Pag-IBIG for OFW: contributions and MP2 in 2026

Quick answer

Pag-IBIG membership is mandatory for OFWs. You pay your own contribution, at least PHP 200 a month, and you can pay more to save more. You can also open an MP2 account, a separate voluntary savings program with a 5-year term and a minimum of PHP 500 per payment. You can do most of this online through Virtual Pag-IBIG.

Requirements

Your Pag-IBIG MID number. If you have none, see how to get your MID number.
A Virtual Pag-IBIG account. See how to register.
A valid ID, such as your passport.
Your employer's name and address abroad.
For MP2: your MID number and a payment method.

Steps

1
1. Regular savings (Pag-IBIG I)
- Register or update your membership. Register on Virtual Pag-IBIG to get an MID number. If you already have one from a job at home, keep it and update your category to OFW.
- Choose your monthly amount. The minimum for OFWs is PHP 200 a month. You can choose a higher amount.
- Pay. Pay online through Virtual Pag-IBIG or through a channel listed on the Pag-IBIG website.
- Check your record. Log in and view your contributions. Keep all receipts.
2
2. MP2 savings
- Enroll. Log in to Virtual Pag-IBIG and apply for an MP2 account. See how to apply for MP2.
- Save your MP2 account number. Each MP2 account has its own number.
- Pay. Pay at least PHP 500 each time, monthly or in one lump sum.
- Wait for maturity. MP2 matures after 5 years. Dividends are declared yearly and are tax-free.

Fees

Fees for Pag-IBIG for OFW: contributions and MP2 in 2026, 2026, as published by the agency. Source: Pag-IBIG Fund.
Item	Amount
Regular monthly contribution (minimum)	PHP 200
Regular contribution (higher amount)	Optional, you choose
MP2 minimum per payment	PHP 500
MP2 maximum	No upper limit for regular payments; large one-time amounts may need extra steps
Registration / MID number	Free

Processing time

MID number: often right away online.
Payment posting: a few working days.
MP2 enrollment: right away online.

Where to go

Online: Virtual Pag-IBIG and pagibigfund.gov.ph.
Abroad: Pag-IBIG overseas desks in some countries. Ask the embassy or the Migrant Workers Office (MWO, formerly POLO). See country pages.
In the Philippines: any Pag-IBIG branch.

Always confirm on the official website before you pay or sign anything.

Frequently asked questions

Is Pag-IBIG mandatory for OFWs?

Yes. The Pag-IBIG Fund Law (RA 9679) made membership mandatory for OFWs.

How much is the Pag-IBIG contribution for OFWs?

The minimum is PHP 200 a month. You can choose to pay more to grow your savings.

What is MP2?

MP2 is a voluntary Pag-IBIG savings program with a 5-year term. You can pay small amounts often or one big amount.

Can OFWs open more than one MP2 account?

Yes, members can open more than one MP2 account.

Can I withdraw MP2 early?

Early withdrawal is allowed only for certain reasons, and dividends may be reduced.

Can OFWs get a Pag-IBIG housing loan?

Yes, if you meet the required number of monthly contributions and other rules. Keep your payment records and proof of income. See our guide on remittance records for loans.