BPI Depositors' Thread

[johnski_07]

haha, 24 hours naman hotline ng bpi. tawag nalang kayo during lean hours.

pero dapat iimprove nila ang customer service hotline nila... kase ang dami nilang clients and latey talagang mga 20 minutes bago ka makausap ng CSR... eastwest and bdo mabilis agad ang pagsagot ng CSR...

[deelaurente]

pero dapat iimprove nila ang customer service hotline nila... kase ang dami nilang clients and latey talagang mga 20 minutes bago ka makausap ng CSR... eastwest and bdo mabilis agad ang pagsagot ng CSR...

I agree, especially in the case of lost or stolen cards. Your card might already be used by someone else by the time you reach them. As far as I know they only reverse transactions made after you report your card as lost or stolen; everything else made before that you have to pay.

[muff_puff]

Hi Just want to ask how much should your minimum deposit be for you to be a preferred banking client? Thanks!

[KuyaDanny]

The official answer to me is a minimum ADB of P250,000. However, based on comments here from other BPI depositors, it appears that there is some leeway in implementing the qualification rules, depending on the branch's marketing and client retention goals.

[johnski_07]

The official answer to me is a minimum ADB of P250,000. However, based on comments here from other BPI depositors, it appears that there is some leeway in implementing the qualification rules, depending on the branch's marketing and client retention goals.

Dito sa bpi branch samin sa province kelangan at least P600,000 yung ADB mo...

[carlo_andrew]

Everytime the website updates napupunta sa iba ibang account ko *** deposits ko. Adik lang

[muff_puff]

Thanks for your replies Does it come with a checkbook already? Or

[deelaurente]

@muff_puff No, they're only offering the gold ATM card and gold credit card

[KuyaDanny]

BPI Preferred Banking is a type of relationship, not a type of account. If you open a checking account, you will get a checkbook, but you'll have to pay for it.

[john_pro]

The official answer to me is a minimum ADB of P250,000. However, based on comments here from other BPI depositors, it appears that there is some leeway in implementing the qualification rules, depending on the branch's marketing and client retention goals.

Yes you're right. It doesn't mean you have P250,000 with you, you're automatically be considered as a preferred client. It will really take some time for the bank to assess the customer if he or she can be tagged as preferred. Tagging a client on preferred status, the relationship manager should be able to cross sell other products and services the bank has to offer to that prospective client. Because the more preferred clients does the relationship manager has, the more pressure will be given to them by the senior management of the bank (more quota).

[grim_reaper1814]

My funds were frozen by BPI based on a mere complaint letter. Hello? Ang tang@ tang@ ng branch manager ko. Tapos pati yung branch manager ng complainant nag divulge ng info about my accounts. Violation of bank secrecy laws yan ha! Maghanda talaga sila.

[mxherr5]

Wow, is that possible? What was the nature of the complaint?

[mcxiand]

For savings account, for an amount lets say 2k-4k per month, which among the 3 should be the suggested bank to open an account?

Im leaning on bpi direct because of its higher interest and online facilities. Any advantage or dis advantage of bpi direct over the others? Does online banking accessible also to bpi and bpi fsb accounts?

[bier_trinker]

For savings account, for an amount lets say 2k-4k per month, which among the 3 should be the suggested bank to open an account?

Im leaning on bpi direct because of its higher interest and online facilities. Any advantage or dis advantage of bpi direct over the others? Does online banking accessible also to bpi and bpi fsb accounts?

Go for BPI Direct. They share the same ATMs and when you need to do something physically, you can transact at your elected BPI/BPI Family bank. So interest rates dictate that you choose BPI Direct. I rarely transact at a bank physically so my savings is on BPI direct.

[MichieMarie]

same po ba requirements ng bpi direct sa bpi easy saver to open an account?

[freelancer_babe]

same po ba requirements ng bpi direct sa bpi easy saver to open an account?

I opened a BPI direct savings account not long ago. Halos same ang requirements, only BPI direct allows you to correspond by email, then send those requirements through a nominated branch.

You'd save more using a BPI direct savings ATM account than getting BPI easy saver at real physical BPI banks. Maraming small charges ang BPI easy saver which could really add up especially if you use the account often. Yung BPI direct savings ATM account nila, P500 lang ang maintaining balance which is a lot lower than those in regular BPI or BPI Family banks (P3000 and P1000 respectively and minimum balances nila).

[osipmandelstam]

@freelancerbabe, I just opened my BPI Direct Savings Account a mere 2 weeks ago and filled up a form online. I just got my ATM Kit yesterday and quickly topped it up with a few cash. Parang nahihibang ako ngayon dahil masarap palang mag-ipon!

I had a BDO Savings Account din pero payroll. I enrolled both accounts online but I'll probably use my BDO account more often than BPI though my BPI will get most of my funds every payday because of its use as my primary savings account.

The guys at the SM North branch where I got my kit were helpful enough to provide me with information, how to start my account, activate it online, and how to deposit.

For someone like me who has a family to support back home (not my "own" family but my family, meaning mother, father siblings...) it's good to feel that you get these kinds of accounts. My family gets nearly 50% of my earnings every 15th!

Pinaghirapan mong kunin yung requirements and you get to top it up when you have the money. I hope I could put a few perks in it like ATM Withdrawal restrictions (na kung pwede balance inquiry lang ang gagawin mo at hindi ka pwedeng magwithdraw) or interbank transfers (from my BDO account to BPI and vice versa, though may wire transfers naman pero hassle kasi because of the fees.)

May tsansa bang mag-implement ng minimal fees online yung BPI or at least yung other banks for an interbank transfer? I don't really expect it in the near future though but I'm "banking" on it if you pardon the pun.

Though now, I feel happy getting this account. And then I see it in real time in my laptop. Suddenly, it feels good to save.

[freelancer_babe]

@osip...

buti ka pa mas mabilis sa iyo. mga one month bago ko nakuha ang kit ko sa nominated branch ko. siguro kasi taga probinsya ako. hehe.

pero tama ka, mas magiging madali kung sa BDO ka pa rin magba-bank, kasi nandoon ang income mo. hassle rin kasi ang maglipat ng pera papunta sa ibang bangko. sa BDO, gagawin mo na lang lahat ng fund transfer online.

sabagay, ok rin ang arrangement na magkaiba ang payroll bank mo at savings bank mo - mas magiging hassle pa mag-withdraw ng savings kung passbook pa yan. pero pwede ring iwan mo yung ATM card na nakalink sa savings mo sa bahay para di mo magastos - very effective sa akin ito.

with regards sa interbank transfers - kahit na hindi wire transfer ang arrangement (EFT usually) namamahalan pa rin ako sa charge. the usual practice ng banks is, may charge pareho ang sending at receiving banks. kung BPI ang receiving bank, mga P150 rin yan. Tapos iba pa ang charge ng BDO na sending bank, P200 ata. tapos hindi pa agad credited sa receiving bank real time - takes mga ilang days din bago pumasok sa account.

the only bank na walang charge sa sending at receiving ng funds sa ibang bank ay yung unionbank. so if you send funds from BDO to unionbank, sa BDO na sending bank ang may charge but you won't be charged by unionbank. if you receive funds coming from Unionbank to your BDO account, yung BDO lang ang magcha-charge.

kung gusto mong makaiwas sa sending at receiving fees, manual mong i-withdraw at i-transfer sa ibang banks. thousands or hundreds rin ang matitipid mo kung regular mo itong gagawin.

kaya ko nasabing hassle pag magkaibang banks, magastos at time consuming pa. sa case mo mas magiging convenient ang BDO kaysa BPI kasi doon ang payroll account mo.

[osipmandelstam]

^^ Yun nga lang, yung BDO sobrang dami ang tao kaya di ko kakayanin yung linya

BPI kasi is more friendly to its bankers na din. The branch of convenience in my end is nearer na din (kahit na BDO pa't SM North malapit lang, my bank of convenience is in Ayala Triangle.) Although I have to admit that BDO's online interface is colourful compared to BPI's.

[freelancer_babe]

^^ Yun nga lang, yung BDO sobrang dami ang tao kaya di ko kakayanin yung linya

BPI kasi is more friendly to its bankers na din. The branch of convenience in my end is nearer na din (kahit na BDO pa't SM North malapit lang, my bank of convenience is in Ayala Triangle.) Although I have to admit that BDO's online interface is colourful compared to BPI's.

Wala sa interface yan, hehe. The most important is that, everything works to your favor.

Another alternative I could think of is to open a checking account at BDO - same branch to where your payroll account was opened to avoid those small service charge fees. Do fund transfers via internet banking from your payroll account to your checking account.

Tapos write a check to yourself (as in pangalan mo), tapos deposit mo sa BPI account mo.

That way you do not need to always carry cash and make manual deposits sa human teller or ATMs. Pwede pa ata ang post-dated checks - check with BPI to be sure.

The only downside to this is that, checks take 3 banking days to clear.

I do this when I need to transfer funds from one bank to another without carrying the physical cash. Mas mura ito kaysa magtransfer ng funds via EFT.