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- Transfer Funds to other Banks
- Transfer Funds via PESONet
Php 50*
Banking days
Same Day**
Php 250,000***
No limit***
*The transaction fee is waived for Preferred and Private Banking clients.
**PESONet transfer requests done before 4:00 PM will be credited to the recipient accounts on the same day.
***Transfer up to Php 250,000 per day for regular clients, Php 500,000 per day for Preferred and Private Banking clients, and Php 20,000,000 per day for Business Banking and Corporate Banking clients. This limit includes cash-ins to other partner apps and websites, loading your own prepaid number and other prepaid numbers. It also includes transfers to other unenrolled BPI accounts, InstaPay transfers, pay eGov, pay on delivery, and BPI to Cash.
Avoid carrying loads of cash by conveniently transferring funds of more than Php 50,000 online.
Make your day-to-day operations more efficient by doing your transactions online.
No need to withdraw money and physically deposit it to another bank.
Via Online/Mobile App
1. Login at BPI Online or at the BPI Mobile App.
2. Select "Transfer Money" from the menu selection.
3. Select "Transfer to: Another bank" then choose "PESONet".
4. Fill-in details of transaction.
Via BizLink
1. Fill out the enrollment form and submit documentary requirements* through your branch or Relationship Manager.
2. Once enrolled, you may now transact PESONet via BPI BizLink:
   a. Login to BPI BizLink.
   b. Click Payments and Transfers >>> Pay Non-BPI.
   c. Select your Corporate Code.
   d. Choose Single or Multiple Entry.
   e. Fill in the details and click Submit.
Important Note: Make sure that the recipient details are accurate before proceeding with the transaction.
*Non-BizLink users must submit additional documentary requirements.
PESONet 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 high-value funds between their BPI account and other accounts in participating banks and financial institutions in the Philippines.
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.
a. Individuals — Php 250,000*
b. Non-individuals — Php 20,000,000**
This limit includes cash-ins to other partner apps and websites, load prepaid phone and prepaid card, load other prepaid, transfers to other BPI accounts (unenrolled), interbank funds transfers, Pay e-Gov, Pay on delivery, and BPI to Cash.
*A higher limit is available to Preferred and Private Banking clients.
**It is still subject to the receiving bank is maximum amount per transaction limit.
Note: You may customize your transfer limits. Please see steps on how to set transfer limits.
1st Batch — 10:00 AM cut-off
2nd Batch — 4:00 PM cut-off
If the transaction is within the cut-offs, it will be credited on the same day. If the transaction was made after the 4:00 PM cut-off or during weekends and holidays, it will be processed and credited on the next banking day.
For BizLink PESONet transactions, if the transaction was made not within 7:00 AM and 4:00 PM during weekends and holidays, it will be processed and credited on the next banking day.
PESONet transaction in the BPI Online or BPI Mobile App is done with a confirmation process before approving the transaction. This will help in reassuring the accuracy of the transaction.
PESONet transaction in BPI BizLink is enabled by a maker-checker facility, wherein authorized personnel of the company will be assigned as maker (to input the transaction details) and as checker (to approve the transactions) with corresponding usernames and passwords, before it goes through the system for processing.
The following are the possible types of transactions that can be made via PESONet:
a. Payments to a Payee or several Payees.
b. Bulk payments that are not urgent or can be made within 1-2 days.
c. Settlement of commercial obligations or supplier payments.
d. Payroll to other banks.
e. Payee is not online.
f. An alternative to checks.
BPI Peso Savings or Checking Account (Individual and Corporate Accounts) can be used as source account and for receiving funds.
USD account, Time Deposit, Save-up, SBA/Merchant or Collection Accounts, and Prepaid Cards are not eligible to send/receive funds.
No, you can only make transfers between accounts maintained with PESONet participating institutions.
See updated list of PESONet participating institutions.
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.
Yes, here are the possible instances for unsuccessful credit:
a. BPI connection is down
b. PCHC connection is down
c. Invalid payee account number (may be incorrect, closed, dormant, blocked, frozen)
d. Name of the beneficiary account does not match the name of the beneficiary submitted
e. The currency of the beneficiary account is not in PHP (Philippine Peso)
You may proceed to the nearest BPI branch, send us a message, or call our 24-hour BPI Contact Center at (+632) 889-10000 for Metro Manila or 1-800-188-89100 for domestic toll-free calls.
You may also call or email the following:
Corporate Banking Group
Telephone: (+632) 8790-1400
Email Address: clientservicing@bpi.com.ph
Business Banking Group
Telephone: (+632) 7918-2000, press 1
Email Address: bizlink@bpi.com.ph
Transfer Funds via InstaPay
Conveniently and securely transfer funds from your BPI account to other local banks.
Learn HowFor inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.
BPI is a proud member of