A. What is BPI ePay Mastercard?
BPI ePay Mastercard is a reloadable and withdrawable Prepaid card that can be used to pay for purchases made online and in stores worldwide.
B. What can I do with my BPI ePay Mastercard?
BPI ePay Mastercard is an EMV-enabled prepaid card so you can secure your stored money and spend it safely. You can withdraw cash anytime from BPI ATMs nationwide, make purchases online and in stores worldwide wherever Mastercard is accepted with your card.
C. What are the applicable fees and charges of BPI ePay Mastercard?
The following are the transactions and the corresponding fees of BPI ePay Mastercard:
|BPI ePay Mastercard Fees and Charges
|Card Usage Abroad
||2% of transaction amount
|Monthly Maintenance Fee
||Php 100 (computed starting on the 121st day after card expiry date)
||Php 99 for 3rd and 4th year
D. How do I make purchases in stores?
You may use your card to conveniently shop in Mastercard affiliated establishments here and abroad in these easy steps:
1. Present your BPI ePay Mastercard card to the cashier
2. Affix signature in the sales slip for validation (signature verification) of transaction. However, if the cashier asks for the PIN, input the PIN you use for withdrawal transactions.
E. How do I make purchases online?
Transacting online is easy with your BPI ePay Mastercard. Select Mastercard Credit Card as mode of payment and follow the steps below
1. Input your Prepaid Card details
- 16-digit BPI ePay Mastercard number
- CVC 2/ Card Verification Value 2 (the last 3 digits found at the signature panel of your card)
- Card Validity period
2. Confirm your transaction via OTP. Make sure your contact details are updated to receive the OTP for your online transactions.
F. Where can I withdraw?
In case you need cash, you can conveniently withdraw your funds at any BPI ATMs nationwide.
G. When will my card expire?
Your BPI ePay Mastercard card will expire four (4) years from the date of purchase. The card is valid until the date (mm/yy) printed on the card below the text "Valid Thru".
H. Does the card have a required maintaining balance?
Your BPI ePay Mastercard is a Prepaid Card and not a deposit account, there is no maintaining balance required.
I. If there is money left in my card, will it earn interest?
Your BPI ePay Mastercard is a Prepaid Card and not a deposit account, your funds will not earn interest.
J. Is this a credit card?
BPI ePay Mastercard has similar features and benefits as credit cards, but it is not a credit card. BPI ePay Mastercard is a reloadable Prepaid Card therefore you must load the card with money before you can use it to make purchases.
K. How do I check my card balance?
You may check your card balance real-time through BPI Online:
1. Visit https://online.bpi.com.ph, click on the Inquire prepaid card balance link in the Homepage.
2. Enter your 16-digit BPI ePay Mastercard number and press Submit.
L. Do you issue monthly statements?
We do not issue monthly statements. However, if your BPI ePay Mastercard is enrolled to your BPI Online Banking, you can view up to the last five (5) card transactions in your BPI Online account by following these steps:
1. Log-in to https://online.bpi.com.ph
2. Click the My Portfolio tab
3. Click the Details button on the right most portion, beside your BPI ePay Mastercard
M. How do I enroll my card in BPI Online?
Enrollment in BPI Online is only available to BPI Deposits Account Holders. To enroll your card, visit any BPI Branch and request for prepaid card linking into your Deposit Account. Fill-out the form, affix your signature, and enjoy viewing your balance and last five (5) transactions in your BPI Online Account.
N. How do I transfer funds to my card?
To transfer funds via BPI Online or BPI Mobile App, follow the steps below:
1. Log-in to BPI Online or BPI Mobile App
Under the Transfer > Select Load Prepaid Card Tab
2. Choose the Source
3. Input the Amount to be Loaded > Select Load to 3rd Party Prepaid Card > Input 16-digit Prepaid Card Number
4. Confirm and input the One-Time PIN that will be sent to your registered mobile number
O. Card Application
I. How do I apply for a BPI ePay Mastercard?
You can get a BPI ePay Mastercard by applying through www.prepaid.bpicards.com or any BPI Branch.
II. Can I apply for a card for someone else?
Yes, as long as card owner personally picks up the card at the BPI Branch together with a valid photo ID.
Information in the Application Form should be the details of the card owner.
III. What do I need to apply for a card?
To apply for a prepaid card online, follow the steps below:
1. Fill-out the online Application Form and a confirmation e-mail will be received upon completion.
2. Pick up card at your nominated branch once you receive an SMS informing you that your card is already available.
3. Present 1 valid photo ID and pay the card fee of your BPI ePay Mastercard.
To apply for a prepaid card in a BPI Branch, follow the steps below:
1. Fill out the physical Application Form completely and affix your signature.
2. Present 1 valid photo ID and pay the card fee.
3. Return to the Branch once you receive an SMS informing you that your card is ready.
4. Present 1 valid photo ID.
IV. Where can I get an Application form?
You can get an Application Form at any BPI Branch, and access it online at www.prepaid.bpicards.com.
V. Can I get an card even if I'm based outside Metro Manila?
Yes. BPI ePay Mastercard is available nationwide.
VI. How old do I need to be to get a card?
You may apply for a BPI ePay Mastercard as long as you are at least 10 years old.
VII. How long does it take to receive a card?
You may pick up your card in your nominated BPI Branch seven (7) banking days after submission of card application.
For nominated BPI Branches outside GMMA, the card will be available for pickup ten (10) banking days after submission of card application.
An SMS will be sent to your registered mobile number to advise you that your card is available for pick-up.
P. Loading and Reloading
I. How do I load money to my card?
If you have a BPI/ BPI Family Bank Deposit Account, you can easily transfer funds at your most convenient time from your BPI Account to your BPI ePay Mastercard through the following BPI electronic channels:
- BPI Online
- BPI Mobile App
- BPI Cash Accept Machine
If you don’t have / BPI Family Bank Deposit Account, you can still load BPI ePay Mastercard over-the-counter* at any BPI Branch.
*Maximum load per day is P50,000; aggregate of P500,000 per month.
Q. Card Usage
I. Where can I use my card?
You may use your BPI ePay Mastercard online and in stores worldwide wherever Mastercard is accepted.
II. What is a CVV/CVV2?
The CVV or Card Verification Value is a 3-digit code that can be found at the upper-right corner of the signature panel at the back of your ePay Mastercard.
III. Can I use BPI ePay Mastercard in PayPal?
Yes. You can link your BPI ePay Mastercard to your PayPal.
IV. How do I link my card to my PayPal account?
When linking your BPI ePay Mastercard to PayPal, please make sure your card has at least Php 150 load. PayPal charges $1 to link your card to your PayPal account, and Php 100 when you confirm your card. After successfully confirming your card, PayPal will return the Php 100 to your PayPal account in the form of PayPal credits.
Follow the steps below in linking your card to PayPal:
1. Sign-up/Log-in to your PayPal account.
2. Click Profile
3. Select Add/Edit Credit Card
4. Select Mastercard as card type
5. Enter your BPI ePay Mastercard card number.
6. Click Add Card
7. Your BPI ePay Mastercard is now viewable in your PayPal Profile. To finalize linking of your card to Paypal, click Confirm My Card to allow PayPal to send a 4-digit verification code you need.
To retrieve your 4-digit PayPal verification code, please view your Last five (5) card transaction history via BPI Online (Card must be enrolled and viewable in your BPI Online account's My Portfolio Page) or by sending your request with your 16-digit BPI ePay Mastercard Number via email to email@example.com.
V. Can I withdraw my funds from PayPal transferring funds to my card?
You may use your BPI ePay Mastercard to fund your PayPal account for purchases, but not to withdraw PayPal funds.
VI. I used my card but my transaction was declined, what do I do?
For concerns regarding BPI ePay Mastercard transactions, please dial 889-10000 and any of our phone bankers will be happy to assist. We recommend that you always make sure your card has sufficient load prior to making purchases and verify that all card details and personal information you encoded online is correct before you finalize your online purchases to prevent getting declined transactions.
BPI ePay Mastercard supports both signature verification (affixing signature in the sales/charge slip) and PIN verification. For transactions declined during in-store purchases, please ensure that you provided the PIN Code used for withdrawal transactions.
VII. Can I withdraw over-the-counter at a BPI/BPI Family Savings Bank branch?
Withdrawal transactions via over-the-counter is not allowed. If you need to withdraw your funds, you may use any BPI ATM.
VIII. Is there a charge every time I use my card?
BPI does not charge additional fees when you use your BPI ePay Mastercard for online and in-store purchases.
Charges only apply for in-store transactions abroad and withdrawal transactions. There is a 2% charge for POS transactions abroad and P 20 withdrawal fee whenever you withdraw using BPI ATMs. Other bank charges may apply when you withdraw from a non-BPI ATM.
R. Lost and Stolen Cards
I. I lost my card, what do I do?
Dial 889-10000 (all areas with "02" area code), 1-800-188-89100 (domestic toll-free for PLDT) or +632 889-10000 (mobile phone and international calls) and press 5 to report the card as lost/ stolen, so that the card can immediately be blocked. This is to make sure that your card can't be used by anyone else.
II. The card I lost still has load in it, can I get my money back?
Yes, you may get the remaining funds after you report it as lost/stolen. However, any purchase transactions using lost cards on dates before the card was reported as lost/ stolen will be considered as transactions done by the cardholder and will not be reimbursed.
III. How can I get my money back?
You can purchase a new BPI ePay Mastercard (a card replacement fee will apply), and go to any BPI Branch and request for transfer of balance for FREE.
If you are a Deposit Account Holder, you can request to transfer your remaining balance to your Deposit Account by calling 889-10000 (all areas with "02" area code), 1-800-188-89100 (domestic toll-free for PLDT) or +632 889-10000 (mobile phone and international calls). Please note that there is a P50 fee.
If you are not a Deposit Account Holder, you can request to get your money back in the form of a Manager’s Check for a fee of P100. You can request for a Manager’s Check at any BPI Branch.
IV. What if I lose my card while I'm traveling abroad, who do I contact?
To report a lost card when traveling, contact our international hotline +632 889-10000 to talk to any of our phone bankers.
V. My card expired but it still has load in it, can I get my money back?
Yes, you may request for a replacement card where the remaining load from your expired card. Transfer of load is free of charge but standard card fees apply for replacement cards. Expired cards for more than one hundred - twenty (120) days are subject to monthly maintenance fee.
VI. I want to have my card replaced, can I get a new card with the same number?
For security reasons, lost and stolen cards cannot be renewed. Instead, you may request for a replacement card that will have a new card number. If your card is expired, you may request for a replacement card with the same number. Standard card fees apply for replacement cards.