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BPI Express Online: Detailed transaction history

Earlier this month, the Bank of the Philippine Islands (BPI) announced that users of its online banking facility will soon be able to see additional details of their transactions in their account history.

Today I logged in to my Express Online account and saw that BPI has already started implementing this. I’ve long waited for this one and even sent them last year a suggestion regarding this, so I’m glad they have finally adopted this.

BPI Express Online (EOL) now shows details of one’s transactions, such as account name and account number of recipients/senders of online fund transfers, branch where a deposit to your account was made, and BPI branch where an ATM withdrawal was made, among others.

These details are very handy for BPI account holders to double-check transactions in their account. I for instance do a lot of online fund transfers and I don’t always remember to whom and when I made a transaction.

Previously EOL’s transaction history barely provide any help, because only the date and transaction amount were shown. Now that account names and account numbers of funds transfer recipients are provided, I don’t have to guess anymore whether funds were sent to Mr. Benedict or to Ms. Lucia.

On its site, BPI also announced that details of one’s BPI auto and housing loan — including principal balance, remaining payment terms, last payment date, etc. — will soon be in EOL.

All I can say is kudos to BPI for these improvements in their online banking facility!

There still are some things, though, that I look forward to in BPI Express Online:

  • Ability to make fund transfers to another BPI account without having to pre-register that account in a BPI branch;
  • Easily send funds to accounts in other banks;
  • On-time delivery of email notice of activation/expiry of time deposits (Can you believe these email notices always arrive late, almost a month after the transaction was made?)

I’ve already sent them these suggestions before and I hope they will soon implement these new functions in their online banking website.

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25 thoughts on “BPI Express Online: Detailed transaction history”

  1. Ruth says:

    Yes, that feature is very helpful. I have had bad experiences in the Direct Time Deposit, too. The expiry notice comes after the fact!

  2. Felipe Tulen says:

    I don’t agree with your first suggestion, i.e. ability to make fund transfer to a third party account without having to pre-register in a BPI branch. I think that’s too much of a security risk.

  3. pinoymoneytalk says:

    @Ruth, I’ve notified BPI about that since last year but until now, time deposit email notifications still arrive late. Tsk, tsk.

    @Felipe, yup to each, his own. Probably it would be better if BPI can offer an option to activate/deactivate that function to its online users. The default can be the one existing right now. But for those who want to make an online third party transfer without the need to pre-register the account, they can request for that in their branch of account or via phone banking.

    I just don’t like the idea that I’m supposedly using an online banking facility and yet I can’t do everything online. I always have to go to my branch of account first. Equitable PCI and UnionBank’s online banking facility both have this feature so I think it’s possible for BPI to allow this too.

  4. Dennis says:

    I always visit this site but this is my first time to post a reply. Anyway, all your suggestions are already being implemented in banks here in Japan. Here, funds are transfered instantly (if you transfer funds before 3:00PM). They also have an option where when you input the bank name/branch & account #, the account name immediately appears. This is to make sure that you are transferring your fund to the intended recipient. You can also set your account to transfer a certain amount to a registered recipient at a specific date. And the best part is: you don’t even have to visit the bank to open an account and there’s no maintaining balance! The worst part: interest rate is very low!!!

  5. pinoymoneytalk says:

    True, I know those online banking functions are already being implemented in other countries. I think the Philippine online banking industry is still in its infancy and is learning bit by bit on how to improve this online service more. The key is to have an integrated banking system so that intra- and inter-bank transactions are made faster and costs are made cheaper. Unfortunately, Philippine banks seem to dislike the idea and are more into pursuing their own system rather than integrating theirs with other bank’s.

  6. Sue says:

    I use BPI expressonline for my own business, I recently had to make a bpi express cash card since the account is in my husbands name and he’s really mad whenever i keep his atm. I tried enrolling the cash card with the account and sent via courier the necessary documents. I received email that they were requesting my husband to drop by our branch which is in Divisoria(we live in Novaliches). My husband got so pissed off and answered the email angrily informing them that he almost always work 7 days a week, 6:45am till 11pm, and thank you very much for a very good service! Lo and behold, an apologetic email was received and the cash card was enrolled a day after! Ha ha ha!

    Sometimes kahit sundin mo na ang instructions nila, they tends to request so much pa din! Tinawag pang internet banking kung papupuntahin ka din sa branch mo! Buti sana kung like BDO na after office hours bukas pa rin.

  7. pinoymoneytalk says:

    ^ Exactly my concerns, Sue. It’s supposed to be “online” banking, so majority of the bank transactions should be possible without having to visit the bank. When I was staying in Korea, I only use my Korean bank’s online banking facility to do all of my banking transactions. I visited the bank very rarely (and that’s because I had to send overseas remittances and I can’t do it online because of the sending limit that banks impose).

  8. fe s. viola says:

    i would like to apply for bpi express online transaction. thank you

  9. pinoymoneytalk says:

    Hi Fe, you need to drop by your BPI branch of account and tell them you want to apply for BPI Express Online. They’ll know what to do.

    Or you can visit the BPI EOL website and do you your application there:

  10. gina c. alagon says:

    i want to know about my application for credit card my reference #.IRXAA

  11. Dennis says:

    I think Fe & Gina are not aware that this site is not affiliated to BPI or other banks. Please send your inquiries to your bank.

  12. Victor Buchan says:

    I am an OFW, I left my BPINOY card with my wife, because at times I send my remittance through this account. My wife made a withdrawal last Oct. 06, 2009, the time of transaction is 2;21 PM at SM Mega Mall ATM with the locator number 9000803. No cash was dispensed but the amount was deducted from the balance. My balance then was 91,555.42 and after the withdrawal it became 71,575.42. Before she made the withdrawal, the machine was closed and being attended to by BPI staffers and when they opened it my wife was the one next in line, and it was offered to her for usage. When no cash was dispensed, my wife is with her sister and they immediately called the attention of the guy manning the bpi booth and my sister talked to the bpi lady to check the machine, and the lady saw that it really did not dispensed cash and since the people in line saw the problem they refused to use the said terminal and later they put an offline sign on the machine. My wife asked the guy manning the bpi booth to log their complain but the guy refused to for reasons that my wife was not the owner of card but instead was given the number where we can place our complain, the contact number given was 632-8910-000. At that very same time, my wife called me up and relayed the problem, and I immediately called and complain and they gave me complain number 1-62784 0643.

    Since I am outside the country The customer service representative mentioned that since the case is that the ATM did not dispense my wife can just directly follow-up this complain. Then my wife called on 2-3 days after, again and was given another complain number 1-62901-3709 and was asked to call again after 2-3 days. After 3days she followed it up again and they said that cash was dispensed and she was given again complain number 1-6317 52217 to review the transaction, but again they said that the cash was dispensed. 20,000 is not a small amount, I have been working hard outside the country to earn for a living and we will not waste our time to persistently complain. We will not let this pass. I know that cash overage can be checked against the withdrawals made and the transaction entered in the machine. and the cash loaded in the terminal. If this will not be given attention, we will be opted to just close our savings account, current account and euro account with BPI.

  13. edwin says:

    all bpi savings account can be enrolled to bpiexpressonline,right?what is/are the difference/s between bpi direct savings,bpi and bpi family savings account?

  14. Earl Jerico Matito says:

    How do I see my latest transactions in the BPI EOL? Thanks!

  15. Regina Tolentino says:

    Be careful! BPI ATM is not safe.

    I went abroad (NZ) for a vacation. But because of my house monthly amortization under PagIBIG which can not be paid through online banking, I had to head back home to the Philippines sooner.

    With the thought that withdrawing money from the ATM machine which is located in the same building where the PagIBIG office would be the safest way to avoid pick pocketer and hold-dupers, I withdrew the money from the BPI Atrium branch.

    However, I was so surprised when after inputting 18,000 pesos the machine dispensed only 17,500.00. I counted it twice to be sure, but it was still lacking by 500 pesos. So I went right away to the customer service personnel. The staff had me file a complaint form,the processing took about 30 minutes, then I was told that the lacking amount will be debited back to my account in few days. To be sure, I also made a complaint through BPI phone hot line 89-100 and was given another reference number, same, I was requested to wait for 4 working days. Came Friday (today), four days after the ATM error happened, I phoned the hot line for follow-up just to be informed that BPI did not debited back the 500 because the machine tallied that it dispensed the right amount. How can they guarantee that the malfunctioning ATM have the correct record?

    I am so disappointed and angry that this has happened to me and it feels like I have been pick-pocketed in an electronic way.

    I told the customer service personnel that I am making a blog about this to warn the public.

    Where in the hell can I now safely keep money that even the bank is capable of corrupting from my personal account???

    I am now processing on closing my bank account with BPI though it is the least I want to do because it is convenient for me to pay my bills (electricity, phone, Internet and credit card) on line. But I got no choice, I can not trust BPI ATM anymore and I do not want having a pass book account with all the hassle of queue.

  16. hugebelle says:

    I would like to add up if where can I see the expiry date of the BPI debit card? Other atm card provide expiry date like BDO but I can’t locate the expiry date of BPI express teller. Pls advise.

    I’d like to ask…linking (bank account DEBIT CARD) BPI express teller to paypal, What option (between visa, mastercard and american express) will I opt to? I’m having problem linking my bank account with my paypal. Anyone please advise. Thanks

  17. Denice says:

    hi,do someone knows how to use fund transfer to BPI account?I ready enrolled the bpi express online.I’m new in this system ..because I’m trying it but the system always appearing “YOU HAVE NO OTHE ACCOUNT AVAILABLE FOR FUND TRANSFER”..I shopped online and I want to pay the item using this..can someone help??thank you in advanced

  18. Atashacarlos says:

    bakit  di q  makuha remining balance q s atm???san  nkhold ang pera q…

  19. John says:


  20. John says:


  21. Anonymous says:

    my god. please help me. I’m trying to use my debit card on an online merchant. But it really iritates me, ksi it’s asking for an expiration date for the card? eh duh? all i know is walang exp date ang debit. Credit card lng alam ko meron. damn… KAINIS!!!!

  22. Emmy says:

    will you be able to see the transfer on your account? For example someone is sending you money from europe and it will take days before you receive it, but once tmthe sender confirmed the transfer will you see it right away on your account or you’ll only see it after a few days of processing the transfer from europe to Philippines?

    1. James | says:

      Hi Emmy, you can only see it once the amount transferred has been credited to your account.

  23. Abe Santos says:

    What does CCSU code mean? This code was in 2 transactions in my checking account.

  24. Ellen Mae Delos Santos says:

    hello. How can i view or access mu TRANSACTION HISTORY on my savings account?

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