Optisaver Plus account holders receive life insurance coverage which scales with account balance tiers, rewarding higher savings with greater financial protection. Meanwhile, personal accident insurance offers additional coverage against accidents resulting in injury or loss, ensuring a safety net for depositors and their families. Maintaining a minimum ADB of ₱50,000 qualifies depositors for either free life insurance or free personal accident insurance, while those in the highest balance tier of ₱20 million and above receive both coverages. As a savings account, the LANDBANK OptiSaver Plus offers flexibility with no tenor, and allows account holders to unlimited deposits and withdrawals with seamless access through LANDBANK's digital banking channels for cardless LANDBANK Visa Debit Card transactions and at all LANDBANK Branches for passbook over-the-counter transactions. Interested clients can open an OptiSaver Plus account at any LANDBANK branch and receive a passbook for account monitoring. Meanwhile, existing OptiSaver account holders who wish to avail of the free insurance coverage may visit their LANDBANK branch of account to complete the necessary forms. Account holders will also receive the forms via email from their branch of account.
| MINIMUM INITIAL DEPOSIT | ₱50,000 | |
| REQUIRED MINIMUM AVERAGE DAILY BALANCE (ADB) | ₱50,000 | |
| REQUIRED DAILY BALANCE TO EARN INTEREST | ₱50,000 | |
| INTEREST RATE (PER ANNUM) | • 0.05%: ₱50K to below ₱50K • Tiered interest rates from 1.00% to 4.00% | |
| MONTHLY SERVICE CHARGE IF BELOW MINIMUM ADB | ₱200 | |
| MONTHLY DORMANCY FEE | ₱30 | |
| FEE IF CLOSED WITHIN ONE (1) MONTH FROM OPENING DATE | ₱300 |
Click here for the complete list of deposit accounts and their basic features and fees.
