Optima Transfer - Desktop
Optima Transfer - Mobile

Now you can do business 24/7 and transfer funds to any local bank or pay your merchants anywhere you are.

Transaction Amount Limit Php50,000 per account Up to Php500,000 but subject to receiving bank’s maximum amount per transaction limit
No. of Fund Transfer Transactions Per Day No limit No limit
Service Availability* 24/7; all year round 24/7; banking days only
Availability of Funds to the Recipient’s Account Real-time credit Same day credit
  • Optima Online for corporations and businesses
  • Optima ePayments
  • Optima Online for corporations and businesses
  • Optima ePayments
  • Branch Over-the-Counter (OTC)
Transaction Fee via Sterling Bank Online Php15.00 per transaction Php15.00 per transaction
Transaction Fee via Over-the-Counter (OTC)   Php30.00 per transaction


Register your business with Optima Online by visiting your nearest Sterling Bank of Asia branch or contacting your Relationship Manager.


Click here for the Lists of PESONet participants.

Click here for the Lists of InstaPay participants.


Bank on-the-go
Make transactions on-the-go with Sterling Bank’s mobile app, available on iOS and Android.
Google play App store