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Transfer funds via InstaPay
Conveniently and securely transfer funds from your BPI account to other local banks via BPI Online and Mobile app.
How to use
Transaction Fee (Per Transaction)

Php 25*

Availability

24/7

Crediting

Real-Time**

Transaction Amount Limit (Per Day)

Php 50,000*

Number of Transactions (Per Day)

No limit*

* You can transfer up to an aggregated amount of Php 50,000 per day, per source account.This limit includes cash-ins to other partner apps and websites, load prepaid, load other prepaid, transfers to other BPI accounts (unenrolled), and Instapay transfers, pay e-Gov, pay on delivery and BPI to Cash. A fee of Php 25.00 is charged for every Instapay transaction when sending to other banks and e-money issuers. 

**In case of non-real-time credits to recipients, please expect the funds to be credited by end-of-day from the date of transaction. You may also  send us a message or contact our 24-hour BPI Contact Center at ‎(+632) 889-10000 to check the status of the transaction.

Service features
Convenient

Instantly transfer funds to your friends, families, or other bank accounts via BPI Online and BPI Mobile app.

Available 24/7

Transfer funds anytime, anywhere thru BPI Online or BPI Mobile app.

Safe and secure

No need to withdraw money and physically deposit it to another bank.

How to transfer funds to other banks

1. Log in to BPI Online or BPI Mobile app.

2. Select "Transfer Money" then "Transfer to another bank."

3. Select the bank you want to send money and fill in the details. You may choose any of the following options in sending money to your recipient:

  • By typing in your recipient’s account number.
  • By scanning/uploading your recipient’s QR code*.
  • By typing in your recipient’s bank-registered mobile number or e-mail address**.

4. Confirm the details and enter your Mobile Key or One-Time PIN (OTP) that will be sent to your registered mobile number.


*Available for InstaPay transfers to BDO, Metrobank, Landbank, Unionbank, RCBC, Chinabank, Philippine National Bank, Maybank, Asia United Bank Corporation, Sterling Bank, Philippine Savings Bank, Paymaya, Starpay Corporation, Allbank, Card Bank, Queen City Development Bank, Robinson's Bank Corporation, Rural Bank of Guinobatan Inc.


**Available for InstaPay transfers to Chinabank and Unionbank

How to create and customize your QR Code

1. Log in to BPI Online or BPI Mobile app and select “Other Services.”

2. Select “QR Generator.”

3. Select account to generate QR code.

4. Create a nickname for your QR Code. QR nicknames can have a maximum of 10 alphanumeric characters.

5. Enter the amount (optional).

6. Select “Save to Device.” You can now start sending the QR code instead of giving your account number to receive InstaPay transfers*.


*Available for InstaPay transfers to BDO, Metrobank, Landbank, Unionbank, RCBC, Chinabank, Philippine National Bank, Maybank, Asia United Bank Corporation, Sterling Bank, Philippine Savings Bank, Paymaya, Starpay Corporation, Allbank, Card Bank, Queen City Development Bank, Robinson's Bank Corporation, Rural Bank of Guinobatan Inc.

How to link a mobile number or email address to your BPI Online account?

1. Log in to BPI Online or BPI Mobile app then go to “Other Services.”

2. Under transactions, select “Link a Mobile Number or Email.”

3. Select a deposit account to register and nominate its nickname.

4. Choose whether to link your registered mobile number or email address.

Note: You can only link your mobile number or email one BPI or account at a time.

5. Confirm the details of your transaction. Click on “Confirm.”

6. Enter your One-Time PIN, then select “Submit.” You can now start sharing your mobile number or email address instead of giving your account number to receive InstaPay transfers*.


*Available for InstaPay transfers to Chinabank and Unionbank.

Use InstaPay in BPI Online and BPI Mobile app
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Frequently asked questions
Online Banking
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What is InstaPay?

InstaPay is an interbank funds transfer service under the National Retail Payment System (NRPS) of the Bangko Sentral ng Pilipinas (BSP) which allows clients to electronically transfer funds up to Php 50,000, between their BPI account and other accounts in participating banks and financial institutions in the Philippines, anytime, anywhere.

How do I transfer money via InstaPay?

You may transact transfer money via InstaPay by logging in to your BPI Online or BPI Mobile app. Follow the steps below:
1. Select "Transfer Money" then click "Transfer to another bank".
2. Select the bank you want to send money to and fill in the details.
3. Type in your recipient’s account number. Choose any of the following modes of sending funds to your recipient:

a. By typing in your recipient’s account number
b. By scanning/uploading your recipient’s QR code*
c. By typing in your recipient’s bank-registered mobile number or e-mail address**.

4. Confirm the details and enter your Mobile Key or One-Time PIN (OTP) that will be sent to your registered mobile number.

If you are not yet enrolled in BPI Online, enroll now.


*Available for InstaPay transfers to BDO, Metrobank, Landbank, Unionbank, RCBC, Chinabank, Philippine National Bank, Maybank, Asia United Bank Corporation, Sterling Bank, Philippine Savings Bank, Paymaya, Starpay Corporation, Allbank, Card Bank, Queen City Development Bank, Robinson's Bank Corporation, Rural Bank of Guinobatan Inc.

** Available for InstaPay transfers to Chinabank and Unionbank.

What is the allowed maximum amount and number of transactions?

You can transfer up to an aggregated amount of Php 50,000 per day, per source account.*

*This limit includes cash-ins to other partner apps and websites, load prepaid, load other prepaid, transfers to other BPI accounts (unenrolled), and Instapay transfers, pay e-Gov, pay on delivery and BPI to Cash. A fee of Php 25.00 is charged for every Instapay transaction when sending to other banks and e-money issuers.

How much is the transaction fee?

A fee of Php 25 is charged for every credit transaction when sending to other banks or e-money issuers.

What is the availability of the service?

InstaPay is available 24x7 via BPI Online and BPI Mobile app

When will the funds be credited to the Recipient’s Account?

Funds transferred via InstaPay will be credited to the recipient's account real-time.

In case of non-real-time credits to recipients, please expect the funds to be credited by end-of-day from the date of transaction. You may also  send us a message or contact our 24-hour BPI Contact Center at ‎(+632) 889-10000 to check the status of the transaction.

Which local banks can I transfer to using my BPI QR code?

You may make InstaPay transfers via QR code to our initial partner banks, BDO, Metrobank, Unionbank, RCBC, and Chinabank.

Which local banks can I transfer to using a linked mobile number or email address?

You may transfer funds using a mobile number or email address to our initial partner banks, Unionbank and Chinabank.

Can I import the recipient’s mobile number from my phone’s contact list when transferring via InstaPay on the app?

Yes. You may choose to import a mobile number from your contacts list or manually input it on the transaction page.

What is the maximum number of characters allowed when nominating a nickname for your linked mobile number or email address?

A maximum of 20 characters is allowed in nominating a nickname.

I updated my mobile number/e-mail address and unlinked the old one from my account to link a new one. However, I was informed that an InstaPay transfer has been sent to my old mobile number. What will happen to the transaction?

Only the transactions to mobile numbers or e-mail addresses linked to an active account number will push through. In this case, since the old mobile number is already unlinked, the transaction will be rejected.

When I update my mobile number or email address, will it automatically be linked to my account to receive InstaPay transfers?

No. After successfully updating your mobile number or email address, your device will prompt you to delete your old mobile number or email address to link the updated one.

I only have one BPI account. Can I link both my e-mail address and mobile number to the said account?

Yes, you can link both of your BPI-registered e-mail address or mobile number.

I have three accounts with BPI. Can I enroll all three of them using my e-mail address and mobile number?

No. Only maximum of 2 accounts can be linked  to your BPI-registered e-mail address and mobile number.

Can I share my BPI QR code to receive InstaPay transfers from other banks?

Yes. You may share your existing BPI QR code with the BPI logo in the middle to receive InstaPay transfers from select local banks*.

Take note that the newly-generated QR code will now show the QR PH logo in the middle.

* Available for InstaPay transfers from BDO, Chinabank, Metrobank, RCBC, and Unionbank only.

Who is the clearing switch operator of InstaPay?

Bancnet is the designated clearing switch operator for InstaPay.

Can I change my BPI QR code’s nickname?

Yes. You may generate a new QR code and nominate a new nickname for it.

Are these services secured?

Yes, transactions carried through InstaPay are secured following the BSP-mandated and bank security standards.

How do we ensure the accuracy and security of the transactions?

InstaPay in BPI Online and BPI Mobile app requires a one-time pin verification process to ensure the security of the transaction.

What are the possible purposes or types of transactions than can be made via InstaPay?

The following are the possible types of transactions that can be made via InstaPay.

• Payments to friends or families.
• Payments that are urgent.
• Instant payments in exchange for the release of goods and services.
• An alternative to cash.

Can InstaPay be used to transfer funds to a non-participating institution?

No, you can only make transfers between accounts maintained with InstaPay participating institutions.

What BPI accounts are eligible for InstaPay transfer service?

Regular BPI Peso Savings or Checking Account of individuals can be used as a source account for InstaPay for sending and receiving funds.

USD accounts, Time Deposit, Save-up, SBA/Merchant or Collection Accounts, and Prepaid Cards are not eligible to send/receive funds.

What are the InstaPay participating banks or financial institutions?

See the list of participating banks and financial institutions. You may also visit the BSP website at www.bsp.gov.ph to get regular updates on the participating institutions.

Can I make scheduled transactions?

No, you can only make real-time transactions.

Is it required to pre-enroll the bank accounts that will be the recipient of the funds?

It is not required to pre-enroll the recipient's accounts. You just need to indicate the beneficiary’s complete details when making the transaction.

Will I be notified if my transaction is succesful?

You will receive an e-mail notification regarding your transaction.

Can I request for funds to be recovered if I entered the incorrect account details and the transaction pushed through?

As long as a valid account number is provided, whether or not it is for the intended recipient, the transaction will be considered final and can no longer be cancelled. Thus, we are recommending the sending clients to verify the details to its recipients first before the actual transaction.

Will the system be able to determine if a wrong beneficiary account number or name was inputted?

No. Therefore, it is important to confirm the accuracy of the receiving account information before proceeding to send the funds.

Can I request for cancellation of the transaction?

Once your account has been debited, the transaction is considered final and can no longer be cancelled.

Will there be instances of an unsuccessful credit to the receiving bank?

Yes, here are the possible instances for unsuccessful credit:

• BPI connection is down.
• Bancnet connection is down.
• Receiving bank’s connection is down.
• Account number of Recipient is not existing with the Receiving Financial Institution.

What is the difference between InstaPay and PESONet?

InstaPay and PESONet are two interbank funds transfer services under the National Retail Payment System of the BSP. Here are the differentiating features of InstaPay and PESONet.

In case of rejected transactions or unsuccessful credit, when will the funds be credited back to my source account?

If the transaction is an outright reject (ie. receiving account is not existing), it will be credited to your source account right away. However, if the recipient bank has specific concerns on the receiving account (ie. on-hold accounts, etc), it will be credited back to your source account within 3 banking days. The amount that will be credited will be net of the transaction charge.   Is this the same handling for unsuccessful credit via mobile number, email address and QR code?

How do I report transaction concerns regarding InstaPay?

For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.

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