Personal Finance Money transfer

How to transfer money from BPI to GoTyme: Step-by-step guide

Nicholas Chia
Nicholas Chia
05.09.25
Read time 3 minutes

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If you hold an account with BPI¹ and need to move money to a GoTyme² account instead, you’ll need to either link your BPI and GoTyme accounts, or set up a transfer from BPI to be received into GoTyme.

If you hold an account with BPI¹ and need to move money to a GoTyme² account, you can do this by linking your accounts or initiating a transfer from BPI to GoTyme. If you don’t yet have a BPI account, you can learn more about how to open a BPI account.

This guide walks through how to transfer money from BPI to GoTyme including the limits, fees and delivery time to know about.

Table of contents

Can I transfer money from BPI to GoTyme

Yes. You can transfer money from BPI to GoTyme in two different ways. You can either choose to link BPI and GoTyme, which allows you to initiate the payment from the GoTyme app, or you can log into your BPI digital banking service to start the payment from that side instead⁴. In either case the transfer of funds from B³PI to GoTyme happens through the InstaPay network, for almost instant credit in PHP.

There is a BPI to GoTyme transfer fee which can be imposed by both BPI and GoTyme, depending on how you use your account. We’ll look at this and the BPI transfer limits in just a moment.

BPI to GoTyme transfer time

When you send money from BPI to GoTyme it's processed through InstaPay for real time deposit⁵. This means it’s pretty much instant, and your money should be available for you in GoTyme right away, with service availability 24/7.

BPI to GoTyme transfer fee

BPI has a 10 PHP fee for InstaPay transfers to GoTyme. This fee is waived for BPI Preferred, BPI Gold, and BPI Private Banking clients.

On top of this you may also pay a GoTyme fee. GoTyme allows you to have 2 Fund In by Linked Account (FILA) transfers for free every month, and then charges you a 1% fee for your BPI transfers after that. GoTyme fees for different banks can vary.

BPI to GoTyme transfer limit

The BPI to GoTyme transfer limit may depend on your status as a BPI customer. Here’s a summary:

  • BPI per transfer limit: 50,000 PHP
  • BPI daily transfer limit: 250,000 PHP, or 500,000 PHP for BPI Preferred, BPI Gold, and BPI Private Banking clients

There’s no limit on the number of daily transfers you can make from a BPI account as long as the cumulative amount remains under the cap which applies to your specific account type. If a BPI to GoTyme transfer failed for you, it may be because you have exceeded a limit, or your account was not correctly set up.

If you receive money from abroad into your BPI account, you may also want to check how to receive money from overseas with BPI before transferring it onward.

How to transfer money from BPI to GoTyme

As we’ve seen, you can either initiate the transfer from BPI to GoTyme in the BPI app, or from GoTyme directly if you’ve linked your accounts together.

Here’s how to transfer money from BPI to GoTyme from the BPI website or app:

  1. Log in to the BPI banking app
  2. Select Transfer, then To another bank
  3. Enter GoTyme Bank as the recipient bank
  4. Input your GoTyme Bank account number and the transfer amount in PHP
  5. Use your BPI Mobile Key features to approve the transfer

Once the transfer is complete, your money will be deposited into your GoTyme account in real time.

If you're planning to use your BPI card for international spending instead, you can learn more about how to use a BPI card abroad.

How to link BPI to GoTyme?

As an alternative, you can link BPI and GoTyme which allows you to move your money to GoTyme from the GoTyme app. You might prefer this if you manage your money day to day with GoTyme as it will mean you don’t need to log into BPI to initiate the transfer.

Here’s how to link BPI to GoTyme in case this is the option you prefer:

  1. Log in to the GoTyme Bank app and tap Deposit
  2. Tap Link account / Online deposit and then BPI
  3. Enter the transfer amount then Next
  4. Tap Confirm and follow the prompts to enter your BPI banking information
  5. Enter the OTP you received, for security and verification
  6. Once the payment is processed it will be deposited instantly to your GoTyme account

Once you have linked your BPI and GoTyme accounts you will not need to repeat this process to make future transfers. You can repeat the same transfer, or select BPI as the account to fund your GoTyme account from, and then top up a different amount if you prefer.

If you're comparing different banking options, you can also review the requirements for specific products like the BPI OFW credit card.

Sources:

  1. BPI
  2. GoTyme
  3. GoTyme - link BPI
  4. GoTyme - receive deposits
  5. BPI transfers InstaPay

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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