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Mobile Key
Verify your online banking transactions through biometrics or a nominated PIN code.
Learn how

*Available only when you pay bills, send money to 3rd party accounts, send money to other banks, load e-wallets, and load prepaid phones.

Features
Easy Verification

Use fingerprint or face ID to complete your transactions.

Extra Security

Validate transactions through your preferred device.

Quick Transaction

No need to wait for an SMS One-Time PIN to arrive.

Quick guides

How to activate your Mobile Key

1. Log in to the BPI Mobile App.
2. Select "Mobile Key" from the menu.
3. Click the toggle button of "Mobile Key".
4. Nominate a 6-digit PIN code.
5. Activate your Mobile Key with an OTP (One-Time-PIN).
6. Enable biometrics to authenticate your transactions via fingerprint or Face ID.
7. You're done!

The Mobile Key on your device will be activated in real-time.

How to use the Mobile Key when transacting in the app (Same Device)

1. Confirm the details of your transaction.
2. Use your Mobile Key (PIN, fingerprint, or face ID) to approve your transaction.
3. You're done!

How to use Mobile Key when transacting in BPI Online (Browser)

1. Confirm your transaction details on the browser.
2. Tap the notification received from "BPI Mobile".
3. Enter your Mobile Key (PIN, fingerprint, or face ID).
4. Check the transaction details and click on "Approve".
5. Both app and web screens will display confirmation of your transaction.

Account Settings
Easily and securely personalize your account settings through the browser or mobile app.
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Frequently asked questions

What is the Mobile Key?

The Mobile Key is a more secure and convenient alternative to the One-Time PIN (OTP) to authenticate your online banking transactions. Just key in your PIN, fingerprint, or face ID to approve your transactions.

Why should I use Mobile Key?

The Mobile Key gives you a faster and safer way to approve transactions. Complete your transaction with just a PIN, fingerprint, or face ID.

With your Mobile Key activated, you won’t have to wait for an OTP (One-Time PIN) via SMS.
The Mobile Key function is useful for clients who don't have telco or SMS access.

Please note that mobile data or a Wi-Fi connection is needed to use the Mobile Key.

How many devices are allowed for Mobile Key?

For your security, you can only activate your Mobile Key on one device, also referred to as your Primary Device.

What happens if I install the Mobile Key on another mobile device?

If you need to activate your Mobile Key on a new device and nominate it as your primary device, the Mobile Key on the previous device will automatically be deactivated.

To enable your Mobile Key on a new device, follow the steps below:

1. Log in to the BPI Mobile App.
2. Select "Mobile Key" from the menu.
3. Click the toggle button of "Mobile Key".
4. Click "OK" to confirm Mobile Key activation on your new mobile device. Note that this will deactivate the Mobile Key on the previous mobile device.
5. Follow succeeding instructions on the screen to activate your Mobile Key on the new device with a OTP (One-Time-PIN).
6. You will be given an option to use Biometrics to log in.
7. You're done!

The Mobile Key on your new device will be activated in real-time. You can no longer use the previous device's Mobile Key.

Where can I install and use the Mobile Key?

You can turn on the Mobile Key using your BPI Mobile app.

You can use the Mobile Key to approve transactions in both BPI Online and the app.

What transactions can the Mobile Key be used?

You can use the Mobile Key to:

-Pay bills
-Send money to enrolled and unenrolled third party accounts
-Send money to other banks
-Load e-wallets
-Load prepaid phones

What does approval by biometrics mean?

Aside from fingerprint ID, some devices also have the face ID functionality. You may opt to use fingerprint and face ID instead of a 6-Digit PIN as your Mobile Key to approve transactions on BPI Online or the BPI Mobile app.

Can I deactivate my Mobile Key?

Yes, Mobile Key can be deactivated anytime.

What should I do if my Mobile Key gets deactivated?

You can reactivate Mobile Key anytime.

Can I still use the SMS-OTP instead of PIN code?

To boost your security, Mobile Key authentication will be required for fund transfers to any BPI account via QR code and manual input starting June 3, 2022.

The following transactions still allow authentication via Mobile Key or One-Time PIN (OTP):

- Bills Payment

Note: For transactions like InstaPay transfers, e-wallet loading, and prepaid phone loading, authentication is limited to Mobile Key (PIN, fingerprint, or face ID).

Is there a time limit for the client to enter the PIN code before the Mobile Key request expires?

There is a 90 second time limit.

Who do I contact for concerns about Mobile Key?

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

Mobile Key Guide
Turn on Mobile Key in just a minute.
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