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No Regulation
Score
1.55 /10
Danger
BPI
5-10 yearsSuspicious Regulatory License
Global Business
High potential risk
Influence
AA
Add brokers
Comparison
Expose
Exposure
Time Machine
Website
Score
Regulatory Index0.00
Business Index7.30
Risk Management Index0.00
Software Index4.00
License Index0.00
Time Machine
Website
Licenses
No valid regulatory information, please be aware of the risk
VPS Standard
No restriction on the broker account. Support service provided by WikiFX
Single Core
1G
40G
open now
Check whenever you want
Download App for complete information
Warning: Low score, please stay away!
2
Previous Detection :
2025-11-20
- It has been verified that this broker currently has no valid forex regulation. Please be aware of the risk!
- The current information shows that this broker does not have a trading software. Please be aware!
WikiFX Verification
Data Source 
WikiFX Data provide
WikiFX Data provideUpdated: 2025-11-20
| BPIReview Summary | |
| Founded | 1851 |
| Registered Country/Region | Philippines |
| Regulation | No regulation |
| Services | Loans, investments, insurance |
| Platform/APP | BPI app |
| Minimum Deposit | Php 1 |
| Customer Support | Live chat, contact form |
| Tel: (+632) 889-10000 | |
| Email: investorrelations@bpi.com.ph | |
| Facebook, X, Instagram, Linkedin, YouTube | |
| Address: Ayala Triangle Gardens Tower 2, Paseo de Roxas corner Makati Avenue, Makati City 1226 | |
BPI Information
BPI is an unregulated service provider of financial services, which was founded in Philippines in 1851. It offers services for loans, investments and insurance.
Pros and Cons
| Pros | Cons |
| Long operation time | Lack of regulation |
| Various financial services offered | |
| Multiple acocunt types | |
| Low minimum deposit requirement | |
| Live chat support |
Is BPI Legit?
BPI has no valid regulations currently. Please be aware of the risk!
Services
| Services | Supported |
| Loans | ✔ |
| Investments | ✔ |
| Insurance | ✔ |
Account Type
Savings Account
| Account Type | Minimum Deposit |
| Saver-Plus | Php 3,000 |
| #SaveUp | Php 1 |
| Maxi-Saver | Php 2,000,000 |
| Regular Savings | Php 3,000 |
| Pamana Savings | Php 25,000 |
| US Dollar Savings | $500 |
| #MySaveUp | Php 1 |
| Pamana Padala | Php 500 |
| Padala Moneyger | Php 0 |
Checking Account
| Account Type | Minimum Deposit |
| Regular Checking | Php 10,000 |
| Maxi One | Php 25,000 |
| BizLink Checking | Php 10,000 |
Time Deposit Account
| Account Type | Minimum Deposit |
| Auto Renew Time Deposit | Php 50,000 |
| Plan Ahead Time Deposit | Php 50,000 |
| US Dollar Time Deposit | $1,000 |
BPI Fees
Card Membership Fees
| Card Type | Principal Card | 1st Supplementary Card | 2nd to 6th Supplementary Card |
| BPI Signature Card | Php 5,500/year | Free for Life | Php 2,750/year |
| BPI Amore Platinum Cashback Card | Php 5,000/year | Php 2,500/year | |
| BPI Platinum Rewards Card | Php 4,000/year | Php 2,000/year | |
| BPI Gold Rewards Card | Php 2,250/year | Php 1,125/year | |
| BPI Amore Cashback Card | Php 2,050/year | Php 1,025/year | |
| BPI Rewards Card | Php 1,550/year | Php 775/year | |
| Petron BPI Card | |||
| BPI Edge Card | Php 110/month | Php 55/month | |
| BPI Family Credit Card | Php 1,350/year | Php 675/year | |
| BPI Corporate Card | Php 1,700/year | Not applicable | |
| BPI eCredit Card | 0 | ||
Interest Rates and Charges
| Types of Fees & Charges | Details | Fee |
| Finance Charge or Nominal Interest Rate1 (Effective Interest Rate per month 2) | A Cardholder has the option to pay the Total Amount Due, the Minimum Amount Due, or any amount in between. Finance Charges are incurred when Cardholder pays any amount less than, or does not pay on Payment Due Date, the Total Amount Due, applicable on regular purchases, billed monthly installment amortizations, fees, and interest charges, exclusive of those incurred during the current cycle. | 3% (2.73%) |
| Cash Advance Finance Charge or Nominal Interest Rate1 (Effective Interest Rate per month 2) | Incurred when the Cardholder avails a Cash Advance transaction, applicable on the cash advance transaction amount and cash advance fees, accrued from transaction posting date until full payment date. | 3% (3.16%) |
Installment-Related Fees
| Types of Fees & Charges | Details | Fee |
| Special Installment Plan (S.I.P.) Add-on Rate | Incurred upon approval of a S.I.P. Loan, applied to the total loan principal amount monthly for the loan's duration. The specific rate applied is dependent on the loan type, offer, and term availed. | Up to 1% |
| Special Installment Plan (SIP) Loan Service Fee | Incurred per approved S.I.P. Loan availment | Php 500 for each Balance Transfer, Credit to Cash, and Balance Conversion availment above Php 50,000. Php 300 for all Balance Transfer, Credit to Cash, Balance Conversion up to Php 50,000 and all other S.I.P. Loans variants, per availment |
| Special Installment Plan (S.I.P) Pre-termination Fee | Billed upon processing of a S.I.P. pre-termination request. | Php 550 pre-termination fee plus 2% of the loan principal amount if Installment is pre-terminated before the first billing.If pre-termination is done after the first billing, a processing fee of Php 550 plus applicable interest of the next monthly payment using the diminishing balance method will be charged. |
Transaction Fees
| Types of Fees & Charges | Details | Fee |
| Cash Advance Fee | Incurred per Cash Advance transaction | Php 200 flat fee per transaction |
| Foreign Transaction Service Fee | Incurred by transactions denominated in foreign currencies or originating from foreign merchants and/or acquirers | 0.85% plus the Mastercard / Visa assessment fee of 1% shall apply to the converted amount of foreign-denominated transactions, using the foreign exchange rate of Mastercard / Visa at the time the transaction is posted. The Mastercard / Visa assessment fee of 1% shall also apply to: |
| A. foreign currency transactions converted then billed in Philippine Peso at point-of-sale or; | ||
| B. transactions charged in Philippine Peso by a foreign acquirer at point-of-sale. This fee applies whether the transaction is made in/outside the Philippines or online. | ||
| Gaming Transaction Fee | Incurred by any gambling-related transaction | Php 500 or 3% of the gaming transaction, whichever is higher, shall be charged for every gaming transaction in casinos and/or online betting |
Service Fees
| Types of Fees & Charges | Details | Fee |
| Card Replacement Fee | Incurred per replacement requested for lost, stolen or damaged cards | Php 400 |
| Check Protect Fee | Incurred per check funded by the BPI Credit Card limit, for Cardholders enrolled in BPI Deposit's Check Protect service | Php 1,200 or 2% of the funded check amount by the BPI Credit Card, whichever is higher |
| Statement of Account Fee | Incurred per requested printed copy of the BPI Credit Card Statement of Account | Php 200 per statement of account |
| Account Maintenance Fee 1 | If the account is inactive/closed/cancelled with an overpayment, a monthly fee shall be billed, until the balance is zeroed out. | Php 200/month or the overpayment amount if less than Php 200, will be debited from:A) Closed credit card accounts with overpayment for more than 1 month from the date of termination / cancellation |
| B) Credit card accounts with overpayment with no activity for the past 12 months | ||
| Closed Account Maintenance Fee 2 | If the account is inactive/closed/cancelled with an overpayment, a monthly fee shall be billed, until the balance is zeroed out. | Php 50/month will be charged to terminated/ cancelled card accounts with credit balances for more than 1 month from the date of closing |
| Express Start Cancellation Fee 3 | Incurred if the first-issued BPI Credit Card enrolled under the Express Start program is cancelled before the first anniversary date, except if cancellation is due to non-delivery of such BPI Credit Card(s). | Php 1,500 |
Penalty Fees
| Types of Fees & Charges | Details | Fee |
| Late Payment Fee | Incurred if no payment is applied or payment applied to the BPI Credit Card is less than the Minimum Amount Due by the Payment Due Date | Php 850 or equivalent to the value of the unpaid minimum amount due, whichever is lower, will be charged per occurrence per card. |
| Returned Check Fee | Incurred for every dishonored check issued by the Cardholder in payment of his / her account | Php 100 for every dishonored check and additional 6% of the check amount |
In case of default, the cardholder shall pay the following in addition to penalty and charges:
| Types of Fees & Charges | Details | Fee |
| Attorney's Fee | Incurred if the Cardholder's account is referred to a lawyer or to a collection agency | 25% of the amount due |
| Liquidated Damages | Incurred if the payment of the Cardholder's account is enforced through court action | 25% of the unpaid amount, plus litigation expenses and judicial costs |
Platform/APP
| Trading Platform | Supported | Available Devices |
| BPI app | ✔ | Mobile, PC, web |
Deposit and Withdrawal
BPI accepts payments via credit/debit cards and bank wire. Neteller and skrill is said to be coming soon.
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