Transfer funds via InstaPay

You can go through the BPI app or BPI via web browser to make InstaPay or PESONet money transfers using your recipient’s account number, contact details*, or QR code.   

Using your recipient’s account number or contact details:  

1. Log in to the BPI app or BPI via web browser. 

2. In the main menu, select Transfer > To another bank.   

3. Select the account you want to transfer from, then select the bank of your recipient in the InstaPay tab. 

4. Tap or click Transfer using and select which details you’ll be transferring with:  

• Account number  
• Email address* 
• Mobile number*  

5. Type in the account details of your recipient. 

6. Enter the amount you want to transfer.  

7. Review the details of your transaction, including the transfer fee and the total amount to be deducted from your account. Then hit Confirm.**  

8. Approve the transaction with Mobile Key.   

You’re done! 

*This only works if your recipient’s bank is Chinabank, Metrobank, RCBC, or Unionbank. 

**The InstaPay transfer fee is Php 10 per transaction and Php 50 for PESONet. Promo runs from March 7 to May 31, 2025. Learn about the Php 10 fee here.

Using your recipient’s QR code: 

1. Log in to the BPI app or BPI via web browser. 

2. In the main menu, select Transfer > To another bank.   

3. Select the account you want to transfer from, then select the bank of your recipient in the PESONet tab. 

4. Tap or click Do you have a QR code? 

5. Scan the QR code or upload it from your device.  

6. Enter the amount you want to transfer, if needed.  

7. Review the details of your transaction, including the transfer fee and the total amount to be deducted from your account. Then hit Confirm.**  

8. Approve the transaction with Mobile Key.   

You’re done! 

1. Log in to the BPI through your BPI app or web browser then tap or click the settings icon (⚙️) in the upper right corner.

2. Scroll down to the Transactions section, then select QR generator. 

3. Select the account you want to generate a QR code for.

4. Type in the nickname you want to give your account and, if you want, the amount you want to receive through the QR. 

5. Tap Generate, then Save to device. 

If you’re using the BPI app, you also have the option to share your QR through other apps. Just tap the share icon in the upper right. 

For other banks to send you money through your mobile number or email address, you need to link your contact details to one of your BPI accounts. You can do this through the BPI app or via web browser. 

Using the BPI app: 

1. Log in to the BPI app and tap the settings icon (⚙️) in the upper right corner. 

2. Scroll down to Transactions, tap Link a mobile number or email address.

3. Choose if you want to Link mobile number or Link email address.* 

4. Select the deposit account where you want to receive money. 

5. Enter the nickname you want people to see when they transfer money to you through your mobile number or email address.

6. A pop-up will appear prompting you to send a One-Time PIN (OTP). Tap Yes, send me the code.

7. Enter the OTP sent to your registered mobile number. 

That’s it! You can now receive money through your mobile number or email address.**

*Your mobile number and email address can have only one linked out each.  

**Only transfers from the following banks can be sent through your linked contact details: 

• Bank of China
• China Bank
• China Bank Savings
• Komo
• Asenso
• RCBC
• Standard Chartered
• UnionBank
• Mindanao Consolidated Cooperative Bank
• Wealth Development Bank 

Using BPI via web browser: 

1. Go to online.bpi.com.ph and log in. 

2. Click the settings icon (⚙️) in the upper right corner. 

3. Scroll down to Transactions, then click Link a mobile number or email address.

4. Choose if you want to Link mobile number or Link email address.* 

5. Select the deposit account where you want to receive money. 

6. Enter the nickname you want people to see when they transfer money to you through your mobile number or email address.

7. A pop-up will appear prompting you to send a One-Time PIN (OTP). Tap Yes, send me the code.

8. Enter the OTP sent to your registered mobile number. 

That’s it! You can now receive money through your mobile number or email address.**

*Your mobile number and email address can have only one linked out each.  

**Only transfers from the following banks can be sent through your linked contact details: 

• Bank of China
• China Bank
• China Bank Savings
• Komo
• Asenso
• RCBC
• Standard Chartered
• UnionBank
• Mindanao Consolidated Cooperative Bank
• Wealth Development Bank

InstaPay is an interbank funds transfer service under the National Retail Payment System (NRPS) of the Bangko Sentral ng Pilipinas (BSP) which allows clients to electronically transfer funds up to Php 50,000 per transaction, between their BPI account and other accounts in participating banks and financial institutions in the Philippines, anytime, anywhere.

These are the default limits per transaction:

• Send money to other banks via InstaPay: Php 50,000
• Send money to other banks via PESONet: Php 250,000

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 BPI Preferred, BPI Gold, and BPI Private Wealth clients.

You can adjust the limits on the BPI app. Log in to the app, tap the settings icon (⚙️) in the upper right corner then scroll down to Transactions. Tap Customize transaction limits.

A fee of Php 10* is charged for Instapay transfers to other banks or e-money issuers.

*Promo runs from March 7 to May 31, 2025. Learn about the Php 10 fee here.

Note: For unsuccessful transfers, applicable fees will be refunded.

InstaPay is available 24/7 via BPI Online and the BPI app.

Funds transferred via InstaPay will be credited to the recipient's account real-time.

In case of non-real-time credits to recipients, you may send us a message or contact our 24-hour BPI Contact Center at ‎(+632) 889-10000 to check the status of the transaction.