Transfer money via InstaPay

Transfer money to other bank accounts at the comforts of your home
Frequently Asked Questions

Our Mobile App now comes with InstaPay

InstaPay can be accessed conveniently through our Security Bank Online Mobile application. You can transfer funds almost instantly to other participating banks and e-money issuers for FREE until April 30, 2021 only. No need for separate enrollment to avail of this facility.

Starting May 1, 2021 a fee of PHP25 will be charged to Easy Savings accountholders for each transaction using Instapay via Security Bank Online app. The fee will be deducted within 1-2 banking days.

Instapay remains FREE for all Gold Circle and Wealth clients, and other deposit accountholders.


Transfer funds instantly, up to P50,000 per transaction with maximum of P100,000 on a single day

Transfer funds safely and securely to participating banks and e-money issuers

Available 24/7, all year round

Get started in 5 easy steps

Select 'Transfer'

Tap 'Other Banks'

Provide recipient account details

Enter OTP to confirm your transfer

Download the latest version of our mobile app now

List of participating banks and e-money issuers

Commercial Banks

  • Asia United Bank Corporation
  • Bank of Commerce
  • Bank of the Philippine Islands
  • BDO Unibank, Inc.
  • China Banking Corporation
  • CTBC Bank (Philippines) Corporation
  • Development Bank of the Philippines
  • East West Banking Corporation
  • ING Bank N.V.
  • Land Bank of the Philippines, Inc.
  • Maybank Philippines, Inc.
  • Metropolitan Bank and Trust Company
  • Philippine Bank of Communications
  • Philippine National Bank
  • Philippine Trust Company
  • Philippine Veterans Bank
  • Rizal Commercial Banking Corporation
  • Robinsons Bank Corporation
  • Union Bank of the Philippines
  • United Coconut Planters Bank

Thrift Banks

  • Allbank, Inc.
  • BPI Direct BanKO, Inc.
  • China Bank Savings, Inc.
  • ISLA Bank, Inc.
  • Malayan Bank Savings and Mortgage Bank, Inc.
  • Philippine Business Bank, Inc.
  • Philippine Savings Bank
  • PNB Savings Bank
  • Sterling Bank of Asia, Inc.
  • Sun Savings Bank, Inc.
  • UCPB Savings Bank, Inc.
  • Wealth Development Bank Corporation

Rural Banks

  • Bangko Mabuhay, Inc.
  • BDO Network Bank, Inc.
  • Cebuana Lhuiller Rural Bank, Inc.
  • Dungganon Bank, Inc.
  • East West Rural Bank, Inc.
  • Partner Rural Bank (Cotabato), Inc.
  • Quezon Capital Rural Bank, Inc.

Electronic Money Issuers

  • DCPay Philippines, Inc. (
  • Grab Pay
  • G-Xchange, Inc. (GCash)
  • OmniPay, Inc.
  • PayMaya Philippines, Inc.
Terms and Conditions


I. Introduction

InstaPay is an electronic fund transfer (EFT) service that allows customers to transfer PHP funds almost instantly between accounts of participating BSP-supervised banks and non-bank e-money issuers in the Philippines. The service is available 24/7, all year round.

II. Definition

-Real-time, low value electronic fund transfer transactions.
-Retail payment, also known as fast payment, defines electronic transmission of payment message and availability of “final” funds to payee, occurs in real-time or near real-time on an almost 24/7 basis.

The party initiating the IBFT Instruction through the Originating Institution to transfer funds from his/her/its identified Source Account maintained with the Originating Institution to the Beneficiary Account maintained with the Receiving Institution using the facility. Any fees charged for the IBFT Instruction will be for the account of the Sender.

The receiving party identified by the Sender of funds in the Interbank Funds Transfer Instruction.

Funding Account/ Source Account
The account maintained by the Sender with the Originating Institution which is identified by the Sender as the account to be debited with the amount specified in the IBFT Instruction.

Destination/ Beneficiary Account
The account maintained with the Receiving Institution that is identified by the Sender as the account to be credited with the amount specified in the Interbank Funds Transfer Instruction

Interbank Fund Transfer Instruction (IBFT Instruction)
Instruction submitted or entered by the Sender in the facility to transfer funds from the Source Account maintained with the Bank for credit by the Receiving Institution to the Beneficiary Account as identified by the Sender.

Originating Bank (Institution)
Is the financial institution with which the Sender maintains the Source Account and tasked to ensure that the Source Account and the amount specified for transfer are the same as the required details provided in the IBFT Instruction prior to processing the transaction.

Receiving Bank (Institution)
Is the financial institution with which the Beneficiary Account is maintained and tasked to ensure that the actual account number and the amount it credited are the same as the Beneficiary Account number and the amount specified in the IBFT Instruction received by it.

III. Operating Guidelines

I acknowledge that the Bank may process my IBFT Instructions in accordance with its policies and procedures including BSP Circular No. 980.

In initiating an IBFT Instruction, the CLIENT shall indicate the Source Account, the amount to be transferred, the Beneficiary’s name and the Beneficiary Account details and other details as necessary in the SBOL / Mobile banking channels.

Only cleared and withdrawable balances of my enrolled/nominated accounts shall be considered for IBFT transaction subject to limits that may be set by the Bank. In case of insufficient funds in my account and/or violation of limits, my fund transfer request will automatically be cancelled, and the Bank will not be required to make any further attempt to perform the transfer. The Bank shall have no obligation or liability if the transfer is not completed due to insufficiency of funds in my account or violation of limits. In all cases, I am responsible for making alternate arrangements for the transfer.

Limits – maximum per transaction of P50,000.0 with maximum aggregate of P100,000 per day.

The IBFT transaction is deemed completed when the Originating Institution has debited the amount subject of the funds transfer and service fee from the Source Account, and the Receiving Institution has credited the Beneficiary’s Account. In which case, there shall be no reversal of the IBFT transaction.

IV. Liability on Beneficiary Details

I understand that the Bank shall have no obligation or liability if the funds were not transferred to the intended recipient due to erroneous account number entered. I understand that it is always my responsibility to ensure that transaction details entered are correct and accurate. I also understand that the Bank is not a party to any agreement between me and the Beneficiary in relation to the IBFT instruction.

The Bank will refund the funds subject of the IBFT instruction in case it is cancelled due to circumstances such as but not limited to:

1. Incorrect beneficiary account number;
2. Incorrect beneficiary details
3. Beneficiary account is not a PHP currency account; and
4. Any other reason as may be decided by the Bank and/or the BSP.

V. Availability and Cut-off Limits

I also understand that I can transfer funds which are subject to a daily amount limit. I also agree that the Bank may modify the interbank funds transfer limit from time to time without prior notice.

I acknowledge that transactions made through Security Bank Online shall be subject to the Bank’s prescribed cut-off time(s), and transactions made after the designated cut off time(s) shall be considered transactions of the next banking day.

VI. Disclosure of Information

The Bank is authorized to disclose of any matter pertaining to my account(s) as may be necessary for the operation of this Interbank fund transfer payment arrangement. Henceforth, I hereby waive my rights as a depositor under RA 1405 or the Secrecy of Bank Deposits Law and allow the disclosure of my account information as may be necessary to effect this transaction.

In consideration of the Bank’s implementation of my interbank fund transfer request, I agree to hold the Bank, its subsidiaries and affiliates, directors, officers, employees, and representatives/agents, free and harmless from any and all claims and liabilities which may arise therefrom and I undertake to reimburse/indemnify the Bank for all such costs, payments, damages and expenses which the Bank may be held liable for or which the Bank may incur or have incurred by reason of the Bank’s implementation of my Interbank fund transfer.


For inquiries and complaints, the Customer can contact the Bank’s 24-Hour Customer Service hotline at (632) 8887-9188 or email the Bank at [email protected]. Security Bank Corporation is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 8708-7087 and email address at [email protected].

Frequently Asked Questions
  1. What is InstaPay?
    InstaPay is an interbank funds transfer service under the National Retail Payment System (NRPS) of the Bangko Sentral ng Pilipinas (BSP) which allows clients to electronically transfer funds up to P50,000, between their account and other accounts in participating banks and e-wallets in the Philippines, anytime, anywhere.
  2. How can I transfer to another bank using InstaPay?
    Security Bank Online users can transfer to other banks using InstaPay via mobile application.  Click here to access our mobile app.
  3. How much is the transaction fee?
    Sending money using InstaPay is FREE until April 30, 2021.
  4. What is the allowed maximum number of transactions?
    There is no limit to the number of transactions you may send.
  5. What is the allowed maximum amount per transaction?
    The maximum amount per transaction is P50,000 and the maximum daily aggregate amount is only up to P100,000.
  6. When will funds be credited to the Recipient’s Account?
    InstaPay will credit funds in real-time.
  7. Can I request for cancellation of the transaction?
    As a reminder, always make sure to provide correct details when sending.  All successful transfers are final and can no longer be canceled or reversed.
  8. Can I post-date or schedule a transfer using InstaPay?
    You can only perform immediate transfers. Scheduling to a later date is not allowed.
  9. Why do you have duplicate bank names in the list?
    Some Banks may share similar names, but are different from their thrift/rural counterparts. Please confirm with the recipient the name of his bank of account. As a reminder, always make sure to provide the correct details when sending, as successful transfers are final and can no longer be canceled or reversed.
  10. What type of accounts can send via Instapay?
    Only Philippine Peso denominated savings or checking accounts in active status may send and receive fund transfers using InstaPay.The following cannot be used as source account to send InstaPay:

    • Business Plus accounts
    • eSecure Savings accounts
    • USD accounts
    • Third Currency accounts
    • Time Deposits
    • In Trust For (ITF) accounts
    • Cash Cards
    • Trust or Treasury products
    • If account status is Advise all Debit, BlockedDormant, For Closing, or Closed
  11. Is transferring funds using InstaPay safe and secure?
    Every transaction of InstaPay will require a one time password (OTP) that will be sent to your registered mobile number. You will also receive an SMS and email notification for every transaction regardless of status.
  12. Will my recipient receive a notification for every Instapay Transactions?
    Only the sender will receive the notification regardless of status. We recommend you to inform your beneficiary of any transfers made to their account following a successful transaction.
  13. Can I scan or load a QR Code to transfer funds?
    The option to by using scanned or image-loaded QR Codes is not available in Security Bank Online mobile app.
  14. Can I transfer money using InstaPay even when overseas?
    Your Security Bank mobile application can be accessed overseas however, please remember that it will require an OTP that will be sent to your registered mobile number to complete the transaction.
  15. If I don’t have a Security Bank mobile app, what are other channels to transfer funds using InstaPay?
    You may transfer using InstaPay at any Security Bank ATM or branch nearest you.
  16. When would an InstaPay transaction fail? Fund transfers using InstaPay may be rejected due to the following:
    • Source account has insufficient funds
    • Invalid or incorrect destination account details
    • The destination bank account is blocked/closed/down as a reminder, always make sure to provide correct details when sending.  All successful transfers are final and can no longer be cancelled or reversed.

For inquiries, please call our Customer Service Hotline at (02)8887-9188 or email us at [email protected]


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