InstaBale Loan and Personal Loan frequently asked questions

All Robinsons Bank Instabale loan accounts will be integrated with BPI Salary On-Demand (SOD) loan accounts. 

• Your loan account number will change. 
• The existing terms – interest rates, loan tenor and monthly amortization – will remain the same until the loan is fully paid. 
• Your mode of payment will be changed to an auto-debit arrangement (ADA) using your BPI payroll deposit account.

You will receive an advisory prior to these changes.

InstaBale will no longer be available after your Robinsons Bank payroll deposit account has been integrated with BPI. You will be informed if you are eligible for a similar facility in BPI.  Please ensure that your InstaBale is fully paid for an opportunity to qualify.

To know your updated BPI Salary On-Demand loan account number, you may refer to the following:

• Official email or direct mail sent to you by BPI.
• Access the Loans tab in your BPI Online or BPI app.
• Or you may also contact our 24-hour BPI Contact Center at (+632) 889-10000 for International and Domestic Long-Distance calls, (+632) 1-800-188-89-100 for our Domestic Toll-free Number (PLDT), or at our International Toll-free Numbers available in the BPI website.

Your payments for unpaid Instabale availments after your Robinsos Bank payroll deposit account has been integrated with BPI can only be done via any BPI branch.  Please use the following details when paying:

• Transaction: BILLS PAYMENT
• Account: PERSONAL LOAN
• Reference Number: LOAN ACCOUNT NUMBER

Yes, you may apply for a BPI Personal Loan at any Robinsons Bank branch that has not yet been integrated with BPI, or any BPI branch. We have BPI Personal Loan available, and you may find more information about this product at the Personal Loan webpage.

Please visit the BPI Personal Loan webpage for product information, application process, and requirements.

All Robinsons Bank Go! Personal Loan accounts will be integrated with BPI. 

• Your loan account number will change. 
• The existing terms in your Robinsons Bank Go! Personal Loan Promissory Note and Disclosure Statement will remain valid, with no changes to the loan term, interest rate, monthly amortization, or due date.
• Your mode of payment will remain to be via auto-debit arrangement (ADA) using your updated BPI deposit account.

You will receive an advisory prior to these changes.

To know your updated BPI Personal loan account number, you may refer to the following:

• Official email or direct mail sent to you by BPI.
• Access the Loans tab in your BPI Online or BPI app.
• Or you may also contact our 24-hour BPI Contact Center at (+632) 889-10000 for International and Domestic Long-Distance calls, (+632) 1-800-188-89-100 for our Domestic Toll-free Number (PLDT), or at our International Toll-free Numbers available in the BPI website.

For other questions and concerns, you may also refer to the Personal Loan frequently asked questions webpage.

Your loan payments to your updated BPI Personal Loan account number under Automatic Debit Arrangement (ADA) will be automatically debited from your updated deposit settlement account number (SETA).  Kindly refer to the separate advisory sent to you regarding the effective date on the change in your SETA. 

To fully enjoy a hassle-free repayment feature, you must sufficiently fund your BPI deposit account before your monthly due date. The same monthly due date will be observed.

• Please note that any unpaid amount will be charged a late payment penalty fee of 5%. As an example, if your monthly installment is Php 1,000, you will be charged Php 50. Hence, the total due becomes Php 1,050.
• To settle any missed payments, simply fund your BPI account with the repayment amount you missed, plus the 5% late payment fee. BPI will automatically deduct the payment from your account the following day.