What is the Pag-IBIG Membership ID (MID) and How to Get One

The Pag-IBIG Membership ID (MID) is a unique 12-digit number, acting as a key to accessing a wide range of services provided by the Fund, such as loan applications, savings programs, and more. This membership program is open to all Filipinos, whether employed, self-employed, or overseas workers, ensuring inclusivity and the opportunity to invest in their future. Enrollment is straightforward, requiring just a valid ID and basic personal information, and can be done online for convenience or in-branch for those preferring personal interaction. Upon obtaining a membership ID, members can expect to unlock numerous benefits including eligibility for housing loans, participation in savings schemes with attractive dividends, and qualification for multi-purpose loans, all designed to provide financial security, support, and savings opportunities.

pag-ibig MID

What is the Pag-IBIG Membership ID?

The Pag-IBIG Membership ID is more than just a series of numbers; it’s your personal gateway to the services offered by the Fund. Similar to a social security number, this 12-digit identifier is exclusive to each member and is used in all transactions with the Fund, from loan applications and contributions to benefit claims and more.

Significance of the MID

Did you know that your MID allows you to do more than just identify yourself? It acts as your key to a world of benefits offered by the Fund!  You can use your MID to register for a Virtual Pag-IBIG account, giving you online access to your contributions, loan applications, and other transactions.  It also plays a significant role in building your savings and qualifying for advantageous housing loans. So remember, your membership ID is essential for maximizing your membership!

Legal Basis

The membership ID and the broader Fund operation are backed by legal mandates aimed at ensuring the provision of national savings programs and affordable shelter financing for Filipinos. This legal foundation ensures that every member’s contributions are secure and that the benefits promised are delivered.

Benefits of Having a Membership ID

Enrolling for a Pag-IBIG MID unlocks a treasure chest of benefits. Here are a few you can look forward to:

  • Eligibility for Housing Loans: Get access to low-interest housing loans.
  • Savings Programs: Benefit from various savings schemes with attractive dividends.
  • Loan Programs: Qualify for multi-purpose loans for immediate financial needs.


Membership in Pag-IBIG is open to all Filipinos, whether employed, self-employed, or overseas Filipino workers (OFWs). The inclusivity ensures that more Filipinos have the opportunity to invest in their future and secure financial assistance when needed.


To enroll for a  member ID with the Fund, you’ll need a valid ID and some basic personal information. The process is straightforward and designed to be accessible to all eligible Filipinos.

Step-by-Step Guide on How to Enroll for a Pag-IBIG Member ID

  1. Choose Your Enrollment Method: Decide whether you prefer online registration for convenience or in-branch registration for a more personal touch.
  2. Online Registration:
    1. Visit the Virtual Pag-IBIG website.
    2. Fill out the required forms to inquire about or apply for your MID number.
    3. Submit the form, and wait to receive your MID number via email or SMS.
  3. In-Branch Registration:
    1. Visit any Pag-IBIG branch with a valid ID.
    2. Fill out the Member’s Data Form (MDF).
    3. Submit the form and wait for the processing of your Member ID.
  4. Activation and Use:
    1. Once you receive your MID, it’s recommended to create a Virtual Pag-IBIG account to monitor your contributions, apply for loans, and access other services.

Maximizing Your Pag-IBIG Membership ID

Your Pag-IBIG MID is more than just an identification number; it’s your key to unlocking the full potential of your membership. Here’s how to get the most out of it:

1. Regular Savings and MP2:

  • Consistent Contributions: Use your Member ID to make regular monthly contributions to your Regular Savings. This not only builds your savings for a future down payment but also qualifies you for higher loan amounts and better dividend rates. Explore Pag-IBIG’s Modified Pag-IBIG 2 (MP2) Savings program (through your MID) for a higher-risk, higher-reward investment option within the Fund.

2. Online Convenience:

  • Virtual Pag-IBIG: Your Member ID allows you to register for a Virtual Pag-IBIG account. This online portal allows you to:
    • Track your Pag-IBIG contributions and loan payments.
    • Apply for Pag-IBIG housing and other loans.
    • Update your personal information.
    • Submit Pag-IBIG related documents.

3. Loan Applications:

  • Housing and Other Loans: When you’re ready to apply for a Pag-IBIG housing loan, renovation loan, or calamity loan, your Member ID is essential for the application process. Having a good savings history through your MID contributions can significantly improve your loan approval chances.

4. Provident Benefits:

  • Track and Claim: As you contribute through your membership ID, you’re building eligibility for provident benefits like Total Accumulated Value (TAV) payout upon reaching retirement age or in case of permanent disability. Use your MID to track your TAV growth and initiate claims when eligible.

5. Pag-IBIG Loyalty Card:

  • Discounts and Rewards: Consider applying for a Loyalty Card (using your MID). This card allows you to enjoy discounts and earn rewards from partner establishments nationwide. There’s even a Pag-IBIG Loyalty Card Plus option that functions as a cash card for faster transactions with the Fund.

By actively using your membership ID for these purposes, you’ll be well on your way to maximizing the benefits and opportunities offered by your Pag-IBIG membership.

Video: PAG-IBIG MID Number: How to GET MID and RTN Number sa Pag-IBIG Online – FREE

In this video guide, discover the step-by-step process of obtaining your Pag-IBIG MID and RTN number through the Pag-IBIG online platform. Learn how to conveniently access these important identification numbers without any cost.



The Pag-IBIG Membership ID is your passport to a suite of financial services designed to provide security, savings, and support. Whether you’re dreaming of buying a home, saving for the future, or in need of financial aid, having a membership ID number brings those dreams within reach. Follow the straightforward enrollment process today, and take the first step towards securing your financial future with the Fund.

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