How to Pay Pag-IBIG Contributions for Filipinos in Saudi Arabia

In 2009, Republic Act No. 9679 or the “Home Development Mutual Fund (HDMF) Law” expanded its members to include overseas Filipino workers (OFWs). Also known as Pag-IBIG Fund, HDMF is a government agency that provides affordable housing and other programs to Filipino workers, both inside and outside the country.

For OFWs in Saudi Arabia, access to Pag-IBIG Fund services is made possible through the Migrant Workers Office (MWO) and the Virtual Pag-IBIG website. Paying contributions is also fast and convenient, with over-the-counter and online options available.

Saudi Arabia OFW’s Guide to Paying Pag-IBIG Contributions

Here’s a quick overview of Pag-IBIG, its benefits and services, and how OFWs in Saudi Arabia can pay their Pag-IBIG contributions.

What is Pag-IBIG?

The Home Development Mutual Fund (HDMF) or Pag-IBIG Fund is a state-owned corporation that provides affordable housing loans and high-earning savings programs to Filipino workers. It is managed by the Department of Human Settlements and Urban Development (DHSUD). Notably, the acronym Pag-IBIG stands for “Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industriya, at Gobyerno.”

Vision and Mission

According to the official website of Pag-IBIG, its vision is “for every Filipino worker to save with Pag-IBIG Fund, to achieve their dream of home ownership, and to improve their quality of life.”

Correspondingly, the mission of Pag-IBIG is “to generate more savings from more Filipino workers, to administer a sustainable Fund with integrity, sound financial principles, and with social responsibility, and to provide accessible funds for housing of every member.”

Programs and Benefits

Through the MWO, OFWs in Saudi Arabia can access these Pag-IBIG Fund programs and benefits:

Pag-IBIG 1 Savings

Every month, members pay a certain amount (PHP 200) as part of the Pag-IBIG 1 Savings Program, which is the regular savings program of the agency. This program enables them to save more, compared to commercial banks. When they retire, they shall receive the Total Accumulated Value (TAV) — including monthly savings, the employer’s counterpart (if applicable), and dividend earnings.

Modified Pag-IBIG 2 (MP2) Savings

The Modified Pag-IBIG 2 (MP2) Savings Program enables members to earn even more, thanks to high annual dividend earnings. For just a minimum of PHP 500 a month, members can save money and watch it grow over a five-year maturity period.

Housing Loan

Members who are planning to buy or build a house can apply for Pag-IBIG’s Housing Loan, which offers loans up to PHP 6 million. This can be used for a variety of purposes, including: building a house, improving a house, buying a residential lot, buying a residential house and lot, or refinancing an existing housing loan.

Multi-Purpose Loan (MPL)

The Pag-IBIG Multi-Purpose Loan (MPL) offers loans up to 80 percent of a member’s regular savings, to be paid over a two-year period. This loan can be used for making house improvements, paying children’s tuition, or adding capital to a small business.

Health and Education Loan Programs (HELPs)

Similar to the MPL, Pag-IBIG’s Health and Education Loan Programs also amount to up to 80 percent of members’ regular savings. It is designed to finance health and education-related expenses, with the funds credited directly to the Pag-IBIG accredited hospital and/or school concerned for faster processing.

Calamity Loan

The Pag-IBIG Calamity Loan is offered to members and their families who have been affected by typhoons, floods, earthquakes, and other calamities. It also amounts to up to 80 percent of a member’s reguar savings, to be paid over two (or) three (3) years.

How to Pay Pag-IBIG Contributions

There are two main ways in which Pag-IBIG members can pay their contributions: over-the-counter and online. For over-the-counter payments, OFWs can go to a bank or remittance company that has partnered with a the Philippine National Bank (PNB), Asia United Bank (AUB), or Ventaja International Corporation — all of which are accredited partners of Pag-IBIG.

When making an over-the-counter payment, be sure to ask for a Remittance Form, and mention to the staff that you would like to pay your Pag-IBIG contributions.

Pag-IBIG Remittance Centers in Saudi Arabia

Below is a list of banks and remittance companies in Saudi Arabia where OFWs can pay their Pag-IBIG contributions. Take note that these are accredited collecting agents of AUB, PNB, and Ventaja.

In Riyadh

• Al Rajhi Banking
• Bank Al Bilad
• Bicol Express
• China Bank / Arab National Bank
• Citiexpress
• Conor Express
• Jabal Hesham Est.
• PNB Desk Al-Rajhi Military Hospital Riyadh
• PNB Desk ANB 2nd Industrial Riyadh
• PNB Desk ANB Akaria Riyadh
• PNB Desk ANB Batha Riyadh
• PNB Desk BAB Batha Riyadh
• PNB Desk KSA Riyadh
• Samba Financial Group

In Alkhobar

• PNB Desk Al-Rajhi Khobar
• PNB Desk ANB Jubail
• PNB Desk ANB Khobar
• PNB desk BAB Khobar

In Jeddah

• Bank Al Jazira
• Bank Al Jazira – Fawri Money Transfer Services
• National Commercial Bank
• PNB Desk ANB Balad Jeddah
• PNB Desk ANB Hera Jeddah
• PNB Desk ANB Yanbu
• PNB Desk BAB Jeddah

How to Pay Pag-IBIG Contributions Online

Another way to pay Pag-IBIG contributions is through the Virtual Pag-IBIG website. You can use this online platform to pay contributions, provided that you have a bank card (MasterCard, Visa) or a digital wallet (GCash, Maya).

Before using Virtual Pag-IBIG, members need to register and create an account first — through the website itself or by going to the nearest Pag-IBIG branch. After creating an Virtual Pag-IBIG account, they can log in and use the platform to pay contributions, view their loans and contribution records, and make other transactions.

Video: OFWs Receive New Homes at “Pamaskong Handog”

Each year, the Department of Migrant Workers (DMW) holds a gift-giving activity for OFWs called “Pamaskong Handog.” Last December 17, 2024, the activity was held in Malacañang, attended by President Ferdinand R. Marcos, Jr. and DMW Secretary Hans Leo J. Cacdac.

During the event, the DMW, in partnership with Pag-IBIG, gave new homes to five OFWs. Watch this video for the event’s highlights:

Contact Information: MWOs in Saudi Arabia

OFWs in Saudi Arabia can inquire about Pag-IBIG related concerns through the Migrant Workers Offices (MWOs) in Saudi Arabia. Here are the MWOs located in different regions of the Kingdom:

MWO Riyadh

Address: 3267 Makkah Al Mukarramah Branch Road, Al Mutamarat, Riyadh 127118103, Kingdom of Saudi Arabia
Telephone: +966 50 285 0944 / +966 53 798 0452 (Pag-IBIG)
Email: mwo_riyadh@dmw.gov.ph (Main) / ofwpass.mworiyadh@gmail.com (OFW Pass / eRegistration / Online OEC concerns) / popriyadh@pagibigfund.gov.ph (Pag-IBIG)
Website: https://www.mworiyadh-govph.com/
Facebook: https://www.facebook.com/p/Migrant-Workers-Office-Riyadh-KSA-100069337504462/

Google Map Location:

MWO – Eastern Region Operations

Telephone: +966 56 232 9926
Email: mwo_alkhobar@dmw.gov.ph / alkhobar@owwa.gov.ph (for OWWA concerns)
Facebook: https://www.facebook.com/p/Migrant-Workers-Office-Eastern-Region-Operations-KSA-100069054581947/

MWO Jeddah

Address: Building No. 4663, Fajer Street, Al Rehab District 6, Jeddah 21412, Kingdom of Saudi Arabia
Telephone: +966 56 981 9720
Email: pjcc2022@yahoo.com (Main/Labor Concerns) / atn.mwojeddah@gmail.com (ATN) / jeddahmwo.vu@gmail.com (Verification) / owwa_jeddah@yahoo.com (BM)
Website: https://www.mwo-jeddah.org/
Facebook: https://www.facebook.com/MWOJeddahOfficial/

Google Map Location:

Final Thoughts

Whether you are planning to build a home, save money for retirement, or put up your own business — Pag-IBIG offers a variety of programs and services that you can apply for. Paying contributions is also fast and easy, since there are many payment options available to Pag-IBIG members.

Speaking of money, there are times when you might need a loan to help face an emergency. Check out this guide on how to apply for an emergency cash loan in Saudi Arabia.