Special Installment Plan (S.I.P.)
Enjoy flexible and affordable installment terms at low, fixed add-on rates.



Features and Benefits

BPI Express Balance Transfer (Credit to Account) allows you to consolidate your other credit card balances with your BPI credit card.

Save on high interest charges and pay on fixed monthly installments for as low as 0.79%*.

For Balance Conversion (Reg to SIP), only new retail and online transactions worth at least P5,000 per transaction billed in the latest Statement of Account can be converted to installment.  Interest, installment, cash advance and transactions that form part of the revolving balance are not eligible.  Application must be submitted at least five (5) days prior to the due date indicated in the latest Statement of Account.

*Terms and Conditions apply.

  • Get cash as fast as the next banking day
  • Crediting of proceeds to a BPI/BFB account will be 6pm the next banking day. Crediting of proceeds may take longer in cases wherein additional verification is required on SIP Loan transaction and/or account details provided. Proceeds via Manager's Check (MC) shall be ready in three (3) banking days.


 3  1.25%  0.345833 22.36%
 6  0.89% 0.175567 18.08%
 9  0.89% 0.120011 18.83%
 12  0.79% 0.091233 17.06%
18 0.79% 0.063456 17.26%
24 0.79% 0.049567 17.26%
36 0.79% 0.035678 17.05%

*Monthly rates for 3- to 36-month terms are valid until further notice.
*Effective Interest Rate (P.A.) of 17.05% on 36-month term.



Avail NOW!
Simply visit any BPI or BPI Family Savings Bank branch nearest you with your other bank’s current billing statement.


*Terms and Conditions (Updated)*

For any concerns, you may contact Bank of the Philippine Islands at (02) 89-100 for Metro Manila; 1-800-188-89100 for domestic toll-free calls (available to PLDT subscribers); 63 + 2 + 89-10000 for mobile phone and international access; and International Toll-Free Numbers (refer to www.bpiexpressonline.com at Contact Us link for details) or email expressonline@bpi.com.ph.

Bank of the Philippine Islands is supervised by the Bangko Sentral ng Pilipinas with telephone number (02) 708-7087 and email address: consumeraffairs@bsp.gov.ph.