Legal Nature and Importance of the Pag-IBIG MID Number
The Pag-IBIG Membership Identification (MID) Number, also referred to as the Pag-IBIG Permanent ID Number, is a lifetime unique identifier issued by the Home Development Mutual Fund (HDMF) pursuant to Republic Act No. 9679 (Pag-IBIG Fund Law of 2009) and its implementing rules.
Under Section 6 of RA 9679, membership in the Fund is mandatory for all employees in the private and public sectors, uniformed personnel, and Filipinos employed by foreign-based employers. Employers are legally required under Section 9 to deduct and remit monthly contributions using the correct MID Number of the employee.
Failure to provide the correct MID Number constitutes non-compliance with RA 9679 and may expose the employer to penalties under Section 22 of the law (fines ranging from ₱5,000 to ₱20,000 per violation and/or imprisonment). For the employee, absence of correct remittance results in loss of benefits such as housing loan eligibility, multi-purpose loan, calamity loan, and dividend earnings.
The MID Number is therefore not merely administrative—it is a statutory requirement for lawful employment and continuous coverage under the Pag-IBIG Fund.
The MID Number is Lifetime and Non-Transferable
Once issued, the Pag-IBIG MID Number never changes, even if the member changes employers, becomes unemployed, becomes self-employed, or works overseas. There is only one valid MID Number per person for life.
A new MID Number is issued only when the person has never been registered before. Duplication or multiple MID Numbers is a violation of Pag-IBIG policy and will result in mandatory consolidation.
Legally Accepted Methods to Recover a Lost or Forgotten Pag-IBIG MID Number (Updated as of December 2025)
The Pag-IBIG Fund provides multiple official channels for MID recovery. All methods are free of charge.
1. Online Recovery via Virtual Pag-IBIG (Fastest and Most Recommended Method)
Step-by-Step Procedure:
- Go to https://www.pagibigfundservices.com/virtualpagibig/
- Click “Forgot MID Number?” or “Retrieve MID Number” (the link is prominently displayed on the login page).
- Fill out the online inquiry form with the following exact details:
- Complete name (as registered)
- Date of birth
- Mother’s complete maiden name
- SSS number (if available)
- Present or previous employer (if any)
- Mobile number or email registered with Pag-IBIG
- Complete the CAPTCHA and submit.
- The system will display your MID Number immediately if the information matches exactly.
- Screenshot or copy the MID Number and save it securely.
Success rate: Over 90% when the details provided are accurate and consistent with Pag-IBIG records.
Note: If you previously registered for a Virtual Pag-IBIG account using your old mobile number or email, you may first click “Forgot Password” and reset access, then view your MID Number directly in your profile.
2. Pag-IBIG Mobile App (Android/iOS)
- Download the official “Pag-IBIG Fund Mobile App” from Google Play Store or Apple App Store.
- Open the app and select “Inquire MID Number” or “Membership Inquiry.”
- Input the same details as above.
- MID Number is displayed instantly upon successful matching.
3. Pag-IBIG Hotline (24/7)
Dial 8-724-4244 (PAG-IBIG)
- Press the appropriate IVR option for “Membership Concerns” or “MID Inquiry.”
- Provide your full name, date of birth, mother’s maiden name, and last known employer.
- The agent will verify your identity and provide the MID Number verbally.
- Request that they send the MID Number via SMS to your registered mobile number (this is allowed upon identity verification).
This method is particularly useful for urgent employment requirements when HR is waiting for the number.
4. Branch Visit (Guaranteed Success)
Visit any Pag-IBIG branch nationwide (list available at www.pagibigfund.gov.ph → Branch Directory).
Requirements (one original + photocopy):
- Any two (2) valid government-issued IDs (preferably with birth date and mother’s maiden name visible, e.g., Philippine Passport, Driver’s License, UMID, Voter’s ID, PRC ID, Senior Citizen ID, PhilHealth ID, TIN ID)
- If possible, old payslip or Pag-IBIG Loyalty Card (even if expired)
Procedure:
- Proceed to the Membership Counter.
- Fill out the “Request for Membership Records/MID Number” form (available at the branch).
- Submit IDs and wait 5–15 minutes.
- The branch officer will print your Membership Data Record showing your permanent MID Number (free of charge).
Branch visit is the most reliable method when online verification fails due to name discrepancies (e.g., married name vs. maiden name).
5. Through Current or Previous Employer
Many companies, especially large ones and BPOs, have a dedicated Pag-IBIG coordinator who can:
- Submit a formal letter-request to Pag-IBIG on behalf of the employee, or
- Use the Employer’s Portal (Pag-IBIG eSRS) to search for the employee’s MID Number using SSS number or full name and birth date.
This is legally allowed under Pag-IBIG Circular No. 428 (Employer-Employee Data Reconciliation Program).
6. Email Request (For OFWs and Those Abroad)
Send email to contactus@pagibigfund.gov.ph with subject: “REQUEST FOR MID NUMBER – [Full Name]”
Attach:
- Scanned copy of passport (data page and latest arrival stamp)
- Scanned copy of any previous Pag-IBIG document (if available)
- Selfie holding passport
Body of email must contain:
- Complete name
- Date of birth
- Mother’s maiden name
- Last known Philippine address and employer
- Current foreign address and contact number
Processing time: 1–3 working days. Pag-IBIG will reply with the MID Number.
7. Pag-IBIG Loyalty Card Plus Application (Simultaneous Recovery + New Card)
Apply for the Pag-IBIG Loyalty Card Plus online or at any branch. During the application process, the system automatically retrieves your existing MID Number if records exist. You will receive the card within 7–15 days with your MID Number printed on it.
Special Cases and Common Issues
| Situation | Correct Procedure |
|---|---|
| Name discrepancy (married name vs. registered maiden name) | Visit branch with Marriage Certificate (PSA-authenticated) for data updating and MID retrieval |
| No record found online (first-time employment) | You do not have an MID yet. Employer must register you using Pag-IBIG Form MDF/HDMF-01. New MID will be issued within 5–10 days |
| Multiple MID Numbers discovered | File “Request for Consolidation of MID Numbers” at any branch with PSA Birth Certificate and valid IDs |
| Deceased member’s MID needed for claims | Legal heirs must present Death Certificate and proof of relationship |
| OFW with expired OEC or no local contact | Use email method or call hotline using international dialing (+63287244244) |
Employer Obligations When Employee Cannot Provide MID Number Immediately
Under Pag-IBIG Employer Circulars, the employer may:
- Indicate “TO FOLLOW” or “FOR REGISTRATION” in the first Monthly Remittance Form while waiting for the MID.
- Register the new employee online via the eSRS portal (Electronic Submission of Remittance Reports).
- Pag-IBIG will assign a temporary Registration Tracking Number (RTN), which will be converted to permanent MID within 30 days.
Employers are prohibited from delaying salary release due to missing MID Number (violates Labor Code Article 116).
Prevention of Future Loss
- Save your MID Number in your phone notes, Google Drive, or password manager.
- Apply for Pag-IBIG Loyalty Card Plus (₱125 only) – the card displays your MID permanently.
- Register for Virtual Pag-IBIG account immediately after recovery.
- Inform Pag-IBIG of any change in name, civil status, or contact details within 30 days.
Recovering a lost Pag-IBIG MID Number is a straightforward, free, and statutorily supported process. With the multiple channels now available—particularly the online and hotline services—members can retrieve their lifetime MID Number within minutes, ensuring seamless compliance with employment requirements under Republic Act No. 9679.