Learning how to grow, protect, and manage your wealth can be a daunting feat. But having a trusted partner who can guide you with these makes all the difference.

We, at Bank of Commerce, share with you everything that we have to help you achieve your wealth goals - whether they concern your family, your excess funds, your real estate property, your funding requirements, or other assets.
Contact us at
Address: Ground Floor San Miguel Properties Centre No. 7 St. Francis St., Mandaluyong City 1550
Trunk Line:(+632) 982-6000

Trust Services
Direct Lines:(+632) 214-8858/ 214-8865/ 214-8966/ 214-8864
Fax Number:(+632) 477-5552

Treasury Management
Trunk Line:(+632) 982-6400
Fax Number:(+632) 477-5550

  • We take care of your future plans for your family. We can help you provide a sense of security for you and your children, from education, to lifestyle sustenance, to estate planning.
    Learn more about our Living Trust Account.

  • We keep you in the know for investment opportunities other than Special Deposit Accounts issued by the Bangko Sentral ng Pilipinas, like corporate issuances by the San Miguel Group and other high-yielding products of our accredited counterparties.
    Learn more about our Investment Management Account.

  • We inspire you to get into the habit of saving and investment with our retail investment products, and let you leverage on the expertise of our investment team.
    Learn more about our Unit Investment Trust Funds.

  • We help you give your employees with a sense of security throughout their tenure via a retirement fund. More importantly, we will help you comply with the regulatory requirement of providing retirement benefits to eligible retirees. From setting up and implementing the retirement fund, we shall make the process as convenient as possible.
    Learn more about our Retirement Fund.

  • We protect everyone's interest when it comes to various escrow arrangements - POEA Escrow, Lessor-Lessee Escrow, Capital Gains (BIR) Escrow, Buyer-Seller Escrow, Source Code Escrow, and HLURB Escrow.
    Learn more about our Escrow Services.

  • We also offer loan agencies, collateral trusteeship, and other services for the borrowing/lending needs of corporations and individuals.
    Learn more about our Other Agency Services.





















Living Trust Account

Did you know that?

Your assets become frozen upon demise and gets divided to your immediate family/ beneficiaries based on what the Law prescribes. The length of obtaining the Grant of Probate can take from 1 year up to 10 years. All the monies distributed to your young children will be handled by their guardian.

But what if, You prefer to distribute your wealth based on what you want and not on what the Law says? Your family cannot afford the long wait and the expenses to get Probate? Your appointed guardian may mishandle what's earmarked for your children?

We can help you face and plan for this reality.

A Living Trust Account gives you the power to manage and distribute your wealth to your family based on your wishes and even beyond your lifetime. It efficiently transfers your assets placed under the trust, especially with the help of a trusted entity who will objectively administer your assets based on your guidelines.

How can we help you?

Standard Trust Choose among the future dreams that you have for yourself or your loved ones.

Want to set aside funds for your children's schooling? Then setup an Education Trust

Want to live off earnings that will cover day-to-day/ living expenses? Then set up a Sustenance Trust

Want to enjoy your freedom for the corporate or entrepreneurial world and plan for your retirement? Then setup a Retirement Trust
  • All types of trust have provisions about when, how and to whom to transfer your estate
  • Minimum term of six (6) months
  • Recommended horizon of five (5) years
  • Minimum volume of PhP 1,000,000.00 or USD 25,000
Customized Trust Having so much wealth comes with having so much family responsibilities, financial obligations and other matters to take care of.

Trust us to listen to your needs, and craft a comprehensive trust so that you live your life to the fullest while knowing that all your wealth is secure.
  • All types of trust have provisions about when, how and to whom to transfer your estate
  • Minimum term of six (6) months
  • Recommended horizon of five (5) years
  • Minimum volume of PhP 10,000,000.00 or USD 250,000

Investment Management Account

Financial freedom is a result of working hard and working smart. It starts with acknowledging you need a trusted adviser on how to keep up with or beat inflation, to take advantage of earning from the debt and equity markets, and to plan your financial obligations. Let your money (and Bank of Commerce) work for you.

How can we help you?

Maximizing your Short-term Funds Need funds for emergency, or for very immediate expenses? Try our peso and dollar short-term investments and earn more than what you get from a regular savings account Peso Assets
  • Term: 1 year or less
  • Minimum of PhP 1,000,000
Dollar Assets
  • Term: 1 year or less
  • Minimum of USD equivalent of PhP 1,000,000
Looking for Higher Yields given an Intermediate to Long-term Horizon Can afford more risk in pursuit of higher returns? Come to our shop and let's talk about the various fixed-income and equity investments that you can avail. Choose from an exciting menu of corporate bonds, to preferred shares, to pooled funds. Peso Assets
  • Term: More than 1 year
  • Minimum of PhP 1,000,000
Dollar Assets
  • Term: More than 1 year
  • Minimum of USD equivalent of PhP 1,000,000

Unit Investment Trust Fund (UITFs)

We value the power of retail investments as money invested in open-ended pooled funds managed by professional investments team are invested in the most prudent manner possible. Through our UITFs, we'll let your money grow by investing in various outlets that may generate higher returns than traditional deposit products, such as money market securities, bonds and equities which are normally available to bigger investors only which are subject to client's risk appetite and investment horizon.

- Builds up savings
- Professional management - allows clients to gain access to the expertise and services of fund managers
- Maximize income
- Fund diversification
- Liquidity

Bank of Commerce DIVERSITY Funds

  • Diversity Money Market Fund - seeks to preserve capital and generate income. It is suitable for a conservative investor with a short-term investment horizon. Conservative, meaning, the investor prefers low risk and fixed return. It's more on capital preservation.
    For FAQs about Diversity Money Market Fund, click here.

  • Diversity Peso Bond Fund / Dollar Bond Fund - has the objective to achieve long-term capital growth. It is suitable for a moderate type of investor with an investment horizon of at least 5 years. Moderate, meaning, the investor would like to generate returns that are higher than traditional deposit products and may tolerate minor fluctuations of the underlying instruments of the fund.
    For FAQs about Peso Bond Fund, click here.
    For FAQs about Dollar Bond Fund, click here.

  • Diversity Dividend Focused Fund - newest type of UITF that is suitable for aggressive investors with an investment horizon of at least 5 years. The fund is invested in high-yielding preferred shares and common shares with a track record of dividend payments.
    For FAQs about Diversity Dividend Focused Fund, click here.

Disclosure: The Fund is NOT a DEPOSIT and not insured by PDIC. Due to the nature of the investments, yield and potential yields cannot be guaranteed. Any income or loss arising from market fluctuations and price volatility of the securities held by the Fund, even if invested in government securities, is for the account of the investor. As such, units of participation of the investor in the Fund, when redeemed, may be worth more or be worth less than his/her initial investments/contributions. Historical performance, when presented, is purely for reference purposes and is not a guarantee of future results. The trustee is not liable for losses, unless upon willful default, bad faith or gross negligence.

Retirement Fund

Do you want to reward your employees for their loyalty and productivity? Corporations can set up a retirement fund in accordance with laws regarding retirement benefits.

How can we help you?

Implementation of your fund's plan rules and regulation.
Assist you on the procurement of a tax-exemption certificate on your fund from the Bureau of Internal Revenue (BIR).
Inputs to your Human Resource Group on the administration aspects of a Retirement Fund, to further improve your retirement benefits.
Professional management of your Fund's assets with the objective of maximizing returns while minimizing risks.
Periodic financial statements detailing your investments.

Escrow Service

Do you need an unbiased third party in a contract/arrangement involving the exchange of money, securities, documents or properties? Bank of Commerce, as the third party, ensures faithful compliance with the terms of the contract and protect the parties respective interests.

How can we help you?

Type of Escrow
Property Escrow Buying or selling a property? Bank of Commerce can help you facilitate the agreement where both parties should meet the terms and conditions before the funds and title are released to the respective parties.
Capital Gains Tax Escrow Selling your primary house can exempt you from capital gains tax, provided that you will acquire or construct your new principal residence within 18 months.
POEA Escrow Before being a Licensed Overseas Recruitment company, you are required to deposit in escrow an amount prescribed by the Philippine Overseas Employment Agency (POEA) to meet the claims of the agency and the workers.
HLURB Escrow A property developer can be issued a Temporary License to Sell provided that the company opens an escrow account and sales proceeds are deposited thereto.
Source Code Escrow The source code to your software/s can be kept safe in Bank of Commerce.

Other Agency Service

Interested in tapping the investing public for the needed capital for your business expansion and other long-term expenditures? Do you need an objective third party for your credit facilities? Bank of Commerce shares with you the technical expertise to come up with the best arrangements.

How can we help you?

Loan Agency We fulfill various responsibilities within a lender-borrower arrangement, ensuring the systematic and timely execution of administrative tasks and duties in the implementation and completion of the provisions stipulated in a loan agreement.
Collateral Trusteeship
(for corporate clients)
We serve as an intermediary between the borrower and its creditors relative to the management and administration of collateral ensuring maximized use of the foregoing at minimum cost.
Safekeeping We act as your own personal safekeeper, ensuring the safety and preservation of important documents such as certificates and titles, under specified conditions. This service is available for both Personal and Corporate/Institutional clients.

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