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.

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.

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.

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

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

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.

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

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

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

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

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.

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.

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

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

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.

Bancnet is the designated clearing switch operator for InstaPay.

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

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

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

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.

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

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.

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.

No, you can only make real-time transactions.

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.

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

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.

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

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

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.

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.

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?

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