Update as of August 17, 2025:
RTB 31 is no longer available for purchase. The public offering ran from August 5 to August 15, 2025, and the Bureau of the Treasury has since closed subscriptions for individual investors. While you can no longer invest in RTB 31, this article still serves as a reference for its features, interest rate, and investment mechanics.If you’re looking for current government securities to invest in, you can check the latest offerings on the Bureau of the Treasury website.
Retail Treasury Bonds (RTBs) are one of the easiest, safest ways to grow your money with higher interest than regular savings accounts. And now with RTB31, it’s even easier because you can invest directly through platforms like GCash, Landbank, and DBP!
If you’re new to RTBs or just curious about this latest offering, here’s everything you need to know about RTB 31 — including where to invest, how much you need, and why this is worth your time.
What is RTB31?
RTB31 stands for the 31st tranche of Retail Treasury Bonds issued by the Philippine government through the Bureau of the Treasury. RTBs are low-risk, interest-earning investments that allow regular Filipinos (like you and me!) to lend money to the government in exchange for guaranteed returns.
Key Details for RTB31:
- Issuer: Republic of the Philippines (via Bureau of the Treasury)
- Tenor: 5 years
- Interest Rate: 6.25% per annum (gross), paid every quarter
- Offer Period: August 7 to August 16, 2025
- Minimum Investment: ₱5,000
- Issue Date: August 20, 2025
- Maturity Date: August 20, 2030
- Form: Scripless (electronic recording only)
Why Should You Invest in RTBs?
✔️ Safe and guaranteed – backed by the national government
✔️ Higher returns than savings or time deposits
✔️ Flexible – start with as little as ₱5,000
✔️ Quarterly payout – enjoy passive income every 3 months
Where to Invest in RTB31 (Official Channels)
There are 3 major ways to invest in RTB31:
1. GCash (via BPI) – Now Available!
You can now conveniently invest in RTB31 through GCash! Just open your GCash app, go to GCash Investments, and follow the prompts. It will redirect you to BPI’s Investment platform, which is a recognized selling agent for this offering.
Check the full step-by-step guide here: How to Buy RTB31 via GCash
2. Online via Bonds.PH App
Download the Bonds.PH app and register for an account. You can fund your account via GCash, InstaPay, or bank transfers and use it to invest in RTBs without going to a bank.
3. Online Banking Portals
RTB31 is also available via the online platforms of these banks:
- Landbank Mobile Banking App
- DBP Treasury Online
- Chinabank, PNB, Security Bank, BPI, BDO, and more
Look for announcements in your bank’s app or website.
Sample Computation: How Much Will You Earn?
Let’s say you invest ₱50,000 in RTB31 at 6.25% p.a. gross.
- Gross Interest/year: ₱50,000 × 6.25% = ₱3,125
- Less 20% tax: ₱3,125 × 0.20 = ₱625
- Net earnings/year: ₱2,500
- Net earnings/quarter: ₱625
After 5 years, you’ll receive your full capital back plus ₱12,500 in total earnings (after tax).
Want to see exactly how much you’ll earn from your RTB investment?
>>> Try our RTB Earnings Calculator — enter your investment amount and see your net income instantly.
Who Should Invest in RTB31?
This is perfect for:
- Conservative investors looking for safe returns
- Beginners who want a starter investment
- OFWs who want to invest in PH-based instruments
- Anyone looking for passive income every quarter
Things to Consider
- You’ll need to hold your investment for 5 years.
- Interest is subject to 20% final withholding tax.
- If you use apps like GCash or Bonds.PH, platform fees may apply, so read the fine print.
- Not suitable for short-term needs.
Final Thoughts
RTB31 is one of the best low-risk investments available today — and now, even more accessible with GCash and other digital platforms. Whether you’re just starting out or want to diversify your savings, this is an easy way to make your money grow without taking big risks.
Remember: the offer period is only from August 5 to August 15, 2025. Don’t wait until the last day to invest!
Blogger’s Corner
I personally think this is a great alternative to regular time deposits. It’s also a nice move by the Bureau of the Treasury to make this available through GCash — finally, no more bank visits or complicated sign-ups.
If you’re planning to invest, I recommend starting with a small amount (₱5k or ₱10k) just to get used to the process. Then add more on the next RTB tranches if you like the returns.
Got questions? I’ll try to help if I can — leave a comment below!
interested….. but could I apply for RTB even if I work abroad? is there a tax for it? if yes is that align to EVAT? could I invest gradually or adding investment by monthly? could I transact online? thank you so much and have a great day.
You can invest in RTB via GCash, so yes, should be able to do it even if you’re outside the country. Take note, however, that RTB is offered on a limited time, so it’s not like MP2 where you can invest on a monthly basis. You can only invest while it’s being offered which is usually around 10 days. RTB31 has already been closed. So, you’ll probably have to wait for RTB32.
I suggest, you look into MP2 instead. You can read this article for the comparison between the two: https://poorpinoyinvestor.com/rtb-vs-pagibig-mp2/