How Do You Enroll Online?

Last updated: April 12, 2024
Written by: Digido Financial Writers Team | Reviewed by: Anna Kireeva

Key takeaways:

  • You must have an SSS-accredited bank account to have your benefits credited by the time you retire.
  • If you don’t already have a bank account, open one with an SSS bank.
  • You can also apply for a loan from Digido.
  • You should be able to get your money within 24 hours.
How much money do you need?
10 000
min ₱ 1 000
max ₱ 10 000
You will have to return*: 10 000
All your data is under secure protection!
*Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval

Who can get a Digido loan?

You are 21-70 years old
You are a Filipino citizen
You have a valid government ID

In the old days, the Social Security System of the Philippines (SSS) handed out cash to recipients or beneficiaries. This changed to checks, and now, to bank transfers. It is imperative that you have an SSS-accredited bank account so they can transfer your benefits by the time you retire.

We are sure that you have many questions about this, so we will clarify as much as we can today. At the end of this tutorial, you will know what the process is, how to enroll online your bank account, and what alternatives you can do in case your financial disbursement is delayed.

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What is Bank Enrollment in SSS?

SSS already stopped the distribution of funds through cash or checks. Before you receive your benefits, you have to enroll bank account in what is called a PESONet network. This process is far more efficient than having to go back to the SSS office to get your check.

The SSS bank account enrollment is a mandatory process for the following types of loans and benefits:

  • Salary loan;
  • Calamity loan;
  • Unemployment benefits;
  • Retirement benefits.

Once your documents and application have been approved, SSS will transfer the funds to your bank account – they will no longer ask you to come back to get a check.

Getting a check is tedious – you have to deposit the check to a bank account that accepts SSS checks, which means you have to open a bank account in that facility or ask them to encase it for you and you have to wait for 3 days.

On some occasions, you may even lose your cash on your way home. With a bank transfer, your money is safe. All you need is your ATM card to access it. Another benefit is that most ATM cards today are also debit cards. What this means is that you can use the cards to make online purchases.

Now that you know what bank enrollment in SSS is, let us move on and show how do you enroll.

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How to Enroll your Bank Account in SSS online?

So, how do you get this done?

Below are the steps on how to do the SSS bank enrollment online.

  • Step 1: Go to the SSS website – what you want to do in this step is to enroll your bank account. Just click on the MEMBER button to get it started.
  • Step 2: Log in to your account; if you have no account yet, make one. If you make an account, you need to have your SSS ID or your SSS bank account number. You also need a valid email address.
  • Step 3: Enroll – find the link that says Disbursement Account Enrollment Module under E-SERVICES.
  • Step 4: Add bank – choose a bank name under the drop-down list, then type your bank account details. Be aware that not all banks participate in this program. If your bank is not a part of it, then you have no other choice but to open a bank account in any bank that is part of the SSS disbursement program.
  • Step 5: Confirm the email – SSS will send an email to you; click the link from that confirmation email to complete the process.

Once this is completed, you can now apply for any loan or retirement compensation from SSS. Wait for further instructions and the organization will disburse your funds directly to your bank account.

Apply now

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List of PESONet Accredited Banks in SSS

An SSS accredited bank is what you need before you can enroll. There are many banks in the Philippines, but not all of them are participating in this SSS program.

    Here is a list of the banks that you can enroll in SSS:

  • BPI;
  • Banco de Oro;
  • Maybank;
  • Asia United Bank;
  • Bank of Commerce;
  • Standard Chartered;
  • Security Bank;
  • Unionbank;
  • Veterans Bank;
  • Metrobank PNB.

Surely, the organization can choose to add an SSS accredited bank payment center if they choose so. This list is not exhaustive, so you have to check the SSS website if you ever want to enroll. Hopefully, SSS will also consider non-banking institutions such as PayPal and GCash in the future.

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What is the purpose of bank enrollment in SSS?

The purpose of the program called My SSS Account Bank Enrollment is to make disbursement easier and safer. Before the internet appeared, people had had to go to the SSS office to get cash, which could get lost, and some people had received a check.

The problem with a check is that there is a clearing period or time. You have to go to the bank before this time so you can encash your check. If the check is not encashed but deposited instead, it has a clearing period of 3 days.

All these waiting times are now eliminated. The bank transfer can now happen at the backend, and your money will now be in your bank account. The bank transfer is also automatic or scheduled, so this means that your monthly retirement funds will not be delayed.

Why do you need to enroll in your bank account?

You have to enroll in your bank account, so SSS knows where to deposit the money. If you do not do this, you are only prolonging the process. You will have to go to the office and ask for a check, but there will come a time when SSS puts this to a stop and you have no option but to open a bank account.

There are ways on how to change a bank account in SSS if ever you want to do this. Just go to the SSS website to start the process. You also have the option to go to the SSS office if this is more feasible for you.

Popularity of Online Services in the Philippines during ECQ

When the COVID-19 pandemic hit, the world came to a standstill. If there is anything good that came out of it, it is the fact that many government offices were forced to create online systems to be able to continue providing services.

This is great because it significantly reduces the number of people who have to go to government offices. Only those that do not have access to the internet would go to the office physically to process their loans.

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Fast Online Loans from Digido

If you are short in cash, you have the option to apply for a loan from a bank. You cannot rush SSS to prove your benefit, especially in a time of calamity where there are so many victims who need help.

The problem with banks is that they have exorbitant interest rates. The best alternative that we can recommend to you is to apply for a loan from Digido.

Digido is a private loan company that caters to those who need funds really quickly. Here, you can get approved for a loan in as soon as 24 hours. Here are the eligibility requirements:

  • You must be between 21 and 70 years of age;
  • You must be a Filipino citizen;
  • You must have a mobile number that works.

If you meet these requirements, you have to register at the website. We only require 1 government valid ID!

The good thing about Digido is that you do not have to go to the office: there is no physical presence required. After you get approved, they will send the funds to you in the most convenient way possible for you, and you can also pay what you owe online. To get a fast online loan  choose the amount you need on the calculator below:

I want to borrow ₱ 10000
Min: ₱ 1000
Max: ₱ 20000
Payment Terms 10 days
7 days
21 days
My Monthly Gross Income ₱ 20000
You return*: 10 000
All your data is under secure protection!
We recommend taking a loan!

* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

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Since SSS is a government office, it is easy to find PESONet accredited banks of SSS. Just take the time to browse the SSS website for more details.

What they did here is great – it is now more convenient and even safer to get funds from SSS. If you are a retired individual, there is no need to go to the SSS office every month to get your retirement benefits.

If you do not have a bank account yet, you will have to open one and then comply with the SSS bank enrollment module. While you are doing this, do not forget that you can apply for a loan from Digido – you can have money in 10 minutes or so while your cash disbursement from SSS is pending.


  • Can I enroll in another bank account in SSS?
    Yes, you can. There are many participating banks in SSS, the list of which we have provided above. We are sure that the government will be working with other financial institutions in the future to give more options to the SSS members.
  • Who can enroll in their bank accounts?
    Anyone who is an SSS member can enroll. Upon enrollment, SSS will also ask you about your SSS membership details, so you have to prepare them.
  • How can I check my enrollment Bank in SSS?
    Go to SSS website and click the Member button or go directly to SSS Portal Member Login link. Enter your User ID and password. Then, click the Submit button to go to your account. On the home page menu, select the E-SERVICES tab and click the Disbursement Account Enrollment Module option.
  • How do I sign into SSS mobile app?
    To start using the new SSS Mobile application, mobile users should log in using their existing My. SSS account's user ID and password.
  • Can I pay SSS online?
    You can now pay your SSS contributions and loan repayments online.
Disclaimer and Editor’s note


Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.
Anna Kireeva
Author pages:
Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.

Digido Reviews

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