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Manila Bulletin devider Business devider Banking & Finance devider You can now open PERA retirement account on GCash, banking apps

You can now open PERA retirement account on GCash, banking apps

Published Mar 12, 2026 04:07 pm

At A Glance

  • The Bangko Sentral ng Pilipinas (BSP) is continuously working with financial institutions to expand the network supporting retirement savings and ensure a seamless and secure retirement planning ecosystem.
The Bangko Sentral ng Pilipinas (BSP) is continuously working with financial institutions to expand the network supporting retirement savings and ensure a seamless and secure retirement planning ecosystem.
As part of this effort, Filipinos now have more convenient options for opening a Personal Equity and Retirement Account (PERA) under the central bank’s “Open Finance for PERA Pilot” project.
Under the initiative, customers of G-Xchange, Inc., the operator of GCash, as well as clients of Union Bank of the Philippines, Philippine National Bank (PNB), and Rizal Commercial Banking Corp. (RCBC) who select ATRAM Trust Corp. as PERA administrator can open accounts online without manual forms or additional identification checks.
Through the project, participating institutions can securely share customer information—with the customer’s consent—with ATRAM, allowing individuals to register and open a PERA account through ATRAM’s online platform.
Customers of UnionBank may also log in to the bank’s mobile application, which now enables them to open a PERA account through ATRAM.
Launched in July 2025, the pilot continues to streamline the onboarding process, making it easier for Filipinos to access PERA accounts.
PERA offers tax incentives to individuals and their employers who set aside funds for retirement, serving as a supplementary savings vehicle alongside the Social Security System (SSS), the Government Service Insurance System (GSIS), and other investment instruments.
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