General Questions
The merger of BPI and Robinsons Bank allows customers of both banks to have better choices through a wide range of best-in-class and innovative products from the combined product portfolios of Robinsons Bank and BPI.
The merger took effect on January 1, 2024.
With the merger, Robinsons Bank is now BPI.
After the merger, activities will be implemented to integrate BPI and Robinsons Bank processes. We hope to complete these activities by the end of 2025.
Robinsons Bank clients will enjoy being backed by two of the largest and strongest conglomerates in the country - the Ayala Group and the Gokongwei Group. Robinsons Bank and BPI clients will have the opportunity to enjoy a wider suite of financial products and services, plus broader branch and ATM networks once the integration is completed.
Yes, your money will remain safe and secure, during and after the integration of Robinsons Bank processes with BPI. We will continue to place high regard on protecting our depositors' money, and services to our clients will not be hampered throughout the process.
Your Robinsons Bank account, together with your Robinsons Bank branch of account, will be integrated with BPI. When the integration takes effect, you will have a new BPI account number with a BPI branch of account.
While your account is not yet integrated with BPI, you may continue to use your Robinsons Bank account to transact at any Robinsons Bank branch using your Robinsons Bank account number.
Rest assured that you will be notified and updated, through your registered contact information in Robinsons Bank, via email, SMS or postal mail before and after these changes take effect. The notification will indicate the changes to your –
- BPI Branch of Account
- Effective date of the changes
- How to find out your new BPI account number
- Instructions and updates regarding your products, bank facilities and arrangements.
After your Robinsons Bank branch of account is integrated as a BPI branch and your bank account is updated with a new BPI account number, you can no longer transact in any Robinsons Bank branch using your old Robinsons Bank account number.
You may only start transacting in any BPI branch once your Robinsons Bank branch of account and bank account have been integrated with BPI. We will notify and update you regarding the integration of your account, through your indicated contact information on record, via email, SMS or postal mail, before and after the integration of your account is completed.
While your account is not yet integrated with BPI and thus has not yet been updated with a new BPI account number, please continue to transact with any Robinsons Bank branch using your old Robinsons Bank account number.
To know your new BPI account number, please visit your branch of account or call our 24-hour BPI Contact Center at (+632) 889-10000 for International and Domestic Long-Distance calls, (+632) 1-800-188-89-100 for our Domestic Toll-free Number (PLDT) or at our International Toll-free Numbers available in the BPI website.
For Business Banking customers, you may visit your branch of account or reach out via our BPI BizLink hotline (02) 8790-1400, or send an email to bizlink@bpi.com.ph for BizLink-related inquiries, or bbclientservices@bpi.com.ph for business loans-related inquiries.
For Corporate Banking clients, you may reach out to your Relationship Manager.
Consumer Banking / Retail Customers
Branches
Robinsons Bank branches will be integrated with BPI in batches.
Upon integration of a Robinsons Bank branch of account with BPI, the Robinsons Bank accounts with said branch of account will be updated with new BPI account numbers. If your Robinsons Bank branch of account is not yet integrated with BPI, please continue to transact with any Robinsons Bank branch using your Robinsons Bank account number.
Rest assured that we will provide you with updates and information regarding changes to your branch of account before and after the changes take effect. Please refer to the Robinsons list of branches for their corresponding schedule of integration and new branch details.
You may only start transacting in any BPI branch once your Robinsons Bank branch of account and bank account have been integrated with BPI. We will provide you with updates and information as to when you may start transacting in any BPI branch.
After your Robinsons Bank branch of account is integrated with BPI and your Robinsons bank account is updated with a new BPI account number, you can no longer transact in any Robinsons Bank branch using your old Robinsons Bank account number.
While waiting for the integration of your Robinsons Bank branch of account and bank account, you may continue with your usual branch transactions at your Robinsons Bank branch of account or any Robinsons Bank branch.
After your Robinsons Bank branch of account and bank account are integrated with BPI, you can no longer transact in any Robinsons Bank branch using your old Robinsons Bank account number.
Prior to the integration of a Robinsons Bank branch with BPI, you will receive a notification regarding changes to your SDB agreement with the Robinsons Bank branch, if any.
Deposit
Once your Robinsons Bank branch account is integrated with BPI, your Robinsons Bank account will also be updated to a BPI account with the following changes:
- Your Robinsons Bank account number will be discontinued, and you will be provided with a new BPI account number.
- Your Robinsons Bank account type/product will be converted to an equivalent BPI account type/ product.
Refer to the list of Robinsons Bank deposit account types/products with their corresponding BPI deposit account types/products below:
| Savings Accounts (PHP) | |
| From (RBank product) | To (BPI product) |
|---|---|
| Savings Account ATM | Express Teller Savings ATM |
| Savings Account Payroll | Express Teller Savings Payroll |
| Savings Account Passbook | Express Teller Savings ATM |
| Tykekoon Savings Passbook Account | Jumpstart Savings ATM (for 17 yrs. old and below)
Express Teller Savings ATM (for above 17 yrs. old) |
| Iponsurance Savings Passbook Account | Pamana Savings ATM (for below 59 yrs. old)
Express Teller Savings ATM (for below 59 yrs. old and up) |
| Savings Accounts (USD) | |
| From (RBank product) | To (BPI product) |
|---|---|
| Savings Account FCDU Passbook | Express Dollar ATM Savings |
| Checking Account (PHP) | |
| From (RBank product) | To (BPI product) |
| Checking Account | Regular Checking |
| Checking Account Payroll | Payroll Checking |
| Checking Account JGEP | Maxi One Checking |
| Time Deposit Accounts (PHP / USD) | |
| From (RBank product) | To (BPI product) |
| Peso / Dollar / Euro / Yen Time Deposit | Regular Checking |
| Peso / Dollar SA (Special Savings Account) | Regular Time Deposit |
| 1-year / 1.5 year / 3-year TD with Monthly or Maturity Interest | Regular Time Deposit |
| 5-year Time Deposit with Maturity Interest | Plan Ahead Time Deposit |
| 5-year plus 1 Day TD | Plan Ahead Time Deposit |
While awaiting the integration of your Robinsons Bank account with BPI, you may continue to use your Robinsons Bank account for your usual transactions at any Robinsons Bank branch or facilities.
Once your Robinsons Bank account is updated with a new BPI account number, as a BPI account please take note of the following applicable changes:
| CHECKING AND SAVINGS ACCOUNTS | |||||
|---|---|---|---|---|---|
| FROM | TO | ||||
| Robinsons Bank Product Name | Minimum Monthly ADB | Balance to Earn Interest | BPI Product Name | Minimum Monthly ADB | Balance to Earn Interest |
| Savings Account ATM | PHP 2,000 | PHP 5,000 | Express Teller Savings ATM | PHP 2,000 | PHP 5,000 |
| Savings Account Payroll | 0 | PHP 5,000 | Express Teller Savings Payroll ATM | 0 | PHP 5,000 |
| Savings Account Passbook | PHP 5,000 | PHP 10,000 | Express Teller Savings ATM | PHP 3,000 | PHP 5,000 |
| Savings Account Passbook (Corporate) | PHP 5,000 | PHP 10,000 | Maxi-One Corporate CA | PHP 25,000 | PHP 25,000 |
| Tykekoon Savings Passbook Account | PHP 2,000 | PHP 2,000 | Jumpstart Savings ATM (for below 17 yrs. old)
Express Teller Savings ATM (for 17 yrs. old and above) |
PHP 1,000
PHP 3,000 |
PHP 2,000
PHP 5,000 |
| Iponsurance Savings Passbook Account | PHP 20,000 | PHP 20,000 | Panama Savings ATM (for below 59 yrs. old)
Express Teller Savings ATM (for 59 yrs. old and up) |
PHP 20,000
PHP 3,000 |
PHP 25,000
PHP 5,000 |
| Checking Account | PHP 5,000 | 0 | Regular Checking | PHP 5,000 | 0 |
| Checking Account (Corporate) | PHP 10,000 | 0 | Regular Checking (Business) | PHP 10,000 | 0 |
| Checking Account Payroll | 0 | 0 | Payroll Account CA | 0 | 0 |
| Executive Payroll Checking | 0 | PHP 10,000 | Maxi-One Checking | 0 | PHP 25,000 |
| Savings Account USD | USD 100 | USD 500 | Express Dollar ATM Savings | USD 100 | USD 500 |
| Savings Account USD (Corporate) | USD 100 | USD 500 | USD Savings Passbook | USD 100 | USD 500 |
| Payroll USD | 0 | USD 500 | Express Dollar ATM Savings | USD 100 | USD 500 |
| CMS Business Link Account (Corporate) | PHP 3,000,000 | PHP 3,000,000 | Maxi-One Corporate CA | PHP 25,000 | PHP 25,000 |
| MSE Business Link (Corporate) | 0 | PHP 3,000,000 | Maxi-One Corporate CA | PHP 25,000 | PHP 25,000 |
| CMS Reference Account | 0 | 0 | Regular Checking (Business) | PHP 10,000 | 0 |
| USD Reference Account | 0 | 0 | USD Savings Passbook | USD 500 | USD 500 |
The interest rate of your Robinsons Bank account was aligned with BPI interest rates as published last March 2024. These rates will remain the same upon integration of your Robinsons Bank account with BPI. Thereafter, future changes in interest rates that will be published by BPI and which will depend on factors such as market, policy, and competitive rates, cost of funds, and cost to serve, will apply.
Once integration of your Robinsons Bank account takes effect and is updated to a BPI account, all prevailing and governing BPI terms and conditions of the corresponding BPI product/account type shall now apply to your account.
You may find more product and account information in the BPI website.
The PDIC maximum coverage is per institution. Once the integration of your Robinsons Bank account to BPI is complete, the maximum total coverage for all your accounts in BPI will be P500,000.
There is no need to move your Robinsons Bank account to BPI. Your account will be automatically integrated with BPI.
However, if you would like to open a BPI account or purchase a BPI product, you may do so – and we will be happy to assist you with the documentary requirements at your BPI branch of preference.
You may only open a BPI account in a Robinsons Bank branch after the latter has been integrated with BPI as a BPI branch.
If you wish to open a BPI account now, you may open new BPI accounts through the following channels:
While awaiting integration of your Robinsons Bank account with BPI, you will continue to receive your monthly pension via your Robinsons Bank account.
Once your Robinsons Bank branch of account is integrated with BPI, this means that:
1) Your Robinsons Bank branch is now a BPI branch or transferred to another BPI Branch; and
2) Your Robinsons Bank account number will be discontinued, and you will be provided with a new BPI account number.
SSS requires you to provide your new BPI branch of account and BPI deposit account number directly to SSS. Thus, immediately after the changes to your account have taken effect, you may update your bank account details either via the SSS website or through any SSS branch or office.
If you have not yet updated your account number with SSS immediately after the changes have taken effect, we will temporarily continue to credit your pension that we receive from SSS for your Robinsons Bank account number to your new BPI account number. We will notify you in advance when the automatic crediting of SSS pensions for old account numbers will be discontinued.
To avoid possible future delay in the receipt of your pension, we encourage you to directly inform SSS of your new BPI branch of account and BPI deposit account number immediately after the changes to your account have taken effect.
Yes, you will continue to receive your payroll credit. We will provide your new BPI payroll account number to your employer. Your employer should use your new BPI account number provided when they process your payroll via BPI BizLink.
For Accounts used as settlement for corporate bond investments with the Philippine Depository and Trust Corporation (PDTC), you will receive a separate advisory on how you can update your records with PDTC to ensure continuous crediting of coupon payments and redemptions to your new BPI account number.
For Accounts enrolled in Automatic Debit Arrangement (ADA) with RBiz merchants, you will receive a separate advisory regarding instructions on your ADA arrangement.
Other Robinsons Bank Deposit Products
A separate notification has been sent to your registered contact information in Robinsons Bank. You may also check the Robinsons Bank website for related announcements on account types that have already been permanently discontinued.
- If you are 58 years old and below as of December 2024, your Iponsurance account will be converted to BPI Pamana ATM savings account with FREE insurance coverage up to 3x your last 3 month’s average daily balance, not to exceed 2M pesos, under BPI AIA.
Once your account is converted to BPI Pamana ATM Savings account, you will not be required to visit the branch for any re-submission or re-documentation. As an existing BPI Pamana accountholder, your free insurance coverage shall immediately take effect and it is optional should you wish to secure a BPI Pamana insurance certificate in the branch.
- For 59 years old and above, your Robinsons Bank Iponsurance account will be converted updated to a BPI Regular ATM Savings.
Debit Cards
While your Robinsons Bank account is not yet integrated with BPI, you can continue to use your Robinsons Bank debit card for your transactions.
However, once your account is integrated with BPI, you will no longer be able to use your Robinsons Bank debit card. A new BPI debit card will be issued to you for your needs.
The notification that you will receive regarding the integration of your Robinsons Bank branch of account and bank account, through your registered contact information via email, or postal mail prior to the effective date of the change, will include the following instructions regarding your new BPI debit card:
1) Your Robinsons Bank debit card will be replaced with a new BPI debit card.
2) You may get your new BPI debit card at the branch address indicated in the notification to you.
3) You will need to bring and present to the branch at least one (1) valid photo and signature bearing government ID.
4) After you get your new BPI debit card, you will need to activate your card at any BPI branch ATM within 10 calendar days.
5) Your new BPI debit card can be used starting on the effective date that is indicated in your advisory.
Your Robinsons Bank account cannot be linked to your existing BPI debit card. Once your Robinsons Bank account is integrated and updated with a new BPI account number, you may link your new BPI account number to a single BPI debit card through any BPI branch.
If your account has not yet been integrated with BPI, no action is necessary. Your payments will continue to be debited from your existing Robinsons Bank debit card.
Once your Robinsons Bank account has been integrated with BPI and your new BPI debit card has been activated, you will need to immediately update your enrollments with merchants using your new BPI debit card to ensure continuous debiting or crediting to your new BPI account.
If your account has not yet been integrated with BPI, your existing Robinsons Bank Visa debit card can still be used for online payments.
Once your Robinsons Bank account has been integrated with BPI and your new BPI debit card has been activated, you will need to use your new BPI debit card for your online payments. You can no longer use your Robinsons Bank Visa debit card.
The BPI Debit Card uses chip card technology, which is the global standard for secure card payments, ensuring that your every transaction is secure.
You will also have access to BPI Card Control in the BPI app where you can change card limits, enable, and disable features, and temporary and permanently block cards. Moreover, e-commerce transactions will require you to enable e-commerce access via Card Control and would be covered by One-Time PIN (OTP) on 3D Secure enabled merchants.
Yes, you can customize your withdrawal, spending limits, and other card settings quickly and in real-time for BPI debit cards via BPI Online and the mobile app.
You can pay with your BPI debit card in stores wherever BancNet or Mastercard is accepted in the Philippines. For more information, please visit BPI Debit Card.
Yes, you can use your card in point-of-sale (POS) terminals abroad wherever Mastercard is accepted. For more information, please visit BPI Debit Card.
Yes, you can pay for online purchases and services wherever Mastercard is accepted. To do this, you must first enable e-commerce access via BPI Card Control in the BPI app. For more information, please visit BPI Debit Card.
You can withdraw from any BancNet or Mastercard affiliated ATM here and abroad. For more information, please visit BPI Debit Card.
Checkbook
If your Robinsons Bank checking account has not yet been integrated with BPI, you may continue to use your Robinsons Bank checks.
Once your Robinsons Bank checking account is integrated with BPI with a new BPI account number, your Robinsons Bank checks with the old Robinsons Bank account number will continue to be honored for clearing and encashment until the last banking day of year 2026 only.
Your checks issued with the old Robinsons Bank account number, with issue date on or before the last banking day of year 2026 and presented for clearing and encashment until the last banking day of year 2026, do not have to be replaced.
If your Robinsons Bank checking account has not yet been integrated with BPI, you may continue to reorder new Robinsons Bank checks. You may coordinate with your Robinsons Bank branch of account for assistance on this requirement.
You may order BPI checkbooks for your new BPI account number starting on the effective date of the integration of your Robinsons Bank account with BPI. The effective date is indicated in the notification that will be sent to you prior to the integration of your account.
Time Deposits
There will be no change in the remaining period of your TD and will continue uninterrupted.
However, your TD will not be auto renewed. Upon maturity, your TD proceeds shall be automatically credited to your nominated settlement account.
In relation to section (B) of this FAQs, please note that your Robinsons Bank settlement account shall also be updated to a BPI account. Your TD proceeds shall be credited to your updated RB-to-BPI settlement account.
Please visit your new BPI branch of account AFTER the integration should you wish to renew or place a new Time Deposit account.
No. Your Robinsons Bank TD certificate will still be honored until its maturity date.
If you wish to change your Robinsons Bank TD certificate with a BPI TD certificate prior to its maturity, you will have to terminate your existing Robinsons Bank TD and open another BPI TD account to get an updated one. We encourage doing this on your TD’s next maturity date to avoid incurring charges such as Documentary Stamp Tax and termination fees.
Passbook
If your Robinsons Bank passbook account has not yet been integrated with BPI, you may continue using your existing Robinsons Bank passbook in any Robinsons Bank branch until the integration of your account to BPI is completed.
Once your Robinsons Bank account is integrated and updated with a new BPI number, your passbook account will be automatically updated to:
1) For Individuals – a BPI Savings Account with a Debit Card feature.
2) For Corporate – a Maxi-One Corporate Current Account.
and you can no longer use your Robinsons Bank passbook in any transaction.
Please note that any Robinsons Bank passbook can no longer be transacted, presented, updated, redeemed, negotiated, or honored, effective on the day of the account’s integration to BPI.
If your Robinsons Bank passbook account has not yet been integrated with BPI, you may continue to request for replacement of your Robinsons Bank passbook.
Once your Robinsons Bank passbook account is integrated with BPI with a new BPI account number, you can no longer use your Robinsons Bank passbook as this will be changed to the corresponding BPI account type (See table under FAQ on Deposit - What will happen to my Robinsons Bank account?)
Please note that any Robinsons Bank passbook can no longer be transacted, presented, updated, redeemed, negotiated, or honored, effective on the day of the account’s integration to BPI.
Your old Robinsons Bank passbook account will automatically be converted to a BPI Savings account with a debit card and your old Robinsons Bank passbook cannot be retained and can no longer be transacted, presented, updated, redeemed, negotiated, or honored.
However, you have the option to close your converted BPI account and open a new BPI passbook account with a minimum maintaining balance of P25,000 in your BPI branch of account or any BPI branch nationwide.
Manager’s Check
While waiting for your Robinsons Bank branch of account's integration to BPI, you may still purchase a Manager's Check in your branch of account or any Robinsons Bank branch that has not yet been integrated as a BPI branch.
Rest assured that the Robinsons Bank Manager's Check is valid and negotiable on or before the last banking day of 2026.
After your Robinsons Bank branch of account has been integrated with BPI, you may start purchasing a BPI Manager's Check in your branch of account or any BPI branch.
Robinsons Bank Manager’s checks will still be honored for clearing and encashment until the last banking day of year 2026 only.
You or your payee must surrender the Robinsons Bank Manager’s Check to enable you to request for a BPI Manager's Check replacement, free of charge, at any BPI branch.
Online Banking
If you have a Robinsons Bank account that has not yet been integrated with BPI and you are enrolled in Rbank Digital Online Banking, you can continue to enjoy the convenience of transacting through your RBank Digital Online Banking access.
Once your Robinsons Bank account is integrated with BPI with a new BPI account number, please note the following changes:
· If you are not an existing BPI account holder, please enroll in BPI Online using your new account number starting on the effective date that is indicated in the notification that will be sent to you regarding the integration of your account. Simply download the BPI app and you will be guided throughout the enrollment process. You may also refer to this page for instructions: https://www.bpi.com.ph/personal/bank/digital-banking/mobile/guide.
· If you are an existing BPI account holder and are currently enrolled in BPI online, depending on the type of account, your new account number will be automatically added under My Accounts when you log in to BPI online or BPI app.
Since your account has been updated, you can no longer view your old account number and transaction history in RBank Digital. But if you have other accounts that are awaiting integration with BPI, you may continue to access your RB Digital online account for the other Robinsons Bank accounts.
If your Robinsons Bank account has not yet been integrated with BPI and you are enrolled in Rbank Digital Online Banking, you can continue to enjoy the convenience of paying your bills to your currently enrolled billers via your RBank Digital Online Banking access.
After your Robinsons Bank account’s integration to BPI is completed, you will need to enroll your billers in your new BPI Online banking access.
If your Robinsons Bank account has not yet been integrated with BPI, you can continue to enjoy the convenience of the scheduled funds transfer feature.
After your Robinsons Bank account’s integration to BPI is completed, you will need to set-up your scheduled fund transfers in your new BPI Online banking access.
Your accounts in Robinsons Bank will remain to be separate from your BPI accounts while the integration of your Robinsons Bank accounts into BPI is not yet completed. Thus, you will be able to view your Robinsons Bank accounts in your RBank Digital Online Banking only and your BPI accounts in your BPI Online Banking only.
However, once your Robinsons Bank account is integrated with BPI, your new BPI account number will be automatically added under My Accounts when you log in to your BPI online or BPI app.
Housing Loans / Auto Loans / Motorcycle Loans
Your housing loan / auto loan / motorcycle loan with Robinsons Bank remains unaffected while we go through our integration activities after the merger.
When your housing loan account / auto loan / motorcycle loan is integrated with BPI, your loan account number will be updated with a new BPI loan account number. Your interest, amortization schedule and other details for your loan account will remain the same. You will receive a notification regarding these changes before the integration of your loan account takes effect.
If your Robinsons Bank housing loan / auto loan / motorcycle loan account has not yet been integrated with BPI, you can continue paying through any Robinsons Bank branch and online channels.
If you are using your Robinsons Bank deposit account as settlement account (SETA) for your Robinsons Bank housing loan / auto loan / motorcycle loan payments via auto-debit arrangement (ADA):
- Your housing loan / auto loan / motorcycle loan account will be updated with a new BPI loan account number on the same effective date as your new BPI account number.
- Your payments will start to be debited from your new BPI SETA.
If your housing loan / auto loan / motorcycle loan is not enrolled in ADA and your loan payments are done through Robinsons Bank branches and other channels, you will receive a notification on the effective date of your housing loan’s integration with BPI so that you can start transacting with BPI branches or other BPI channels for your payments.
You will be notified and updated on changes regarding your housing loan prior to integration with BPI.
- Housing Loan - For now, the interest rates and payment terms of your existing loans will remain the same unless your loan is subject to repricing. You will be notified of any upcoming repricing dates in advance.
- Auto Loan / Motorcycle Loan – At this time, there will be no change to the interest rates of your existing auto loan account with Robinsons Bank. You will be notified of any change upon integration of your auto loan / motorcycle loan account with BPI.
There is no need to fill-out or sign loan documents. The loan documents that you signed with Robinsons Bank will be recognized and honored by BPI.
InstaPay and Pesonet
There would be no changes in the fees, current Instapay and Pesonet fees for transfers from Robinsons Bank to BPI and from BPI to Robinsons Bank would still apply.
Please continue to use “Robinsons Bank Corporation” as the beneficiary bank/institution for any incoming transfers to any Robinsons Bank accounts.
However, once your account is integrated with BPI, the sender should already use updated fund transfer details such as “BPI” as the beneficiary bank/institution and your new BPI account number.
Once your Robinsons Bank account is updated to a BPI account, you will need to specify your new BPI account number to send or receive fund transfers via InstaPay, PesoNet, telegraphic remittance, Real-Time Gross Settlement (RTGS), or Gross Settlement Real Time (GSRT).
Personal Loan
Yes, you may apply for a BPI Personal Loan at any Robinsons Bank branch that has not yet been integrated with BPI, or any BPI branch. We have BPI Personal Loan available, and you may find more information about this product at https://www.bpi.com.ph/personal/loans/personal-loan/.
Please visit the BPI official website https://www.bpi.com.ph/personal/loans/personal-loan for our BPI Personal Loan product information, application process, and requirements.
All Robinsons Bank Go! Personal Loan accounts will be integrated with BPI.
- Your loan account number will change.
- The existing terms in your Robinsons Bank Go! Personal Loan Promissory Note and Disclosure Statement will remain valid, with no changes to the loan term, interest rate, monthly amortization, or due date.
- Your mode of payment will remain to be via auto-debit arrangement (ADA) using your updated BPI deposit account.
You will receive an advisory prior to these changes.
To know your updated BPI Personal loan account number, you may refer to the following:
- Official email or direct mail sent to you by BPI.
- Access the Loans tab in your BPI Online or BPI app.
- Or you may also contact our 24-hour BPI Contact Center at (+632) 889-10000 for International and Domestic Long-Distance calls, (+632) 1-800-188-89-100 for our Domestic Toll-free Number (PLDT), or at our International Toll-free Numbers available in the BPI website.
For other questions and concerns, you may also refer to the BPI PL FAQs via https://www.bpi.com.ph/personal/loans/existing-customers-faqs.
Your loan payments to your updated BPI Personal Loan account number under Automatic Debit Arrangement (ADA) will be automatically debited from your updated deposit settlement account number (SETA). Kindly refer to the separate advisory sent to you regarding the effective date on the change in your SETA.
To fully enjoy a hassle-free repayment feature, you must sufficiently fund your BPI deposit account before your monthly due date. The same monthly due date will be observed.
- Please note that any unpaid amount will be charged a late payment penalty fee of 5%. As an example, if your monthly installment is Php 1,000, you will be charged Php 50. Hence, the total due becomes Php 1,050.
- To settle any missed payments, simply fund your BPI account with the repayment amount you missed, plus the 5% late payment fee. BPI will automatically deduct the payment from your account the following day.
No. Your loan payments for your updated BPI Personal Loan account number can only be done via ADA from your new BPI deposit account.
Please keep your BPI deposit account funded to ensure that payments to your loan account is updated.
If your Go! Personal loan account has not yet been integrated with BPI; you may pay off your loan via any Robinsons Bank branch that has not yet been integrated with BPI.
Once your loan account has been integrated with BPI, early loan payoffs can be done via any BPI branch. To know your pay-off amount, please check your BPI Personal Loan Account via BPI Online or BPI Mobile app.
InstaBale Loan
All Robinsons Bank Instabale loan accounts will be integrated with BPI Salary On-Demand (SOD) loan accounts.
- Your loan account number will change.
- The existing terms – interest rates, loan tenor and monthly amortization – will remain the same until the loan is fully paid.
- Your mode of payment will be changed to an auto-debit arrangement (ADA) using your BPI payroll deposit account.
You will receive an advisory prior to these changes.
InstaBale will no longer be available after your Robinsons Bank payroll deposit account has been integrated with BPI. You will be informed if you are eligible for a similar facility in BPI. Please ensure that your InstaBale is fully paid for an opportunity to qualify.
To know your updated BPI Salary On-Demand loan account number, you may refer to the following:
- Official email or direct mail sent to you by BPI.
- Access the Loans tab in your BPI Online or BPI app.
- Or you may also contact our 24-hour BPI Contact Center at (+632) 889-10000 for International and Domestic Long-Distance calls, (+632) 1-800-188-89-100 for our Domestic Toll-free Number (PLDT), or at our International Toll-free Numbers available in the BPI website.
Your payments for unpaid Instabale availments after your Robinsos Bank payroll deposit account has been integrated with BPI can only be done via any BPI branch. Please use the following details when paying:
- Transaction: BILLS PAYMENT
- Account: PERSONAL LOAN
- Reference Number: LOAN ACCOUNT NUMBER
Salary Loan
Salary Loan Accredited Partner Companies
The existing Terms and Conditions stated in your Robinsons Bank Salary Loan MOA will be retained and remain in effect until the stated expiry date in the MOA.
Upon renewal of your Salary Loan Facility this year (2025), the BPI Salary Loan Terms & Conditions, and process will be applied. Otherwise, you will be advised accordingly of any changes.
Until the outstanding Go! Salary loans of your employee-borrowers have been integrated with BPI; the amortizations shall remain to be via salary deduction. Your monthly remittance of consolidated payments should continue to be made only through Robinsons Bank branches that have not yet been integrated with BPI.
Once your employee-borrowers’ Go! Salary loan has been integrated with BPI, their amortizations will be deducted from their BPI payroll/deposit account via auto-debit arrangement (ADA). You and your employee-borrowers will receive separate advisories regarding the details and effective date of the ADA arrangement. You may also reach out to your Salary Loan Channel Manager for any questions regarding this.
Yes, you will still be able to access your Go! Salary Loan HR Portal using your current password and login credentials.
Go! Salary Loan Borrowers
All Robinsons Bank Go! Salary Loan accounts will be integrated with BPI.
- Your loan account number will change.
- The existing terms – interest rates, loan tenor and monthly amortization – will remain the same until the loan is fully paid.
- Your mode of payment will be changed to an auto-debit arrangement (ADA) using your BPI payroll/deposit account.
You will receive an advisory prior to these changes.
No. While your Go! Salary Loan has not yet been integrated with BPI; your loan proceeds can only be released via:
- Credit to existing Robinsons Bank Accounts that have not yet been integrated with BPI; or
- Robinsons Bank Manager's check.
Once your Go! Salary Loan has been integrated with BPI, loan proceeds of your new availment shall be credited to your BPI payroll account or nominated BPI deposit account.
You will be asked to sign an Automatic Debit Arrangement (ADA) Consent Form to nominate a BPI deposit account as your SETA for your monthly amortization payments --
- If your Robinsons Bank payroll or deposit account has already been integrated with BPI, this will be your SETA.
- If you do not have a Robinsons Bank deposit account but have an existing BPI deposit account, you may nominate this account as your SETA.
- If you do not have a Robinsons Bank deposit account or BPI deposit account, you will be asked to open a BPI deposit account at any BPI branch for your SETA.
The ADA Consent Form, that you will be asked to sign, will allow BPI to automatically deduct your monthly amortization/s and penalties (if any) from your BPI deposit settlement account (SETA).
Our Salary Loan Channel Manager/s will coordinate with your company HR/Finance department to facilitate the signing of ADA Consent Forms of its employee-borrowers.
If your Go! Salary loan account has not yet been integrated with BPI, you may pay off your loan via any Robinsons Bank branch that has not yet been integrated with BPI.
Once your loan account has been integrated with BPI, early loan payoffs can be done via any BPI branch.
Yes. The application will be subject to BPI’s loan approval process.
Credit Card
No, Robinsons Credit Cards have been migrated to BPI. The new credit card products available are BPI DOS and Robinsons Cashback Cards.
Yes, you may visit any BPI branch to apply.
No, to apply for a BPI Credit Card, you may continue to visit a BPI branch or the website at www.bpi.com.ph/personal/cards/credit-cards.
Yes, you may apply for a new BPI Credit Card, subject to approval, at any of our BPI branches. Requirements are as follows:
1) Signed BPI application form;
2) Proof of income; and
3) One (1) valid photo and signature bearing government ID.
You may also apply online at www.bpi.com.ph/creditcards.
Yes, you may continue to use your Robinsons Bank Credit Card. Should there be any change in your credit card, an advisory will be issued.
For all changes in your Robinsons Bank Credit Card, a separate advisory will be sent to you.
Particularly for Robinsons DOS and Cashback cards, they will be converted to a BPI DOS and Robinsons Cashback (powered by BPI) Card. Now being part of the BPI product suite, you will enjoy new features and benefits like other BPI credit cards.
You will receive further communication from us to tell you more about these exciting changes. Please verify your mobile number, email address, and billing address and update them now, if necessary. Contact us at (+632) 889-10000, dial 2 for 'Credit Card', select 4 for assistance. No other action is required from you with regard to this conversion.
You will receive an email and SMS notification once your new BPI DOS Card or Robinsons Cashback Card is available for delivery.
In the meantime, you may continue to use your existing credit card.
No. Your new BPI Card is being replaced for free.
Your balance will not be affected.
Your new BPI card will have the same card number, security code/CVC, and an extended expiry date by 5 years. As an example, if your card is expiring 2025, your new BPI card’s expiry will be 2030. However, if your card has an expiry of 2029, all your card details will be the same – card number, security code/CVC, and expiry date.
As for your statement date and payment due dates, there will be no changes.
The immediate change in the Terms and Conditions is the update from Robinsons Bank to BPI. We will inform you of further changes regarding the alignment with BPI’s Terms and Conditions.
In the meantime, the existing Terms and Conditions are still in effect until further notice.
Your accumulated points will remain intact and viewable on your monthly eSOA.
Earning mechanics remain unchanged. Your earned rebates will continue to reflect on your monthly eSOA.
Your Supplementary card/s will also be replaced following the changes to your principal card.
Yes, as long as your account is active and current, your card will be automatically renewed with a BPI card.
Your Supplementary card/s will also be replaced following the changes to your principal card.
If there is any change in the card details of your BPI DOS and Robinsons Cashback Card, please update your card information in your enrollments to your various shopping, ride-hailing, streaming, and other app subscriptions (such as Netflix, Spotify, Lazada, Grab etc.) to ensure that they remain uninterrupted. It is highly recommended that this be done immediately after receipt and activation of your new BPI card.
Yes, new promos will be communicated via SMS, email, eSOA and in the website. We encourage you to download the Oh My Deals! by BPI Cards app for exclusive deals.
This feature is not yet available. In the meantime, you may continue to avail of GoLighter for various services at 0% interest with a one-time processing fee. We will inform you as soon as this feature is available.
You may still access the RBank Digital mobile app to monitor your account, balance, and transactions.
Report the incident immediately by calling our 24-hour BPI Contact Center at (+632) 889-10000, once connected, select 2 for 'Credit Card', then select 4. You will be issued either a BPI DOS or Robinsons Cashback Card as applicable.
To request for a replacement, call our 24-hour BPI Contact Center at (+632) 889-10000, once connected, select 2 for 'Credit Card', then select 4. You will be issued either a BPI DOS or Robinsons Cashback Card as applicable.
As we are still in the process of integration, kindly address your concerns regarding your Robinsons Bank Credit Card via BPI Contact Center by calling (+632) 889-10000 or visiting a Robinsons Bank branch that has not yet been integrated with BPI.
As we are still in the process of integration, kindly address your concerns regarding your BPI Credit Card via BPI Contact Center by calling (+632) 889-10000 or visiting a BPI branch.
As we are still in the process of integration, please continue to pay your BPI Credit Card via BPI’s payment channels, specifically:
- BPI Mobile App / Online Banking
- BPI branches
- ECPay Merchant Partners (such as 7-Eleven, Shopwise, etc)
- SM Bills Payment Counters
- Bayad Center
- Cebuana Lhuillier
As we are still in the process of integration, please continue to pay your Robinsons Bank Credit Card via Robinsons Bank’s payment channels, specifically:
- Robinsons Bank branches except for branches that have been integrated with BPI
- BDO Branches
- Bancnet Online
- ECPay Merchant Partners (such as 7-Eleven, Shopwise, etc)
- SM Bills Payment Counters
As we are still in the process of integration, payments should be made thru existing Robinsons Bank’s Payment Channels.
We are working to enable this service soon. For now, you cannot use your Robinsons Bank Credit Card as a source of funds to pay bills in the BPI App.
We will inform you if there will be changes on the available payment channels.
Your Auto-Debit Arrangement (ADA) will continue to be supported once the integration of your Robinsons Bank deposit account into BPI is completed. No actions are required from your end, and you will continue to enjoy the auto debit arrangement when your Robinsons Bank Account has been migrated to BPI.
To continue enjoying the features of your card, you need to activate it. There are two ways to activate your new BPI Card: via SMS and email.
SMS: Text BPIACTIVATE<space>First Name/Last Name/Last 4-digits of the credit card number and send it to 22565009.
Email: Using the subject line, send BPIACTIVATE<space>First Name/Last Name/Last 4-digits of the credit card number to C3_quickassist@robinsonsbank.com.ph.
Note that upon activation of your new BPI card, your old Robinsons Bank card will be automatically deactivated.
You may call our 24-hour BPI Contact Center at (+632) 889-10000, select 2 for 'Credit Card', then select 4.
Corporate Credit Cards
Robinsons Corporate Card Client
Due to the merger between Robinsons Bank and BPI, all existing Robinsons Corporate Cards will be transitioned to BPI Corporate Cards to provide you with consistent and enhanced banking services.
Merger activities have been completed for Corporate Credit Cards. If you have concerns, please contact your corporate relationship manager.
If you are interested in availing a BPI Corporate Credit Card, you may visit any BPI Branch or contact your relationship manager for assistance in your application.
Business Banking
Existing Business Term Loans in Robinsons Bank
If your existing business term loan will mature by October 1, 2024, and beyond, your loan account with Robinsons Bank will become a BPI Ka-Negosyo SME Loan account.
To transition your term loan account to a BPI Ka-Negosyo SME Loan account, kindly nominate a BPI deposit account to use as a settlement account (SETA) for your loan payments or open a BPI deposit account at any BPI branch nearest to you by March 31, 2024.
Our BPI Business Banking Contact Center is available to help you in transitioning your account to BPI. You may reach out to email bbclientservices@bpi.com.ph or (02) 7918-2000, press #2 for business loans.
There is no need to fill-out or sign loan documents. The loan documents that you signed with Robinsons Bank will be recognized and honored by BPI.
Your existing business term loan with Robinsons Bank will not become a Ka-Negosyo SME Loan. Kindly settle all outstanding balances with Robinsons Bank on or before your loan maturity.
Once your term loan is changed to a BPI Ka-Negosyo SME Loan, your loan and settlement accounts will become BPI accounts. Your loan payments will be made via automatic debit arrangement (ADA) using your enrolled BPI settlement account (SETA). Your loan amount, amortization schedule, interest rate and tenor will remain the same.
Amortization schedules for your existing business loan account will not change.
Once your account becomes a BPI Ka-Negosyo SME Loan, your loan payments will be made via automatic debit arrangement (ADA) using your enrolled BPI settlement account (SETA). Please keep your enrolled SETA funded to ensure that payments to your loan account is updated.
For now, there will be no change to the interest rate of your existing business loan account. You will be duly notified prior to any change.
We encourage you to open or nominate a BPI deposit account as settlement account (SETA) to continue enjoying seamless transactions, and the benefits of your existing business loan.
Should you be unable to open or nominate a BPI SETA, your existing loan will not become a BPI Ka-Negosyo SME Loan. Kindly please settle all outstanding balance of your loan with Robinsons Bank on or before September 30, 2024. Should you have any concerns or questions, our BPI Business Banking Contact Center is available to help you. You may reach out to email bbclientservices@bpi.com.ph or (02) 7918-2000, press #2 for business loans.
You may apply for a new BPI Ka-Negosyo SME loan online through www.bpi.com.ph/sme-banking, or by getting in touch with our Business Banking Client Services at bbclientservices@bpi.com.ph or (02) 7918-2000, select #2 for business loans.
To learn more about the BPI Ka-Negosyo SME Loan, you may visit https://www.bpi.com.ph/sme-banking/loans/sme-term-loan
If your term loan has not yet been integrated with BPI, you may continue to reach out to your Robinsons Bank handling Account Officer.
Once your term loan has been updated to a BPI Ka-Negosyo SME Loan, you may get in touch with our Business Banking Client Services at bbclientservices@bpi.com.ph or (02) 7918-2000, select #2 for business loans.
If your business term loan account with Robinsons Bank is secured by a deposit hold-out, our BPI Business Banking Contact Center is available to help you in transitioning your account to BPI. You may reach out to email bbclientservices@bpi.com.ph or (02) 7918-2000, press #2 for business loans.
If your collateral is real estate, improvements such as buildings require fire and earthquake insurance coverage based on the Bank's full appraised value.
Existing Credit Lines in Robinsons Bank
Your credit line account will be changed to a BPI Ka-Negosyo Credit Line account, subject to evaluation of BPI.
Our dedicated BPI Business Banking Contact Center is available to assist you in transitioning your account to BPI. You may reach out to email bbclientservices@bpi.com.ph or (02) 7918-2000, press #2 for business loans.
The terms of your new credit line will depend on the approval of your new BPI Ka-Negosyo Credit Line application.
Once your credit line account is approved as a BPI Ka-Negosyo Credit Line account, your credit line and settlement accounts will become BPI accounts. The following loan details will change:
- Loan amount*
- Interest Rate*
- Modes of Line Availment: You can draw from your BPI Ka-Negosyo Credit Line via check issuance, BPI Mobile app, BPI BizLink, BPI debit card, or ATM withdrawal anytime you need access to your line
- Modes of Repayment: Interest dues are payable on every 5th day of the month, and principal dues are payable anytime during the validity period. Options for repayment include automatic debit arrangement (ADA).
BPI Ka-Negosyo Credit Line is renewable every year.
*Your new loan amount and interest rate with BPI Ka-Negosyo Credit Line is subject to the evaluation of BPI.
Your existing credit line will not become a BPI Ka-Negosyo Credit Line. Kindly please settle all outstanding balance with Robinsons Bank on or before expiration of your credit line.
You may continue to use and benefit from your existing credit line while your application for a BPI Ka-Negosyo Credit Line is in process.
In transitioning your credit line to a BPI Ka-Negosyo Credit Line, you will be asked to submit a new BPI loan application, which will be subject to evaluation of the Bank. Your credit line's loan amount and interest rate may change and will be subject to the Bank's evaluation and approval.
You may continue to settle all outstanding balance with Robinsons Bank while your credit line's approval as a BPI Ka-Negosyo Credit Line is still in process.
To learn more about the BPI Ka-Negosyo Credit Line, you may visit https://www.bpi.com.ph/sme-banking/loans/sme-credit-line
If your credit line has not yet been transitioned to a BPI Ka Negosyo Credit Line, you may continue to reach out your Robinsons Bank handling Account Officer for any concerns and inquiries.
For any concerns on your application for a BPI Ka Negosyo Credit Line and after set up of the line, you may get in touch with our Business Banking Client Services at bbclientservices@bpi.com.ph or (02) 7918-2000, select #2 for business loans.
Institutional Banking / Corporate Customers
General Questions
While your Robinsons Bank deposit accounts and availed products and services have not yet been integrated with BPI, there will be no changes. You may continue to access and transact using the same.
Once your Robinsons Bank deposit accounts are integrated with BPI, these will be updated to the corresponding BPI products, services, and facilities, if available. You will be advised regarding changes prior to the integration of your accounts, via email, SMS, snail mail, or by your BPI Relationship Manager.
Please refer to the Robinsons Bank products, services and facilities for corporate and business entities with their corresponding BPI products, services and facilities.
| Robinsons Bank
Product/ Service/ Facility |
BPI
Product/ Service/ Facility |
|---|---|
| Credit Facilities | Credit Facilities |
Cash Management
|
Cash Management
|
| Trade Finance
Credit Products – Documentary Credit
Non-Credit Products – Documentary Collection and Remittance Products
|
Trade Finance
Credit Products – Documentary Credit
Non-Credit Products – Documentary Collection and Remittance Products
|
| Supply Chain Finance (digital) | Supply Chain Finance (manual) |
Merchant Acquiring
|
Merchant Acquiring
Merchant acquiring services will be offered through BPI’s joint venture partner, Global Payments. |
Remittance
|
Remittance
|
You can only transact using your Robinsons Bank deposit account until the last business day prior to your account’s effective date of integration with BPI.
Yes, please continue to transact in any Robinsons Bank (RB) branch for Robinsons Bank deposit accounts that have not yet been integrated with BPI.
Starting on the effective date of your new BPI account, you can only transact at any BPI branch.
Supply Chain Finance
No, your settlement account will be automatically updated with your new BPI settlement account number starting on the effective date of your new BPI account.
Yes, same day crediting in BPI will be until 3:30PM only. All transactions after the cut-off time will be credited on the next banking day.
Corporate & Business Online Banking
BPI BizLink is the counterpart of Robinsons Bank E2Banking or RBiz. BPI BizLink is an online banking platform that allows corporate and business entities to manage cash flow better and improve collection efficiency, payment handling, and liquidity management.
Prior the effective date of the integration of your account with BPI, you will receive a notification containing your BPI Bizlink login credentials and instructions on how to access BPI BizLink.
No, you may only use your Robinsons Bank deposit account in E2Banking or RBiz until the last banking day prior to the effective date of your new BPI account number.
Once your new BPI account number takes effect, you may only use BPI BizLink. You will receive a separate advisory informing you of your BPI BizLink login details.
Yes, you will be notified on the BPI Bizlink training schedules prior to the integration of your account. You will also receive access to training materials and tutorial videos to support your transition to BPI BizLink.
Collections
Bills Payment Suite
BPI Bills Collection is a service that enables you as a Biller to receive payments from your customers via various BPI payment channels.
- BPI Online and Mobile for BPI retail clients
- BPI BizLink for BPI corporate and business clients
- Branch for over the counter (OTC) transactions
No, your settlement account for BPI Bills Collection will be automatically updated with your new BPI account number.
Your Biller’s Reference Number will remain the same in BPI Bills Collection.
Deposit Pickup (DPU) Arrangement
No, your settlement account for your DPU arrangement will be automatically updated with your new BPI account number.
BPI’s DPU arrangement provides options for same day crediting or next banking day crediting, subject to cut-off times.
Yes, you will be notified on the DPU walkthrough schedules prior to the integration of your account.
You can check your posted DPU transactions via your Statement of Account (SOA) in BPI BizLink.
RCollect Service
Your payments will be facilitated through the Partner Agent and shall be credited to your new BPI account starting on the effective date of your new BPI account.
Your RCollect records with the Partner Agent will be updated with your new BPI account. After your account integration date, proceeds will be automatically credited to your new BPI account.
Disbursements
Payroll
No, once integration with BPI BizLink is complete, you can only use the BPI BizLink platform to process your payroll services.
For employees with new BPI account numbers, use BPI Bizlink’s “Pay Employees” feature.
For employees with RB accounts, use the BPI Bizlink’s “Pay Non-BPI” feature.
BPI BizLink will reject the file submission and crediting will not proceed.
To correct, the Maker must create and separate the files of employee salary accounts according to:
- BPI account numbers, and process using “Pay Employees”
- RBank account numbers, and process using “Pay Non-BPI”
Yes. As part of the payroll account opening requirements, your employees must fill-out and submit BPI payroll account opening forms and other related forms, including signature cards, prior to the effective date of the integration of their new BPI accounts. This is to ensure the accuracy and completeness of the employees’ records with BPI.
Employees may also be required to submit additional supporting documents to update other personal information (e.g., change of name, marital status, citizenship, address, or contact details).
Your employees will be notified regarding the changes to their Robinsons Bank deposit account and the effective date of the change.
If your employees’ accounts are used as payroll accounts under your BPI payroll arrangement, your assigned BPI Relationship Manager will provide your HR representative a file of your employees’ new BPI payroll account numbers
Your HR representative may also reach out to your assigned Relationship Manager indicated in our notifications sent to you.
No, with the integration of Robinsons Bank accounts with BPI, all Robinsons Bank account numbers will be updated with new BPI account numbers.
No, BPI accounts cannot be viewed or accessed in RB Digital Online. Your employees can view their new BPI payroll accounts via BPI Online or BPI app. Instructions on how to access BPI Online or BPI app have been included in the notification to your respective employees.
Yes, your employees whose Robinsons Bank payroll accounts that will be integrated with BPI, shall be issued new BPI Debit cards.
For Companies with employees using the Robinsons Bank Payroll Cash Card (PYCRD) as payroll account
PYCRD will be discontinued.
All employees who are using their PYRCD accounts as payroll accounts may opt to do the following:
i. Visit any Robinsons Bank branch that has not yet been integrated with BPI to upgrade to a Robinsons Bank Payroll Salary Savings Account (SALSA)
- Note that All SALSA accounts will be automatically integrated with BPI as BPI Payroll Savings Accounts.
OR
ii. Open a BPI account directly at any BPI branch.
Please advise your employees to inform you of their new SALSA account or new BPI account.
You may also reach out to your BPI Relationship Manager for assistance.
All SALSA accounts will be automatically integrated with BPI as BPI Payroll Savings Accounts.
Check Writer Plus
Yes, you may continue to request for the printing of your Corporate Checks and/or Manager’s Checks through your access in RB E2Banking portal until the last banking day prior to the integration of your Robinsons Bank account with BPI.
Your existing check-releasing arrangement with a Robinsons Bank branch will remain while awaiting its integration with BPI.
Once the Robinsons Bank branch is integrated with BPI, your Robinsons Bank check-releasing arrangement will be transferred to the nearest BPI Check Releasing office, in-charge of the check procedures for your payees.
Once your Robinsons Bank checking account is integrated with BPI, your Robinsons Bank check stocks can no longer be used. BPI check stocks with your updated BPI checking account number will be used in printing your Corporate Checks and/or Manager’s Checks.
Once your Robinsons Bank checking account is integrated with BPI with a new BPI account number, your Robinsons Bank checks with the old Robinsons Bank account number will continue to be honored for clearing and encashment until the last banking day of year 2026 only (subject to the check date validity period (e.g., 6 months for Corporate Checks).
Your checks issued with the old Robinsons Bank account number, with issue date on or before the last banking day of year 2026 and presented for clearing and encashment until the last banking day of year 2026, do not have to be replaced.
Supplier Payment
No, you should start using the BPI BizLink platform to process your supplier payment transactions once your integration with BPI BizLink is completed.
To credit payment to payees with BPI accounts, access BPI BizLink and process payments using "Pay BPI" feature.
For payees with Robinsons Bank accounts, access BPI Bizlink and process payments using BPI Bizlink’s "Pay Non-BPI" feature.
BPI BizLink will reject the file submission and crediting will not proceed.
To correct, the Maker must remove the entries of non-BPI accounts and process them separately:
- BPI account numbers, and process using “Pay BPI”
- RBank account numbers, and process using “Pay Non-BPI”
Yes, your supplier payees will receive advisories regarding the integration of their Robinsons Bank accounts with BPI. Once their accounts are integrated, you may use the new BPI accounts for the Pay BPI facility.
No, only BPI account numbers may be used for the Pay BPI feature. All supplier payees using Robinsons Bank account numbers will receive advisories regarding the integration of their accounts with BPI.
Biller Payments Facility
BPI Biller Payments is a disbursement solution that allows you to pay your bills by simply uploading a payment instruction through BPI BizLink.
No, your settlement account for Biller Payments will be automatically updated with your new BPI account number.
Direct2Bank (PESONet)
No, you should start using the BPI BizLink platform to process your transfer transactions once integration to BPI BizLink is completed.
Yes, you may use BPI BizLink’s "Pay Non-BPI" facility to transfer funds using your new BPI account number.
Cut-off times in BPI BizLink are 10:00AM, 1:00PM, and 3:30PM. Transactions sent after 3:30PM will be considered transactions of the following banking day.
EGOV (Government Payments)
Yes, you may use BPI BizLink’s "Government Payments" facility to pay government agencies using your new BPI account number.
BPI BizLink allows payments to BIR, SSS, PhilHealth, and Pag-IBIG.
There is no need to use BancNet. BPI BizLink is directly integrated with BIR, SSS, PhilHealth, and Pag-IBIG platforms for government payments.
There is no need to use a Transitory Account in BPI BizLink. Your new BPI account number will be used as the funding account for payments directly to government agencies.
To ensure uninterrupted payments to government agencies, you will need to transfer your funds from your Robinsons Bank Transitory Account to your Robinsons Bank deposit account prior to your integration with BPI and BPI BizLink.
You will receive a separate advisory containing instructions regarding your EGOV account.
Payroll Suite Light (using LSTV app)
No, LSTV will install a new app that will generate payroll files that BPI BizLink can accept.
Payroll Suite Expanded (using Sprout facility)
No, you will receive new instructions regarding the new facility for generating payroll files that BPI BizLink can accept.
Remittance
No. To ensure that remittances to your new BPI account number will be successful, please inform your senders of your new BPI account number.
Please use the BPI SWIFT Code, BOPIPHMM, as the receiving code for all telegraphic transfers.
Merchant Acquiring
Merchant Acquiring POS and E-Commerce solutions shall be transferred to BPI’s joint venture partner, Global Payments. Interested merchants who wish to avail this facility shall then be referred to Global Payments.
Global Payments is one of the largest worldwide providers of payment solutions with over 1.6 million merchants in more than 200 countries and territories. Global Payments and BPI formed a joint venture in 2015 to provide merchant acquiring and payment services in the Philippines.
No, your Robinsons Bank settlement account for Merchant Acquiring POS and E-Commerce solutions will be automatically updated with your new BPI account.
If you are an existing Global Payments accredited merchant, kindly coordinate directly with their merchant acquiring team for the handling of the new BPI settlement account number.
Yes, access to RAM will remain the same. Your transactions and reports will continue to be available.
No, crediting period of payments to your new BPI settlement account will remain the same which is the next banking day from the payment transaction date.
You will receive a separate communication regarding your accreditation status.
Financial Reporting
Your Robinsons Bank SWIFT MT940 arrangement will be automatically integrated with BPI under the BizLink Customized SOA, Switch MT940 facility.
BizLink Customized SOA, SWIFT MT940 facility is BPI’s platform for electronic account statements in the SWIFT MT940 format. It provides you with a record of your account transactions which can be used for reconciliation, reporting, and other financial operations.
No, there should be no disruption in the delivery of your SWIFT MT940 statements. The integration will be seamless, and you will continue to receive your account statements as usual.
No, the frequency of your SWIFT MT940 statements will remain the same.