There may be hundreds or even thousands of newbie Content Creators from YouTube who don’t have 1,000 subscribers and more than 4,000 valid public watch hours. Once you’ve been accepted into the YouTube Partner Program, you’ll typically need a bank account to receive your first payment from AdSense.
Alright, let’s jump right in! In this article, I will discuss the top 2 best banks in the Philippines for YouTube AdSense in 2026. So, without further ado, let’s go!
1. UnionBank of the Philippines
Go to the website and apply for an EON Cyber Card. After submitting the form on the website, you’ll receive a notification on your registered mobile number with a reference number, which you can show at your preferred UnionBank branch to claim the visa card. You’ll need to wait 15 working days for a card to be processed. You’ll receive an automated message if your card is ready for pick up at the branch, and you have to inform the security guard on duty that you’ll claim your card. He/she will guide you inside a bank on how to get your priority number for new accounts.
Present a valid government ID, such as UMID, Postal ID, or even PRC ID, with a reference number of your application from your phone. The Account Officer would need to ask some questions.
The source of funds - It should be from Google LLC, YouTube AdSense.
Screenshot of the channel - You need to provide a clear screenshot of your monetized YouTube channel, and he/she will give you an email address to which to send the screenshot to attach to your account as proof.
Afterwards, you’ll need to fill out a form, and within a few minutes, your card will be released with an advance payment of ₱350.00 for 1 year, and the card will expire in 5 years. The card is not free, and you can deposit into your account with a transaction limit of ₱10 million.
Going back to AdSense, once you’ve added a UnionBank savings account, it will serve as your primary payment method. The finalized earnings for the previous month, let’s say from October, are added to your payments account balance in AdSense between the 7th and 12th of November. If your balance exceeds the payment threshold and you have no payment holds, you’ll be issued between the 21st and 26th of November.
On November 21, 2023, AdSense will send a notification confirming that the payment was successfully sent, and you’ll receive your payment most likely on November 23, based on my experience from the previous month. If the 21st falls on a weekend or holiday, payments may be issued on the first business day following the 21st of that month.
Is there a service charge fee for wire transfers?
How much would be the service charge fee?
I know you’re excited to know about this. Let’s find out:
My finalized earnings from my channel from August 2023 were $224, which is around ₱12,544.00, and the amount that I received in my UnionBank savings account was ₱11,820.00 with a service charge fee of ₱724.00.
2. Philippine Savings Bank
You can visit the nearest branch in your area and apply for a PSBank Prepaid Mastercard, then fill out an application form with your valid ID. You’ll be asked about your source of funds, and it should be from Google LLC, YouTube AdSense, as the same with UnionBank. In just 30 minutes or more, you’ll get your customized prepaid card for free. There’s no maintaining balance required, but you still need to fund your account with even ₱20.00 just to become active.
Going back to AdSense, my finalized earnings for January 2023 were $169, and I received ₱8,118.00 in my PSBank account with a service charge fee of ₱1,008.00 last February 22, 2023.
I found out that UnionBank has the lowest service charge fee compared to PSBank, but you’ll receive your money smoothly.
These are the top 2 best banks for receiving payment from YouTube AdSense in the Philippines, I could recommend for newbie Content Creators.
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