We’ve listed the latest InstaPay and PESONet transfer fees from banks and digital banks in the Philippines.
This guide includes banks that offer completely free transfers, free transfers with limits or conditions, and those that continue to charge standard transfer fees.
Some banks provide free InstaPay or PESONet transfers only for a limited number of transactions, specific account types, or certain transaction amounts.
| Bank | InstaPay | PESONet | Notes |
|---|---|---|---|
| BPI | FREE | FREE | — |
| OwnBank | FREE | FREE | — |
| RCBC | 30 free per month month | PHP 10 | Free benefit starts July 4, 2026 |
| GoTyme Bank | 20 free per month (PHP 9 thereafter) | — | No PESONet service |
| CIMB Bank | 2 FREE/day (PHP 10 thereafter) | FREE | — |
| Land Bank | 1 free per day (up to PHP 1,000) | 1 free per day (up to PHP 1,000) | Eligible transactions only |
| Security Bank | PHP 10 | — | FREE for Gold Circle & Wealth clients |
| Maya | PHP 15 | FREE | Via Maya Savings |
| Netbank Mobile | Free until July 31, 2026 (PHP 5 starting Aug. 1, 2026) | FREE | — |
| EastWest Bank | PHP 10 | FREE | — |
| UnionBank | PHP 10 | FREE | — |
| UNO Digital Bank | PHP 8 | FREE | — |
| MariBank | 50 free per month (PHP 15 thereafter) | 50 free per month (PHP 15 thereafter) | — |
| BDO | PHP 10 | PHP 50 | — |
| Metrobank | PHP 8 | PHP 50 | — |
| PNB | PHP 20 | PHP 20 | — |
| China Bank | PHP 10 | — | No published PESONet fee found |
| GCash | PHP 15 | — | No PESONet service |
| Tonik Bank | PHP 8 | PHP 8 | — |
Based on the latest fee schedules and official announcements as of July 2026, BPI and OwnBank currently offer free InstaPay and PESONet transfers.
Other banks, including RCBC, GoTyme Bank, CIMB Bank, Land Bank of the Philippines, MariBank, Maya, EastWest Bank, UnionBank, UNO Digital Bank, and Netbank Mobile, offer free transfers with certain limits or conditions.
Meanwhile, banks such as BDO, Metrobank, PNB, China Bank, GCash, and Tonik Bank continue to charge transfer fees.
Transfer fees, free transfer limits, and eligibility requirements may change over time. Be sure to check your bank’s latest fee schedule or announcement before making a transfer.
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