What Is the “Check Number” or “Transaction Number” on the SSS Loan Voucher?

If you recently applied for an SSS Salary Loan and received your loan voucher, you might be wondering — “What is this check number or transaction number written here?”

Don’t worry — you’re not alone! Many SSS members see these numbers and think they’re just random codes. But actually, these numbers have specific meanings and purposes that are essential for tracking and validating your SSS loan release.

In this guide, we’ll explain what these numbers mean, how they work, and what to do with them — in simple terms, step-by-step.

🔍 What Is the SSS Loan Voucher?

An SSS loan voucher is a digital or printed proof that your SSS Salary Loan has been approved and released. You can view it when you log in to your My.SSS account after approval.

It shows important details like:

Loan Amount Approved
Net Amount Credited (after deductions)
Pro-rated Interest
Service Charge
Check Number or Transaction Number
Date of Release
Bank Name or Disbursement Channel

The voucher acts as your official receipt and is proof that the money has been sent to your registered disbursement account (like your UMID card or PESONet bank).

💡 What Is the “Check Number” on the SSS Loan Voucher?

The check number is a unique 10- or 12-digit code issued by SSS for every loan disbursement processed through check or PESONet credit.

It serves as your loan disbursement reference ID — similar to how a tracking number works in delivery.

🔸 Purpose of the Check Number:

Identifies your specific SSS loan transaction
Allows banks and SSS staff to trace your fund release
Used for verification or complaint filing
Needed if you contact SSS regarding delayed or missing loan credit

🔸 Where to Find It:

You’ll find it on your SSS Loan Voucher near the top or beside “Transaction Details” — labeled as:

Check No. or Transaction No.

Example:

Check Number: 002586543211
Transaction Date: 10/25/2025

If your loan was sent via PESONet, this number is the PESONet transaction number recorded in the SSS system.

💳 What Is the “Transaction Number”?

When your loan is credited via a bank or e-wallet, SSS no longer uses a physical check — so instead of a “check number,” you’ll see a Transaction Number.

This number serves the same purpose as a check number — a proof of electronic release.

Type of Loan Release	Reference Shown	Purpose
Through Bank (PESONet)	Transaction Number	Used to trace electronic fund transfer
Through Check	Check Number	Used to trace physical check release
Through UMID-ATM	Transaction Number	Confirms automatic credit to your UMID account

If your SSS voucher says “Check Number” but your loan was deposited to your bank, don’t worry — that’s just the system’s standard label. It still refers to your electronic transaction reference.

🧮 Quick Refresher: How the SSS Salary Loan Works

Before we go deeper, here’s a quick refresher on how the SSS Salary Loan works:

Purpose: Short-term cash assistance for employed or self-employed members.
Interest: 8% per annum based on diminishing balance.
Loan Term: 12 months (1-year loan) or 24 months (2-year loan).
Service Charge: 1% of the approved amount.
Pro-rated Interest: Deducted upfront for the first 1.5 months.
Repayment: Automatically deducted from your salary or payable at any SSS-accredited payment channel.

🧩 How to Compute Your SSS Loan Amount (Try the Calculator)

The loan amount depends on your Average Monthly Salary Credit (AMSC) and total contributions.

✅ 1-year loan: Up to 1 month of AMSC (max ₱25,000)
✅ 2-year loan: Up to 2 months of AMSC (max ₱50,000)

👉 You can easily check your estimated loan amount and amortization using the SSS Salary Loan Calculator.

This free calculator helps you see how much you can borrow and what your monthly payment might look like before applying.

📆 Example: How the Voucher Details Work Together

Let’s say your loan amount is ₱20,000 approved on March 12, 2025.

Detail	Description
Loan Amount Approved	₱20,000
Service Charge (1%)	₱200
Pro-rated Interest	₱219.18
Net Amount Credited	₱19,580.82
Check Number / Transaction No.	002589764321
Release Date	March 14, 2025
Disbursement	BPI via PESONet

If you ever need to follow up with SSS or your bank, provide them with your Transaction No. 002589764321 for faster assistance.

🧾 Why the Check or Transaction Number Matters

Here’s why you should take note of it:

Proof of Release – Confirms your loan was sent out.
For Follow-ups – Needed when you contact SSS or your bank.
For Record-Keeping – Helps avoid confusion in case of multiple loans.
For Payroll Deduction Tracking – Links your amortizations to the correct loan.

📝 Pro Tip:
Take a screenshot of your voucher or write down the transaction number before closing your browser. It’s your main proof in case of credit delays.

⚙️ What to Do If Your Loan Has Been Approved but Not Yet Credited

If your voucher shows a check number or transaction number but you haven’t received the money yet:

Wait 1–3 working days after the release date (for PESONet banks).
Verify if your bank account name and number in My.SSS are correct.
Contact your bank with the transaction number.
If unresolved, contact SSS Member Assistance via email or SSS branch.

📩 Email format example:

Subject: SSS Loan Not Yet Credited
Body: “My SSS loan voucher shows Check No. 002589764321 dated Oct 25, 2025, but I haven’t received the amount in my BPI account. Kindly verify.”

⚖️ TL;DR (Summary)

The check number or transaction number is your unique SSS loan release reference.
It appears on your loan voucher after approval.
You’ll need it for follow-ups, verification, and proof of release.
For accurate loan estimates, use the SSS Salary Loan Calculator before applying.
Always save or screenshot your voucher once your loan is released.

❓ FAQs About SSS Loan Voucher and Check Number

1. Is the check number the same as the transaction number?

Not exactly — but they serve the same purpose. A check number is for physical checks, while a transaction number is for PESONet or UMID-ATM credits.

2. Where can I find my SSS loan check number?

3. My loan was approved, but I didn’t receive any money. What should I do?

Wait up to 3 business days, then check your bank or UMID account. If still missing, email SSS with your transaction number for verification.

4. Can I use the check number to track my payment?

No. The check number only applies to loan release, not amortization payments.

5. What if my voucher shows a check number but I don’t have a check?

That’s okay — the SSS system still uses “check number” as a label even for electronic releases via bank.

✨ Final Thoughts

Your SSS loan voucher is not just a piece of paper — it’s your proof of approval, fund release, and accountability record.
Always keep it safe, note down your check or transaction number, and track your loan status properly.

If you’re still planning to apply, try the SSS Salary Loan Calculator to estimate your loan before submitting your application.

What Is the “Check Number” or “Transaction Number” on the SSS Loan Voucher?