BPI ePay Mastercard

A reloadable, EMV-enabled prepaid card that allows you to store your money securely and enjoy cashless transactions.

Overview

Card fee only

^Php 150

Start enjoying cashless transactions for a low fee

Daily load limit

^Php 100,000

Prevent maximum related risks in case your card gets lost

Monthly load limit

^Php 500,000

Get a notification when you exceed your card's limits

All Retail (Physical) BPI Prepaid Cards (e.g., BPI ePay Mastercard, BPI ePay Visa and BPI ePay Gift Card) will no longer be available starting May 23, 2022. Existing cards purchased prior to said date will retain their validity as stated on the card.

More reasons to love this card

Use wherever Mastercard is accepted

Accepted for payment online and in-stores here and abroad.

Tap and go at Mastercard PayPass merchants.

Pay conveniently and securely without needing to sign anything.

Hassle-free

No loading fees and maintaining balance.

Withdraw cash using BPI ATMs

Access your cash conveniently through BPI ATMs.

Load online or at any BPI branch

Load up to Php 100,000 through BPI electronic channels.

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Rates and fees

Fully know the charges when using your prepaid card, so you’re fully in control.

Fees	Amore Visa Prepaid beep™	Amore Visa Prepaid payWave	BPI ePay Mastercard	BPI ePay Visa	BPI ePay Gift Card
Card Fee	N.A.	N.A.	Php 150	Php 250*	Php 200
Card Loading	Free
ATM Withdrawal	N.A.		Php 20	Php 20	N.A.
Card Load Reimbursement Transfer to Deposit account or VYBE Account.	Free of Charge
Balance Inquiry (via BPI Online)	Free
Cross Border Fee**	2.5% of the transaction amount				N.A.
Dynamic Currency Conversion (DCC) Fee***	2.5% of the transaction amount (Effective November 2, 2022)				N.A.
Inactivity Fee****	Php 40 per month after 6 months of inactivity (Charging starts on the 7th month)
Decline Fee*****	USD 1 for every declined in-store international transaction (Effectivity will be moved to a later date)				N.A.
Card Renewal/Card Replacement	N.A.		Php 150	Php 250	Php 200
Periodic Fee	Php 99 (charged at the beginning of the 3rd and 4th year)				N.A.

Minimum order of 200 cards
Applies to online and in-store international transactions done in foreign/non-Peso currency.
Applies to in-store international transactions only done in Peso currency.
Effective on January 2021. Charging of fee will start on July 2021
*Applies to policy decline transactions only (i.e. insufficient funds, invalid PIN, expired card, etc).

*BPI has implemented an Acquirer-Based ATM Fee Charging scheme last April 7, 2021. Here's our advisory on Acquiring-Based ATM Fee Charging (ABFC).
International banks may charge fee/s on top of BPI fee/s in order to process your transaction.
Inclusive of Mastercard or BancNet card and payment network fees.

Complete prepaid card fees

Tools to assist you

Terms and conditions

Prepaid card limits

Load your prepaid card

Quick guide

Where do I load my BPI ePay Mastercard?

If you have a BPI/ BPI Family Bank Deposit Account, you can easily transfer funds at your most convenient time from your BPI Account to your BPI ePay Mastercard through the following BPI electronic channels:

BPI Online
BPI Mobile App
BPI Cash Accept Machines

How do I load my BPI ePay Mastercard?

Loading your BPI ePay Mastercard is easy and convenient using the various BPI channels.

I. BPI Online

Log in to BPI Online using your BPI Online user ID and password.
Click “Transfer Money” tab, then “Load Prepaid Card” tab.
Choose a source account.
Enter the amount to be loaded.
Click “Load to 3rd party prepaid card”.
Key in the 16-digit BPI ePay Mastercard.
Click “Next”, then “Confirm” to confirm your loading transaction details.
Click “Yes” for the 6-digit code to be sent via SMS.
Enter the 6-digit code sent to your mobile number, then click “Submit”.
Click “Submit” and wait for the confirmation prompt.
The amount transferred will automatically be credited to your BPI ePay Mastercard.

II. BPI Mobile App

Log in to the new BPI Mobile app.
Tap the Side Menu icon found at the upper left corner of the screen.
Select “Transfer”, then select “Load Prepaid Card”.
Fill in the required details and tap “Next” to proceed.
Get the One-Time PIN (OTP) by tapping "Yes, send me the code".
Enter the OTP sent to your registered mobile number and tap "Submit".
The amount transferred will automatically be credited to your BPI ePay Mastercard.

III. BPI Cash Accept Machines

Insert your BPI ePay Mastercard in the card slot.
Select your preferred language.
Select “Cash Deposit” as transaction, then “Prepaid”.
Enter your Personal Identification Number (PIN)
Insert notes/ money bills in the cash slot.
Verify your deposit amount and confirm.

Service Advisory: Effective October 1, 2021, we will be discontinuing over-the-counter loading for Prepaid Cards. For the terms and conditions click here.

How do I use my card?

Your BPI ePay Mastercard can be used wherever Mastercard is accepted, online and even in stores worldwide.

I. Any Mastercard Accepting Merchants
Use your card to conveniently shop in Mastercard affiliated establishments here and abroad:

Present your BPI ePay Mastercard to the cashier.
If the cashier asks for a PIN, input the PIN provided in the PIN Mailer or your nominated PIN. When PIN is not available, request to use signature verification and affix your signature in the sales slip.

You can also tap your BPI ePay Mastercard at Mastercard PayPass merchants for easy and fast transactions. No need to sign a sales slip for transactions below Php 2,000.

II. Online
Use it just like how you would use a credit card for online purchases:

Select Mastercard Credit Card as mode of payment.
Input the following card details:
16-digit BPI ePay Mastercard number
CVV 2/ Card Verification Value 2 (the last 3 digits found at the signature panel of your card)
Card Validity period
Confirm the transaction

Paypal
When linking your BPI ePay Mastercard to PayPal, please make sure your card has at least Php 150 load. PayPal charges USD 1 to link your card to your PayPal account, and Php 100 when you verify your card. After successfully verifying your card, PayPal will return the Php 100 to your PayPal account in the form of PayPal credits.

How to link BPI ePay Mastercard to PayPal:

Sign-up/ Log-in to your PayPal account.
Click "Profile".
Select "Add/Edit Credit Card".
Select "Mastercard" as card type.
Enter your BPI ePay Mastercard details.
Click "Add Card".
Your BPI ePay Mastercard is now viewable in your PayPal Profile. To finalize linking of your card to Paypal, click "Confirm My Card" to allow PayPal to send a 4-digit verification code you need.

To retrieve your 4-digit PayPal verification code, please view your card transaction history via BPI Online or BPI Mobile app (Card must be enrolled and viewable in Online Banking) or by sending a request with your 16-digit BPI ePay Mastercard Number via sending us a message.

III. Withdrawing
You can withdraw from any BPI ATM.

Note that you will need your PIN number, which is provided in a separate document and should have been provided to you upon card pick-up at a BPI Branch.

How can I know my card's balance?

Check your card balance in real-time through the following channels:

For BPI ePay Mastercard enrolled in Online Banking:
1. Clients can instantly view their balance once they log-in to their BPI Online/BPI Mobile App account.

For unenrolled BPI ePay Mastercard:

I. BPI Online
1. Visit BPI Online.
2. Click the “Other Services” link below the “login” button, select “Inquire Prepaid Card Balance”.
3. Enter your 16-digit BPI ePay Mastercard number and click “Submit”.

II. BPI ATMs
1. Insert your BPI ePay Mastercard to any BPI ATM.
2. Enter your PIN and then press Enter.
3. Select Inquiry and then choose if you want to get a receipt.