Better Together Bundles

These terms and conditions govern the BPI Better Together Bundles (“Promo”), which is open to existing Bank of the Philippine Islands (“BPI” or “Bank”) BPI Gold and BPI Preferred Clients who meet the minimum eligibility requirements prescribed hereunder as they expand their relationship with the Bank.

General Policies​

1. The Terms and Conditions governing BPI’s Products, Services, Facilities and Channels, BPI Gold and BPI Preferred Banking Terms and Conditions, the BPI Online Banking Terms and Conditions, and the BPI Data Privacy Policy, as may be amended from time to time, are hereby incorporated by reference and form an integral part hereof (the “BPI Terms and Conditions”).

2. Employees of the BPI Group of Companies¹, the participating merchants, and advertising and creative agencies who have partnered with any member of the BPI Group of Companies in relation to this Promo, including their relatives of up to second degree of consanguinity and affinity, are disqualified from joining the Promo.

​About the Promo​

The Promo offers different product bundles for BPI Gold and BPI Preferred clients. Each product bundle is composed of Build-Up Deposit Accounts, limited to Saver-Plus or Pamana Savings, paired with either investment via BPI Wealth, loan, time deposit or credit card, along with biller enrollment via the Pay Bills feature on the BPI app. As a reward for availing of a product bundle, clients will receive one (1) year validity of non-life insurance coverage from BPI MS Insurance Corporation.

Promo Period​

The Promo shall run from September 1, 2026 to December 31, 2026 (the “Promo Period”).

Promo Eligibility ​

1. The Promo shall be open to (i) a select set of Bank of the Philippine Islands (BPI) Individual primary accountholders who are either classified as BPI Gold with at least Five Million (Php 5,000,000) Total Relationship Balance or BPI Preferred with at least One Million (Php 1,000,000) Total Relationship Balance with BPI  (an “Eligible Client”), with a valid registered email address with the Bank; and (ii) who shall receive an electronic mail (E-Mail), In-App message, and SMS communication confirming their invitation to participate in the Promo.

2. The Bank reserves the right to suspend or disqualify any person from further participation in the Promo, upon determination, based on reasonable grounds, that person has violated the terms and conditions herein, including the BPI Terms and Conditions. Suspension or disqualification may result in the cancellation of the individual’s right of participation in the Promo, without prejudice to the bank’s cancellation of the economic equivalent of all rewards enjoyed from other promos in which disqualified individual participated to, prior to the Promo.

To qualify, Client must meet the minimum total relationship balance (“TRB”) of Five Million Pesos (Php 5,000,000.00) or its foreign currency equivalent for BPI Gold and minimum total relationship balance (“TRB”) of One Million Pesos (Php 1,000,000.00) or its foreign currency equivalent for BPI Preferred Clients  throughout the Promo Period.

In determining the TRB, the following products, if availed within the Promo Period as applicable to the relevant client type, are included: (i) all BPI deposit accounts, and (ii) all funds maintained with BPI Asset Management and Trust Corp. (“BPI Wealth”), BPI Investment Management, Inc., capital products (primary and secondary offers) availed through BPI Capital Corporation and BPI Securities Corp., and hedge funds (the “Included Products”).

Promo Exclusivity​

The Promo cannot be availed in conjunction with other similar or related deposit, investment, loan promotions including but not limited to any special time deposit offer with BPI, any investment promo with BPI Wealth, or other similar or related promos with BPI and/or BPI Wealth during the Promo Period.

Promo Mechanics and Reward​

1. The Eligible Client will receive Electronic Direct Mail (EDM), In-App message, and SMS communications inviting them to participate in the Better Together Bundle Promo.  

2. To participate in the Promo, an Eligible Client must register in the URL provided in the EDM and In-App message, choose a preferred bundle.

3. Once registered, the Eligible client will contact his/her respective Relationship Manager for details of bundle availment and placement of fund in Pamana or Saver-Plus Savings account. 

4. To avail of the bundle, the Eligible Client must first place fresh funds in a Build-Up Deposit Account limited to Saver-Plus Account or Pamana Savings Account within same calendar month of promo registration. For the paired or bundled product with the newly opened account, the Eligible Client must do any of the following: (a) apply for and place an investment, (b) submit and book a loan drawn from the  BPI Loan - Home, Auto, Business or Personal loan , (c) avail of a Plan Ahead Time Deposit, or (d)apply for and obtain approval for a BPI Credit Card.  Lastly, the Eligible Client must enroll a biller via the Pay Bills feature in the BPI app. All availments and approvals of the product bundles are subject to the Bank's credit evaluation process, approval requirements, and applicable product terms and conditions. Additional details and conditions for each bundle are provided in the table below. 

For purposes of this Promo, funds moved from any account under the BPI Group of Companies or funds from another BPI deposit investment account or insurance proceeds are not considered ‘fresh funds’.

Fresh funds placed in Pamana Savings account or Saver-Plus Savings account after the month of registration and initial funding shall not be included in the computation of eligible fresh funds. 

5. The product bundle is considered completely availed once the required ADB growth volume in fresh funds and conditions per bundle are fulfilled.​

 ​ADB (Average Daily Balance) is the average amount of money maintained in an account over a specific period.​

6. An Eligible Client who placed required funds in Pamana or Saver-Plus Savings Account within the same month of promo registration, who meets the required ADB growth volume, fulfils the bundle conditions, and maintains such balance for a retention period of six (6) months shall qualify for the reward under the Promo (“Qualified Eligible Client”).

7. The reward for the Qualified Eligible Client is non-life insurance coverage from BPI MS Insurance Corporation. The reward shall be subject to the terms, conditions, and coverage of the group policy granted to BPI and the requirements of BPI MS Insurance Corporation for the non-life insurance coverage of the additional insured.

8. The reward shall be awarded to the Qualified Eligible Client during the last business day of the  eighth (8th) month upon registration and fund placement. Please refer to the awarding schedule below. 

9. The Qualified Eligible Client shall receive his/her Certificate of Insurance Coverage in his/her registered email address with the bank to be sent by BPI MS Insurance Corporation. 

For purposes of issuing the insurance coverage, BPI MS Insurance Corporation may collect and process the personal information of the Qualified Eligible Client and any companion(s) or additional insured person(s), including information necessary for coverage issuance and administration, in accordance with applicable data privacy laws and BPI MS Insurance Corporation's Privacy Policy. The Qualified Eligible Client is responsible for ensuring that any companion(s) or additional insured person(s) have been informed of such collection and processing and have provided any required consent.

Rewards Conditions

1. The non-life insurance coverage (“Promo Reward”) shall be valid for a period of one (1) year from the policy effective date, as indicated in the issued policy schedule.

2. The Promo Reward is nontransferable, nonrefundable, and may not be exchanged, assigned, or converted into cash credits, discounts, or any other form of reward, benefit, or consideration.

3. The insurance coverage issued under the Promo Reward shall be fixed and strictly based on the approved policy terms. Any change, modification, upgrade, or substitution of policy coverage, benefits, limits, or insured subject matter shall not be allowed.

4. The Promo Reward is subject to the terms, conditions, limitations, exclusions, and underwriting rules of BPI MS Insurance Corporation. Insurance coverage shall begin on the effective date specified in the applicable coverage schedule or Certificate of Insurance Coverage (COIC).

5. The Promo Reward may not be used in conjunction with other insurance promos, discounts, or offers, of the BPI Group of Companies unless otherwise stated

Miscellaneous Conditions​

1. All new product applications are subject to existing policies and procedures of BPI.

2. Promo participation and product availment shall be facilitated through the Relationship Managers for BPI Gold clients with a total relationship balance (TRB) of at least PHP 5,000,000 and for BPI Preferred clients with a total relationship balance (TRB) of at least PHP 1,000,000

3. BPI, in concurrence with DTI, reserves the right to terminate, discontinue, suspend, or modify the Promo.   Any such action shall not prejudice rewards already earned by Qualified Eligible Clients, if any, prior to the effectivity of such termination, discontinuance, suspension, or modification.

4. In case of disputes in respect of BPI and an Eligible Customer’s availment of the Promo, the decision of BPI with the concurrence of DTI shall be considered final, without prejudice to any other remedies available to customer provided by law.  

5. BPI and its subsidiaries are not liable for any loss, damage, or personal injury whatsoever (including but not limited to direct, indirect, and consequential loss) suffered or sustained in connection with the availment of and/or participation in the Promo, to the extent permitted by the Financial Consumer Protection Act and other applicable laws.

6. The Promo shall be subject to periodic review to ensure compliance with the Bank’s policies and procedures, as well as with Bangko Sentral ng Pilipinas (“BSP”) rules and regulations and applicable laws.

7. To the full extent allowed by applicable laws, all warranties, whether express or implied by law or statute, are excluded herein. BPI does not make any warranty, express or implied, with respect to any of the rewards items. 

¹ BPI Group of Companies generally refers to the collection of businesses and subsidiaries that are affiliated with Bank ofthe Philippine Islands (BPI) namely BPI Wealth, BPI Europe, BPI AIA Life Assurance Corporation, BPI Tokyo CenturyRental, BPI Direct BanKo, BPI Foundation, BPI MS Insurance, BPI Trade, Buena Mano, BPI Wealth Hong Kong, BPI Wealth Singapore, BPI Capital Corporation, Ayala Plans, Inc., BPI Remittance Centre (HK) Ltd.​

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

BPI Preferred and BPI Gold customers may also contact the BPI Preferred Dedicated Line at (+632) 7791-0077.

Per DTI Fair Trade Permit No. FTEB-265685 Series of 2026

Deposits are insured by PDIC up to ₱1 Million per depositor.