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 20,000,000 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 Mobile app (for Individual clients)	BPI BizLink (for Corporations and Businesses)
Transaction Fee for Sending Funds	Php 25 per credit transaction	Php 50 per credit transaction