OLX

Friday, April 26, 2013

BPI Easy Saver - Savings Account without Maintaining Balance

Finally! I was able to apply for BPI Easy Saver savings account. I got mine in Tutuban Center, they have a booth near Otto and Baliwag. I was convinced to get one since it has no maintaining balance and also served as a savings account. Meaning your money can earn an interest with just a low initial deposit. 

Requirements:
  • One (1) valid ID
  • PhP 200 initial deposit
  • PhP 50 Express Teller Card fee
  • Completely filled-out application form
  • 1" x 1" ID picture
Pros:
  • Low initial deposit
  • No maintaining balance
  • Few documentary requirements, just a valid ID and ID picture
  • Served as a savings account and can also be registered in BPI Express Online, Mobile Banking and Telephone Banking
  • You can get your ATM card same day that you applied for it
  • Convenient, you can withdraw from any BPI ATM
Cons:
  • Withdrawal  fee of PhP 5 when you withraw money from any BPI ATM + additional charge when you withdraw from other bank's ATM
  • Withdrawal fee of PhP 100 when you withdraw money over-the-counter 
Other Details:
  • Daily ATM Withdrawal Limit: PhP 20,000
  • No. of ATM Withdrawals: 6
  • Daily EPS Purchase Limit: PhP 100,000
  • Cut-off time is 10PM daily. All transactions after 10PM are considered transactions of the following day. Also, please note that transactions done during weekends and holidays are posted in your bank statement the next business day.    
 
 


92 comments:

  1. hi! isang ID nalang pala need. hehe. pwde ka ung postal ID? thanks! mag apply din kasi ako ng account ko.

    ReplyDelete
    Replies
    1. Hello! Sorry for the late response. Yes I think pwede ang postal ID since it is considered as one of the valid IDs. Ako kasi I used my UMID. God bless!. Happy investing! :)

      Delete
    2. school id pwd magaaply din po kasi ako ee




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    3. Hi Patrick! Yes pwede ang School ID basta with signature ng principal or head of your school.

      Delete
  2. isa lng po b tlga ., nid n id ,., kc alam ko po 2 valid id daw eh .,., nid ko din kc mgpa open account

    ReplyDelete
    Replies
    1. Yung saken kc sir isang ID lang ang hiningi. And as I've said po sa blog, nag-apply ako dun lang sa isang booth sa Tutuban Mall hindi dun sa mismong BPI branch sa Tutuban. Sakto kc napadaan ako then nakita kong merong nag-aalok ng BPI easy saver dun sa isang booth, saying na 1 valid ID lang ang need kaya nag-fill out agad ako ng application form. Maganda po siguro try nyo na lang din visit sa BPI branch near you para makasiguro. Yung contents po ng blog is based on my own experience only.

      Delete
    2. My boyfriend opened his BPI easy saver sa branch mismo and he was asked to provide photocopies of 2 valid IDs, 1" x 1" ID pic and photocpy of proof of billing address. Ayun po, so if sa branch kayo mag-open 2 valid IDs talaga.

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    3. Ano po ba ang billing statement? and may nakalagay kasi po sa mga requirements na may inititial deposit? tama po ba yun?

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    4. Hi Patrick, sorry for the very late response.
      Proof of billing address - any utility bill that has your name and address on it. Just so they can verify that the address is existing.

      Initial deposit - yes it is needed, just like when you're opening an account with other banks

      Delete
    5. Paano po kapag walang proof of billing na latest lahat po is luma.? Pewede po ba un?

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    6. Pwede po ba ang nbi o kaya baranngay cleaarnce o kaya po ay postal Id? Or baranggay id po na laminated or cedula?

      Delete
  3. 6 withrawals lng b tlga? pag natapos mu 6 sa counter na 100 per withdrawal..?

    ReplyDelete
    Replies
    1. Hi Michelle! 6 ATM withdrawal limit is per day. Meaning if you've reached 6 ATM withdrawal na today, hanggang dun lang. But the following day pwede ka pa rin magwithdraw via BPI ATM.

      Delete
  4. This comment has been removed by the author.

    ReplyDelete
    Replies
    1. Hi Jaeronne Kaye! =) You mean office work ba? Usually di ba employer ang nagpo-provide ng payroll account? But anyways, I think you can use this since it is a savings account. Pwede rin magdeposit yung ibang tao sa account mo. Ako kasi I have an online shop and I use mine as one of the MoP (mode of payments). My clients pay their orders theu my BPI easy saver account. And what's good with BPI is that they don't have inter-branch charge unlike other banks.

      Delete
  5. mkakapagtransfer po ba ako ng pera from my paypal account to this bpi easy saver?I need to know kasi para ito nlang maaplyan ko...

    ReplyDelete
    Replies
    1. Hi Rose Ann! Honestly, I have no idea if it can be linked to your paypal account. What I'm sure of is that EON card from Union Bank can be linked to your paypal account just so you can withdraw your earnings.

      Delete
  6. HI I ALREADY HAVE AN ACCOUNT FOR EASY SAVER CAN I HAVE 2 EASY SAVER ACCOUNT SAME NAME??/TNX

    ReplyDelete
    Replies
    1. Hi Faye! I don't think so but it would be better if you'll ask BPI regarding that matter. And if ever bakit po magoopen ulit kayo if same lang din ng account? Ang alam ko po pwedeng may regular savings account (with maintaining balance) and easy saver account. Pero yung parehong easy saver account under same name, di po ako sure.

      Delete
    2. Hello again Faye, I've just received an info from a BPI representative that you may open more than one (1) easy saver account under your name upon the approval of the branch personnel.

      Delete
  7. Attention:

    Meron aqong bpi easy saver card, dalawa.. mgagamit ko ba for transfering of funds sa ibang bank?
    And 20,000 ba tlga ang maximum na pwedeng maging laman ng bpi easy saver card?
    plz answer..

    ReplyDelete
    Replies
    1. Hi Sheen? So you have 2 easy saver account? So pwede pala yun. Ms. Faye Palisoc is asking kc. I haven't tried transferring funds to other bank (thru online banking kc from what I know for same banks lang yun eh. Yung saken more than 20k na yung laman so pwede naman kahit more than that. 20k is the daily atm withdrawal limit and not the limit sa kung magkano yung pwedeng maging laman ng card.

      Delete
  8. Hi question po ma clo closed po ba yung account mo eg. Bpi easy saver if wla na xa laman and then hindi na rin xa ako naka pag deposit dun for almost 6 months na?pls answer me

    ReplyDelete
    Replies
    1. Your BPI easy saver account will be considered dormant if it doesn't have any client-initiated transaction in two years.

      Delete
  9. hello po.. magkano po ba ang pwede ma withdraw ? example you have two thuosand pesos tapos 500 lang e withdraw ..pwede lang po ba?..

    ReplyDelete
    Replies
    1. Hi Gemma! Yes pwedeng pwede mam because minimum withdrawal amount is P500.

      Delete
  10. ah if mag open k po from now pwede na rin po na dagdagan ng laman initial deposit ng atm card

    ReplyDelete
    Replies
    1. Hi Leonard! The minimum initial deposit is P200. So if you want na more than P200 and initial deposit mo sa card, pwedeng pwede yun sir.

      Delete
  11. actually gusto kong mag-apply for BPI Easy Savers, pumunta ako before sa isang branch sa Caloocan then hiningan ako ng ID. Isa lang pala pag PRIMARY [such as Gov. IDs] then dalawa daw pag SECONDARY na. Then sa isang PureGold Branch sa Caloocan din, may nag-offer din na mag-open ng account for BPI Easy Saver. Sayang nga lang wala akong dalang requirements that time :[ . Pag naging successful yung pag-oopen ko ng account, i hope ok lang na kahit 100 lang ang iwi- withdraw ko.

    ReplyDelete
    Replies
    1. Hello there! I'm sorry to say but the minimum amount that you can withdraw is P500.

      Delete
  12. Good day! For reference here's the list of accepted IDs when opening an account with BPI:

    Atleast one (1) of the following Primary IDs:
    - Passport including those issued by foreign governments
    - Driver's license
    - SSS ID
    - PRC ID
    - GSIS e-Card
    - OWWA ID
    - OFW ID
    - Seaman's book
    - Alien Certification of Registration / Immigrant Certificate of Registration
    - Gowernment Office and GOCC ID (e.g. AFP, HDMF IDs)
    - Integrated Bar of the Philippines (IBP) ID
    - Company IDs issued by private entities or institutions registered with or supervised/regulated either by the BSP SEC or Insurance Commission
    - IDs issued by an official foreign authority (e.g. foreign passport, foreign driver's license, etc.)
    - For Students: School ID duly signed by the principal or head of school

    Or any two (2) of the following Secondary IDs:
    - NBI clearance
    - Police Clearance
    - Postal ID
    - Voter's ID
    - TIN
    - Barangay Certification
    - Senior Citizen Card
    - DSWD Certification
    - Certification from the National Council for the Welfare of Disabled Persons

    ReplyDelete
    Replies
    1. Hi Jeffjoy, kindly read the post above for the list of acceptable IDs. I've listed them already for reference.

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    2. Hi Twixie. Is the list up to date? Coz I browsed their website and the first list is the only acceptable ID lists. Please give me some clarification. That's why I can't get a BPI account yet coz I don't have any among the first list. But I haven't checked with any branch yet. I hope this is updated. :) Thanks!

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    3. Hello Karla! I got the list from their FB page. You can submit atleast one those listed under primary IDs OR submit any 2 of those under secondary IDs.

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    4. Pwede po bang 2 valid ids lang po ang requirements ko if mag oopen po ako ng account ng easy savers account wala po kasi akong proof of billing na kahit ano.

      Delete
  13. hello, ask ko lang po if anong oras po ulit pwedeng mag-withraw the next day kapag umabot ka na sa max limit withrawal?

    ReplyDelete
  14. How much yung interest ng1k per mos?thanks

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  15. pwede ba to if you shop sa sm megamall etc? swipe ko lang yung card kong easy saver para pang bayad? please help.

    ReplyDelete
    Replies
    1. Hi Julian! As far as I know, you can use it basta accepted ang Visa. Pero meron syang charge/fee everytime gagamitin mo for that purpose.

      Delete
  16. dito po ako la union ok lang po ba 1 id?

    ReplyDelete
    Replies
    1. I've already posted the list of accepted IDs last February 26, 2014 at 1:17 PM, pakibasa na lang po

      Delete
  17. i lost my atm bpi atm card. pwede ko ba ito i-pa replace any bpi outlet? o dun lang dapat sa outlet na kimuhaan ko??

    ReplyDelete
  18. Replies
    1. Super sorry, I haven't logged in to this account for a long time.

      Yes, you can deposit even 100+ only

      Delete
  19. hi pwede po mgdeposit ng check s bpi easy savers account? please reply immediately..

    ReplyDelete
    Replies
    1. Super sorry, I haven't logged in to this account for a long time.

      I haven't tried that. You may contact BPI for verification.
      Thank you for dropping by!

      Delete
  20. Magkano yung limit na laman ng easy saver? as more as we can b to? or may maximum limit na savings.. thanks a lot :)

    ReplyDelete
  21. Hello. Yung application form ba doon na yun makukuha sa BPI office mismo? or saan pwede maka download? thanks

    ReplyDelete
  22. pano po ang process ng pagddeposit?? thank you po ..

    ReplyDelete
  23. hi twixie. if im from makati and apply in quezon province and my ids are addressed in makati, will they accept it? my ids are government issued like bir id and sss and passport.
    thanks.

    ReplyDelete
    Replies
    1. Kapag po nagwithdraw how much po pinakamababa na pwede iwithdraw?

      Delete
    2. Super sorry, I haven't logged in to this account for a long time.

      Hi Leslie, minimum amount that you can withdraw is PhP 500.
      Thank you for dropping by!

      Delete
  24. Ask ko lang po if supported ba ang bpi easy saver ng either one of these: visa, mastercard, american express, discover, jcb? Gusto ko kasi sana magpurchase online using my bpi easy saver, possible po ba ito? pinapatanong po pala sakin yung cvc?

    ReplyDelete
    Replies
    1. Super sorry, I haven't logged in to this account for a long time.

      Yes you can use it to purchase online as long as they are accepting Visa cards.
      Thank you for dropping by!

      Delete
  25. Replies
    1. Super sorry, I haven't logged in to this account for a long time.

      Minimum amount that you can withdraw is PhP 500.
      Thank you for dropping by!

      Delete
  26. No. of ATM Withdrawals: 6

    is it monthly?

    kindly reply. thank you!

    ReplyDelete
  27. What do you mean po dito? Bat ang laki? "
    Withdrawal fee of PhP 100 when you withdraw money over-the-counter "

    ReplyDelete
    Replies
    1. Hi Arnel! Thanks for dropping by. Everytime you will withdraw money from your account there will be charges. For ATM or Fund Transfer using your mobile phone, charge is 5 pesos. If you will withdraw money from your account over-the-counter, charge is 100 pesos.

      You may go to any BPI branches for more details.

      Delete
    2. except if the atm machine is out of order or naubusan ng fund. na-try ko na kasi wala lumalabas na 100 kaya pumasok ako sa loob ng BPI.

      Delete
  28. Hello. Pwede na ba magwithdraw over the counter kahit 3rd day palang after openning ng new account ko ? Next week ko pa kasi makukuha atm card ko eh. Need the money asap na kasi

    ReplyDelete
    Replies
    1. Hi Ryza, I believe you can withdraw money over the counter. For any other inquiries, you may contact BPI or visit BPI branch near you. Thanks!

      Delete
  29. The best thing I like about BPI Easy Saver is that it does not have a maintaining balance. Banks fee for failing to maintain minimum monthly balance are often times high.

    ReplyDelete
  30. Hi.. i would like to know if im going to apply for the bpi easy saver account, need pb xa imerge sa employer ko since im working n? Or pede aq mag-apply ng ndi n need imerge? Salamat. :)

    ReplyDelete
    Replies
    1. Hi, if you will be using it for personal savings, no need to merge it with your payroll account.

      Delete
  31. Hanggang anong age po sya pwede? Pwede ba sya for 15 years old? Tnx :)

    ReplyDelete
    Replies
    1. Hi Jirah, I believe you can as long as you can provide your school ID.

      Delete
  32. hello po. balak ko po kasi mag open ng online shop. ask ko lang po sana kung pwede po ba mag deposit or mag bayad sa easy saver account ang client ko para dun nalang sila mag sesend ng payment. thanks po

    ReplyDelete
  33. Hi pwede dn po ba ko magdeposit sa BPI at BPI express? bpi family po yung account ko.

    ReplyDelete
  34. Okay lang ba na ibang tao magdeposit sa easy saver account ko?

    ReplyDelete
    Replies
    1. Yes, pwede po. Same as regular bank account din naman po ito eh kaya pwede magdeposit ang ibang tao sa account nyo. Thanks

      Delete
  35. magkano ang minimum withdrawal amount? 500?

    ReplyDelete
  36. Ask ko lang.. May bayad po ba pag nag balance inquiry lang thru mobile?

    ReplyDelete
  37. Ask ko lang.. May bayad po ba pag nag balance inquiry lang thru mobile?

    ReplyDelete
  38. hi pag 2 years after na wala kang transaction dina ba makapagtransact sa ATM? 2 years na kasi inactive account ko then im planning to use it again so I made an inquiry in the ATM and it said that I have 19 balance..ano po bang proof na dormant na ang account mo?

    ReplyDelete
  39. Ask ko lng po if magkano ang limit sa card nga pwde ma save na pera sa loob. .aabot kaya sa 300,000 yung pwde ma save?

    Thank n advance

    ReplyDelete
  40. Hi po,kahit san po ba ng bpi branch pwede mag deposit sa bpi easy saver

    ReplyDelete
  41. Hi po,kahit san po ba ng bpi branch pwede mag deposit sa bpi easy saver

    ReplyDelete
  42. Hello! Ask ko lang po if pwedeng mag withdraw ng may butal?(200) Let's just say 1500 yung laman, tapos po 1200 lang iwiwithdraw,possible po ba yun?

    ReplyDelete
  43. Hello po. Pwedi po bang mag withdaraw ng 1200.00?

    ReplyDelete
  44. Ano bang card ng BPI ang walang charge na 5 pesos? Kapag sa BPI atm naman nagwithdraw. Saka, ano mas maganda? Easy saver o E-prepaid para sa purchases sa paypal?

    ReplyDelete
  45. Paano ko po malalaman cvc number ng easy savers account ko, thank you po :)

    ReplyDelete
  46. Hi po... 20.000 lang po ba ang minimum a day ang pwde e withdraw sa Bpi atm card?

    ReplyDelete
  47. Ano pong difference ng easy saver at kaya savings? Or iisa lang po ba ito?

    ReplyDelete
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  49. ilang months po expiration ng account pg d n nlgyan ng laman?

    ReplyDelete
  50. San po kaya may BPI na naka booth para madaling mag open ng account

    ReplyDelete
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