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LANDBANK Agent Banking Partners

LANDBANK Agent Banking (AB) Partners are one of the retail channels of LANDBANK to promote inclusive growth through the delivery of innovative financial products and services powered by digital banking platforms. This program supports the national government’s objectives towards greater financial inclusion, through partnerships with eligible organizations that help bring selected banking services in places where banks are not accessible. Agent Banking (AB) is a form of branchless banking wherein the Bank enters into an agreement with an AB Partner (ABP) to perform limited financial services on behalf of the Bank.

The AB Program is in accordance with BSP Circular No. 940 series of 2017, wherein banks are now allowed to serve clients through cash agents contracted to perform selected transactions in its behalf, to exponentially expand reach and serve clients more efficiently:

  • Accept and disburse cash;
  • Facilitate online self-service deposits, withdrawals and fund transfers;
  • Bills payment;
  • Relaxed Know-Your-Customer (KYC) procedures as well as collect and forward application documents for loan and account opening.

This offers a wide range of benefits to the customers, ABPs and the Bank itself.

Customers Agent Banking Partners (ABPs) LANDBANK
Will be able to enjoy lower transaction costs ABPs will be able to earn additional income while increasing their business’ sales volume Will be able to serve its mandated customers
Improved access to financial services; and Become known for being affiliated with LANDBANK Expand its customer base, market share and financial coverage; and
Potential savings on travel and related expenses for clients located outside of municipal or city centers Contribute to socioeconomic growth Save on branch infrastructure and manpower cost

Qualified LANDBANK Agent Banking Partners

There are two (2) AB Partnership modalities - Direct Agents and Agent Aggregators. Direct Agents are accredited by the Bank and carry out the responsibilities of an agent as allowed in the BSP circular. Agent Aggregators, meanwhile, are registered entities with established networks, outlets or franchises within its supervision and utilize its existing payment processing facilities to operationalize AB services while retaining overall responsibilities as the Bank’s ABP.

1. Direct Agents

  • Micro, Small & Medium Enterprises (MSMEs)
  • Large Enterprises - (Financial or Non-Financial)
  • Cooperatives
  • Non-Bank Financial Institutions
  • Sole Proprietors
  • Overseas Filipinos (OFs)
  • Overseas Filipino Workers (OFWs)
  • Rural Banks
  • Local Government Units

2. Agent Aggregators

  • Registered Entities

Services offered through LANDBANK ABPs include the following:

1. Point-of-Sale (POS) Cash-Out only – this enables cash-out transactions not just for LANDBANK-issued cards but also for other participating BancNet ATM cards.

2. Complementary Services - any one of the following:

a. Agent Banking Card (ABC) Services

  • Card sale (card opening)
  • Cash-in (reloading)
  • Cash-out (withdrawal)
  • Fund transfer (transfer from one ABC or any Peso-denominated LANDBANK
    Mastercard Prepaid Card to another)

b. Cash-out for LANDBANK and participating BancNet ATM Cards

c. Bills payment through the Bank’s Link.BizPortal

LANDBANK Agent Banking Card (ABC)
Basic Card and Product Features • P50,000 Maximum balance at any given time • P100,000.00 Monthly cumulative credit limit • P30,000 daily withdrawal limit • Not a deposit account • Philippine Peso Currency • EMV Chip-enabled • Contactless • Valid for 5 years • Reload in any LANDBANK Branch and ABP location
Uses • Personal spending in different channels • Institutional Top-up
Channels Accessible in the following where the MasterCard logo is shown: • Online Purchases • ATMs Worldwide • Point-of-Sale (POS) terminals worldwide LANDBANK Mobile Banking App (MBA)
ATM Withdrawal P30,000 or withdrawal limit of the ATM/POS terminal, whichever is lower Subject to withdrawal fee
Requirements Basic or “lite” KYC
Maintaining Balance No maintaining balance
Interest Fees & Penalties None

Documentary Requirements for Agent Banking Partners

  • Audited Financial Statements for at least 3 years;
  • Company Data (Information Sheet, SEC Registration, BIR Forms 1901/1701/1702, ITR or
  • Financial Statement, DTI Permit, Mayor’s Permit, Business Permit);
  • Location Map, Land title or lease contract;
  • Barangay Certification with good reputation in the community;
  • Valid Identification documents of principal(s);
  • Duly accomplished Agent Banking (AB) Information Sheet, User’s Request Form and POS
  • Cash-out Partner-Institution Information Sheet.

Please visit your nearest LANDBANK Branch if you wish to be a LANDBANK ABP.

Click here for the list of ABP (or LANDBANKasama) Partners.

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