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.

Avail NOW. Call 89-100 or visit any BPI branch near you.

*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.



BPI Balance Conversion

3 1.75% 0.350833 31.23%
6 1.50% 0.181667 30.23%
9 1.50% 0.126111 31.32%
12 1.50% 0.098333 31.72%
18 1.50% 0.070556 31.76%
24 1.50% 0.056667 31.46%
36 0.99% 0.037678 21.01%

Effective Interest Rate of 21.01% on 36-month term        

*New rates effective starting March 25, 2019                     

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 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 any concerns, you may email us at or reach us by calling our hotline numbers at:
Metro Manila: (all areas with "02" area code) 889-10000
Domestic Toll-Free No: 1-800-188-89100 (available for PLDT)
Mobile phone and International Access: +632 889-10000

Bank of the Philippine Islands is regulated by the Bangko Sentral ng Pilipinas with email address

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