Keeping track of your income and how you are spending your hard-earned money can seem daunting, but it really shouldn’t be! Thankfully, banking apps like that of BPI are helpful not just for safekeeping and growing your savings, but also ensuring quick, easy, and secure transactions. Manifest a better banking experience this 2024 with these four pro tips to maximize the BPI app and make it do more for you.

Always keep your BPI app up-to-date

The Bank of the Philippine Islands is continuously making improvements to its mobile app. By making sure you’re running the most up-to-date version, you can be assured that your money and info are safe because it only runs on secure devices – ones that run on iOS 14, Android 8, or higher and are NOT jailbroken, modified, or rooted.

For Android devices, make sure “Developer Options” is turned off in the device’s general settings. These restrictions help safeguard the BPI app from bad actors who might want to tamper with the security measures it has in place.

Register the device with your BPI-registered mobile SIM inserted

When you download the BPI app and log in for the first time, you will be prompted to register your device. This is another security feature that BPI has recently implemented. This further ensures that only you can access your BPI account.

💡Hot tips:

  • Before you start, make sure that your SIM has enough load to send at least 1 SMS and follow the step-by-step instructions on the app to register to device.
  • Data-only SIM cards are not capable of sending SMS so you can’t use these for device registration.
  • In case you want to use your BPI app on a device with a different mobile SIM or you no longer have access to your old number, you’ll need to change your registered mobile number first.

Just head to and enter your login details. When you see the “Send SMS OTP” prompt, click “Not your phone?” Enter the details of the BPI product you have and your mobile number, and activate your new number at the nearest BPI branch ATM.

  • Working abroad? You’ll need to update your registered mobile number to your current local SIM so you can register your device. You can phone a friend to update your mobile number toll-free! (As in your helpful BPI call center agent.)

Activate Mobile Key

Having Mobile Key turned on lets you authorize transactions quickly and securely. With Mobile Key, you skip the hassle of waiting for the OTP text, having to resend a new one when it takes too long to come in, and then copy-pasting in between apps. Who doesn’t want that?


Mobile Key also works as a second layer of security so BPI knows it’s really you trying to access your account. So when your device automatically updates apps, when you switch devices, or when you access BPI online via a web browser, BPI will ask for Mobile Key confirmation every time.

Enable “Push notifications” and “Transaction alerts and offers” in your app settings to successfully activate Mobile Key.

Pay straight from your BPI app

Did you know you can now skip the extra step of loading up or cashing in to your e-wallets and simply pay in stores straight with your BPI account? BPI’s pay via QR feature lets you scan any QR Ph code and complete your transaction in 4 easy steps. Simply open the app and the quick-access QR icon is already at the top right of the screen. Scan the QR, login to your account, and choose the account you’d like to pay from. Done!

Whether it’s for GCash, Maya, or other banks, as long as it has the QR Ph symbol in the middle, you can scan it with the BPI app. Try it out in one of thousands of stores nationwide that accept QR Ph payments!

Just a quick note: merchant QR Ph codes won’t incur a transaction fee. You’ll know it’s a merchant QR Ph when the top of the screen says “Pay merchant” after you scan the QR. If it says “Transfer to other banks” instead, this means this is a QR Ph for an individual account which may incur transfer fees, so keep an eye out.

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