Take complete control over your finances with just a few clicks! With BPI Express Online, anything that you need to do in a branch can now be done with the use of a computer and an Internet connection.
view a summary of your enrolled accounts and
their corresponding balances
transfer funds between your peso non-TD accounts
enrolled in BPI Express Online
enroll another person's account and transfer
funds to it from your BPI, BPI Family Bank, or
BPI Direct account
enroll and pay all your bills listed in the
Bills Payment facility
experience the comfort of viewing and paying
your bills through the Internet
enroll additional accounts, be it another Savings
or Checking account, Time Deposit, Passbook, Auto
Loans, Housing Loans, Investment Funds or Credit
Card. No need to nominate another User ID and
reload your own or someone else's Globe Handy
Phone and Touch Mobile prepaid phones.
apply for, enroll, or reload your Express Cash
Card and monitor your card usage and balances
inquire about your Savings or Current account
via text messaging
stop a check payment or reorder checkbooks
request for other services 24 hours a day and
7 days a week through a computer with Internet
connection and a secure browser.
BPI Express Online offers Internet banking services to existing individual customers of the Bank. Its online transactions involve individual consumer deposit accounts. Functionalities include real time transfer of funds between your various accounts and to third party accounts enrolled for Funds Transfer, balance inquiry, payment of bills, reorder of checkbooks, reloading transactions, stop payment orders, and request for other banking services.
BPI ExpressLink, on the other hand, offers Internet financial services to existing corporate clients of the Bank. Its transactions involve corporate deposit accounts. Functionalities include multi-currency current account balances, current and previous day's beginning balance and all transactions, company’s transaction history up to two months, loan transaction summary and history, import and export transactions, and other corporate services. For more details regarding the features of Express Link, log on to
BPI Direct is BPI’s Bank-on-the-Web. You can open a BPI Direct account online at
www.bpidirect.com. All accounts opened online are automatically eligible for Internet Banking services. BPI Direct offers higher rates and paperless transactions with additional online services.
BPI Express Online is the Internet Banking Platform of BPI and its subsidiaries - BPI Family Bank and BPI Direct. All your Internet transactions are done via this platform. Here, you can access all your BPI, BPI Family Bank, and BPI Direct accounts.
You have full control of your finances with BPI Express Online. No need to wait for long queues in the branches just to pay your bills or transfer funds. It’s very simple, easy and hassle free. With BPI Express Online, your PC becomes your own personal banking center.
All you need is a computer with a modem and Internet access. A secure browser such as Netscape Navigator 4.75 or Microsoft Internet Explorer 5.5 is likewise required. Your computer will need TCP/IP communications software, which comes pre-installed with some operating systems.
Fill up the online application form in our application center. In the online application form, you will be asked to nominate your unique User ID and PASSWORD. Submit the information online. A confirmation page will appear depending on your location and the account you enrolled. An e-mail notice confirming activation of your enrollment will be sent to your registered e-mail address upon completion of your enrollment request. Upon receipt of the e-mail, your bank is just a web site away!
For non-Philippine residents, after filling up the online application form, you will be asked to print, sign and mail the enrollment form to:
BPI Fulfillment Banking Department
9/F BPI Card Center
8753 Paseo de Roxas, Makati City 1200 Philippines
Only BPI Direct deposit accounts can be opened online. However, you need to complete the new account opening application process at the most convenient BPI branch which you will nominate. Your branch of convenience is where you will also get your ATM card or checkbook. At the branch, you will be asked to sign your signature card with deposit terms and agreements and make your initial deposit.
You will get an e-mail confirmation instructing you to visit your nominated branch of convenience. This serves as the confirmation that your account opening request is now ready for processing at your nominated branch of convenience. Upon visiting your nominated branch of convenience, you will be asked to complete the new deposit account opening procedures.
Yes, you can apply for a BPI Direct deposit account online abroad. However, to complete the opening of the account, you need to go to your nominated branch of convenience to sign the necessary papers and to make an initial deposit.
However, we are working on ways of having our clients abroad open an account via the Net, making it paperless as much as possible. Please continue to visit our site for further developments regarding this matter.
If you have further questions regarding your accounts, you can e-mail us or call our 24-hour Call Center…BPI Express Phone. Please dial 89-100 for Metro Manila, 1-800-188-89100 for domestic toll-free calls (where available) or International Access Code + 63 + 2 + 89-10000 for international calls.
To do this, just go to the Account Maintenance menu and click on the link to Change Password. Completely fill up the change password form and hit on the Submit button. We strongly advise that you change your password regularly to ensure maximum security.
Day after you activated your enrollment through the ATM
3-5 banking days
Non-Philippine Resident (Print, Sign and Mail The Form)
2 banking days after the receipt of duly accomplished enrollment form
Additional Account Enrollment
3-5 banking days
Credit Cards, Loans and E-Commerce Companies
2 banking days after receipt of documents
All Other Bills
No enrollment needed
Third Party Accounts
2 banking days after receipt of documents
There are cases when activation of accounts are delayed because further verification has to be made regarding the client’s account information. This is a security measure to prevent fraudulent accounts from entering the system.
BPI requires the client to submit the enrollment forms to ascertain his willingness to enroll in the facility. It also serves as a control procedure for possible fraudulent transactions. Our existing enrollment procedures are not meant to bring inconvenience to our clients but were designed for the mutual protection of the Bank and its clients.
No, scanned documents sent via e-mail are not considered valid documents. Original copy of the document is required to prove the authenticity of the document.
Documents can be easily tampered using computer graphic software leading to fraudulent documents and forms. The Bank is also taking precautionary measures to prevent viruses from entering the Bank’s system. This is another part of our policy designed for the mutual protection of the Bank and its clients.
The total balance is your balance as of the date specified on the screen inclusive of check deposits and any amount on hold while available balance is your withdrawable balance as of today exclusive of uncleared check deposits and any amount on hold.
Account detail pertains to all transactions posted to your account. Account detail allows you to review transactions posted to your personal checking, savings and time deposit accounts. Details include the date, amount and description of the transaction. You can view transactions done within the last 60 days online.
For auto and housing loan accounts, details include monthly amortization, next due date, last payment date, and other matters pertinent to your loan account.
Yes, you can get the history of your account transactions prior to the 60-day period by calling our 24-hour Call Center…BPI Express Phone. Please dial 89-100 for Metro Manila, 1-800-188-89100 for domestic toll-free calls (where available) or International Access Code + 63 + 2 + 89-10000 for international calls. The historical statement of your accounts will be mailed to your account address within three banking days from the date the request has been received. It will cost you Php105.00 per account plus additional charges depending on the number of pages sent to you.
If you have any questions regarding your account details, you can e-mail us at
or call our 24-hour Call Center…BPI Express Phone. Please dial 89-100 for Metro Manila, 1-800-188-89100 for domestic toll-free calls (where available) or International Access Code + 63 + 2 + 89-10000 for international calls.
The account number you see online (xxx6-xxxx-xx) is your deposit account number. The number embossed on your card (xxx5-xxxx-xx), on the other hand, is the ATM card number. Rest assured that both numbers refer to the same account. When making transactions, please indicate the ATM card number appearing on the face of your card.
Only active accounts can be viewed online. Once the status of your account becomes inactive, dormant or closed, your account will not be displayed anymore. The system automatically removes online access to these accounts because of their status.
No. There is no limit to the amount that you can transfer per transaction. However, only cleared and withdrawable balances of your accounts nominated for Internet Banking shall be considered for Funds Transfer.
You can enroll your bills by clicking on the link to enroll bills in the Payments & Reloading navigation bar. This is under the Bills Payment menu.
You will need a valid ATM account to enroll your bills for Bills Payment. Maximum number of merchants that can be enrolled in one card number is 20. Bills already enrolled in Express Teller (ATM) and BPI Express Phone are automatically enrolled in BPI Express Online.
You can enroll bills from country clubs,
credit cards, insurance, utilities, telephones, pagers, cable companies,
Internet service providers, and even selected schools. To view bills that
you can pay using our Bills Payment facility,
You need to nominate your ATM card when you are enrolling in the Bills Payment facility because the Bills Payment system works only with ATM-based accounts. Your ATM card links your enrolled merchants in the Bills Payment facility.
If the status of the ATM account where your bills are linked becomes INACTIVE or CLOSED, the account is automatically deleted from your portfolio. Thus, all enrolled Bills Payment merchants enrolled under that ATM account would be deleted as well.
BPI Express Cash is a prepaid card, which you can use in almost 13,000 MasterCard electronic establishments all over the Philippines. It is not a credit card but it works like one because you can use it in establishments with MasterCard Electronic POS. Your spending limit is dictated by the amount you load into the card.
It is also reloadable. When the card value is depleted, you can always reload a value into the card. You can load and reload as long as the card is still valid. It is also transferable. You can purchase a card for somebody else and give them as gifts.
Prepaid Cellphone Reload is a facility that allows you to reload value into your own or someone else's prepaid cell phone account by debiting your deposit account real-time. With Prepaid Cellphone Reload, there is no need to purchase a physical call card, call 223 and encode the call card number and PIN.
Currently, Globe Handyphone Prepaid Plus and Touch Mobile accounts are available for this facility.
This facility is readily available to all BPI, BPI Family Bank Express Teller and BPI Direct ATM cardholders. They can access Prepaid Cellphone Reload at selected Express Teller ATMs nationwide. Enrollment is not required.
Prepaid Cellphone Reload can also be accessed via the Internet or via BPI Express Phone. Pre-enrollment of prepaid mobile numbers is required to use the facility in the channels mentioned.
If you are using the Express Teller ATM, you can access Prepaid Cellphone Reload by choosing "Special Services" in the transaction menu. Then, choose the "from account" to identify which account will be debited to fund your reload. Enter the pre-denominated transaction amount then enter the Prepaid Mobile number you wish to reload. The ATM will present a screen to confirm the information keyed in. Once you confirm, a text confirmation message will be sent to the Prepaid Mobile number you loaded.
If you are using BPI Express Online, choose Reload Enrolled Prepaid Phones from the Payments and Reloading menu. Choose the desired denomination, the account to be debited and the mobile number you wish to reload, then click the "Submit" button. A confirmation screen will be displayed. Once confirmed, a text confirmation message will be sent to the Prepaid Mobile number you reloaded.
If you are using BPI Express Phone, dial 1 for Express Teller, then input your 11-digit access code and your Telephone ID Number, then dial 6 for Prepaid Cellphone Reload. Follow the voice prompts then a confirmation screen will be displayed. Once transaction is successful, a text confirmation message will be sent to the Prepaid Mobile number you reloaded.
For Globe Handyphone Prepaid Plus, you can choose from the four pre-denominated amounts of PhP 100, 250, 500 and 1,000. For Touch Mobile, you can choose from two pre-denominated amounts of PhP 200 and PhP 400.
Yes, you can. Since enrollment of the mobile number is not required for reloading via Express Teller ATMs, you can reload to any Globe Handyphone Prepaid Plus or Touch Mobile number. Just make sure you key in the correct Globe Handyphone Prepaid Plus or Touch Mobile numbers.
You may also reload someone else's Globe Handyphone Prepaid Plus or Touch Mobile number via BPI Express Online or BPI Express Phone, provided these numbers have already been pre-enrolled.
If you made the transaction through an ATM, you will receive a transaction record indicating the reload value, the mobile number reloaded and your deposit account balance. For reload transactions made via BPI Express Online, you will get a confirmation page with the confirmation number. For reload transactions made via BPI Express Phone, you will be given an acknowledgment number.
Whether you reloaded via the ATM, BPI Express Online or BPI Express Phone, a text advisory from Globe will be sent to the prepaid mobile number you reloaded. The message will indicate the mobile number, amount of reload, date, time and trace number of the transaction. The updated prepaid account balance may also be checked by calling 222 (Globe Handyphone Prepaid Plus) or 802 (Touch Mobile) using the mobile phone you reloaded.
Using the mobile phone you reloaded, call 222 (Globe) or 802 (Touch Mobile) to check if the amount reloaded has been credited. If not, please call Globe's Customer Service at 730-1000, or Touch Mobile's Customer Service at 730-1500 to report the incident.
If you key in a post-paid or an invalid mobile number on the ATM, Globe will not process the transaction. You will receive an ATM error message of "7501 - You have no record with us."
It may also happen that you key in a valid mobile number but it is not what you intended to reload. When this happens, press "Clear" if you are using an ATM and you will be prompted to enter the prepaid mobile number again. If you are using BPI Express Online click "Cancel" when you get the message asking for confirmation. This will terminate the transaction and bring you back to the Prepaid Cellphone Reload Reloading page. If you are using BPI Express Phone, you will be asked to confirm the mobile number you are about to reload. Should you confirm a wrong mobile number, reversals can longer be made since the transaction is already consummated.
If you failed to correct the mobile number keyed and you confirmed the transaction, then that "incorrect" mobile number will be reloaded and the amount will not be credited back. To avoid this from happening, kindly make sure that you enter the correct details and always review the information you keyed in before confirming the transaction.
All your BPI, BPI Family Bank or BPI Direct Savings and Checking accounts that come with an ATM card are eligible for prepaid reloading via the ATM.
For BPI Express Online, your enrolled savings or checking accounts are accepted. In accessing Prepaid Cellphone Reload via BPI Express Online, you will be prompted to choose which account will be debited to fund your reload transactions.
If you are using the ATM or BPI Express Phone, the deposit account linked to your ATM card will be the one debited.
As an Internet security feature for BPI Express Online and BPI Express Phone, you may reload up to a maximum of 20 per day. For transactions via ATM, there is no limit to the number of times you can reload
User ID and password must be 6 to 12 alphanumeric nonblank characters. Your User ID must be unique. The system will reject a User ID that has been used earlier by another BPI Express Online client. Your password, for added security, must not be your first name and last name and not the same as your user ID.
BPI Express Online is highly SECURE as it is easily accessible. Strong measures are taken to ensure the privacy and confidentiality of your financial information.
BPI Express Online requires the use of USERID and password that you nominate upon enrollment.
More so, online banking session is automatically terminated after you have left it idle for 5 minutes. Access to BPI Express Online is only allowed through the use of approved browsers. These browsers have the ability to securely communicate online by changing the order of information as it goes through the Internet channel. All communications between your computer and BPI are encrypted using a high-level protocol called Secure Socket Layer (SSL).
Finally, a secure measure is being placed on our side. The information that you send us passes through a firewall. A firewall is a computer program designed to stop unauthorized users from accessing your accounts.
To further boost the security of your PC and online transactions, you can download and install a personal firewall and an anti-virus program. Installing a personal firewall will minimize the risk of exposure to Internet criminals who may reach out over the Internet and retrieve sensitive information from your computer, destroy your personal data, or install a Trojan horse which has the capability of memorizing your key strokes while an anti-virus program will protect you from viruses that lurk on the Internet which may affect your online transactions.
Upon online enrollment, you will be asked to nominate your User ID and password. You can choose any word or name that will be easy for you to remember as a User ID. Your User ID must at least be (6) six alphanumeric non-blank characters but not to exceed (12) twelve characters. For your password, a minimum of (6) six and maximum of (12) alphanumeric non-blank characters is required. Without these unique identifiers, no one can access your Internet banking accounts. As an additional security at your end, the characters you enter in the password field will be masked with asterisks. For example, if the password you inputted is mmcc110, ******* will appear in your screen.
To further avoid others from viewing your account information, be sure to clear your browser's cache when you are through. Do not forget to log out after an online banking session.
Encryption scrambles into unreadable format the data you send through the secured environment of Internet Banking. The account numbers, transactions and information are encrypted or scrambled to prevent hackers from reading or intercepting the data. In the secured server of Internet Banking, the data is then reverted to its original format for interpretation and fulfillment. The encryption process is also true for the data you receive from us.
SSL (Secure Sockets Layer) is a layer that uses encryption, server authentication, and integrity checks to provide secure transaction and communication over the Internet. Any form of online communication between you and the bank is encrypted using SSL.
These may be the reasons why you cannot access the site:
We continually upgrade and maintain our systems to further improve our services and it is quite possible that you have accessed your accounts during one of these upgrades or maintenance work. When you encounter errors because of this, please wait for 30 minutes to an hour before accessing the site again. Please hit the refresh button to clear your cache and then resume your transactions.
Your Internet browser or computer settings may not support the website’s requirements. For this type of error, please refer to our browser requirements to be able to access the website.
After doing the above-mentioned instructions and you still encounter the same problem, please e-mail us at
the following information:
PC processor type (e.g. Pentium II, III, etc.)
Browser Type and Version (e.g. Internet Explorer 5.5, Netscape Navigator 4.7)
Dial-up or LAN
ISP/Proxy Server (if you're accessing via a network)
Exact date and time of access
Location (city and country)
Our technical group will provide you answers to these problems.
The log in page, as well as all the transactional pages (inquiry, transfer, payments, etc.), are located in a secured environment where the 128-bit encryption is in effect. All information/data in these pages are being encrypted every time they are sent and received on the Internet. This encryption process entails a slight delay in displaying the transactional pages.
Another factor may be your ISP. The site slows down if the server of the ISP experiences problems. We suggest you use a fast and efficient ISP for your banking transactions online.
One level of security in BPI Express Online is the User ID and password authentication facility. Here, a user can only get to the Welcome page once he has entered a valid user ID and password. An invalid user ID and/or invalid password would prevent the user from accessing any of the transactional pages of BPI Express Online.
You should receive confirmation emails for every transaction you make in BPI Express Online. However, the system which sends out these confirmation e-mails may sometimes encounter a temporary delay.
To further ensure you get the confirmation emails, please update your e-mail address regularly. You can do this after logging in to the site. Also, we request that you check your e-mail inbox since it may already be full or have exceeded its capacity to receive e-mails.
BPI Express Online is browser based, thus allowing you to conduct online banking without interfering your company's firewall. However, should you experience any difficulty, you can always e-mail us or call our 24-hour Call Center…BPI Express Phone. Please dial 89-100 for Metro Manila, 1-800-188-89100 for domestic toll-free calls (where available) or International Access Code + 63 + 2 + 89-10000 for international calls.