Vigan Banco Rural Incorporada (“VBRI” or “VBank”) was founded on January 30, 1984, with its head office located at 115 Salcedo Street, Vigan City, Ilocos Sur. It was duly registered as a Rural Bank with the Securities and Exchange Commission (SEC Registration No. 0000123915) on December 10, 1984, and granted its Certificate of Authority to Operate (No. VBank remains a 100 % Filipino-owned financia
l institution and has been in continuous operation since 1985, guided by the principles of community service, integrity, and innovation in rural banking. In December 2024, VBank launched its Mobile Banking App, marking a major milestone in its journey toward becoming a digital-centric bank committed to empowering unbanked and underbanked Filipinos nationwide. Through the app, users can:
- Open and maintain savings accounts;
- Perform fund transfers via PESONet and InstaPay;
- Cash in and cash out through partner agents and networks;
- Pay bills and buy mobile load; and
- Access both virtual and physical debit cards. Beyond retail customers, VBank also supports micro-merchants, small businesses, LGUs, and enterprises by enabling digital collections, disbursements, and QR-based payments. Our Mission:
To empower the unbanked and underbanked by making banking simple, affordable, and accessible anytime, anywhere. As “Bangko Para sa Masa,” VBank is committed to being a truly digital-centric bank, bridging the gap between traditional rural banking and the modern financial ecosystem—bringing technology, trust, and opportunity to every Filipino. Our Legacy:
For nearly four decades, VBank has played a pivotal role in advancing rural development—supporting farmers, small entrepreneurs, and employees through accessible financing and secure deposit services. The bank’s growth reflects its dedication to financial inclusion, ethical governance, and customer-centric service, earning the trust of generations of Ilocano families and business owners. All deposits are insured by the Philippine Deposit Insurance Corporation (PDIC) up to ₱1,000,000 per depositor, guaranteed by the Philippine Government. Member of PESONet and InstaPay, ensuring safe, fast, and reliable electronic fund transfers. Registered Member of the Anti-Money Laundering Council (AMLC), fully compliant with the Anti-Money Laundering Act (AMLA) and its Implementing Rules and Regulations. Security features include multi-factor authentication, encryption, and device registration to safeguard every user account. Our Vision for the Future:
VBank aims to be the leading digital-centric rural bank in the Philippines—bridging traditional banking with modern technology to make financial access universal. We envision a future where every Filipino—whether in cities, markets, or rural communities—can access safe, inclusive, and innovative financial services that truly work for them.
