BPI Savings Account Without Maintaining Balance -- BPI Easy Saver

12.22.2011

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)
Pag masyadong strict ang branch, mag-inquire sa ibang branch. Or sa ibang banko na lang. Marami namang banks. And then kung meron kang time, mag-comment dito o sa ibang banking blogs about banks 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.

* Itong account na ito ay maganda para sa mga depositors na nahihirapan sa pag-maintain ng minimum balance requirement. Mas mura na yong 5 pesos per withdrawal kesa yong 300 pesos a month na penalty for not maintaining the balance requirement. Planuhin mo na lang ang withdrawals mo para bihira kang magwidro.

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

263 comments:

Anonymous said...

pwd magdiposite 200 sa bpi family savings bank???

jerry dark said...

hi po, eh pano me maka apply sa BPI Express Teller. voters id lang meron ako. ang hinahanap po nila. ss id or passport. ang meron lng sa akin ss na RS-1. di pa ako naka kuha ng id. gusto ko sana mag opn accnt sa BPI Express Teller. ang branch nila sa novaliches high way. yun lang kasi malapit sa amin..

Nors said...

Hi jerry, apply for your SSS ID. I heard their processing has become faster now. If you have paid at least one contribution, you can apply. Bring your voter's ID. You can also apply for a postal ID. Other banks accept voter's ID and postal ID. Meanwhile, look out for BPI Easy Saver account opening promos at supermarkets or malls.

krisha aquino said...

do they accept nbi clearance only?

Nors said...

Hi krisha, sorry that's not enough. You need to show a photo ID. Get a postal ID, but some branches prefer an SSS ID over a postal ID.

Anonymous said...

i have a postal id,is that enough?

Anonymous said...

pwede rin po ba na brgy clearance lang tas may photo copy? wla ako nung ibang id e.

Anonymous said...

sa easy saver po, how long it take po para magamit ito,at pwedi po ba magpagawa ng bank cheque or manager's cheque gamit ang account na yan?salamat po

Nors said...

Hi Anonymous, yes, you can use your account immediately; you can deposit to it immediately. However, the atm card may take a day after you enter your PIN before you can use it.
Yes, you can use this account to buy manager's or cashier's check. But deposit money to it first because you will use this account to pay for the check.

Nors said...

Hi Anonymous, about IDs: they may accept postal ID and another ID (school ID, company ID).
If barangay clearance and postal ID only, I'm not sure; some branches are stricter than others. But you can always try; get in the bank branch and ask the new accounts tellers.

Anonymous said...

Hi, are the two valid ID's should have my present address?I'll bring my passport and company ID.

But my address is not indicated in my company ID.

Also, do they accept telephone bill?

Thank you!

Nors said...

Hi Anonymous, your passport and company ID are valid IDs. Bring 2 ID pictures. The 2 IDs should be enough, but if you have a phone bill, bring it just in case they ask for it.

Anonymous said...

Pano pag nagrerent lang ng bahay?yun mga bills ng kuryente,tubig,etc hindi nman naka name sa amin.pwede ba un dalhin naka name sa owner ng bahay?

Anonymous said...

Hello . Tnong ko lng pde ba mag padala ang ibng bnsa ng money dito sa atm na to ? Thanks

Nors said...

If the bills are not in your name, you cannot use them. If you have 2 valid IDs, you try opening an account. Not all branches or bank officers require bills. I think they ask for bills only if they feel the types of IDs you have shown are not sufficient to prove your identity.

Nors said...

Yes, your sender abroad can send money for deposit to your BPI Easy Saver. Make sure your sender has the correct name, name of bank, and account no.

Anonymous said...

Hi, Good day! Is it ok to deposit a check in bpi easy saver? Thanks.

Nors said...

Yes, it's a savings account, so it can accept a check. Account name and check payee's name should be the same.

Anonymous said...

may byad po b pag nag balance inquiry?

BVI Company said...

Sounds great that banks also shows their concern for the small deposit accounts..!

Anonymous said...

hi. i just applied my bpi savers in bpi banking center at greeenhills last saturday. my first transaction is on sunday when I tried to change my pin but system or the machine message - this transaction is not allowed. i tried to change pin to other atm but same message appeared. when i asked a person on where i applied, the person said "sa glorietta po or sa greenbelt nyo lang po yan mapapalitan ng pin kasi dun lang ang pwede". i felt so disappointing when she said that. i applied on that center because i was already there and also tried bpi services coz i have other bank savings. yes it was easy to apply and get the card instantly but what about changing the pin number? until now i still not able to change the pin because of my work. sayang naman yung little amount that i deposited. what will happen to it? is it true that i can only change the pin number at glorietta and greenbelt? is there other places aside from makati where i could change the pin number? thank you very much.

Nors said...

About PIN change:
Hi Anonymous, I don't know what to say because it's the first time I've read that you can't change your PIN in Greenhills or any other place or city. What I can say immediately is that BPI now has different atm machines, some are for cash deposits only, some are for deposits without atm cards, and some are regular atms. I think you can find a regular BPI atm there where you can withdraw -- I think this is a machine where you can change your PIN. I hope you can find one in Greenhills so you don't have to go to Greenbelt. I'm not a BPI employee -- I'm just a long-time customer -- and I find it hard to believe that BPI will destroy its customer service by not having atms available for PIN change in all its services areas, especially a place like Greenhills. If that is so, we can call out BPI about this.

Anonymous said...

hi nors, to be honest i have great respect to bpi thats why i was really shocked when she told me those... what i did is that i went to bpi expressonline service in a mall then told them what was happened. actually there is also a person who had the same case like me. so what the person incharge did is that she gave me form to fillup and she encode it in the system. and then she said "ok na po ma'am, you can change your pin. use the same/temporary pin po. and then a minute or less, napalitan ko na po yung default pin. i hope that this scenario will not happen to other people who plans to have their savings in bpi.

Nors said...

Hi Anonymous, thanks for commenting again. I don't know why the employee in the express center where you got your card does not know how to suggest remedies in case of things such as you have experienced. There must be something amiss with BPI's training system. I hope this is just an isolated case. At least BPI's image was saved by the employee in another express center. best regards

safirah said...

hello good am..i have read all the comments for this site.and me questions din po ako i just came here in manila last june 2012,then i was planning to make a bank account yung di po ganun kabigat sa bulsa in order for me to save money po.then what i have po is a postal id lang and dun pa po galing palawan yun,aside from that wala na po.meron po ko sss e1 form,wala po id kasi me nagsabi sakin na di daw makakakuha ng sss id unless hulugan ng employer.about proof of billing din po,wala ako kasi nakikitira lang din po ako sa di ko relatives.panu po yun?

Ariel Tan said...

pwede ba sa card na yan ang bpiexpressonline fund transfer online?

Nors said...

Hi safirah, do you have a company ID? Usually, banks look for 2 valid IDs, and if you have 2, they no longer require proof of address.

Nors said...

Hi Ariel, yes, this savings account can be enrolled in bpiexpressonline

Anonymous said...

may possibility b na materminate ang account

Anonymous said...

may possibility na matermnate ang bpi easy saver account kapag hindi nagdedeposit tapos ang balance is 300

Nors said...

Hi Anonymous, BPI has not published a rule about a specific no. of transactions in a year, but I think at least one transaction in 6 months is enough. An account gets dormant when there's no transaction within 2 years.

Jessa Vidal said...

hi po, ask ko lng kung pwede bah gamitin ang easy saver sa paypal? kailangan ko pang e.verify paypal ko and along the process its asking if what card type ang meron? wla nmn nakalagay sa card kung mastercard ito or visa? help po. di ko ma verify paypal ko eh. paki reply po agad. :(

Anonymous said...

You need to have Unionbank account it is visa card already and you can use it for your paypal account. i think it costs 250 pesos.

Anonymous said...

Addition: you can sign up for unionbank Eon Card online. heres the link http://www.unionbankph.com/index.php?option=com_content&view=article&id=2037&Itemid=861

Nors said...

Anonymous, thanks for answering Jessa's question. Two other options are BPI prepaid Mastercard http://www.banksphilippines.com/2012/01/bpi-prepaid-card-my-eprepaid-mastercard.html
and Smart Money (the new version)
Going back to your first question: No, sorry, you cannot use BPI Easy Saver to verify your Paypal.

joy said...

hello po ask ko po sana kasi dito ako Geneva Switzerland then gusto ko mag open ng account sa BPI may form na po ako ng BPI pwde ko po ba e padala sa pinas ito at 2 xerox valid id o original id e padala ko jan at id pictures?tapos ung my hawak na padalhan ko xa na magpunta sa banko para mag bigay ng form pwde kaya un?kahit hindi ako personal mag appy pero complete naman ung padala ko?

Nors said...

Hi joy, I think you cannot open a BPI account in the Philippines through a representative; account opening must be in person. As far as I know, the only times when BPI grants account opening by mail are if you're applying for a BPI Europe account in the UK and for a BPI Direct account in Bahrain, HK, Italy, Spain, UAE and the U.S. I'll check if there's a PNB Switzerland

Nors said...

Hi joy, I checked PNB, and it has already shifted its activities in Europe from banking to purely remittance.

Nors said...

Hi joy, you can ask these BDO partners if they're offering BDO Kabayan account opening: banksphilippines.com
I hope you can share your experience later on. Thanks and best regards

joy said...

thank you...pero walang open account dito switzerland ask din ako sa bdo pinas if pwde pero hindi rin pwde if hindi personal..thnx

Anonymous said...

Hi Nors, nasa Suadi Arabia ang brother. ano bpi account ang pwede ko iopen for his account? Possible ba na ako yung maging representative to apply for his new bpi account? If not, pano sya magkaroon ng bpi account here in the Philippines, Ano need niya gawin? Ano requirements? thanks.

Anonymous said...

pwede ba dito ang joint account?

Nors said...

Hi Anonymous, yes, I think so, as long as the two of you are present and both of you have valid IDs

Anonymous said...

hi...kailan po kaya ma-post yung initial deposit na P200 sa account?..thanks

fatima zahra said...

hello..my bpi atm has no transaction for 10 months, puede pa bang magdeposit in that account?

Nors said...

Hi Anonymous (about deposit of 200), it should be there in your account right after deposit. Is this account just opened? You can check your balance 24 hours after changing your PIN. Balance inquiry fee for this type of account is 5 pesos.

Nors said...

Hi fatima, is this BPI Easy Saver? Are you here in the Philippines? Try making a balance inquiry (but this requires a balance of at least 5 pesos since there's a balance inquiry fee of 5 pesos for this typeof account), or try making a deposit. The teller will not accept the deposit if the account is already closed.

Anonymous said...

Hi Nors...i changed my PIN yesterday afternoon and checked the balance this morning through my bpi online (i enrolled it as additional account)..i'll be checking again later...the balance inquiry fee of P5 is in ATM machines, right?..thanks

Nors said...

Hi Anonymous (about balance inquiry), yes, there's no balance inquiry fee online. But the 5-peso fee is also imposed on funds transfer and bills payment online.

Anonymous said...

Hi Nors, nasa Suadi Arabia ang brother ko. ano bpi account ang pwede ko iopen for his account? Possible ba na ako yung maging representative to apply for his new bpi account?thanks

Nors said...

Hi Anonymous, you cannot open your brother's BPI account in his behalf. He should open his own account in person. What you can open is your own account. If he likes to open a Philippine bank account, there are BDO remittance partners in Saudi Arabia that accepts account opening for BDO Kabayan: BDO Saudi

Anonymous said...

nakuha ko na po atm card ko ngayon pero nasa work pa po ako pwede ko na ba ireg muna yun sa online at mobile po?para kapag nag activate ako sabay sabay na lahat sa atm?

Nors said...

Hi sorry I haven't tried that or haven't read about something like that, but you can try enrolling in Internet banking, since your account is already active, and it takes time before they email you back. For mobile baking, I think you need to activate your atm card first. Perhaps you can share here later on what happened. best regards

Anonymous said...

Pwede po ba mag deposit ng amount like 450 pesos

Nors said...

Hi Anonymous, yes, you can deposit that amount.
If you like, you deposit 4 pieces of 100 pesos into a BPI deposit machine. best regards.

Lucky Rojales said...

ako si lucky isang studyante ang nanay ko po ay taiwanese kasi po wala na yung door to door na padala ng money sabi nya po mag open ako ng account. pwede po ba sakin to im 17 yearsold this coming oct 14. tnx please reply fast TY.

Nors said...

Hi Lucky, yes, you bring your school ID and latest school registration card, if you have, plus ID picture plus any other ID that you have. If you have a remittance receipt in your name, it also helps, as proof of address and future remittance to your account.

juriejhoy said...

hi po..i would like to open an account sana kaso wla po akong permanent residence dito..NPA po aq..hehe!so panu po aq makaka.apply pg.gnun po?

Anonymous said...

Hi! Everytime I pay using my bpi easy saver card to a store na may EPS, will there be a 5 peso fee? If i deposit through a teller, may fee din ba?

Anonymous said...

Hi! Tanong ko lang po sana kung lifetime na po ba ung account mo once na nag open account kana po ng bpi easy savers account? thanks po and god bless.

Anonymous said...

Okay naman po BPI Easy Saver Account,every semester may pumupunta sa school namin para mag-encouraged ng students like me na mag-open ng ATM saving account and i can say na OK to, kaya kaming magbabarkada nag-open ng account!kinailangan lang namin ng photocopy of our school ID, 250 pesos para sa card & initial deposit.Although may bawas na 5 pesos per withrawal at minimum withdrawal ay 500 lang, at least nae-encouraged tayo na magsave more!A week lang ang hihintayin para ma-activate ang account and mapalitan ang Pin!Kailangan ding i-activate ang BPI banking thru Phone (smart /Globe) para sigaradong maaactivate ang account mo then after a month, may nareceive akong mail galing BPI!

Anonymous said...

Gud pm..wla po ba limit e deposit ot transfer sa easy saver?..khit 1M or more pwde?

Anonymous said...

NORS. pano po ba mag depositng check? what are those steps? baka kasi mag muka akong tanga pag kaharap ko na yung machine :) thanks.

Anonymous said...

hi. Close na ung atm express teller ko. Would you advice to have it re-opened, make a new account or itong easy saver mas marecommend mo? Thanks! :)

Nors said...

Hi Anonymous (about deposit limit), no, there's no deposit/remittace/transfer limit for this account. But if you have already accumulated a big amount, it's best to transfer it to a time deposit so it will earn much more, and check out the mutual funds of BPI and BDO, so you can invest also in mutual funds.

Nors said...

Hi Anonymous (about eps fee), yes, there's a 5-peso fee for every eps transaction. There's no fee for depositing over the counter. You can also use BPI deposit machines -- also free.

Nors said...

Hi Anonymous (about reopening closed accounts). If the account has been closed for over many months, I think you can no longer reactivate it. If it was closed this month or last month, there's a chance you can reactivate it, but you will pay a penalty of 300 or 600 pesos.
BPI Easy Saver is good for students or new grads or first-time employees because it does not require a maintaining balance. The 5-peso atm withdrawal, balance inquiry or eps fee is better than paying 300 pesos or more for not being able to maintain the monthly average daily balance.

Nors said...

Hi Anonymous (depositing a check). Are you referring to the BPI Easy Assistant machine? The machine is a way to get a queu number. The transaction is completed at the counter. Just relax when you're infront of the machine. Many others had their first time.
First, tap the screen, so the menu will appear. Choose Deposit, Withrawal, Encashment, Payment, etc. If you will deposit the check, you will enter the account number and amount of check. If
encashment, you will probably enter amount and check no.
I experienced only Deposit, so I don't know the complete menu for the others. But you will be able to do it. The machine will issue a small while slip with a Number. That's your queu number. Wait for your number to be called, or look from time to time at the digital screen where numbers are being flashed. Go to the counter when your number is called or flashed.

Anonymous said...

thank you nors. very helpful :)

Anonymous said...

HI Nors, nag-open ako ng new account BPI Easy Saver. Ilan days sya pwede makuha dun sa branch?

Thanks.

Anonymous said...

How about naman po s passbook and atm? Mgkano po ung balance n kailangan imaintain? At how much po ung s requirement? Thanks in advance po.

Anonymous said...

how much is the minimum amount if ill be going to deposit using easy saver?

Anonymous said...

Ano po requirments para sa BPI join account? At magkano po dapat maintaining balance?

Nors said...

Hi Many Anonymous:
- BPI Easy Saver account does not require a maintaining balance
- After opening, you can get the atm card usually after 5 days or a week. They will instruct you. The number of days changes.
- BPI did not say the minimum amount for deposit. But I think you can deposit at least 100 pesos. But I suggest deposit at least 500 pesos so your effort and time is well spent. You can use BPI cash deposit machines -- they accept 100, 500 and 1000 peso bills.
- For joint accounts, the 2 or 3 persons who want the joint account should all be there in person to open the account, with their valid IDs, ID pics and proof of address, such as bills, in case they ask. Joint accounts have the same maintaining balance requirements as those for single-owner accounts.
- A regular BPI Passbook account requires a maintaining balance of 10k. I suggest you try first the ATM savings account (maintaining balance of 3k - BPI or 1k - BPI Family) and see if you can maintain an account. This way you can prove to yourself that you can maintain a passbook account.

Anonymous said...

Hi! I am an online seller. Can my clients send their payments through my BPI Easy Saver account?

Nors said...

Hi Anonymous, yes, your clients can deposit their payments into your account over the counter at any BPI branch without paying an interbranch fee.

Anonymous said...

Thank you so much for the prompt reply!

Anonymous said...

how much is the interest di ko po kasi alamg kung halimbawa may 700 pa laman ang atm

Nors said...

Hi Anonymous, the interest is negligible -- 0.25% per year. And you should maintain at least 1k in your account before it earns interest. The best use for this account is to save and then after you have saved a lot, put your savings in time deposit.

Anonymous said...

Good morning,

pwede ko ba malaman ano ano ang mga requirements for my son who is 1 year and 2 months?

Anonymous said...

Yes, pwede ba namin malaman kung ano yung mga requirements kung sakali gusto namin mag open ng savings account for are kids?

thanks.

Nors said...

Hello, for children who cannot yet sign, you're going to open In-Trust-For (ITF) accounts. Parents would be the principal account owners. I'm not sure if they offer ITF BPI Easy Saver accounts.
Regular opening requirements are 2 valid IDs and 2 1x1 ID pictures. There are branches that require proof of address such as Meralco, PLDT or water bills.

For kids who can fill up bank forms, the requirements would be birth certificate, school ID, registration card, and ID pictures.

There are bank accounts designed for children and teenagers:
Bank Accounts For Children best regards

Anonymous said...

Hello. I just want to ask if I can withdraw a big amount over the counter even if I only have an ATM. Thanks..

Nors said...

About OTC withdrawal: Yes, it is allowed. If you're withdrawing less than 20k pesos, you'll pay 100 pesos. If more than 20k, it should be free because the atm daily withdrawal limit is 20k (except for BPI Maxi One accounts).

Anonymous said...

ask ko lng kung pwede may mgttransfer saken ng money sa ibang bnsa using her account there para ttransfer ng money sa account ko sa easy saver?

Anonymous said...

hi,can i ask how much ang pwedeng i withdraw using bpi easy savers using atm? :)
thank you :)

Nors said...

About atm withdrawal amount: The minimum amount for BPI accounts is 500 pesos. For BPI Family account, the minimum is 200 pesos. Maximum atm withdrawals in a day = 6 times

Nors said...

About money transfer direct from bank abroad: Your sender can do that if his/her bank is US-based; they can use Xoom, Wells Fargo, Lucky Money or Western Union or Moneygram.
For other countries, they can do wire transfer at their banks.
For Australia, wire transfer or mhits:
http://www.banksphilippines.com/2012/12/mhits-send-money-from-australia-to.html

pheb's said...

I have postal ID,birth certificate from NsO and 1by1 pic. is that enough for BPI atm application?

Anonymous said...

I have a Voter's ID and barangay clearance.Are they enough as requirements to open an easy savers acct?Thanks!

Nors said...

About opening account: Usually, they ask for 2 valid IDs, so I'm not sure if they accept those. Voter's ID and postal ID are valid IDs. Yes, NSO and barangay clearance can help. Bring a utility bill as proof of address. Try applying with what you have -- sometimes it depends on the branch or on the bank officer serving you.
If you are students, they are more considerate because bank officers understand that students usually have their school ID only plus their NSO certificate.

Anonymous said...

Hi ask ko lng po kung pwde png gamitin yung bpi easy saver card if 10 months ng d nagagamit. My charge n ba yun? Pno pag magdedeposit ako ng money need ba s mismong branch or it can be any bpi branch?

Anonymous said...

hi, kelan ba nagko-closed ang bpi account? pano kung mag-zero balance sya tpos ilang months ng hindi nahuhulugan, ma-dede-activate ba un? thanks!

Anonymous said...

hi po,meron na po aq atm account ,peru gusto ko mag inqiure sa maintining balance true online,anu po kelangan ko gawin

Anonymous said...

thomas here, hi nors, may nabasa ako na this savings account can be enrolled in bpiexpressonline.. panu mga transactions dun?. bawas din ba ng 5 pesos?.

Anonymous said...

just ask to how much the bank of atm?

Anonymous said...

Hi! Do they accept NBI Clearance as ID?

Nors said...

About where to deposit: You can deposit at any BPI branch.

Nors said...

About 10 months without any deposit: BPI has no definite rule about it, but I think your account is still active.
You try depositing -- the teller won't accept your account is already closed.

Nors said...

About NBI clearance: You should have other IDs. NBI clearance is in the list of valid IDs, but banks want additional photo IDs. Some tellers also require proof of address such as Meralco or PLDT bill.

Nors said...

About enrolling this account in bpiexpressonline.com: Yes, you can register this account. Any debit (deduction) of money from this account will incur a 5-peso charge -- online, atm, store, supermarket, etc.
Over-the-counter withdrawal charge is a no-no because the charge is 100 pesos.

Anonymous said...

Hi nors, i have sss id, postal and voters id pero lahat ng yan family name q is nung single pa ako.. Nung february aq ikinasal at wla pa akong i.d sa new family name ko.. Okay lang ba na yan gamitin ko at mgdadala lang ako marriage certficate?

kat rico said...

hello, i just want to ask kung magkanu ung makakaltas sa savings ko if ginamit ko ung card sa may EPS na store to pay my groceries or such, like sa sm department store or savemore or national bookstore, coz their using EPS now a days .. tnx ! kat here :)

Anonymous said...

Hi i just wanna know is there any of your branch here in marikina accepts voters id and postal id as a valid id? I tried to apply in your gil fernando branch but they dont accept such ids..

Anonymous said...

hi, nag apply ako kaninang 1pm ng hapon araw ng linggo ngayon sa may quiapo nandun sila sa labas, isang sss ID lang hiningi na requirements then nag fill up na ako,at nagbigay ng 1x1 picture at sa MAY 31-JUNE 1 ang start ng transactions ko at change ng pin number, sa binigay nilang resibo kung saan nagbayad ako ng 50 pesos sa card at 200 pesos sa initial deposit amount ang nakalagay na branch name nila ay: GRACE PARK 2ND AVE, branch code: 0011.. tama po ba proseso nila?

Anonymous said...

Hi! tanong ko lang po, pag nag open ba sa bpi atm account katulad ng easy saver, e laging may matatanggap na mail about the account summary? maliban sa first mail na iwewelcome ka nila, lagi rin ba na mag csend sila ng mail about transactions? And, okay lang po ba kong postal id lang from province at nbi clearance? sa province ko po kasi nakuha ung akin ung nbi ki naman sa manila. Pero sa manila naman na pi ako mula ng mag aral.

Anonymous said...

I hope, my postal i.d nbi clearance and brgy clearance will be accepted! easy saver is for everyone! student, worker unemployed~
sana tanggapin dito sa BPI sa ZAMBALES mga ids ko :(

Anonymous said...

Hi ask ko lang kung may charge po ba kapag nagdeposit ka sa ibang lugar? Example ang account ko ay ginawa sa pampanga then magdedeposit ako sa manila may charge po ba yun? Tnx po :)

Anonymous said...

GOOD DAY! pwedeng student id lng? Im studying at manila and im 19 yrs old.. Usually hahanapan ako ng VOTERS ID eh hndi po ako nagpa reg last botohan.. Pwedeng student id lang po? Thankyou!

Nors said...

Hi kat rico, if you use this BPI Easy Saver for EPS, there's a charge of 5 pesos. There's additional fee if Megalink or Bancnet POS is used.

Nors said...

About IDs to open your BPI Easy Saver account: Sadly, merong mga new account officers o branches na mas strict sa IDs. Pero usually mas lenient sila sa students kaya puede na ang school ID, registration card o NSO birth certificate at utility bill.
For adults, expected nila na merong company ID, SSS ID at iba pa, kaya hahanapin itong mga ito. Yong sa mga meron lang postal ID at voters ID, dagdagan nio ng Meralco or PLDT bill in your name. Postal ID and voters ID are valid IDs -- ewan bakit hindi pa enough sa kanila ang 2 na yan.
From time to time, nagpo-promo ang BPI sa mga supermarkets at schools, magtanung-tanong na lang.

Anonymous said...

hi po! ask ko lang po tatay ko po kasi nasa doha nag wowork! may easy saver po ako. naghulig na po siya doon once! mayroon po ba siyang fee na binayaran? kasi po dito sa atin di ba free pag bpi to bpi. curious lang po ako pag nagbabayad pa rin. malamang hehe di ko pa po kasi siya natanong.

hi po, ask lang po ano nmn po advantage ng my maintaining balance sa wala po tpos vise versa po, tnx

Judith Estrobo said...

ung bill ng meralco ndi nkapangalan sken pwede ba un?

Nors said...

About remittance from Doha: Yes, lahat ng international money transfers, kahit anong bank ang gamit, merong fee, kahit BPI remittance partner to BPI account.

Nors said...

Hi Randolph, ang advantage ng no-maintaining-balance requirement ay walang penalty kapag konting pera lang ang naiiwan sa account mo.
Ang advantage ng merong maintaining-balance requirement ay mapipilitan kang magtipid para hindi ka widro nang widro at nang sa ganon you will not fall below the maintaining balance requirement. Isa pa, sa case ng BPI Easy Saver, meron itong 5-peso fee for every atm withdrawal, balance inquiry, online debit and POS debit. Sa regular account (with maintaining balance), walang fees for transactions.

Nors said...

Hi Judith, puede siguro if you bring a certificate, such as birth certificate, to show your relationship to the Meralco account owner.

Anonymous said...

hello po , vemme here , pwede po bang mag joint acoount sa bpi easy savers yung 2 students, same 17 years old po ? and tatanggapin po ba nila if different location po ung current address namin , pero pareho naman po kaming present sa pag open ng account. possible po ba un?

Nors said...

About JOINT ACCOUNT: Sorry I'm not sure, but I think they will encourage you to each open an account, lalo na at minors pa kayo. Ako rin, I encourage you to each open your own account, kasi minors pa kayo. At saka ito ang mas prudent na gawin specially regarding sa finances.
Puede naman kayong mag-save separately and then share in paying anything that you like if that's what you want.

Anonymous said...

i see, thanks po. :)

Anonymous said...

pwedi ba tong gamitin sa any CIRRUS atms abroad?if yes magkano ung charge?

Anonymous said...

gud am! ask ko lang po kung how much ung maintaining balance ng bpi express teller international atm ??

Nors said...

Maintaining balance ng regular BPI atm savings is 3k
Kapag BPI Family atm savings, it's 1k

Nors said...

Abroad: Yes.Withdrawal fee is US$3.50, inquiry fee is US$1 or maybe $1.50 na. But there will be times that the BPI-Cirrus does not work, so do not depend so much on your atm card for your cash needs abroad

This comment has been removed by the author.

good pm po...SSS, TIN, POstal I.d po meron sken,,, then yung about sa latest billing proof po.... sa tita q po aq nakatira... ok lng po buh yun? ..NBI clearance lng po yung same address namin... the rest sa province na po.. thank you..

This comment has been removed by the author.
Nors said...

Hi christine, I think your SSS and postal IDs are enough, but bring the other papers in case the BPI officer asks for additional papers.

thank you ma'am .. God Bless

Melody Suarez said...

can it be use in withdrawing money from my paypal account?

Nors said...

Hi Melody, yes, you can register it with Paypal for withdrawal.

For others with related verification question, it cannot be used for Paypal account verification.

Jeffrey B. said...

hi ask ko lang po kung sakaling mag open ako ng BPI dollar account. tapos nakabalik na ako ng US possible po ba makapag transfer ako ng dollar using WELLS FARGO bank into to my BPI Dollar account(PH) using online money transfer bank to bank and how much it cost in dollar or peso? ano po ba magandang Gawain ko?

Nors said...

Hi Jeffrey, yes, you can transfer money online by opening an account with Wells Fargo and then sending the first remittance in person at the branch. It costs from $4 to $8, up to a remittance amount of $3,000.
You can also use XOOM. You can use this service with any U.S. bank account, credit card or debit card. Remittance fee starts at $5

Anonymous said...

Ask ko lang po, kapag hindi po ba nakahulog ng 3 or more consecutive months sa account mo ay may penalty? How much po if meron?

Nors said...

About not depositing anything for 3 or more consecutive months: Is this about Easy Saver? There's no penalty because this is a zero-maintaining-balance account. Pero huwag mo namang palampasin ng isang taon...at least one deposit in 6 months, puede na. Wala kasi silang published na rule related to time limits...
pero sa BDO Kabayan account na zero-maintaining din, at least one foreign remittance in a year.

Anonymous said...

Salamat po sa reply.. Easy Saver po account ko, nag padala po kasi yung BPI Family ng account statement ko.. may nakasulat po na Credit=P630.. Kea ko po natanong kung may penalty ang hindi naka-withdraw ng 3consecutive months..

Ask ko po, saan nang galing yung credit? Natatakot po ako mag deposit ulit dahil baka kainin lang yung 630 ko ng hindi ko alam kung bakit may credit ako..

Thanks po..

Anonymous said...

Hi Nors goodevening,mag dalawang taon ko na di nagdeposit sa bpi easy saver acc ko,sa tingin m po?is it stil active?thanks

Anonymous said...

good day. ask ko lang po f ilang araw ba re-reflect sa balance ko f yong kapatid ko nagtransfer ng pera online sa bpi easy savers account ko. last monday pa kc xa nag transfer, hanggang ngayon wala pa ung pera sa acct ko

Nors said...

About money transfer: Do you mean merong BPI Internet banking account ang kapatid mo at in-enroll niya ang account mo sa account niya at nagtransfer siya ng pera sa account mo? If yes, dapat real time ito. Pag-click ng transfer, dapat nasa account mo na ang pera.
Or did your sibling remitted from abroad? What remittance company did he use? Dapat nasa account mo na ngayon ang pera. Your name and account no. on the remittance slip should be correct -- match sa account mo. Tatagal lang ang foreign remittance kapag ang ginamit ay wire transfer from a country na walang BPI correspondent bank. Your sibling should go back to the remittance company and ask.

Nors said...

Is Easy Saver still active after 2 years of inactivity? Yes, on-hold or closed na yan, kasi dormant na. All savings accounts ay nagiging dormant kapag walang transaction within 2 years.

Nors said...

Credit na 630? Sure mo na wala kang ideneposit na 630? Baka you forgot. You can try making a balance inquiry sa atm machine (5 pesos charge), and check if the 630 is the current balance and available balance. Magiging 625 later on, bawas ang 5-peso fee.
I don't know pero meron nang mga namamali ang account na nalalagyan; usually nate-trace din ng teller at binabawi, pero siguro pag small amounts, hindi na hinahanap ng nawalan.

Anonymous said...

ASk ko lang po kung may post po ba kayo about sa Time Deposit and Investing in PSEC.. Gusto ko po kasi pag aralan.. Magkano minimum na invest mo, gaano kalaki ang interest, sino po ang magandang broker.. Marami po ako gusto malaman.. Salamat..

Anonymous said...

yup BPI internet banking... young kapatid ko nasa pinas lang... pag in-enrol kc ang bpi easy saver as third party lalabas xa under bills payment. kaya bills payment ung gnawa nya un kc sabi ng taga bpi

Nors said...

About Funds Transfer/Bills Payment: To transfer money to a third party account, dapat FUNDS TRANSFER. Pero bago magtransfer, i-enroll muna yong 3rd-party account para pag i-click ang Funds Transfer, mag-aapir ang 3rd party account.
Ang Bills Payment ay para lang sa registered merchants. Kaninong merchant nagtransfer ang kapatid mo?

Nors said...

Additional: Ang pag-enroll ng 3rd party account ay vina-validate sa BPI branch or sa BPI atm machine, depende kung anong instruction after enrollment. Hindi pa puedeng mag-transfer sa newly registered 3rd party account kung hindi validated.

Anonymous said...

ung kapatid in-enroll nya sa bank as 3rd party ung acct ko, after few days check nya online & saw na andon na nga ung bpi easy savers acct ko pero under bills payment... un daw sabi ng taga bpi na pag bpi easy savers, under un sa bills payment

Anonymous said...

hi Nors if ever inactive na yung bpi saver account ko, pwede kaya gumawa ulit?

Anonymous said...

Hello po. About valid IDs po. I've only just graduated and wala pa po akong work, what if the only IDs I have are my 2 Alumni IDs? One from my highschool and one from my college. May NBI Clearance na rin po ako... will these suffice? ---Thank you po.

Nors said...

About inactive BPI Savers account: How long has your account been inactive? 1 year? How about trying to deposit money into it? And if it's inactive, the BEA machine won't accept it, or the teller will say it's inactive. And then you can open another Easy Saver.

Nors said...

About IDs: I think you can still use your college ID. Your high school ID is no longer valid. NBI clearance is listed as a valid ID by the BSP, but sometimes the banks don't consider it as an ID. But try. Wala namang mawawala. There are times the new accounts teller is considerate. Try opening your account at a BPI Express Center (nasa malls and near malls).

Nors said...

About Time Deposit, meron ako dito: Time Deposit in a Savings Bank

Nors said...

About stocks, punta ka sa pinoymoneytalk.com. Puede ka sa forum mag-back-read. Puede mo ring i-download yong free ebook ni Bo Sanchez na "My Maid Invests in the Stock Market" sa trulyrichclub.com

Anonymous said...

okay pa po ba ang acct kahit hindi na nagamit nang 1 year at zero na yung balance?....pwde pa po ba ma open ulit?

Nors said...

About unused account: Try making a balance inquiry sa BPI atm kung ano ang isasagot. 5 pesos ang balance inquiry fee, so dahil zero na ang account, wala nang pambayad sa balance inquiry, pero tingnan mo lang kung anong response. Itong account naman is zero maintaining balance, so dahil hindi pa naman 2 years, at hindi pa dormant, most likely na active pa siya. Puede ring you try depositing at a branch using the BEA machine; the machine will tell you Invalid Account No. if the account no. is invalid.

Anonymous said...

Hi. Ask ko lang kung if ever nakagawa ako nang ganto. Then ung isa kong relative overseas magdedeposit nang pera thru my thataccount ko na yan, possible ba yun? :) Thanks.

Anonymous said...

ah okay po.....thanks po.. i try ko po i open yong acct uli.. ..pg ng deposit po ba ako,hindi po ba babawasan yong deposit?..kasi po almost one yr na hindi na gamit.....

Nors said...

About remittance to BPI Easy Saver: Yes, your relative overseas can remit/deposit into your Easy Saver account. If your relative can send through BPI remittance partners, then remittance would be faster and cheaper.

Nors said...

About penalty for not depositing for almost a year: Dapat wala, kasi zero-maintaining balance ang account.

Nero Escaliver said...

hi ask ko lang po ng open ako ng bpi join account with my gf last march.nagbakasyon po kami and 2 1/2 months ko sya di na depositohan pero my balance sya na 500. ngayon andito na po kami sa manila nag check ako sa atm but not in bpi sa bdo ng eeror napo yung password ko.ibig sabihin po ba nito closed na yung account ko?pls help me

Nors said...

Hi Nero, try again at a BPI atm, baka lang napataon ka sa isang glitch. O baka lang other type of account yong napindot mo. Kung ayaw pa rin, call BPI 89-100 or visit your branch

Anonymous said...

hi ppo!just pened an acct with bpi easy savers. i used managers check along with the 200php.how many days po ba bago pwede nang ma withdraw?.i opened the acct and deposited the managers check last monday.thanks!

Nors said...

About check deposit: Your money from the check should have been already available yesterday. If it's a regional check, expect it to be available today or tom.

Anonymous said...

Oh ok..coz ive been trying to withdraw since yesterday..nag.e.error po..perhaps tomorrow avail.na nga..sana..haha..citibank managers cheque po sya..thanks anyways..

Anonymous said...

hi. . .i have a bpi easy savers but i'm planning to close account and change it to a regular savings account pero ndi dw sya pwd iclose kz nga no maitaining balance. . bt gnun???

Anonymous said...

how much is the charge if you will withdraw abroad???mine is easy saver. . and pls give me a good option pra mkamura. . .tnx

Nors said...

About closing BPI Easy Saver and opening another type of BPI account: If you like to open another type of BPI account, you can open as long as you have 2 valid IDs, 1 photo and initial deposit required for that type of account. For BPI atm savings, opening and maintaining balance is at least 3k.

Nors said...

About withdrawing abroad: From the BPI website:
Foreign Transactions via Cirrus ATMs
- Withdrawals of US$ 175.00 and below -- $ 3.50
- Withdrawals above $ 175.00 -- 2% of withdrawn amount
- Balance Inquiry -- $ 1
- Denial $ 0.50
You can bring all the dollars that you need, up to 10k (declare at the BSP if more than 10k), so you don't have to withdraw abroad

Anonymous said...

but pwde ko iclose ang BPI easy saver account k???

Nors said...

About closing your BPI Easy Saver: If the BPI teller does not like to formally close it, then close it by withdrawing all that you can withdraw via the atm machine or by using it to pay your grocery up to the centavos. Then cut it into pieces. It will become dormant in 2 years, and will be closed.

femmenagerie said...

Hi! Is the easysaver compatible with BPI expresslink (payroll) system? I have a BPI family savings account, but accountant says I need a BPI account (not Family) so that I can use it for payroll services. Thank you so much :)

Anonymous said...

our company uses this atm for our salary. we have the same branch and they do wire transfer or sometimes deposit directly. I have enrolled my atm at bpiexpressonline.com to check the balance. other than that i only withdraw from bpi atm. I just noticed that i have been deducted 200pesos whenever my salary comes in. Is there any charge for any of these or do i need a maintaining balance which i have more than 5pesos in there?

Nors said...

Hi femmenagerie, yes, as long as you open this account at BPI (Bank of Philippines Islands).

Nors said...

About 200-peso fee for salary credit: If you opened this account independently from your company, and you just submitted your account no. to your company, then this account has a maintaining balance requirement, and you need to maintain it. But I'm puzzled because the fee for falling below the maintaining balance is 300 pesos. The maintaining balance requirement for a BPI atm savings account is 3k.
If your account was opened via your company, there shouldn't be a maintaining balance requirement, so ask your HR why there's a 200-peso charge whenever your salary is credited.
Or if your company does not have a payroll agreement with BPI, and it's depositing to lots of accounts at a time, there could be a fee for this. Ask your HR.
If it's a Swift wire transfer from abroad to a BPI peso account, the fee is 150 pesos

Anonymous said...

HI GOOD MORNING,this is cathy,gusto ko pong mag apply for the BPI Easy saver,as I read the requirements,i have a problem with my current address....coz its like this,,im here in manila now working,my province is ilocos,,,what address should I use? please response coz I want to open my account wiyh the bpi easy saver asap. thanks..

Nors said...

About address: Hindi ko na mataandaan masyado yong bank forms, pero alam ko, merong spaces for current address at permanent address (provincial address). You can also use the address of your company as your current address if you frequently change your residence.

Anonymous said...

hi again,about sa I.D,,,pwede bang philhealth i.d. at yung i.d ko nlng as employed,?..thanks

Nors said...

About IDs, puede na siguro. Wala kasing photo ang Philhealth ID, di ba? Pero valid ang company ID, so sige go, I hope puede na. Some branches ask for a xerox of your IDs and 1 id photo.

Anonymous said...

Good afternoon. I have a daughter. Can I open an easy savers account for her? Pwede ba na ako na lang ang magpunta and magopen ng account under ng pangalan niya? Thank you.

Nors said...

About opening account for daughter: Yes, your daughter can open an Easy Saver account, but your daughter should be physically present with you at the bank with her IDs.
If she's less than 7 years old, I think what banks usually offer is an In-Trust-For account, with you as the account owner holding it in trust for your daughter.

Anonymous said...

Hello again,
About opening account for daughter: Pwede ba na IDs ko na lang ang gamitin na pang open ng account ng daughter ko? I'll bring her along na lang, pwede ba yun? She doesn't have enough valid IDs kasi. She only has a postal ID, and she's not qualified for an SSS ID yet.

Nors said...

Account for daughter: Sorry ang titingnan nila ay IDs ng daughter mo. Hindi ko na sure kung okay sa BPI na postal ID lang kasi sa BDO ayaw na nila ang postal ID. Ewan ba kung bakit ganon.
Try mo na lang sa BPI; I hope your presence will convince the bank officer to let your daughter open. Try the nearest BPI Express Center. Minsan mas flexible sila kesa sa full-service branch. Mas okay pa ang school ID, if she's still studying. Required din ang 2 ID pictures and xerox copy of ID.

Anonymous said...

Hi. Just want to ask if pano ang mga full time housewives na gustong mag open ng acct sa Bpi easy saver n walang valid id's? Is it possible kung brgy clearance nlang and the nso birth certificate or marriage contracts ang ipresent?

Angel Williams said...

Hi there, Nagtataka lang po ako kasi nung chineck ko po ung account ko eh may bawas nang 5pesos po, pero di ko nmn po ginamit ung pera or di nmn po ako nagwithdraw, may hidden charges po ba ang BPI kahit hindi ginagamit ung account?

Nors said...

Hi Angel, meron pong 5-peso fee ang balance inquiry sa atm machine. Mag-enroll po kayo sa BPIexpress online para ma-check nio ang balance ninyo without paying the 5-peso balance inquiry fee

Nors said...

About valid IDs: Lahat naman ng banks require valid IDs, yong merong photo at signature, kahit isa sana, para ipakiusap nio na lang na tanggapin ang brgy clearance. Dati, puede na ang postal ID, pero ngayon, hindi na ito tinatanggap ng BDO, pero puede pa rin yata itong postal ID sa BPI and other banks.
If you decide so, and if you need IDs also in other transactions, puede ring kumuha na lang ng passport, kasi yong postal ID, usually around 500 pesos or more na, eh yong itsura parang ordinary ID lang, so parang mas maganda na ang passport (950 pesos yong 15 working days, 5-year validity). Hindi naman kelangang pumunta sa DFA sa Pasay kung meron nang DFA desk office sa mall malapit sa inyo or sa munisipyo ninyo. Sa Muntinlupa area, merong DFA office sa Metro Mall sa Alabang Town Center.
Puede ring magpa-open ng account sa husband mo, under his name, dahil siya ang merong IDs, and then ikaw ang maglagay ng PIN mo.

Anonymous said...

Hi, mayroon po akong Easy Saver.Less than 500 lang po ung laman nun,about 450 pesos pag nagi-inquire ako ng balance. Iwi-withdraw ko po sana kaso below minimum maintaining balance po ang sinasabi sa lahat ng ATM Machines ng BPI.Ano po kayang problema? Thanks.

Nors said...

About withdrawal amount: Did you open your account at BPI? If yes, the minimum withdrawal amount is 500 pesos. Dagdagan mo or magdeposit ka ng 50 or 100 pesos para mawidro mo.
Sa BPI Family, 200 is the minimum withdrawal amount.
If you like to try (hindi ko pa na-try), you try withdrawing at non-Express Teller atms baka puede ang lower amount. Pero 15 pesos ang withdrawal fee kapag non-BPI atms.

olechs logro said...

hi what if i want to open an account like this for my 2 kids ,both minors?

Nors said...

Hi olechs, I'm not sure if they allow In-trust accounts for BPI Easy Saver. BPI might advise you to open the account type designed exclusively for kids. Here are some savings accounts for children -- their maintaining balance requirement is not high: savings accounts for kids

Anonymous said...

hi,may card na ako,pero ang problema ko hindi ko pa na papalitan yung pin no.ko,kc nung pinapalitan ko yung pin ko nagkanda malimali ako,e I was just following the instructions naman,i did it trice,right it says there press "enter"and I did naman,,but then later on I approach the guard and then he said that I shouldn't press the enter dahil mag kakaroon nanaman ng another transaction.and then he told me to come back tom.nlng.and then,morning I go back there and unfortunately bp is off line or line down,,or wat so ever u call it.so now today,i want to go back there para Ipapa activate ko yung card ko...now my question is okay pa ba na I activate nila ang aking card?kc saying naman,i trusted bpi so hopefuly they can make it,,im waiting to your responce

Nors said...

About PIN change: Sa 3 tries mo, sure mo na wala kang nabasa na Your PIN has been successfully changed?
If you need to enter your PIN, I'm not sure now about the exact steps, pero basically Press Special Services, then PIN change, then enter your 4-digit PIN, then sasabihin Re-enter your PIN. Then sasabihin na Your PIN has been successfully changed. Then subukan mo nang mag-Balance inquiry. Puedeng okay na ang Balance inquiry, puede ring hindi pa. After 24 hours, puede na lahat ng transaction types.

Nors said...

About PIN: Puede ring wala na ngayon yong Special Services, at makita mo na agad ang PIN Change. Or magkasabay na ang PIN Change at Special Services

Anonymous said...

Hi! Just want to ask I have a company & voters ID pero ndi pareho ung signature. Will this be enough? The voters ID was issued around 10 years ago so obviously magbabago na ang penmanship ko by now. Hope you can help :(

Anonymous said...

Can I use this BPI Easy Saver as a settlement account for UITF?

Nors said...

About settlement account: I think so, yes. But since obviously you can maintain the required minimum balance for regular accounts, I think it's wiser if you open a regular savings account so you don't spend 5 pesos for every atm balance inquiry, atm withdrawal and online funds transfer.

Anonymous said...

How about if I have no bills as proof of address. I am not from this city, right now. I can't have clearances like barangay clearance, etc. What else do I have to bring?

I only have valid ID's.

Anonymous said...

active pa po ba ung accnt ko..? di ko kase changed ung temporary PIN , active pa kaya un? sa BPI po non maintaining balance.. pero meron po ako ibang BPI accnt.. TIA po

Anonymous said...

ask ko lang if pwede ba ang BPI Easy Saver kahit anong age? working na?

ranze libre said...

Hi I just found out this promo and trying to avail ako kaso hindi tinatanggap ng BPI ang postal ID ko hindi daw valid sakanila ang ganun ID and police clearance or baranggay clearance. Ano po ba pwede ko gawin to avail this promo? Kailangan ko kasi mag-open ng account and for assurance gusto ko sana sa BPI talaga.

Anonymous said...

Hi! I have a copy of a brgy. Clearance, my school records, nso birth certificate and my year book but I dont have any I.D since Im only 17, do you think they will still accept my application?

THANK YOU VERY MUCH FOR YOUR COMMENTS.

Manila, Photo: Mike Gonzalez
 
 
 
 
Copyright 2013 . Banks Philippines . Powered by Blogger
About Author / GOOGLE+ / Privacy Policy
Using Xclear theme by daris4 . Themescook