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(For New Registration, Additional Beneficiary and Record Amendment)

Enjoy the convenience of downloading the application form from our homepage. Please read the “Terms and Condition for Overseas (Foreign) Remittance” and click Agree.

The forms consist of “Overseas Remittance Application Registration and Declaration”, “Easy Postal Remit Card Application (EPRC) Form”, Metrobank Easy Transfer Service (METS) Form” and “ID Submission Form”.

NEW! For Cheaper and Easy way of sending remittance, apply for EPRC or METS:

  • EASY POSTAL REMIT CARD (EPRC) For details, please click here.
  • METROBANK EASY TRANSFER SERVICE (METS) For details, please click here.

Please print all forms, write all necessary information needed to complete your application and affix your signature in the space provided.

Please attach front and back copy of your valid ID in the space provided in the “ID Submission Form”.

  • FOREIGN NATIONALS – Residence Card
  • JAPANESE NATIONALS – Driver’s License and etc.

To save mailing cost, you may also print the “Free Postage-paid Address”, cut it and paste is to an envelope. Stamps/Postage is not necessary.


To Download

TERMS AND CONDITIONS FOR OVERSEAS (FOREIGN) REMITTANCE


Article 1 Scope of Application

Branches (Shiten and Syucchosyo) of Metropolitan Bank & Trust Company in Japan (hereinafter referred to as "Metrobank-Japan") will process overseas remittance transactions subject to Terms and
Conditions for Overseas (Foreign) Remittance (hereinafter referred to as the "Terms and Conditions for Overseas Remittance").

Article 2 Definition of Terms

  1. Overseas Remittance Transactions - shall mean either of the transactions set forth below:
    • A certain amount of funds credited to a deposit account of the beneficiary maintained with Metrobank Head Office or branches in the Philippines (hereinafter "Metrobank"), paid to the beneficiary by cash at the counter of Metrobank, or
      paid to the beneficiary by cash at Payout Outlets, as designated by the remitter; or
    • Payment Instruction (as defined below) to Receiving Bank (as defined below and inclusive of Metrobank) instructing them to pay a certain amount of funds to the deposit account of the beneficiary maintained with financial institutions in
      foreign state including the Philippines, as designated by the remitter.
  2. Payment Instruction - an instruction for Receiving Bank (inclusive of Metrobank) to make payment of a certain amount of funds available to the beneficiary.
  3. Paying Bank - a financial institution (Payout Outlets inclusive) that credits the remitted funds to the beneficiary's account or pays the same to the beneficiary.
  4. Receiving Bank - either Metrobank in the Philippines, or other financial institution who handles ;
    • intermediation of Payment Instruction, or
    • settlement of the remitted funds among financial institutions

Article 3 Pre-Registration of Overseas (Foreign) Remittance

  1. When requesting overseas remittance transactions, the remitter, whether individual or juridical person, shall:
    • submit to Metrobank-Japan the prescribed form ("Overseas Remittance Application Registration and Declaration", hereinafter the “Application Form”), declaring the necessary information regarding the remitter and the individual or juridical person designated as the beneficiary ,
    • submit a valid identification document and other documents prescribed by Metrobank-Japan, and
    • complete the registration procedure for an overseas (foreign) remittance as required by Metrobank-Japan.

Upon completion of prescribed registration procedure, the remitter shall be registered.

  1. When any change occurs regarding the contents of the Application Form, the remitter, in order to change the registered information, shall promptly submit to Metrobank-Japan the documents prescribed by Metrobank-Japan and any applicable official document evidencing such changes.
  2. Metrobank-Japan shall not accept any request for overseas remittance transactions if the registration or procedures for change of registered information, as prescribed in the preceding two Paragraphs, has not been completed.

Article 4 Requests for Overseas (Foreign) Remittance

  1. Metrobank-Japan shall handle a request for overseas (foreign) remittance in accordance with the following:
    • Request for overseas (foreign) remittance shall be accepted at the counter of Metrobank-Japan only during its banking hours. The remitter shall properly fill out application for overseas (foreign) remittance and affix the signature
      or seal identical to the signature or seal used for Application Form.
    • Metrobank-Japan shall accept request for overseas (foreign) remittance through telephone only during its banking hours. The remitter shall be required to provide the PIN, name, beneficiary's name, remittance amount and purpose, etc.
    • Specified transfer card for Quick Padala or EPRC shall be properly used and specified account number shall be properly used for METS. Overseas (foreign) remittance shall be processed in accordance with terms & conditions separately
      established for respective services.
  2. When its accepting request for overseas (foreign) remittance, Metrobank-Japan shall ensure compliance with Act for Prevention of Transfer of Criminal Proceeds and Foreign Exchange and Foreign Trade Act and, therefore, the remitter is, obliged to comply with the following requirements:
    • In addition to information of the remitter and the beneficiary, declare the purpose of remittance and occupation (for individual), purpose of remittance, nature of business and ultimate beneficial owner (for juridical person) respectively.
    • Submit identification documents for declaration of the remitter's information. Submit Residence Card as identification document in case of foreign nationals.
    • For any transactions requiring permission from the relevant governmental authority, submit copy of the permit to the Metrobank-Japan.
    • As a principle, overseas (foreign) remittances exceeding 300,000 yen involve specific additional requirements and the remitter shall comply with prescribed procedures of Metrobank-Japan. There may be a case where supporting documents are requested to be submitted for verifying the source of the remitted funds and the purpose of remittance as for remittances exceeding 1,000,000 yen.
    • In addition to the preceding Paragraphs, comply with any other requirements as prescribed by Metrobank-Japan.
  1. The remitter shall pay the amount of the remitted funds, charges (including other banks’ fees) and other expenses that may be incurred (hereinafter "funds for remittance"). Metrobank-Japan shall not accept any securities such as checks as
    payment method of the funds for remittance.

Article 5 Overseas (Foreign) Remittance Entrustment Contract and its Cancelation

  1. Overseas (Foreign) Remittance Entrustment Contract (hereinafter the "Contract ") shall be deemed to have been in force when Metrobank-Japan have accepted request for overseas (foreign) remittance and received the funds for remittances.
  2. In compliance with the above mentioned Contract, Metrobank-Japan shall provide the remitter with a "Statement of the Overseas Remittance" (the "Statement") after having implemented requested overseas (foreign) remittance.
  3. Even after the Contract was in force, Metrobank-Japan is allowed to cancel the Contract should any of the following conditions occur prior to its implementing requested overseas (foreign) remittance and shall not be responsible for any losses or damages caused by such cancelation :
    • Overseas (foreign) remittance is in violation of Law and Regulations of Japan or concerned country concerning foreign exchange such as being subject to an emergency suspension of transactions, etc.;
    • War, insurrection or freezing of assets or suspension of payments of Paying Bank (Payout Outlets inclusive) or Receiving Bank occurs or threatens to occur;
    • Other reasonable grounds such as the possibility of overseas (foreign) remittance being linked with crime or illegal activities;
    • The remitter fails to inform Metrobank-Japan of the required details of remittance even though the amount to be remitted exceeds 300,000 yen; or
    • In addition to the cases described above, other reasonable grounds that Metrobank-Japan may consider to warrant cancelation of the Contract.
  4. When any of the following conditions occurs and implementing requested overseas (foreign) remittance is considered to be inappropriate, Metrobank-Japan shall refuse the request for remittance or, upon giving notice to the remitter, cancel
    the Contract. The Contract is deemed to have been canceled when the notice of cancelation was sent to the registered name and address of the remitter regardless of whether such notice was actually received by the remitter.

    • When it was known that the remitter is a member or a previous member or has any relation to any of the following:
      1. Organized crime group (Boryokudan);
      2. Member of any organized crime group;
      3. Quasi-member of any organized crime group;
      4. Company related to any organized crime group;
      5. Corporate extortionist (Soukaiya), disreputable organization posing as a social movement (Syakai undo hyobou goro) or a group engaging in fraudulent, unfair or deceptive practices (Tokusyu chino boryoku syudan to); or
      6. Any other person related to these parties or any equivalent to any of these parties.
    • When the remitter committed or used any third party to commit any of the following acts:
      1. Violent demand;
      2. Undue demand beyond the legal responsibilities of the person to whom the demand was given;
      3. Threatening behavior or use of violent force regarding transactions;
      4. Damaging Metrobank-Japan's credit standing or obstructing its business by spreading false rumors or by use of fraudulent means or force; or
      5. Any other act equivalent to any of the preceding items.
  1. In case of Cancelation pursuant to the preceding two Paragraphs, Metrobank-Japan shall return to the remitter the funds for The remitter shall acknowledge receipt of funds on Metrobank-Japan’s prescribed documents. There may be a case identification document of the remitter is requested or guarantor if necessary and appropriate.
  2. Upon receipt of funds by the remitter and with the proper verification that the signature or seal on the receipt is identical to the signature or seal used for Application Form; Metrobank-Japan shall not be responsible for any losses or damages caused thereby.
  3. When Metrobank-Japan cancel the Contract pursuant to Paragraph 3 or 4 above, Metrobank-Japan shall not be responsible for any losses, damages or costs and expenses incurred by the remitter or any other party resulting from cancelation.

Article 6 Processing of Overseas (Foreign) Remittance

  1. When the Contract is in force, unless canceled pursuant to Article 5, Paragraph 3 or 4, Metrobank-Japan shall process a remittance without delay in accordance with the request for overseas (foreign) remittance defined in Article 4 (1).
  2. The transmission method for sending a Payment Instruction shall be determined at the sole discretion of Metrobank- Japan. Likewise, Metrobank-Japan shall also determine who shall be Receiving Bank, unless specifically designated by the remitter.
  3. In the following circumstances, Metrobank-Japan may select Receiving Bank as it deems appropriate in lieu of those designated by the remitter, and shall promptly inform the remitter of such selection(s):
    • Metrobank-Japan deems it impractical to follow the designation by the remitter; or
    • Excessive costs for the remitter or delays in remittance if transmitted through the designated bank of the remitter and Metrobank-Japan deems that there is other appropriate Receiving Bank.
  4. Metrobank-Japan shall not be responsible for any losses or damages caused by its selection pursuant to the preceding two Paragraphs

Article 7 Undelivered Overseas (Foreign) Remittances

  1. When the remitted funds could not be credited to the beneficiary's account due to discrepancy in instructions received by Metrobank-Japan or non-claim of remitted funds from the beneficiary or due to any other reason, Metrobank-Japan shall
    credit back the funds for remittance to the remitter’s account with Metrobank-Japan.
  2. In case the remitter does not have an deposit account with Metrobank-Japan, Metrobank-Japan refunds the funds for remittance after having received prescribed document from the remitter.
  3. In the events described in the preceding two Paragraphs, Metrobank-Japan shall not be responsible for any losses, damages or costs and expenses incurred by the remitter.

Article 8 Charges and Expenses

  1. At requesting for overseas (foreign) remittance, the remitter shall pay the prescribed charges, including other banks’ fees and other expenses that maybe incurred. Additional fees and charges, if any, may be required to be paid by the remitter
    at a later date.
  2. When Metrobank-Japan receives a request for an inquiry, amendment or cancellation by the remitter, the remitter shall pay certain charges and expenses, as prescribed by Metrobank-Japan and the Receiving Bank, as set out below:
    • inquiry charges;
    • amendment charges;
    • charges for cancellation initiated by the remitter,
    • communication charges and postage; and
    • any other charges and expenses related to the inquiry, amendment or cancellation initiated by the remitter.

Article 9 Exchange Rates

  1. The foreign exchange rate applied for overseas (foreign) remittance is the one officially quoted by Metrobank-Japan at implementing requested overseas (foreign) remittance in case the funds for remittance received is in a currency other than the currency to be remitted.
  2. When refunding to the remitter the funds for remittance as provided for in Article 5, Paragraph 5; Article 11, Paragraph 3; Article 13, Paragraph 1, Item (3), the foreign exchange rate applied is the one officially quoted by Metrobank-Japan
    on the date of refund in case the funds for remittance received by Metrobank-Japan is in a currency other than the remitted currency. Any fees and charges as prescribed by Paying Bank, Receiving Bank and/or Metrobank-Japan shall be borne by the remitter

Article 10 Currency of Payment to the Beneficiary

In case the currency designated by the remitter for overseas (foreign) remittance falls under the following cases, the currency for payment to the beneficiary may be different from the designated one. The currency for payment, foreign exchange, charges, and other relevant items shall be subject to laws, regulations, customs and practices of the relevant countries, as well as certain procedures prescribed by Paying Bank (Payout Outlets inclusive) or Receiving Bank :

  1. the currency which differs from the currency of the country where Paying Bank (Payout Outlets inclusive) is located; or
  2. the currency which differs from the currency of the account of the beneficiary.

Article 11 Inquiries concerning Transaction Details

  1. When the remitter has any concerns about the remittance transaction such as non-payment to the beneficiary, the remitter shall promptly make an inquiry with the processing branch of Metrobank-Japan. Metrobank-Japan shall then conduct an investigation promptly and report the results to the remitter. There may be a case an application for inquiry is requested to be submitted by the remitter.
  2. In case of inquiries by Paying Bank (Payout Outlets inclusive) or Receiving Bank with respect to Payment Instruction, Metrobank-Japan may inquire from the remitter the details of the requested overseas remittance transactions. If the response is not received within a reasonable period of time or inappropriate response was received, Metrobank-Japan shall not be responsible for any losses or damages caused thereby.
  3. In the event that it becomes apparent that Payment Instruction could not be implemented due to reasons such as a refusal to execute by Paying Bank (Payout Outlets inclusive) or Receiving Bank, Metrobank-Japan shall promptly inform the remitter. If Metrobank-Japan receives any refund from Paying Bank or Receiving Bank, it shall immediately reimburse such amount to the remitter. The remitter in turn shall take necessary procedures for cancelation set out in Article 13.

Article 12 Amendments to Requests

  1. In case of the remitter's requesting for amendments to the original remittance after the Contact is in force , such amendment shall be processed in accordance with the following procedures:
    • When requesting an amendment, the remitter shall submit an application for amendment (the "Application for Amendment") affixed with the signature or seal identical to the signature or seal used for Application Form, the remitter may be required to provide a valid identification document or other documents as prescribed by Metrobank-Japan, and
    • Upon receipt of request for an amendment, Metrobank-Japan shall carry out necessary procedures without delay, such as issuing amendment instructions in accordance with the details of the Application for Amendment by selecting the transmission method which Metrobank-Japan deems appropriate; however, any amendment to the amount of remittance shall be handled as stated in the cancellation procedures set out in Article 13.
  1. In handling the Application for Amendment pursuant to the preceding Paragraph, the provision of Article 5, Paragraph 6 shall apply, mutatis mutandis. Metrobank-Japan shall not be responsible for any losses or damages caused by carrying out the necessary procedures as set out in Item (2) of the preceding Paragraph.
  2. Amendments provided for in this Article may not be completed due to reasons such as refusal by Paying Bank (Payout Outlets inclusive) or Receiving Bank, restrictions imposed by Laws and Regulations, and certain actions taken by governments, courts or other public authorities. In such cases, Metrobank-Japan shall not be liable for any loss, damage or delay as a result of its inability to complete the said cancellation; any fees or charges arising from this cancellation shall be borne by the remitter

Article 13 Cancellation Initiated by the Remitter

  1. In the event the remitter cancels a request for the original remittance after the Contract is in force , such request for cancellation shall be processed in accordance with the following procedures:
    • The remitter shall submit an application for cancellation (the "Application for Cancellation"), as prescribed by Metrobank-Japan, affixed with the signature or seal identical to the signature or seal used for Application Form. The remitter, upon request of Metrobank-Japan, shall (a) submit identification document There may be a case a guarantor is requested by Metrobank-Japan. In case of juridical person, the authorized representative registered may request such cancellation on behalf of the juridical person. In this case, the authorized representative shall submit Application for Cancellation, as prescribed by Metrobank-Japan, affixed with the seal used for Application Form and shall submit identification document of the authorized representative.
    • Upon acceptance of the request for cancellation in accordance with the preceding Item, Metrobank-Japan shall carry out the necessary procedures without delay, such as: issuing cancellation instructions in accordance with the contents of the Application for Cancellation,
    • When Metrobank-Japan received a refund relating to the canceled remittance from Paying Bank or Receiving Bank, in order for Metrobank-Japan to immediately return such amount to the remitter, the remitter shall submit a receipt or other documents (with the signature or seal identical to the signature or seal used for Application Form ); as prescribed by Metrobank-Japan. Furthermore, upon the request of Metrobank-Japan, the remitter shall submit identification document. There may be case guarantor is requested, if necessary and appropriate.
  2. With respect to the handling of the Application for Cancellation submitted for the cancellation of the original remittance, and the receipt or other documents required when the refund is returned pursuant to the preceding Paragraph, the provision of Article 5, Paragraph 6 shall apply, mutatis mutandis. Metrobank-Japan shall not be responsible for any losses or damages caused by carrying out the necessary procedures as set out in Item (2) of the preceding Paragraphs
  3. Request for cancellation provided in this Article may not be completed due to reasons such as refusal by Paying Bank (Payout Outlets inclusive) or Receiving Bank, restrictions imposed by Laws and Regulations, and certain actions taken by governments, courts or other public authorities. In such cases, Metrobank-Japan shall not be liable for any loss, damage or delay as a result of its inability to complete the said cancellation; any fees or charges arising from this cancellation shall be borne by the remitter.

Article 14 Contact for Notices and Inquiries

  1. In case Metrobank-Japan gives notice or makes an inquiry with regards to the overseas remittance transactions, the address and telephone number stated in the Application Form shall be used.
  2. If communication pursuant to the preceding Paragraph cannot be made due to incorrect information of the stated address or telephone number, an interruption of telephone service or other reasons, Metrobank-Japan shall not be responsible for any losses or damages caused thereby.

Article 15 Indemnity

Metrobank-Japan shall not be responsible for any losses or damages arising out of any of the following:

  1. Unavoidable events such as calamities, incidents, wars, accidents during transit, restrictions by Laws and Regulations, and certain actions taken by governments, courts or other public authorities;
  2. Any failure or malfunction of terminals, communication circuits, computers or other equipment; or any error or omission in the text resulting from such, which occurred despite reasonable security measures taken by Metrobank-Japan;
  3. (a) The customs and practices of the country in which Paying Bank (Payout Outlets inclusive) or Receiving Bank is located, (b) Certain procedures prescribed by Paying Bank (Payout Outlets inclusive) or Receiving Bank; or (c) Any other reason attributable to Paying Bank (Payout Outlets inclusive) or Receiving Bank other than Metrobank;
  4. Any reason attributable to the remitter, such as an incorrect beneficiary information;
  5. Messages from the remitter to the beneficiary;
  6. The relationship between the remitter and the beneficiary or a third party, on which the remittance is based; and
  7. Any other reason not attributable to Metrobank-Japan.

Article 16 Prohibition of Transfer or Pledge

The remitter shall obtain written approval from Metrobank-Japan prior to transfer or pledge, or allow a third party to use or exercise the remitter's rights in any manner, under any agreement with Metrobank-Japan.

Article 17 Handling of Customer Information

Metrobank-Japan may provide personal information collected from the remitter or information concerning transactions (hereinafter "Customer Information") to the Head Office or branches of Metrobank, or business entrustees provided & limited to operations
for preservation of such information or in the performance of its business relating to overseas remittance transaction. It may disclose Customer Information if required by Laws and Regulations, judicial proceedings and other legal proceedings,
or requested by government agencies. In addition to this Article, the handling of Customer Information shall be subject to the rules separately prescribed by Metrobank-Japan (Privacy Policy and Handling of Personal Information).

Article 18 Application of Agreement for Yen Savings Account

In case the remitter requested the funds for remittance to be debited from a deposit account, the transaction shall be handled in accordance with the said agreement.

Article 19 Governing Law and Jurisdiction

  1. Terms and Conditions for Overseas (Foreign) Remittance, other related agreements there under shall be governed by and construed in accordance with the laws of Japan.
  2. Tokyo District Court shall have exclusive jurisdiction over any and all lawsuits brought in connection with the matters arising under or related to Terms and Conditions for Overseas (Foreign)

Article 20 Compliance with Laws and Regulations and Procedures

In case any Laws and Regulations are not in conformity with these Terms and Conditions for Overseas Remittance, the former will prevail. In addition, matters not stipulated in the Terms and Conditions for Overseas Remittance shall be governed by the laws and regulations, customs, and practices in Japan.

Article 21 Amendment to Terms and Conditions for Overseas (Foreign) Remittance

In the event of changes in financial conditions or other circumstances, or any other reasonable grounds, Metrobank-Japan may amend any provision of Terms and Conditions for Overseas (Foreign) Remittance upon giving one month prior notice to the customer by appropriate method of notification, such as, but not limited, to posting of a written notification at its branches or posting on Metrobank-Japan homepage.

Article 22 Requests to Metrobank-Japan

When making a notice or request to Metrobank-Japan concerning overseas remittance, the remitter shall completely and accurately accomplish the form or document as prescribed by Metrobank-Japan and submit such form or document with the registered signature or seal of an authorized person with Metrobank-Japan. If Metrobank-Japan found out that the content of the notice or request received from the remitter is unclear, incomplete or inappropriate, Metrobank-Japan is authorized to decline such notice or request.

Article 23 Official Text

If any discrepancy occurs between the Japanese and the English versions of Terms and Conditions for Overseas (Foreign) Remittance, the Japanese version shall prevail. 31 July 2017 Revised

Specific Terms and Conditions for Easy Postal Remit Card Service


Easy Postal Remit Card Service (hereinafter "EPRC Service") shall mean the overseas remittance services provided by the branches of Metropolitan Bank & Trust Company in Japan (hereinafter “the Bank”) upon the request of the applicant (hereinafter "Remitter") facilitated only through a domestic bank transfer at Japan Post Bank. This shall be governed in accordance with the Terms and Conditions for Overseas (Foreign) Remittance (hereinafter "Terms and Conditions") and this "Specific Terms and Conditions for Easy Postal Remit Card Service" (hereinafter "EPRC Terms and Conditions").

If any discrepancy occurs between Terms and Conditions and EPRC Terms and Conditions, the latter shall prevail. If any discrepancy occurs between English and Japanese versions of EPRC Terms and Conditions, the latter shall prevail. This service is solely for Individual Remitters.

  1. Easy Postal Remit Card (a.k.a. Furikae Haraikomi Senyo Card and hereinafter “EPRC”) is a pre-embossed card issued by Japan Post Bank at the request of the Bank for its Remitters to use in transferring funds at ATMs of Japan Post Bank to the Bank for remittances to the Philippines. The use for EPRC shall only be through ATMs of Japan Post Bank.
  2. Only Remitters who have successfully completed the registration process for remittance can request for EPRC.
  3. Only registered beneficiaries of the registered Remitter may be elected for EPRC.
  4. Maximum of five (5) beneficiaries may be elected by the Remitter for EPRC.
  5. A specific EPRC shall be assigned to the elected & respective beneficiary of the Remitter and it cannot be interchanged with other beneficiaries or be used by any other Remitter; it is not transferrable.
  6. EPRC, upon successful election, shall be sent to the Remitter’s registered address via registered/regular mail.
  7. Types of remittances qualified for EPRC Service are credit to Metrobank Philippine Peso Accounts in the Philippines, Over the Counter (OTC) Philippine Peso payment at Metrobank Philippine Head Office and Branches, credit to Philippine Peso Accounts in other banks in the Philippines and Over the Counter (OTC) Philippine Peso payment at Cash Payout Centers in the Philippines.
  8. The Remitter may choose to replace an elected beneficiary by surrendering EPRC to the Bank and standard procedures for EPRC application shall apply.
  9. In case of cancellation, re-assignment or replacement of EPRC, the Remitter shall be required to fill out and submit the Maintenance Request for EPRC form together with a photocopy of the valid prescribed ID. A replacement fee of JPY 300 is required for the replacement of a lost or damaged EPRC. Replacement of a defective EPRC or replacement due to re-assignment shall be free of charge. The Remitter shall be required to surrender EPRC in case of cancellation, re-assignment or replacement of a defective or damaged EPRC.
  10. Domestic transfer charges/fees of Japan Post Bank shall be shouldered by the Remitter. Japan Post Bank charges/fees are subject to change in the future.
  11. At ATMs of Japan Post Bank, the maximum amount that can be transferred using EPRC inclusive of all the applicable transfer/remittance charges is JPY 100,000 (ex. JPY 100,000 transferred less JPY 339 as Japan Post Bank transfer charges and JPY 1,500 as the Bank remittance charge =JPY 98,161 net remittance amount).
  12. In case of remittance transactions amounting to more than JPY 100,000 (inclusive of remittance charges, etc.), the transaction must be made at Japan Post Bank teller’s counter with presentation of EPRC and the valid ID of the Remitter.
  13. Aggregation of fund transfers to combine into a single remittance transaction is not allowed (i.e. one fund transfer by EPRC = one remittance transaction).
  14. There is no limit to the amount for each remittance; however, confirmation of remittance details (the remittance purpose, source of funds and reconfirmation of the relationship to the beneficiary, among others) shall be required for remittances amounting to JPY300,000 and above. A transaction or aggregate transactions in one month amounting to JPY 1 million and above shall be subject to the Bank’s approval and the Bank shall require the submission of evidentiary documents for the source of funds. In addition, the Bank may require the submission of evidentiary documents for the source of funds, use of funds in the Philippines (purpose of remittance), etc. based on the Bank’s assessment regardless of the transaction amount.
  15. Cancellation of domestic fund transfer by the Remitter at Japan Post Bank counters is not allowed.
    The Remitter may apply directly to the Bank for the refund of implemented original overseas remittance subject to the submission of the Bank prescribed forms, ID copy, etc.; the amount for refund to the Remitter shall be limited to the amount returned to the Bank in Japanese Yen net of various operational charges.
  16. Service hours is from 08:00 to 24:00.
  17. Note: Payment to the beneficiary is dependent to conditions such as amount limit, business days/hours of Metrobank Head office processing unit, Metrobank Branches, receiving bank/beneficiary’s bank and/or payout outlets as maybe applicable.

  18. The prevailing exchange rate for the day (JPY - PHP) set around 10:30 by the Bank shall be used in processing the remittance. However, for processing on or before 10:00, the prevailing early morning exchange rate is applicable. The prevailing exchange & early morning exchange rate shall be posted at the Bank’s website.
  19. Note: Exchange rates to be applied to transactions may be changed by the Bank without prior notice, depending on the market fluctuation.

  20. The Remitter may choose to receive E-Statements (remittance statement sent via email) for EPRC Service by registering a valid email address with the Bank. Upon successful application, no printed remittance statement shall be sent. In case of unsuccessful delivery of the E-Statement or other reasons, the Remitter may change the registered email address upon informing the Bank thru the Bank’s website change of email address facility or submission of the Bank-prescribed form or other channels as may be prescribed by the Bank. Request may be done for the latest E-Statement to be resent to the newly registered email address. In addition, the Bank may send emails regarding promotions, advertisements, products, services, etc. to the registered email address. The request for E-statement shall apply to all remittance transactions of EPRC Service.
  21. The Bank reserves the right to suspend, cancel or terminate EPRC Service or hold the transferred funds of the Remitter at any time for any reason at its sole discretion and/or due to any of the following reasons ;
    1. In case the Remitter failed to comply with any necessary documentation requirements or failed to provide confirmation on required information in accordance to the Bank’s policy within a prescribed period of time set by the Bank.
    2. Unclaimed or undelivered EPRC Service Confirmation Document (sent by postal mail) for more than ninety (90) days from the issued date.
    3. Abuse in the usage of EPRC Service or failure of the Remitter to adhere to the Bank’s policies.
    4. Upon the occurrence of any of the following events, the Bank may immediately suspend, cancel or terminate EPRC Service without any prior notice.
      1. When the Remitter breaches EPRC Terms and Conditions or Terms and Conditions for Overseas (Foreign) Remittance;
      2. When the payment of all or part of the Remitter’s debts owed to the Bank is delayed;
      3. When a suspension of payment is ordered, or commencement of bankruptcy is known to the Bank;
      4. When inheritance proceedings for the Remitter commence;
      5. When the whereabouts of the Remitter become unknown to the Bank due to the Remitter’s failure to notify the Bank of a change of address;
  22. The Remitter may suspend, cancel or terminate his/her use of EPRC Service by giving prior notice to the Bank. The suspension of EPRC Service applies only to EPRC Service and shall not apply to cancellation or suspension of the Remitter’s various existing Bank accounts and other Bank services (e.g. Yen Savings Account, other Remittance Services).
  23. The Bank shall not be liable for the Remitter’s to use EPRC Service for any unauthorized actions or transactions using his/her EPRC, or for any other cause beyond the Bank’s control, such as, but not limited to, problems due to line problem, computer hardware or software (including viruses or bugs) or related/incidental problems that may be attributed to the services by Japan Post Bank, any other services provider or information service provider.
  24. The Bank may amend the service hours, charges and other contents of EPRC Service or EPRC Terms and Conditions at its sole discretion. The effective date of intended amendment shall be set out in the notification, with adequate transition period of more than one month.

Specific Terms and Conditions for Metrobank Easy Transfer Service (METS)


Metrobank Easy Transfer Service (hereinafter "METS") shall mean the overseas remittance services provided by the branches of Metropolitan Bank & Trust Company in Japan (hereinafter "the Bank") upon the request of the applicant (hereinafter "Remitter"), facilitated only through a domestic bank transfer to the bank account assigned to each beneficiary with MUFG BANK LTD (“MUFG”) Wakatake Branch, Sumitomo Mitsui Banking Corporation (“SMBC”) Tsubaki Branch or RESONA BANK LTD (“RESONA”) Heisei Daiichi Branch (herein after “Specified Local Bank Branch”) selected by the Remitter.

METS shall be governed by the Terms and Conditions for Overseas (Foreign) Remittance and this "Specific Terms and Conditions for METS" (hereinafter "METS Terms and Conditions"). If any discrepancy occurs between the Terms and Conditions for Overseas (Foreign) Remittance and METS Terms and Conditions, the latter shall prevail. If any discrepancy occurs between the English and Japanese versions of METS Terms and Conditions, the latter shall prevail.

  1. After successful application, a specific bank account with the Specified Local Bank Branch shall be assigned by the Bank for the elected beneficiary of the Remitter to be used in transferring funds only at domestic banks in Japan (ATM, bank counters or internet banking) for remittances to the Philippines.
  2. Available only for registered Remitters electing their registered beneficiaries. In case of joint accounts, all the names of the account holders must be registered. A maximum of five (5) beneficiaries may be elected for each Specified Local Bank Branch.
  3. The specific bank account with Specified Local Bank Branch cannot be interchanged with other beneficiaries or be used by any other Remitter; it is not transferrable.
  4. The specific bank account details (account number, etc.) with Specified Local Bank Branch, upon successful application and assignment, shall be sent to the Remitter by postal mail or received in person at the Bank counters.
  5. METS is only available for Philippine Peso remittances (credit to Peso Accounts and Cash Pick-up Anywhere Services including Over the Counter Payments).
  6. The Remitter may choose to replace an elected beneficiary or cancel METS by surrendering the assigned specific bank account number to the Bank using the METS Maintenance Request Form together with a photocopy of the valid registered prescribed ID and in case of replacements, application procedures for the new elected beneficiary shall apply.
  7. Re-activation of previously cancelled METS for the same beneficiary shall be subject to the approval of the Bank and shall require the submission of the METS Maintenance Request Form together with a photocopy of the valid registered prescribed ID.
  8. Service hours:

    • METS-MUFG
      • From 8:00 to 24:00 for funds transfer by Cash Card/Internet Banking (the Remitter's debiting his/her MUFG bank account), except for National holidays (including 2, 3 January) in Japan (hereinafter "National holidays"). No services on National holidays. Funds transfer on National holidays shall be processed after 8:00 on the next banking day (after the prevailing early morning exchange rate was set by the Bank).
      • From 8:45 to 18:00 for funds transfer by Cash at ATMs of MUFG except for Saturday, Sunday and National holidays. No services on Saturday, Sunday, and National holidays.
      • From 8:00 to 24:00 for funds transfer using/from banks other than MUFG except for National holidays. Funds transfer on National holidays shall be processed after 8:00 on the next banking day.
    • METS-SMBC
      • From 8:00 to 24:00 for funds transfer by Cash Card/Internet Banking (the Remitter's debiting his/her SMBC bank account), except for January 1, 2, 3 and May 3, 4, 5. Further, only up to 19:00 on Sundays. Funds transfer made on January 1, 2, 3 / May 3, 4, 5 and after 19:00 on Sundays shall be processed after 8:00 on the next banking day (after the prevailing early morning exchange rate was set by the Bank).
      • From 8:45 to 18:00 for funds transfer by Cash at ATMs of SMBC except for Saturday, Sunday and National holidays. No services on Saturday, Sunday, and National holidays.
      • From 8:00 to 24:00 for funds transfer using/from banks other than SMBC. Funds transfer on January 1, 2, 3 / May 3, 4, 5 and after 19:00 on Sundays shall be processed after 8:00 on the next banking day.
    • METS-RESONA
      • From 8:00 to 24:00 for funds transfer by Cash Card/Internet Banking (the Remitter's debiting his/her RESONA/SAITAMA RESONA bank account), except for January 1, 2, 3 and May 3, 4, 5. Further, only up to 22:00 on Saturdays and Sundays. Funds transfer made on January 1, 2, 3 / May 3, 4, 5 and after 22:00 on Saturdays and Sundays shall be processed after 8:00 on the next banking day (after the prevailing early morning exchange rate was set by the Bank).
      • From 8:45 to 18:00 for funds transfer by Cash at ATMs of RESONA / SAITAMA RESONA except for Saturday, Sunday and National holidays. No services on Saturday, Sunday, and National holidays.
      • From 8:00 to 24:00 for funds transfer using/from banks other than RESONA/ SAITAMA RESONA. Funds transfer on January 1, 2, 3 / May 3, 4, 5 and after 22:00 on Saturdays and Sundays shall be processed after 8:00 on the next banking day.

        Note: Payment to the beneficiary is dependent to conditions such as amount limit, business days/hours of Metrobank Head office processing unit, Metrobank Branches, receiving bank/beneficiary’s bank and/or payout outlets as maybe applicable.

  9. The prevailing exchange rate for the day (JPY - PHP) set around 10:30 by the Bank shall be used in processing the remittance. However, for processing on or before 10:00, the prevailing early morning exchange rate is applicable. The prevailing exchange & early morning exchange rate shall be posted at the Bank’s website.
    Note: Exchange rates to be applied to transactions may be changed by the Bank without prior notice, depending on the market fluctuation.
  10. The minimum amount per remittance is JPY 1,000. Confirmation of remittance details shall be required for transactions amounting to JPY 300,000 to below 1 million such as, but not limited to, the remittance purpose, source of funds and reconfirmation of the relationship to beneficiary, amongst others. Transactions amounting to JPY 1 million and above shall be subject to the Bank’s approval and shall require the submission of evidentiary documents for the source of funds as may be prescribed by the Bank. In addition, the Bank may require the submission of the evidentiary documents for the use of remittance funds in the Philippines (Purpose of remittance).
    Note: Remittances amounting to JPY 300,000 and above shall only be processed during banking hours of the Bank after the confirmation of remittance details was given to the Bank. In case the total/aggregate remittances amount to JPY 1 million and above within a 30 day period, the remittance shall only processed during banking hours of the Bank subject to the Bank’s approval and shall require the submission of evidentiary documents for the source of funds as may be prescribed by the Bank.
  11. Aggregation of fund transfers to combine into a single remittance transaction is not allowed (i.e. one fund transfer = one remittance transaction).
  12. The Remitter shall shoulder the domestic transfer/furikomi charges of the Specified Local Bank and/or other domestic banks here in Japan used for fund transfer.
  13. The Remitter may choose to register his/her email address and enroll in the E-Statement using the Overseas Remittance Application Registration and Declaration or thru other channels as may be prescribed by the Bank
    Upon successful application, the Remitter shall receive E-Statements (remittance statement sent via email) for every METS transaction and will no longer receive printed remittance statement by postal mail.
    In case of unsuccessful delivery of the E-Statement or other reasons, the Remitter may change his registered email address upon informing the Bank thru the Bank’s website change of email address facility or submission of the Bank-prescribed forms or other channels as may be prescribed by the Bank. Request may be done for the latest E-Statement to be resent to the newly registered email address. In addition, the Bank may send emails regarding promotions, advertisements, products, services, etc. to the registered email address.
    This E-statement Service agreement covers all remittance transactions of METS, Quick Padala and Easy Postal Remit Card (EPRC).
  14. The Bank reserves the right to suspend, cancel or terminate METS or hold the transferred funds of the Remitter at any time for any reason at its sole discretion and/or due to any of the following reasons:

    1. In case the Remitter failed to comply with any necessary documentation requirements or failed to provide confirmation on required information in accordance to the Bank’s policy within a prescribed period of time set by the Bank.
    2. Unclaimed or undelivered METS Confirmation Document (sent by postal mail) for more than ninety (90) days from the issued date.
    3. Abuse in the usage of the METS services or failure of the Remitter to adhere to the Bank’s policies.
    4. Upon the occurrence of any of the following events, the Bank may immediately suspend, cancel or terminate METS without any prior notice:
      1. When the Remitter breaches this METS Terms and Conditions or the Terms and Conditions for Overseas (Foreign) Remittance;
      2. When the payment of all or part of the Remitter's debts owed to the Bank is delayed;
      3. When a suspension of payment is ordered, or commencement of bankruptcy is known to the Bank;
      4. When inheritance proceedings for the Remitter commence;
      5. When the whereabouts of the Remitter become unknown to the Bank due to the Remitter's failure to notify the Bank of a change of address; or
      6. When it is known to the Bank the remitter is a member or a previous member or has any relation of/to Anti-Social Forces.
  15. The Remitter may suspend, cancel or terminate his/her use of METS by giving prior notice to the Bank. The suspension of METS applies only to the METS and shall not apply to the cancellation or suspension of the Remitter's various existing Bank accounts and other Bank services (e.g. Remittance Services).
  16. The Bank shall not be liable for the Remitter’s use of METS for any unauthorized actions or transactions using his/her designated bank account/s with Specified Local Bank Branch, or for any other cause beyond the Bank’s control, such as, but not limited to, problems due to line problem, computer hardware or software (including viruses and bugs) or related/incidental problems that may be attributed to the services by the Specified Local Bank Branch, any other service provider or information service provider.
  17. The Bank may amend the service hours, charges and other contents of METS Terms and Conditions at its sole discretion. The effective date of the intended amendment shall be set out in the notification, with adequate transition period of more than one month.

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