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Virtual Prepaid Card
Get a free reloadable virtual prepaid card when you open a #SaveUp account online.
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The Secure Online Shopping Card

The Virtual BPI ePay Mastercard allows you to securely shop at your favorite online stores here and abroad. You can also conveniently load your virtual card through BPI electronic channels.

Features
Hassle-free card application

Get the card for free when you open a #SaveUp account online.

Easy access to card details

Simply log into your BPI Mobile App to see your card details.

Use online wherever Mastercard is accepted

Accepted for online payments here and abroad.

Convenient online loading

Load up to Php 100,000 with our loading channels. No loading fees and maintaining balance.

Secure online payments

Supports 3D secure transactions (OTP) to protect ecommerce purchases.

Get the virtual prepaid card together with this savings account

#SaveUp

An all-digital savings account that allows you to do more and earn more.

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Quick guide

How to get a virtual prepaid card*

Getting a virtual prepaid card is easy. It comes free when you open a #SaveUp account online.
Simply download the BPI Mobile App and follow the steps below:

 
1. Open the BPI Mobile App.
2. Tap on "Open a New Account" and choose "Create a bank account".
3. Follow the steps and fill out the required details.
4. Tick “I’d like to get the BPI ePay Mastercard”.
5. Upon receipt of the confirmation email, your Virtual BPI ePay Mastercard is created and can be viewed in your BPI Online account

*Exclusive to new to bank clients and bundled with a digital savings account.

How to load my virtual prepaid card

Load your virtual BPI ePay Mastercard using the various BPI channels.

BPI Online
1. Log in to BPI Online using your BPI Online user ID and password.
2. Click the “Transfer Money” tab, then “Load Prepaid Card” tab.
3. Choose a source account.
4. Enter amount to be loaded.
5. Click “Load to 3rd party prepaid card”.
6. Key in the 16-digit Virtual BPI ePay Mastercard number.
7. Click “Next”, then “Confirm” to confirm your loading transaction details.
8. Click “Yes” for the 6-digit code to be sent via SMS.
9. Enter the 6-digit code sent to your mobile number, then click “Submit”.
10. Click “Submit” and wait for the confirmation prompt.
11. The amount transferred will automatically be credited to your Virtual BPI ePay Mastercard.

BPI Mobile App
1. Log in to the new BPI Mobile app.
2. Tap the Side Menu icon found at the upper left corner of the screen.
3. Select “Transfer”, then select “Load Prepaid Card”.
4. Fill in the required details and tap “Next” to proceed.
5. Get the One-Time PIN (OTP) by tapping "Yes, send me the code".
6. Enter the OTP sent to your registered mobile number and tap "Submit".
7. The amount transferred will automatically be credited to your Virtual BPI ePay Mastercard.

How to use my virtual prepaid card

Your virtual BPI ePay Mastercard can be used wherever Mastercard is accepted online here and abroad.

Online
Use it just like how you would use a credit card for online purchases.
1. Select Mastercard Credit Card as mode of payment.
2. Input the following card details:
a. 16-digit Virtual BPI ePay Mastercard number
b. CVV 2/ Card Verification Value 2
c. Card Validity period
3. Confirm the transaction.
 
To unmask your card details, kindly follow these steps:
1. Log in to BPI Mobile App.
2. Go to Other Services and choose Card Control.
3. Click "Show details" and finish the One-Time PIN validation.


Paypal
When linking your Virtual BPI ePay Mastercard to PayPal, please make sure your card has at least Php 150 load. PayPal charges USD 1 to link your card to your PayPal account, and Php 100 when you verify your card. After successfully verifying your card, PayPal will return the Php 100 to your PayPal account in the form of PayPal credits.
 
How to link your Virtual BPI ePay Mastercard to PayPal:
1. Sign-up/ Log-in to your PayPal account.
2. Click "Profile".
3. Select "Add/Edit Credit Card".
4. Select "Mastercard" as card type
5. Enter your Virtual BPI ePay Mastercard details.
6. Click "Add Card".
7. Your Virtual BPI ePay Mastercard is now viewable in your PayPal Profile. To finalize linking of your card to Paypal, click "Confirm My Card" to allow PayPal to send a 4-digit verification code you need.

To retrieve your 4-digit PayPal verification code, please view your card transaction history via BPI Online or BPI Mobile app (Card must be enrolled and viewable in Online Banking) or by sending a request with your 16-digit Virtual BPI ePay Mastercard Number via email to help@bpi.com.ph.

How to renew/replace my virtual prepaid card

Expired Cards
Once your Virtual BPI ePay Mastercard has expired, you may have your card renewed by dialing 889-10000 (+63-2-889-10000 when abroad) or by visiting the nearest BPI/ BPI Family Savings Bank branch and BPI Express Banking Center to request for card renewal.
 
Your renewed virtual prepaid card will have the same card number with an extended validity date of another four (4) years. For replaced virtual prepaid cards, it will have a new card number which will be valid for four (4) years.

How to inquire about your balance

Check your card balance in real-time through the following channels:

BPI Mobile App
1. Simply log in to their BPI Online account.
2. Balance is displayed in My Accounts page.

BPI Online
1. Visit BPI Online.
2. Click the “Other Services” link below the “login” button, select “Inquire Prepaid Card Balance”.
3. Enter your 16-digit Virtual BPI ePay Mastercard number and click “Submit”​​​​​​​.

Get your virtual prepaid card now
You can get a free virtual prepaid card by opening a savings acount online.
Know how to open an account online.
Learn more
Frequently Asked Questions

What is a virtual BPI ePay Mastercard?

The virtual BPI ePay Mastercard is a reloadable virtual prepaid card that allows you to shop securely online.

What can I do with my virtual BPI ePay Mastercard?

The virtual BPI ePay Mastercard is a virtual reloadable prepaid card which can only be used online to purchase goods and services from Mastercard-affiliated merchants worldwide. Simply load the amount you need into your virtual BPI ePay Mastercard to start shopping online.

How do I get a virtual BPI ePay Mastercard?

The virtual BPI ePay Mastercard comes free to new-to-Bank customers who open a digital savings account. No need to go to the branch to avail. Simply follow the steps below :

1. Open the BPI Mobile App.
2. Tap on "Open a New Account" and choose "Create a bank account".
3. Follow the steps and fill out the required details.
4. Tick “I’d like to get the BPI ePay Mastercard”.
5. Upon receipt of the confirmation email, your Virtual BPI ePay Mastercard is created and can be viewed in your BPI Online account

*Exclusive to new to bank clients and bundled with a digital savings account.

How do I make purchases online?

Transacting online is easy with your virtual BPI ePay Mastercard. Select Mastercard Credit Card as mode of payment and follow the steps below:

1. Input the following card details:
a. 16-digit virtual BPI ePay Mastercard number
b. CVV 2/ Card Verification Value 2
c. Card Validity period
2. Confirm the transaction

To unmask your card details, kindly follow these steps:
1. Log in to BPI Mobile App
2. Go to Other Services and choose Card Control
3. Click "Show details" and finish the One-Time PIN validation

When will my virtual ePay Mastercard expire?

Your virtual BPI ePay Mastercard will expire four (4) years from the date opened. The card is valid until the date (mm/yy) shown below the text "Valid Thru".

Does my card require a maintaining balance?

Your virtual BPI ePay Mastercard does not require a maintaining balance.

Is this a credit card?

The virtual ePay Mastercard is not a credit card but is a reloadable virtual prepaid card. Therefore, you must load the card with money first before you can use it to make online purchases.

If there is load left in my card, will it earn interest?

The load left in your virtual BPI ePay Mastercard will not earn interest as it is a prepaid card and not a deposit account.

How do I check my card balance?

You may check your card balance in real-time through the following channels:

BPI Mobile App

1. Simply log in to their BPI Online account.
2. Balance is displayed in My Accounts page.

BPI Online
1. Visit BPI Online.
2. Click the “Other Services” link below the “login” button, select “Inquire Prepaid Card Balance”.
3. Enter your 16-digit Virtual BPI ePay Mastercard number and click “Submit”​​​​​​​.

How do I transfer funds to my card?

Loading your Virtual BPI ePay Mastercard is easy and convenient using the various BPI channels.

BPI Online
1. Log in to BPI Online using your BPI Online user ID and password.
2. Click “Transfer Money” tab, then “Load Prepaid Card” tab.
3. Choose a source account.
4. Enter amount to be loaded.
5. Click “Load to 3rd party prepaid card”.
6. Key in the 16-digit Virtual BPI ePay Mastercard number.
7. Click “Next”, then “Confirm” to confirm your loading transaction details.
8. Click “Yes” for the 6-digit code to be sent via SMS.
9. Enter the 6-digit code sent to your mobile number, then click “Submit”.
10. Click “Submit” and wait for the confirmation prompt.
11. The amount transferred will automatically be credited to your Virtual BPI ePay Mastercard.

BPI Mobile App
1. Log in to the new BPI Mobile app.
2. Tap the Side Menu icon found at the upper left corner of the screen.
3. Select “Transfer”, then select “Load Prepaid Card”.
4. Fill in the required details and tap “Next” to proceed.
5. Get the One-Time PIN (OTP) by tapping "Yes, send me the code".
6. Enter the OTP sent to your registered mobile number and tap "Submit".
7. The amount transferred will automatically be credited to your Virtual BPI ePay Mastercard.

Do you issue monthly statements?

We do not issue monthly statements. You can view your transaction history through your BPI Online Banking and BPI Mobile App.

How do I load money to my card?

You can easily transfer funds at your most convenient time from your BPI Account to your BPI ePay Mastercard Virtual Prepaid through the following BPI electronic channels:
a. BPI Online
b. BPI Mobile App
 
*Maximum load per day is Php 100,000; aggregate of Php 500,000 per month.

Where can I use my card?

You may use your virtual BPI ePay Mastercard in online stores worldwide wherever Mastercard is accepted.

What is a CVV/CVV2?

The CVV or Card Verification Value is a 3-digit code that can be found when you unmask your card details in your BPI Mobile App. To unmask your card details, kindly follow these steps:

1. Log in to BPI Mobile App
2. Go to Other Services and choose Card Control
3. Click "Show details" and finish the One-Time PIN validation

Can I use the BPI ePay Mastercard in PayPal?

Yes. You can link your BPI ePay Mastercard to your PayPal.

How do I link my card to my PayPal account?

When linking your BPI ePay Mastercard Virtual Prepaid Card to PayPal, please make sure your card has at least Php 150 load. PayPal charges USD 1 to link your card to your PayPal account, and Php 100 when you confirm your card. After successfully confirming your card, PayPal will return the Php 100 to your PayPal account in the form of PayPal credits. 

Follow the steps below in linking your card to PayPal:
1. Sign-up/Log-in to your PayPal account. 
2. Click "Profile" 
3. Select "Add/Edit Credit Card" 
4. Select "Mastercard" as card type 
5. Enter your BPI ePay Mastercard card number. 
6. Click "Add Card"
7. Your BPI ePay Mastercard is now viewable in your PayPal Profile. To finalize linking of your card to Paypal, click "Confirm My Card" to allow PayPal to send the 4-digit verification code you need.

​​​​​​​To retrieve your 4-digit PayPal verification code, please view your card transaction history via BPI Online or BPI Mobile app or by sending a request with your 16-digit BPI ePay Mastercard Number via email to help@bpi.com.ph.

Can I withdraw my funds from PayPal transferring funds to my card?

You may use your BPI ePay Mastercard to fund your PayPal account for purchases, but not to withdraw PayPal funds.

Is there a charge every time I use my card?

BPI does not charge additional fees when you use your virtual BPI ePay Mastercard for online purchases except for the applicable fees found here.

I used my card but my transaction was declined, what do I do?

For concerns regarding virtual BPI ePay Mastercard transactions, please dial 889-10000 and our phone bankers will be happy to assist.

Who can I contact if I have inquiries or concerns regarding my virtual prepaid card?

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

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BPI Prepaid Cards are not DEPOSIT PRODUCTS, and the value stored is not insured by the Philippine Deposit Insurance Corporation and is not guaranteed by the Bank of the Philippine Islands.