Advisory: BPI Credit Cards Recent Transactions in BPI app and BPI online

Recent Transactions refer to transactions that have been authorized, reflected in the BPI Credit Card system, and deducted from the available credit limit. 

Once confirmed by the merchant, these transactions will be included in the ‘Outstanding Balance,’ posted in the Transaction History on the BPI app or BPI Online, and reflected in the Statement of Account. 

Yes. Credit cardholders can view, in real time, the merchant category description and transaction amount of their recently approved transactions.  

On the BPI app: Recent transactions appear under the “Recent Transactions” label in your card’s Transaction History within the Card Overview screen. 

On BPI online: Recent transactions are displayed without a transaction date until they are posted.

Merchant Category Description refers to the primary industry type under which the merchant is included. Examples include Amusement/Entertainment, Airlines, Hotels, etc.   

Here is a list of the category descriptions you may see in your Transaction History: 

1. Cash Advance – ATM 

2. Cash Advance – OTC 

3. Hotel/Resorts/Leisure/Sports 

4. Health Services 

5. Government Services 

6. Transportation  

7. Airlines 

8. Travel Services 

9. Appliances 

10. Specialty Stores  

11. Clothing/Shoe Stores  

12. Sporting Goods  

13. Department Stores  

14. Drug Stores  

15. Electronics 

16. Fuel  

17. Automotive  

18. Home Supply/Hardware  

19. Insurance  

20. Retail/Convenience Store  

21. Digital goods  

22. Amusement/Entertainment  

23. Utilities  

24. Telecommunication Equipment  

25. Service Provider  

26. Schools 

27. Supermarket  

28. Warehouse/Wholesale 

29. Payment Services  

30. Vehicle Rental  

31. Restaurant  

32. Gaming Transaction  

33. S.I.P. Loan/Other Transaction  

34. General Spend Transaction  

35. Book Stores  

36. Bakery Goods  

37. Cosmetics  

38. Pet Stores/Supplies  

39. Barber/Beauty Shops  

40. Advertising  

41. Organizational/Social Services 

Recently approved transactions are displayed in real-time on both the BPI app and BPI online.

BPI app 

To view Recent Transactions: 

1. Go to My Accounts and select the desired BPI Credit Card 

2. Scroll down the page and select Card Overview 

3. Recent transactions are displayed in the "Transactions after latest statement" section, under the ‘Recent Transactions’ divider label. 

BPI online 

To view Recent Transactions: 

1. Go to My Accounts and select the desired BPI Credit Card  

2. Scroll down the page and select Card Overview 

3. Recent transactions are displayed in the "Transactions after latest statement" section where the transaction date is not yet available.

Foreign transactions shall be displayed in Philippine Peso, using an initial foreign exchange rate based on the transaction date. Please note that once the transaction has been confirmed by the merchant and posted, the peso conversion shall be finalized. The final amount will reflect the foreign exchange rate at the time of posting, plus any applicable foreign currency service fees.