Loans frequently asked questions

Your housing loan / auto loan / motorcycle loan with Robinsons Bank remains unaffected while we go through our integration activities after the merger.  

When your housing loan account / auto loan / motorcycle loan is integrated with BPI, your loan account number will be updated with a new BPI loan account number.  Your interest, amortization schedule and other details for your loan account will remain the same.  You will receive a notification regarding these changes after the integration of your loan account takes effect.

If your Robinsons Bank housing loan / auto loan / motorcycle loan account has not yet been integrated with BPI, you can continue paying through any Robinsons Bank branch and online channels.  

If you are using your Robinsons Bank deposit account as settlement account (SETA) for your Robinsons Bank housing loan / auto loan / motorcycle loan payments via auto-debit arrangement (ADA):

1) Your housing loan / auto loan / motorcycle loan account will be updated with a new BPI loan account number, which will take effect after the integration of your SETA.

2) Your payments will start to be debited from your new BPI SETA. Please ensure that this is sufficiently funded to cover the amount of your monthly amortization. Otherwise, the ADA will not proceed and the loan will become past due.

If your housing loan / auto loan / motorcycle loan is not enrolled in ADA and your loan payments are done through Robinsons Bank branches and other channels, you will receive a notification after the effective date of your housing loan / auto loan / motorcycle loan’s integration with BPI so that you can start transacting with BPI branches or other BPI channels for your payments.  

1) Housing Loan - For now, the interest rates and payment terms of your existing loans will remain the same unless your loan is subject to repricing. You will be notified of any upcoming repricing dates in advance.

2) Auto Loan / Motorcycle Loan – At this time, there will be no change to the interest rates of your existing auto loan / motorcycle loan account with Robinsons Bank. You will be notified of any change upon integration of your auto loan / motorcycle loan account with BPI.

There is no need to fill-out or sign loan documents. The loan documents that you signed with Robinsons Bank will be recognized and honored by BPI.

This protects the collateral against accidents, theft, and third-party liabilities and complies with the loan requirements. Insurance should be endorsed to, and the policy delivered to RBC (now BPI) as the mortgagee.  

• Opt for Comprehensive Insurance Policy from BPI MS, the insurance subsidiary of BPI.
• Submit your own self-procured Auto Insurance Policy. 

BPI could refer you to BPI MS who would assist you through the application process and payment steps. If you would like to be referred, please let us know by emailing us at RBRetailLoanSupport@bpi.com.ph. Once referred, please expect BPI MS to contact you directly to guide you through the process. Or you may also contact BPI MS directly at 8840-9000 or send an email to helpline@bpims.com.

To proceed, you need to provide:

• A completed application form
• A valid government-issued ID

BPI MS offers flexible payment options, including:

• Over-the-Counter Payment at any BPI branch using your payment reference number
• BPI Online Banking using your payment reference number
• GCash using your payment reference number
• Credit Card Installment