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Why IBS is More Than Just a Financial Tool
Managing money has always been one of the biggest challenges for both individuals and businesses. From keeping track of savings...
Frequently Asked Questions
What is IBS?
IBS (Integrated Business Software) is a secure, web-based platform designed to simplify financial management for both individuals and businesses. It combines tools like payments, savings, POS, accounting, payroll, and collections—all in one system.
How do I open an account?
You can open an IBS account with a valid ID. The one-time registration fee is ₱700, and once verified face-to-face, your account is secured against fake or duplicate registrations.
How much are the fees?
Sending Money: Free (up to ₱500,000 daily incoming limit).
Receiving Money: Only 0.002% deducted from the received amount.
Account Opening: One-time payment of ₱700.
Can I use IBS on multiple devices?
Yes! IBS works on any PC or smartphone. It’s web-based, so you can access it anytime, anywhere with an internet connection.
What makes IBS safer than other platforms?
IBS doesn’t rely on SIM cards, email, or API syncs with other systems—minimizing cyber threats. Accounts are verified, ensuring no fake or bogus users. Plus, transactions are traceable, reducing fraud and theft.
What happens if my phone is lost or offline?
No worries! IBS accounts are not tied to a SIM or single device. You can log in from any other gadget, and transactions can proceed even if one party is offline.
How does IBS benefit businesses?
Businesses get essential tools for free, including POS, accounting, payroll, and collections. IBS also enables real-time monitoring, ranked customer insights, accurate records, and better protection from internal theft or corruption.
How does IBS help families and individuals?
Families save more with minimal fees, can monitor children’s expenses, and send money directly without travel costs. Individuals enjoy digital passbook savings, safe transfers, and better financial management.
Does IBS work in remote or rural areas?
Yes. IBS is web-based and designed to support communities even in remote or mountainous areas. It reduces risks of theft, helps merchants grow, and allows secure large transactions.
How does IBS support the government and institutions?
IBS provides transparency to Central Bank, AMLA, BIR, NBI, and SEC by ranking accounts and enabling transaction monitoring. This helps in preventing crimes, money laundering, and tax evasion.