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


All you need is one card with a single monthly payment schedule.

With Balance Transfer (Credit to Account) from BPI Credit Cards, you can consolidate all your other credit card balances and pay in fixed monthly installments for up to 36 months at a low monthly add-on rate of 0.99%.

Avail NOW. Call 889-10000 or visit any BPI branch near you.

*Terms and Conditions apply.

  • Crediting of proceeds to a BPI/BFSB account shall be four (4) banking days from transaction settlement (credited by 6pm)
  • Proceeds via Manager's Check (MC) shall be ready  for pick up in seven (7) banking days.  Please bring the BPI Credit Card you used for the SIP application & 2 valid photo IDs to claim the MC. If you can't personally claim the MC, please ask your representative to present a duly signed authorization letter from you along with photocopy of 2 of your original valid photo IDs & his/her valid photo ID.
    Note: Processing of  SIP Loan transaction and/or proceeds may take longer in cases wherein additional verification is required on the SIP Loan application and/or account details provided.


BPI Express Balance Transfer,

6 1.50% 0.181667 30.23%
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 (P.A.) 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.                                                         



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 help@bpi.com.ph 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 consumeraffairs@bsp.gov.ph.

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