SSS Maternity Tool

SSS DAEM Disbursement Account Guide 2026

Check which payout route fits your SSS maternity benefit, see common PESONet banks, review GCash and Maya guidance, and fix pending or rejected DAEM enrollment.

Bank · E-wallet · RTC/CPO · Approval · Failed crediting

Check if your bank can be used for SSS DAEM

Type your bank name below. Examples: BDO, BPI, Metrobank, PNB, UnionBank, MariBank or SeaBank.

Search by current bank name or common name. SeaBank searches are matched to MariBank.

Not using a bank?

Check an SSS-documented e-wallet or the RTC/CPO payout category.

What payout options does DAEM support?

For maternity benefits released directly through SSS, the benefit is credited to an approved disbursement account enrolled in DAEM. SSS currently recognizes bank accounts, e-wallets and remittance/cash-payout channels for applicable benefit disbursement.

Bank

Select a PESONet Participant Bank in My.SSS.

E-wallet

SSS documentation specifically gives Maya and GCash as examples.

RTC / CPO

Remittance Transfer Companies / Cash Payout Outlets can be selected when offered by My.SSS.

Important: SSS contribution payment channels are not automatically DAEM payout channels. Do not assume that Bayad Center, ECPay, SM or another collection partner can receive your maternity benefit unless that option is actually offered in the current My.SSS DAEM enrollment screen.

Which banks can I use for SSS DAEM?

SSS instructs members to select a PESONet Participant Bank. The banks below appear in the current PESONet participant reference checked for this guide. Always confirm that your bank is still available in the live My.SSS DAEM dropdown before submitting.

Commonly searched banks

MariBank users: MariBank Philippines is the current name of the former SeaBank Philippines. It appears in the current PESONet participant reference. If you still think of it as SeaBank, search for MariBank in the live My.SSS DAEM list.

BDO Unibank, Inc. PESONet
Confirm final availability in My.SSS DAEM.
Bank of the Philippine Islands (BPI) PESONet
Confirm final availability in My.SSS DAEM.
Metropolitan Bank and Trust Company (Metrobank) PESONet
Confirm final availability in My.SSS DAEM.
Philippine National Bank (PNB) PESONet
Confirm final availability in My.SSS DAEM.
Rizal Commercial Banking Corporation (RCBC) PESONet
Confirm final availability in My.SSS DAEM.
Security Bank Corporation PESONet
Confirm final availability in My.SSS DAEM.
Union Bank of the Philippines (UnionBank) PESONet
Confirm final availability in My.SSS DAEM.
Land Bank of the Philippines (LANDBANK) PESONet
Confirm final availability in My.SSS DAEM.
China Banking Corporation (China Bank) PESONet
Confirm final availability in My.SSS DAEM.
East West Banking Corporation (EastWest) PESONet
Confirm final availability in My.SSS DAEM.
GoTyme Bank Corporation PESONet
Confirm final availability in My.SSS DAEM.
CIMB Bank Philippines, Inc. PESONet
Confirm final availability in My.SSS DAEM.
Maya Bank, Inc. PESONet
Confirm final availability in My.SSS DAEM.
MariBank Philippines, Inc. (A Rural Bank) PESONet
Confirm final availability in My.SSS DAEM.
Tonik Digital Bank, Inc. PESONet
Confirm final availability in My.SSS DAEM.
UNObank, Inc. PESONet
Confirm final availability in My.SSS DAEM.

Agribusiness Rural Bank, Inc.
Al-Amanah Islamic Investment Bank of the Philippines
AllBank, Inc. (A Thrift Bank)
Asia United Bank Corporation (AUB)
Australia and New Zealand Banking Group Limited (ANZ)
Bangko Kabayan, Inc. (A Development Bank)
Bangko Mabuhay (A Rural Bank), Inc.
Bangko Nuestra Senora Del Pilar, Inc. (A Rural Bank)
Bangkok Bank Public Co. Ltd.
Bank of America, N.A.
Bank of China Hong Kong Limited - Manila Branch
Bank of Commerce
Bank of Florida, Inc.
Bank of Makati (A Savings Bank), Inc.
Bank of the Philippine Islands (BPI)
Bayanihan Bank, Inc.
BDO Network Bank, Inc.
BDO Unibank, Inc.
Biñan Rural Bank
BPI Direct BanKO, Inc., A Savings Bank
Camalig Bank, Inc. (A Rural Bank)
Cantilan Bank, Inc.
Cathay United Bank Co., Ltd. - Manila Branch
Cebuana Lhuillier Rural Bank, Inc.
China Bank Savings, Inc.
China Banking Corporation (China Bank)
CIMB Bank Philippines, Inc.
Citibank, N.A.
City Savings Bank, Inc.
Cooperative Bank of Quezon Province
Top Bank Philippines, Inc. (A Rural Bank)
CTBC Bank (Philippines) Corporation
Deutsche Bank AG
Development Bank of the Philippines (DBP)
Dumaguete City Development Bank, Inc.
Dungganon Bank, Inc.
East West Banking Corporation (EastWest)
East West Rural Bank
Equicom Savings Bank, Inc.
First Consolidated Bank, Inc.
Gateway Rural Bank, Inc.
GoTyme Bank Corporation
Guagua Rural Bank, Inc.
Industrial and Commercial Bank of China Limited - Manila Branch
Industrial Bank of Korea - Manila Branch
Innovative Bank, Inc. (A Rural Bank)
JP Morgan Chase Bank, N.A.
KEB Hana Bank - Manila Branch
Laguna Prestige Banking Corporation (A Rural Bank)
Land Bank of the Philippines (LANDBANK)
LOLC Bank Philippines, Inc.
Malarayat Rural Bank, Inc.
Malayan Bank (A Savings Bank)
Maya Bank, Inc.
Maybank Philippines, Inc.
Mega International Commercial Bank Co., Ltd.
Metropolitan Bank and Trust Company (Metrobank)
Mizuho Bank, Ltd. - Manila Branch
Money Mall Rural Bank, Inc.
MUFG Bank, Ltd.
MVSM Bank (A Rural Bank Since 1953), Inc.
Netbank, Inc.
New Rural Bank of San Leonardo (Nueva Ecija), Inc.
OwnBank / Rural Bank of Cavite City, Inc.
Philippine Bank of Communications (PBCOM)
Philippine Business Bank, Inc.
Philippine National Bank (PNB)
Philippine Savings Bank (PSBank)
Philippine Trust Company
Philippine Veterans Bank
Producers Savings Bank Corporation
Queen City Development Bank, Inc.
Rang-Ay Bank, Inc. (A Rural Bank)
RBT Bank, Inc.
Rizal Commercial Banking Corporation (RCBC)
Robinsons Bank Corporation
Rural Bank of Angeles, Inc.
Rural Bank of Bacolod City, Inc.
Rural Bank of Bauang, Inc.
Rural Bank of Digos, Inc.
Rural Bank of Guinobatan, Inc.
Rural Bank of La Paz
Rural Bank of Lebak (Sultan Kudarat), Inc.
Rural Bank of Mangaldan
Rural Bank of Montalban, Inc.
Rural Bank of Porac (Pampanga), Inc.
Rural Bank of Rosario (La Union), Inc.
Rural Bank of Sagay, Inc.
Rural Bank of San Narciso, Inc.
Rural Bank of Silay City, Inc.
Rural Bank of Sta. Ignacia, Inc.
MariBank Philippines, Inc. (A Rural Bank)
Salmon Bank (Rural Bank), Inc.
Security Bank Corporation
Shinhan Bank - Manila Branch
Southeast Country Bank, Inc. (A Rural Bank)
Standard Chartered Bank
Sterling Bank of Asia, Inc. (A Savings Bank)
Sumitomo Mitsui Banking Corporation - Manila Branch
Summit Bank (A Rural Bank of Tublay)
The Hongkong & Shanghai Banking Corporation (HSBC)
Tonik Digital Bank, Inc.
UCPB Savings Bank
Union Bank of the Philippines (UnionBank)
UnionDigital Bank, Inc.
United Overseas Bank Limited - Manila Branch
UNObank, Inc.
Vigan Banco Rural Incorporada
Wealth Development Bank Corporation
Yuanta Savings Bank Philippines, Inc.
Zambales Rural Bank, Inc.

Reference checked August 17, 2026. PESONet participation and My.SSS dropdown availability can change.

For bank enrollment, the bank account name should match your SSS-registered name. Enter the actual bank account number, not the ATM card number.

Can I use GCash or Maya for SSS maternity DAEM?

GCash and Maya are specifically cited in current SSS guidance as electronic-wallet examples for benefit disbursement. If you choose an e-wallet, confirm that the wallet is currently available in your My.SSS DAEM screen and that the account details match your identity records.

GCash

SSS documentation recognizes GCash as an e-wallet example for benefit disbursement. Check the current DAEM option before enrolling.

Maya

SSS documentation also recognizes Maya as an e-wallet example for benefit disbursement. Check the current DAEM option before enrolling.

Do not assume that every e-wallet that can pay SSS contributions can also receive SSS maternity benefits. Payment and disbursement are separate systems.

What about remittance centers or cash payout outlets?

DAEM includes a category for Remittance and Transfer Companies / Cash Payout Outlets (RTC/CPO). SSS also states that members can receive an electronic notice when an approved benefit is already available for disbursement through a remittance center.

The exact RTC/CPO names can change and SSS does not provide one permanent public list on the maternity page. For that reason, this guide does not pretend that every SSS payment center is also a DAEM payout outlet. The current My.SSS dropdown is the safest final check.

The 2026 SSS Citizen's Charter gives DBP Cash Padala through M Lhuillier as an RTC/CPO example in a benefit re-disbursement context. Treat that as an official example, not a guarantee that it is the only or permanently available RTC/CPO option for every DAEM transaction.

What do I need to enroll a DAEM account?

Requirements can differ slightly by the enrollment route and account type. Follow what My.SSS asks you to upload for the selected option.

1. Proof of account

Current SSS examples include a passbook, ATM card showing account name/number, validated deposit slip, bank certificate/statement, transaction receipt, or screenshot of online/mobile banking or an e-wallet account.

2. Valid government-issued ID

My.SSS may require an accepted government-issued identification card/document with the enrollment.

3. Selfie / identity verification

SSS may require a chest-level selfie holding the ID and applicable proof of account.

Upload a clear image. Cropped, blurred or mismatched account proof can create a verification or rejection issue.

How to enroll a disbursement account in My.SSS

  1. Log in to your My.SSS account or MySSS mobile app.
  2. Open Services → Disbursement Account / DAEM.
  3. Choose Bank or the available E-Wallet / RTC / CPO option.
  4. Enter the correct account details.
  5. Upload the requested proof, ID and selfie/verification documents.
  6. Review every field before submitting.
  7. Keep the transaction number and wait for the processing result / notification.

Ilang days bago ma-approve ang SSS DAEM?

There is no single approval-day promise that applies to every enrollment. The 2026 SSS Citizen's Charter shows the transaction steps for submitting a DAEM enrollment and gives minute-based processing estimates for those system steps. In the mobile flow, the member is then told to keep the transaction number and await the email result of the uploaded-document processing.

So the useful question is not only “ilang days?” but: What is the exact status — pending, approved, rejected, or requiring correction?

Pending

Enrollment or document result is not yet final. Check My.SSS and registered notifications.

Approved

The account is ready as an approved disbursement route for the applicable SSS process.

Rejected / correction

Fix the exact reason before submitting the same account again.

How DAEM works specifically for SSS maternity benefit

SSS states that maternity benefits are released to the member's or employer's approved DAEM disbursement account. Individual members may enroll up to three disbursement accounts, while employers enroll one.

Once benefit crediting occurs, SSS sends an electronic notification for bank/e-wallet crediting or when the benefit is available through a remittance center. The member can also review disbursement status in My.SSS.

Common DAEM problems and what to check

Problem Check first
Still pending Exact My.SSS status, registered email and any correction/result notice.
Name mismatch SSS-registered name versus bank/e-wallet account-holder name.
Wrong bank number Use the actual bank account number, not the ATM card number.
Proof rejected Clarity, complete account details and correct proof type.
Unsupported option Use only a current option actually displayed in My.SSS DAEM.
DAEM approved, no maternity payment Check maternity-claim approval, release and crediting status.
Failed crediting Update/enroll a valid account and use Benefit Re-disbursement when applicable.

DAEM approved but maternity crediting failed

An approved DAEM account does not guarantee that every attempted credit succeeds. If SSS cannot successfully credit the maternity benefit, current guidance tells the member/employer to update the existing disbursement-account details or enroll a new account, then request Benefit Re-disbursement through My.SSS.

Claim Approved? Check Payout Status

Frequently asked questions

DAEM means Disbursement Account Enrollment Module. It is the My.SSS facility used to enroll an approved payout account for applicable SSS benefit, loan, refund, or reimbursement proceeds.

For bank enrollment, SSS instructs users to select a PESONet Participant Bank in My.SSS. Use the bank checker and reference list on this page, then confirm that the bank is still shown in the current My.SSS DAEM dropdown before enrolling.

These banks appear in the current PESONet participant reference checked for this guide. Final DAEM availability should still be confirmed in the My.SSS dropdown because SSS controls the live enrollment options.

MariBank Philippines, Inc. appears in the current PESONet participant reference. MariBank is the current name of the former SeaBank Philippines. Search for the current MariBank name in the live My.SSS DAEM dropdown before enrolling.

SSS current guidance recognizes electronic wallets such as Maya and GCash for benefit disbursement. Confirm the exact option currently shown in your My.SSS DAEM enrollment screen.

Do not assume so. SSS contribution-payment channels and DAEM benefit-disbursement channels are different. For DAEM, use only the Bank, E-Wallet, or RTC/CPO options actually offered in your current My.SSS enrollment screen.

SSS does not publish one universal approval-day guarantee for every enrollment. The Citizen’s Charter lists the transaction steps and processing minutes for submitting an enrollment, while the mobile flow instructs users to await the email result of document processing. Check the exact My.SSS status rather than relying on a fixed countdown.

SSS states that individual members may enroll up to three disbursement accounts, while employers enroll one disbursement account.

DAEM approval means the payout route is ready. Check the maternity claim and disbursement status next. If the claim is already approved, move to the payout-after-approval guide.

SSS instructs the member or employer to update the existing disbursement account details or enroll a new account in DAEM, then request re-disbursement through the Benefit Re-disbursement Module in My.SSS.

Official-source notes

This guide was updated against current SSS maternity-benefit guidance, the 2026 SSS Citizen's Charter DAEM enrollment process, and the current PESONet participant reference. Because payout providers and My.SSS screens can change, the live My.SSS DAEM dropdown should always be treated as the final availability check.

SSS Maternity Benefit SSS 2026 Citizen's Charter PESONet Participants

What should you check next?

DAEM handles the payout route. Qualification, benefit amount and payout timing are separate questions.

Qualifying Period Maternity Calculator Payout After Approval Ask a Question

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Explore an optional UnionBank credit-card offer for planned or unexpected expenses. Approval, fees, eligibility, credit limit, and terms remain subject to UnionBank.

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