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Bank Service Fees. 
 
Account Maintenance and Transaction Fees | Auxiliary Services | PCHC Charges |
Inward Remittance Charges | International Wire Transfer
 
 
Account Maintenance and Transaction Fees

BPI
Particulars
Service Charge
Monthly Service Charge for Falling Below the Required ADB1
    - 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 Charge2
    - Peso Deposit Accounts
PHP 200.00
    - Dollar Deposit 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
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)3
PHP 10.00
    - Platinum Savings (no longer offered)
PHP 50.00
    - Multi-earner (no longer offered)
PHP 25.00
ATM Transactions
    - 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
Foreign Transactions via Cirrus ATMs
    - 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2% of withdrawn amount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 0.50
Note: Some ATMs abroad charge an additional access fee. Fees are displayed on the ATM screen at the time of transaction.
Over-the-Counter Withdrawal for ATM-based Accounts
(except when ATM is off-line or if the transaction exceeds the daily ATM limit)
PHP 100.00
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
Dollar Transactions
    - Dollar Cash Deposits in Excess of USD 5,000
PHP 0.10 per USD 1.00 or fraction thereof
    - Dollar Cash Withdrawal in Excess of USD 5,000
PHP 0.05 per USD 1.00 or fraction thereof
    - Deposit Returned Dollar Check
USD 20.00


BPI Family Savings Bank
Particulars
Service Charge
Monthly Service Charge for Falling Below the Required ADB1
    - Maxi-One with Passbook
PHP 500.00
    - Other Peso Deposit Accounts
PHP 250.00
    - Dollar Savings Accounts
USD 5.00
Monthly Dormancy Charge2
    - Peso Deposit Accounts
PHP 200.00
    - Dollar Deposit Accounts
USD 5.00
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)3
PHP 10.00
    - Platinum Savings (no longer offered)
PHP 50.00
    - Multi-earner (no longer offered)
PHP 25.00
ATM Transactions
    - 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
Foreign Transactions via Cirrus ATMs
    - 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 0.50
Note: Some ATMs abroad charge an additional access fee. Fees are displayed on the ATM screen at the time of transaction.
Over-the-Counter Withdrawals for ATM-based Accounts
(except when ATM is off-line or if the transaction exceeds the daily ATM limit)
PHP 100.00
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
Dollar Transactions
    - Dollar Cash Deposits in Excess of USD 5,000
PHP 0.10 per USD 1.00 or fraction thereof
    - Dollar Cash Withdrawal in Excess of USD 5,000
PHP 0.05 per USD 1.00 or fraction thereof
    - Deposit Returned Dollar Check
USD 20.00
Note: BPI Family Savings Bank is a subsidiary of Bank of the Philippine Islands.


BPI Direct Savings Bank
Particulars
Service Charge
Monthly Service Charge for Falling Below the Required ADB1
    - Peso Deposit Accounts
PHP 250.00
    - Dollar Deposit Accounts
USD 5.00
Monthly Dormancy Charge2
    - Peso Deposit Accounts
PHP 200.00
    - Dollar Deposit Accounts
USD 5.00
Fee for Closing within 1 Month from Date of Opening
    - Peso Deposit Accounts
PHP 500.00
    - Dollar Deposit Accounts
USD 15.00
ATM Transactions
    - 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
Foreign Transactions via Cirrus ATMs
    - 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 0.50
Note: Some ATMs abroad charge an additional access fee. Fees are displayed on the ATM screen at the time of transaction.
Stop Payment Order (SPO) Application (per Peso check)
PHP 200.00
Overdraft (OD) Accrual Charge
    - Fee
25.2% p.a. on OD amount
    - Subject to a minimum of
PHP 26.25
Note: BPI Direct Savings Bank is a wholly owned subsidiary of Bank of the Philippine Islands.

  
1 Monthly Service Charge applies if account falls below the required minimum average daily balance for two consecutive months.
 
2 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.
 
3 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.

Auxiliary Services
 
 
Particulars
Amount of Fee / Charge
BPI
BPI Family Savings Bank
BPI Direct Savings Bank
    ATM Card Replacement
PHP 100.00
    Replacement of Lost Passbook *
    - Peso Deposit Accounts
PHP 200.00
    - Dollar Deposit Accounts
USD 15.00
    Bank Certification
    - Peso Deposit Accounts
PHP 100.00
    - Dollar Deposit Accounts
USD 2.00
    Statement Request from Express Phone
free of charge
    Statement Request from Bank Statement Unit
    - First three pages
PHP 100.00
    - For every succeeding page
PHP 10.00
    Request for Microfilm Reproduction of Bank Documents *
    - First three pages
PHP 100.00
    - For every succeeding page
PHP 31.00
    Manager’s Check
PHP 50.00
    Peso Checkbook
    - Personal
PHP 175.00
    - Commercial
PHP 350.00
    Dollar Demand Draft
    - Fee
USD 5.00
    - Plus, DST, if to be paid in Pesos
Subject to applicable charges
    Peso Telegraphic Transfer
    - Fee
¼ of 1% of amount
    - Plus DST
PHP 0.30
for every PHP 200.00
    - Subject to a minimum of
PHP 100 plus PHP 1.50 DST
    Sale of Traveler’s Checks
    - Fee
0.5% of every USD 1.00 or fraction thereof
    - Subject to a minimum of
USD 1.00
    - Plus DST, if to be paid in Pesos
Subject to applicable charges
    Purchase of Traveler’s Checks
    - Fee per check
PHP 15.00
    - DST per check
Subject to applicable charges
    Foreign Bills Purchase (per check, if without line)
PHP 100.00
    Outward Bills for Collection *
    - Fee
¼ of 1% for every PHP 1.00 or fraction thereof
    - Plus Postage Fee
PHP 6.50
    - Subject to a minimum of
PHP 100.00
    Safety Deposit Boxes Rental Fees *
    - Deposit for Keys
    - 2 x 5 x 24
    - 3 x 5 x 24 / 3 x 5.5 x 24
    - 3.75 x 5.75 x 24 / 5 x 5 x 21
    - 4.75 x 5.5 x 24/5 x 5 x 24/5 x 5.5 x 24/5.75 x 5.75 x 24
    - 3 x 10 x 21 / 3 x 10 x 24 / 3 x 10.5 x 24
    - 3 x 11 x 24 / 3 x 11.75 x 24 / 4 x 11.5 x 24
    - 5 x 10 x 21 / 5 x 10 x 24 / 5 x 10.5 x 24
    - 5 x 11 x 24 / 5 x 11.75 x 24 / 5.75 x 11.5 x 24 / 6 x 11 x 24
    - 9 x 24 x 24 / 10 x 10 x 21/10 x 10 x 24 / 10 x 10.5 x 24
    - 10 x 11 x 24/10.5 x 10.5 x 24/18 x 24 x 24/20 x 11 x 24
    - 20 x 20 x 22.5 / 21.5 x 21.5 x 22.5
PHP 1,000.00
PHP    600.00
PHP    800.00
PHP 1,000.00
PHP 1,200.00
PHP 1,600.00
PHP 1,600.00
PHP 2,000.00
PHP 2,000.00
PHP 4,000.00
PHP 4,000.00
PHP 5,000.00
* Not applicable to BPI Direct Savings Bank
 
 
PCHC Charges
 
 
Particulars
Amount of Fee / Charge
    Temporary Overdraft – Honored (Funded) 4
    - Fixed Fee
PHP 1,000.00


    - Additional Fee

PHP 200.00
for every PHP 40,000.00 or
a fraction thereof per day

    Temporary Overdraft – Returned (DAIF / DAUD) 5
    - Fixed Fee
PHP 2,000.00


    - Additional Fee

PHP 200.00
for every PHP 40,000.00 or
a fraction thereof per day

    Stop Payment – Funded
    - Fixed Fee
PHP 2,000.00
    Stop Payment – Unfunded 5
    - Fixed Fee
PHP 2,000.00


    - Additional Fee

PHP 200.00
for every PHP 40,000.00 or
a fraction thereof per day

    Technicalities 6
    - Fixed Fee
PHP 2,000.00 per item
   
4 If a check for PHP 35,000 was presented for clearing on a Friday and was funded on Monday, total charge would be PHP 1,600 (PHP 1,000 fixed fee + PHP 200 x 3days)
 
5 If a check for PHP 35,000 was presented for clearing on a Friday and was eventually returned, total charge would be PHP 2,600 (PHP 2,000 fixed fee + PHP 200 x 3 days)
 
6 Checks that are post / stale dated, irregularly dated (i.e. February 30) &/or unsigned are not subject to the technicality fee.
 
 
Inward Remittance Charges
 
FROM: Correspondent Bank/SWIFT Remittances *
Payment Mode
Service Charge Commission
Postage
Documentary
Stamps
Cable Charges

  Credit to Account
    - Peso Account

 
PHP 150.00
 
PHP 10.00

PHP 0.30
for every PHP 200
and a fraction thereof

 
n/a

  Credit to Account
    - Dollar Account


USD 6.50

n/a

N.A.

n/a

  Bank to Bank
    - Peso (BPI as
    intermediary bank) /
    Credit to Other Bank **



PHP 150.00


n/a


PHP 0.30
for every PHP 200
and a fraction thereof


n/a

  Bank to Bank
    - Dollar (BPI as
    intermediary bank) /
    Credit to Other Bank **



USD 10.00


n/a


n/a


n/a


  Branch Pick-up - Peso


PHP 150.00


n/a

PHP 0.30
for every PHP 200
and a fraction thereof



PHP 60

  Branch Pick-up - Dollar


USD 6.50

n/a

n/a

n/a
   
*A service fee may be charged by each corres bank the transaction passes through. This is on top of the service fee charged by the bank where the telegraphic transfer originated from.
 
** A service fee may be charged by the receiving bank on top of the service fee charged by BPI as the intermediary bank.
 
FROM: Direct Deposit / US Pension
Payment Mode
Service Charge Commission
Postage
Documentary
Stamps
Cable Charges

  Credit to Account
    - Peso Account


USD 6.50*

n/a

n/a

n/a

  Credit to Account
    - USD Account


USD 6.50*

n/a

n/a

n/a
 
* Effective March 15, 2014, please see other changes to this account here.
 
FROM: Local Bank (PDDTS)
Payment Mode
Service Charge Commission
Postage
Documentary
Stamps
Cable Charges

  Local Incoming (Peso)

PHP 150.00
regardless of amount



n/a


n/a


n/a

  Local Incoming (Dollar)

USD 6.50
regardless of amount



n/a


n/a


n/a
 
FROM: BERC and Tie Ups
Payment Mode
Service Charge/ Commission
Postage
Documentary
Stamps
Cable Charges
  Remittances from BERC
n/a
n/a
n/a


  Remittances from Tie Up

Charges vary depending on the contract agreement with each tie up



n/a


n/a


n/a
 
 
International Wire Transfer Charges
 
Payment Mode
Service Charge
Commission
Documentary
Stamps
Correspondent
/ Settlement
Bank Charges*
Beneficiary
Bank
Charges**
Debit from FCDU
account of the Client
USD14.00
N/A
Charges vary depending
on the following:
- remittance amount
- remittance currency
- purpose of remittance
i.e. non-trade or trade
Charges
vary
depending
on the bank
involved,
they may or
may not
charge their
own fees.
Debit from PESO
account of the Client
PHP600.00
PHP0.30 for
every
PHP200.00
Charges vary depending
on the following:
- remittance amount
- remittance currency
- purpose of remittance
i.e. non-trade or trade
Charges
vary
depending
on the bank
involved,
they may or
may not
charge their
own fees.
 
*This can be shouldered by the beneficiary customer / recipient of funds where the charge will be deducted by the correspondent /settlement bank from the total amount that the recipient of funds will receive. If not, this can be shouldered by the remitter / BPI applicant where BPI will collect the charge in advance on top of the BPI Service Charge Commission.
*This charge is the fee of the correspondent / nostro settlement bank and not of BPI.

**This is shouldered by the beneficiary customer / recipient of funds where the charge will be deducted by the beneficiary bank from the total amount that the recipient of funds will receive. If not, this will be shouldered by the remitter / BPI applicant as an additional charge. Intermediary bank charges may also be applied.
**This charge is the fee of the beneficiary bank and not of BPI.

Note: Fees may change without prior notice.
 


Member: PDIC. Maximum Deposit Insurance for Each Depositor P500,000.