Today, everything happens instantly, from quick messages to same-day deliveries. People now expect their banking to keep up. For many Filipinos, the question isn’t whether to bank online, but how easily it fits into their everyday routines.

Sterling Bank of Asia (SBA) is keeping up with these changes by improving its Personal Online Banking platform. It’s built for speed, security, and simplicity, while still focusing on personal service.

The New Standard: Fast, Secure, and Always Accessible

Digital banking has become a necessity, not just a convenience.

With Sterling Bank Online - Personal, clients can:

• Check balances and monitor transactions in real time.

• Transfer funds across accounts and banks.

• Pay bills anytime, anywhere.

• Manage finances without visiting a branch.

You can pay your bills during lunch or transfer money late at night. The platform makes sure banking is always available when you need it.

As more people worry about online security, SBA protects its systems with several layers of security that comply with the standards set by the Bangko Sentral ng Pilipinas (BSP). This helps give users confidence in every transaction.

Designed for How Filipinos Bank Today

Filipino customers are using more digital services, but they still want trust and reliability. SBA brings these together by offering easy-to-use online tools along with the support of a bank that values relationships.

The platform is built to support everyday financial habits:

• Sending money to family

• Managing monthly expenses

• Tracking savings goals

• Paying bills without long queues

It’s practical, efficient, and built for real-life needs, not just a list of features.

Banking That Moves at Your Pace

SBA stands out because it knows digital banking should be easy, not complicated.

Personal Online Banking keeps things clear and simple, so everyone can use it easily, whether they’re new to online banking or have used it for years.

If you ever need help, you can count on SBA’s branches and customer service. Behind every online transaction, there’s a team that cares about building relationships.

Part of a Bigger Digital Shift

More people in the Philippines are using digital payments and online banking as habits change and the economy becomes more connected. SBA continues to invest in its online banking platform to stay up to date and meet these new needs.

Most importantly, this helps more Filipinos access banking and supports financial inclusion.

Simple. Secure. Always Within Reach.

At its heart, Sterling Bank of Asia’s Personal Online Banking is about making daily banking simpler, not just adding more features.

Because today, banking isn’t something you schedule, it’s something that should move with you and with Sterling Bank Online - Personal, it already does.

In today’s highly competitive market landscape, having easy access to funding is a key factor in ensuring the success of any growing business. Entrepreneurs need the confidence that they can readily obtain financing through banks, allowing them to take advantage of opportunities in the marketplace and support sustained business growth.

As one of the country’s leading thrift banks that provides various business solutions to its clients, Sterling Bank of Asia (SBA) has pledged its support to help small and medium enterprises thrive in the ever-competitive marketplace.

SBA offers a wide range of business loan products that cater to the different needs of its customers, ranging from startups to established enterprises. 

Are you an entrepreneur or business owner looking to take your company to the next level and in need of financial support? Here is a list of banking products that are available to you.

Term Loan

1. For working capital requirements. This is short-term revolving credit that allows for staggered or full loan availment. Monthly principal amortization and interest payments are required.

2. For capital expenditures. This type of loan provides a lump sum of cash upfront to finance acquisitions of properties, plant and equipment, and the construction of buildings, warehouses, and production facilities. Repayment is fixed over a specific period/term. It requires amortization of principal on top of making regular/monthly interest payments. Repayment period ranges from one to five years. This will require projections to be prepared by the borrower/applicant.

Trade Check Discounting

Check discounting is a bank product that will help finance your short-term funding requirements. Post-dated checks held by the borrower/applicant are surrendered to the bank in exchange for cash. Appropriate fees and interest will be deducted from the loan proceeds.

Developmental Loan

This loan is for those who are planning to develop a real estate property intended for sale or to lease out to prospective tenants in the future. To apply for this loan, borrowers/applicants must provide a project study detailing the development costs and sources of repayment. This information will help determine the loan term and repayment structure to align with the expected cash flow.

Domestic Bills Purchase

This product is for borrowers/applicants who require immediate conversion of a dated check deposit into Cash on the same day the Bank waives the check-clearing period. Appropriate fees and charges will apply.

Letter of Credit or Bank Guarantee (Domestic/Foreign)

This is being issued by the Bank as a form of guarantee of payment to the beneficiary (supplier/seller) of the Bank’s client (buyer) for the latter’s purchase of goods and services.

Trust Receipt

Trust Receipt is used to settle an existing/open Letter of Credit (Domestic/Foreign). The Bank will advance payment for goods and services to the beneficiary (supplier/seller), in behalf of the borrower/applicant. The Bank will retain ownership of the goods and services, while the TR is outstanding. Borrower/applicant is required to make principal amortization and monthly interest payments.

Factoring of Receivables

This product converts the borrower’s/applicants’ trade receivables into cash, which can bridge finance funding gaps.

Choosing the right bank financing product is essential for your business’s success. We are confident that your business will reach its full potential with the appropriate loan funding. So, evaluate your funding requirements carefully and choose wisely from the different bank products. Rest assured that SBA is here, always ready and willing to help you meet your every need and goal.

 Visit the bank's business loans page to know more.

As the new school year approaches, every parent’s top priority is to provide the best education possible for their children. But with rising tuition fees and school-related expenses, many Filipino families face financial strain to keep up. Sterling Bank of Asia recognizes this concern and provides a practical financial solution through its accessible and flexible Personal Loan offerings.

Flexible Personal Loans Designed with Parents in Mind

Sterling Bank of Asia’s PERSONA Personal Loan is a reliable partner for financing your child’s education. Whether it’s for elementary, high school, or college tuition, SBA’s personal loan products are designed to offer:

• Affordable monthly payments
• Competitive interest rates
• Flexible loan terms of up to 36 months
• Quick and easy application process
• No collateral required

Why Choose a Personal Loan for Tuition Fees?

Paying tuition fees in full can be overwhelming, especially when combined with other household expenses. With SBA’s PERSONA, you can spread out the cost over several months, making it easier to manage your family’s budget without sacrificing your child’s academic journey.

Whether you’re facing tuition deadlines, school projects, gadgets, uniforms, or other academic expenses, Sterling Bank of Asia has you covered.

Give your child the education they deserve without the financial stress. Let Sterling Bank of Asia be your trusted partner in building a brighter future. Apply now and enjoy peace of mind as the school year begins.