A. General Information on EMV
1. What is EMV?
EMV (Europay, Mastercard, and Visa) is the global standard for card payments used in most countries around the world. It uses chip card technology which makes every transaction secure and protected against counterfeit fraud.
2. How is the EMV chip card different from a magnetic stripe card?
Unlike the magnetic-striped (magstripe) cards, EMV cards have an embedded microchip that encodes the data of a purchase or transaction in a safe mode. A unique and dynamic security code is generated every time an EMV-enabled card is inserted into an EMV-enabled terminal (like an ATM or point-of-sale machine) which makes it extremely difficult for anyone to reuse your information on the card. This technology provides better protection against counterfeit fraud.
3. Why is my card being replaced to an EMV-enabled card?
The EMV chip card technology reduces the risk of counterfeit fraud, skimming, and other attacks related to magnetic stripe cards. At the same time, the Bangko Sentral ng Pilipinas (BSP) has mandated all Philippine banks to switch to this technology for card issuance, ATM and POS terminals to protect the interest of the public.
B. Getting the new EMV Debit Mastercard
1. What are the benefits of getting the new EMV Debit Mastercard?
The new BPI Debit Mastercard is an EMV-enabled debit card with more enhanced features compared to the magstripe BPI Debit card and BPI Debit EMV Cirrus card. Aside from the security of the EMV chip technology, you can also enjoy:
- Expanded payment solutions and expanded access to cash
- Better security with a 6-Digit PIN
- Payments through local/ international POS terminals wherever EPS, Mastercard or BancNet is accepted
- Withdrawing cash from any BPI, BancNet or Mastercard-affiliated ATMs locally and internationally
- Payments via tap for all purchases below Php 2,000.00 without need for signature or PIN
- Payments for online purchases and services wherever Mastercard is accepted.
Note: transactions where you are required to enroll your card details and subscription payments are not yet supported.
- Access to multiple accounts with just one card thru Account Linkage.
- Access to BPI's 24/7 Banking Channels
- Transactional alerts and notifications for ATM withdrawals of Php 5,000 and above (requires opt-in via BPI Online)
- Customizable withdrawal/ spending limits and other card settings through Card Control in BPI Online and Mobile App.
2. Do I need to have my card replaced with the new EMV Debit Mastercard?
All ATM/Debit cards issued before August 1, 2017 should be replaced with the new BPI Debit Mastercard.
3. How do I get an EMV Debit Mastercard?
You may get a BPI Debit Mastercard at any branch.
4. What are the requirements needed to get a BPI Debit Mastercard?
You need to bring the following when you go to the branch:
- One (1) valid government-issued ID with photo and signature
- Photocopy of the ID
- Your current BPI ATM/Debit card
- Your SSS, GSIS and/or TIN number if applicable
Upon claiming, you will be asked to update your Customer Information Sheet and Signature Card.
5. I have both card-based peso and dollar deposit accounts. How many BPI Debit Mastercard can I get?
A BPI Debit Mastercard can be issued separately for both your card-based peso and dollar deposit accounts.
6. Is there a fee to replace my ATM/Debit card to the new BPI Debit Mastercard?
Your first BPI Debit Mastercard per currency account is free of charge. Every succeeding card per currency account will have a fee of Php150.00.
Note: You may link different deposit accounts with the same currency into one debit card for free. Simply visit any BPI Family Savings branch near you.
7. Can I request for a BPI Debit Mastercard in another branch that is not my branch of account?
Yes you may request for a BPI Debit Mastercard at any BPI Family Savings branch.
8. What is Account Linkage?
Account Linkage allows you to easily access your other card-based deposit accounts in just one card. This feature is only available for the BPI Debit Mastercard.
9. How many deposit accounts can be linked to my BPI Debit Mastercard?
Your BPI Debit Mastercard has one (1) Main Deposit Account and can have up to nine (9) other Linked Deposit Accounts. The Main Deposit Account of your card can be viewed and used at BPI and non-BPI ATMs here and abroad. While Linked Deposit Accounts refers to other BPI card-based deposit accounts linked to your card.
10. How will I know the assigned Main Deposit Account for my BPI Debit Mastercard?
Your Main Deposit Account is specified in your card carrier when you receive your BPI Debit Mastercard.
11. Can I change the Main Deposit Account of my card?
Yes, you may change your Main Deposit Account or Linked Accounts. Simply visit any BPI Family Saving Bank (BFB) branch near you.
12. I already have a BPI Debit Mastercard. Can I get another one for any of my other accounts?
The BPI Debit Mastercard has an Account Linkage feature, which allows you to access all your deposit accounts at BPI ATMs with just one card.
However, if you still want a separate card for your other accounts, you may request this at any BPI Family Savings branch near you, subject to a card fee.
13. Can I ask someone to claim my EMV Debit Mastercard on my behalf?
We strongly recommend that you personally claim your new BPI Debit Mastercard at your branch of account to ensure the security of your card.
However, if you're abroad and don't have plans of coming to the Philippines soon, you may assign an authorized representative to claim your card, subject to the verification and approval of the bank.
Kindly ask your authorized representative to submit the following:
- Your duly accomplished and originally-signed BPI Family Savings Bank Letter of Authority Form
- Your duly accomplished and properly filled out Customer Information Sheet
- Photocopy of your valid government-issued ID with photo and signature
- Photocopy of your current BPI ATM/Debit card (front and back)
- Original and a photocopy of your authorized representative's valid government-issued ID with photo and signature
Upon receipt of the documents, we will conduct verification of your authorized representative for the security of your account. Once verified, we will advise your authorized representative when your card is available for pick-up.
C. Getting the new EMV Debit Mastercard (for Overseas Filipinos)
1.I'm an OFW. How can I replace my BPI ATM Card?
For OFWs currently in the Philippines:
Please visit any BPI Family Savings branch and have your current BPI ATM card replaced with a BPI Debit Mastercard until March 23, 2020. To replace your card, please bring the following:
- One (1) original and photocopy of a valid government-issued ID with photo and signature
- Your BPI ATM card
We will also ask you to update your personal information and signature card.
For OFWs currently abroad:
You may authorize a representative to get your BPI Debit Mastercard on your behalf if you are not coming home by March 23, 2020. Please ask your authorized representative to present one (1) copy of the following requirements:
- Original copy of your duly accomplished and signed BPI Family Savings Bank Letter of Authority (LOA) Form
- Original copy of your duly accomplished Customer Information Sheet
- Photocopy of the bio-data page of your unexpired Passport or government-issued ID with photo and signature
- Photocopy of your proof of work/residence abroad
- Original and photocopy of your representative’s government-issued ID with photo and signature
This request is subject to verification and approval of the bank. We will advise your authorized representative once your card is available for pick up.
Upon claiming, your authorized representative should also submit a notarized Acknowledgement and Release form.
2. Can my representative activate my new BPI Debit Mastercard?
Upon submission of Letter of Authority (LOA), you are authorizing your representative to claim and receive your new BPI Debit Mastercard and its PIN Mailer. You are also authorizing your representative to nominate and change the PIN of your new card.
Please carefully read the LOA before submission.
You may reach us through:
International Calls: +63 2 889-10000
Mobile Phone in Phil. : +632 889-10000; or 02 889-10000
International Toll Free Numbers
E-mail : email@example.com
D. Old ATM / Debit Cards Can No Longer Be Used
1. When will my old ATM/Debit card/s stop working?
Starting March 23, 2020, you can no longer use all old ATM/Debit card/s without the EMV chip*.
*If your BPI Debi EMV Cirrus card (for your Main Default account) is replaced with an BPI Debit Mastercard, your BPI Debit EMV Cirrus card will also stop working.
2. Why can’t I use my old ATM/Debit card without the EMV chip anymore?
This is to protect you by reducing the risk of counterfeit fraud, and will further improve the security of your account.
3. Who will be affected on March 23, 2020?
All old ATM/Debit cards without the EMV chip* will stop working starting March 23, 2020.
If you have a BPI Debit Mastercard already, please expect that you can no longer use your old ATM/Debit card/s without the EMV chip* of your Main Default Account and Linked Accounts.
If you haven’t replaced your old ATM/Debit card yet, please go to your branch of account for assistance.
*If your BPI Debit EMV Cirrus card (for your Main Default account) is replaced with a BPI Debit Mastercard, your BPI Debit EMV Cirrus card will also stop working.
4. What should I do if my card stops working?
Please go to the nearest branch to request for an EMV card.
5. I already have a BPI Debit EMV Cirrus card; will it stop working on March 23, 2020?
BPI Debit EMV Cirrus cards can still be used as these are already EMV chip-enabled.
However, if your BPI Debit EMV Cirrus card is a Main Default Account to a BPI Debit Mastercard, it will stop working.
6. What will happen when my old ATM/Debit card stops working?
When your old ATM/Debit card stops working, you can no longer transact using this card in any ATM or Point-of-Sale (POS) terminal.
7. Are there changes in my online banking and mobile app access if my old ATM/Debit card stops working?
There will be no changes in your online banking and mobile app access even if your old ATM/Debit card stops working. You will continue to enjoy the convenience of electronic banking with your new card.
Your online and mobile banking will use the same username and password, and your access to Phone Banking will use the same 11-digit access number and telephone identification number (TIN).