Pag-ibig MP2 or SSS PESO? Which Is a Better Savings Scheme?

Updated March 5, 2018

Pag-ibig MP2 was launched in February 2010 as an enhanced Pag-ibig savings program for all Pag-ibig 1 members. SSS Flexi-Fund was launched in May 2002 as a savings program exclusively for OFWs.

In May 2015, SSS launched another savings program called PESO, which stands for Personal Equity and Savings Option, and this time, it is offered to all types of SSS members. There’s an age restriction though — only those younger than 55 years old can save with PESO.



Now, let’s compare the 2 savings programs available for local income earners, or non-OFWs — the Pag-ibig MP2 and SSS PESO.

Which is a better savings scheme? Pag-ibig MP2 or SSS PESO?

What are the same with MP2 and PESO?

1. Both are voluntary savings schemes.
2. Both are tax-free.
3. Both are guaranteed by the Philippine government.
4. Both offer interest rates higher than banks’ savings rates.
5. Both do not require monthly payments, meaning you are not penalized if you miss a monthly payment.
You do not lose your savings if you miss one or more monthly payments.
6. Both are offered to non-OFWs or OFWs who are Pag-ibig and SSS members.
7. Both require membership in their regular programs (regular Pag-ibig or regular SSS program).

What are the differences between MP2 and PESO?

1.  MP2:  The minimum monthly savings amount in MP2 is 500 pesos.
     PESO:  The minimum in PESO is 1,000 pesos.

2.  MP2:  MP2 allows you to save as much as you can. There is no maximum savings amount.
     PESO:  PESO imposes a maximum. The maximum savings amount in PESO per year is 100,000 pesos.

3.  MP2:  Before you pay your monthly savings with MP2, you need to pay at least 200 pesos to your regular Pag-ibig savings for the same month. This applies to Voluntary, Self-Employed or OFW members.
If employed, you need to pay at least 100 pesos. Your employer will do the regular Pag-ibig deduction and remittance to Pag-ibig.

     PESO:  Before you pay your monthly savings with PESO, you need to pay the maximum monthly regular SSS contribution, which is currently 1,760 pesos. for the same month. This applies to Voluntary, Self-Employed or OFW members.
If employed, you need to pay your regular SSS contribution based on your monthly salary credit. This means, your regular monthly contribution can be less than the maximum 1,760 pesos. Your employer will do the regular SSS deduction and remittance to SSS.

4.  MP2:  Before you register with Pag-ibig for MP2, you need to have paid at least one monthly savings to your regular Pag-ibig.
     PESO:  Before you register with SSS for PESO, you need to have paid at least 6 consecutive monthly contributions within the last 12 months prior to your month of registration.

5. MP2MP2 dividend rates from 2010 to 2017 ranged from 4.58% to 8.11%.
    PESO: The assumed fund growth rates for SSS PESO are 3.75%, 1.85% and 1.85% per year (may be higher or lower) for Retirement Account, Medical Account and General Purpose Account, respectively.

6.  MP2:  You can claim your total MP2 savings and dividends after 5 years. After claiming, if you like, you can apply for a new MP2 account and reinvest all or part of what you have just claimed as a one-time payment into your new MP2 account. You can continue to add to it and continue saving with it for another period of 5 years.
     PESO:  You are not allowed to claim all of your PESO savings after 5 years. You can withdraw only up to 35% of your total PESO savings after 5 years for your medical, educational, housing, and livelihood needs. The rest is allotted for your retirement, when you turn 60 or older. There are penalty and service fees for withdrawals within the 5-year retention period.

7.  MP2:  There is no maximum age limit set by Pag-ibig for MP2 registration.
     PESO:  SSS requires that you are younger than 55 years to register for PESO.

8.  MP2:  You register to get your MP2 account no. and use it when paying.
     PESO:  You use your SSS no. to pay your PESO savings.

9.  MP2:  You can apply for a new MP2 account after you have claimed your 5-year MP2 savings and dividends.
     PESO:  You can have only one PESO account.

So which is better? Pag-ibig MP2 or SSS PESO?
I think saving with Pag-ibig MP2 is easier and more practical for Voluntary and Self-Employed members. The SSS PESO requirement to pay the maximum monthly contribution, which is currently 1,760 pesos, is not affordable to many Individually-paying members.

In addition, the dividend rates for Pag-ibig MP2 since 2010 has been much higher than earning rates estimated for the SSS PESO.

The good thing about PESO, MP2 and Flexi-Fund is that there are now at least 3 options for individuals to save, especially for those who cannot afford to absorb the risks of investing in mutual funds, stocks, or other investment instruments.

Read related posts:

Compare SSS Flexi-Fund and Pag-ibig MP2


Add a Comment
  1. Hi Cynthia, yong sa MP2, makukuha mo lahat ng total savings mo (savings plus dividends) 5 years after date of first payment.
    Yong sa PESO, makukuha mo at age 60 (puedeng pension, lump sum or combination). If there’s a need, you can withdraw only from the medical/general purpose portion of your fund (which is 35% of your savings + dividends) — merong penalty if you withdraw within 5 years from start of savings.

  2. Is it means that upon my retirement, I’ll can get all the money i invested together with the interest or will they give it in an installment plan?
    Can I withdraw it when I reached 50 if ever I won’t continue it anymore?
    Looking forward. Thanks

  3. Hi Win, no, your salary loan interest will not affect your MP2 dividends. It is your Pag-ibig 1 which will be used to pay off your salary loan if you’re not able to pay your loan. Thank you very much for appreciating our blog.

  4. Hi Ms. Nora,

    Just wanna asked, what if I’m planning to get a salary loan from pag ibig and then open MP2 account. Does the interest of my salary loan will affect my dividends?

    Thanks in advance. This blog is very informative

  5. Hi Fely, yearly ang pag-credit nila ng dividends, so I think na if you have that amount of money, I suggest na ibayad mo na as payment for the current year (March to Dec 2018) para included na yang pera mo sa total savings mo by Dec 2018. Pag advance payment for 2019, palagay ko ipo-post lang nila in 2019, so sayang yong additional dividends for the year 2018.

  6. Hello, ask lang po, how about if advance payment sa mp2. For ex. You paid in advance jan to dec 2019, binayaran mo sya on dec 2018, mas malaki po ba ang interest? Thanks for the reply

  7. Hello Ms Nora,

    How do you check your savings account status or how much you have contributed so far?

  8. Mrs Nora ask lng Po nagapply Po ako ng MP2 pagibig Dito sa abudhabi embassy at sa ngaun Po ay naricive ko na Ang Ang along MP2 no. Pwd Po ba na Dito na ako magremit ng MP2 pagibig ko o sa pilipinas ? Then Kung sakali Po na Dito sa an ko Po ba Dito iaadress sa main Po ba ng pagibig or sa branch lng don sa lugar Namin ..kc un Po M1 ko ay don sa lucena city Ang Asawa ko Po Ang naghuhulog..Salam at Po.

  9. Hi Lailanie, yes, diretso na sa Pag-ibig ang payment for MP2. Make your first payment at the branch nearest your residence or work para doon sa branch na yan maipon ang MP2 records mo. Then ask them kung puede nang bayaran sa Bayad Center or other accredited collectors ang next payments. Dati kasi yong P1 lang ang puede. Baka nag-change na.

  10. Lailanie Marie V. Vergara

    Hello po. Nagregister po ako sa MP2 online, successful naman po ang registration at nagkaroon na po ako ng account number, ang question ko po is pwede ko ba xang bayaran personally at hindi na under sa employer ko?Im a public school teacher po. Ang P1 po samin ay automatically deducted po. Thanks.

  11. Hello Ms Nora,

    Paano ang computation ng saving? Nakita ko kase is kung 5k fixed monthly and yung divident nya is 6%, 49k yung naging tubo. Tinatry ko sya i compute and hindi ko makuha. Ano po bang formula ginagamit nyo?

    Thank you

  12. Hi Ms Nora,
    Tanong ko lang po kung magkakaron ba ako ng problema sa restructuring loan ko sa SSS if binayaran ko ng dalawa kada hulog? example 2017 to 2019 ako matatapos kase 2 years siya. Ang ginawa ko po kada buwan 2 ang bayad ko. So, kung naka 3months na ko ng hulog dapat magappear na anim na buwan ang katumbas pero nung nag verify ako sa SSS tatlong buwan lang daw po. Pano yun? Balak ko kaseng tapusin maaga ang loan ko.

    Thanks po sa reply.

  13. Hello maam, ang pag ibig mp2 po ba pwdng bayaran sa banko?.. or sa bayad centers?. Like sm bayad centers?..thanks

  14. Hi Nora,
    I’ve just started my MP2 today, I asked for MP2 number but the cashier said that I will be given only 1 number which is my MDN, is it okay? will my P1 and MP2 contributions will be separated if in case? or do i have to really request for another account number?

  15. mary rose arellano

    hi ms nora pwede po magtanong kapag nag loan ka po ba sa pag ibig paano po amg kaltas nya every month po ba yun/thnx po sa sagot

  16. Hi Ma’am Nora, ask ko lng po pwd po bang magbayad anak ko ng contribution ko using my name lng po. Kasi d ko po alam pagibig number ko. Pero nakapagbayad naman ako last year. Nung nagbayad kasi ako, name lng naman kasi pinasulat sa akin with my valid I.d. OfW po pala ako. Tnx! vvian

  17. Hi Nora. :)I am not sure if my employer is updated with my Pag-ibig contributions, will I be able to apply for MP2?

  18. Helo po,ask ko lng requirements s mp2,and pano po ako magsisimula.
    Im owf po.

  19. Hi maam Nora,
    About po sa basic Pag-ibig account (P1), mawithdraw ba ang contributions natin sa P1? Alam ko po makaloan tayo, pero kelan po pede mawithdraw yong mga contributions sa pag ibig?

  20. Hi ms Nora.i have an existing MP2 account. Then i read in one’s blog that Mp2 could have more than one MP2 account? how can i apply for another account? will it not be conflicting with my first account?

  21. Hi Nora,
    Meron po bang paraan para macheck kung magkano na ang savings mo sa MP2? ano po ang requirements para makuha mo ang lahat ng savings mo after 5years?

  22. MP2 po.anu po ang mga requirements sa pagkuha ng pera pag nakatapos kna po ng 5years.tnx

  23. Hi ian, walang conflict, okay lang. Mas mabilis usually kasi ang posting ng individual payments kasi direct payments. Yong employers, meron silang schedules when to file.

  24. Hi ian, I think okay lang kung ayaw mapalitan online, kasi puede mo namang i-change mo later on sa branch using the data change form.

  25. Panu po ito? pagregister ko sa mp2 thru online,, previous employer po nkalagay hindi nman kac ma edit..ok lng po b ito??

  26. helo po madam/sir panu kung hindi updated pagbayad ng employer sa mp1?? at mging updated ako sa mp2?? my conflict po b yun??

  27. Hi, ask ko lang kung paano po transaction or payment kapag nasa ibang country, OFW po kasi ako.

  28. Hi olympia, yes, mas gusto nga ng Pag-ibig ang mas mataas na contribution. At siempre it will be all for your benefit kung malaki ang savings mo kasi mas malaki ang dividend rate ng Pag-ibig kesa bank savings account. Kung gusto mo yong 5-year term, puede ka ring mag-register sa Pag-ibig MP2. Yong Pag-ibig 1 contribution, makukuha mo at age 60 or after accumulating 240 contributions.
    Sa POEA ka ba unang nagbayad ng Pag-ibig 1 contribution kasi sabi mo 100 pesos ang initial payment mo? Pag-ibig MID na ba ang ginagamit mo na number?

  29. Hi nora, ofw po ako, nag member po ako sa atin 100 pesos po binayad ko. nagbyad po ako dto 2 months.pwde po bang taasan ang contribution? tnx po

  30. Hi Jhoan: Yes, puedeng hindi through employer ang MP2 kasi optional ito at merong mga employers na ayaw magpa-isturbo. Yes, after 5 years makukuha mo ang MP2 kahit meron kang housing loan. Ang nakakabit sa housing loan ay yong P1.

  31. Hi This Jhoan, kung meron akong Housing Loan pero gusto kung mag ipon sa MP2 program ng pagibig after 5 years pwede ko bang ma withdraw yung saving ko na MP2 saving program ng Pag Ibig at pwede ba na ako ang voluntary na mag bayad na hindi ko pakakaltasan sa employer ko.

  32. Hi Nora;

    tnry ko po ung online payment facility sa pag-ibig website. transactions went well. Program type “MONTHLY MANDATORY SAVINGS”. new member lng po ako ng pag-ibig. anu po ba e2. sa MP1 po ba napunta or sa mp2.

  33. Hi Victoria, sorry no. It’s only the mandatory contribution (P1) that you can pay through your credit card. But if you have a Globe GCash card, you can use it to pay your MP2. I’ll send you the link later, as Pag-ibig’s website is at the moment under maintenance.

  34. Can I pay my MP 2 online sa pagibig website?

  35. Hi Jonathan, yes, puede kang mag-register online sa MP2 registration page. Off ngayon ang Pag-ibig website so I cannot check the registration page. Yes, your wife can pay for you. It’s better that your wife pays at the branch nearest your residence para mas madaling mag-claim. Yong P1 ay puedeng bayaran sa Bayad Center or SM Business Center, pero itong MP2 ay hindi pa nila tinatanggap as of today. So sa Pag-ibig branch talaga binabayaran ang MP2

  36. Hello miss Nora.jonathan po.and2 po ako sa Saudi.pwede po ba magopen ng mp2 account online.tapos pano po yung payments.kc ung wife ko po syempre nasa pinas..sya nlng po ba maghuhulog ng payments..

  37. Hi Francis, so happy for you! So glad you’re saving and investing and tracking your investments. Wish there were more Filipinos like you. More power too!

  38. Hi Nora, thanks for the copy that you’ve sent to me! I just deposited the maximum payment per annum at SSS PESO Fund this week and I just want to make sure that everything is in order. Thanks again and more power!

  39. Hi Francis, all guaranteed earnings and excess earnings credited to PESO members’ accounts are not taxed, or in short, PESO earnings are tax-free. About the coupon payments: Since the SSS is a tax-exempt institution, all earnings gained by SSS from its investments, such as coupon payments, are tax-exempt.

  40. Hi Francis, management fee is 1% per annum, deducted from the member’s account every month-end after guaranteed earnings are credited. I’ll send you the enrollment form — the rules are on page 2 of the form — so you can compare PESO with your other investments.

  41. Hi jay, that’s a perfect explanation of that phrase! Thanks you very much! I’m so happy you shared what you know. Truly appreciative of your post. And you write very well. Thanks again 🙂

  42. With regards to “Guaranteed by the Philippine Government” it means that as long as there is a Philippine Government your money is safe even if they declare bankruptcy the gov’t will make a way to pay the members. Slim chance of not getting the investment not unless we will be invaded or occupied by another country.

  43. Also, what exactly is “tax free”? Does that include the coupon payments on securities the fund invests in? If the fund’s interest earnings are exempt from the 20% withholding tax, that is a big deal, and makes this different from a UITF/MF that invests in government securities.

  44. Hi Ms. Nora, I just want to ask on how much the SSS PESO Fund charge for management fees. Thanks!

  45. Hi Abegail, pareho silang savings schemes ng SSS, pero yong Flexi ay para lang sa OFWs at yong PESO ay puede both sa OFWs and local members. Kung OFW ka, mas maigi yong Flexi kasi meron itong additional earnings bukod sa dividends. Merong annual incentive bonus. Kung local member ka, sa PESO Fund ka puedeng mag-enroll.

  46. SSS Flexi Fund and P.E.S.O Fund are the same or have they have different concept? Thanks.

  47. Hi Ms. Nora,

    Pwede po ba na di ko na idadaan sa employer ko ung payment ko for SSS Peso Fund? Instead, ako na magbabayad sa SSS or bayad centers or banks or auto-debit na lng sa account ko?


  48. Thank for the helpful information 🙂

  49. Mark Steven Legpit

    hi. i’d like to ask. if saving on banks will have 1% to 2% interests rate. then what is the exact interest rate annualy when investing on mp2 and peso fund? does the investment made earn through compound interests? thank you.

  50. Thanks for this info! VEry helpful! 🙂

  51. hi! i am interested with miss poly question. what can you say about her question…thanks

    When it say “guaranteed by the Philippine government” does it mean na even malugi un SSS or Pag-ibig the whole amount of contribution mapapabalik sa member? Un kasi un worry ko sa mga mutual fund and other financial institutions there are risk. Base dun sa samputation sa website ng SSS, if i saved 2M, estimated earnings in about 500T, so magiging 2.5 in 20 yrs. What if malugi ang SSS, makukuha ko pa rin ba un buong 2M na nacontribute ko?

  52. Hi Bajoyjoy, was your MP2 number sent to you by Pag-ibig after you enrolled online with MP2? If yes, then that MP2 number is still your MP2 number. To be sure, you can email Pag-ibig and verify

  53. hi ms. nora, i enrolled for MP2 last Feb 11, 2014, and i just saw this form in my files yesterday. Meaning I was not able to pass the form to any PAGIBIG Branch in the Philippines and now I’m currently working abroad. Is the MP2Accont No. provided in form still applicable for me?
    Please advise.

  54. Hi November, yes, you can request your HR to collect and remit your MP2. If they refuse, that’s their right, as MP2 is optional — you will then pay your MP2 at your branch. For SSS PESO, there’s a special payment form for this savings scheme, so I think it might be better to pay this yourself at any SSS branch. It’s required that you have paid your regular SSS contributions for the month before your pay your SSS Peso for the same month. Bring your pay slip with SSS deduction, just in case. will get back

  55. Hi Nora,
    If I enroll on M2 and SSS peso, is it possible to arrange an automatic monthly deduction from my salary?

  56. Hi nogs, yes, you may skip months or a year. What you haved saved and what it has earned will remain in your account. There are no penalties or deductions. Make sure to add to your MP2 savings again as soon as you’re able to save.

  57. Hi,is it possible to skip monthly contribution for MP2 and make it a yearly amount?also what if you miss contribution for a year? Will it not affect your running contribution?

  58. Hi melay, yes, online banking would be very convenient for us if these systems are linked. Sad to say that payment for these are not yet offered through our banks’ online banking. Try to go over your bank’s list of merchants for bill payment and you can’t find them. Only regular SSS contributions can be paid through MP2 can be paid through GCash if you have this card. Here’s the instruction: Pag-ibig payments

  59. Hi Nora. Can i pay for MP2/PESO via online banking? will it be the same as paying for my electric bill where i just have to enroll it in my online account? This will be very convenient for people who can’t find time to go to BayadCenters. Thanks!

  60. Hi jang, thanks a lot for sharing info. This will help other OFWs. My post on Flexi-Fund is here:

  61. Hi Nora! for the information of OFWs,please include there that Flexi-fund has a minimum retention period of 1 year and they can partially withdraw their funds anytime and that they can save any amount but not less than 200 pesos on top of their regular contribution of Php 1,760. Thank you

  62. Hi Wilmer, thanks a lot for appreciating my blog. It’s a big encouragement for me. I’m glad that you’re saving a lot for your retirement and that now you want to save with MP2. Kudos to you. Based on comments online and personal experience, it’s easier and faster to withdraw MP2 than Flexi-Fund, so MP2 can be planned for use for real estate investment or kids’ college tuition after 5 years or 10 years.

  63. Hi Nora, Your blog is very informative and can be understood by many. I am an ofw working here in Laos. Despite the controversy haunting the SSS, I still pay the maximum monthly premium of 1760 pesos. I also paying the voluntary contribution to Pag Ibig which I made 1000 pesos monthly. Now that I know the advantages of MP2 over PESO and Flexi-fund, I am planning to open an account with MP2.

  64. Hi Dyesebel, if your husband is sure that his agency remitted his contributions to SSS, he can continue as voluntary, not self-employed, because he was an employee previously. You can pay for him at Bayad Center or SM Business Center. You can pay any amount based on the new SSS circular on increasing contributions. Of course, the higher the better. To be sure if his agency remitted his contributions, he can visit the nearest SSS branch and verify his contributions. After paying as voluntary (wait for 3 days to allow time for posting), he can enroll in online SSS so he can track his contributions.

  65. hi Ms. Nora! my husband stopped working as security guard last 2007. since then he did not work due to some health concerns. and because of this, he failed to continue to give his sss contribution. i would like to continue as s self employed. is that possible, will there be penalties?


  66. hi Ms Nora

    When it say “guaranteed by the Philippine government” does it mean na even malugi un SSS or Pag-ibig the whole amount of contribution mapapabalik sa member? Un kasi un worry ko sa mga mutual fund and other financial institutions there are risk. Base dun sa samputation sa website ng SSS, if i saved 2M, estimated earnings in about 500T, so magiging 2.5 in 20 yrs. What if malugi ang SSS, makukuha ko pa rin ba un buong 2M na nacontribute ko?

  67. Hi Pam, thanks for sharing useful information. Kudos to you for saving with MP2 and SSS Peso/Flexi-Fund.

  68. I asked PAGIBIG re: management fee. Good news, MP2 has no management fee. SSS PESO/Flexifund po has, based on experience.

  69. Thanks for providing the good points. I read on the SSS website that PESO charges management fees but did not provide how much. How about MP2? Would you know? I can’t find anything online.

  70. Hi Mariahyfe, here’s the SSS address in Dubai:
    Philippine Overseas Labor Office
    35 Beirut St. Extension
    2 Al Qusais 3, Dubai
    Phone: (971) 5621-23426
    Representative: Lydia E. Cabagnot
    But the savings program specially designed for OFWs is the SSS Flexi-Fund. Just fill up the OW-1 form. You can apply for this through email. Here’s info about the SSS Flexi-Fund.

  71. Hi ms Nora, good day. where we can apply SSS peso fund here in dubai. thank you.

  72. Hi Merille, because your status is Employed, you don’t need to pay the maximum in order to save with PESO. It’s only the individual payors (not Employed) that need to pay the maximum. During your registration (register in person with your IDs at selected SSS branches), you will know if you will pay PESO through your employer, or if you can pay separately. You can also ask your HR if there are already employees paying PESO through your company.

  73. What if my salary bracket is not the maximum in sss, that means i didn’t reach the maximum monthly contribution. do i need to pay for the difference (max monthly contribution-my monthly contribution remitted by my employer to sss) directly to sss in order for me to be eligible with SSS Peso? does this mean i only have mp2 as option for easier process?
    please enlighten me.

  74. Hi Weng, I’m glad you’re thinking about these things. If employers like BPOs are competing for talented employees, they can offer MP2 and PESO payment remittance as one of the benefits they can offer. But for other employers, obviously they prefer not being saddled with additional accounting/remittance tasks. Currently, there are no forms like collection lists for MP2 or PESO, so what employers will do, if they decide to collect/remit MP2 and PESO for employees, is to fill up individual payment slips and pay directly to the cashiers for each of their employees – a time-consuming task for them. For me, I prefer paying my own MP2 or PESO, since Bayad Centers are now in malls, and so I can increase/decrease my monthly savings any time I want. Thanks too and more power.

  75. Hi Ms. Nora, good day! I would like to know if employees should have the option to pay through their employers by payroll deduction. Since the contribution is not mandated for monthly payment, it will be tedious on the part of our employer to monitor and implement. What do you suggest to employers for both Pag-ibig MP2 and SSS PESO to support this govt program? Thank you and more power.

  76. Hi Lyn, yes, you can add your 50k to your MP2 account. You can spread it out as your contributions for Oct Nov and Dec 2015; anyway dividends are computed on an annual basis. Kudos to you for saving.

  77. Hi Ms Nora, May I ask for example im active member of Pag-ibig Modified 2 since November 2013 and im planning to add my extra savings say 50,000.00 is it possible? Thanks!

  78. Hi jovy, yes, surely you can continue. You can pay at Bayad Center or SM Business Center. Use your Pag-ibig MID no. If you forgot, you can email and ask your Pag-ibig MID no. If no Pag-ibig MID, register to get your Pag-ibig MID no.

  79. hello, can I continue paying my contributions to pag ibig? almost 2 yrs that I stopped paying. I’ve paid my contributions for almost 3yrs.

  80. Hi evangeline, PESO opened for applications last May at these SSS branches: Legarda, Diliman, Cubao, San Francisco Del Monte, Pasig-Shaw, Mandaluyong, Taguig, Makati-Gil Puyat, Alabang and Pasay-Roxas Boulevard. Other branches will offer this program soon. Bring your SSS ID or 2 valid IDs.

  81. evangeline de leon

    hello mrs Nora great day. when can we apply for sss peso fund?thank you. God bless

  82. Hi Ed, yes, you can pay MP2 using manager’s checks. Checks are made payable to PAG-IBIG FUND. There might be Pag-ibig collectors though that don’t accept cheques. Pag-ibig branches surely accept cheques. Thanks again for appreciating my blog.

  83. Hello Miss Nora. I just want to ask if I could pay my contribution in MP 2 using a managers cheque?I have opened an account for me and my wife recently because of the atractive rates they have compared to the banks.Thank you and more power to your website.

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