Banking made easier: Choose the right channel for your needs

Banking today is simpler than ever! With more options at your fingertips, you can now choose how you want to bank—whether it’s visiting a branch, using digital platforms, or calling automated hotlines. Knowing the strengths of each banking platform helps you manage your finances more efficiently and opens up opportunities to diversify your investments. The Bangko Sentral ng Pilipinas reports that digital payments accounted for 52.8% of retail transactions in 2023, showing how Filipinos are embracing more convenient ways to manage their money.

Ready to make banking work better for you? Here’s your easy guide to making the most of your bank’s different channels. 

Online banking

Metrobank’s digital platforms let you handle your finances 24/7 from anywhere, saving you time and transportation costs:

With the Metrobank App:

Send and pay with ease

• Send money to other banks via InstaPay (instant) or PESONet (for larger amounts)
• Pay bills from over 400 registered billers covering utilities, insurance, and services
• Schedule one-time or recurring payments to never miss a due date
• Send money using your credit card via PayNow

Manage and maintain your credit card

• Activate your new credit card
• Temporarily lock your credit card if it’s misplaced
• Manage credit card installments through Cash2Go, Balance Conversion, and Balance Transfer

You can also make online time deposit placements right from your phone. Make sure to authenticate transactions securely with Face ID or fingerprint scanning by activating Metrobank AppKey.

Using Metrobank Online (web browser):

• Open an online time deposit
• Invest in Unit Investment Trust Funds and track performance
• Download electronic Statements of Account for your deposit accounts
• Order new checkbooks without visiting a branch
• Send cash to remittance centers for family members to pick up

All these features are protected by bank-level security, including encryption, one-time passwords, and biometric authentication. Best of all, you can easily switch between the app and web browser since your accounts, billers, and beneficiaries are synced across both platforms!

Download the Metrobank app from the App Store or the Google Play Store and click here to access Metrobank Online. 

Interactive voice response systems (IVRS)

IVRS like Metrobank’s 24/7 hotline, (02) 88-700-700 or toll-free 1-800-1888-5775 for PLDT users, work even when your internet connection doesn’t. Customer service representatives are available from 8 a.m. to 8 p.m. daily but you can also access self-service options 24/7:

Apply for and avail of credit card services

• Apply for a new credit card
• Inquire about your credit card application or delivery
• Avail of features like PayNow, Cash2Go, Balance Transfer, and Balance Conversion

Manage and maintain your credit card

• Activate your new credit card
• Report lost cards or fraud incidents
• Access key services like balance inquiry, last payment details, card features, ongoing promos, and rewards status
• Update your contact information

Just dial the hotline, follow the voice prompts, and use your phone keypad to bank securely without data or apps!

IVRS systems are especially helpful when you’re in areas with poor internet connection, during power outages, or when you need immediate assistance outside banking hours. Most banks operate their hotlines 24/7, providing continuous access to your accounts even during holidays.

Branch banking

Branch banking gives you face-to-face assistance with trained professionals who can help with complex matters. Visit your nearest branch when you need to:

• Open new accounts or apply for loans that require documentation and signatures
• Discuss complicated account concerns with a personal banker who can solve problems on the spot
• Deposit checks or withdraw amounts of cash that exceed ATM or online banking limits
• Updating your specimen signature or biometric information

For the best experience, try visiting branches during mid-morning or mid-afternoon on weekdays when queues are typically shorter. Some branches also offer extended hours on weekdays and weekend operations in mall locations. Click here to find the Metrobank branch closest to you.

 

Save time and effort by knowing which channel to use for different situations

For urgent matters, such as reporting a lost card, start with your bank’s hotline for immediate assistance.

For everyday transactions, like checking balances or sending money to friends, use online and mobile banking to save time—no traffic, no queues, just banking at your own pace.

For major financial decisions, such as housing or car loans, visit your branch, where you’ll receive the full attention you deserve.

Banking doesn’t have to be complicated. By understanding each channel’s strengths, you can create a seamless experience that fits your lifestyle. Take a few minutes today to explore your bank’s different platforms—it’s a small investment that will make your financial life much easier in the long run.

 

Get more quick tips from lifebanking.ph to help optimize your financial journey.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Financial decisions should be based on your own research and personal circumstances. Consider consulting with a qualified professional before making any financial decisions.