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BPI Preferred Banking ||| ARC Ayala Rewards Circle

n7610n7610 Member PEx Influencer ⭐⭐⭐
edited April 16 in Personal Investing and Money Management
How can I avail of such ATM card so I can use the preferred lane? Do I really need to be under Preferred Banking? Or pwede na pagmalaki ang deposit? Moreover, pag meron ka BPI Gold credit card can you also use the preferred lane for transactions such as cash deposits or sa Gold ATM cardholders lang talaga? Thanks.
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  • catherine anncatherine ann Member PEx Influencer ⭐⭐⭐
    Para ka maging preferred client ay may invitation letter galing sa BPI at present mo yun sa manager ng bank kung saan ka BPI branch nagdedeposit. Kailangan matagal ka ng depositor/client ng bank at may certain deposit ka para magqualified as preferred client na may gold ATM card.
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  • business_guybusiness_guy Member PEx Veteran ⭐⭐
    Yes, you must have an invitation from BPI for you to have a Gold ATM. Before sending you an invitation, you must pass many criterias such as you must have big placements with BPI, banking with them for many years and with no bad historical records, and etc. Gold ATM Card serves a lot to BPI customers, because you're entitled exclusivities. You'll be accomodated very well and with superior courtesy at any BPI branch. Gold Credit Card is not the same as Gold ATM Card. Gold ATM Card Holders are only allowed to access preferred banking lane. Gold Credit Cardholder can be granted even to mass market customers. So you really have to show your Gold ATM when transacting on preferred lane. Though BPI's preferred lane sometimes accomodate non-preferred customers, but if ever a preferred customer came in to branch, they can proceed to preferred lane counter immediately - puwedeng sumingit maski may nakapila, and todo greet pa ang teller maski sumingit. If sobrang haba ng pila sa preferred lane, preferred customers can transact any banking transactions sa low counter staffs....
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  • n7610n7610 Member PEx Influencer ⭐⭐⭐
    How much do you think is the MINIMUM deposit requirement?
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  • travelwithstyletravelwithstyle comment allez_vous?? PExer
    nung nakareceived ako ng invitation for gold atm card.. almost half million sa passbook and 6 digits sa atm (blue).. pero after a year ko pa bago kinuha :) layo kasi ng branch ko.

    hayyy sana ganun pa rin kalaki money ko.. may nakialam kasi tsk tsk.. pero gold pa rin atm card ko :)
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  • n7610n7610 Member PEx Influencer ⭐⭐⭐
    travelwithstyle wrote: »
    nung nakareceived ako ng invitation for gold atm card.. almost half million sa passbook and 6 digits sa atm (blue).. pero after a year ko pa bago kinuha :) layo kasi ng branch ko.

    hayyy sana ganun pa rin kalaki money ko.. may nakialam kasi tsk tsk.. pero gold pa rin atm card ko :)

    So does that mean na wala sa account TYPE yun basta malaki lang ang funds?

    and does it also mean na pagnabigyan ka na tapos after a certain time sobrang liit nalang pera mo eh sayo pa rin ang gold atm card and you will still remain a preferred banking client?
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  • business_guybusiness_guy Member PEx Veteran ⭐⭐
    n7610 wrote: »
    So does that mean na wala sa account TYPE yun basta malaki lang ang funds?

    and does it also mean na pagnabigyan ka na tapos after a certain time sobrang liit nalang pera mo eh sayo pa rin ang gold atm card and you will still remain a preferred banking client?

    No. If you are tagged as preferred, your account will be reviewed by your sales manager every now and then. Now, if your placement with the bank decreases dramatically and been at a low balance for a long time, you'll be tagged again as a mass market segment. You'll know if you're tagged again as a mass market - your sales manager won't call you at all and you won't be updated on bank's latest products and services. Usually, preferred clients are entitled to experience bank's latest products even before it's launching publicly....
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  • n7610n7610 Member PEx Influencer ⭐⭐⭐
    business_guy wrote: »
    No. If you are tagged as preferred, your account will be reviewed by your sales manager every now and then. Now, if your placement with the bank decreases dramatically and been at a low balance for a long time, you'll be tagged again as a mass market segment. You'll know if you're tagged again as a mass market - your sales manager won't call you at all and you won't be updated on bank's latest products and services. Usually, preferred clients are entitled to experience bank's latest products even before it's launching publicly....

    But you still get to keep the GOLD atm card right? which will still be very useful as there are many depositors in the branches.

    Yung 6-digit figure ba yung total amount sa portfolio mo? OR dapat every account type eh 6-digit? I plan kasi to open many account types pero below 100k per account. Pero the total sa portfolio will still be 6-digits. Do they include accounts from BPI Direct?

    Thanks!
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  • business_guybusiness_guy Member PEx Veteran ⭐⭐
    n7610 wrote: »
    But you still get to keep the GOLD atm card right? which will still be very useful as there are many depositors in the branches.

    Yung 6-digit figure ba yung total amount sa portfolio mo? OR dapat every account type eh 6-digit? I plan kasi to open many account types pero below 100k per account. Pero the total sa portfolio will still be 6-digits. Do they include accounts from BPI Direct?

    Thanks!

    I do not know if BPI Direct is also included. Preferred Client these days have at least seven digits and have been placed with the bank for many many years....
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  • KolmogorovKolmogorov Tzar PExer
    nakareceive ako ng inviation to be a preferred client, kaso by branch pala yun? Sa Cavite pa kasi yun eh nasa maynila na ako :(
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  • n7610n7610 Member PEx Influencer ⭐⭐⭐
    Kolmogorov wrote: »
    nakareceive ako ng inviation to be a preferred client, kaso by branch pala yun? Sa Cavite pa kasi yun eh nasa maynila na ako :(

    If you don't mind my asking... is your deposit with BPI a 6-digit or 7-digit figure? Or at least you can give an estimate amount. :D How many years is your account with them? Thanks!
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  • catherine anncatherine ann Member PEx Influencer ⭐⭐⭐
    Kolmogorov wrote: »
    nakareceive ako ng inviation to be a preferred client, kaso by branch pala yun? Sa Cavite pa kasi yun eh nasa maynila na ako :(

    Pwede mo naman kunin yung Gold ATM sa Cavite at pwede ng gamitin sa ibang branch ng BPI.
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  • business_guybusiness_guy Member PEx Veteran ⭐⭐
    Kolmogorov wrote: »
    nakareceive ako ng inviation to be a preferred client, kaso by branch pala yun? Sa Cavite pa kasi yun eh nasa maynila na ako :(

    BPI these days imposes 'Bank Anywhere.' you can do almost all your banking needs on any BPI Branch. You need not to go to your branch of account. Though you reside in Cavite, the sales manager who handles your account will still accomodate your banking needs....
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  • ichuo_mxichuo_mx Member PExer
    maganda sa bpi, no charges kung magdeposit ka here at ipadala mo there or anywhere in the phils, galing ng bpi.

    about gold atm, i'm a depositor (a atm cardholder) of bpi since i was in high school, therefore about 12 yrs, and mga 20,000 lang yung laman non, but they did sent me a letter for the conversion of my old card to gold atm.

    Hindi naman malaki pera ko sa kanila plus credit card.
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  • aspiringentrepraspiringentrepr Hedge Fund Analyst PEx Veteran ⭐⭐
    As far as I know, the latest minimum amount for a BPI Gold ATM card is 500K plus you need to be with them I think for the past 2 years.
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  • ichuo_mxichuo_mx Member PExer
    ^^ i dont think so, bakit naman sakin na halos 20k lang - 50k pero 10 yrs na atm ko.
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  • johnski_07johnski_07 Lakwatsero! PEx Influencer ⭐⭐⭐
    ichuo_mx wrote: »
    ^^ i dont think so, bakit naman sakin na halos 20k lang - 50k pero 10 yrs na atm ko.

    Aba maswerte ka kung ganun! nagkaroon ka ng bpi gold card with less than 100k balance?
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  • ichuo_mxichuo_mx Member PExer
    yes. pero gold card ako sa credit card at may auto loan ako sa kanila.
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  • jehzlaujehzlau Member PEx Rookie ⭐
    Pwede ka naman mag request sa branch of account u. :)

    Basta at least may 300k ka sa ATM account and hindi ka nag below ng 300k for more than a year, ma a approve request mo for a Gold ATM card. :)

    I have a cousin kasi na nag apply for BPI Gold ATM and na approve siya. I have also confirmed this with a BPI representative by e-mailing [email protected]. They told me that you can apply to your branch of account and request for a BPI ATM Gold Card.

    ^_^
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  • metropolitanmetropolitan the truth hurts, does it? PEx Influencer ⭐⭐⭐
    its just a color of the ATM card.

    kung ayaw ninyo ng pila do most of your banking online.

    if you absolutely have lots of branch transactions every week just move to another branch that is not as busy as the one you frequent.
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  • jehzlaujehzlau Member PEx Rookie ⭐
    metropolitan wrote: »
    its just a color of the ATM card.

    kung ayaw ninyo ng pila do most of your banking online.

    if you absolutely have lots of branch transactions every week just move to another branch that is not as busy as the one you frequent.

    I agree. :D Mas ok pa yung Blue para hindi halatang marami kang pera. Hehehe. Ako I usually do banking online, kaya no nid na pumunta ng bank at pumila. :rotflmao:
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