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Mobile Key
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  • Mobile Key

Use your mobile key to complete your transactions using biometrics
The mobile key is your new alternative to the One-Time PIN (OTP) to authenticate your online banking transactions.

  • It’s easier to do. Complete your transactions with just a PIN code or biometrics (fingerprint or facial ID).
  • It’s secure. Validation can only be done by you, on your preferred device.
  • It's quick. You no longer need to wait for an SMS-OTP to arrive. It just takes a tap, touch or selfie to get things done. 

The mobile key can be used for the following transactions*.

  • Pay bills
  • Send money to unenrolled 3rd party accounts
  • Send money to other banks

*For other transactions, you will still use the OTP via SMS to authenticate your transactions.

How to turn on your Mobile key

  1. Log in to the BPI Mobile app
  2. Go to Account Maintenance > Authentication. Turn on "Mobile Key.".'
  3. Nominate a 6-digit PIN Code.
  4. Enter the One-Time PIN that you will receive.
  5. You'll be given the option to use Touch ID. After that, you're done!

How to use the Mobile Key when transacting in the app (same device)

  1. After you confirm the details of your transaction, you will be prompted to enter the PIN Code or biometric (Fingerprint or Face ID), if activated.
  2. You're done.

How to use Mobile Key when transacting in BPI Online (browser)

  1. After you confirm the details of your transaction, you will be prompted to check your device where the mobile key is activated.
  2. On your device, tap the push notification from “BPI Mobile”. You will be prompted to enter the PIN Code or biometric (Fingerprint or Face ID), if activated.
  3. Check the transaction details and click on “Approve.”
  4. Both app and web screens will display that you’re done!


Frequently Asked Questions

1. What is the Mobile Key?
The mobile key is your new alternative to the One-Time PIN (OTP) to authenticate your online banking transactions. Just key in your PIN Code or biometrics (fingerprint or facial ID) to complete your transactions.

2. Why should I use it?
It’s faster to complete a transaction with just your PIN Code or biometrics. You won’t have to wait for an SMS-OTP to arrive. This is especially useful for clients who have no telco or SMS access. Please not that you need data or wifi connection to use the mobile key.

3. How many devices are allowed for mobile key?
You can use one device at a time.

4. What happens if I install the mobile key in another mobile device? 
The mobile key will be deactivated on the first device, once activated on another device.

5. Where can I install and use the mobile key?
You can turn on the mobile key using your BPI Mobile app. 
You can use the mobile key to approve transactions in both BPI Online and the app.

6. What transactions can the mobile key be used?
You can use the mobile key to:

  • Pay bills
  • Send money to unenrolled 3rd party accounts
  • Send money to other banks

7. What do you mean approval by biometrics?
Aside from Touch or Fingerprint ID, some devices also have the Face ID functionality. Fingerprint/Touch ID and Face ID can be used as your mobile key to approve transactions in online banking.

8. Can I deactivate my mobile key?
Yes, it can be deactivated in real time.

9. What should I do if my mobile key gets deactivated?
You will not be able to use it if you are in the middle of a transaction. You can just reactivate again in the BPI Mobile app.

10. Can I still use the SMS-OTP instead of PIN code?
Yes. The option to use SMS-OTP will appear on the PIN code screen.

11. Is there a time limit for the client to enter the PIN code before the mobile key request gets expired?
There is a 90 second time limit.

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