Use PESONet for large transfers

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 PESONet 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. 

**A fee of Php 25 is charged for InstaPay transfers, while Php 50 is charged for PESONet transfers to other banks or e-money issuers. 

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

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 app or BPI via web browser. 

2. Tap  More  from the menu and Select General Settings. 

3. Tap on Link a mobile number or email address. 

4. Tap Link email address  or  Link mobile number. 

5. Select the account where you want to link your email or mobile number to. 

6. Review the details and tap Confirm. 

7. Input your One-Time-PIN. 

 
You’re done! You may now start using your email address or mobile number to receive money instead of giving out your account number. 

 
*You can only link (1) BPI account to your email address and another BPI account to your mobile number.

PESONet 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 high-value funds between their BPI account and other accounts in participating banks and financial institutions in the Philippines.

InstaPay and PESONet are two interbank funds transfer services under the National Retail Payment System of the BSP. Here are the differentiating features of InstaPay and PESONet:

These are the default limits per transaction:

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

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 50 is charged for PESONet transfers to other banks or e-money issuers. 

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

PESONet is available 24/7 via BPI.