Transaction fee
Php 25*

Charge per transaction


Transfer funds anytime, anywhere through BPI Online or the BPI Mobile app


No waiting time for the transaction to reflect to your account

Transaction amount limit
Php 50,000**

Amount limit per day

Number of transactions
No limit

Transaction limit per day

*The transaction fee is waived for Preferred and Private Banking Clients


**Default transaction amount limit is Php 50,000, but you may transfer up to Php 250,000 per day for regular clients and Php 500,000 per day for Preferred and Private 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.

Transfer funds icon


Instantly transfer funds to your friends, families, or other bank accounts via BPI Online and BPI Mobile app. No need to withdraw money and physically deposit it to another bank.

Available 24/7 icon

Available 24/7

Transfer funds anytime, anywhere through BPI Online or BPI Mobile app.

Tax-free interest icon

Enjoy tax-free interest for optimized earnings*

No withholding tax on interest earnings.

Quick guides
Use InstaPay in BPI Online and BPI Mobile app


Discover how BPI Online can make your everyday banking easier.


Bank wherever you are with the BPI Mobile app.

InstaPay & PESONet features

See the differentiating features of InstaPay and PESONet.
Frequently asked questions
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