Sterling Bank egov
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Optima - Electronic Government System (eGOV)

Optima - eGOV is an internet-enabled e-Payment System that allows the processing of PhilHealth, Pag-IBIG, and SSS contributions and loan transactions through BancNet using your Sterling Bank of Asia account.


Process anytime, anywhere and avoid penalties for late payments.


No need to go to the bank. Pay for government contributions and loans online in the safety of your home or office.


Get real-time updates on payment approval.


Step 1 - Client nominates a Corporate Administrator to register online and open an eGOV account

Step 2 – Sterling Bank opens the account and provides a copy of the Virtual Card number and PIN via mail

Step 3 - Corporate Administrator registers the corporate details online via:

Step 4 - Corporate Administrator registers the Sterling Bank Virtual ATM Card

Step 5 - Corporate Administrator registers the Pag-IBIG Employer ID

Step 6 - Pag-IBIG Fund & PhilHealth then validates the Employer ID and tags the approval in eGOV

Step 7 – Sterling Bank checks the correctness of the Virtual Card number and tags the approval in eGOV

Step 8 – Corporate Administrator links the approved Sterling Bank eGOV account as the Debit Account

Step 9 - Corporate Administrator either creates the Corporate Users (Maker, Checker, Approver) or, creates another Corporate Administrator to do User Creation/Maintenance

Step 10 - Upon completion of Corporate User enrollment, Profile status will change to “Complete”

Want to know more?

>Read our FAQs here.
>Read our User Manual here.
>Contact our Business Solutions Department:

  • Telephone: +632 8535-6168
  • Email:
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