SSS Disbursement Account Enrollment: 2022 Updated Guide

If you’re planning to apply for SSS benefits or loans, you first need to enroll in your preferred disbursement account. This is where the proceeds of successful applications will be sent.

In fact, this is a requirement nowadays for covered members. In this article, I’ll show you the step-by-step guide on how to enroll your preferred bank or e-wallet account in the SSS Disbursement Account Enrollment Module.

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Let’s start with…

What is SSS DAEM?

DAEM stands for Disbursement Account Enrollment Module. It is one of the various features of My.SSS online portal for SSS members. This is where you need to enroll your bank or e-wallet account.

Yes, you’re also allowed to enroll an e-wallet and not just bank accounts.

Who needs to enroll in DAEM?

All covered members are required to enroll in DAEM if they plan to apply for benefits or loans. According to SSS itself, those members who have UMID-ATM cards are exempted in this process as the proceeds will be automatically deposited into their ATM-UMID accounts.

Supported Banks

Here are the following banks supported in SSS DAEM:

  • Al-Amanah Islamic Bank
  • AllBank (A Thrift Bank), Inc.
  • Asia United Bank
  • Australia and New Zealand Banking Group
  • Bangko Mabuhay (A Rural Bank), Inc.
  • Bangkok Bank Public Co.
  • Bank of America
  • Bank of China Unlimited
  • Bank of Florida, Inc. (A Rural Bank)
  • Bank of Commerce
  • Bank of the Philippine Islands (BPI)
  • BDO Network Bank, Inc. (A Rural Bank)
  • BDO Unibank, Inc.
  • Camalig Bank, Inc. (A Rural Bank)
  • Cebuana Lhuillier Rural Bank, Inc.
  • China Bank Savings
  • China Banking Corporation
  • CIMB Bank Philippines
  • Citibank, N.A
  • Country Builders Bank, Inc.
  • CTBC Banking Corporation
  • DCPay Philippines
  • Deutsche Bank
  • Development Bank of the Philippines (DBP)
  • Dungganon Bank, Inc.
  • East West Rural Bank, Inc.
  • East-West Banking Corporation
  • Equicom Savings Bank
  • First Consolidated Bank
  • Industrial Bank of Korea
  • ING Bank, N.V
  • JP Morgan Chase Bank
  • KEB Hana Bank
  • Land Bank of the Philippines
  • Malayan Bank Savings and Mortgage Bank
  • Maybank Philippines, Inc.
  • Mega International Commercial Bank Co. Ltd.
  • Metropolitan Bank and Trust Company (Metrobank)
  • Mizuho Bank, Ltd.
  • MUFG Bank, Ltd.
  • Philippine Bank of Communications (PBCOM)
  • Philippine Business Bank
  • Philippine National Bank (PNB)
  • Philippine Savings Bank (PSBank)
  • Philippine Trust Company
  • Philippine Veterans Bank
  • Producers Savings Bank
  • Rang-ay Bank (A Rural Bank), Inc.
  • Rizal Commercial Banking Corporation (RCBC)
  • Robinsons Bank Corporation
  • Rural Bank of Guinobatan
  • Security Bank Corporation
  • Shinhan Bank
  • Standard Chartered Bank
  • Sterling Bank of Asia
  • Sumitomo Mitsui Banking Corporation
  • The Hongkong & Shanghai Banking Corporation (HSBC)
  • Union Bank of the Philippines
  • United Coconut Planters Bank (UCPB)
  • United Overseas Bank (Philippines)
  • Wealth Development Bank
  • Yuanta Savings Bank

Supported e-Wallets

Aside from banks, some popular e-wallets below are also supported.

  • GCash
  • PayMaya
  • Coins.PH
  • CBP Cash Padala Thru M Lhuillier

SSS DAEM Requirements 2022

During the enrollment process, you need to upload a Proof of Account, Valid ID, and a Selfie Holding Your ID and Proof of Account.

Proof of Account

The proof of account will vary depending on if you choose Bank or e-wallet.

For Bank

You may upload any of the following:

  • ATM card with Account No. and Name
  • Bank Certificate (must be issued within the current year)
  • Foreign remittance receipt
  • Passbook
  • Screenshot of online or mobile banking account
  • Validated deposit slip

Just take a picture or scan any of those mentioned above. The file size must not exceed 3MB and must be in JPG or PDF file format only.

For E-Wallet

In order to enroll in your e-wallet account, you must upload a screenshot of your mobile app account. Your name and mobile number must be visible just like the image below.


Valid ID

Here are some of the valid IDs you can upload in the process.

  • Unified Multi-Purpose Identification (UMID) Card
  • Social Security (SS) Card
  • Philippine Identification (PhilID) Card
  • Alien Certificate of Registration
  • Driver’s License
  • Firearm Registration
  • License to Own and Possess Firearms
  • NBI Clearance
  • Passport
  • Permit to Carry Firearms Outside of Residence
  • Postal ID Card
  • Seafarer’s Identification Book (Seaman’s Book)
  • Voter’s ID Card
  • Senior Citizen ID Card
  • ID Card issued by Local Government Units (LGUs) (e.g. Barangay/Municipality/City)
  • PhilHealth ID Card
  • Pag-IBIG ID Card
  • Police Clearance
  • Persons with Disability (PWD) ID Card
  • Solo Parent ID
  • Professional ID Card
  • ID Card issued by PNP Supervisory Office for Security and Investigation Agencies (SOSIA)


You must be holding your valid ID and proof of account. The image must be colored and clear. Proper attire is required and no face accessories must be worn.

The sample image is presented below.


How to enroll your bank or e-wallet in SSS DAEM?

Now that you know all of the requirements, you’re ready to enroll your preferred disbursement account in SSS DAEM.

As a heads up, here are the steps in enrolling in SSS DAEM.

Step 1: Login to My.SSS.

Step 2: Click Disbursement Account Module (DAEM) under the E-Services tab.

Step 3: Click Proceed once you read the reminders.

Step 4: Choose your preferred bank or e-wallet.

Step 5: Accept the Data Collection Usage Clause and click Enroll.

Step 6: Check your email inbox for Confirmation Notice from SSS.

Presented below are the details step-by-step procedures.

Step 1: Login to My.SSS

Visit the official website of SSS. For members, you may visit while for employers you may want to visit Login to your account to continue.

This article will only focus on enrolling disbursement accounts for members.

Step 1 - SSS Member Login
Step 1 – SSS Member Login

Step 2: Click Disbursement Account Module (DAEM) under the E-Services tab

Be sure to select the first sub-menu item under DAEM as shown in the picture below.

Step 2 - Click SSS DAEM under E-Services Tab
Step 2 – Click SSS DAEM under E-Services Tab

Step 3: Click Proceed once you read the reminders

You may read through the reminders by SSS to help you enroll your disbursement account.

Step 3 - Click Proceed
Step 3 – Click Proceed

Step 4: Choose your preferred bank or e-wallet

First, you’ll see two radio buttons with Bank or E-Wallet / RTC / CPO options. Select either one.

The Bank Account Name should be the SAME as your SSS registered name. Please provide the correct Bank Account number and NOT the ATM card number. You may contact your bank to secure the correct account number.

E-wallet/RTC/CPO accounts are currently not being used by SSS for loan disbursement. If you will file a salary/calamity loan application, please enroll a bank account for crediting your loan proceeds.

Secondly, select from the drop-down list your preferred bank or e-wallet and enter your account number for your bank and mobile number for your e-wallet.

After that, attach your supporting documents including the Proof of Account, Valid ID, and Selfie.

Attach readable colored image/s in JPG or PDF format. Maximum file size is 3MB and filename should be comprised of 1 to 50 characters and must not contain special characters # % ( ) \ — ‘ ” || && \* */ .

Step 4 - Choose Your Bank or E-Wallet
Step 4 – Choose Your Bank or E-Wallet

Step 5: Accept the Data Collection Usage Clause and click Enroll

Double-check your information and accept the Data Collection Clause and click Enroll.

Step 5 - Click Proceed
Step 5 – Click Proceed

Step 6: Check your email inbox for Confirmation Notice from SSS

Once you’ve submitted your SSS DAEM enrollment, you’ll receive an automated email from SSS confirming your transaction.

Wait for a couple of days for SSS to approve your online transaction. Once approved, you’ll now see your disbursement account enrolled in your My.SSS account in DAEM.

Disbursement Account Enrolled
Disbursement Account Enrolled

Congratulations, you’ve successfully enrolled your preferred disbursement account in SSS DAEM. You can now use this to receive the proceeds from SSS benefit or loan application.

If you have questions with SSS with regards to your membership, you may contact them through their SSS hotline 1455, toll-free number 1-800-102255777, and email

37 thoughts on “SSS Disbursement Account Enrollment: 2022 Updated Guide”

  1. It’s not working. Every time I submit my DAEM enrollment it always appear that the connection was reset. I did not receive any emails for confirmation or approval from SSS. I tried it so many times but it never push through.

    1. try using other browsers, like google chrome. make sure also that the file name of the documents that you will be uploading does not have any special character, including an underscore. if you have the SSS app downloaded to your phone at the same time, make sure that you have logged out there before logging into your MySSS account using a laptop for instance.


    Hi. I already submitted document for Disbursement and also it is alrady approved by the branch. How many days does Processing Center approval? Thanks!

  3. I was expecting a confirmation weather the bank that I enrolled was approved or declined again I haven’t received any notifications yet it only shows the status of the application I made which Shows for center approval what does it mean? Do I need to go to an sss branch to confirm

      1. ilang days tumagal ung sa inyo for processing center approlval na din kac ung DAEM ko nung april 12 ko na submit lahat tpos 1 days lang natapos ung branch approval.. ngayon 3 days na di pa din na aapprove sa Processing Center Approval

  4. I was actually send all the requirements needed for sss daem. I sent it last August 8, 2022 but now it is still in for processing center approval. How long will it take for me to wait for it???

  5. Ilang beses na po ngtry palagi failed tapos last aug 15 nag succes ma submit until now wala pa responce kung aprove pa o hindi kasi for approval padin lumalabas sa account

  6. ang sa akin naman po is okay na lahat actually. kaya lng need pa daw mag hintay active naman po disbursements ko maghuintay nalang daw ihuhulog yung loan amount.

  7. Nakapag fill up na po ako ng disbursement account, pero hamggang ngayon wala pa pong email sa akin last august 18 pa po ako ng apply ng disbursement

  8. After po ba ma aapproved ng disbursement marereceive na po ba ung maternity benefit??na approved po sya last july 30, and 1 month na po nakakalipas wala pa po ulet email saken kung maki claim na po ung maternity benefits ko po..hoping for your response thank you.

  9. Approved na ung disbursement account ko po 1 month na ang nakakalipas kelan po kaya marereceive ung maternity benefits??naapproved sya last july 30,then until now wala pa po ako narereceive na email kung pwede na i claim ung maternity benefits..

  10. Merry Grace Cabador
    Merry Grace Cabador

    How many days po ba yong approval ng disbursement account?Ang nakalagay pa po kasi na status is for branch approval pa daw po.

  11. Same issues po sa iba. It’s been weeks since I applied for DAEM until now “for Branch Approval” pa din po. How long does it takes para ma approved do we need to go to SSS Office to follow up? wala din pong email updates.

  12. Kamote yang SS WEb nato mag apply ka ng Disbursement di naman ina-approve almost 3 weeks na wala parin notification. For SSS Kumpleto naman Docs ang ipinasa sa website niyo wala parin approval. Mga kamote SSS. Take note pera din namiun yang ginagamit niyo.

  13. melvin alcantara
    melvin alcantara

    ilan beses na po ako nag enroll sa dibursement account. Palagi rejected! Wala daw po nakalagay ng account number. Bakit po ganon ayaw mag appear sa kanila un account number. I make sure naman po na nakalagay un account number ko.

  14. Gaano katagal po bago ma approve ang disbursement account? Dec 23 pa po kasi ako nag enroll, January 4 na for approval padin po yung akin. thank you

  15. Christian Paul Cariaga Blanza
    Christian Paul Cariaga Blanza

    Nasa list naman po yung CIMB Bank Philippines ng mga supported banks pero bakit po pagdating sa SSS online wala sya?

  16. Good day po.. bakit invalid po yung disbursement account ko sa sss? same lang naman po yung bank account ko na ginagamit sa sss kapag nagloloan po ako.. nag-apply po ulit ako ng disbursement account nung Sept. 02,2023 upon checking as of today for branch approval pa lang sya.. matagal po ba bago maapprove?

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