Pay on installment anytime, anywhere, on your chosen terms.

BPI’s Balance Conversion (Reg-to-SIP) Installment Program allows you to pay for new retail and online transactions worth at least P5,000 per transaction billed in the latest Statement of Account. 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. Adjustment on Balance conversion shall be implemented within four (4) to seven (7) banking days from transaction settlement.

Avail NOW. Call (02) 889-10055 or visit any BPI branch near you.

*Terms and Conditions apply.



BPI Balance Conversion

3 1.00% 0.343333 17.91%
6 1.00% 0.176667 20.29%
9 1.00% 0.121111 21.11%
12 1.00% 0.093333 21.46%
18 1.00% 0.065556 21.64%
24 1.00% 0.051667 21.57%
36 0.99% 0.037678 21.01%

Effective Interest Rate of 21.01% on 36-month term        

       Rates are effective November 3, 2020 until further notice                    

A service fee of P100 will be charged for each SIP Loan
Availment. This fee will be reflected in the succeeding   
statement of account.                                                             


       Sample Computation:

Loan Amount  x  Factor Rate  = Monthly Amortization

        For a loan amount of P10,000 for 36 months:

10,000  x  0.037678  = P376.78 / month


Avail NOW!
Simply call (02) 889-10055 or visit any BPI or BPI Family Savings Bank branch nearest you with your other bank’s current billing statement of account.


*Terms and Conditions (Updated)*


For inquiries and comments, please send us a message through or call our 24-hour BPI Contact Center at (+632) 889-10000.

Regulated by the Banko Sentral ng Pilipinas with email address at

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