Tutorial on How to Transfer Paypal to BPI

Updated on April 22, 2016
Pictures borrowed from the websites of both Paypal (Paypal.com) and BPI (BPIexpressonline.com)
Pictures borrowed from the websites of both Paypal (Paypal.com) and BPI (BPIexpressonline.com)

Paypal to BPI money trasfer process

This hub contains important information regarding Paypal and BPI – a local bank here in the Philippines.

Before we begin, here is what to expect from this Paypal BPI Tutorial and Guide

  • Withdrawing Paypal funds to BPI (a local bank here in Philippines)
  • Tips, things to remember, and requirements when withdrawing Paypal funds
  • How to verify and fund your Paypal account using BPI (including tips and things to know when doing so)

It is also important to note that the steps mentioned here is exclusive only for BPI. HOWEVER – the steps may also be applicable to other local Philippine banks such as Metrobank, BDO, Unionbank, etc... Of course there might be some minor difference like bank routing code (9 digit bank code), number of processing days, processing fees, etc...

Lastly, since we are on the topic of withdrawing money, this post will also briefly discuss some methods on how I put funds or deposit / transfer money to my Paypal account.

Paypal to BPI Requirements (withdrawing Paypal to BPI requirements)

A lot of Filipino Paypal users may not realize this but they can transfer their Paypal funds to physical cash by transferring it to their local bank.

The only thing stopping them is concern or worry that the transfer may not be successful or an error may occur which may lead to the possibility of the money being lost in cyberspace.

So before withdrawing Paypal funds to a BPI savings account, be sure that the following requirements are met:

  • Correct bank routing code – also called 9-digit bank code (please be advised that this is not the card number nor the account number)
  • Registered name with Paypal must match with the one on the bank account
  • Account with the bank must be active or working
  • Paypal account must be verified
  • The savings or ATM account to which money will be transferred to MUST first be ADDED to your Paypal account (see steps below)

Once the above requirements are accomplished, the user may now proceed with the funds transfer / withdrawal.

Steps on how to add or link BPI savings account to your Paypal account:

  • Log in to your verified Paypal account
  • Click the Profile menu which is part of the “My Account” section
  • A drop-down box will appear – choose “Add / Edit Bank Account”
  • Supply in the necessary information of BPI savings (ATM) account

FYI please that you will withdraw your Paypal funds to a savings or ATM account – and NOT your credit card account

Steps on how to withdraw Paypal funds to BPI –

Withdrawing funds from Paypal to BPI (or any other local banks for that matter) is relatively easy because this option is easily viewable / accessible once a user logs in to his or her Paypal account.

The “Withdraw Button” is along the “Add Funds” and “History” button.

After clicking the said button, the user will now be directed to a page wherein the person must choose whether to withdraw the money to the bank account or to a registered Paypal card. For our tutorial, we will choose the former.

After selecting the “withdraw to bank option” you will be directed to the following page (refer to picture below)

Even though it is possible to fund your Paypal account with your credit card, bulk of my Paypal funds ($290) are coming from other online sources like HubPages, oDesk, and YoHoHoN

As can be seen on the photo above, I am withdrawing $290 to my BPI ATM account.

Be sure to double check the important fields like amount to be withdrawn, appropriate bank, and if the last four digits corresponds to the last four digit of the bank account.

After double checking the mentioned fields, proceed by clicking on the “Submit” button.

Review your withdrawal section –

Before finalizing the transaction, Paypal will ask you to verify again if all information are correct. Below is a screen shot sample of the particular page.

This portion is the last chance that you can edit the transaction. Be sure that all info are correct before proceeding.

Your withdrawal request is being processed –

This screenshot is the last portion of the transaction. This part will ask you if you want to visit the details of the withdrawal request or if you would like to go back to your account overview page.

Transaction details –

If you choose the first option, here is a screen shot sample of the transaction details.

How to know if Paypal to BPI is successful?

To know if Paypal to BPI fund transfer is successful, simply check your bank balance or ask for a copy of the statement balance.

As can be seen in the photo below, there is a 150 pesos banking fee for the transaction.

If you will notice on the first picture, the original amount supposed to be given by Paypal has been deducted by 150 pesos and it took three days to process - which is actually quite fast and hassle free.

By the way, the transaction will fall under the remittance category.

Tips and advice on how to have a successful Paypal to BPI transfer:

  • Do the transfer on a Monday. As much as possible avoid the transaction process pass over the weekends or holiday
  • Experiment first with a small amount and see if it will be successful
  • Take details / pictures (screenshot) of the transaction. For readers who are not familiar on how to take a screenshot or creating a copy of the current display of the monitor, here is a good tutorial on how to do such thing: How to use Print Screen in Windows Tutorial

How to fund and put money to Paypal

There are many ways on how to put money to Paypal. Listed below are my favorite ones:

  • BPI Credit Card

Paypal and BPI credit cards

As mentioned numerous times on this post, BPI savings and ATM accounts are mainly used to withdraw money from Paypal.

However, BPI credit cards are used to:

  • Verify a Paypal account
  • Used for online purchase when it has been linked already
  • Fund a paypal account

Adding, linking, and verifying Paypal with a BPI credit card

When you used your BPI credit card to verify your Paypal account, it will automatically be linked / added to your Paypal account.

Below are the steps on how to do so:

  • Log in to your PayPal account.
  • Click “Profile” (described on the earlier section of this article)
  • Select “Add / Edit Credit Card”
  • Choose the appropriate card type (Mastercard or Visa depending on your credit card)
  • Enter necessary details
  • Follow on-screen instructions

When the above steps are completed, Paypal will:

  • Charge 150 pesos which will reflect on the billing statement (this amount will be refunded by Paypal)
  • This is actually a code that must be inputted to finalize linking the credit card and completing the process.
  • The code can be distinguished with the prefix “PP” (this step is also mentioned on Paypal’s instruction page)

Final tips and things to remember

We will end this tutorial article with some last tips and things to remember when using BPI credit card to link / verify your Paypal account:

  • BPI e-creditcard can be used (BPI e-Creditcard is BPI’s way of dedicating a credit card solely for online purchases. Anyone one can get this as long they have a primary credit card)
  • BPI prepaid credit cards can also be used. But in doing so, make sure that there is a 150 balance on the BPI prepaid credit card
  • To view the statement balance of the prepaid credit card and retrieve the code, the owner must enroll the account on BPI’s online portal or call the customer service number
  • It is actually more advisable to use a prepaid credit card to ensure that you stay within your budget
  • In regard to the bullet directly above, I put a cap or limit on my e-creditcard to prevent possible insurmountable charges

ACC - anyone can comment even non-members! Comment responsibly!

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    • profile image

      Aj 2 months ago

      Is Debit Card not allowed?

    • profile image

      Elfin 3 months ago

      Can we use/link a bpi accouny that is issued by our employer for our salary? Or does it have to be a personal savings account?

      Also, after we do the transfer, can we unlink the account with paypal provided there will be no primary account info left?

      Thanks :)

    • profile image

      Antonio 4 months ago

      Can I link my BPI Kaya Savings to Paypal?

    • profile image

      MAE 4 months ago

      hello. what is the bank code of BPI EXPRESS TELLER??

    • profile image

      Kristin 5 months ago

      Is it ok to use my Kaya Savings acct to paypal?

    • profile image

      earl 6 months ago

      is it ok if the account used is for (BPI)family savings?

    • profile image

      ryline 6 months ago

      hi sir..... the money withdrawn from my paypal account to my bpi savings account says completed. however after 4 days the money was again sent back to my paypal account? what seems to be the problem? i read it says due to technical problem? i dont understand. the bpi savings account is a corporate account.

    • profile image

      Min 6 months ago

      It worked, thanks. But in total 200 pesos is the charged. 50 pesos from paypal and 150 pesos from bpi.

    • profile image

      Giyang 7 months ago

      Hi, i just want to know if i can withdraw USD to my bpi account without paypal converting it to peso and let bpi handle the conversion? Im loosing a lot of money using paypal currency rates?

    • profile image

      Serra 7 months ago

      Hey! I just want to share my experienced. I hope it can help. You need a two BPI Cards a Debit Card and my e prepaid Card. The Debit Card, You should enroll it first through Bpi express online. Then, you add the my eprepaid card account. After that you need load to link the card to paypal. But they will ask you the 4 digit code to confirm or verify your card link to paypal.

      And now I am still waiting for the verification code. I also emailed the bpiexpressonline for a 4 digit code.

      Thank you.

    • profile image

      Jun 8 months ago

      Hi, just to clarify. aside from 50.00 charge for transfer fee from Paypal. there's also another charge of 150.00 when the amount was transferred successfully to your bank account? if so, thats double charges already. and stated above, that 150.00 will be refunded by paypal. is that true?

    • profile image

      Bob 9 months ago

      Hi writerjj. I hope you're still active. I'm getting this on my Paypal after I inputted all fields in the Add a Bank Account in the Philippines CORRECTLY: "The bank information you have added is invalid or missing. Please try again. First Name: Please enter only letters, hyphens, spaces and commas." Can you help me? I have no idea what I am doing wrong.

    • profile image

      Jaye 9 months ago

      Hi, good morning. I would like to ask what is the account number (1-16 DIGITS) that paypal is asking. because on my BPI Easy Savers Account (BPI Debit Card) it shows at the back-which is the account number only 10 Digits only in this sequence 1234-1234-12... however the card number at the front shows 16 digits but it is the card number not the account and has different numbers too... which number should I use?? thank you.

    • writerjj profile image

      writerjj 9 months ago

      Hi John -

      Thanks for the info. It has been two months, hope your concern is now solved.

      Hi Lady -

      It usually takes 3 to 5 banking days

      Hi Che -

      It usually takes 3 to 5 banking days

      Hi ferlyssa -

      The bank routing code is different from the bpi atm card

      Hi Paulo -

      Many users experienced the same situation.

      Hi Jhon -

      If the transaction was reversed, it might mean that transactions on the said card is not allowed.

      Hi mark -

      The bank code might indicate bank routing code.

    • profile image

      Jhon 10 months ago

      i just wanted to ask if its possible or does PayPal accept BPI Express Teller International Debit Card, but it doesn't have a Master card or Visa Card logo, but a Cirrus logo instead. Because i have once tried to transfer my PayPal funds to this ATM card but it has been 4 days and there is no money in my bank account. And they also reversed the transaction and sent back my money to my PayPal account. So i'm wondering if they accept this type of debit card. I also wanted to try it again withdrawing my funds to the bank account but i wanted to know those things first because they might charge me 250 pesos if an error occurs again. Thanks and I'll be waiting for a quick response. :)

    • profile image

      Paulo 10 months ago

      I added my BPI savings account on my paypal. the description of my account is checking. why? and I cant withdraw. paypal says "there's nothing to withdraw right now"

    • profile image

      ferlyssa 11 months ago

      hi.. where can i get the bank routing code? i tried to transfer fund from my paypal to my bpi, it was not successful... i used the card number of my bpi atm card as advised by bpi staff when i opned the account..

    • profile image

      che 11 months ago

      I saw my paypal account that the transaction already complete,but I dont receive my fund yet.may I know how many days it took to appear on my bank account.thank you

    • profile image

      Lady 11 months ago

      I saw my paypal account that the transaction already complete,but I dont receive my fund yet.may I know how many days it took to appear on my bank account.thank you

    • profile image

      John 11 months ago

      ow sorry i mean withdraw funds to it, newbie here :)

    • writerjj profile image

      writerjj 11 months ago

      Hi John,

      By linking it to PayPal, do you mean to verify your PayPal account using bpi easy saver acct or withdraw funds to it?

    • writerjj profile image

      writerjj 12 months ago

      Hi Shee,

      Did you sold something on eBay? Is your Paypal account already verified?


      When I linked my BPI, I put in Bank of the Philippines Island

      Hi PayPalNewbie,

      Were you able to successfully linked your BPI Savings Account to your PayPal?

      The checking account happens to me too. It would be wise to transfer a small amount first and see if it will push through.

      Although, there would be a processing fee, that small amount will be worth it for a peace of mind for a successful trial transaction :)

      Hi Jay Tero,

      Are you referring to a eBpi card?

    • profile image

      Jay Tero 12 months ago

      Can I use my BPI Debit card to connect it to paypal?

    • profile image

      PaypalNewbie 12 months ago

      Hello! First off thanks for writing this very comprehensive guide.

      I've tried to withdraw my funds from PayPal to my BPI but I haven't pushed through with it because the account in the confirmation screen says that it's a Checking Account. Thing is, my BPI account is a Savings Account type. I haven't completed the withdrawal yet as I'm afraid this might cause my money to get lost. Can you please let me know how to change it from Checking to Savings?

      Thanks in advance!

    • profile image

      Hi 12 months ago

      Hi What bank name should I write on linking my bank for paypal, because my atm was on bpi family bank. Should I write "Bank of the Philippine Island or Bank of the Philippine Island Family Savings Bank" Im confuse. Pls Help

      Thank you

    • profile image

      Shee 12 months ago

      Hello! Just wanna ask why my I can't withdraw funds in Paypal. It keeps on saying "There's nothing to withdraw right now." And the money that was sent to me is "ON HOLD". And on paypal pending activity, it shows "Make sure you add shipping or tracking information. This payment will be in your pending balance until 1 April 2017. It may be available sooner, once we know the transaction went smoothly." I feel worried about this.

    • profile image

      Summer 13 months ago

      Thank you for this, I used it as a guide, I hope my transfers will be successful :)

    • profile image

      Gerald Christian Luna 13 months ago

      I know this is late but hopefully you will still see and answer this. I added a BPI bank account in Paypal, I put the card number that is the 16 numbers in front of my atm card unto the bank account. Did I do it right? Or should I put the 10 numbers at the back? I am worried now because I had transferred some Paypal funds on that no. and I don't know if I can cancel or refund it or will it bounce back to my Paypal account. Please help.

    • profile image

      elly trin 13 months ago


      last friday (march 10,2017) i transferred my money from paypal to my bpi debit... but until now (march 16) the money that i transferred was not on my account yet... is there something wrong?

    • profile image

      ross 13 months ago


      i tried withdrawing my paypal funds but I cannot click the Continue button. I already emailed Paypal but 1 week has passed and no reply. Pls help

    • writerjj profile image

      writerjj 14 months ago

      Hello Dear Readers. Apologies for the late reply. As for the queries:

      Ruzzy - I don't think that is posible

      Pixer - you need a BPI credit or debit card to verify your Paypal account

      GuestL - the same thing happened to me. However, I don't think that it is impacting

      Jason Mapa - if it pushes through, you should see it in your savings account

      Melanie - I don't think that's possible. Please let us know if you do inquire about it to BPI

      Faith - It happened to me too

      king - are you referring for withdrawal or to verify the Paypal account?

      Kensel Tecson - not that I know of

    • profile image

      Kensel Tecson 14 months ago

      is it possible to transfer my paypal acc to my bpi debit card acc?

    • profile image

      Faith 15 months ago

      The UI of paypal has changed and I cannot find the add/edit bank account. I added a BPI account and it automatically saves as checking account but mine is savings. How will I edit that? Thanks.

    • profile image

      Melanie 15 months ago

      Hi Would it be possible to request BPI to expedite the transfer once I have completed the steps through PayPal?

    • profile image

      Jason Mapa 15 months ago

      I transfered my money from paypal to BPI and after the 2-4 days. I checked my balance (Balance Inquiry) where should I expect it? In Current or Savings? Just asking coz i'm afraid to lose my money and it's my first time transfering my money

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      GuestL 16 months ago

      Hi, I was wondering when my BPI account became a checking account in Paypal when it should be a savings account. Are they the same? What could have been wrong? As I linked my BPI, I don't recall it has options if it's a savings or checking or current. If it has, I would have chose savings then. Later did I know as I submitted my withdrawal request then the checking account appeared.

    • profile image

      pixer 16 months ago

      Hi I have a BPI account. I tried to link it to my paypal but I don't know how to verify it. Please help me. I have a BPI ExpressTeller Card

    • profile image

      Ruzzy 16 months ago

      Can i use a bpi savings account to fund paypal and not a credit card?

    • writerjj profile image

      writerjj 16 months ago

      Hi Harvey Guiang,

      Are you referring to BPI EPS? If that is a savings account, you can transfer your Paypal funds to it

      Hi Kat,

      A debit card will also do.

      Hi Charisse,

      I think BPI family and BPI have different bank codes. The one provided here is for BPI and not family.

      Hi April,

      If you followed this tutorial, you should have no problems transferring your Paypal funds to BPI :)

      Hi KBD,

      I'm not sure I follow you. Basically, your flow is the following:


      Hi Cherith,

      I think the one provided to you is the swift code

      Hi Aya,

      Simply open a savings account at BPI. Link that one to Paypal, and when successful, you may now transfer your Paypal funds to that BPI savings account

      Hi Twix,

      I think that one is a BPI ATM card for a savings account. If so, you cannot use it to verify your Paypal nor use it for funding.

      Hi Diana,

      To clarify, you used a savings account or a checking account? I think checking accounts are not good

      Hi Rose,

      Paypal states that it the names should match

      Hi Koi,

      I think that is an option for users. Mine is not for business

      Hi Jenny,

      If the transaction will fail, Paypal would inform you. If it has been too long already, send them an email if the transaction pushed through or otherwise.

      Hi Paolo,

      That's usually the case. Check you savings account on the 3rd day and after.

    • profile image

      paolo 16 months ago

      hi. i transfer my paypal money to my bpi bank account and after 2 days paypal say's completed. when i try to check my balance in my atm. no money added to my bpi acc.

    • profile image

      Jenny 16 months ago

      Hello, I link my paypal account to BPI EPS savings card. I transferred my funds last Nov 28 and until now it's not showing in my card. Is BPI EPS an eprepaid card? Do you think I'll get my money for this? Or will it reverse in my Paypal account?

    • profile image

      jrbergonie 16 months ago

      Hi, why does paypal shows my bank account as a checking account when it is a savings account? is there any problem with that?

    • profile image

      koi 17 months ago

      Hi. I'm about to open a paypal account and one of the info asked is the business name. Is it really important or can I put anything on it or just a dash?

    • profile image

      Vance Dee 17 months ago

      Question why does bpi say they don't have a bank code?

    • profile image

      ROSE 17 months ago

      Hi the name of my bank card has my middle name R. Only shall I put it like that as well or the whole word Rico? Ciz at my paypal account I have it as Rico not R. Though at my bank card it's R.

    • profile image

      diana 17 months ago

      hi, i used my bpi checking account to withdraw funds, but still 7 days, still nothing on my bank account. please help

    • profile image

      Twix 18 months ago

      Hi! I have a card with BPI, and that is the BPI Express Teller card which is the blue card that has the letters "EPS" written on the lower right side of the card. This one has no CVC, but it is a debit card that was given to me upon opening an account in BPI. I am planning to link my BPI bank account to Paypal, since I do not have a credit card. Do you think that my BPI savings account can be used for funding my Paypal account?

    • profile image

      Aya 18 months ago

      Hi. Good morning. I just want to know what kind of BPI bank account for paypal withrawals that i should have get? I hope to hear from you soon. Do i have to tell them that i will use BPI bank account for paypal withdrawals?

    • profile image

      Cherith 18 months ago

      Hi. I called the BPI branch where I opened my account and they gave me a different bank code. They gave me the code specifically for their branch where I opened my account. Is that ok to use? Or should I use this one in your post?

    • profile image

      April 18 months ago

      Tried Dexter's advise above last night/earlier today. I transferred my Paypal balance to my BPI Easy Savers Account at around 2:30am, but no luck for me (haha) It's now 5:35pm and the transfer is not in my BPI account yet.

      Hopefully next week. This is my first time transferring Paypal funds to a local bank account, I'm hoping that it will be successful and will encounter no errors. *crossing fingers*

    • profile image

      Kat 19 months ago

      Do I really need to have a credit card in order to verify my PayPal Account?

    • profile image

      Harvey Guiang 19 months ago

      Hi! Can I use EPS card to my paypal account?

    • writerjj profile image

      writerjj 19 months ago

      Hi Camille,

      Have the funds arrived?

      Hi NS5Dev,

      That's interesting. Hope some readers who did so would share their experience.

      Hi BeriAckerman,

      Yes you can.

      The ePrepaid Card is use for verifying your account and for online purchases.

      The BPI ATM Card (assuming it is a savings account) is used for transferring your Paypal funds to that particular account.

      Hi tax-free-lancer,

      Who's Roberts?

      Hi Chamie,

      There are slight changes but the essence is still the same.

      Hi Riri,

      The email verification is different from the actual verification. The former is just to ensure that noone is spamming by making lots of paypal account.

      What's paymaya?

      Hi Arvilyn,

      Have the funds arrived already?

      Hi Asmarie,

      Thanks for bringing that up.

      Hi sidlj,

      Is your card connected with Paypal? Is your Paypal verified?

    • profile image

      sidlj 19 months ago

      Hi Sorry I have a newbie question - I used my credit card to purchase online through paypal and the bank alerted me that I have exceeded the budget I had set. What does exceeding the budget mean?

    • profile image

      Asmarie 19 months ago


      This is according to a PayPal Consumer Support Specialist I’ve spoken to.

      Your bank account doesn’t necessarily need to be confirmed and it is not necessary as well for you to link a card for bank confirmation. Confirming a bank is only applicable for US PayPal users, for them to be able to pull funds from the bank.

      For linking a card, they ask you to link a card for online transactions and payments since the only allowed funding source for your payments are PayPal balance and cards.

      For Philippine PayPal accounts, even if your account does not have a credit card, you can still receive payments and withdraw the money to your bank even pay using the money on your PayPal balance.

      To verify the PayPal account which will lift your withdrawal limit, that’s the time that they will require to verify your PayPal account by linking and confirming a card.

    • profile image

      Arvilyn 19 months ago

      Hi This is arvilyn. I hope that you can help me here. I withdraw specific amount from paypal to my bank account. I was able to receive confirmation on my email that the amount should be on my bank on Sept 2 but until now i haven't receive it. Please help me I need that money.

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      Riri 19 months ago

      Hi, I just made a new paypal account and what do you mean by a verified account? Isn't it when u verify it thru email after registration? And if it isnt, will my paypal account gets verified if I connect my paymaya visa card with it? It's currently connected to my old paypal account. I haven't tried withdrawing (but no problem sending money) since I haven't linked it to a bank account yet (planning to get one asap). Will it get verified? Hope to hear from you soon. Thank you for this article as well. It's really helpful. :)

    • profile image

      Chamie 19 months ago

      Hello :) I'd like to confirm if the instructions specified here are still up to date. Also, is the bank routing code the same as the swift code?

      Thank you so much for this!

    • profile image

      tax-free-lancer 19 months ago


      I'm a Union Bank EON user. My debit card expired about a year ago. My question is similar to Robert's. Can I still transfer my PayPal funds to my bank account?

    • profile image

      BeriAckerman 20 months ago

      Hi, I just recently linked my BPI ePrepaid Card as an alternative for the credit card with paypal and I was wondering if its possible for me to use my BPI ATM Card (Express Teller) to withdraw money from paypal?

      I don't have a passbook, so I don't know how this works neither do I have a BPI Online Banking Account. I'm new to this, sorry. :(

      I hope you can help me with this one. Thank you in advance.

    • profile image

      NS5Dev 20 months ago

      Anyone tried opening BPI dollar account and withdrawn Paypal dollar funds to it?

    • profile image

      camille 20 months ago

      Same experience. I withdraw from PayPal to my BPI SA last Aug 16 and up to now Aug 23, it didn't appear on my account. It's my first time to transfer $1,000. But before, I don't have problem with PayPal withdrawals. I'm so worried :(

      Anyone here experienced withdrawing big amount from PayPal? :(

    • writerjj profile image

      writerjj 20 months ago

      Hi Divine -- you are most welcome :)

      Hi Lanie -- have the funds already arrived?

      Hi Arnold -- some commenters said that it is possible to withdraw with an unverified account. I'm not sure if that is true, but as my personal rule of thumb, I always stick with correct procedures when money is involved

    • profile image

      Arnold 20 months ago

      Hi, idk if this is still active but,,

      Can i withdraw with my paypal unverified?

      It says there's a $10k a month withdrawal limit for unverified. So does that mean i can withdraw just with a limit?

      I tried withdrawing but i had a problem with my name. Or account number of bpi

      How will i know my bpi name?

      Like , if my name on bpi doesnt have my middle name, does that mean my paypal also shouldnt have my middle name?

    • profile image

      Lanie 20 months ago

      I transferred my paypal money last wed but I still cannot see the money in my BPI account. Is it possible that it will not be transferred anymore?

    • profile image

      Divine 20 months ago

      Thanks a lot for that info! God bless. :)

    • writerjj profile image

      writerjj 20 months ago

      Hello Dear Readers,

      So sorry for the late reply (busy days). Anyway, I'll try to assist in anyway I can.

      Mary Ruth,

      I don't think PayPal offers any type of card. To withdraw your money from PayPal, you need to (a) verify your account first (using a credit card with a Master or Visa logo); (b) once verified, you may now add your BPI savings account; (c) once added, you can now withdraw Paypal funds to that account


      Interesting. Have you already received your money?


      You can only use that SA to withdraw from your Paypal funds. But you cannot use it to verify your Paypal account


      Try changing your name first. Names on both should match each other.


      Information must be complete


      Interesting and thanks for sharing

      Gab Gamboa,

      Very nice and detailed. Thanks for sharing those very useful tips


      That's what I like to think


      I believe there is


      Yes. You don't need a dollary account and any money you withdraw from PayPal will arrive in BPI as Peso


      A regular BPI SA will do. I don't know any BPI online registration. I already have an existing BPI long before I knew PayPal. I added that account in PP and voila!

    • profile image

      ian 20 months ago


      The appropriate account to open is a BPI savings acct. right? If so, which one, Family Savings or Easy Saver?

      My Unionbank account has expired (Paypal knows this too) and I'm not planning of reopening it. I work for an online writing co. in the Phil. and their official bank is BPI. I'm on Upwork/Odesk too so I'm planning to open BPI acct. for my Paypal.

      When applying for a BPI acct, do you need online registration first like UnionBanks EON?

    • profile image

      Divine 20 months ago

      Hi writerjj,

      Thanks a lot for this post! Helped a lot!

      Just for clarification, even though I don't have a dollar account (in my case AUD account) in BPI, I can still withdraw AUD and will get the amount in PHP in my BPI account? Is that right?

      I have an ATM savings account.

      Thank you in advance!

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      john 21 months ago

      Is there a minimum amount required before you can withdraw money?

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      chel 21 months ago

      will any atm saving account of bpi work on paypal?thanks

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      Gab Gamboa 21 months ago

      Hi Everyone,

      I want to add my two cents in this conversation, if you guys don't mind, lol, and i hope these information helps you one way or another.

      Note: All information below are based from my personal experience from PP and may not be the same case for some users here.

      1.) paypal asks you to add a debit/credit card to your account because it will not allow users from the Philippines to add funds directly to their PP account from any type of bank account (Checking/Savings).

      If you are a seller, the buyer will be credited via their credit/debit card going into your PP account but there is no way that you can personally fund your account. Bank funding only works in the US and other countries. The exception is if you have lots of debit/credit cards handy and you pay yourself :) Or you're receiving money as payment for services and there is no need for you to manually add funds to paypal, otherwise you really need a cc/debit card on your account to get fully verified and to use paypal to pay for anything (if you have paypal balance it will not directly deduct it from your card, i believe it will give you an option which method of payment to use).

      2. Your debit/credit card should have the following logos on the front MasterCard, Visa, American Express, Discover. If your debit/credit card doesn't have one right now, then you can't use that. Find a bank that carry these logos and you're good to go.

      3. For those asking what your card number is, its the one on the front side of the card. it is long. probably around 16 numbers. The account number for BPI i think is the one on the back. If you are unsure, call your bank. If you have online banking on, i believe it is listed there.

      The security code is the 3 digit (or 4) code at the back of your card. You need that. If your card doesn't have it, then again, ask your bank. Based on my research, only debit/credit cards would have this 3 digit number on the back, and are usually on MasterCard, Visa, and Discover cards (4 digits for AmEx). I am unsure if this applies now but please..again if you're not sure. Ask your bank. :)

      4. I just recently discovered that some other countries cant send users in the PH personal payments (not for goods).

      5. The time of remittance to one's bank account is counted in BANKING days, so that means no weekend, no holidays.

      6. You can also use a checking account aside from your savings account (mine is checking or current) for your registered bank account.

      7. Don't expect that the money sent to/from you will be in full when you receive/send it. PayPal charges fees... for the PH, they charge the sender a specific fee rate and the sender has the choice of either shouldering it or passing it on to the receiver (in most cases it is the latter).Example, the seller decides for you to pay the fee then it would look something like, 50.00+(3.9%+15 of 50) = 66.95 -- this will be charged to you, the buyer. In receiving money, there is also that charge (im still researching on this), but it would be around xx%+fix amount too, deducted from the original amount.

      They also have a conversion fee, it will apply if you are paid in dollars and your local currency/ and is withdrawing in peso.

      8. Please read PP terms and conditions before using it.

      Hope this helps . :)

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      PJ 21 months ago

      I have an unverified Paypal account and I can transfer funds to my BPI savings account regardless. Just make sure the name on your Paypal is the same reflecting on you ATM card. Takes 1-2 days for my balance to reflect.

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      christian 21 months ago

      sir is it okey to put the 16 number instead of 10 number in the account number?thanks God bless

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      saysay say 21 months ago

      hello Good day..

      just want to ask what should i do if the paypal denied my request to send a money to my bank account in BPI.?

      i give my account no. and the bamk code but they denied it.

      and my name i used to paypal is different to my BPI bank account.

      should i change it to access my account in BPI ?

      they give this email this.

      "An electronic funds transfer from your PayPal account to your bank account was rejected today for this reason:

      Invalid Bank Account Information

      Our system was not able to process the transaction with the bank information listed on your account. You should contact your bank regarding the bank account information required for electronic funds transfers. If you still need assistance, you may email us through our secure server at "

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      say 21 months ago

      hello Good day..

      just want to ask what should i do if the paypal denied my request to send a money to my bank account in BPI.?

      i give my account no. and the bamk code but they denied it.

      and my name i used to paypal is different to my BPI bank account.

      should i change it to access my account in BPI ?

      they give this email this.

      "An electronic funds transfer from your PayPal account to your bank account was rejected today for this reason:

      Invalid Bank Account Information

      Our system was not able to process the transaction with the bank information listed on your account. You should contact your bank regarding the bank account information required for electronic funds transfers. If you still need assistance, you may email us through our secure server at "

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      saysay say 21 months ago

      Hi Good day.

      i would like to ask if its okay if my account in paypal is different name to my BPI account?

      cause when i send money its denied after 5 days it happened to me 2 times when im sending money thru my account in paypal to my BPI account.

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      Marianne 21 months ago

      I currently have a BPI savings account. Does linking it to a PayPal account require Visa or Mastercard in the card? Because mine does not have. Thank you!

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      Jose 22 months ago

      I have the same issue as Cholo with the Savings and Checking account. When I added my SA number, Paypal listed it as Checking Account. I have withdrawn some money last week and it's been 5 weekdays now and I still haven't received any money. I hope there won't be any problem. I'll update you.

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      mary ruth 22 months ago

      my bank information in paypal says it is checking, but it is a savings account... so my money got rejected... please help me how to change it into checking account.. i didn't even do it.. it was automatic and not changeable. i need to withdraw my money from paypal, i get my salary from my new job in paypal... and also want to know how have paypal card

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      Mary Ruth 22 months ago

      How to get a paypal catd?

    • writerjj profile image

      writerjj 23 months ago

      Hi Chai,

      Yup. But, if you want to verify your account, you need a credit card.

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      Chai 23 months ago

      Hello Good pm..

      Can a BPI Express Teller International (blue color) can be used to link paypal and receiving some payment? Can I use this type of card?


    • writerjj profile image

      writerjj 23 months ago

      Hi Deniece Lim,

      That's a good question. The most that I have transferred is $400+ Am not sure if there is an amount ceiling. I suggest contacting both Paypal and BPI support (I'm thinking that BPI might have a maximum amount which might be dictated by AMLC - but again, I'm not sure about it)

      Hi Andrei,

      Yup, it is 150. I just confirmed it a few weeks ago :) Since it is regardless of amount, it is advisable to accumulate it first before withdrawing :)

      Hi Jerwinio,

      Yup the account number is the one at the bank. If the transaction will fail, the funds will go back to your Paypal account with a corresponding fee (i think they call it a penalty fee or something of that sort)

      Hi Cholo,

      The account that I have linked is a savings account. I couldn't recall if I was given an option to choose between a checking and savings account when I linked my account. Anyway, how does Paypal indicate that the one you have is a checking account? When you tried to withdraw or at the Bank section?

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      Cholo 23 months ago


      I already linked my BPI savings account to my Paypal account, my accounts are also verified now.

      My concern is, according to Paypal, the linked BPI account is a checking account, while my actual BPI account is a savings account. There are no options to link a savings account; Paypal automatically assumes my account is a checking account.

      Will there be any problems due to the said discrepancy? Is your BPI account a savings or checking/current account? Can you confirm if your linked account on Paypal is listed as a checking account?

      Thank you.

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      Cholo 23 months ago

      Hi, I already have 1) a verified paypal account, 2) BPI savings account, and 3) funds in my paypal I wish to withdraw.

      My concern is, according to Paypal, the linked BPI account is a checking account, but my actual BPI account is a savings account.

      Will there be problems due to this discrepancy? Is your BPI account a checking or savings account? Also, can you kindly check if the BPI account linked to your Paypal is a checking account too?

      Thank you.

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      Jerwinio 23 months ago


      It seems that I have read your guide too late now as I have already transferred my funds from paypal to my bank account, yes my Bank account is BPI and I have input my card number instead of account number and I am really unease after I have read your guide, paypal seems misunderstood me when it comes to inputing account number though because it requires 1-16 digit number and the card number on my BPI Express Teller is exactly 16 digits and I just read that the account number is actually the 10 digit number at the back of the card...

      Anyway is there any possibilities that the funds I transferred will return from my paypal account? I really wanted to clear my mind since I am getting paranoid after reading this...I am a freelancer also and this is my first using paypal as a method of getting paid. Thank you for providing this guide and unfortunate for me to have read this too soon.

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      Andrei 23 months ago

      Hi! Thank you for this post :)

      the fee when withdrawing from your BPI account is P150, regardless of the amount? Does that mean that it's advisable to "collect" the money in your Paypal first before withdrawing everything all at once so you'll only have to pay P150 for that one transaction? :) I'm just confirming because I read in another blog that it's P250 when withdrawing from BPI (but it could be outdated so I'm not sure)

      thank you! :)

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      Deniece Lim 24 months ago

      Hi! Any idea how much is the maximum amount I can transfer from my paypal account to my BPI bank account? Thanks!

    • writerjj profile image

      writerjj 24 months ago

      Hi Bryan,

      It would be advisable to verify your Paypal to avoid any possible problems - particularly when withdrawing funds is concerned.

      Hi Marielle Agabe,

      That's interesting. As I recall, limits will be removed once you linked and verified your Paypal account.

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      Marielle Agabe 2 years ago

      Hi, I just want to ask if you know how to verify and to complete my sending and withdrawal limit in my Paypal account?. I already link my BPI account. And my sending limit is already complete but my withdrawal limit is not yet complete. This is my first time using Paypal account.

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      Bryan 2 years ago

      Hi. Is it okay if my paypel is not verified? I dont have any credit card. But I've already link my BPI Express Teller in Paypal. Thanks

    • writerjj profile image

      writerjj 2 years ago

      Hi Sannylyn,

      Paypal to BPI normally takes 3 days. Also, there is a 150 processing fee on top of Paypal's fee when you withdraw below 7k.

      Hi Juian,

      Glad you found it useful :) Compliment are very much appreciated :)

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      Juian 2 years ago

      Goodness this is what I have been looking for. I have known Paypal for years but hesitant about having one but came just few weeks I was compelled to use it to claim some freelance service fees, and for newbie users like me you just caught all the questions in mind on point. Thank you. Very big help.

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      Sannylyn 2 years ago

      Hi. My original bank for Paypal is Land Bank of the Philipiines but I also listed my BPI express teller card. I need to get my money the soonest so I would like to ask, how long does it takes to get the money from Paypal to BPI? Or which is sooner, LBP or BPI?

      Thank you so much fro your help

    • writerjj profile image

      writerjj 2 years ago

      Hi Lorraine,

      Apologies for the late reply. Have you received it already?

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      Lorraine 2 years ago


      Its been more than a week now since I transferred money from paypal to bpi and im still not credited. I'm still not verified. Is that the reason why i didnt get credited to my bank account? I have one more pending transfer. please help

    • writerjj profile image

      writerjj 2 years ago

      Hi Alden Montana,

      If the savings account you specified is a passbook account, you can withdraw it over the counter (teller). However, if your bank account comes with an ATM card, you could get your withdrawn Paypal funds in an ATM machine.

      Hi Anonymous,

      Afaik, If you are a supplementary credit card holder, the code that Paypal will send will appear on the billing statement of the principal card holder

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      Anonymous 2 years ago

      Can you register a joint account in Paypal? (Even if I am only the Supplementary?)

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      Alden Montana 2 years ago


      Im just really wondering on how to withdraw my funds in paypal. Like for example i'm done withdrawing my funds to the PayPal Withdraw button by the way i choose "Withdraw funds to your bank account". Now my question is where do i withdraw my funds? Do i need to go to the teller and withdraw in manually or i can withdraw the funds directly to any ATM Machines? Thanks in advance!