BPI express online account – Rich Money Habits

How to Enroll Additional Accounts into your BPI Express Online Account in 3 easy steps

In my previous article How to Enroll a BPI Express Online Account in 3 easy steps, I described how I was able to enroll my BPI savings account into BPI Express Online. Since I also have another BPI checking account, I wanted to link my two accounts together so that I can monitor both of them online.

The good thing about being able to tie your accounts together is that you can transfer funds between your accounts in an instant, anywhere and any time you want. No need to go to your branch, wait in line or be put on hold while waiting for the next customer service rep to pick up the phone.

Another good reason to link your accounts together is for your security and peace of mind. For example, if someone stole your ATM card, you can simply logon to your BPI express online account and transfer the funds from your ATM card to your other account. So even if someone tries to withdraw money from your stolen card, he won’t be able to withdraw any, since there are no more funds on that account. That is, assuming only one of your ATM cards is stolen and the other one is kept somewhere safe 🙂

Here’s How to Enroll Additional Accounts into Your Existing BPI Express Online Account in 3 easy steps

Step 1: Logon to your BPI Express Online Account

You need to have an existing BPI Express Online Account. If you still don’t have one, you can enroll your BPI account by following the steps mentioned in my previous article How to Enroll a BPI Express Online Account in 3 easy steps. Once your BPI account enrollment is activated, you can go to BPI Express Online website at http://www.bpiexpressonline.com and logon to your account using your Login ID and Password.

Step 2: Go to My Portfolio > Enroll Additional Accounts

Once logged on, click on the ‘Go to My Portfolio’ on the upper left side of the menu. A drop down list will appear. Click ‘Enroll Additional Accounts’ from the list. You will be asked which of the following 5 types of account you wish to enroll into your BPI express online account:

Savings and Checking Accounts
Time Deposit Accounts
Auto Loan Accounts
Housing Loan Accounts
Credit Card Accounts

Choose the type of the additional account you want to enroll then click ‘Continue’. The next step will ask you to enter your account number. Once done, click the ‘Submit’ button. A confirmation page will be displayed indicating your account enrollment request’s Confirmation Number along with the Transaction Date & Time. Take note of this information, or better yet, print it out for future reference.

Step 3: Wait for the bank to approve your enrollment

The bank will review your additional account enrollment application and verify that you really are the owner of the account. The verification and enrollment activation is completed within 5 banking days. Once your additional account enrollment is activated, you will be sent another notification email. You can then logon to your BPI express online account to verify if you are able to view the account details of your other account online.

Even though you have to wait for around 1 week to have your additional account activated, the great thing about it is you don’t need to manually activate your enrollment via the ATM machine anymore. You also don’t need to go to your branch and wait for hours just to activate your enrollment.

Personally, I’d rather have the bank take their time to make sure that it is really me who is enrolling the additional account. Otherwise, it could be a security issue. This is, IMHO, still hassle free online banking.

DISCLAIMER: This is simply a guide to illustrate how easy it is to enroll an additional account into your existing BPI express online account. No guarantees in the accuracy of the above steps is implied in any manner, whatsoever. It is best to ask your local BPI branch customer representative or call BPI hotline 89-100 for more accurate instructions on how to enroll you account to BPI express online.

How to enroll a BPI Express Online account in 3 easy steps

While opening my BPI payroll account a couple of months ago, I asked the customer service rep how I can enroll to a BPI Express Online account. She replied, “you can do it online through the BPI website.” I was pleasantly surprised because I thought I’d need to fill up another form and then perhaps come back again to the BPI branch a couple days after, which has been my experience dealing with Philippine banks before. To me, this was good news.

Here are 3 simple steps I did to enroll my BPI Express Online account.

Step 1: Go to BPI Express Online website

Go to the BPI Express Online website at http://www.bpiexpressonline.com/. Click the “Enroll Now!” button at the right side of the screen, in between the “personal login” and “business login” buttons. A message will pop up saying “To enroll in Express Online, you must have a BPI, BPI Family Bank or a BPI Direct Deposit Account.” Click the ‘Continue’ button and follow the next steps accordingly.

If you’re in the Philippines, you need to visit any BPI Express Teller ATM within 20 banking days to activate the enrollment. If you’re out of the country, you need to print, sign and mail the enrollment form.

Step 2: Fill up the form, and submit

Fill up the form by entering your Account Number, Joint Account Indicator (JAI) and Type of Account. Your account number is the number at the back of your ATM card. The JAI is a 2-digit no. located at the lower right hand corner of your ATM card right across your name. Lastly, the type of account is either savings or checking.

After submitting the form, it will ask you to create a login name and password. Remember the login name and password you entered because you will use it to access your BPI express online account later on. Once you’re done, you will receive an email confirmation and instructions to activate your enrollment.

Step 3: Go to any BPI ATM machine and activate the enrollment

Go to any BPI ATM machine. Insert your ATM card. Go to Special Services -> Activate Enrollments –> Express Online. The ATM will give you a receipt to confirm the activation of the online enrollment.

You can then log in to your BPI express online account 1-2 days after enrollment activation.

Once you’re able to login to your BPI Express Online account, you will now be able to access your account’s details, check your balance, pay your bills, transfer funds, reload a prepaid phone 24/7, any day of the year, whenever and wherever there is internet connection.

Now, that’s hassle-free banking in 3 simple steps!

Rich Money Habits Notes:

The last step is certainly better than having to go to the branch and “wait” for quite some time before being able to speak to a customer service rep and activate your enrollment.
This is also good because it allows the bank to authenticate the enrollment by having the customer insert his ATM card and PIN, and manually confirm the enrollments’ activation through the ATM machine. This may be inconvenient, but I’d rather wait 1 to 2 days to enjoy the benefits of online banking, than worry whether my account is hacked by someone else.
Perhaps someday BPI can think of a more convenient authentication, like what Maybank did in introducing a new level of additional security by sending a real-time TAC (Transaction Authorization Code?) SMS message to your mobile phone. When that happens, we’d be one step closer to a “pure” online banking system in the Philippines. 🙂
You may call BPI hotline 89-100 for if you need assistance on how to enroll you account to BPI express online.