InstaPay & PESONet Features

	InstaPay	PESONet
Transaction Amount Limit	Php 50,000 per day per account but amount is aggregated with “BPI Transfer to Anyone” feature.	Php 250,000* but subject to receiving bank’s maximum amount per transaction limit.
No. of Funds Transfer Transaction per day	No Limit	No Limit
Availability of Service	24 x 7	Banking days only
Availability of Funds to the Recipient’s Account	Real-time credit	Same day credit**
Channels	BPI Online BPI Mobile App	BPI Online BPI Mobile App BPI BizLink Note: BPI BizLink is for Businesses and Corporations
Transaction Fee for Sending Funds	Php 25 per credit transaction***	Php 50 per credit transaction***

*Transaction Amount Limit is increased for the following 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.

**PESONet transactions done after 4:00 PM will be processed the next banking day.

***InstaPay and PESONet transaction fees are waived for Preferred and Private Banking clients.