The following service fees apply for fund transfer via InstaPay:
Via Chinabank Mobile – P10.00 per transaction
Via Chinabank Online – P15.00 per transaction
Fund transfer via PesoNet has a service fee of P20.00 per transaction.
Own China Bank Account
Transaction Limit: P1,000,000.00
Daily Limit: None
Other China Bank Account
Transaction Limit: P150,000
Daily Limit: P150,000
Other Banks via InstaPay
Transaction Limit: P50,000
Daily Limit: P250,000
Other Banks via PESONet
Transaction Limit: P100,000
Daily Limit: P250,000
There is no cut-off time for transferring funds via InstaPay. PESONet, on the other hand, has a cut-off time of 4:00PM. All PESONet transfers made after the cut-off time will be credited on the next banking day.
Yes, you may schedule a fund transfer transaction to a future date. Simply follow these steps:
- Go to “Pay or transfer” from the post-login menu
- Select a “To Other”, then select your payee
- Fill out the necessary details
- Tap on the calendar icon to change the date of your transaction then tap “Confirm”
- Enter the One-Time Password (OTP) sent to your registered mobile number
A confirmation message will be displayed. The funds will be transferred to the payee on the date you have set.
Note: If you want this transaction to be repeated, check the “Recurring” box, and select the frequency. On the “Repeat” field, enter the number of times you want the transaction to be repeated.
No, this function is currently not available. However, you may transfer funds from your foreign currency account to your peso-denominated account by going to “Pay or Transfer”, select “To Me”, then select “Forex Sale”. Please note that exchange rates will be applied.
- Select "Pay or Transfer" from the post-login menu
- Select "To Other" and swipe to the left to view action to be done to selected payee
- Tap Edit to edit your Payee's nickname and click Next
A confirmation of the successful edit will be displayed.
- Select "Pay or Transfer" from the post-login menu
- Select "To Other" and swipe to the left to view action to be done to selected Payee
- Select Remove and tap OK
A confirmation of the successful removal will be displayed.
Yes, each joint accountholder can choose to link his/her own email address/mobile number to the same joint account, if both accountholders are existing users of the app.
Yes, to change the email address/mobile number, simply follow these steps:
- Go to “Account Services” from the post-login menu and tap “Real Time Payment”
- Select “Modify” and enter the new email address/mobile number you want to be linked to your account.
- Tap “Confirm” and enter the One-Time Password (OTP) sent to your registered mobile number.
A confirmation message will be displayed.
If you want to change the account number linked to your email address or mobile number, tap on “Delete” and register again.
- AllBank Inc.
- Asia United Bank Corporation
- BDO Unibank, Inc.
- Bangko Mabuhay, Inc.
- Bank of Commerce
- BPI Direct BanKO, Inc
- BDO Network Bank, Inc.
- BPI/BPI Family Savings Bank
- Camalig Bank, Inc.
- Card Bank, Inc.
- Cebuana Lhuillier Rural Bank, Inc.
- China Bank Savings
- CTBC Bank
- DCPay Philippines, Inc. (Coins.Ph)
- Development Bank of the Philippines
- Dumaguete City Development Bank
- Dungganon Bank Inc.
- Eastwest Bank
- Eastwest Rural Bank / KOMO
- Equicom Savings Bank, Inc.
- ING Bank N.V.
- ISLA Bank, Inc.
- Land Bank of the Philippines
- Malayan Savings Bank, Inc.
- Maybank Philippines, Inc.
- Metropolitan Bank and Trust Company (Metrobank)
- Mindanao Consolidated Cooperative Bank
- Omnipay, Inc.
- Partner Rural Bank (Cotabato), Inc.
- Philippine Bank of Communications (PBCOM)
- Philippine Business Bank, Inc. (PBB)
- Philippine National Bank (PNB)
- Philippine Veterans Bank
- Philippine Trust Company (Philtrust)
- Philippine Savings Bank (PSBank)
- Queen City Development Bank, Inc.
- Quezon Capital Rural Bank, Inc.
- Rang-Ay Bank, Inc.*
- RCBC / Diskartech
- Robinsons Bank
- Security Bank Corporation
- Sterling Bank of Asia
- Sun Savings Bank, Inc.
- Tonik Digital Bank, Inc.*
- United Coco Planters Bank (UCPB)
- UCPB Savings Bank
- Union Bank
- USSC Money Services
- Wealth Development Bank Corporation
*PESONet only
- China Banking Corporation
- China Bank Savings, Inc.
- AllBank, Inc.
- Asia United Bank Corporation
- Bank of the Philippine Islands / BPI Family
- BDO Unibank, Inc.
- Card Bank, Inc.
- DCPay Philippines, Inc.
- Land Bank of the Philippines
- Maybank Philippines, Inc.
- Metropolitan Bank and Trust Company
- Philippine Savings Bank
- Queen City Development Bank, Inc.
- Rizal Commercial Banking Corporation
- Robinsons Bank Corporation
- Rural Bank of Guinobatan, Inc.
- Starpay Corporation
- Sterling Bank of Asia, Inc.
- Union Bank of the Philippine
- PayMaya Philippines, Inc.
- Philippine National Bank
If the amount was transferred to a valid account number, the transaction is considered final and irreversible. To ensure a worry-free transaction, make sure to double-check the account details from your payee.
