Principal and supplementary Cardholders of the following BPI Credit Cards are eligible for a Cash Advance PIN:

Credit Cards

BPI Blue Mastercard
BPI Gold Mastercard
Petron-BPI Mastercard
BPI Edge Mastercard
BPI Corporate Mastercard*
BPI Amore Cashback Card
BPI Amore Platinum Cashback Card
BPI Platinum Rewards Mastercard
BPI Visa Signature Card

*For Corporate Cardholders, please course all requests through your Company’s Corporate Admin.

Option 1: Principal and supplementary cardholders of the following BPI Credit Cards are not eligible for Cash Advance PIN.

Option 2: No Cash Advance PIN will be issued for the following BPI Credit Card variants.

BPI eCredit Mastercard
BPI Mini Edge Mastercard

You can request by calling our 24-hour BPI Contact Center at (+632) 889-10000 (Metro Manila) or domestic toll free 1-800-188-89100 (Available to PLDT subscribers).

You can go to any BPI ATM and do the following:

a. Choose language
b. Select “Change PIN” from the ATM Menu
c. Enter new four-digit PIN twice
d. Enter pre-assigned PIN found in your PIN Mailer
e. Wait for the confirmation that PIN has been successfully changed 

The cardholder can immediately avail of Cash Advance after successfully changing your pre-assigned Cash Advance PIN.

No. Each BPI Credit Card has a unique pre-assigned Cash Advance PIN.

For security purposes, it is recommended that you change the pre-assigned PIN. To prevent unauthorized use, your PIN must not be divulged to anyone.

Yes. You may call our 24-hour BPI Contact Center at (+632) 889-10000 (Metro Manila) or domestic toll-free 1-800-188-89100 (Available to PLDT subscribers).

Yes, but your supplementary Cardholder can only request for their own Cash Advance PIN. They may call our 24-hour BPI Contact Center at (+632) 889-10000 (Metro Manila) or domestic toll-free 1-800-188-89100 (Available to PLDT subscribers).

The PIN Mailer contains your pre-assigned Cash Advance PIN for your BPI Credit Card/s.

The PIN Mailer will be delivered 7-10 calendar days from date of request.

The PIN Mailer will be delivered to the Cardholder’s registered billing address.

No, the PIN Mailer containing the Cash Advance PIN will only be sent via direct mail.

Each card will have its own Pre-Nominated PIN. Call our 24-hour BPI Contact Center at (+632) 889-10000 (Metro Manila) or domestic toll-free 1-800-188-89100 (Available to PLDT subscribers).

You can go to any BPI ATM and do the ff:

a. Choose the language.
b. Select “Cash Advance/Withdraw”.
c. Confirm if you want receipt.
d. Enter Cash Advance PIN (CAPIN).
e. Enter amount to be withdrawn.

To avail of Cash Advance, you will need to use a BPI Credit Card.

Local
a. Mastercard Cirrus ATM
b. Visa Plus ATM

Abroad
a. Mastercard Cirrus ATM
b. Visa Plus ATM

The minimum amount for Cash Advance transactions is Php 500. 

The Cash Advance limit depends on the BPI Credit Card type the Cardholder has

100% of Total Credit Limit*
BPI Amore Platinum Cashback Card
BPI Visa Signature Card
BPI Platinum Rewards Mastercard


70% of Total Credit Limit*
BPI Gold Mastercard


30% of Total Credit Limit*     
BPI Blue Mastercard
BPI Edge Mastercard
Petron-BPI Mastercard
BPI Amore Cashback Card

*subject to availability of credit limit
 

Yes. A fee amounting to Php 200 will be charged for every Cash Advance transaction.

Note: Additional charges may be applied by other banks’ ATM per transaction.

Cash Advance transactions will be billed on the next statement date.

Finance charges on Cash Advance transactions and Cash Advance fee will be computed from posting date until payment date.

Finance charge - 2%
Effective Interest Rate per month - 2.12%*

*Cash Advance Effective Interest Rate per month = Average Monthly Insterest plus Cash Advance Fee divided by the Avergae Principal Balance. 

Credit-to-Cash is a Special Installment Plan Loan, while Cash Advance is treated as a regular transaction. Please see details below.

The Cash advance Interest Charge are computed as follows.

Total Interest + Cash Advance Fee: Php 4,386.12
Average Outstanding Balance: Php 17,209.00
Finance Charge per month: 2.00%
Effective Interest Rate (per month): 2.12%<sup>1




1</sup>Cash Advance Effective Interest Rate per month = Average Monthly Interest plus Cash Advance Fee of P200 divided by the Average Principal Balance.
²Cash Advance Fee is P200 per transaction.

The available Cash Advance Limit is freed up every after payment subject to the hierarchy of application of payment.

Note: Upon clicking of "Back", this will lead to the Eligibility and Issuance Page.

No, a CAPIN is used for Cash Advance transactions only

No, the CAPIN can only be used at the ATMs for Cash Advance transactions.

You may have exceeded the number of allowable tries. You can reset your PIN by calling our 24-hour BPI Contact Center at (+632) 889-10000 (Metro Manila) or domestic toll-free 1-800-188-89100 (Outside Metro Manila), or visit any BPI Branch.

You may call our 24-hour BPI Contact Center at (+632) (Metro Manila) or domestic toll-free 1-800-188-89100 (Outside Metro Manila), or visit any BPI Branch and report notice of said mail.

Note: Upon clicking "Back", this will lead to the to the Eligibility and Issuance Page