Skip to content
barcoder

Wallets/bpi-philippines

Bank of the Philippine Islands (BPI)

0 standards supported

Overview

BPI (Bank of the Philippine Islands) is Philippines' oldest bank (1851 founding) + Ayala Corporation-controlled major commercial bank [1, 2, ph-cro]. September 2025 BPI mobile banking app baseline:

  • Registered users: 8.75 million (+15.6% YoY)
  • A third of new users entirely new to BPI — onboarding digitally
  • Financial transactions: +22% YoY
  • QR payments: +40% YoY

Distinctive BPI VYBE digital wallet [3]: ~2.3 million users (target end-2025: 2.5M; target end-2026: ~5M).

Strategic shift: BPI repositioning mobile platform from transactional interface → core customer engagement + operating channel [1].

History

1851 — BPI founded as El Banco Español-Filipino de Isabel 2 [2]: Philippines' oldest bank (Spanish-Philippine colonial origin).

1969 — Ayala Corporation acquires BPI — distinctive Ayala-controlled Filipino banking institution.

2000s-2024 — Multi-product Filipino banking + digital banking acceleration [1].

September 2025 — BPI mobile banking app 8.75M registered users (+15.6% YoY); 22% financial tx growth + 40% QR payments growth + VYBE ~2.3M users [1, 3].

Ownership & operator

Operating entity: Bank of the Philippine Islands (BPI; PSE: BPI).

Parent: Ayala Corporation (PSE: AC) — Philippines' Ayala family-controlled conglomerate (major Philippine business institution; Ayala family + Roberto Zobel de Ayala leadership).

Regulators: BSP (Bangko Sentral ng Pilipinas).

Technical integration

Layer Description
Channels BPI mobile banking app (iOS + Android) + BPI cards + BPI branch network + VYBE digital wallet
Identifiers Phone + email + card number + Philippine ID
PH rails instapay + qr-ph (BSP national instant payment + national QR)
License Bank (BPI full Philippine banking license)
Sub-products BPI Account + BPI Cards + BPI Credit + BPI Investments + BPI Insurance + BPI for Business + VYBE digital wallet
VYBE growth trajectory ~2.3M users → 2.5M end-2025 target → ~5M end-2026 target
Strategic shift: Transactional interface → core customer engagement + operating channel

Users & growth

September 2025 baseline [1, 3]:

  • BPI mobile banking app registered users: 8.75 million (+15.6% YoY)
  • Third of new users entirely new to BPI (onboarded digitally)
  • Financial transactions growth: +22% YoY
  • QR payments growth: +40% YoY
  • VYBE digital wallet users: ~2.3 million (2.5M end-2025 target; ~5M end-2026 target)

Use cases

Filipino retail banking via BPI mobile app + VYBE digital wallet (sister product); BPI Account + Cards + Credit + Investments + Insurance + BPI for Business; PH InstaPay + QR PH national instant payment; digital onboarding for entirely-new-to-BPI customers (1/3 of new app users).

Implementations & partners

Operator: Bank of the Philippine Islands (BPI; PSE: BPI).

Parent: Ayala Corporation (PSE: AC) — Philippines' Ayala family + Roberto Zobel de Ayala leadership.

Major Philippine banking competitors:

  • BDO Unibank (Philippines' largest bank by assets; SM Group ecosystem-backed)
  • Metrobank (Philippines' Big-3 bank; Ty family)
  • Land Bank of the Philippines + Development Bank of the Philippines (state-owned)
  • UnionBank of the Philippines (UnionBank + UnionDigital) (Aboitiz-led; SEC: UBP)
  • [[gcash]] + maya + [[tonik]] + [[billease]] + GoTyme (PH wallets + digital banks)

Regulator: BSP.

Fun facts

  • Philippines' oldest bank (1851 founding as El Banco Español-Filipino de Isabel 2; Spanish-Philippine colonial origin).
  • Ayala Corporation-controlled (1969 acquisition + ongoing Ayala family stewardship).
  • Sep 2025 BPI mobile banking app 8.75M registered users (+15.6% YoY) + a third of new users entirely new to BPI (digital onboarding).
  • Sep 2025 financial transactions growth +22% YoY + QR payments growth +40% YoY.
  • VYBE digital wallet ~2.3M users with 2.5M end-2025 target + ~5M end-2026 target.
  • Strategic shift: Transactional interface → core customer engagement + operating channel.

Comparison

Feature BPI Mobile + VYBE BDO Unibank (PH largest bank by assets rival) Metrobank (PH Big-3 bank rival) UnionBank + UnionDigital (Aboitiz-led PH rival) [[gcash]] (PH mobile wallet leader rival)
Operator Bank of the Philippine Islands (BPI; PSE: BPI; Ayala Corporation PSE: AC parent; Ayala family controlled) BDO Unibank (Philippines' largest bank by assets; SM Group ecosystem-backed) Metrobank (Ty family) UnionBank of the Philippines (SEC: UBP; Aboitiz-led) GCash (Globe + Ant Group + 667 Partners)
Type PH oldest bank (1851) + BPI mobile + VYBE digital wallet sister product PH largest bank by assets + SM Group ecosystem-backed PH Big-3 bank PH Aboitiz-led + UnionDigital BSP-licensed digital bank PH mobile wallet leader
Country Philippines Philippines Philippines Philippines Philippines
Users BPI mobile 8.75M registered (+15.6% YoY); VYBE ~2.3M (end-2025 target 2.5M; end-2026 target ~5M) PH largest bank by assets Major PH Major PH + UnionDigital BSP-licensed 81M+ users
Distinctive PH oldest bank 1851 founding; Ayala Corporation-controlled (1969 acquisition); Sep 2025 BPI mobile +15.6% YoY + financial tx +22% + QR +40% YoY; VYBE 2.5M end-2025 target / ~5M end-2026 target; strategic shift transactional → engagement PH largest by assets; SM Group (Sy family) ecosystem-backed; record P87.2B net income; lead in assets + loans + deposits Metrobank Ty family UnionDigital BSP digital bank license; Aboitiz-led 81M+ users; GoTyme Bank sister; Globe + Ant Group + 667 Partners

Status

Active, Philippines' oldest bank + Ayala-controlled major commercial bank [1, 3]:

  • Bank of the Philippine Islands (BPI; PSE: BPI) since 1851 (PH oldest bank).
  • Ayala Corporation (PSE: AC) parent (1969 acquisition + ongoing Ayala family stewardship).
  • Sep 2025: BPI mobile 8.75M registered users (+15.6% YoY) + financial tx +22% + QR +40% YoY.
  • VYBE digital wallet ~2.3M users with 2.5M end-2025 + ~5M end-2026 targets.
  • BSP regulated.

Sources

Source

Biography extracted from bpi-philippines.md. See matrix.md for standards-support matrix if present.

source · docs/wallets/bpi-philippines/index.md