InstaPay

The electronic fund transfer allows you to transfer Philippines Peso funds almost instantaneously.

What is InstaPay?

InstaPay is an electronic fund transfer service that allows you to transfer Philippine Peso funds almost instantly between accounts of participating banks and non-bank e-money issuers in the Philippines. The service is available 24/7, including weekends and holidays. Click here to read FAQs

Real-time Credit

Availability of Funds to the Recipient’s Account.

24/7

The service is available 24/7, including weekends and holidays.

No limit

Number of Funds Transfer Transaction per day.

Php 50,000

The transaction limit is capped at Php50,000 as this is a Bangko Sentral ng Pilipinas (BSP) mandate.

Php 20 per credit transaction

Transaction Fee for Sending Funds.

Why Use InstaPay?

With InstaPay, you can conveniently send funds to accounts maintained in other InstaPay participating banks and non-banks. You should use InstaPay if you intend your recipient to immediately receive funds of up to Php50,000.

How to make InstaPay Transactions in DigiBanker

Manual Entry in the Transfers module

Batch upload in the Transfer module

Shared Folder Transfer Protocol (SFTP)

Application Program Interface (API)

List of InstaPay Banks and Financial Institutions in the Philippines

As of February 28, 2022, there are 64 Participating InstaPay members. The following banks and financial institutions allow InstaPay transfer transactions:

Commercial and Universal Banks

Sender/Receiver:

  1. Asia United Bank Corporation
  2. Bank of Commerce
  3. Bank of the Philippine Islands
  4. BDO Unibank, Inc.
  5. China Banking Corporation
  6. CTBC Bank (Philippines) Corporation
  7. CIMB Bank Philippines, Inc.
  8. Development Bank of the Philippines
  9. East West Banking Corporation
  10. ING Bank N.V.
  11. Land Bank of the Philippines
  12. Maybank Philippines, Inc.
  13. Metropolitan Bank and Trust Company
  14. Philippine Bank of Communications
  15. Philippine National Bank
  16. Philippine Trust Company
  17. Rizal Commercial Banking Corporation
  18. Robinsons Bank Corporation
  19. Security Bank Corporation
  20. Standard Chartered Bank
  21. Union Bank of the Philippines
  22. United Coconut Planters Bank

Receiver only:

  1. Philippine Veterans Bank

Thrift Banks

Sender/Receiver:

  1. AllBank, Inc.
  2. BPI Direct BanKO, Inc.
  3. China Bank Savings, Inc.
  4. Equicom Savings Bank, Inc.
  5. Legazpi Savings Bank, Inc.
  6. Malayan Savings Bank, Inc.
  7. Queen City Development Bank, Inc.
  8. Philippine Savings Bank
  9. Producers Savings Bank Corporation
  10. Sterling Bank of Asia, Inc.
  11. Sun Savings Bank, Inc.
  12. Wealth Development Bank Corporation

Receiver only:

  1. Dumaguete City Development Bank
  2. ISLA Bank, Inc.
  3. Philippine Business Bank, Inc.
  4. UCPB Savings Bank, Inc.

Rural Banks

Sender/Receiver:

  1. Binangonan Rural Bank, Inc.
  2. Camalig Bank, Inc.
  3. Card Bank, Inc.
  4. Cebuana Lhuiller Rural Bank, Inc.
  5. Community Rural Bank of Romblon
  6. Dungganon Bank, Inc.
  7. East West Rural Bank, Inc.
  8. Partner Rural Bank (Cotabato), Inc.
  9. Rural Bank of Guinobatan, Inc.

Receiver only:

  1. Bangko Mabuhay, Inc.
  2. BDO Network Bank, Inc.
  3. Mindanao Consolidated Cooperative Bank
  4. Quezon Capital Rural Bank, Inc.

Electronic Money Issuers

Sender/Receiver:

  1. CIS Bayad Center, Inc.
  2. DCPay Philippines, Inc.
  3. Grab Pay
  4. G-Xchange, Inc. (GXI)
  5. PayMaya Philippines, Inc.
  6. Shopee Pay Philippines, Inc..
  7. StarPay Corporation
  8. TayoCash, Inc
  9. USSC Money Services, Inc.
  10. Zybi Tech, Inc.

Receiver only:

  1. Alipay Philippines, Inc.
  2. OmniPay, Inc

Contact Us

(02) 888-791-88
Press 1 to agree with the Data Privacy Act clause, press 3, then 2.
PLDT Toll-Free* number: 1-800-888-1250 via PLDT landline for free.
(*Smart and Talk & Text mobile phones will be charged P7.27 per call. The corresponding call charges for other carriers will apply.)

[email protected][email protected]
Frequently Asked Questions

1. What is InstaPay?

InstaPay is an electronic fund transfer service that allows you to transfer Philippine Peso funds almost instantly between accounts of participating banks and non-bank e-money issuers in the Philippines. The service is available 24/7, including weekends and holidays.

 

2. Why should I use InstaPay?

With InstaPay, you can conveniently send funds to accounts maintained in other InstaPay participating banks and non-banks. You should use InstaPay if you intend your recipient to immediately receive funds of up to Php50,000.

We recommend using PESONet for transfers greater than Php50,000.

 

3. To whom can I send funds?

To any valid checking/savings account or cash card issued by InstaPay participating banks and non-banks. Acceptable account types may vary per bank and some accounts may be restricted. Kindly refer to the Participant Rules.

As of February 28, 2022, there are 64 Participating InstaPay members.

 

4. What currencies are supported?

InstaPay supports Philippine Peso (Php) transfers.

 

5. Can I use InstaPay to send money overseas?

No. Instapay only allows sending money within the Philippines.

 

6. How much can I transact daily?

We will follow your requirement as indicated in your InstaPay Supplemental Agreement.

Type of Limit Amount

Daily Aggregate Limit

The total amount that your company can transact daily

Client defined. If you need to change this, please contact your Sales Manager.

Limit per Transaction

The maximum amount that you can transfer per beneficiary in a single transaction

Php50,000

 

7. Can the current limit be increased to more than Php50,000?

The transaction limit is capped at Php50,000 as this is a Bangko Sentral ng Pilipinas (BSP) mandate.  Security Bank will automatically increase the limit if mandated by the BSP.

We recommend using PESONet for transfers greater than Php50,000.

 

8. How can I make InstaPay transactions in DigiBanker?

You may initiate InstaPay transfers in four ways:

  1. Manual entry in the Transfers module
  2. Batch upload in the Transfers module
  3. Shared Folder Transfer Protocol (SFTP)
  4. Application Program Interface (API).

To setup batch upload, SFTP, or API mode of transmission, please contact your Sales Manager.

 

9. Do I need to enroll InstaPay beneficiaries?

No, it is not required.

 

10. How soon can I know if the funds have been successfully credited to the recipient’s account?’

You will see a “Posted” status on Digibanker almost in real-time.

 

11. Is it possible for a transaction to be Rejected?

Yes.  For example, if the funding account is insufficient or the beneficiary account is invalid, the transaction might be rejected.

 

12. What does each transaction status mean?

InstaPay Status Meaning
Posted / Processed Successful. The amount is credited to the beneficiary account.
Rejected Unsuccessful. The amount is not credited to the beneficiary account.
Suspect

Status “unknown”. The transaction needs further verification and is subject to reconciliation by the bank before reprocessing.

To know the final status, please call our Better Banking Specialists at (02) 888-791-88 (press 1-3-2) or email [email protected].

13. What happens if I send funds to the wrong account?

Funds transferred via InstaPay are credited almost immediately and with finality.  If funds are sent to the wrong beneficiary account, retrieval is only on a best effort basis.

Please exercise care in entering the correct amount and recipient’s information. Check the information carefully before allowing the transaction to proceed.

14. How do I know if my recipient received the money I sent?

Your recipient can check the balance of his account. Some bank and e-wallets also notify their customers via SMS or email.

15. How much does InstaPay cost?

Please refer to your Supplemental Agreement.

 

16. How will I be billed for transaction fees?

Fee collection, if applicable, will either be in real-time or on a monthly basis, depending on your company’s arrangement with Security Bank. Please refer to your Supplemental Agreement.

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Underlying documents required 

  • Download the files and save them on your device [insert links to MTAF, TTAF, etc…] 
  • Open the files using your device’s PDF reader. 
  • Fill in all the fields.  
  • Print a copy of the file. 
  • Sign the document using a wet signature. 
  • Submit the MTAF or TTAF to your desired branch (Please
    coordinate with your corporation’s RM for pick up/drop off instructions) 

Download the Money Transfer Application Form 

Download the Telegraphic Transfer Application Form

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