zpeso Desk

The zpeso Desk is the byline of the site's editorial team. It covers how money moves in the Philippines: InstaPay and PESONet, bank and e-wallet fees, bank codes and money sent from abroad. Every figure it publishes links to the official page it came from and carries the date it was checked; see the methodology and the corrections page.

Latest

zpeso news cover: BPI and Metrobank maintenance October 23–25, 2026, three windows in PHT: Metrobank InstaPay Friday 11 PM to Saturday 2 AM, BPI Saturday 1:30 AM to 8:00 AM, Metrobank login Saturday 9 PM to Sunday 8 AM

bpi · Oct 23

BPI and Metrobank maintenance: InstaPay and apps down October 23–25

BPI and Metrobank maintenance, October 23–25, 2026: InstaPay, both banks' apps and BPI ATMs pause in set windows.

zpeso news cover: UNO Digital Bank extended maintenance, unscheduled from October 11, 2026, with a phone showing a timeline of October 11, 14 and 16

uno digital bank · Oct 16

UNO Digital Bank maintenance: what UNO and the BSP say

UNO says its unscheduled maintenance from October 11 did not affect funds; the BSP may take supervisory action.

zpeso news cover: cash remittances reached US$3.035 billion in August 2026, up 1.9% year on year, with a bar chart of monthly cash remittances from January to August 2026 and August highlighted in blue

remittances · Oct 15

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.

zpeso news cover: a black ATM with a blue check mark on its screen beside a calendar page for the 12th struck through, under the headline "Metrobank cancels its Oct 12–13 maintenance"

metrobank · Oct 12

Metrobank maintenance cancelled: ATMs up October 12–13

Metrobank cancelled its October 12–13, 2026 ATM and card maintenance; all services run without interruption.

zpeso cover: Metrobank and RCBC ATMs and debit cards offline October 12–13, 2026, with a bank card and clock graphic

metrobank · Oct 11

Metrobank and RCBC ATM maintenance: cards and ATMs down October 12–13

Metrobank and RCBC ATM maintenance, October 12, 2026: RCBC was down 2:00–5:00 AM PHT; Metrobank cancelled its window.

metrobank · Oct 3

Metrobank maintenance: ATMs and debit cards down October 2–3

Metrobank maintenance took its ATMs, deposit machines and debit cards offline overnight on October 2–3, 2026.

gcash · Oct 1

GCash maintenance October 1 to 2, 2026: what was down

GCash paused bank transfers, InstaPay cash in and QR Ph overnight October 1 to 2, 2026, for system maintenance.

coins-ph · Sep 29

Coins.ph cash in via InstaPay and PESONet under maintenance

Coins.ph has listed InstaPay and PESONet cash-ins as under maintenance since 1:00 PM PHT on September 29, 2026.

gcash · Sep 28

GCash BancNet maintenance: transfers and QR Ph down September 28–29

GCash paused bank transfers, InstaPay cash in and QR Ph payments on September 28, 2026 for BancNet maintenance.

instapay · Sep 22

RCBC and DBP schedule InstaPay downtime for September 23 to 24

RCBC and DBP set overnight InstaPay maintenance for September 23 and 24, 2026; RCBC points customers to PESONet.

transfer-fees · Sep 21

BSP tally: 48 institutions have waived InstaPay and PESONet fees

48 BSP-supervised institutions had zero InstaPay and PESONet fees as of July 31, 2026; GCash and Maya still charge ₱10.

remittances · Sep 15

BSP: cash remittances rise 1.9% to US$3.24 billion in July 2026

Cash remittances rose 1.9% to US$3.240 billion in July 2026, for a January to July total of US$20.389 billion.

bsp · Sep 7

BSP draft proposes 12-month pause on new payment operators

A BSP draft circular would halt new payment operator applications for 12 months and create a QR merchant database.

pesonet · Aug 20

August 21 and 31 holidays push PESONet to the next banking day

PESONet transfers sent around the Ninoy Aquino Day and National Heroes Day holidays credit on the next banking day.

remittances · Aug 17

Cash remittances up 1.7% to US$3.039 billion in June 2026

June 2026 cash remittances reached US$3.039 billion, the highest monthly level of the first half, per BSP data.

instapay · Aug 1

Netbank ends free InstaPay and charges ₱5 from August 1

Netbank transfers were free until July 31, 2026; the BSP fee table shows ₱5 per InstaPay transaction from August 1.

transfer-fees · Jul 31

BSP says Circular 1238 is not an order to make transfers free

The BSP says the circular sets how transfer fees are priced, not a zero fee; GCash and Maya keep their ₱10 InstaPay fee.

scams · Jul 27

BSP warns of donation scams using Benjamin Diokno's name

The BSP warns that scammers are soliciting donations in the name of Monetary Board member Benjamin Diokno.

instapay · Jul 23

DBP waives InstaPay fees from August 15

InstaPay on DBP OnE costs ₱10 until August 14, 2026 and is free from August 15, per the bank's July 23 advisory.

afasa · Jul 23

BSP: banks may have to repay scam victims; 500 AFASA cases filed

The BSP says a bank whose non-compliance caused a loss may have to repay it in full; the PNP has filed 500+ AFASA cases.

instapay · Jul 22

More banks drop InstaPay and PESONet fees, July 14 to 22

Twelve mid-size, thrift and rural institutions changed transfer fees from July 14 to July 22, 2026, per the BSP table.

remittances · Jul 15

Cash remittances up 2.0% to US$2.713 billion in May 2026

May 2026 cash remittances rose 2.0% to US$2.713 billion, with US$14.110 billion for January to May, per BSP data.

pnb · Jul 10

PNB and Security Bank waive InstaPay and PESONet fees

PNB and Security Bank waived InstaPay and PESONet fees on July 10, 2026; Maribank and ShopeePay also went free.

bdo · Jul 9

BDO, Metrobank, PSBank and China Bank make transfers free

BDO, Metrobank, PSBank and China Bank made InstaPay and PESONet transfers free for individual clients on July 9, 2026.