BPI Transaction Fees as of 2019
News broke out last year where BPI announced that they would be increasing their fees (e.g deposit, withdrawals) and public reactions were negative. Thus BPI deferred their implementation to the start of 2019. 2019 is here and with it the new fees.
Fees for Bank of the Philippine Islands
| Particulars | Service Charge |
| Cash Deposit (Over-the-counter through the branch)* | |
| – Branch of Account | Free |
| – Intra-Region1 | Free |
| – Inter-Region2 | PHP 50.00 per deposit |
| Over-the-Counter Cash Withdrawal for Passbook Account | |
| – Branch of Account | Free |
| – Intra-Region1 | Free |
| – Inter-Region2 | PHP 100.00 per withdrawal |
| Check Encashment* | |
| – Branch of Account | Free |
| – Intra-Region1 | PHP 100.00 per encashment |
| – Inter-Region2 | PHP 100.00 per encashment |
| Monthly Service Charge for Falling Below the Required ADB4 | |
| – Maxi-One with Passbook | PHP 500.00 |
| – Other Peso Deposit Accounts | PHP 300.00 |
| – Dollar Savings Accounts | USD 5.00 |
| – Third Currency Passbook Savings Accounts | AUD 8.00 |
| CAD 7.00 | |
| CHF 7.00 | |
| EUR 4.50 | |
| GBP 3.50 | |
| JPY 600.00 | |
| CNY 35.00 | |
| Monthly Dormancy Charge5 | |
| – Peso Deposit Accounts | PHP 30.00 |
| – Dollar Deposit Accounts | USD 0.60 |
| – Third Currency Passbook Savings Accounts | AUD 0.80 |
| CAD 0.70 | |
| CHF 0.60 | |
| EUR 0.55 | |
| GBP 0.50 | |
| JPY 68.00 | |
| CNY 4.00 | |
| Fee for Closing within 1 Month from Date of Opening | |
| – Peso Deposit Accounts | PHP 500.00 |
| – Dollar Deposit Accounts | USD 15.00 |
| – Third Currency Passbook Savings Accounts | USD 15.00 equivalent |
| Service Charge per Excess Withdrawal | |
| – Jumpstart Account (4 free withdrawals per month)6 | PHP 10.00 |
| – Platinum Savings (no longer offered) | PHP 50.00 |
| – Multi-earner (no longer offered) | PHP 25.00 |
| Local ATM Transactions via BPI Debit card | |
| – Balance inquiry at other Expressnet member banks, Megalink or Bancnet ATMs | PHP 1.50 |
| – Withdrawals at other Expressnet member banks, Megalink or Bancnet ATMs | PHP 15.00 |
| International Transactions via BPI Debit Card | |
| – Withdrawals of USD 175.00 and below | USD 3.50 |
| – Withdrawals above USD 175.00 | 2% of withdrawn amount |
| – Balance Inquiries | USD 1.00 |
| – Denials | USD 1.00 |
| Note: Some ATMs abroad charge an additional access fee. Fees are displayed on the ATM screen at the time of transaction. | |
| – Crossborder Fee For Purchases Done Abroad | 2% |
| Over-the-Counter Funds Transfer via Debit/Credit Memo | |
| – Peso Deposit Accounts | PHP 50.00 per transfer |
| – Dollar Deposit Accounts | USD 1.00 |
| Stop Payment Order (SPO) Application (per check) | |
| – Peso Checks | PHP 200.00 |
| – Dollar Checks | USD 20.00 |
| Overdraft (OD) Accrual Charge | |
| – Fee | 25.2% p.a. on OD amount |
| – Subject to a minimum of | PHP 26.25 |
| Foreign Currency Cash Deposit | |
| – USD | Php 0.10 per USD 1.00 or a fraction thereof |
| – Third Currency | Php 0.10 per USD 1.00 equivalent or a fraction thereof |
Fees for BPI Family Savings Bank
| Particulars | Service Charge |
| Cash Deposit (Over-the-counter through the branch)* | |
| – Branch of Account | Free |
| – Intra-Region1 | Free |
| – Inter-Region2 | PHP 50.00 per deposit |
| Over-the-Counter Cash Withdrawal for Passbook Account | |
| – Branch of Account | Free |
| – Intra-Region1 | Free |
| – Inter-Region2 | PHP 100.00 per withdrawal |
| Check Encashment* | |
| – Branch of Account | Free |
| – Intra-Region1 | PHP 100.00 per encashment |
| – Inter-Region2 | PHP 100.00 per encashment |
| Monthly Service Charge for Falling Below the Required ADB4 | |
| – Maxi-One with Passbook | PHP 500.00 |
| – Other Peso Deposit Accounts | PHP 250.00 |
| – Dollar Savings Accounts | USD 5.00 |
| Monthly Dormancy Charge5 | |
| – Peso Deposit Accounts | PHP 30.00 |
| – Dollar Deposit Accounts | USD 0.60 |
| Fee for Closing within 1 Month from Date of Opening | |
| – Peso Deposit Accounts | PHP 500.00 |
| – Dollar Deposit Accounts | USD 15.00 |
| Service Charge per Excess Withdrawal | |
| – Jumpstart Account (4 free withdrawals per month)6 | PHP 10.00 |
| – Platinum Savings (no longer offered) | PHP 50.00 |
| – Multi-earner (no longer offered) | PHP 25.00 |
| Local ATM Transactions via BPI Debit card | |
| – Balance inquiry at other Expressnet member banks, Megalink or Bancnet ATMs | PHP 1.50 |
| – Withdrawals at other Expressnet member banks, Megalink or Bancnet ATMs | PHP 15.00 |
| International Transactions via BPI Debit card | |
| – Withdrawals of USD 175.00 and below | USD 3.50 |
| – Withdrawals above USD 175.00 | 2% of withdrawn amount |
| – Balance Inquiries | USD 1.00 |
| – Denials | USD 1.00 |
| Note: Some ATMs abroad charge an additional access fee. Fees are displayed on the ATM screen at the time of transaction. | |
| – Crossborder Fee For Purchases Done Abroad | 2% |
| Over-the-Counter Funds Transfer via Debit/Credit Memo | |
| – Peso Deposit Accounts | PHP 50.00 per transfer |
| – Dollar Deposit Accounts | USD 1.00 |
| Stop Payment Order (SPO) Application (per check) | |
| – Peso Checks | PHP 200.00 |
| – Dollar Checks | USD 20.00 |
| Overdraft (OD) Accrual Charge | |
| – Fee | 25.2% p.a. on OD amount |
| – Subject to a minimum of | PHP 26.25 |
| Foreign Currency Cash Deposit | |
| – USD | Php 0.10 per USD 1.00 or a fraction thereof |
| Dollar Transactions | |
| – Deposit Returned Dollar Check | USD 20.00 |
- Intra-Region – Any branch other than Branch of Account, within the same Region, e.g. NCR to NCR
- Inter-Region – Any branch other than Branch of Account, in a different Region, e.g. NCR to Region I, etc.
- Personal Client – PHP 20K; Preferred Client – PHP 50K
- Monthly Service Charge applies if account falls below the required minimum average daily balance for two consecutive months.
- Dormancy charge is collected only if dormant account’s balance has fallen below the required minimum average daily balance (ADB). Account will be considered dormant if there is no client-initiated transaction within 1 year for Current Accounts and within 2 years for Savings Accounts.
- The free withdrawal limit applies to ATM and over-the-counter withdrawals only. Other client-initiated withdrawals like cellphone reloading, cashless shopping through EPS, etc. are not counted.
Source: https://www.bpiexpressonline.com/p/1/691/account-maintenance-and-transaction-fees