InstaPay Participating Banks

If you are planning to transfer funds or pay for goods and services using InstaPay, you must know the different Payment Service Providers/ Participating Banks/ E-money issuers that you can use.


What is InstaPay?

InstaPay is an Electronic Fund Transfer (EFT) service that allows users to send money instantly from one bank account to another. InstaPay is available 24 hours a day every day of the year.

Who can use InstaPay?

Customers of InstaPay participating institutions with savings, current, or e-money accounts (with
or without ATM/debit cards) can use InstaPay for sending and/or receiving fund transfers. Users of
Instapay may be individuals, businesses, or government agencies.

InstaPay ACH Participants (as of 30 June 2022)

Here’s the list of InstaPay Participating Banks

Universal and Commercial Banks (U/KBs)


  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 Co.
  14. Philippine Bank of
  15. Communications
  16. Philippine National Bank
  17. Philippine Trust Company
  18. Rizal Commercial Banking
  19. Corporation
  20. Robinsons Bank Corporation
  21. Security Bank Corporation
  22. Standard Chartered Bank
  23. Union Bank of the Philippines
  24. United Coconut Planters Bank


  1. Philippine Veterans Bank

Thrift Banks (TBs)


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

Rural Banks (RBs)


  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.
  10. Mindanao Consolidated Cooperative Bank
  11. SeaBank Philippines, Inc.


  1. Bangko Mabuhay, Inc.
  2. BDO Network Bank, Inc.
  3. Quezon Capital Rural Bank, Inc.

Digital Banks (DBs)


  1. Tonik Digital Bank, Inc.

Electronic Money Issuers (EMI) – Others


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


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

QR Ph Person-to-Person Participants (as of 30 June 2022)

InstaPay Transactions Limit

Customers can transfer funds up to PHP50,000 per transaction as many times during the day. They should, however, contact their bank or non-bank e-money issuer to verify if there is a minimum amount for sending via Instapay or a daily limit on the aggregate amount a customer may transact in a day.

InstaPay Processing Time

When you transfer Funds using InstaPay, the Funds will be available right away.

Instapay Fees

Participating institutions may apply a fee for sending via InstaPay. The fee may vary depending on each
participating institution’s pricing strategy. There is no fee, however, for receiving funds via InstaPay.
Customers receive the amount in full.