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Average Bank Relationship Officer Salary in Philippines for 2026

A bank relationship officer in Philippines earns about 359,900 PHP a year. That's 33% below the national average of 535,800 PHP.

Pay ranges widely from country to country and from role to role. The lowest reported salaries in Philippines sit around 163,800 PHP a year, while the very top stretches to 568,500 PHP. Everything on this page is in Philippine peso (PHP, symbol ₱), which lets you compare numbers like-for-like without worrying about exchange rates.

The numbers here are pulled together from official government wage data, large independent salary surveys, and aggregated worker-reported pay. Most reported salaries include the benefits that are common in Philippines, such as housing or transport allowances, which is worth keeping in mind if you're comparing against a country where those are usually paid on top.

How much does a bank relationship officer make in Philippines?

Average salary
359,900 PHP
29,991 PHP per month
Lowest reported
163,800 PHP
13,650 PHP per month
Highest reported
568,500 PHP
47,375 PHP per month

A typical bank relationship officer working in Philippines brings home around 29,991 PHP a month before tax. Entry-level pay starts near 163,800 PHP, and the top of the ladder reaches roughly 568,500 PHP for the most experienced and specialised people in the role.

The wide gap between low end and top end reflects how much pay can vary inside the same job title. A junior bank relationship officer working at a small local employer earns very different money from a senior at a multinational. Skills, employer, city and years in the seat all push the number around.

How bank relationship officer pay ranges in Philippines

A good way to think about salary in Philippines is to look at the distribution rather than the headline average. Half of all bank relationship officers in Philippines earn less than 385,300 PHP a year, and the other half earn more. That middle number is the median, and it is usually more useful than the average for answering "is my pay normal here".

Looking at the quartiles fills in the picture. A quarter of earners take home less than 247,800 PHP (the 25th percentile), and a quarter clear 518,300 PHP (the 75th percentile). The middle 50% of bank relationship officers sit somewhere inside that band, which is where the typical reader of this page probably lives.

The very lowest reported salaries sit around 163,800 PHP. The highest stretch to 568,500 PHP, though only a small fraction of earners ever reach that level. If you are deciding whether your own offer or current pay is reasonable, work out which of those four bands you would fall into and use that as your reference point.

163,800
Low
385,300
Median
568,500
High
247,800
25th
518,300
75th
The middle 50% sit between the 25th and 75th percentile Tails are the lowest and highest reported All figures in PHP

Bank relationship officer pay by experience in Philippines

Years of experience is the single biggest lever on pay for a bank relationship officer in Philippines, ahead of education and almost any other single factor. The longer you have been in the role, the more your employer can trust you to handle complexity, mentor others and act independently, all of which command higher pay. The chart below shows how the typical bank relationship officer salary changes as you move through the career ladder.

  • 0-2 Years
    187,300 PHP
  • 2-5 Years
    +34% from previous
    251,500 PHP
  • 5-10 Years
    +47% from previous
    369,900 PHP
  • 10-15 Years
    +22% from previous
    451,000 PHP
  • 15-20 Years
    +9% from previous
    491,000 PHP
  • 20+ Years
    +9% from previous
    533,100 PHP

The single largest jump on the ladder is from 2 - 5 Years to 5 - 10 Years, where pay rises by about 47%. That is the point at which a bank relationship officer typically goes from "competent in the role" to "the person other people in the team learn from", and the market pays well for that step.

Bank relationship officer pay by education in Philippines

Education sits alongside experience as one of the biggest factors driving bank relationship officer pay in Philippines. Higher qualifications consistently pull higher salaries, but the size of the gap tends to be smallest at junior levels and widens as people move up. Two people in the same role with the same years of experience but different degrees can end up earning very different money once they reach mid-career.

Below is the average bank relationship officer salary in Philippines broken down by the highest level of education a worker has completed.

  • Certificate or Diploma
    212,500 PHP
  • Bachelor's Degree
    +58% from previous
    335,100 PHP
  • Master's Degree
    +68% from previous
    562,200 PHP

Bank relationship officer gender pay gap in Philippines

The gender pay gap is a stubborn feature of almost every labour market, and Philippines is no exception. Male bank relationship officers in Philippines earn an average of 384,200 PHP a year, while female bank relationship officers earn around 332,100 PHP. That works out to a 16% gap in favour of men, even when comparing people doing the same work.

A pay gap of this size has a real long-term cost. Over a typical thirty-year career it can add up to several years of pay, and it compounds through pensions, retirement contributions and bonus-linked stock. Some of the gap is explained by women being more likely to work part-time, take career breaks, or be steered toward lower-paying specialisations. Some of it is straightforward unequal pay for the same job, which is harder to defend.

Bank Relationship Officer gender pay gap

14%

Men earn this much more than women on average in Philippines.

Men 384,200 PHP
Women 332,100 PHP

Pay raises for a bank relationship officer in Philippines

Most countries hand out at least some kind of pay raise every year, typically when an employee's contract is reviewed or as a cost-of-living adjustment to keep wages roughly in step with inflation. The rhythm and size of those raises varies hugely between industries.

A typical worker doing this role in Philippines sees a raise of about 11% every 17 months, which works out to roughly 8% on an annual basis. That figure is the typical underlying rate; in years where inflation runs high you can usually expect a bit more, and in flat-economy years a bit less.

Across all jobs in Philippines, the national average raise is around 8% every 18 months.

By industry

Industries with the highest pay raises in Philippines:

  • Banking
  • Energy
  • Information Technology
  • Healthcare
  • Travel
  • Construction
  • Education

By experience level

Experienced workers tend to see larger raises. Retaining a senior is cheaper than replacing them, so employers fight harder for them.

  • Junior Level
    3% - 5%
  • Mid-Career
  • Senior Level
  • Top Management

Bank relationship officer bonus rates in Philippines

Bonuses are the other half of total compensation, and they vary a lot between jobs and industries. Some roles are paid almost entirely in base salary; others lean heavily on bonus structures tied to revenue, project completion or company performance. Whether a job pays a bonus, how big it is, and how often it lands all factor into whether the headline salary is actually a good offer.

56%

56% of bank relationship officers in Philippines reported a bonus of some kind in the past twelve months. That makes a bank relationship officer a moderate-bonus role overall, which is useful context when you're weighing up a job offer where the base is below market.

Among those who did receive a bonus, the size of the payment varied substantially. Reported bonuses ranged from 2% to 7% of base salary. The remaining 44% of bank relationship officers reported no bonus at all over the same period.

Which careers pay bonuses in Philippines

Revenue-facing roles tend to pay the biggest bonuses. Operational and support roles tend toward smaller, more predictable ones.

  • Finance
  • Architecture
  • Sales
  • Business Development
  • Marketing / Advertising
  • Information Technology
  • Healthcare
  • Insurance
  • Customer Service
  • Human Resources
  • Construction
  • Transport
  • Hospitality

Bank relationship officer: public vs private sector pay

Public-sector pay in Philippines is about 12% more than private-sector pay for similar work. The private sector typically offers stronger upside and bigger bonuses; the public sector typically offers better benefits and stability.

Public vs private pay gap

10%

Public-sector workers earn this much more than private-sector workers in Philippines on average.

Public sector 563,300 PHP
Private sector 504,300 PHP

Bank relationship officer salary by city in Philippines

Bank relationship officer pay is not even across Philippines. The chart below shows the highest-paying cities in the dataset, followed by the full location table.

  • Quezon City
  • Davao
  • Manila
  • Cebu
  • Kalookan
  • Antipolo
  • Pasig
  • Taguig
  • Paranaque
  • Cagayan de Oro
LocationTypeAverageMedianRange
Quezon CityCity467,700 PHP442,200 PHP247,800-714,600 PHP
DavaoCity437,900 PHP447,700 PHP214,000-683,800 PHP
ManilaCity424,900 PHP407,300 PHP218,900-650,800 PHP
CebuCity419,400 PHP419,400 PHP208,600-648,200 PHP
KalookanCity419,400 PHP409,000 PHP210,500-642,800 PHP
AntipoloCity417,200 PHP431,300 PHP197,600-652,200 PHP
PasigCity415,900 PHP442,200 PHP196,800-658,300 PHP
TaguigCity396,300 PHP426,700 PHP183,600-633,100 PHP
ParanaqueCity394,800 PHP385,300 PHP200,000-605,700 PHP
Cagayan de OroCity394,300 PHP378,800 PHP204,000-603,400 PHP
Las PinasCity382,600 PHP382,600 PHP192,600-595,300 PHP
ValenzuelaCity367,900 PHP339,100 PHP197,600-553,400 PHP
DasmarinasCity352,000 PHP330,700 PHP187,500-531,700 PHP
MakatiCity345,700 PHP353,600 PHP172,200-539,700 PHP

Bank Relationship Officer in Philippines: FAQs

  • How much does a bank relationship officer make per month in Philippines?

    A bank relationship officer in Philippines earns about 29,991 PHP a month before tax, based on an annual average of 359,900 PHP.

  • What's the salary range for a bank relationship officer in Philippines?

    Entry-level bank relationship officers in Philippines start near 163,800 PHP. Top-end pay reaches around 568,500 PHP. The middle 50% of earners sit between 247,800 and 518,300 PHP.

  • Is the median bank relationship officer salary in Philippines higher or lower than the average?

    The median is 385,300 PHP, higher than the average of 359,900 PHP. Half of bank relationship officers in Philippines earn below the median, half earn above it.

  • What's the gender pay gap for bank relationship officers in Philippines?

    Men working as a bank relationship officer in Philippines earn around 16% more than women on average (384,200 vs 332,100 PHP a year).

  • Do bank relationship officers in Philippines get bonuses?

    About 56% of bank relationship officers in Philippines reported a bonus in the past 12 months. Reported bonuses ranged from 2% to 7% of base salary.

  • Do bank relationship officers earn more in the public or private sector in Philippines?

    In Philippines, the public sector pays a bank relationship officer about 12% more on average. Public-sector pay tends to be steadier; private-sector pay tends to offer bigger upside.

  • How often do bank relationship officers in Philippines get a pay raise?

    A bank relationship officer in Philippines sees a raise of around 11% every 17 months, equivalent to roughly 8% a year.