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Filipino’s BPI Online Banking Guide 2020

Bank of the Philippine Islands or BPI caters to more than 8 million depositors worldwide.

Because of the increasing demand, BPI created a way to serve their customers anytime.

BPI Express Online is BPI’s online banking system. It provides  BPI account holders easy access to tools and manage your finances.

As the name suggests, you can access this free service with an internet browser or with the mobile app.

BPI customers who want to avoid long lines at their branches and ATMs now have a better alternative.

This is BPI’s answer to the consumer’s growing banking needs. Aside from various products such as savings accounts and BPI loans, it has an online banking platform that is accessible 24/7.

Here’s What You Will Learn About BPI Express Online Banking

Are BPI Express Online Banking and BPI ExpressLink Different?

What is BPI Express Online Banking

What is BPI ExpressLink

BPI Express Online Requirements

Steps for BPI Express Online Enrollment

BPI Express Online Activation

BPI Express Login

  • BPI Express Login via Browser
  • BPI Express Login via Mobile App
  • Features of BPI Express Online

  • BPI Express Online Fund Transfer
  • BPI Express Online Bills Payment
  • Reload a Prepaid Phone
  • Schedule Appointment
  • BPI Express Online Account Balance Inquiry
  • How Secure is BPI Express Online Banking

  • Password Protection Features
  • One Time Password
  • Critical Transactions Pre-enrollment
  • Email Confirmation
  • Frequently Asked Questions on BPI Express Online Banking

  • How Can I Access the BPI Online Banking If I Don’t Have the BPI APP?
  • What are the things I can do using BPI Online Banking?
  • What is a One-Time Pin (OTP)?
  • Is it Possible to Use a Non-Philippine/International Number with BPI Online Banking?
  • How to Change Mobile Number in BPI Express Online?
  • What are the E-Wallets that I can load using the BPI Online Banking?
  • What is the daily limit for E-load transactions?
  • When can I expect the amount to be credited in the E-load Wallet?
  • Does BPI Online have a Dollar to Peso funds transfer facility?
  • Does BPI Online have a cut-off time for Dollar to Peso funds transfer transactions?
  • What is the difference between Recents and Favorites Feature in BPI Online?
  • How can I save an account as a Favorite?
  • Can I activate the Push Notification feature of the BPI Mobile app?
  • What are the activities where I can get Push Notifications?
  • How Can I Activate Biometric Login?
  • Are BPI Express Online Banking and BPI ExpressLink Different?

    Yes, they are actually different.

    What is BPI Express Online Banking

    BPI developed the BPI Express online system for clients who do not like to wait in line.

    It’s designed to meet the banking needs of a BPI customer even when its branches are closed.

    It offers the same banking services as Express Online with key differences.

    The BPI ExpressLink caters to corporate cash management. It provides basic bank transactions with added features.

    These are payroll upload, BIR tax payment, collection, and payment transaction.

    Corporate companies are the main users of the BPI ExpressLink. The BPI Express Online caters to the banking needs of individuals.

    BPI Express Online Requirements

    To open a BPI Express Online Banking account, you need:

    • a deposit account,
    • credit card,
    • or an ATM-based debit account in BPI.

    Simply, you should be an existing customer of BPI or BPI Family Savings.

    You can enroll other BPI accounts such as loans, prepaid cards, or investments. This is possible only after the activation of the BPI online banking account.

    Steps for BPI Express Online Enrollment

    BPI offers a variety of banking needs. They also offer different accounts.

    The BPI Online Banking Registration varies depending on the type of banking product. It also depends on the account holder’s location.

    It is easier to register while you are in the Philippines than registering overseas.

    Here are the steps to enroll in BPI online banking.

    Step 1: Visit the BPI Express Online Website (www.bpiexpressonline.com).

    Step 2: Look for the BPI Express Online Login button. Then click Register Now button.

    Step 3: Choose the type of account you have with BPI.

    Step 3.A: If you have an ATM-based deposit account you have to select your location. If you choose “Within the Philippines”, you have to visit any BPI Express Teller ATM within 20 banking days.

    If you choose “Outside the Philippines” you have to print, sign and email your application form.

    Step 4: Tick the Internet Banking Service Agreement box. You need to scroll all the way down to activate the box.

    Step 5: Fill up the BPI Express Online Registration Form. Provide all the necessary details needed by the website.

    You will receive a confirmation email. Activation depends on your location.

    Activate your BPI online banking account within 20 working days from the enrollment date.

    BPI Express Online Activation

    There are two ways to activate your BPI Express Online Banking. These depend on the location of the applicant.

    Local Activation of BPI Express Online Banking

    If you are residing in the Philippines, you need a BPI ATM machine.

    Insert your card into the ATM slot and keys in the PIN code.

    Go to the “Special Services” section. Look for the “Activate” button and click on it to activate the account. After that, click on “Enrollments Express Online”.

    After activation, the BPI Express Online Account will be accessible in 24 hours.

    Overseas Activation

    For account holders living overseas, the client will receive a confirmation email. This is sent together with a form to be sent to a registered email address.

    Print the form and fill it up.

    Sign the form and mail it to the following address:

    BPI Fulfillment Banking Department

    9th Floor BPI Card Center

    8753 Paseo de Roxas Makati City 1200, Philippines

    You will receive an email about the account activation once the request is processed.

    BPI Express Login

    There are two ways to access your BPI Express Online account. One is to go to the bpi express browser. The other is to download the mobile app. Both of them require you to have an existing bpi online banking account. 

    BPI Express Login via Browser

    To access the BPI Express Log in using the web browser, you only need to follow the steps outlined below. 

    Step 1. Go to www.bpiexpressonline.com and click the ‘Online Banking Login’ button. It will take you to a login page. 

    Step 2. Once you get to the login page, the website will ask for your credentials. Fill in your user ID and password and click submit.

    The website then allows you access to your account. Here you can manage all your banking needs. 

    BPI Express Login via Mobile App

    The mobile app allows a faster and easier way for you to access your BPI Express account. 

    Step 1: Visit the Playstore(Android) or AppStore(IOS). 

    Step 2: Download the BPI Express Mobile App

    Step 3: Once you have downloaded the app, click on it. It will take you to a login page.

    Step 4: Fill in your user ID and password. Then click the login button. For mobile phones with a fingerprint sensor, the app allows you to use your fingerprint to access your account.

    For phones with face id, you can use face id to access your account.

    Features of BPI Express Online

    BPI Express Online Banking caters to BPI clients who dislike standing in line. It is best for those who have no time to drop by a bank.

    It is a one-stop-shop for almost all banking concerns of BPI account holders.

    With its easy-to-use system, first-time users need little to no learning period. BPI online banking offers video tutorials for those having difficulty with the system.

    BPI Express Online Banking allows the user to do a variety of banking services.

    BPI Express Online Fund Transfer

    Transferring money to another BPI account is possible in real-time. You can also transfer funds in advanced schedules.

    It is a convenient way for shoppers who want to pay using the BPI account to pay for their purchases online.

    Small business owners can use this feature to pay for their suppliers on time.

    Before, BPI Express Online Banking can only transfer money to other BPI accounts. Recently, you can now transfer money from your BPI account to other bank accounts.

    You can send money to an enrolled account or an unenrolled account.

    Sending money to a third-party enrolled BPI account is fast, easy, and best of all, free!

    To transfer money to an enrolled BPI account, you need to enroll each account in person. You need to go to the bank and fill-up an application form.

    Submit the signed forms to the teller of any BPI or BPI Family Savings Branch.

    BPI Express Online Bills Payment

    The Bill Payment facility is a very useful banking service of the BPI Express Online Banking.

    It allows the user to pay for the utility, and BPI credit card bills without leaving the house or office.

    You can also pay your insurance using this method.

    Bill payments can be scheduled in advance so there is a lower chance of missing due dates. This is especially useful when paying for your credit cards in the Philippines.

    Reload a Prepaid Phone

    When you have a BPI online banking account, there is no need to worry about running out of prepaid credit.

    You can reload quickly using the BPI online account.

    Choose from Php 50 up to Php 1,000 credit load without having to go to an e-load station.

    The online reload service is available to all service providers.

    You can even use the BPI online banking to load your e-wallet. You only have access to the app or website. Fill up the necessary details before sending the request.

    Schedule Appointment With BPI Express Assist

    What if you really need to visit a BPI bank?

    The common concern of BPI clients is the long queues and waiting times. Most over-the-counter transactions are fast.

    Yet, because of the long lines, it can take from 30 minutes or more before you get to the counter.

    Cut waiting time by using the bank appointment service which is in the BPI Express Online. They call the service the BPI Express Assist or BEA Online.

    This feature allows the user to reserve a time slot in the nearest branch. One can submit the desired transactions and get a queue number in advance.

    You just need to go to the branch on the appointed time and complete the transactions.

    BPI Express Online Account Balance Inquiry

    Monitoring funds online is easier using the BPI Express Online Banking system.

    This is a user-friendly feature of the BPI Express Online. It allows the client to access the account holder’s statement of account online.

    This simplifies the process of managing your BPI savings. It can also manage your checking account, credit card, and investments.

    One can even use it to print bank statements without having to go to the main branch.

    How Secure is BPI Express Online Banking

    BPI takes its online security seriously. It uses a variety of security measures to protect the user’s privacy and account information.

    Password Protection Features

    BPI prevents unauthorized access to Express Online account by using strict password requirements. They need 6-12 alphanumeric characters for the account password.

    It prohibits re-using 3 previous passwords. It automatically logs off the account if the system detects inactivity for 5 minutes.

    One Time Password

    Much like the BDO Online, BPI requires a user to input a One-Time Password. This is done before one can access the online account. The system sends the OTP to the user’s registered mobile number.

    Critical Transactions Pre-enrollment

    This is a prerequisite for critical bank transactions. The client nominates a third party account. One submits an accomplished and signed form to the bank. The form is stored in the database.

    If the third party account is not found in the BPI database, the system will not continue the transaction.

    Email Confirmation

    For any successful financial transaction done online, the user will receive an email. It confirms the transaction made. It also serves as an alert if there are any unauthorized transactions.

    Facts on BPI Express Online

    Having an online banking account is a necessity nowadays.

    Its convenience allows a professional to save time. You can track your finances while you are on the go.

    In spite of the security measures, you still need to be careful. Be vigilant in keeping your financial transactions secure.

    Remember to keep your online account passwords private. Do not share it with anyone.

    Be aware of your surroundings when using public computers to access your account.

    Beware of phishing or fraudulent emails pretending that they are from BPI or any other banks. It will ask for your account details. Remember to contact your bank immediately.

    Using the BPI Express Online Banking saves you time and effort. It is a win-win situation for both the bank and the consumer.

    Just be aware of your account’s security and maximize the security features.

    The security of your online account depends not only on the bank’s security system. It also depends on your vigilance.

    Frequently Asked Questions on BPI Express Online Banking

    Customers have plenty of questions that need immediate answers. BPI Online has gathered all and answered the most-often-asked ones.

    How Can I Access the BPI Online Banking If I Don’t Have the BPI APP?

    >
    • Just type in: www.bpi.com.ph in your web browser. Click on the ‘Login’ button and fill up your personal username and password. 

    What are the things I can do using BPI Online Banking?

    • Viewing the details of your account online
    • Paying off bills and enrollment of new billers
    • Transferring of funds to your own and other enrolled, BPI, or non-BPI accounts
    • Monitoring your electronic statements and other financial needs
    • Managing and controlling your card settings

    What is a One-Time Pin (OTP)?

    • The One Time Pin (OTP) serves as additional security for your account. It is a 6-digit security code that is valid for one transaction. This is sent to the mobile number that you registered. For every transaction using a new device, you need an OTP. An OTP is also needed to confirm and complete your transactions.

    Is it Possible to Use a Non-Philippine/International Number with BPI Online Banking?

    • Yes, you can use an international number. Your personal mobile number needs to be updated in the system. This will ensure that you receive the One-Time Pin for every transaction made online. 

    How to Change Mobile Number in BPI Express Online?

    • Visit and log in to BPI Online website or the mobile App. 
    • Go to the Account Maintenance and choose Update Mobile Number
    • Key in your Debit/Mastercard number and new mobile number
    • Activate your request within 5 banking days using any BPI ATM
    • For overseas users, call 889-10000*
    • Overseas users can also connect via BPI Skype ID @TalktoBPI* or @TalktoBPI2*. 

    * You will be asked to submit an original signed form after verification via skype or 889-10000.  

    What are the E-Wallets that I can load using the BPI Online Banking?

    • It is possible to load the following E-wallets: GCash and SMART Padala. 
    • You can also load E-wallets for PayMaya, BEEP, Easytrip, and Autospweep RFID.
    • Listed below are the minimum and maximum load amount you can load with each e-wallet.

    *CAN number is the 16-digit number found on the beep card.

     GCashSMART PadalaPayMayaBEEPEasytripAutosweep RFID
    Reference NumberRegistered Mobile NumberRegistered Mobile NumberRegistered Mobile NumberCANNumber *Account numberPlate number
    Min. load amount per transactionP1.00P500P500P1.00P350P500
    Max. load amount per transactionNoneNoneNoneP5,000P5,000P10,000

    What is the daily limit for E-load transactions?

    There is a daily limit for E-wallet transactions. A maximum of P50,000 can be transferred by each source account. These are for unenrolled accounts. 

    When can I expect the amount to be credited in the E-load Wallet?

    E-wallet credits are made in real-time. The amount for the e-wallet will be credited immediately. You only need to check your account to see if it was credited or not.

    For Beep E-wallet, you need to update your balance using any BEEP e-load stations. 

    Does BPI Online have a Dollar to Peso funds transfer facility?

    Yes, BPI Online has a Dollar to Peso funds transfer. This service will let you convert your US dollar funds to Philippine peso using your BPI Online Account. This service is available to ATM-based US dollar accounts. 

    Does BPI Online have a cut-off time for Dollar to Peso funds transfer transactions?

    Yes. You can use the service from 9:30AM to 3:30 PM Philippine Standard Time. 

    What is the difference between Recents and Favorites Feature in BPI Online?

    Recents – your transactions from the last 3 months are recorded by BPI Online. This is for easy recall of your banking needs. 

    Favorites – You can save up to 10 unenrolled accounts, prepaid, or phones in BPI Online. 

    How can I save an account as a Favorite?

    You will automatically be asked to save an account as a Favorite. This is done after banking transactions of unenrolled accounts, prepaid cards or phones.

    Can I activate the Push Notification feature of the BPI Mobile app?

    If you are an existing app user, you will need to update your BPI Mobile app. This will ask you if you want to enable push notifications. 

    If it is your first time to use and download the app, you will be asked to activate your push notifications after the third time you log in.

    You can also use the Account Maintenance to enable the push notifications whenever you want. 

    What are the activities where I can get Push Notifications?

    The following transactions will cause you to receive Push Notifications:

    • Credit sent to a third party or to anyone
    • Credit transferred from Load Prepaid Card
    • Registration of a new device
    • Receiving marketing-related notifications

    How Can I Activate Biometric Login?

    The following shortcuts are added to the credit card viewing page:

    • Pay full amount
    • Pay Minimum Amount
    • My Statements

    The credit limit tracker allows you to easily view your credit card usage.

    Can I Check My Cash Mart Funds Through BPI Online Banking Account?

    Got approved for Cash Mart Personal Loan?

    You can easily check if you received your funds in your BPI bank account. Cash Mart sends funds directly to the borrower’s personal bank account to ensure the security of your funds and receive it in the most convenient way possible.

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