BPI

WikiFX | 2026-04-20 23:04

摘要：　　BPI is an unregulated service provider of financial services, which was founded in Philippines in 1851. It offers services for loans, investments and insurance.

BPIReview Summary
Founded	1851
Registered Country/Region	Philippines
Regulation	No regulation
Services	Loans, investments, insurance
Platform/APP	BPI app
Minimum Deposit	Php 1
Customer Support	Live chat, contact form
	Tel: (+632) 889-10000
	Email: investorrelations@bpi.com.ph
	Facebook, X, Instagram, Linkedin, YouTube
	Address: Ayala Triangle Gardens Tower 2, Paseo de Roxas corner Makati Avenue, Makati City 1226

BPI Information

BPI is an unregulated service provider of financial services, which was founded in Philippines in 1851. It offers services for loans, investments and insurance.

Pros and Cons

Pros	Cons
Long operation time	Lack of regulation
Various financial services offered
Multiple acocunt types
Low minimum deposit requirement
Live chat support

Is BPI Legit?

BPI has no valid regulations currently. Please be aware of the risk!

Services

Services	Supported
Loans	✔
Investments	✔
Insurance	✔

Account Type

Savings Account

Account Type	Minimum Deposit
Saver-Plus	Php 3,000
#SaveUp	Php 1
Maxi-Saver	Php 2,000,000
Regular Savings	Php 3,000
Pamana Savings	Php 25,000
US Dollar Savings	$500
#MySaveUp	Php 1
Pamana Padala	Php 500
Padala Moneyger	Php 0

Checking Account

Account Type	Minimum Deposit
Regular Checking	Php 10,000
Maxi One	Php 25,000
BizLink Checking	Php 10,000

Time Deposit Account

Account Type	Minimum Deposit
Auto Renew Time Deposit	Php 50,000
Plan Ahead Time Deposit	Php 50,000
US Dollar Time Deposit	$1,000

BPI Fees

Card Membership Fees

Card Type	Principal Card	1st Supplementary Card	2nd to 6th Supplementary Card
BPI Signature Card	Php 5,500/year	Free for Life	Php 2,750/year
BPI Amore Platinum Cashback Card	Php 5,000/year		Php 2,500/year
BPI Platinum Rewards Card	Php 4,000/year		Php 2,000/year
BPI Gold Rewards Card	Php 2,250/year		Php 1,125/year
BPI Amore Cashback Card	Php 2,050/year		Php 1,025/year
BPI Rewards Card	Php 1,550/year		Php 775/year
Petron BPI Card	Php 1,550/year		Php 775/year
BPI Edge Card	Php 110/month		Php 55/month
BPI Family Credit Card	Php 1,350/year		Php 675/year
BPI Corporate Card	Php 1,700/year	Not applicable
BPI eCredit Card	0

Interest Rates and Charges

Types of Fees & Charges	Details	Fee
Finance Charge or Nominal Interest Rate1 (Effective Interest Rate per month 2)	A Cardholder has the option to pay the Total Amount Due, the Minimum Amount Due, or any amount in between. Finance Charges are incurred when Cardholder pays any amount less than, or does not pay on Payment Due Date, the Total Amount Due, applicable on regular purchases, billed monthly installment amortizations, fees, and interest charges, exclusive of those incurred during the current cycle.	3% (2.73%)
Cash Advance Finance Charge or Nominal Interest Rate1 (Effective Interest Rate per month 2)	Incurred when the Cardholder avails a Cash Advance transaction, applicable on the cash advance transaction amount and cash advance fees, accrued from transaction posting date until full payment date.	3% (3.16%)

Installment-Related Fees

Types of Fees & Charges	Details	Fee
Special Installment Plan (S.I.P.) Add-on Rate	Incurred upon approval of a S.I.P. Loan, applied to the total loan principal amount monthly for the loan's duration. The specific rate applied is dependent on the loan type, offer, and term availed.	Up to 1%
Special Installment Plan (SIP) Loan Service Fee	Incurred per approved S.I.P. Loan availment	Php 500 for each Balance Transfer, Credit to Cash, and Balance Conversion availment above Php 50,000. Php 300 for all Balance Transfer, Credit to Cash, Balance Conversion up to Php 50,000 and all other S.I.P. Loans variants, per availment
Special Installment Plan (S.I.P) Pre-termination Fee	Billed upon processing of a S.I.P. pre-termination request.	Php 550 pre-termination fee plus 2% of the loan principal amount if Installment is pre-terminated before the first billing.If pre-termination is done after the first billing, a processing fee of Php 550 plus applicable interest of the next monthly payment using the diminishing balance method will be charged.

Transaction Fees

Types of Fees & Charges	Details	Fee
Cash Advance Fee	Incurred per Cash Advance transaction	Php 200 flat fee per transaction
Foreign Transaction Service Fee	Incurred by transactions denominated in foreign currencies or originating from foreign merchants and/or acquirers	0.85% plus the Mastercard / Visa assessment fee of 1% shall apply to the converted amount of foreign-denominated transactions, using the foreign exchange rate of Mastercard / Visa at the time the transaction is posted. The Mastercard / Visa assessment fee of 1% shall also apply to:
		A. foreign currency transactions converted then billed in Philippine Peso at point-of-sale or;
		B. transactions charged in Philippine Peso by a foreign acquirer at point-of-sale. This fee applies whether the transaction is made in/outside the Philippines or online.
Gaming Transaction Fee	Incurred by any gambling-related transaction	Php 500 or 3% of the gaming transaction, whichever is higher, shall be charged for every gaming transaction in casinos and/or online betting

Service Fees

Types of Fees & Charges	Details	Fee
Card Replacement Fee	Incurred per replacement requested for lost, stolen or damaged cards	Php 400
Check Protect Fee	Incurred per check funded by the BPI Credit Card limit, for Cardholders enrolled in BPI Deposit's Check Protect service	Php 1,200 or 2% of the funded check amount by the BPI Credit Card, whichever is higher
Statement of Account Fee	Incurred per requested printed copy of the BPI Credit Card Statement of Account	Php 200 per statement of account
Account Maintenance Fee 1	If the account is inactive/closed/cancelled with an overpayment, a monthly fee shall be billed, until the balance is zeroed out.	Php 200/month or the overpayment amount if less than Php 200, will be debited from:A) Closed credit card accounts with overpayment for more than 1 month from the date of termination / cancellation
Account Maintenance Fee 1		B) Credit card accounts with overpayment with no activity for the past 12 months
Closed Account Maintenance Fee 2	If the account is inactive/closed/cancelled with an overpayment, a monthly fee shall be billed, until the balance is zeroed out.	Php 50/month will be charged to terminated/ cancelled card accounts with credit balances for more than 1 month from the date of closing
Express Start Cancellation Fee 3	Incurred if the first-issued BPI Credit Card enrolled under the Express Start program is cancelled before the first anniversary date, except if cancellation is due to non-delivery of such BPI Credit Card(s).	Php 1,500

Penalty Fees

Types of Fees & Charges	Details	Fee
Late Payment Fee	Incurred if no payment is applied or payment applied to the BPI Credit Card is less than the Minimum Amount Due by the Payment Due Date	Php 850 or equivalent to the value of the unpaid minimum amount due, whichever is lower, will be charged per occurrence per card.
Returned Check Fee	Incurred for every dishonored check issued by the Cardholder in payment of his / her account	Php 100 for every dishonored check and additional 6% of the check amount

In case of default, the cardholder shall pay the following in addition to penalty and charges:

Types of Fees & Charges	Details	Fee
Attorney's Fee	Incurred if the Cardholder's account is referred to a lawyer or to a collection agency	25% of the amount due
Liquidated Damages	Incurred if the payment of the Cardholder's account is enforced through court action	25% of the unpaid amount, plus litigation expenses and judicial costs