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Transfer Money
Choose the way you transfer funds.
Learn how
Features
Transfer to Own Account

Manage your funds between accounts easily.

Transfer to other BPI Accounts

Transfer funds to unenrolled BPI and BPID accounts by keying-in the account number.

Transfer via QR Code

Transfer funds without keying-in your account number with the use of a QR code.

Create and Customize your QR Code

Create and share your own QR code for easier transactions.

Add an Account to Favorites

Save accounts as Favorites so you can easily send money.

Transfer to Other Local Banks

Make InstaPay transfers using a QR code, account number, email address, or mobile number.

Make a Dollar to Peso Transfer

Convert your US Dollars to Philippine Pesos in real-time with a Dollar account.

Note: The merger of BPI and BPI Family Savings Bank (BFSB) is now official. We have begun merger activities. Until such time that we complete the integration of BFSB accounts with BPI, please continue using your existing BFSB account details to avail of promos. For more information, visit the OneBPI page.

Quick guides

How to transfer money to own account

1. Log in to BPI Online or the BPI Mobile app.
2. Select "Transfer Money" from the menu.
3. Select your source account.
4. Fill in details of the amount and select “Transfer to own account”.
5. Select the account you would like to transfer to.
6. Confirm the details of your transaction. Click on “Confirm”.
7. You're done!

How to transfer money to other BPI accounts

1. Log in to BPI Online or the BPI Mobile app.
2. Select "Transfer Money" from the menu.
3. Select your source account.
4. Fill in details of the amount and select "Transfer to 3rd party".
5. Input details of the destination account by manually keying-in the account number or by scanning/uploading the QR code.
6. Confirm details.
7. For unenrolled accounts, you will be asked to authenticate your transaction via Mobile Key.
8. You're done!

Starting June 3, 2022, authentication of unenrolled transactions via OTP will no longer be used. Please activate your Mobile Key for additional security.

Note:  A transfer fee of Php 10 will be charged to the sender for unenrolled accounts. We recommend the use of the destination QR code or enrolling the account to be transfered to avoid additional charges.

How to transfer money via QR Code

To other BPI accounts:

1. Log in to BPI Online or the BPI Mobile app.
2. Select "Transfer Money" from the menu.
3. Select “Transfer to 3rd party” and fill in the details.
4. Upload/scan the recipient’s QR code.
5. Confirm the details of your transaction. Tap on “Confirm”.
6. Enter your Mobile Key.
7. You're done!

To other local banks:

1. Log in to BPI Online or the BPI Mobile app.
2. Select "Transfer Money" from the menu.
3. Select “Transfer to another bank”.
4. Upload/scan the recipient’s QR code*.
5. Confirm the details of your transaction. Tap on "Confirm".
6. Enter your Mobile Key, then select “Submit”.
7. You're done!

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.

*See the list of participating banks and financial institutions that allow InstaPay transfers via QR code. You may also visit the BSP website to get regular updates on the participating institutions.

Note: A transfer fee of Php 25 per transaction will also be deducted from your account.

How to create a scheduled transaction

You have 3 options to create a scheduled transaction in BPI Online.

Option 1:

1. Login via BPI Online.
2. Select "Other Services" from the menu.
3. Select "Manage Scheduled Transaction".
4. Click "Create scheduled transactions".
5. You're done!

Option 2:

1. Set the schedule while doing your bills pay, transfer money, or prepaid card load transaction.
2. The scheduling option ("Frequency)" is part of the fields to fill out.
3. You're done!

Option 3:

1. After a successful transaction via BPI Online, a pop-up will also appear, asking if you make this transaction regularly.
2. Click "Make this a scheduled transaction".
3. You're done!

How to create and customize your QR Code

1. Log in to BPI Online or the BPI Mobile app.
2. Select “Other Services” from the menu.
3. Click “QR Generator".
4. Select account to generate QR code.
5. Create a nickname for your QR Code. QR nicknames can have a maximum of 10 alphanumeric characters.
6. Enter the amount (optional).
7. Select “Save to Device.”
8. You’re done! 

You may now start using your QR code to receive money instead of giving your account number.

How to enroll an account so that I can transfer money for free

1. Log in to BPI Online or the BPI Mobile app.
2. Select “Other Services” from the menu.
3. Select “Manage Billers and Payees”.
4. Click on “Add new recipient”.
5. Fill in the details and click "Confirm".
6. Enter your Mobile Key to approve enrollment.
7. You're done!

How to add an account to Favorites

After sending to an unenrolled account, prepaid card, or phone, you may choose to save the recipient details as "Favorite."

How to transfer money to another local bank via Instapay

1. Log in to BPI Online or the BPI Mobile app.
2. Select “Transfer Money” from the menu selection.
3. Select “Transfer to another bank”.
4. Select the bank you want to send money to and fill in the details.
5. Choose whether to:

a. Enter the recipient's account number
b. Upload/scan the recipient's QR code**
c. Enter the recipient's registered mobile number***
d. Enter the recipient's registered email address***

6. Confirm the details of your transaction. Click on “Confirm”.
7. Use your Mobile Key PIN or smartphone’s biometrics to approve.

**See the list of participating banks and financial institutions that allow InstaPay transfers via QR code. You may also visit the BSP website to get regular updates on the participating institutions.

*** Available to Chinabank, Metrobank, RCBC, and Unionbank only.

Note: A transfer fee of Php 25 per transaction will also be deducted from your account.

How to link a mobile number or email address to your BPI Online account

1. Log in to BPI Online or the BPI Mobile app.
2. Select “Other Services” from the menu.
3. Under transactions, select “Link a Mobile Number or Email”.
4. Select a deposit account to register and nominate its nickname.
5. Choose whether to link* your registered mobile number or email address.
6. Confirm the details of your transaction. Tap on “Confirm”.
7. Enter your One-Time PIN, then select “Submit”.
8. You're done!

*You can only link your mobile number or email to one BPI account at a time. 

How to make a Dollar-to-Peso funds transfer

1. Log in to BPI Online.
2. Select “Transfer Money” from the menu.
3. Select “Dollar to Peso” tab and fill in the details.
4. Click "Next".
5. Review your transaction details and click “Confirm” to proceed.
6. Transfer done! Keep the details of your transaction for reference.
7. You're done!

Note: The Dollar to Peso funds transfer facility is available 24/7 to card-based BPI US Dollar and Peso accounts.

How to make a USD-to-USD transfer

1. Login to BPI Online or the BPI Mobile app.
2. Go to menu and select “Transfer Money”.
3. Select your USD source account.

For Transfer to Own:

a. Select “Transfer to Own Account".
b. Input the required details.
c. Confirm the details.
d. You’re done!

For Transfer to 3rd Party*:

a. Select “Transfer to 3rd Party”.
b. Input the required details.
c. Confirm the details and authenticate your transaction via Mobile Key.
d. You’re done!

*Note: USD-to-USD transfers are only available for BPI-to-BPI transactions.

How to delete scheduled transactions

Deleting scheduled transactions is only available in BPI Online.

1. Login via BPI Online.
2. Select "Other Services" from the menu.
3. Select "Manage Scheduled Transaction".
4. Choose a source account. A list of scheduled transactions under that account will appear.
5. Select the scheduled prepaid transaction you would like to delete.
6. Select “Delete” and a pop-up will appear.
7. Tap “proceed” to delete.
8. You're done!

Start transferring money with BPI Online
Not yet registered on BPI Online?
Register with your Deposit or Credit Card Accounts.
Get started
Already have an existing BPI Online account?
Log in to BPI Online today.
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Transfer via QR Code
Generate a QR Code and make error-free money transfers with the BPI Mobile app.
Watch how
Frequently asked questions

Is there a limit to the amount that I can transfer in a day?

For own and enrolled accounts, there's no limit to the amount that you can transfer.

For unenrolled accounts, you can transfer up to an aggregated amount of Php 250,000* per day. 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), Instapay transfers, pay e-Gov, pay on delivery, and BPI to Cash.

*A higher limit is available to Preferred and Private Banking clients

Note: You may customize your transfer limits. Please see steps on how to set transfer limits.

What is the maximum number of accounts I can enroll as third party?

You can now enroll up to 99 accounts.

Can I delete an enrolled account in real-time?

​​​​​​​Yes, deletion of an enrolled account can be done in real-time.

Will I be able to transfer funds to other BPI accounts and other banks if my Mobile Key isn't activated?

No. You must activate your Mobile Key to proceed with these transactions.

Can I generate a unique BPI QR code for each of my accounts?

Yes, you can generate a QR code for each account that you own.

How will I transfer funds if Mobile Key is unavailable?

The option to authenticate transactions via One Time Pin (OTP) will be activated when Mobile Key is unavailable due to systems maintenance.

Which local banks can I transfer to using QR code?

See the list of participating banks and financial institutions that allow InstaPay transfers via QR code. You may also visit the BSP website to get regular updates on the participating institutions.

Can I share my current BPI QR code to receive InstaPay transfers?

Yes. You may still share your current QR code that shows the BPI Escudo in the middle. Please take note that the newly-generated QR code will now show the QR PH logo in the middle.

Note: See the list of participating banks and financial institutions that allow InstaPay transfers via QR code. You may also visit the BSP website to get regular updates on the participating institutions.

Can I change my BPI QR code’s nickname?

Yes. You may generate a new QR code and nominate a new nickname for it.

Will my account number be visible during the transaction once my BPI QR code is scanned?

No. Only the last 4-digits of your account number will be displayed during the transaction and the rest of your account number will be masked.

Can I link my BPI account to both my registered mobile number and email address at the same time to receive InstaPay transfers?

Yes. You may link your BPI account to both your registered mobile number and email address.

Note: Only one account can be linked to your registered mobile number and email address

What are the InstaPay participating banks or financial institutions?

See the list of participating banks and financial institutions. You may also visit the BSP website to get regular updates on the participating institutions.

What is the maximum number of characters allowed when nominating a nickname for your linked mobile number or email address?

A maximum of 20 characters is allowed in nominating a nickname.

Which local banks can I transfer to using a linked mobile number or email address?

You may transfer funds using a mobile number or email address to our initial partner banks:

Chinabank
RCBC
Unionbank

Can I import the recipient’s mobile number from my phone’s contact list when transferring via InstaPay on the app?

Yes. You may choose to import a mobile number from your contacts list or manually input it on the transaction page.

When I update my mobile number or email address, will it automatically be linked to my account to receive InstaPay transfers?

No. After successfully updating your mobile number or email address, your device will prompt you to delete your old mobile number or email address to link the updated one.

What is the Recent and Favorites features?

Recent - BPI Online lists your last 3 transactions for easy recall.
Favorites - You can save up to 10 favorite unenrolled accounts, prepaid cards, or phones.

Is there a cut-off time for Dollar to Peso funds transfer transactions?

Yes. This service is only available from Mondays to Fridays (except on holidays), from 9:30 AM to 9:30 PM Philippine Standard Time.

Is there a cut-off time for Dollar-to-Peso and USD-to-USD funds transfer transactions?

No. Both Dollar-to-Peso and USD-to-USD funds transfer is are available 24/7.

What is the allowed maximum transfer amount per day for USD-to-USD transfers?

Clients may transact up to $1,000 per account*.

*Note: This is on top of your daily transaction limit of Php 250,000 for regular clients or P500,000 for Preferred and Private Banking clients.

What BPI accounts are eligible for USD-to-USD transfers?

USD-to-USD transfers are only available for the following accounts:

a. USD Regular Savings
b. USD Maxi Saver
c. USD Pamana Savings; and
d. USD Settlement Accounts

Can I transfer dollars to another bank?

No. USD-to-USD transfers are only available for BPI-to-BPI transactions.

Can I transfer dollars to BPI Family Savings dollar accounts?

No. USD-to-USD transfers are only available for BPI-to-BPI transactions.

Can I transfer dollars via QR?

No. You may only choose to select from your own accounts (“Transfer to Own Account”) or manually type the account number of the dollar account (“Transfer to 3rd Party”) you want to transfer funds to.

Can I make scheduled USD-to-USD transfers?

No. Scheduled transfers are only available to PHP accounts.

Who can I contact for concerns about BPI Online?

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

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