BPI Pamana Padala

Mga OFWs, before you go abroad siguraduhing safe ka, pati sila. 

May mangyari man sa'yo, tuloy ang padala for 12 months, sagot ng BPI.*

Para mag-open ng BPI account sa Qatar, tawagan ang +974 33236884 para humingi ng assistance sa Qatar BPI Representative

BPI Pamana Padala is a specially designed account for Overseas Filipino Remitters like you. Maaari mong i-remit kada buwan sa sarili mong BPI Pamana Padala account ang pinaghirapang sahod. Gamit ang BPI Online Banking, makaka-transfer ka sa BPI account ng pamilya mo sa 'Pinas, ng kahit anong araw o oras. Tipid na sa fees, agad ka pang makaka-remit. May kasama pang libreng Remittance Income Continuation plan para siguradong matutupad ang mga pangarap mo.

Tipid ka sa Remittance Fees.

Remittance fees sa bawat padala? Imbis na mag-remit sa ilang beneficiaries, ngayon, one-time remit nalang sa sarili kada buwan! Tipid, diba? At dahil direct credit sa BPI Pamana Padala account, mas makakamura ka sa remittance fee*

• remit ang sweldo diretso sa iyong BPI Pamana Padala account 

• gamit ang BPI Online Banking, you can transfer funds from  your BPI Pamana Padala to the BPI account of your beneficiaries

 •pwede kang mag transfer ng kahit ilang beses

Para mas madaling makapag padala ng remittance sa iyong Pamana Padala account, BPI has Remittance Centers, Tie-Ups and Correspondent Banks in key areas worldwide. Click here to find out where to go to send money.

Pwedeng Magpadala Anytime, Anywhere.

Na experience mo na bang mahingian ng tulong mula sa pamilya mo sa 'Pinas habang nasa oras ka ng trabaho, o dis-oras ng gabi?

With BPI Pamana Padala, kahit alanganing araw o kahit anong oras, pwede kang mag padala, agad-agad! Hindi mo na kailangan hintayin malibre sa trabaho, o antaying magbukas ang remittance center.

The money transferred from your BPI Pamana Padala account will be credited immediately to the BPI account of your beneficiary and they can withdraw it from any BPI ATM, free of charge.

Back-up Plan na Remittance Income Continuation.

Mahirap mawalay sa pamilya mo. Pero kaya itong tiisin matupad lang ang mga pangarap na mapagtapos ang mga anak sa pag-aaral, o ang magkaroon ng sariling tahanan. Tulad ng kasabihan, itong mga pangarap na ito lang ang maipapamana mo sa iyong pamilya.

Sa BPI Pamana Padala, kahit na huwag naman sana, mawala ka man, patuloy na makakatanggap ng remittance and iyong beneficiary up to Php 300,000 or USD 6,000 na hahatiin buwan-buwan for 12 months - libre, mula sa BPI. Kaya makakasiguro kang matutupad ang mga pangarap mo.

You can open a BPI Pamana Padala for an initial deposit of only Php 500. This product is available in Peso and US Dollar in BPI and Peso in BPI Family Savings Bank.

*compared to cash pick-up

Siguraduhing mag-open ng Pamana Padala bago umalis ng bansa. Just visit any BPI or BPI Family Savings Bank branch nearest you or click here to set an appointment.

1. Please bring the following account opening requirements:

• One (1) original, valid ID with photo and signature

• Proof that you are an Overseas Filipino Worker

• work contract

• work visa / work permit

• overseas employment certificate (from POEA)

• OWWA ID

• Seaman's book

• CFO Certificate

• PDOS Certificate

• local residence id

Initial deposit of only Php 500 or USD 500. Click here for the complete deposit balance requirements and rates.

2. You will be asked to fill out the following bank forms:

Standard Account Opening forms

BPI Pamana Padala Enrollment for Group Life Insurance Coverage, to indicate:

Name of Insured. This is also the name of the account holder. For joint "OR" accounts, only the primary accoutholder shall be designated as the Insured Individual, provided that the designated Insured Individual is an eligible individual.

Name of Beneficiary/ies. It is recommended to nominate beneficiary/ies with blood relation to the Insured (ie spouse, children, parents or brothers and sisters) or the estate administrator of the latter. Otherwise, the nominated beneficiary/ies will be subject to evaluation/approval based on the insurable interest as defined by the insurance company.

3. A Proof of Cover for the Free 90-day Personal Accident Insurance will be given to you after you have opened the account.

For your Free Life Insurance coverage, this will take effect on the date of the fourth Foreign Inward Remittance made within a 12-month period. Your Proof of Cover for the Life Insurance will be sent to you at your nominated email address.

4. The Debit card of your Pamana Padala account will be available at the branch of account opening after 3 banking days.

Frequently Asked Questions

1. When will my coverage take effect?

Personal Accident Coverage. Your coverage takes effect on the date of account opening.

Life Coverage. Your coverage takes effect on your 4th remittance, provided that these remittances are made within a 12-month period.

2. When will my coverage end?

Personal Accident Coverage. You are covered for a period of 90 days from effective date of coverage. At the end of 90 days, your coverage will end.

Life Coverage. As long as you have at least 4 remittances in the past 12 months, you are covered. Your coverage will end on whichever is the earliest of:

a. the Policy Anniversary date closest to your 56th birthdate.

b. the date your Policy is terminated.

c. the date your Pamana Padala account is closed, or

d. the Policy is discontinued by BPI.

*The date on which your Life coverage first began in a previous year.

3. What benefit does this provide?

Personal Accident Coverage. In case of death due to accident, a lump sum amount of Php100,000 will be given to your beneficiary/ies.

Life Coverage. In case of death due to any natural or accidental cause, your beneficiary/ies will receive an amount equal to the total amount of remittances you have sent in the past 12 months prior to death. Maximum benefit amount and exclusions apply.

4. Who can I declare as beneficiary?

• Personal Accident Coverage and Life Coverage.

• Your beneficiary must be someone who benefits from your continued existence and support and will suffer financial loss in the event of your death. A spouse, child, parent, or sibling can be typically designated as beneficiary.

• A beneficiary can be revocable or irrevocable. For instance:

• If you designated your spouse as a revocable beneficiary, you can make changes to your policy – including changing beneficiary/ies – at any time without the consent of your spouse.

• If you designated your spouse as an irrevocable beneficiary, you are required to secure consent of your spouse before making any changes to your policy, including changing beneficiary/ies.

5. Is there a maximum amount that my beneficiary/ies can receive?

Personal Accident Coverage. The pay-out is fixed at Php100,000. If multiple Pamana Padala accounts exist under your name, a cap of Php500,000 applies.

Life Coverage. For Pamana Padala Peso accounts, a limit of Php300,000 applies, regardless of the number of Pamana Padala Peso accounts under your name.

For Pamana Padala USD accounts, a limit of USD6,000 applies, regardless of the number of Pamana Padala USD accounts under your name.

6. Are there any exclusions to the coverage that I should know?

Personal Accident Coverage. War, acts of terrorism and certain high-risk activities, among others, are not covered. Please refer to the Terms and Conditions at the back of your Certificate of Cover for the complete list of exclusions.

Life Coverage. Death due to pre-existing conditions* during the first year of coverage and death due to suicide for the first two years of coverage are not covered.

*Pre-existing condition means any illness or condition occurring before the effective date of the member’s coverage. For this purpose, an illness or condition has occurred when it has been investigated, diagnosed or treated or when its signs or symptoms have manifested with or without undergoing medical consultation.

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