Your Hassle-Free Guide to Digital Banking with Metrobank Online

Gone are the days when you had to rush to the bank before 4 p.m. to deposit money, withdraw funds, and pay bills. With the banking sector’s digital transformation, the term “banking hours” is slowly becoming dated.

Being one of the biggest banks in the country, Metrobank makes sure that it has a reliable platform catering to its digitally savvy customers. Enter Metrobank Online.

Metrobank Online is simply an upgrade from its old digital banking channel, MetrobankDirect Personal. It has a slew of enhanced features that makes banking a breeze.

Whether you’re an existing or a new Metrobank accountholder looking to take your transactions online, you’ve come to the right place. Here’s everything you need to know about this bank’s new and improved online platform.

What is Metrobank Online?

Metrobank Online is Metrobank’s flagship online banking platform. It’s the much better and more comprehensive version of its predecessor which was permanently closed in October 2021.

Through Metrobank Online, you can check your balance, send money, and pay bills in real time. It also boasts a more modern and friendlier user interface, allowing you to complete bank transactions and account-related tasks easily.

And with this upgrade comes a new set of features, such as the following:

Online Time Deposit: You can set aside your money and make it work for you through time deposit, which is also available in foreign denominations.
UITF Online: If you have a unit investment trust fund (UITF) account with Metrobank, you can easily top up and redeem funds using the bank’s online platform.
Wealth Manager: This feature allows you to view your outstanding treasury portfolio, explore additional investment options, and schedule a call with an Investment Specialist.
Options for Fund Transfer: You have two options for transferring money to other banks: InstaPay and PESONet.
QR Code Generation: You can scan and generate QR Codes for much quicker fund transfers.
Buy and Send Prepaid Load: Using the funds in your account, you can easily buy or send load.
Scheduled Transactions: To avoid delayed payments, you can automate your bill payments and schedule recurring fund transfers.

How Safe is Metrobank Online?

For your peace of mind, Metrobank has set up various defensive measures to protect your account and transactions. Below are some of the security parameters that the bank employs.

All messages are encrypted.
Only one active log-in session is allowed at a time.
One-time passwords (OTPs) are sent to your registered mobile number every time you make transactions on the platform.
A six-digit passcode is required to authorize your transactions.
Notifications on your transactions and activities are sent to your nominated email address and mobile number.

Where is Metrobank Online Available?

You can access it via desktop and mobile devices. Supported browsers include Google Chrome, Safari, and Mozilla Fox. On the other hand, its official banking app is available for Android and iOS devices.

Who Can Use Metrobank Online?

Existing Metrobank clients can access and use Metrobank Online. You’re a Metrobank client if you have one or all of the following:

A Philippine Peso account
A foreign currency account
A Metrobank credit card

How to Enroll with Metrobank Online

You’re halfway done if you’re a Metrobank accountholder. Nevertheless, you’ll need to present the following requirements for your Metrobank Online banking registration:

An active email address: This is required since Metrobank will send you the enrollment verification code.
An active mobile number: Metrobank will also send you an SMS verification code. The nominated mobile number will also receive the OTP every time you transact on Metrobank Online.

After securing your requirements, you can proceed with the registration. Here’s how it goes.

metrobank online - How to Enroll with Metrobank Online

Go to the official log-in page of Metrobank Online: www.onlinebanking.metrobank.com.ph.
Click “Sign Up.”
On the next page, you’ll see a registration form. Provide your personal details.
At the lower section of the form, enroll your deposit, credit card, or investment account. After reviewing and confirming the information you’ve just provided, click “Next.”
Metrobank will send you an email containing a six-digit OTP. Get that OTP and input it into your enrollment page. Doing so will verify your email address.
On the next page, create a Metrobank Passcode. You’ll be using this code to authorize all your transactions on the platform. As such, make sure that no one else knows about it.
Metrobank will then send you another six-digit OTP to your registered mobile number. Get that OTP and input it into your enrollment page.
You’re now enrolled on Metrobank Online. Try logging in to get a feel of the platform.

How to Enroll Additional Metrobank Accounts

metrobank online - enroll additional metrobank account

Got additional accounts that you want to access and manage online? Metrobank Online makes enrollment of such accounts easy. Here are the steps:

Log in to your Metrobank account.
On your dashboard, click the plus (+) icon.
A registration form will pop up. Key in your account or credit card number and provide an account alias. Then, click “Enroll.”
After that, enter your Metrobank passcode. Then, click “Submit.”

How to Check Your Metrobank Account Balance

Checking your account balance online is straightforward and only involves the following steps:

Log in to your Metrobank Online account.
Under “Accounts Overview,” you’ll see right away your total current balance in the “Total Deposits” box. Just click "Foreign" if you have a foreign currency account.
If you want to see more details, click the “Total Deposits” box. If you have multiple credit cards, they’ll appear after you click the box.

How to Check Your Credit Card Balance on Metrobank Online

Checking your credit card balance follows the same process as checking your total deposits.

Log in to your Metrobank Online account.
Under “Accounts Overview,” you’ll see your available credit card balance in the “Total Credit Cards” box.
Click the “Total Credit Cards” box to see more details.

How to Send Money to Other Banks with Metrobank Online

Transferring funds to other banks? You can easily do so through two options: by filling out a fund transfer form or scanning your recipient’s QR code. Here are the instructions for Metrobank Online money transfer.

Steps for Sending Money by Using a Fund Transfer Form

Log in to your Metrobank Online account.
On your dashboard, click “Send Money.”
Enter the amount that you want to send and the account details of your recipient.
Choose a source account, then click “Next.”
On the next page, review your transaction details. If you’re good with them, click “Continue.”
Authorize the transaction by entering your Metrobank Passcode.

Steps for Sending Money by Scanning the Recipient’s QR Code

metrobank online - send money via QR code

Log in to your Metrobank Online account.
On your dashboard, click “Send via QR Code.”
Scan or upload your recipient’s code. Once done, the fund transfer form will be automatically filled in. Provide other required details.
Choose a source account, then click “Next.”
On the next page, review your transaction details. If everything’s correct, click “Continue.”
Authorize the transaction by entering your Metrobank Passcode.

Remember that each fund transfer method has a daily limit and fee. Check the schedule of limits and fees below so you can plan your fund transfers accordingly.

InstaPay: ₱10,000 daily limit per source account / ₱25 fee per transfer
PESONet: ₱200,000 daily limit per source account / ₱50 fee per transfer (If the transfer is made before 3 p.m., funds will be credited to the account by 11 p.m. of the same day. Otherwise, they will be credited by 11 p.m. the next day).

How to Transfer Money to Your Other Metrobank Account via Metrobank Online

Got multiple Metrobank accounts enrolled on Metrobank Online? You can easily move money from one account to another with these simple steps:

Log in to your Metrobank Online account.
On your dashboard, click “Move Money.”
Enter the amount you wish to move, select the receiving account and the source account, then click “Next.”
Review your transaction details, and once you’re good with them, click “Continue.”

How to Pay Bills via Metrobank Online

Another wonder of Metrobank Online is that it allows you to pay your bills without leaving your house. Currently, there are more than 400 registered billers^[2] listed on Metrobank Online. Here are the steps for settling your dues:

On your dashboard, click “Pay Bills.”
Enter the amount that you need to pay, choose your biller from the drop-down menu, and provide the required fields with the necessary details.
Click “Next.”
Review your transaction details, and then click “Continue.”
Authorize the transaction by entering your Metrobank Passcode.

How to Schedule Banking Transactions on Metrobank Online

Never miss a due date with the help of Metrobank Online’s automated fund transfer or bills payment. Here’s how you can do it:

On your dashboard, choose your desired transaction.
Enter the amount and provide the details for the required fields.
Click “Later.”
On the next page, specify the date and time of transfer. If your transaction is a recurring one, specify the number of times it’ll happen, then click “Next.”
Review your transactions details. Once you’ve confirmed that everything is correct, click “Continue.”

How to Buy Prepaid Load via Metrobank Online

One handy feature that Metrobank Online has is that it lets you buy prepaid load anytime, anywhere, as long as you’re connected to the internet. Here are the easy steps that you need to take:

On your dashboard, click “Load Prepaid.”
On the next page, choose your network provider, enter your number, choose the type of load or promo, select the source account, then click “Next.”
Review your transaction details, then click “Continue”.
Authorize your transaction by entering your Metrobank Passcode.

How to Open a Time Deposit Account on Metrobank Online

Make your money work for you by holding it in your account and letting it earn interest over a specific period of time. You can do that by opening a time deposit account via Metrobank Online banking. Here’s what you need to do:

On your dashboard, click “Time Deposit.”
After reading the reminder on account opening, click “OK.”
On the next page, enter the amount that you want to deposit, choose a source account, agree to the terms and conditions, then click “Next.”
Read the product reminders on the next page, then click “Submit.”
Authorize your transaction by entering your Metrobank Passcode.

How to Enroll My Existing UITF account on Metrobank Online

If you’ve already opened a UITF account with Metrobank, know that you can now easily manage it online. Enroll your existing UITF account on Metrobank Online and you’ll be able to view your portfolio, redeem proceeds, update your risk profile, and download your statement of account.

Here are the steps for enrolling your UITF account with the platform:

Log in to your Metrobank Online account.
On the left side of the dashboard, click “UITF.”
Select “Enroll UITF Account” and follow the prompt to create your investments’ online account.

If you want a much more comprehensive approach to managing your investments, Metrobank recommends using Wealth Manager.^[3]

Read more online banking guides here:

RCBC Online Banking Guide to Managing Your Finances at Home
Beginner’s Guide to Opening a UnionBank EON Account Online
Security Bank Online Guide for Hassle-Free Banking at Home
PNB Online Banking Guide to Balance Check, Sending Money, Paying Bills and More

Final Thoughts

With the launch of Metrobank Online, Metrobank has branded itself as an innovative institution joining the banking industry’s digital transformation. And with this modern platform, you won’t find yourself queueing at the bank anymore. There’s no need to sacrifice your lunch break at work or rush before 4 p.m. just to complete a banking transaction.

Every day's a banking day since you can check your balance, send money, pay bills, and manage your investments anytime, anywhere. Give Metrobank Online a try and see how things will fare on your end.

If you have some concerns regarding Metrobank Online, from sign-up to usage, get in touch with the bank at (02) 88-700-700 or 1-800-1888-5775. Alternatively, you can contact Metrobank via email at customercare@metrobank.com.ph.