| InstaPay | PESONet | |
|---|---|---|
| Transaction Amount Limit | PHP 50,000 Per transaction | PHP 250,000 A higher limit of PHP 500,000 per day is available to BPI Preferred, BPI Gold, and BPI Private Wealth clients. For Business Banking and Institutional Banking clients, a limit of PHP 20,000,000 is available.* |
| 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 banking day Next banking day for transactions made after 4:00 PM.** |
| Channels | BPI online BPI app | BPI online BPI app BizLink Note: BizLink is for Businesses and Corporations |
| Transaction Fee for Sending Funds | PHP 0 Free for all BPI clients | PHP 0 Free for all BPI clients who transact via the BPI app or BPI online Note: Starting August 1, 2026, BizLink clients can transfer funds to other banks through Pay Non-BPI via PESONet free of charge. |
*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 Institutional 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.
