Track and Plan

Track your spending and saving patterns and plan your finances better.

Benefits

Enjoy AI-powered insights on your spending and saving habits.

Know your habits

See a summary and analysis of your transactions.

Stay on track

Monitor your regular deposits and expenses across all categories.

Get important alerts

Be informed of unusual transactions immediately.

Money tracking

See your cash flow so you can save and plan your expenses.

Income and bill amount trends

Get notified when your monthly incoming deposit or monthly bill is higher or lower than usual.

E-Wallet habits

Receive a monthly report of how much you transfer to or from your e-wallets, and how frequently you do it.

Saving and investment opportunities

Know when you have extra cash flow to put in a Time Deposit or an investment so you get more out of your money.

More insights to income

The more you use BPI, the more expert advice you get over time.

Experience the BPI app

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Frequently asked questions

Using Track and Plan

What are the available insights, and how can I make use of them?

Right now, these are thing you can do with the insights you receive:

Track your money

Use the Money Tracker to see how much money went into your BPI deposit accounts, versus how much was taken out through BPI online transactions such as bills payments and Pay via QR. Your outflows are broken down further to show you how much went into transfers, bank fees, bills payments, groceries, and more.

View your transactions across all your BPI deposit accounts, or zoom into the cash flow details of one account.

Keep using the app to get a summary that compares your monthly cash flows.

Monitor account activity more easily

You’ll receive smart notifications that let you know when:

You’ve received an unusually large deposit
A fund transfer to you from a specific account is lower or higher than average
A payment to a specific biller was higher or lower than usual
A fund transfer to another person’s account was unusual
You might have had a duplicate ATM withdrawal
A check you’ve issued has been successfully encashed or deposited
A deposit you receive regularly didn’t come in
You’ve missed a regular bills payment or money transfer
You’ve been consistently saving for at least three months

Learn about your cash-in and cash-out habits

You get a monthly report of how frequently you cash in to e-wallets and how much you’ve transferred in total.

You’ll also see the total amounts compared, month-on-month.

Know when to invest

Based on your usual cashflow, you’ll be notified when it looks like you have extra cash that can be saved or invested.

Get smarter with money

Receive tips and information to manage and grow your money.

What other insights can I look forward to receiving?

Track and Plan will soon be able to remind you to save, and recommend savings and loan products tailored to your lifestyle.

Eventually, the dashboard will show you a breakdown of the kinds of places where you made debit, credit, or QR payments. Keep using the app to get better, more detailed insights.

Keep using the app to get better, more detailed insights.

How come I haven’t received any insights yet?

This just means there isn’t enough information yet.

Just keep using the app, to receive insights soon.

Can I choose which insights I get notified about?

No, you cannot, however, the app uses machine learning to determine insights most relevant to you.

Where can I find my insights?

There are two ways you can get your insights:

1. The notifications carousel

You’ll see this on the home screen of your BPI app, above your accounts.

A summary of new insights will appear here, and tapping on the card will show you more details.

2. The More menu

On your home screen, tap More > Track & Plan

Can I view Track and Plan via web browser?

No, this feature is only available on the BPI app installed on mobile phones.

Why can’t I view Track and Plan on my tablet, even when if I use the app?

Track and Plan is only available on mobile phones.

Can I turn off Track and Plan?

Yes, you can.

Just got to More > General Settings, then toggle the switch next to Personal finance insights.

Please note that this turns off all insights and you won’t receive any until after you turn it back on.

How it works

How does the app know when to send me an insight?

The Track and Plan feature uses AI-driven analytics to deliver notifications and financial advice tailored specifically to you.

It looks at your usual transactions on the BPI app, and learns what you do regularly, what is unusual, and how you can maximize your money based on the trends it identifies.

Does this feature share my transaction information with anyone?

No, your individual transaction data is only for Track & Plan, which is tailored to you and not shared with anyone.

How many insights will I receive in a day?

There is no set number of insights per day. It depends on how often you use the app.

Notification and insights

Why did I receive a notification for a Duplicate Transaction Withdrawal, when I’m sure I didn’t make any duplicate transactions?

This notification is triggered when the same amount is withdrawn from your account within 20 days and within the same geographical area. This is an additional security feature we’ve built in to help you detect unusual activities on your account. If you’re sure it was you who made both withdrawals, you can ignore the message.

If you withdraw the same amount regularly, the app will eventually learn that this is not something it should notify you about.

How come I wasn’t notified about missing a bills payment?

You need to be regularly using BPI online through the app or web browser so our algorithm can learn which of your transactions are regular, and which ones aren’t.

You’ll need to use BPI online at least three months in a row to pay a specific biller before our algorithm marks this as a regular transaction. After that, if the algorithm notices your payment is late, you’ll receive an in-app reminder.

If in one month you decide to skip paying the biller through BPI online, or you decide to switch Track & Plan off and on, your transactions are marked as irregular, and you won’t receive any reminder notifications for at least the next three months.

I stopped receiving reminder notifications. Why?

You need to regularly use the BPI app or BPI online via web browser so the Track & Plan algorithm can determine patterns.

You must pay the same biller three months in a row via BPI app or BPI online before the algorithm marks this as a regular transaction. After that, if the algorithm notices your payment is late, you'll receive an in-app reminder.

If in one month you decide to skip paying the biller through the BPI app or BPI online, or you decide to switch Track & Plan off and on, your transactions are marked as irregular, and you won't receive any reminder notifications for at least the next three months.

What transactions are recorded by the Money Tracker?

The inflows track the money added to your deposit accounts through cash or check deposits, direct deposit, or online transfers.

The outflows track all the BPI online transactions you made through the BPI app or via web browser. These are some of the categories your transactions may fall under:

Bills payment category (e.g. credit card, utilities)
Transfers
Bank fees
E-wallet cash-in
Load transactions

Keep using the app to start getting more specific categorizations of your expenses.

Soon your transactions with your BPI Debit and Credit Card will also be included in the transaction summary.

How soon will my transactions be included in the money tracker?

Any transactions made before 10 PM will show up in your Money Tracker by the end of the day. Transactions made after 10 PM will appear in the list the next day.