EastWest Horizons Offers Up to 3.5% Gross Rate

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What Readers Should Know

EastWest Horizons’ Christmas Rewards Promo offers eligible new clients up to 3.5% gross annual interest through December 29, 2026. Qualification depends on enrollment, fresh funds, monthly balance requirements, and specified payment activities.

Key Takeaways

The promotion ends on December 29, 2026.
It is intended for qualified new-to-bank individual deposit clients.
Participants must maintain at least ₱100,000 in qualifying monthly average daily balance.
The maximum rate requires additional qualifying payment activities.
Rewards have a qualifying balance cap and are subject to withholding tax.

Qualified new clients must meet balance and activity requirements to receive the maximum promotional rate.

A year-end bonus can help cover holiday expenses or strengthen savings for a future goal. For eligible customers considering the latter, EastWest Bank’s Horizons Christmas Rewards Promo offers a conditional promotional deposit rate.

The campaign runs from October 19 to December 29, 2026. It is open to qualified individuals aged 18 and above opening their first deposit relationship with EastWest, enrolling in Horizons, and meeting the programme requirements.

Participants must place fresh funds in an eligible account, sign the enrollment form, and maintain a monthly average daily balance of at least ₱100,000. The maximum advertised rate is 3.5% per annum, gross, subject to completing additional activities.

The Maximum Rate Has Conditions

The bank’s mechanics specify a qualifying balance rate plus two activity-based additions:

Requirement: Maintain the required qualifying monthly balance; Gross annual rate: 3.00%
Requirement: Enroll and use a qualifying card auto-debit arrangement for monthly payments; Gross annual rate: Additional 0.25%
Requirement: Complete at least two successful EasyWay bill payments monthly, totaling at least ₱1,000; Gross annual rate: Additional 0.25%
Requirement: Maximum combined rate; Gross annual rate: 3.50%

The reward applies only up to ₱300,000 in qualifying monthly average daily balance. It is subject to 20% withholding tax.

“Per annum” means an annualized rate, not a 3.5% payout for the short promotional period. Simply depositing ₱100,000 does not automatically qualify someone for the maximum rate.

Personalized Banking Support

According to the supplied release, Horizons also offers access to Relationship Officers, investment specialists, preferred service lanes, and other banking benefits, subject to evaluation and approval.

For customers setting aside part of a bonus, the relevant decision is whether the required balance and monthly activities fit their plans.

Review the official Christmas Rewards mechanics and Horizons programme information before enrolling. EastWest can confirm account eligibility and how the reward will apply to a particular placement.

Reader Questions

Frequently Asked Questions

Who can participate?

Qualified adults opening their first EastWest deposit relationship, enrolling in Horizons, and meeting the promotion’s requirements.

What is the required balance?

At least ₱100,000 in qualifying monthly average daily balance, funded with eligible fresh funds.

Is the maximum rate automatic?

No. It requires meeting the balance condition and completing the specified payment activities.

Is 3.5% the payout for the promo period?

No. It is a gross annualized rate; actual rewards depend on the bank’s computation and applicable conditions.

Where can customers verify eligibility?

Through EastWest’s official promotion page or directly with the bank.

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About the Author

Gabriel

Introvert, wanderer, blogger, foodie, a hip-hop music writer, and one of the co-founders of a tech start-up company called GigsManila.

Key Takeaways

The Maximum Rate Has Conditions

Personalized Banking Support

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