Now for BPI online's limitations...
- Bank to bank transactions are not allowed
- One needs to go to an actual BPI branch (which diminishes its being virtual or online) to enroll another BPI account for BPI to BPI transfer.
- BPI to credit card transfer is not permitted, unless (I think) the card is issued by BPI.
Nonetheless, I've been very satisfied with my 3 years' online banking experience with BPI, especially the promptness (less than 2 working days, in fact) of my Paypal to BPI transfer. And since I'm practically a "slave" to online transactions (I am a homebased worker living far from the amenities of urbane living) I also opened an EON card with UnionBank to take care of my other online banking requirements.