| InstaPay | PESONet | |
|---|---|---|
| Transaction Amount Limit | Php 50,000 Per transaction | Php 250,000 A higher limit of Php 500,000 per day is available to BPI Preferred, BPI Gold, and BPI Private Wealth clients. For Business Banking and Corporate Banking, a limit of Php 20,000,000 is available. |
| 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 banking day Next banking day for transactions made after 4:00 PM. |
| Channels | BPI online BPI app | BPI online BPI App BPI BizLink Note: BPI BizLink is for Businesses and Corporations |
| Transaction Fee for Sending Funds | Php 25 Fee is waived for BPI Preferred, BPI Gold, and BPI Private Wealth clients. Note: For unsuccessful transfers, applicable fees will be refunded. | Php 50 Fee is waived for BPI Preferred, BPI Gold, and BPI Private Wealth clients. Note: For unsuccessful transfers, applicable fees will be refunded. |
*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