PESONet cut-off times by bank and when your transfer arrives
| Bank | Same-day cut-off | PESONet fee, individuals |
|---|---|---|
| BDO | 3:00 PM | Free from July 9, 2026 |
| BPI | 4:00 PM | Free from July 1, 2026 |
| UnionBank | 3:00 PM | Free |
Find your bank, e-wallet or code
How money moves in the Philippines: fees, limits, cut-off times and bank codes, each from its official source.
Your bank
InstaPay and PESONet transfer fees: every bank and e-wallet (2026)
See the full tableKey tables
GCash fees in 2026: cash in, cash out, send and bank transfer
| Channel | Fee |
|---|---|
| Over-the-counter partners, GCash’s own fee | Free, then 2% |
| 7-Eleven, charged on top of GCash’s fee | 1% |
| GCash Pera Outlet (sari-sari store) | 1% suggested |
Philippine bank SWIFT and BRSTN codes: the full list
| Bank or wallet | SWIFT/BIC | BRSTN |
|---|---|---|
| BDO | BNORPHMM | 010530667 |
| BPI | BOPIPHMM or BOPIPHMMXXX | 010040018 |
| Metrobank | MBTCPHMM or MBTCPHMMXXX | 010269996 |
Maintaining balance by bank: every Philippine bank's minimum and below-balance fee
| Bank | Initial deposit | Maintaining balance (ADB) | Below-balance fee |
|---|---|---|---|
| BDO | ₱2,000 | ₱2,000 | ₱300 a month |
| BPI | ₱3,000 | ₱3,000 | ₱300 a month (2020 advisory) |
| Metrobank | ₱2,000 | ₱2,000 |
The latest changes
View all- PNB PESONet holiday on November 2 in the Philippines: transfers after 3 PM October 30 process November 3
PNB says PESONet transfers after 3 PM on October 30 through November 2 will process on November 3.
- BPI and Metrobank maintenance: InstaPay and apps down October 23–25
BPI and Metrobank digital channels and InstaPay available as usual.both banks have scheduled maintenance that pauses InstaPay and their apps in set windows. - UNO Digital Bank maintenance: what UNO and the BSP say
UNO’s digital banking services ran normally.after unscheduled maintenance from October 11, UNO says the app is accessible and its other services are being restored; the BSP has an inquiry under way. - August 2026 OFW remittances: cash up 1.9% to US$3.035 billion
Cash remittances rose 1.9% to US$3.035 billion in August 2026, for a January to August total of US$23.424 billion.
- Metrobank maintenance cancelled: ATMs up October 12–13
Metrobank’s ATMs, CAMs, WDMs and its Prime Debit, Prepaid and Paycard cards were to go offline from 10:00 PM PHT on October 12 to 4:00 AM PHT on October 13, 2026.the maintenance is cancelled and all Metrobank banking services run without interruption.