How to pay Pag-IBIG contributions online

Paying Pag‑IBIG contributions online offers fast and convenient access to maintaining active membership—whether for regular savings or MP2—without the need to visit a branch.

With digital platforms like Virtual Pag‑IBIG, e-wallets (e.g., GCash, Maya), online banking, or mobile apps, members can submit payments anytime and retain records instantly.

Processes, fees, and posting timelines may vary, so always confirm details via the official Pag‑IBIG Fund website or Virtual Pag‑IBIG portal for the most current information.

How to Pay via the Virtual Pag-IBIG Portal

The Virtual Pag‑IBIG portal is the primary channel for online contributions. Log in, select Pay Online, then choose “Regular Savings” or “MP2.”

Enter your Pag‑IBIG MID, member category, period to cover, and select a payment method (GCash, Maya, or debit/credit card).

A convenience fee—typically around 1.75%—is displayed before completing payment. Transactions are processed in real time, and receipts are immediately available for download.

It’s important to use supported browsers like Chrome, Firefox, or Edge for smooth payment processing.

Using E-Wallets and Online Banking

If you prefer mobile or banking apps, you can pay through e-wallets like GCash, Maya, or platforms such as Coins.ph.

Simply access the “Pay Bills” feature, select Pag‑IBIG, input your MID, choose the contribution type and amount, then confirm the payment. Posting to your account usually takes 1–2 working days.

Online banking through institutions like BDO, BPI, Landbank, UnionBank, or Metrobank also supports direct contributions via their bills-payment modules.

Accredited Physical Payment Partners

For those needing physical options—or without digital access—Pag‑IBIG accredited partners provide alternative outlets:

• Agencies such as Bayad Center, M Lhuillier, SM Bills Payment, 7‑Eleven CLIQQ (ECPay), and banks like UCPB, Asia United Bank; and
• Pag‑IBIG servicing branches and overseas posts for face-to-face transactions.

Simply bring your Pag‑IBIG MID (or RTN for MP2), fill out a payment slip, and pay at the counter. These centers provide official receipts and typically post payments within a few working days.

Employer Remittance and Auto-Debit

Employers or self-employed business owners can remit contributions via the Pag‑IBIG Online Payment Facility (OPF) or eSRS.

Payroll deductions and remittance schedules are uploaded and paid online, simplifying bulk transactions.

Auto-debit arrangements through partnered banks are also available, ensuring contributions are remitted automatically each month—minimizing lateness.

Payment Deadlines and Penalties

Contributions are due by the 10th day of the following month. For self-employed or quarterly filers, deadlines may vary.

Any late payments incur a daily penalty of 0.1% (1/10 of 1%) per day. Excessive delays can result in penalties, suspended benefits, or ineligibility for loans.

Under exceptional circumstances, such as calamities, penalty waivers may be issued—but these require official resolution. Always check Pag‑IBIG announcements for updates.

Advantages of Online Contributions

Choosing digital channels brings key benefits:

• ⏱ Instant convenience — available 24/7 via app or portal.
• Clear records — payment histories and downloadable receipts.
• Flexible payment options across multiple platforms.
• Time savings — no need to commute to branches or wait in queues.

These benefits help maintain active membership and ensure continued access to savings, loans, and other Pag‑IBIG offerings.

Frequently Asked Questions

Can I pay contributions for multiple months at once?
Yes. Virtual Pag‑IBIG allows you to enter coverage for up to 36 months per payment.

Will I still be penalized if I pay online but it’s late?
Yes. Payments must meet the deadline—online or not—to avoid penalties.

Can overseas Filipinos pay their contributions online?
Absolutely. Virtual Pag‑IBIG and e-wallets like GCash or Maya enable OFWs to pay contributions remotely.

Is there a fee for using e-wallets or cards?
Yes. Convenience fees of around 1.75% apply, and e-wallets may charge small transaction fees.

How do I confirm my payment was posted?
Log into the Virtual Pag‑IBIG portal and check your “Transaction History.” Allow 1–3 working days for external payments to appear.