1.04.2013

BPI Prepaid Card: My ePrepaid MasterCard -- Just Like Credit Card

By Nora
Updated November 19, 2015
  Good news!  The load limit has increased to 100,000 pesos!  
You can load Over the Counter at any BPI or BPI Family branch nationwide or through BPI electronic channels
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Buy online, pay online, or verify your Paypal without a credit card. Apply for the new BPI prepaid card -- MY ePREPAID MASTERCARD -- which can be used to buy online, just like how you use a credit card to buy items or pay for services on the Internet.

This is good for those who don't have a credit card, but who want to pay for promo airfares, and lots of other promo products.

PROS (Good things about My ePrepaid MasterCard):

- No maintaining balance
- 100% approval, meaning lahat makakakuha basta merong 1 valid ID and 500 pesos for processing
- Can be used to buy online, in all websites that accept MasterCard (choose Credit Card as payment option)
- Can be used to buy in stores in the Philippines and in other countries (stores that accept MasterCard)
- Can be used to pay restaurants in the Philippines and in other countries (restaurants that accept MasterCard)
- No need for PIN. Present the card and sign the sales slip.
- Only 500 pesos to purchase the prepaid card
- Valid for 2 years (so only 250 pesos for one year)
- It's just like a credit card: it has a 16-digit card number, has a 3-digit card verification code, and has a validity period or expiry date
- Can be used to verify Paypal
- No fee to use the card (but ask merchant if they add fees, especially if you're abroad)
- Load or reload over-the-counter at BPI, at BPI cash acceptance machines or via funds transfer in your BPI Internet banking account
- Maximum load limit has been increased to 100,000 pesos!  When this card was launched, the maximum limit was only 10,000 pesos.
- Free balance inquiry via phone. Call 89-100, within GMMA.
- Children as young as 10 years old and who have IDs can apply for their ePrepaid MasterCards. But they should apply together with their parents.
- Enjoy discounts and freebies from BPI Real Thrills

CONS (Limitations)

- You CANNOT WITHDRAW money from the ePrepaid card... not thru ATM, not over the counter, and not via online funds transfer. This means that if you have a tight budget, load your card only if you need to buy online.
- You can not make balance inquiry via ATM machines.
- Balance inquiry via text is 2.50 per text

Is there a way I can take cash out of My ePrepaid MasterCard prepaid card?

Yes, there is. BUT ONLY at the time you CLOSE your My ePrepaid MasterCard. And before closing, you need to open a BPI Express Cash Card or Money Card, so the teller can transfer your ePrepaid balance to your cash card. This feature may change without prior notice.

How to apply for a BPI My ePrepaid MasterCard?

You can apply online, fill out the form, submit it, print it, and then bring the filled-up form 5 days after online application, together with 1 valid ID and your 500 pesos.

You can also apply directly at any BPI, BPI Family branch, or BPI Express Banking center in Greater Metro Manila (NCR, Laguna, Cavite, Bulacan, Pampanga) and go back 5 days after to claim your prepaid card.

How do I check my balance through TEXT?
Only for Globe and Touch Mobile subscribers:
Type BALEC <your 16-digit My ePrepaid card number>, and send to 2274

How do I make balance inquiry via phone?

1.  Dial 89-100
2.  Press 4 for BPI Express Cash
3.  Press 1 to inquire for the balance of your card
4.  Key-in your 16-digit My ePrepaid MasterCard number

Dial +63-2-89-10000 if you're abroad


Note: The other local bank debit/prepaid card that can be used to buy online and to verify Paypal is the Union Bank EON card, which requires an annual fee of 350 PHP.  Philippine Savings Bank has also started issuing its PSBank Prepaid Mastercard.

28 comments:

  1. hndi po ba nkkain ung avail balance pag d nagamit ung card?

    ReplyDelete
  2. Question from chadclark about card inactivity 08/21/15
    Will the balance not disappear if the card is not used?
    ANSWER:
    According to the terms, the card should be used at least once within 120 days. Call BPI 89-100 if you're nearing 120 days from your last card use

    ReplyDelete
  3. What is the minimun amount that i can reload?

    ReplyDelete
    Replies
    1. If you are loading from your savings account via phone, the minimum is 50 pesos. If via ATM cash deposit, I think it's 100 pesos. If over-the-counter, maybe 50 pesos.
      If via online banking, I think you can load any amount because you can enter any amount -- anyway I think the online system will tell you the minimum, if there's a minimum, and you entered an amount below the minimum.

      Delete
  4. pwede ba siya magamit in other country ?

    ReplyDelete
  5. About use of BPI Prepaid in another country:
    Yes, this BPI ePrepaid Mastercard debit card can be used to pay purchases in another country because it is linked with Mastercard, an international payment network.

    ReplyDelete
  6. 1.Hello! I just want to know if I can Have BPI eprepaid Card?
    Im 15 Years Old.
    2.Can I use my School ID?
    3.Can I Register/Apply in "any" BPI Branch Here In Philippines?
    4.Where Can I Get the card If I already Registered?
    5.How many Days Can I Get the Card?
    6.Can I withdraw money on that? If Can. where?
    7.Where Can I reload in Eprepaid Card?
    8.Can I buy Online?
    9.Can I use Paypal Account when Paying?
    10.How much I need to pay to get the card?

    ReplyDelete
    Replies
    1. Hi Michael,
      1. Yes, 15-year-old teeners can apply for this prepaid card.
      2. Yes, you can use your school ID.
      3. Yes, you can apply at any BPI or BPI Family branch, or any BPI Express outlet.
      4. Get the card where you applied.
      5. You will be advised when to return to get your card, up to a week.
      6. No, you cannot withdraw money from your prepaid card. You have to use it for purchase or payment. However, if you decide not to renew your card, you will be advised on how to get your cash back.
      7. You can load your card through any BPI cash deposit machine. Insert your prepaid card. Choose Special Services. You can also load through any BPI branch over the counter. Use the BEA assistant machine. Choose Bills Payment.
      If you have a BPI atm card, you can load through a BPI atm machine. Choose Special Services. You need to know your 16-digit prepaid no. If you have BPI online banking, you can transfer money online from your savings account to your prepaid card.
      8. Yes, you can use your prepaid card to buy online.
      9. Yes. Add first your prepaid card to your Paypal account. If you use Paypal for payment, and you don't have enough Paypal balance, Paypal will get money from your prepaid card. Paypal will use their buying rate to change your pesos into US dollars.
      10. You pay 500 pesos for card processing.

      Delete
  7. hello.. my choices kg san na place mu xa pwede makuha.. preferred nearest branch.. taz 500 ung payment.. if u have a bpi savings accnt u can transfer funds sa prepaid card mu..yes u can purchase online.. prang credit card dn kc xa peri dpende sa balance mu ang eppurchase mu..

    ReplyDelete
  8. Hi. Can I open this account and use it abroad?

    ReplyDelete
    Replies
    1. Hi Chin, yes, this is a Mastercard debit card, so you can use it abroad at stores that accept Mastercard. The card will use the peso-dollar exchange rate set by Mastercard at the time of purchase abroad.

      Delete
  9. Kasama rin po ba sa mga perks or promos yung purchases na magagawa using my eprepaid mastercard?

    ReplyDelete
  10. how much is the daily limit in the amount the bpi my eprepaid card can be used to pay online goods or services? Is that 100,000 or is the 100,00 for the whole month already?

    ReplyDelete
    Replies
    1. 100k is Maximum load or maximum balance
      It means the card can contain only up to 100,000 pesos at any one time. But you can spend 100k or more a month, or a week or a day. You just have to load again and again. Just remember that the maximum balance at any time is 100k. If today you have used up already your 100k, and you want to buy or pay some more today, then load again today 10k or 50k or 100k or any amount up to 100k.
      For example, initially, you have 100k, then you spent 60k, so the available money in your card becomes 40k. Immediately, you can load 60k so your available money will again be 100k. You can't load 60,500 or 41k or more because the total balance will become more than 100k.

      Delete
    2. But of course there could be maximum limits in frequency of loading and reloading 100k within a day to prevent money laundering activities.

      Delete
  11. Hello! Just wondering if the e-prepaid card can process refund like any other credit cards?

    ReplyDelete
  12. About refunds: I haven't experienced returning a product purchased online, but I think so, because we use this prepaid card as Mastercard credit card when buying online, but it really depends on the merchant and its return/refund policy. There are merchants, like local merchants, that accept Mastercard credit cards but do not refund through Mastercard, but through bank deposit or merchant credits/vouchers.
    When the money is refunded via Mastercard, the amount could be lower due to the lower exchange rate used by Mastercard.

    ReplyDelete
  13. hi! can i use BPI eprepaid paying DHA(dubai health authority) exam through online? im on the credentialing step. hope you can answer me. thanks

    ReplyDelete
    Replies
    1. Using EPrepaid to Pay DHA Exam:
      Yes, EPrepaid is a Mastercard debit card but it can be used as a credit card online. Mastercard is an international payment system. When choosing mode or type of payment, choose CREDIT CARD, not debit card. You will enter the 16-digit card no., the expiry date and the security code or CVC code at the back of your card. Make sure that the required payment amount in dirham is available in your card in peso.

      Delete
  14. paano po mag load ng money sa prepaid card ko if andito ako sa abroad

    ReplyDelete
  15. How do I load my prepaid card if I'm abroad?
    Sorry there's no counter there where you can load. If you have a BPI deposit account and you have BPI online banking, you can enroll your EPrepaid so you can transfer money to it.
    The other option is for you to ask your family to deposit cash over the counter at any BPI branch. Give your 16-digit card no. Tell them to use the BEA machine at the branch so they can get a queue number. Select "PAYMENTS" then "OTHER MERCHANTS", then enter 16-digit card no.

    ReplyDelete
  16. Hi, I have a BPI ePrepaid Mastercard, and I want to enroll a study program online. It's a Canada based online course worth $300. You mentioned a lot that it can be used for international transaction. How bout American dollar currency? Will it automatically convert itself? I'm just afraid I can't withdraw back my 300$ which is likely Php13,ooo. Help? Should I deposit the money to my card and try it??

    ReplyDelete
  17. Hi, I have a BPI ePrepaid Mastercard. I want to enroll to an online study program. It's a Canada based Online course worth $300. The website is linked with MasterCard and Visa. You mentioned a lot that this card can be used for International online transactions. However, I'm just skeptic if it will automatically convert the PHP to US$. Should I go for it using this card? I'm just afraid I can't withdraw the money back . Thanks for answering

    ReplyDelete
    Replies
    1. Hi Vianca, yes, you can use your ePrepaid Mastercard as a credit card to pay online. Yes, when you pay, the Mastercard system will convert $300 into pesos and the amount in pesos will be automatically deducted from your peso money.

      Delete
  18. can I use my bpi e prepaid card to pay bills on sm bills and payment?

    ReplyDelete
    Replies
    1. Hi Bea, sorry no. For offline use, you use it only to pay for goods/products at Mastercard-linked stores.

      Delete
  19. Can i use it to avail 0% interest in installment mode? I just got my indigo card and it cost 350 na lang. Because im from Pampanga.

    ReplyDelete
    Replies
    1. Zero-interest installment: Sorry, the 0% interest installment promo is only for credit cards. This card is a prepaid or debit card. You load money into your card so you can use it to pay goods online.
      I wrote that it's like a credit card because you can use it to buy products on the Internet.

      Delete

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