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Encash Network Services, or ENS, is an independent switch network that initially connected the ATMs of four rural banks in the Philippines. In its 23 months of operation as of October 2009, this network has eventually expanded to more than 70, with the main objective of including all rural banks and cooperatives in the Philippines. ENS is a member of MegaLink which is interconnected with the other Philippine interbank networks, ie., BancNet and Expressnet.

ENS is expected to provide a low-cost solution for banks and cooperatives who wish to implement ATM services compliant with global standards but cannot afford the costs of connecting to any of the three main networks. It could also be the first network in the Philippines to fully adopt EMV technology on all its ATM cards, although the regular magnetic stripe cards are also an option for the network.

ENS operates a switch-in-front architecture, connected to appropriate transaction authorization entities. These will include Member Bank CA/SA systems, electronic money/wallet systems, VISA or Mastercard when available. The switch network is geared toward accepting transactions using other front-end devices, e.g., POS. ENS ATMs will be stationed more appropriately at points where commercial banks have minimal presence. Thus, ENS presents both rural and commercial bank ATM cardholders with the convenience of having more access to ATMs in more locations all over the country.

On September 10, 2009, successful ATM withdrawal transactions hit the 1 million mark, while ENCASH ATMs dispensed more than Php 3 Billion throughout the countryside.

ENS launched the ATM portion of its interbank network on November 16, 2007 and plans to implement an EFTPOS network as well.


The following is a partial list of ENS members:

  • 1st Valley Bank
  • 1st TRuBank
  • Banco Santiago de Libon
  • Bangko Kabayan, Inc.
  • Bangko Luzon
  • Bangko Nuestra Senora del Pilar
  • Bangko Pangasinan
  • Bank of Florida
  • BHF Rural Bank
  • Cantilan Bank
  • Cebuana Lhuillier Rural Bank
  • Century Rural Bank of Samal
  • Classic Rural Bank
  • Community Rural Bank of Alfonso
  • Country Rural Bank of Taguig, Inc.
  • Diocese of Libmanan
  • Eastern Business Center
  • Enterprise Bank, Inc.
  • Euro Credit Community Bank, Inc.
  • First Community Bank, Inc.
  • First Consolidated Cooperative
  • FCCT Cooperative
  • First Provincial Bank
  • Gata Daku Multi-Purpose Cooperative
  • GM Bank, Inc.
  • Guimaras Multi-Purpose Cooperative
  • Janiuay Rural Bank, Inc.
  • Key Rural Bank, Inc.
  • Maranding Women Investors Multi-purpose Cooperative
  • Microsavers Bank
  • MoneyMall Rural Bank
  • Municipal Rural Bank of Nabua
  • Municipality of Tagudin
  • Omniprime Marketing, Inc.
  • Rural Bank of Abucay, Inc.
  • Rural Bank of Barotac Viejo
  • Rural Bank of Calasiao, Inc.
  • Rural Bank of Capalonga, Inc.
  • Rural Bank of Cauayan, Inc.
  • Rural Bank of Central Pangasinan
  • Rural Bank of Cordon
  • Rural Bank of Dumangas
  • Rural Bank of Dupax
  • Rural Bank of Guimbal
  • Rural Bank of Hindang
  • Rural Bank of Hinigaran
  • Rural Bank of Ilog
  • Rural Bank of Jaen, Inc.
  • Rural Bank of Jose Panganiban
  • Rural Bank of Labrador
  • Rural Bank of La Paz
  • Rural Bank of Leganes
  • Rural bank of Mabitac
  • Rural Bank of Magdalena
  • Rural Bank of Majayjay
  • Rural Bank of Mambusao
  • Rural Bank of Mangaldan, Inc.
  • Rural Bank of Naguilian, Inc.
  • Rural Bank of Oton
  • Rural Bank of Pagbilao
  • Rural Bank of Pangil
  • Rural Bank of Pasacao, Inc.
  • Rural Bank of Pilar, Inc.
  • Rural Bank of Puerto Galera
  • Rural Bank of Ragay
  • Rural Bank of Rosario, Inc.
  • Rural Bank of Sagada, Inc.
  • Rural Bank of San Enrique
  • Rural Bank of San Fabian
  • Rural Bank of San Miguel, Inc.
  • Rural Bank of San Rafael, Inc.
  • Rural Bank of Sasmuan, Inc.
  • Rural Bank of Taft
  • Rural Bank of Victoria
  • Sasmuan Rural Bank
  • Tiaong Rural Bank, Inc.
  • Valiant Bank

See also

External links

Philippine interbank networks
BancNet | ENS | Expressnet | MegaLink | Nationlink


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