for the November is already at PHP 90,000; remaining remittance credit is only PHP 10,000.

 

On December 1, available remittance credit limit for the month is again at PHP 100,000.

 

To avoid delays in GFC remittances, we recommend that cardholders/beneficiaries keep track of remittance credits. PNB Japan has to confirm with clients GFC transactions that would cause the monthly remittance credits to go beyond PHP 100,000. Non-confirmation will cause the remittance transaction to be put on hold. For future remittances, PNB recommends and offers assistance in the opening of Philippine-based Accounts through APAS.

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