| InstaPay | PESONet | |
|---|---|---|
| Transaction Amount Limit | Php 50,000 per day per account but amount is aggregated with “BPI Transfer to Anyone” feature. | Php 250,000* but subject to receiving bank’s maximum amount per transaction limit. |
| No. of Funds Transfer Transaction per day | No Limit | No Limit |
| Availability of Service | 24 x 7 | Banking days only |
| Availability of Funds to the Recipient’s Account | Real-time credit | Same day credit** |
| Channels | BPI Online BPI Mobile App | BPI Online BPI Mobile App BPI BizLink Note: BPI BizLink is for Businesses and Corporations |
| Transaction Fee for Sending Funds | Php 25 per credit transaction*** | Php 50 per credit transaction*** |
*Transaction Amount Limit is increased for the following clients:
Php 500,000 per day for Preferred and Private Banking clients, and Php 20,000,000 per day for Business Banking and Corporate Banking clients. This limit includes cash-ins to other partner apps and websites, loading your own prepaid number and other prepaid numbers. It also includes transfers to other unenrolled BPI accounts, InstaPay transfers, pay eGov, pay on delivery, and BPI to Cash.
**PESONet transactions done after 4:00 PM will be processed the next banking day.
***InstaPay and PESONet transaction fees are waived for Preferred and Private Banking clients.
| Deposits are insured by PDIC up to P500,000 per depositor. BPI is regulated by the Bangko Sentral ng Pilipinas