Pag-IBIG MP2 Guide

Pag-IBIG MP2 Guide for Freelancers

Modified Pag-IBIG MP2 is one of the most popular investment plans offered by Pag-IBIG. In addition, this is another investment option for freelancers. 

Pag-IBIG is a financial institution in the Philippines that offers a wide range of savings and investment products.

Here are some things you need to know about this plan: 

What is Pag-IBIG MP2?

 Pag-IBIG MP2 is one of the most popular investment programs in the Philippines. Long established, it has already proven beneficial to many investors.

The advantage of investing in Pag-IBIG MP2 is that it offers investors a fixed rate of return. This means that you will get a specific rate of return on your investment no matter what happens in the market.

It also offers different investment options so you have more money management choices.

Key Features of Pag-IBIG MP2

  • Members can save for only P500 per remittance (as a minimum), making saving easy.
  • Dividends are higher than Pag-IBIG Regular Savings
  • The dividends are tax-free and can be withdrawn annually or after five years
  • Pag-ibig MP2 savings are guaranteed by the government

Advantages of Investing in Pag-IBIG MP2 

A Pag-IBIG MP2 investment has several advantages:

Flexibility: You can choose between an installment or lump sum payment scheme. The installment plan allows you to pay monthly, while the lump sum plan allows you to pay all at once. Your choice will depend on your budget and how quickly you need to save.

Competitive dividends rate: MP2 Savings earn higher dividends than Pag-IBIG Regular Savings Program dividends.

Dividends from Pag-IBIG Fund are credited proportionately to members’ Pag-IBIG Savings accounts at least seventy percent (70%) annually. As a result, saving more will result in higher dividends.

How to Invest in MP2? 

1. Pag-IBIG Member Enrollment 

 First, you need to be a Pag-IBIG member. To create an account, you can create your own Virtual online Pag-IBIG account or walk into any branch of the Pag-IBIG office.

To register online, visit this link and provide the required details. Fill in your name, email address, mobile number, and secondary mobile number. Also, you can create a username if you want to keep your information private or have multiple accounts with different purposes (e.g., personal and professional). 

After the mp2 enrollment process, you will receive a confirmation email from Pag-IBIG or  SMS notifications when there are important announcements from time to time.  

2. MP2 Enrollment 

To register Pag-ibig MP2 online, visit this link and provide the required details. To register, you must provide your Pag-IBIG number, last name, first name, and date of birth. You will then enter the code required you to provide to finish the registration. 

How to save in your MP2 account?

There are two ways to save in your MP2. Either you will save via your virtual Pag-IBIG or in any accredited collecting offices such as the following:


A. Non-banks:

B. Banks

  • United Coconut Planters Bank (UCPB)
  • Asia United Bank (AUB)


  • Debit/Credit Card powered by Visa & Mastercard and JCB Card
  • Pay by Maya (formerly PayMaya)


  • GCash
  • Moneygment powered by Cashpinas
  • powered by Bayad
  • Pay by Maya (formerly PayMaya)
  • ECPay
  • Users Journey – Lazada App
  • Shopee
  • SNDT Express


  • UCPB
  • AUB

The MP2 Savings is a special savings facility with a 5-year maturity. In addition to the Pag-IBIG Regular Savings, this saving facility is for Pag-IBIG Fund members who wish to save more.

The program is also open to pensioners and retirees who were former Pag-IBIG Fund members.

I hope this guide will help you with your Pag-ibig MP2 investment. Be wise with your hard-earned money. Happy Savings!

To learn more about Pag-IBIG MP2, visit this link.

1 thought on “Pag-IBIG MP2 Guide for Freelancers”

  1. Hi Coach Grace.

    Thank you for sharing this blog. As an OFW I used this Pag-big MP2 Program as one of my savings upon retirement. What is good about it is that it is only 5 years. You can roll it over or get it for future use like tuition fees for your kids, travel, business, etc. The dividend is higher too! Compared to banks’ interest rates per annum is very small. And as you have said, it is tax-free. Unlike banks’ investments, they will cut some percentage upon withdrawal. And it is safe and secure guaranteed by the government. No worry to keep your money in Pag-big MP2 than looking for a higher interest rate without security after years.

    My eldest daughter starts to work last Monday and I always remind her to save in this program. She already has the Pag-big fund regular savings (100php) and can avail of this Pag-big MP2 (500php). She can save extra money for her future use.


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