BPI

-Bangko ng Kapuluang Pilipinas (Filipino)

-Banco de las Islas Filipinas
-the oldest bank in the Philippines still in operation and is the
country's third largest bank in terms of assets,
BPI
-the country's largest bank in terms of market capitalization, and
the country's most profitable bank. It is owned by the Ayala
Corporation
History
- was established on August 1, 1851 as the El Banco Espaol Filipino
de Isabel II (Spanish-Filipino Bank of Isabel II),
- named after the queen of Spain, Isabella II], the daughter of
former king, Ferdinand VII of Spain.
History
- The bank was the second Philippine bank during the Spanish era
after a bank was founded by Francisco Rodriguez, a Filipino Quaker
based in London, in 1830.
History
- The royal decree establishing the Banco Espaol-Filipino also gave
it the power to print Philippine currency, the first time the
Philippine peso was printed in the country; before 1851
Logo

Services
- Online Banking - ATM Banking
- Phone Banking - Express Deposit Machine
- Mobile Banking - Bills Payment
- Branch Banking - Foreign Exchange

Online Banking
- It's easy to take complete control over your finances through BPI
Express Online. With just a few clicks, you can experience the
convenience of being able to do banking transactions instantly
without the need to travel to or line up at a branch or payment
center.
Online Banking
View real-time balances of your Deposits, Consumer Loans, Credit
Cards, Investments and Express Cash Accounts.
Transfer funds between your own deposit accounts enrolled in BPI
Express Online and to the accounts of your family members,
relatives and friends.

Online Banking
Pay your utilities, loans, insurance, ISPs, country club fees and a
host of other bills online.
Set branch appointments for transactions such as deposit,
withdrawal and encashment online.

Online Banking
Quickly view your Prepaid Card balance without logging in to your
online account.
Reload your own or someone else's Globe Handy phone or TM
prepaid phone.

Online Banking
Apply for a deposit account, auto or housing loan, credit card or
Prepaid card account online.
Request for a Stop Payment order of issued checks real time. Re-
order checkbooks, request for copies of financial documents and
other credit card related services.
Online Banking
Request for Credit Card replacement, conversion, increase in credit
limit, reactivation and other Credit Card services. You can
also update your billing address online.

Phone Banking
- BPI Express Phone is Phone Banking made easy! It is a full-service
facility that helps you do a wide range of banking transactions and
allows you to communicate with highly skilled Phone bankers.
With BPI Express Phone, all these self-service transactions are
possible 24/7.
Phone Banking
Get real time account balances
Enroll bills in the bills payment facility
Pay bills to more than 200 merchants
Transfer funds to other BPI, BPI Family Savings Bank or BPI Direct
deposit accounts
Phone Banking
Inquire on the details of your deposit, credit card, loans and
insurance accounts
Reload prepaid credits to your mobile phones instantly
Reload own or third-party Prepaid or Gift Card/s real time
Order additional checkbook/s

Mobile Banking
- Use of mobile application to monitor your accounts and investments.
Branch Banking
- Most banks have hard and fast rules when it comes to the
way you transact. No wonder a lot of people find it
intimidating and even tiresome to visit a branch. That's why at
BPI, we've made banking so easy! You'll be amazed at the
number of things you can FINALLY do:
In other banks, important transactions (like encashing
checks, ordering checkbooks, replacing your lost ATM card
or applying for a manager's check) must be done in the
branch where you opened your account. In BPI, you can do
a wide range of transactions in any branch near you! You
have more than 600 BPI branches to choose from, so you
can save time and transportation cost.
In other banks, you'll be charged a fee when you deposit to
an account in a different region. In BPI, you can deposit to
your account from any branch all over the country without any
charges. Why pay for the service that you deserve?

Waiting for 3 days for your check to get cleared can be such a
hassle, especially if the money is for a business transaction or
a family emergency. Now, you can enjoy real-time check
clearing for BPI checks deposited in any BPI branch. It happens
instantly, it's like you deposited cash!

Banking need not be stressful and time-consuming for you,
thanks to BPI branches' computerized queuing system called
BPI Express Assist. All you have to do is go to any of the
branch's touch-screen self-service terminals, type in your
desired banking transaction, get your queue number, sit
and wait for your number to be called.

No need to write on deposit or withdrawal slips! And
because your information is already computerized for
the tellers' easy reference, transaction process is cut
short, giving you more time for things that matter.
(BEA is available in selected branches)
Simply head to a BPI 24/7 Banking Zone at selected BPI
branches anytime to pay bills, reload your prepaid mobile
phone, transfer funds, check your balance and more. These
zones have an ATM and a BPI Express Online kiosk and are
open beyond regular banking hoursincluding weekends and
holidays.
ATM Banking
Access your cash easily with BPI's 2,100 Automated Teller Machines
(ATM) strategically located nationwide. With the BPI Express Teller
ATM facility available 24 hours a day, 7 days a week, you now have
instant access to your cash for your various needs.
Inquire your Account Balance anytime, anywhere
Transfer funds to and from another enrolled Express Teller Account
Pay your bills to over 170 partner merchants, utilities and
establishments
Deposit cash to another Express teller account


Express Deposit Machine

Deposit your cash without the assistance of a branch teller! A first in the
country, the Express Deposit Machine is an online deposit facility for BPI, BPI
Family Savings Bank and BPI Direct cardholders which allows actual cash deposit
with real-time credit to account.
This machine accepts cash in P100, 500 and P1000 denominations and is
credited to your account IN AN INSTANT.
As proof of your Express Deposit transaction, you get a transaction receipt.
Bills Payment
Experience hassle-free payments through BPI 24/7 Banking - Online,
Phone, Mobile - with over 300 merchants available.
Bills payment has never been this easy.
Foreign Exchange
BPI Forex Corporation is a wholly-owned subsidiary of the Bank of
the Philippine Islands (BPI) established in response to increasing
foreign exchange demand following a liberalized foreign exchange
environment in the country. It delivers hassle - free service and offers
very attractive exchange rates for your currencies.


Only BPI Forex Corporation can give you the best deal for your
dollars and for your other foreign currencies as well. With us, you will
enjoy our very competitive buying and selling rates with the
convenience of transacting with us in any of our forex stations, and
through any BPI and BPI Family Bank branches throughout the
Philippines.
Products
Deposits
Loans
Credit Cards
ATM/Debit Cards
Prepaid and Gift Cards
Products
Asset Management
Insurance
Remittance
Pre-need
Deposit
Choose the deposit account that's right for you, whether you need to
manage your day-to-day money needs, are managing a business or
just saving up for a rainy day. Our deposit products enable you to
make the most out of your hard earned money.
Types of Deposits
Savings Account Products
Checking Account Products
Time Deposit Products

Savings Account
BPInoy Savings
BPI Direct Express Teller Savings
Save-Up Automatic Savings + Insurance
BPI Direct Maxi-Saver Savings

Loans
BPI Family Auto Loan
BPI Family Motorcycle Loan
BPI Family Housing Loan
BPI Family Ka-Negosyo Loan
BPI Personal Loan



BPI Auto Loan offerings that fit your needs
Whether youre eyeing a brand new car or a second hand unit, or
you need a multi-purpose loan with your car as collateral, BPI Family
has something for you.




Brand New: We can source it for you or we can reimburse you for the
new vehicle you recently purchased in cash. **

Second hand: We offer financing of acceptable second hand motor
vehicles where proceeds of loan are paid directly to the seller or
owner of the unit.***


Multi-purpose loan: Avail of a cash loan using your car as collateral or
you can refinance an existing loan with BPI Family Savings Bank.****

Get a FREE Petron-BPI MasterCard!*****

*Amount financed of Php40, 000 and loan term of 36 months. At least
Php20,000 gross monthly income to qualify.

Geographical Area Covered:
Applicant should be residing within GMMA area
Acceptable Units:
Brand New and limited to Honda, Kawasaki, Yamaha and Suzuki
brands
Purpose:
Personal or Business Use BUT not to be used as Public Utility Vehicle

Citizenship:
Must be a Filipino Citizen
Age:
At least 25 years old but not more than 70 years old upon maturity
Minimum Gross Monthly Income:
Php 20,000.00

Loanable Amount:
Minimum: Php 30,000.00
Maximum: Php 200,000
Down payment:
Minimum Down payment shall be 15% (based on net selling price)
Loan Tenor:
Maximum of 36 months

Mode of Repayment:
Online Debit Arrangement
Online Debit Arrangement on clients payroll account. Due a day
before payroll account
Other Conditions:
Units to be purchased from Accredited Dealers
Submission of standard loan documents required for auto loans.
BPI Family Housing Loan
Affordable
Get expert housing advice and customized loan packages matched
to your financial capability. Enjoy low rates, down payment options
as low as 20% and flexible payment terms of up to 25 years.
Plus get a FREE BPI Express Credit Gold MasterCard**






BPI Family Ka-Negosyo Loan
SHORT-TERM FINANCING
Whenever you need financing on the spot, to cover for
unplanned expenses or to bridge working capital
requirements, you may rely on your BPI Family Kanegosyo
term loan or check accessed credit line with ATM card.

LONG-TERM FINANCING
To ensure uninterrupted business operations or to drive your
expansion plans, our loans can be modified to work with your
available funds and cash flow schedule. Our long-term
financing can help you with:
Business Expansion
Franchise Financing

Purchase of Fixed Assets and Equipment
Purchase / construction / renovation of condominium unit /
residential property for lease
Purchase / construction / renovation of commercial
property
Refinancing of existing commercial loan / mortgage


FRANCHISE FINANCING
Especially designed for franchising businesses, BPI Family Ka-
Negosyo Franchising Loan offers affordable financing to enable
you to start your franchise business today.









Product Features
Loan amount
Loan purpose
Loan Term
Interest Rate




Loan Availability
Payment Method
Loan Monitoring
Fees and Charges
Processing Fee
Prepayment Fee
Late Payment Penalty
Late Payment Penalty

BPI PERSONAL LOAN
1. Where do I apply for a BPI Personal Loan?
Apply at your convenience through your nearest branch or through
internet by logging in their website at www.bpiexpressonline.com
2. What are the application requirements?
Submit a filled out application form, proof of your income and valid
identification cards.


3. How much can I borrow?
You may get as much as 3 times of your gross monthly income, with
amounts ranging from P20,000 up to P1,000,000, subject to our
approval
4. How much will be my monthly installment?
Your monthly installment will depend on your chosen amount and
term.


Loan amount 12 months 18 months 24 months 30 months 36 months
20,000 1,907 1,351 1,073 907 796
30,000 2,860 2,027 1,610 1,360 1,193
50,000 4,767 3,378 2,683 2,267 1,989
80,000 7,627 5,404 4,293 3,627 3,182
100,000 9,533 6,756 5,367 4,533 3,978
150,000 14,300 10,133 8,050 6,800 5,967
300,000 28,600 20,267 16,100 13,600 11,933
500,000 47,667 33,778 26,833 22,667 19,889
5. How do I pay for my monthly installments?
Conveniently pay your monthly installments via automatic debit from
your BPI deposit account.
6. What happens if I fail to pay my monthly installment?
Your unpaid amount will be charged a late payment penalty fee of 5%.
For example, if you missed paying your monthly installment of P1,000,
you will be charged a late payment penalty of Php50. Your total
amount due will now be P1,050 if paid within the same month.

7. Can I pay my loan in advance?
You may prepay your loan anytime without any pre-termination
penalty and fees.
8. Is there an application fee?
A minimal one-time processing fee of P1,500 will be deducted from
your loan proceeds once you avail the loan.

9. I currently dont have a BPI account, can I apply for the
personal loan?
Yes, you can apply for the loan. Once approved, you will then
be prompted to open a BPI deposit account where we will
credit your loan proceeds.