12.22.2011

BPI Savings Account Without Maintaining Balance -- BPI Easy Saver

By Nora
A savings account without maintaining balance?

Yes, BPI has launched its BPI Easy Saver account, a savings account without maintaining balance. It launched it as an easier way to save, as you can start with 200 pesos, and you can deposit small amounts.

It also forces you to "save" your savings, and encourages you not to withdraw your savings frequently.
Why not withdraw frequently? Because you are charged 5 pesos for every ATM withdrawal, and 100 pesos for over-the-counter withdrawal.

What can you use this BPI Easy Saver for?

- As a way to send allowance to your child in college.  Compared to the BPI Express Cash Card, this BPI Easy Saver is better. It's a savings account, so it earns interest and is PDIC-insured. It's also cheaper -- the ATM card is 50 pesos, and the withdrawal fee is 5 pesos. The Express Cash Card costs 150 pesos and its withdrawal fee is 15 pesos.

- As a remittance account

- As a regular savings account

How to Open an Easy Saver Account

- Go to a BPI or BPI Family branch.

- Just like with any other bank savings account, bring:
  -- two valid IDs
  -- photocopy of two valid IDs
  -- 1 1x1 ID picture
  -- Bring also a bill with your name and address (Meralco, PLDT, or a credit card bill) just in case the branch requires a proof of address. Some branches accept barangay clearance or certificate as proof of address.

- For students, bring extra documents, just in case the branch requires more documents:
  -- your school ID
  -- current registration card or enrollment card
  -- NSO-issued birth certificate
  -- barangay clearance or certificate, or any proof of your address (bill in the name of your father; your
      birth certificate shows your relationship)

If the branch is strict, inquire at another branch. Or at an Express branch at a mall. 
Or simply go to another bank. There are a lot of banks. And if you have time, please comment here or on other banking blogs about banks and bank branches that require lots of documents.

- Pay 50 pesos for the Express Teller ATM card.

- Deposit at least 200 pesos.

Are There Other Fees I Need to Know?

- You're charged 5 pesos for every withdrawal from a BPI ATM machine. You're charged more for withdrawals from other banks' ATM machines.
- You also pay this 5-peso-charge for every fund transfer and bill payment via your BPI Internet banking.

* This account is good for those who are not yet able to maintain the minimum balance requirement for regular bank accounts.
It's better to pay 5 pesos for every withdrawal than paying 300 pesos a month as penalty for not maintaining the balance requirement for 2 consecutive months.
What you'll do is to plan your withdrawals so you don't get deducted many 5s.

What if I only have 1 valid ID?
Be on the lookout for BPI Easy Saver promos in schools, supermarkets, malls, fairs or other events.  Usually, during promos, BPI officers accept only 1 ID.  Try also applying at BPI Express Centers in malls or near malls.


Read also:
Savings Accounts in the Philippines with the Lowest Maintaining Balances
Best Savings Accounts for Students
Savings Accounts for OFW Remittances


Many Comments and Replies Have Been Moved to:
  BPI Easy Saver comments  
       (from Feb February 20, 2013 to October 8, 2013)
  Easy Saver comments 
       (from December 3, 2014 to May 22, 2016)

116 comments:

  1. Hi po.. ask ko lang po kung anung ibig sabihin nito "Temporarily unable to process this transaction.." tpos naka lagay po sa receipt ko ay "Card not effective" ano po dapat gawin? salamat po sa tutugon.

    ReplyDelete
  2. Hello po. Student po ako. Gsto ko po sana magopen ng easy saver acc. pero po yung sa requirements, ID and NSO birth certificate lang ang meron ako. Makakapag opon padin po ba ako kahit yun lng? Reply po pls. Asap. Thanks.

    ReplyDelete
  3. About a student who wants to open a BPI Easy Saver account, Janelle Caranto October 10, 2015
    Hello po. I'm a student. I want to open an easy saver acc. but I only have these requirements, ID and NSO birth certificate. Can I open an account? Reply po pls. Asap. Thanks.
    ANSWER:
    Yes, bring your student ID with photo and school head's signature plus 2 ID photos. Bring your registration form if you have, and yes, bring your NSO cert in case they need it.

    ReplyDelete
  4. Hi, when opening an account with easy saver, do u still check your adverse list? I was declined by another bank because of this. And what can i do to be able to open a savings account. Thanks

    ReplyDelete
    Replies
    1. About banks' adverse action notice list or negative list : Sorry I don't work with BPI. Try to apply for an Easy Saver account. Then if they deny you, try other banks. Try a smaller savings bank or a rural bank; I think many smaller banks do not yet have access to the negative lists of bigger banks.

      Delete
    2. Regarding bpi express teller napalitan ko ung pin dun sa sinabng date kung kelan need palitan successfull nmn nung mag change pin ako. Ngaun nag wwidrw ako lumalabas error pin lenght/invalid account type/no account possible po ba na nka deactivate ung card ko?

      Delete
  5. About BPI Express Teller PIN change October 30, 2015
    Regarding bpi express teller, I changed my pin within the change-PIN period, and it was successful. Now I am withdrawing, and this error appears: pin length/invalid account type/no account. Is it possible my card was deactivated?
    ANSWER:
    Try balance inquiry, and if your balance appears, this means you're allowed only for balance inquiry for the meantime. Call BPI 89-100 so you can confirm to them that it was you who changed your PIN. Be ready with your account no., other personal info, and the date and time when you changed your PIN.
    I've been a BPI account owner for years, and when I changed my PIN recently, I also had to call BPI before I could withdraw.

    ReplyDelete
  6. Ask ko lng po kung pde mag withdraw for example 250php, 220php or 270php s easy savers account? Thank you.

    ReplyDelete
  7. About withdrawing 250php, 220php or 270php November 2, 2015
    Can we withdraw for example 250php, 220php or 270php from our easy savers account? Thank you.
    ANSWER:
    From the atm machine, no, you cannot withdraw those amounts because the smallest bill in the atm is the 100-peso bill. There's no 20-peso or 50-peso bill in the atm machine.
    If you withdraw over the counter, you can withdraw those amounts, but you will pay a fee because your account is atm-based.
    If you like to use your balance including the cents, you can use your atm to pay your purchase at a store or supermarket that has a Megalink or Express Net swipe system.

    ReplyDelete
  8. Need your help po
    Dito sa bpi bakit pa kailangan ng tin number eh wala pa aq ganun PO eh requirements po yun dito sa bpi tanza cavite.. Help po

    ReplyDelete
  9. About TIN for bank account opening, Kimberly Guillermo
    November 3, 2015
    Need your help po. Here at bpi, why do they require a tin number. I don't have it. It's a requirement here at bpi tanza cavite. Help po
    ANSWER:
    Hi Kimberly, check this BIR Eregistration from time to time, and if this page is active again, apply for your eTIN online.
    Banks require TIN because they use it for the 20%-withholding-tax that they deduct from interest earned.
    Some banks do not require TIN if what you present is a student ID with current school registration card.

    ReplyDelete
  10. OFW FROM KUWAIT......ask ko lang po about sa bpi xpress international wat if kung hinde po pumasok yung mga hinuhulog sa account or may isang transaction na hinde pumasok. panu po kea ang gagawin magagawan po b ng paraan yun.pero may mga resibo po per transaction at hinde pa po pala sya na change pin.. for 2 years.. pero palage pong nag dedeposit sa acoount maraming salamat po god bless

    ReplyDelete
  11. OFW FROM KUWAIT, about remittances to BPI account November 13, 2015
    May I ask about bpi xpress international. What if my remittances are not deposited to my account? Or what if one remittance does not get credited? Is there a way to remedy it? But there's a receipt per transaction. By the way, I have not changed my PIN for 2 years. But I have been depositing frequently to my account. Thanks a lot po. god bless
    ANSWER:
    Are you using a BPI remittance partner to send money from Kuwait? Remittance is better with partners.
    Enroll in BPI online banking so you can check your account balance. Prepare your user name and a strong password. This is how toenroll in BPI online banking while abroad. When successfully enrolled, always logout after using, and if using public computers, always clear history.
    If later on you use a smartphone for your online banking, it's advisable that you do not activate the Send Money to an Unenrolled Account. Anyway, this cannot be activated while you're abroad because the activation is completed using a BPI atm machine.

    ReplyDelete
  12. Hi! I availed easy saver last nov 11 in our school. The assistant said that i can only change pin on the dates of nov 17 and 18. When I read the letter they have given me, it says 2 banking days. So I change my pin Nov 13 but transaction not allowed. Then day 18 came, I also change the pin but in BPI not in family savings bank because I don't know where I could change the pin, it also said that the transaction wasnt allowed and i have no record in bpi. So today this morning, I changed my pin in family savings bank but again, transaction not allowed. I insert the card again for the last time to change the pin and it says, pin incorrect. What should I do??? I hope you understand me and thanks you if you will answer me. :)

    ReplyDelete
  13. Hi. pwede po ba ako mag deposit ng cheke sa esavers account. example cheke from veterans na naka-name saken, pwede po ba diretso ko na ideposit yun sa esavers ko?

    ReplyDelete
  14. Hi mam ask ko lang po . may tin id ako, as my primary id, secondary ko po ung mga barngay clearance, police clearance and police id, nso birth cert., philhealth id,

    Makakapagopen po ba ko ng easy saver account ? Ngtry po kc ako sa novaliches branch pero hnhnapan prn ako ng isa dhl tin id daw ang meron wala pa po kc ako sss E un ang hnhnap pa skn, pepede po b ung mga ids ko na yan sa branch ng fairview?

    ReplyDelete
  15. Hi mam, ask ko lang po kailangan na po ba talaga mag balance inquiry bago mag withdraw through ATM Machine?

    Thanks you.

    ReplyDelete
  16. About the need to make a balance inquiry before withdrawal:
    Do we need to perform balance inquiry before withdrawing from an atm machine?
    ANSWER:
    No, you don't need to make a balance inquiry. You can withdraw immediately. But if you are withdrawing from atm machines very far from your place, or if it's night time or weekends/holidays, it is wise to make a balance inquiry first, in case the machine is out of order, or in case there's a glitch.

    ReplyDelete
  17. Replies
    1. Yes, you can open this account at a BPI or BPI Family branch. Bring 2 valid photo IDs, TIN, and 2 id photos. Some might require proof of address, so bring any bill in your name and address.

      Delete
  18. Hi po. I opened this atm account last June. It's a zero balance account. I was intending to use it for sending my wage to my mom because I thaought my mom's account is not acceptable in my employer. however my mom's account was accepted by my employer thus the remittance goes directly to her account nalang. So, i have forgotten about this one. Can I ask of what would be the status of this account? Am i going to pay for not depositing for almost 5 months already starting from opening the account? or will it be deactivated??? or what?

    ReplyDelete
    Replies
    1. Your account is still active. No, you won't pay any charge for not depositing for several months. It will become dormant after 2 years of no deposit or withdrawal.

      Delete
  19. Hi good afternoon, question lang po. I applied for the BPI card na may 3k maintaining balance. Nabawasan ko sya ng 1200 pesos, makain na po ba yung remaining balance ko? Or bawasan po nila yung next kong ideposit? Thanks in advance for those who'll answer.

    adtrealtyandi@yahoo.com

    ReplyDelete
  20. Hi goodafternoon, question lang po. Nag open ako ng BPI acct na may 3k maintaining balance, kaso nabawasan ko sya ng 1200. Makakain ba yung remaining balance ko sa card? Or mabawasan yung ideposit ko next time?

    adtrealtyandi@yahoo.com
    Thanks in advance for those who'll answer 😊

    ReplyDelete
  21. Hi poh active paba yung bpi card q pag 5yrs ng Hindi nagagamit?hk poh aq

    ReplyDelete
  22. Bhelle December 4, 2015
    Hi poh is my bpi card active after 5 yrs of not using it? I'm in hk po
    ANSWER:
    Your account is no longer active. Your account became dormant after 2 years of not using it. Does it have a balance? You can inquire about it at your branch when you come home for a vacation.

    ReplyDelete
  23. Meron pa po ba nito ngayon? What if wala kang mga bills na maka proof ng address mo ?

    ReplyDelete
  24. Myla Betonio, December 10, 2015
    Is this still offered? What if I have no bill as proof of address?
    ANSWER:
    Yes, this account is still offered by BPI and BPI Family. I think proof of address is not always required. If you have 2 valid photo IDs and 2 ID pictures, you can apply for this account.

    ReplyDelete
  25. can i open BPI Easy saver abroad?

    ReplyDelete
    Replies
    1. About opening a BPI account abroad:
      You can ask for assistance in opening a Philippine-based BPI account if you're in these cities: BPI Europe in London, UK and Rome and Milan, Italy; BPI Express Remittance in Barcelona, Spain; BPI Representative office in Dubai, UAE; BPI Remittance Centre in Hong Kong.

      Delete
  26. Hi po, pde po ba magdeposit ng cheke gamit 2ng easy saver? TIA

    ReplyDelete
  27. Hi po, pwede po ba magdeposit ng cheque sa d2 sa easy saver? Thanks

    ReplyDelete
  28. Hello, question lang po im planning to save around 25k on my savings account, past few months or year hindi ko namemeet yung maintaining balance aware po ako sa fee na around P300php, question ko po is if magdedeposit na po ako by January around 25,000php mababawasan po ba ng P300 or mas mataas kasi d ko nameet yung monthly requirements? Thank you

    ReplyDelete
  29. Hi! Ask lang po, ano po gagawin kapag naka 3x enter wrong pin ka? Nagkamali po kc mama ko, pero alam namn po namin yung pin. Nung aayusin ko na. Di na pwde kc dw 3x na daw nagkamali.

    ReplyDelete
  30. rhey mond, BPI ATM PIN December 26, 2015
    Hi! What should we do if 3x we entered wrong pin? My mama erred, but we know the pin. When I tried to correct, it no longer worked because we had entered the wrong pin 3x.
    ANSWER:
    Call BPI 89-100 to reset your PIN. Remember the time and place you entered your wrong PIN because the BPI officer might ask about it.

    ReplyDelete
  31. Good day Ms. Nora,

    ask lang po ako kung pang student lang ba itong BPI Easy Saver? sana po magreply kayo? Thank You! God Bless!

    ReplyDelete
    Replies
    1. Hello, no, it's not exclusively for students. Easy Saver is for anyone who is not yet able to maintain a certain amount of money in the account everyday, as long as he/she has valid IDs to present. Because it does not require a maintaining balance, it charges 5 pesos for every atm withdrawal and every balance inquiry.
      However, I think BPI will ask certain questions if you open an Easy Saver as a payroll account.

      Delete
    2. Thank You so much for the information. Advance Happy New Year! God Bless....

      Delete
  32. what if my easy savers atm card became dormant, cos i haven't used and deposited for over a year or so and has zero balance, is it possible to apply again for it? thanks! :)

    ReplyDelete
  33. Anyone familiar with old peso bill policy please comment below. Here is the story, I just came from BPI, Marian Fairview branch. I have an old peso bill, while I'm doing my withdrawal transaction, I apologently ask the teller 1 if I can exchange my old peso bill, to my surprise she said sarcastically "Hindi pwede, hindi ka ba aware sa new policy? Ang pwedeng lang ay ideposit!" I said to her " Ay, hindi po kasi sa news lang ako nag re-rely sabi nila pwede pa daw ipapalit sa mga banko pagdating ng 2016, so ang intindi ko pwede pa, nun pala deposit lang pwede." And suplada siya ha! Although it is only 50 peso bill mahalaga pa rin yun kasi kung ideposit ko siya sa atm account ko, hindi naman naglalabas ng 50pesos ang mga atm. And mind you if mag withdraw ako sa atm may charge na 5 pesos every withdrawal sa any bpi atm. MY POINT IS, HINDI BA PWEDENG PALITAN OVER THE COUNTER TUTAL MAY ACCOUNT NAMAN AKO SA KANILA at HINDI BA PWEDENG I APPROACH NG MABUTI ANG CLIENT! Haist! First Monday of the New Year and first bank transaction of the New Year but so disappointed.

    ReplyDelete
  34. hi ask lang po ako pwedi ko po ba makapagpen ng bpi account kahit voters certification and bry clearance na meron ako.

    ReplyDelete
  35. hi ask lang po ako pwedi po ako makapagopen ng bpi account kahit voters certification and brgy clearance as valid Id

    ReplyDelete
  36. Hello po, pwede po bang cash out yung balance ko sa paypal through easy saver? Yung balance ko po na yun galing sa online jobs. Kaka-apply ko lang kasi kanina, nagtatanong ako sa teller di niya daw alam. First time ko po magkaroon ng money transactions online sana masagot po tanong ko hehe. Salamat!

    ReplyDelete
    Replies
    1. Oo pwedi ka mag transfer ngfunds mo from PayPal to your any BPI account w/out charged

      Delete
  37. hi po ask lang po ko pwedi ba makaopen ng bpi account kung walang id kasi voter certificate and brgy clearance lang meron ako?im jen po.

    ReplyDelete
  38. hi po, Im just asking you if pwedi po bang makaopen ng bpi account kung walang id kasi voter certificate and brgy clearance lang meron ako

    ReplyDelete
  39. Ask ko lang po kung may possibility po na mag increase yung savings ko po sa BPI Easy Saver? if yes, how? thanks

    ReplyDelete
  40. Good evening po, Pag hindi po nahulogan for 2 years yung account diba e close nila yun? pwede pa ba ma open ulit yung account ko Mam? Thank you.

    ReplyDelete
  41. Good afternoon po. Pwede po bang e withdraw ang 500 kung ang balance nlang is 535 pesos?

    ReplyDelete
  42. About withdrawing 500 when balance is only 535 pesos: Yes, you can withdraw 500. The withdrawal charge is 5 pesos, so your balance will become 30 pesos.

    ReplyDelete
  43. Shanelle Marquez Bartolome, about maintaining balance for BPI Express International January 23, 2016
    It has been almost 2 months that my atm has only P0.75. Will it close? If it's closed, what should I do? Especially now that my aunt sent me money from Kuwait. How much is the maintaining balance for BPI express teller international?
    ANSWER:
    Is your account a BPI Easy Saver account? If yes, your account is active. Easy Saver does not require a maintaining balance.
    Is your account a regular atm savings account? If yes, you can reactivate your account if it's already closed.
    Make a balance inquiry using your atm card. If your account is closed, you will see "Account is closed" or "Account is inactive". Visit your BPI branch and reactivate it. You will pay 300 pesos to pay for the below-maintaining-balance-penalty. Deposit also some money.
    The maintaining balance requirement for a regular BPI atm savings account is 3,000 pesos. If you like BPI but you cannot yet maintain 3,000 pesos, open an atm savings account at BPI Family -- maintaining balance is only 1,000.

    ReplyDelete
  44. Hi, good day. I have an Easy Savers Account and I enrolled it to the BPI Online Banking System. The app says I have two different balances po. Available Balance and Total Balance. Total Balance has 500 pesos more than Available Balance. Can I withdraw that balance using ATMs po? Cus I heard that Easy Savers has 0 maintaining balance.

    ReplyDelete
    Replies
    1. Available balance
      You can withdraw up to the available balance only. Usually banks put on hold 300 pesos or more for newly opened bank accounts in case account holders close them less than one month after opening. After one month, they make this 300 pesos available for withdrawal.

      Delete
  45. there was a remittance sent to my account last friday totaling to P16,500 ... available balance at that time was 18,500 ... i withdrew around 8,500 (in 2 withdrawals) ... yesterday however, when i checked my account, total balance was 10000 while available balance was 0 ... what seems to be the problem? i tried calling BPI but their network is busy

    ReplyDelete
  46. Hi Mark, sorry I can't think of any possible reason, so you better call BPI. They might need to verify some personal data. Call late at night or at dawn.
    I hope you share with us the reason later on. Thanks

    ReplyDelete
  47. Ano po ba ang requirements ng non-student para makapag.open po ng easy savers account? Taga cebu city po ako.. Tnx

    ReplyDelete
  48. I have a bf from Australia at gusto niya na maghulog ng Pera sa akin here BPI ..pwede ba siya maghulog sa BPI ATM easy saver ko?

    ReplyDelete
  49. precious pretty, remittance from Australia to BPI February 26, 2016:
    I have a bf from Australia and he likes to remit money to my BPI account here. Can he remit to my BPI ATM easy saver?
    ANSWER:
    Yes, your bf can remit money to your Easy Saver account. Here's a list of BPI remittance partners in Australia

    ReplyDelete
    Replies
    1. What are possible questions of getting BPI saver account?

      Delete
  50. Richie Goh, opening an Easy Saver account Feb 17, 2016:
    What are the requirements for a non-student to open an easy savers account? I live in cebu city. Thanks
    ANSWER:
    You present a valid ID: Here's a list of valid IDs accepted by BPI

    ReplyDelete
  51. What are the possible questions that BPI teller will ask kung bakit ako kukuha ng BPI easy saver

    ReplyDelete
  52. Hi ms nors. Mejo off topic po. My aunt sent me money last night Feb 29 7 pm at her time (she's in abu dhabi). I checked it today at my bpi app (i have a payroll account po pala) and wala pa pong nareremit. Is it a reason kasi i dont leave balance on my payroll account (ay ok lang po ba yun) kaya di pa pumapasok remittance nya? Or may certaine time before i receive the money? Machacharge din po ba ko ng fee sa marereceive ko mula sa kanya? Pasensya na po maraming tanong hehe. Thanks po, hope to hear from you soon..

    ReplyDelete
  53. can we ask bpi to issue general atm card whose minimum balance is p500~p3,000 ?
    coz i don't want to deduct p5 whenever withdraw from bpi atm machine.
    i think only bpi atm card is charged p5 even if using bpi atm machine.

    ReplyDelete
    Replies
    1. Hi Toro Pical:
      Yes, you can. You can open a regular BPI atm savings account (the one which has a 3,000 maintaining balance requirement). With this atm card, all your BPI atm transactions are free and all your online fund transfers/bill payments are free.
      BPI Family offers a lower maintaining balance for its atm-only account -- only 1,000, and you can use BPI and BPI Family atm machines for free.
      The BPI Easy Saver account imposes a 5-peso fee for atm transactions and online debits because it does not require a maintaining balance.
      The BDO cash card also charges fees (over the counter deposit and atm withdrawal) because it does not require a maintaining balance. Easy Saver does not impose a deposit fee.
      But if your Easy Saver is your payroll account, then ask your company if you can open a new account, a regular account, for your payroll. Some companies choose this Easy Saver for payroll so they can save on big maintaining-balance requirements.

      Delete
  54. about bpi banking online;
    if we used bill payment, is p5 charged evrytime?

    ReplyDelete
    Replies
    1. Hi Toro Pical, yes, sad, but they do this to compensate for the zero-maintaining-balance offer.
      If your Easy Saver is a payroll account, you can open another regular BPI Family savings account (only 1k maintaining balance), then everytime you receive your salary, transfer all your salary to your BPI Family account (5 peso charge), then you can do your many other transactions from your BPI Family account for free, online or via BPI atm.

      Delete
    2. thank you for exact reply.

      ---in case of bdo atm card ?
      i lately got debit card whose minimum balance must be p2,000 issued by bdo.
      how about charge of using atm transaction and the banking online to use paybill or something ?

      Delete
    3. Hi Toro Pical, with that account, there's no charge if you withdraw or make a balance inquiry at a BDO atm machine. Online transactions like balance inquiry, fund transfer to an enrolled account, bill payment, phone reload, cash card reload are all free.

      Delete
  55. thank you for rapid reply.
    let me ask more questions.

    1.can i return easy saver w/free charge ?
    i like to get regular saving atm card.

    2. anyone can apply for bpi family saving card ?
    minimum balance p 1,000 is attractive,. if it's no charge to use atm transaction and no charge to use banking online transaction such as paybill.

    regards

    ReplyDelete
    Replies
    1. Hi Toro Pical:
      Yes, anyone who can present at least one valid ID, can fill up the opening forms and can pay the initial deposit can open a BPI Family atm savings account.
      Yes, atm transactions at a BPI or BPI Family atm and BPI online transactions are free.
      Wait for at least one month from opening date before you close your Easy Saver. You can open a regular atm account even if you have an existing Easy Saver account.

      Delete
  56. Mico Eniza Yaranon February 29, 2016 at
    Hi ms nors, My aunt sent me money last night Feb 29 7 pm at her time (she's in abu dhabi). I checked it today at my bpi app (i have a payroll account) and there was no remittance yet. Is it a reason that i dont leave balance on my payroll account (is this ok?) so the remittance is not credited? Or is there a certain time before i receive the money? Will I be charged a fee for receiving money from abroad? Thanks po, hope to hear from you soon.
    ANSWER:
    Hi Mico, I hope you got your money already. Yes, there's an inward remittance fee that will be deducted.
    Since your account is a payroll account, it's okay that you don't leave any amount. It's also an Easy Saver -- it does not require a maintaining balance.

    ReplyDelete
  57. Thanks for the reply Ms. Nors, can i enroll my payroll account to paypal?

    ReplyDelete
  58. Ilang months pa lang di nagagamit yung akin but BPI sent me an email requesting me na mgapresent ng isang ID para maupdate daw ang identity info ko. Kase 2012 ko pa inopen yun at estudyante pa ako non.

    ReplyDelete
  59. Anonymous, about updating data March 6, 2016
    It has only been a few months I didn't make a transaction but BPI sent me an email requesting me to present an ID to update my identity info. I opened this account in 2012 and was still a student then.
    ANSWER:
    Did the email come from expressonline@bpi.com.ph? Did it ask you to present your ID at your branch?

    ReplyDelete
    Replies
    1. hi po teh Nora.. may saving account napo ako sa BPI... nag padala po ang tita ko sa Australia gamit ang BPI savings account ko pwede po ba yun??

      Delete
  60. if kung pwede man po savings account ko.. why po kung mag inquire aku sa ipinadala ng tita ko lumalabas po sa machine ACCOUNT NOT AVAILABLE.. really need your help po

    ReplyDelete
  61. Mary Kristine Japon, Account Not Available March 8,
    hi po teh Nora. I have saving account at BPI. My aunt in Australia sent money using my BPI savings account. Is this possible? If possible, why does the machine reply ACCOUNT NOT AVAILABLE whenever I inquire to see my aunt's remittance? really need your help po
    ANSWER:
    Hi Mary Kristine, is your account Easy Saver? Do you have some money in your account? There's a charge of 5 pesos for every balance inquiry, so if your account has zero balance, it does not process your inquiry. Deposit maybe 100 or 200 pesos, or wait for some more days before you inquire. By that time, your aunt's remittance should have been credited. There's also a charge of 5 pesos for every withdrawal.

    ReplyDelete
    Replies
    1. yes po my account is easy saver.. may savings din po akung 200.. pero yung tita ko nung thurs. pa po sya nagpapadala sa akin, pero nung nagtry po akung mag inquire sa current account ko "ACCOUNT NOT AVAILABLE".. is it normal po na mag.appear sa machine na account not available if wala pong laman ang account ko?

      Delete
  62. Mary Kristine Japon March 9, 2016
    yes po my account is easy saver. I have savings worth 200. my aunt sent money last thurs. but when I tried to inquire my current account, it's "ACCOUNT NOT AVAILABLE". is it normal po that the machine shows account not available if there's no balance?
    ANSWER:
    Hi Mary Kristine, did you press "CURRENT"? You should press "SAVINGS". Try again and press SAVINGS. CURRENT is for checking accounts.
    About no balance: I'm not sure what the machine says if it's zero balance, but I know that it will not process because it needs to deduct 5 pesos for every balance inquiry and 5 pesos for every withdrawal.

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  63. hi! id like to ask if i can link the bpi saver to paypal so that i can encash the money from there? thanks in advance

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    Replies
    1. Hi Twin Flame Lover, I think I've replied to your question in another post. But if not, sorry for the delayed response. Yes, I think so. Easy Saver is a regular savings account so you can link your Easy Saver to your Paypal. You can then transfer your Paypal money to your Easy Saver after successful linking.

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    2. I meant Easy Saver as "basically" a regular savings account, although it's special in a way because it does not require a maintaining balance.

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  64. Hi Ms Nora itatanong ko lang kung yung easy saver account ba ay same lang ng BPI DEBIT CARD (esp) kase yun po yung binigay na card sakin pero sa easy saver account po yung inapplyan ko. Salamat po sa reply :)

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  65. Whaine Cajegas March 24, 2016
    Hi Ms Nora, is the easy saver account the same as BPI DEBIT CARD (esp). This is the card given to me, but I applied for easy saver account po. Thanks for the reply :)
    ANSWER:
    Hi Whaine, maybe BPI is bringing back debit cards. I thought most BPI atm cards are named BPI Express Teller, as my daughter's Easy Saver card is a BPI Express Teller atm card.
    It's most likely your account is Easy Saver because you applied for it. A debit card is basically the same as an atm card. BDO's atm savings card is named BDO ATM Debit Card. If you make an atm withdrawal or a balance inquiry and you get a 5-peso deduction, that means your account is Easy Saver.

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    Replies
    1. I meant if you make a withdrawal or balance inquiry at a BPI machine. You'll get a bigger deduction if you use a non-BPI machine, right?
      If there's no deduction at all, your account could be a regular atm savings account, and you need to maintain a balance in your account (1k for BPIF or 3k for BPI). If this is so, then go back to your branch and ask.

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  66. Hi pwede dn po ba ko magdeposit sa BPI at BPI express? bpi family po yung account ko.

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  67. Okay lang ba na ibang tao magdeposit sa easy saver account ko?

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  68. RG II March 25, 2016
    Hi can I deposit to BPI and BPI express? bpi family po is my account
    ANSWER:
    Hi RG II, no. If your account is BPI Family, deposit at any BPI Family branch, not Bank of the Philippine Islands or BPI. If you deposit through cash deposit machine, deposit at a cash deposit machine inside or near a BPI Family branch.

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  69. RG II March 25, 2016
    Is it okay that another person will deposit to my easy saver account?
    ANSWER:
    Hi RG II, yes. Any person in the Philippines or abroad can deposit or send money to your Easy Saver account. Just tell them it's BPI Family, not Bank of the Philippine Islands or BPI. BPI Family and BPI are different banks, although BPI Family is a subsidiary of BPI.

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  70. By the way, anyone can deposit to your BPIF account anywhere in the Philippines without paying an interbranch deposit fee. It's free.

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  71. Hello po. Can i deposit my maneger's cheque from bdo to bpi? Tsaka my bpi international ATM card is 2 pesos balance from january until now.. active pa kaya yong account ko? Salamat po.

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    Replies
    1. Hi sunsue , yes, you can deposit your BDO cheque to your BPI account. If your BPI account is Easy Saver, yes, your account is still active. If they accept your deposit, it means your account is active.

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  72. Hi pwede po bang mapadalhan ang bpi easy savers account from padala abroad?

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  73. Ok lang po bang 300 below maiwan sa atm?

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  74. Hi Nora, I am aware that for every ATM withdrawal, Php 5 is deducted from my account. However, I got surprised when I recently had a Php 98.71 service charge on my Easy Savers account thus leaving me with Php 0. Would you know why this amount was deducted? Thanks!

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    Replies
    1. Hi Evinia, I'm puzzled that your service charge has cents, that it's not a whole number, like 98 or 99. I'm thinking that the charge should be higher, maybe 100, but because that's your only balance, that was the amount deducted. But I don't know why a 100 would be deducted. Sorry I can't think of a reason right this moment, so it would be best if you call 89-100, and maybe you can comment again here. I'll also research about other Easy Saver fees.

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  75. is easy saver also considered as an express teller card? kasi po diba may promo minsan for debit card holders. is it included? thank you

    ReplyDelete
    Replies
    1. Easy Saver as a debit card or Express teller card
      Yes, the Easy Saver atm card is considered an Express teller card or a debit card. Yes, you can join promos like the on-going EPS promo.

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  76. I changed my pin for activation but the atm machine did not show a confirmation message that I successully changed my pin,instead it asked me if I want a receipt then I answered YES and then it just released the receipt and the card. So my question is,did I successfully changed my pin or not? This is a BPI Debit Card.

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    Replies
    1. Hi alex, I think so. What I know is that there should be confirmation, but there could be a change or a glitch. You can try making a balance inquiry using your new PIN (one time only), and if not accepted, get back your atm card, and try using the default PIN given to you, and if accepted, that means you were not able to change successfully previously, so change your PIN for the second time.

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  77. Joel Balladares, overseas remittance to Easy Saver April 27, 2016
    Hi, can a remittance from abroad be sent to a bpi easy savers account?
    ANSWER:
    Yes, a BPI Easy Saver account can receive a remittance from abroad.
    Your sender should write correctly your account name, account no. and bank name.

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  78. marvin legaspi, atm balance below 300 April 27, 2016
    Is it okay if my atm balance is below 300?
    ANSWER:
    Hi marvin, yes, if your account is BPI Easy Saver. Easy Saver does not require a maintaining balance.
    But if your account is a regular account (not Easy Saver), and your balance stays below 300 for 2 straight months, your account will be charged 300 pesos, and then your account will automatically close because your balance has become negative.

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  79. Hello ,Im here in Saudi ,where can I open bpi easy saver account here and how much for the opening account?

    ReplyDelete
    Replies
    1. About opening a BPI Easy Saver account:
      Sorry BPI does not yet allow the opening of BPI accounts overseas, except at BPI's London branch where they give assistance. You can open with 100 pesos as initial deposit and 50 pesos for the card, but you must apply at a BPI or BPI Family branch here in the Phils.

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  80. About payroll account not used for a year
    Hi ms nora. I have not used my bpi for payroll account for a year. I checked online and the .78 was still there. Can I still use this if someone sends money to me? Thanks po.
    ANSWER:
    If this is a BPI Easy Saver account, then surely, your account is still active, and yes, you can use it to receive remittance, and for savings, even if you haven't used it for a long time and even if your balance is zero.
    If it's a regular atm account and not Easy Saver, your account is still tagged as payroll account, so it's not yet closed even if your balance is .78. Yes, you can use it to accept remittance. But your account will be converted into a regular account once the bank sees that it's no longer a payroll account.

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  81. Hi goodmorning question lng po i have bpi savings since college 2011,na stop ko sya gamitin mga 2years ago until now..pwd ko parin po ba sya hulugan kasi as far as i know 30 pesos nlng po aintaining balance nun.. Mahuhulugan ko pa po ba atm ko? Or my expiration po un??? Thankyou.

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  82. jade sheilu bañas, about inactive atm account May 22, 2016
    Hi goodmorning, question po. I have bpi savings since college 2011. Stopped using it about 2 years ago until now. Can I still deposit to my atm? As far as i know, 30 pesos was its last balance. Or is there an expiration? Thankyou.
    ANSWER:
    Hi jade, is your atm account Easy Saver? If yes, you can continue depositing.
    If not, and it's a regular atm account, your account is already closed. Don't reactivate it, as you would only waste your money for penalties.

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  83. Hi, po. I am a student who has a BPI express teller ATM. Tonight at 08:07 p.m, I tried to withdraw a 300-peso cash from my savings, but there was no money that came out from the machine. I am very sure that I still have enough money on my savings. Now, may I ask why is it that the machine did not dispense money, instead there was a receipt given. On the receipt it was a written "TOTAL BALANCE AMOUNT HINDI MAAARI". Again, I am very sure I still have enough balance on my savings.

    I am hoping for your response. Thank you!

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  84. minimum atm withdrawal
    Where did you open your account? If BPI, the minimum atm withdrawal amount is 500 pesos. If BPI Family Savings, the minimum atm withdrawal amount is 200 pesos.
    If it's Family Savings but your balance is exactly 300, it will not be dispensed because there should be extra 5 pesos to pay for the withdrawal fee. By the way, I'm surprised BPI uses vague Taglish in its atm instructions.

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  85. hello po..ilan araw para makuha yun atm? at ilan araw din para magamit yun account?

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  86. Nicole Kenneth Navarro May 28, 2016
    hello po. how many days before we get the atm? and how many days before we can use the account?
    ANSWER:
    I think the atm card is given upon application approval. Each branch or express office has the device to emboss the name of the account owner on the atm card. Usually, the third day. Change your PIN the next day, and then use it the following day. Or if the SOP has changed, change the PIN immediately after opening, and then use it the next day. You can deposit money immediately over the counter upon account approval and encoding into the BPI system.

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  87. pwede po ba magsend ng cash bpi to bpi online at bpi to other bank online?

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  88. send cash from bpi to bpi and others online? May 29, 2016
    Can we send cash bpi to bpi online and bpi to other bank online?
    ANSWER:
    BPI to BPI -- yes. BPI to other banks -- NO. If you're using desktop, you need to enroll the other BPI account so you can transfer from your BPI to the other BPI account.
    To send to an unenrolled BPI account, use your smartphone. Download the BPI app. BPI to Unenrolled BPI Account

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  89. panu pagwalang smartphone di ndi pwdeng magonline banking?

    ReplyDelete
    Replies
    1. mobile banking
      You only need your smartphone if you want to transfer to an unenrolled account.
      If you don't have a smartphone, enroll the other BPI account that you plan to transfer so you can transfer even without BPI mobile banking.

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