Pag-IBIG for OFWs: ₱200 a Month and What It Buys
Home Development Mutual Fund · membership
Quick answer
OFW members contribute ₱200 a month to Pag-IBIG Regular Savings, matched by ₱200 from a Philippine employer such as a manning agency. On top of that, MP2 Savings is voluntary from ₱500 per remittance and returned 7.12% in 2025.
Last verified
Where these figures come from
About these figures: the numbers below come from Pag-IBIG's official published sources: Pag-IBIG Fund | Regular Savings (https://www.pagibigfund.gov.ph/Membership_RegularSavings.html, retrieved 2026-08-31); Pag-IBIG Fund | MP2 Savings (https://www.pagibigfund.gov.ph/member_savings_mp2.html, retrieved 2026-08-31); Pag-IBIG Fund | MP2 Savings Claims (https://www.pagibigfund.gov.ph/member_claims_mp2savings.html, retrieved 2026-08-31). Agencies change fees and rates without notice, so confirm with Pag-IBIG before you rely on them. Last verified: 2026-08-31.
An OFW’s Pag-IBIG contribution is ₱200 a month, which is half what an employed member at home pays, because there is often no employer on the other side of the match.
What you pay
Since February 2024, at 2% per side of the ₱10,000 Maximum Fund Salary.
| Member type | Member share | Employer share | Total |
|---|---|---|---|
| OFW, no Philippine employer | ₱200 | None | ₱200 |
| OFW with a Philippine employer, such as a seafarer under a manning agency | ₱200 | ₱200 | ₱400 |
| Employed, private or public | ₱200 | ₱200 | ₱400 |
| Self-employed | ₱400 | None | ₱400 |
| Earning under ₱10,000 a month | 2% of actual earnings | - | Varies |
Before February 2024 the OFW rate was ₱100 a month. The contribution table covers every member type.
What ₱200 a month builds
| Period | Contributed at ₱200 | At ₱400 with an employer match |
|---|---|---|
| A year | ₱2,400 | ₱4,800 |
| 5 years | ₱12,000 | ₱24,000 |
| 10 years | ₱24,000 | ₱48,000 |
| 240 monthly savings, the maturity mark | ₱48,000 | ₱96,000 |
Those are contributions in. Dividends are credited on top, and the Regular Savings guide covers the maturity rules: 240 monthly savings, or 180 on the 15-year option.
The voluntary layer
| MP2 Savings | |
|---|---|
| Minimum | ₱500 per remittance |
| Term | 5 years |
| 2025 return | 7.12% |
| 2024 return | 7.10% |
| 2023 return | 7.05% |
| 2022 return | 7.03% |
| 2021 return | 6.00% |
| Charter mandate | At least 70% of annual net income returned as dividends |
| Tax | Government guaranteed and tax-free |
| Eligibility | An active member: 1 contribution in the last 6 months |
The MP2 enrollment guide covers opening it and the MP2 calculator projects the outcome.
Paying from abroad
| Route | Detail |
|---|---|
| Virtual Pag-IBIG | pagibigfundservices.com/virtualpagibig, 24/7 |
| Payment categories | Housing Loan; Regular Savings; MP2 Savings; Multi-Purpose Loan; For OFWs; housing loan processing fee |
| Over the counter | Pag-IBIG’s published payment channels |
| For MP2 | Have your MP2 Account Number ready |
The pay contributions guide covers the channels.
Claiming when you leave for good
Permanent departure from the country is one of Pag-IBIG’s published claim grounds.
| # | Document |
|---|---|
| 1 | Accomplished Application for Provident Benefits (APB) Claim Form |
| 2 | Pag-IBIG Loyalty Card or Loyalty Card Plus |
| 3 | 1 valid ID of the member |
| 4 | SSS employment history, if applicable |
| 5 | Passport with an immigrant, residence or settlement visa or equivalent, 1 photocopy |
| 6 | Declaration of Intention to Depart from the Philippines Permanently, form HQP-PFF-031, 1 original |
Item 6 is not required if you are already based abroad. Expatriates who have contributed to Pag-IBIG may also claim, with items 1 to 4. The MP2 withdrawal guide covers the claim grounds in full.
The IDs that work for an OFW
| ID | Covered here |
|---|---|
| OWWA ID | OWWA membership |
| Overseas Filipino Worker ID | - |
| Seaman’s Book or SIRB | - |
| Passport, including foreign-issued | New passport |
| PhilID | National ID registration |
| SSS Card | SSS UMID and MySSS Card |
| TIN ID | TIN ID |
| NBI Clearance | NBI clearance requirements |
| Pag-IBIG Loyalty Card | Loyalty Card Plus |
What you can borrow
| Loan | Rate | Term | Amount |
|---|---|---|---|
| Multi-Purpose Loan | 1.4583% a month | 12, 24 or 36 months | Up to 90% of Regular Savings |
| Calamity Loan | 5.95% a year | 12, 24 or 36 months | Up to 90% of Regular Savings, with a 3-month grace period |
| Housing Loan | Covered in its own guide | Covered in its own guide | Covered in its own guide |
At 90%, an OFW with ₱12,000 of Regular Savings after 5 years has about ₱10,800 of loanable value. That is arithmetic on the published percentage, not a loan offer. The loan status guide covers applying and tracking.
The rest of the OFW stack
| Agency | Contribution or fee | Where it is covered |
|---|---|---|
| Pag-IBIG | ₱200 a month | This page |
| SSS | ₱760.00 to ₱5,280.00 a month, by MSC | SSS for OFWs |
| OWWA | USD $25.00, valid until the contract ends or 2 years | OWWA membership |
| DMW | OEC, valid 60 days, single exit | OEC guide |
| DMW | Balik-Manggagawa OEC, total standard fee None | Balik-Manggagawa OEC |
| DFA | Passport, ₱950.00 regular | New passport |
Getting help
| Channel | Detail |
|---|---|
| Hotline | 8-724-4244, spelled 8-Pag-IBIG |
| contactus@pagibigfund.gov.ph | |
| Branch locator | Search within 5, 10, 25, 50 or 100 kilometres, or unlimited |
| Virtual Pag-IBIG | 24/7 |
What this page does not cover
Pag-IBIG does not publish, on the pages read for this guide, overseas offices or representatives, the named payment channels available abroad, a currency conversion rule for contributions paid overseas, or a separate housing loan programme for OFWs. None of those are stated here.
Related
The pay contributions guide covers paying from abroad, the MP2 enrollment guide the voluntary layer, and the MP2 withdrawal guide claiming on permanent departure.
Frequently asked questions
- How much does an OFW pay to Pag-IBIG?
- ₱200 a month since February 2024, up from ₱100. An OFW with a Philippine employer, such as a seafarer under a manning agency, has that matched by the employer at ₱200, making ₱400 in total.
- Where does the ₱200 come from?
- It is 2% of the ₱10,000 Maximum Fund Salary. Employed and self-employed members pay ₱400 in total on the same base; an OFW without a Philippine employer pays only the member side.
- Can I save more?
- Yes. Pag-IBIG states members may save more than the required amount, and MP2 Savings is the voluntary layer with published returns: 7.12% in 2025, 7.10% in 2024, 7.05% in 2023, 7.03% in 2022 and 6.00% in 2021.
- How do I pay from abroad?
- Through Virtual Pag-IBIG at pagibigfundservices.com/virtualpagibig, which runs 24/7 and lists Pay Online as one of its five service groups. Pag-IBIG's payments page also has a dedicated For OFWs category.
- Can I claim my savings if I migrate?
- Yes. Permanent departure from the country is a published claim ground. It needs the Application for Provident Benefits Claim Form, a Loyalty Card or Loyalty Card Plus, 1 valid ID, SSS employment history if applicable, a passport photocopy with an immigrant, residence or settlement visa, and the Declaration of Intention to Depart from the Philippines Permanently (HQP-PFF-031), which is not required if you are already based abroad.
- Which IDs does Pag-IBIG accept from OFWs?
- Its list includes the OWWA ID, the Overseas Filipino Worker ID, the Seaman's Book or Seafarer's Identification and Record Book, a passport including those issued by foreign governments, the PhilID, the SSS card, the TIN ID and the Pag-IBIG Loyalty Card, among others.
- What can I borrow?
- The Multi-Purpose Loan at 1.4583% a month and the Calamity Loan at 5.95% a year, both computed at up to 90% of your Regular Savings, plus the housing loan programmes. The loanable amount tracks your contribution record.
- Do I need to be active to open MP2?
- Yes. Pag-IBIG defines an active member as one who has made at least 1 monthly contribution within the last 6 months.
More Pag-IBIG guides
Sources
- Pag-IBIG Fund | Regular Savings, retrieved
- Pag-IBIG Fund | MP2 Savings, retrieved
- Pag-IBIG Fund | MP2 Savings Claims, retrieved