Account Maintenance and Transaction Fees

Particulars	Service Charge
Cash Deposit (Over-the-counter through the branch)*
Branch of Account	Free
Intra-Region**	Free
Inter-Region***	Below Php 50K	Php 50
	Php 50K to Php 499K	Php 100
	Php 500K to Php 999K	Php 500
	Php 1M and above	Php 1,000
#SaveUp Account (Digital Savings Account)	Below Php 50K	Php 50
	Php 50K to Php 499K	Php 100
	Php 500K to Php 999K	Php 500
	Php 1M and above	Php 1,000
Cash Deposit via Cash Acceptance Machine (CAM)	Free
Over-the-Counter Check Deposit	Free
Over-the-Counter Cash Withdrawal from a Passbook Account*	Free
Check Encashment
Branch of Account	Free
Intra-Region**	Php 100.00 per encashment
Inter-Region***	Php 100.00 per encashment
Maximum Number of ATM Withdrawals per Day	6
Over-the-Counter Peso Cash Withdrawal from ATM/Debit Card-based Account*
Within ATM Withdrawal Limit	Php 100.00
Beyond ATM Withdrawal Limit	Free for a limited period
Monthly Service Charge for Falling Below the Required ADB****
Maxi-One with Passbook	Php 500
Other Peso Deposit Accounts	Php 300
Dollar Savings Accounts	USD 5
Third Currency Passbook Savings Accounts	AUD 8
	CAD 7
	CHF 7
	EUR 4.50
	GBP 3.50
	JPY 600
	CNY 35
Monthly Dormancy Charge*****
Peso Deposit Accounts	Php 30
Dollar Deposit Accounts	USD 0.60
Third Currency Passbook Savings Accounts	AUD 0.80
	CAD 0.70
	CHF 0.60
	EUR 0.55
	GBP 0.50
	JPY 68
	CNY 4
Fee for Closing within 1 Month from Date of Opening
Peso Deposit Accounts	Php 500
Dollar Deposit Accounts	USD 15
Third Currency Passbook Savings Accounts	USD 15 equivalent
Service Charge per Excess Withdrawal
Jumpstart Account (4 free withdrawals per month)	Php 10
Platinum Savings (no longer offered)	Php 50
Multi-earner (no longer offered)	Php 25
Saver Plus (2 free withdrawals per month)	Php 18
BPI Debit Card Transactions View the applicable BPI Debit Card Fees here.
Over-the-Counter Funds Transfer via Debit/Credit Memo Free for investment-related purposes
Individual	Php 50 per transfer
Corporate*	Php 100 per transfer
Dollar Deposit Accounts	USD 1
Over-the-Counter Funds Transfer for #SaveUp Account (Digital Savings Account)	Php 50 per transfer
Stop Payment Order (SPO) Application (per check)
Peso Checks	Php 200
Dollar Checks	USD 20
Overdraft (OD) Accrual Charge
Fee	25.2% p.a. on OD amount
Subject to a minimum of	Php 26.25
Foreign Currency Cash Deposit******
USD	Free for the first USD 5,000 per day; In excess, Php 0.15 per USD 1 or a fraction thereof
Third Currency	Free for the first USD 5,000 per day; In excess, Php 0.15 per USD 1. equivalent or a fraction thereof
Foreign Currency Check Deposit	USD 5
BPI Online / BPI Mobile App Transactions
Funds Transfer to BPI Enrolled Accounts (BPI Online / Mobile App)	Free
Funds Transfer to BPI Unenrolled Accounts (BPI Online / Mobile App)	Php 10
Funds Transfer to Other Banks via Instapay (BPI Online / Mobile App)	Php 25
#SaveUp (Digital Savings Account)
Maximum Period to Fund the Account Starting from Account Opening Date	7 Days (If account is still at zero balance after 7 days, the account will be automatically closed.)

*As of April 5, 2021

**Intra-Region - Any branch other than Branch of Account, within the same Region, e.g. NCR to NCR

***Inter-Region - Any branch other than Branch of Account, in a different Region, e.g. NCR to Region I, etc.

****Monthly Service Charge applies if account falls below the required minimum average daily balance for two consecutive months.

*****Dormancy charge is collected starting on the 5th year, only if dormant account’s balance has fallen below the required minimum average daily balance (ADB). Account will be considered dormant if there is no client-initiated transaction within 1 year for Current Accounts and within 2 years for Savings Accounts.

******Threshold of USD 5,000 applies to Retail/Individual clients only. For non-Retail/Individual clients, the fee will be applied to the full deposit amount.

Bank Service Fees