You can open a BPI savings account online through the BPI website or the BPI mobile app without visiting a branch
BPI (Bank of the Philippine Islands) lets you start a savings account from your phone or computer. The process takes about 10 to 15 minutes if you have the right documents ready. You will need a valid government-issued ID, proof of address, and a way to verify your identity through video call or in-person confirmation at a BPI branch, depending on which account type you choose.
The exact steps and requirements depend on whether you are opening a basic savings account or a premium account, and whether you already have a BPI account. Some account types can be fully completed online; others require a final step at a branch or through a video call with a BPI representative.
Key Takeaways
- BPI offers online account opening through its website and mobile app, but most accounts require identity verification through video call or in-person visit to complete the process.
- You will need a valid government ID, proof of address, and a selfie with your ID to start the online application.
- The entire process from application to account activation typically takes one to three business days after verification is complete.
- If you already have a BPI account, opening a second savings account is faster and can sometimes be done entirely online.
What documents you need before you start
Gather these items before opening the online application. You will upload images or provide information from each one, so have them in front of you.
A valid government-issued ID is required. BPI accepts a Philippine passport, driver's license, national ID (PhilID), postal ID, or professional license. The ID must not be expired. You will photograph both the front and back sides.
A proof of address shows where you currently live. BPI accepts recent utility bills (water, electricity, internet), bank statements, government-issued documents with your address, or lease agreements. The document must be dated within the last three months. If you do not have one, you can use a barangay certification of residency.
You will also need a selfie holding your ID next to your face. This is used to verify that you are the person in the ID photo. Take it in good lighting and make sure your face and the ID are both clearly visible.
Opening an account through the BPI website
Go to the BPI website and look for the "Open an Account" or "Savings Account" section. Click on the account type you want — BPI Express Savings, BPI Savings, or another option. Read the terms and conditions, then click to begin the application.
Enter your personal information: full name, date of birth, mobile number, email address, and citizenship. BPI will ask whether you are an existing customer. If you already have a BPI account, the process moves faster because BPI already has some of your information on file.
Upload clear photos of your ID (front and back) and your proof of address. Then upload the selfie holding your ID. Make sure all documents are readable — blurry or cut-off photos will cause delays.
Review the information you entered. BPI will then send you a message or email with next steps. Most accounts require you to verify your identity through a video call with a BPI representative or to visit a BPI branch in person. The bank will tell you which option is available for your account type and location.
Opening an account through the BPI mobile app
Download the BPI mobile app from the Apple App Store or Google Play Store. Open the app and look for "Open an Account" or "New to BPI." Select the savings account type you want to open.
The app will walk you through the same steps as the website: entering your personal details, uploading your ID and proof of address, and taking a selfie with your ID. The app may use your phone's camera to guide you through the photo process, which can make it easier to get clear images.
After you submit your application through the app, BPI will contact you with instructions for identity verification. Some applicants can complete this through a video call directly in the app; others will be asked to visit a branch. The app will show you which branches are nearest to you.
What happens after you submit your application
BPI reviews your application within one business day. If your documents are clear and your information is complete, the bank will contact you by phone, email, or SMS to schedule your identity verification.
For video verification, a BPI representative will call you at the number you provided. You will need to show your ID and proof of address on camera and answer questions about your personal information. This call usually takes 5 to 10 minutes. Video verification is available during BPI's business hours, which are typically Monday through Friday, 8 a.m. to 5 p.m.
For in-person verification, you will visit a BPI branch with your original ID and proof of address. A branch officer will confirm your identity and complete your account setup. This can be done during regular branch hours, which vary by location but are usually Monday through Friday, 9 a.m. to 3 p.m., and Saturday mornings at some branches.
Once verification is complete, your account is activated. You will receive your account number by email or SMS. You can then log into the BPI mobile app or website to set up your PIN, link a debit card if one is being issued, and start using your account. The entire process from application to activation typically takes one to three business days.
Minimum opening balance and account fees
Different BPI savings accounts have different minimum opening balances. BPI Express Savings, for example, may have a lower or zero minimum opening balance for online applications, while other account types may require you to deposit a set amount when you open the account.
Check the account details on the BPI website before you apply to see what the minimum opening balance is for the account type you want. If you do not have that amount available immediately, you can deposit it after your account is activated, though some accounts may not be fully active until the minimum balance is met.
Monthly maintenance fees vary by account type. Some accounts have no monthly fee; others charge a small fee if your balance falls below a certain amount. BPI will show you the fee structure for each account type during the application process.
If your application is rejected or delayed
If BPI cannot verify your identity through the documents you submitted, the bank will contact you to ask for additional information or clearer photos. This is common if your ID photo is blurry, your proof of address is outdated, or your information does not match BPI's records.
If you do not hear from BPI within three business days of submitting your application, contact BPI customer service at 1-800-1-888-246 (BPI hotline) or visit a branch in person. Have your application reference number ready if BPI sent you one.
If you are rejected, BPI will explain why in a message or phone call. Common reasons include incomplete documents, identity verification failure, or information that does not match government records. You can reapply after fixing the issue, or you can visit a branch to open an account in person, which sometimes allows for more flexibility in the verification process.
Frequently Asked Questions
Do I need an existing BPI account to open a savings account online?
No. You can open your first BPI account online. However, if you already have a BPI account, the process is faster because BPI already has your information verified. Existing customers can sometimes open a second account entirely online without additional verification.
How long does it take to get my account number after I apply?
You will receive your account number within one to three business days after your identity is verified. If you complete video verification on the same day you apply, your account may be activated the next business day. In-person verification at a branch is usually completed immediately, and you can start using your account the same day.
Can I deposit money before my account is fully activated?
No. You must complete identity verification and receive your account number before you can make any deposits. Once your account is activated, you can deposit money through BPI ATMs, online transfer from another bank, or in person at a BPI branch.
What if I do not have a proof of address document?
You can use a barangay certification of residency instead. Visit your barangay hall and ask for a certification that confirms your current address. This document is free and can be issued the same day. Bring it with you if you need to complete in-person verification at a BPI branch.
Can I open a BPI savings account if I am not a Philippine citizen?
Yes, but requirements vary. Foreign nationals can open accounts, but you will need a valid passport and may need to provide additional documents such as a visa or work permit. Contact BPI directly or visit a branch to confirm what documents you need before you apply online.