Pension question, Philippines
Can I withdraw my Pag-IBIG savings if I leave the Philippines?
Pag-IBIG Fund guarantees refund of a member's Total Accumulated Value (personal savings, employer counterpart, and dividends) only upon occurrence of a listed ground. Membership maturity after 20 years and 240 monthly membership savings is one ground; permanent departure from the country is a separate, earlier ground that also makes the member eligible for the refund.
What to do next
- Find your Pag-IBIG membership number on old payslips or letters.
- Note the date you left the Philippines for good.
- Run our free check to see which other countries may hold a pension in your name.
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Tell us where you worked. The free check shows which countries may hold a pension for you, and which can be ruled out and why. No sign in, no charge.
Run the free checkQuestions people also ask
What does the Pag-IBIG pot hold?
Pag-IBIG holds a separate pot: member savings, employer counterpart and dividends, maturing at 20 years and 240 monthly savings.
- Source: sss.gov.ph and milanpcg.dfa.gov.ph, read 4 October 2026
Do you give advice on what to do?
No. We identify where a pension is likely held and the official route to it, and we name each source with the date we read it. We do not give financial, tax or legal advice.