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If your bank fails, the PDIC will cover your total deposits in your failed bank up to 500,000 pesos.
If you have more than one account, or have accounts in other branches of your bank, these will be added together for coverage computation, but the PDIC will cover only up to 500,000 pesos.
You will be required to file your claim according to instructions that will be published by the PDIC.
All valid accounts in banks operating in the Philippines are covered by the PDIC deposit insurance, including branches or subsidiaries of foreign banks.
Excluded from the deposit insurance are:
Electronic reloadable cards
Visa or Mastercard prepaid or debit cards which are not savings accounts
Investment products such as bonds, securities, and trust accounts