Sunday, April 22, 2012

Finally, an alternative debit card for Paypal (BPI E-Prepaid Mastercard)

I recently applied for another debit card to be linked to my Paypal since I was so irked and inconvenienced with UnionBank (based on my previous post).  It was a good thing that BPI had recently offered a new prepaid debit card called E-Prepaid Mastercard which can be used for online shopping and Paypal.

  • Minimum age to apply is 10 yrs old
  • Initial cost was P500 for the annual fee for 2 years of the card's validity compared with UnionBank's annual fee of P350.  It costs P600 for those outside GMMA.

  • Daily limit is P10,000 compared to Eon which is P20,000; so I guess for small online purchases like Android apps, coupons, vouchers, airline tickets, hotel bookings, etc. it's ok.  For more expensive purchases, a credit card is still the way to go but you have to be vigilant with the charges so you can monitor if there's unauthorized usage that you can dispute with the company.

  • You can deposit/fund the card using BPI ATMs, cash acceptance machines, and thru BPI ExpressOnline.

  • Another downside, you can't withdraw Paypal payments to your BPI E-prepaid card and it cannot be used like an ATM unlike the Eon.



How to Apply for the BPI E-Prepaid Card:

1.  I applied online thru BPI's website.
Choose "Prepaid Cards" in the dropdown menu then read the agreement form that follows.


2.  Fill up the details in the registration form  and nominate a branch nearest you where you will pickup the card.

3.  Go to your nominated branch to pickup the card.  Allow 2-3 business days before picking up the card.  Might also be a good idea to call the branch first to ask if your card is already available.   

I went to my nominated branch to pickup the card after a week, showed a valid ID then paid the card fee of P500.  The BPI employee told me that they require a P500 initial deposit ( not stated on the website) so I also made a deposit, considering that I'm going to require some funds to verify the card with Paypal. 

You might want to load some funds initially while you're there so that the card can be enrolled into your Expressonline account or to have it activated.  You'll also need to sign a card enrollment/agreement form to link your card with your EOL account (if you have one).


4.  To link it with Paypal, log in to your account (or register if you don't have one yet) at the Paypal website.    Click on "Profile" then "Add/Edit Credit Card."  Enter your card's details.  Make sure that your E-prepaid card already shows up on your Expressonline account and that you have a minimum of P150 before verifying it with Paypal or you'll get an error message.   Paypal charges $1 (non-refundable) to link your card plus  P100 to verify that the card is yours (will be refunded later after you  verify your card).  Click on "Confirm my debit or credit card."



5.  You can either check your BPI online account after 2-3 days for the 4-digit Paypal code listed under "View last 5 transactionsor send an email (like I did) with your full name and 16 digit card number to myeprepaid@bpi.com.ph and they'll reply with your 4-digit code.  
Log in to Paypal again to confirm your card by entering your personal Paypal 4- digit code.


6.  After confirming your card, you can now use the card for online shopping in eBay or other online stores that accept Paypal.   The P100 Paypal deducted from your account will be refunded after a few days as Paypal funds (in US$).


Update:


  • I've used it to book flights at Cebu Pacific's website (provided you have sufficient balance).
  • Pay for purchases at supermarkets and bookstores.
  • I was able to use the card for Paypal purchases and shopping online at a NZ website and NZPost.

95 comments:

  1. this is soooo helpful! you are amazing! thanks for putting this up... been looking for a debit card i can use to pay with paypal.

    ReplyDelete
  2. i have a question, I tried linking my e-prepaid card with paypal but i got this error

    "This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer's customer service department. Or, you may want to try adding a different credit card."

    i just reloaded my prepaid card with P500 but i still get this error. i have already emailed bpi about this issue. waiting for their reply.

    ReplyDelete
  3. hi purplegoo. i tried linking my eprepaid with my paypal and now it worked. but since i can't still see my eprepaid account on my bpiexpressonline acoount, how am i going to get the 4-digit code in order have my P100 refunded? what am i going to write on my email. please help. thanks. :)

    ReplyDelete
  4. Hi. I also received this error when I tried to link it before the e-prepaid account showed up with my expressonline account. Try linking it to Paypal after the e-prepaid account has shown up in your EOL account.

    ReplyDelete
  5. Were you able to fill up the card service agreement form at your BPI branch to link your e-prepaid account to your Expressonline account? If not, try enrolling the card online under "Payments & Reloading." Print out the form and submit it to your branch.

    Ask for your 4-digit EXPUSE number for Paypal either by phone or by email.

    ReplyDelete
  6. Thanks! I will check if it will show up on my bpiexpressonline acct this week. But you also mentioned about emailing them that you can request a billing statement for your 5 last transactions right?

    ReplyDelete
  7. Yes I was able to enroll it last friday. I submitted the form in BPI. And I can now reload online but it's still not showing. Maybe because it got activated on a non-banking day. Hopefully it will show up on my acct.

    ReplyDelete
  8. Ok. You might want to wait a few days for it to show up on your expressonline account. Mine took 2 or 3 days. Once it shows up then you can email them for the 4-digit code. I got a faster response than waiting for it to show up on the "view last 5 transactions" list.

    ReplyDelete
  9. thanks again. I will wait for two days or I might as well send an email regarding my 5 last transactions. :) I'll share what will happen next.

    ReplyDelete
  10. update: i got the PP number and they were able to link my eprepaid card with my eol account though it took them two weeks to resolve it. :)

    ReplyDelete
  11. Good for you. I wonder why it took so long though. Thanks for the update.

    ReplyDelete
  12. you can also used SMARTMONEY TO WITHDRAW PAYPAL FUNDS TESTED WORKS 100%

    ReplyDelete
  13. Hello, my paypal says: "This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer's customer service department. Or, you may want to try adding a different credit card."

    Help? :( My ePrepaid card is already showing on my account, and still I have this message.

    ReplyDelete
    Replies
    1. Hi. Maybe it's not yet activated? I also got the same message before.

      Do you see your 4-digit EXPUSE number when you log on to your BPI account?

      Send an email to myeprepaid@bpi.com.ph with your 16 digit E-prepaid number and full name to get the 4-digit number. Then try adding the card again. Hope this helps.

      Delete
  14. It has a 50k limit, which sucks a lot for any serious buying and selling. sure is sad

    ReplyDelete
  15. oh gosh just hate it..pls help...been waitn my code since last friday till nw..its not apring n my bpi eol i have been sending my nme and i6 dgit card number to myeprepaid@bpi.com.ph but i am not rcving any mssge from them...my card is alrdy seen in my eol...

    ReplyDelete
    Replies
    1. try calling 89-100 instead. medyo matagal din minsan magreply yung sa email address nila eh.

      Delete
  16. hi how can i create acount in express online

    ReplyDelete
    Replies
    1. If you already have a BPI account, go to https://www.bpiexpressonline.com/application/application_typeA.aspx and register there. Call 89-100 for further assistance.

      Delete
  17. Hello, i want to ask I only have 100 pesos on my e prepaid card, and have some amount in my paypal account, if I will purchase an item, will my paypal balance be forwarded to the online shopping site? Thanks

    ReplyDelete
    Replies
    1. Hi. Assuming that your Paypal balance is adequate to cover your purchase price from the site, it will be deducted from there.
      If your Paypal balance is not enough, you can also add funds to your E-prepaid card so that part of the payment is deducted from your available Paypal balance + E-prepaid balance. Hope this helps.

      Delete
  18. Hello! Thank you for this blog, it's quite informative. My paypal already has $39.32 USD but it is not verified yet, I recently opened an debit card account on BPI, I want to verify my paypal account using my e-prepaid mastercard, though I wanna verify things first;

    1. would my initial deposit be added on my paypal balance?
    2. Is there any way to withdraw my paypal money using ATM?
    3. Should I register my debit card on paypal too?
    4. Can I transfer my paypal balance to my debit card?

    I'm kinda new at all of this, I hope to learn things along the way, I have little knowledge about these, I just want to make sure. Thank you :D

    ReplyDelete
  19. 1. No, your initial deposit (I assume from your BPI E-prepaid account) will not be added to your Paypal US$ balance. But, if your E-prepaid mastercard is linked to your Paypal account, if you purchase/use any amount exceeding your Paypal balance will be deducted from the E-prepaid balance (provided it has sufficient funds).

    For example, your balance in your BPI E-prepaid card is Php 400 and your Paypal balance is $39.32 and you want to purchase something that costs $45, Paypal will deduct from your US$ balance + BPI E-prepaid balance to cover the purchase price.

    2. You can withdraw your Paypal balance by using "withdraw to bank" (eg. requires a regular deposit/savings account). You cannot withdraw your Paypal money using your BPI E-prepaid Mastercard. It doesn't have an ATM function.

    For "withdraw to bank" option, take note of Paypal's fees/charges for this kind of transaction and it usually takes 3-4 business days.


    3. You can use/register your BPI E-prepaid debit card to verify your Paypal account. Do this before sending or receiving money (especially large sums) on your unverified Paypal account. There have been cases of Paypal freezing the funds because of suspicious activity.


    4. No, you cannot transfer your Paypal $ balance to your BPI E-prepaid debit card.

    ReplyDelete
    Replies
    1. Thank you for your fast reply, One last thing; My paypal is 'unverified' and it needs me to to add my debit card/credit card. I don't have a credit card so I used my BPI debit card. Well it's been almost 12 hours and my account is still not verified. I was wondering if I avail this BPI E-Prepaid Mastercard and register it to my paypal, would verify my account and allow me to send money online?

      Delete
    2. Please refer to my blogpost above for details on how to link your BPI E-prepaid card to Paypal. It will take 2-3 business days at most for you to get verified by Paypal because you need to wait for the 4-digit EXPUSE number to show up in your BPI account online (using Expressonline) or ask BPI customer service to email it to you.

      Paypal imposes sending limits for unverified accounts so it's best to get your Paypal account verified before sending/receiving any funds.

      Delete
  20. Hi!
    Sorry for the newbie question. But what brstn / BANK CODE should be used? Is it 10040018 or 021000021? Really confuse as some say that the latter is for family something.
    Thanks :)

    ReplyDelete
    Replies
    1. Sorry for the late reply. I forgot which bank code I used when I registered my bank account for Paypal withdrawal. I've emailed BPI regarding that inquiry and they haven't responded yet. Some bloggers have been successful with using either one. Hope that helps. Thanks.

      Delete
  21. hi there..It's stated on the form before you submit the application that you need to print it and bring it with you in claiming your card. Unfortunately I wasn't able to print it. Is it okay to claim the card without that form, just one valid id? Thank You

    ReplyDelete
    Replies
    1. Hi. Yes, you can claim the card without the form. Just make sure to remember your nominated branch where you'll pick up the card. Di na nila tiningnan yung form na dinala ko when I picked up mine.

      Delete
  22. ask ko lng pwede ko po bang mkuha ang paypal code ko pag tinawagan ko ung eprepaid card ko sa bpi 89100??? mkukuha ko pu ba ung 4digitz code ko?

    ReplyDelete
    Replies
    1. I suppose you could try calling them. Haven't tried it personally though.

      Delete
  23. Hi.. I dont have account in BPI so i Cant enroll my eprepaid card to their website, can i verify my paypal?

    ReplyDelete
    Replies
    1. I think you still can. You'll probably need to call BPI Hotline at 89100 to ask about the 4 digit EXPUSE code or email them myeprepaid@bpi.com.ph or go to your branch and fill up an enrollment form.

      Delete
  24. I email them already and BPI text me to call their hotline , beacause they have some inquiry regarding my request, how to call bpi through mobile phone? batangas area

    ReplyDelete
  25. Can i also use thisncard for non-online purchase? Like in restos or grocery?

    ReplyDelete
    Replies
    1. Yes, provided your account has sufficient balance. Ask the cashier to be sure though.

      Delete
  26. What if i deleted the confirmation page without printing it . Can i still go to the bank without it and claim my card?.

    ReplyDelete
    Replies
    1. I think so (they didn't ask for my copy when I went to my branch). Just bring a valid ID and the payment for the card fee and a minimum deposit to your selected branch.

      Delete
  27. Hello, I can't seem to connect the card to my paypal account. I have loaded 200 pesos in there? (you mentioned that 150 is the minimum)

    ReplyDelete
    Replies
    1. Hi. What error message are you receiving? You can try contacting Paypal Customer Service by logging in to your Paypal account.

      Delete
  28. Can I load this card with dollars along with php?

    ReplyDelete
    Replies
    1. No. If you use it online, you will be charged in pesos based on BPI's foreign exchange rate.

      Delete
    2. many thanks for this info. =)

      Delete
  29. Hello. I just want to ask if I can link BPI Express Teller ATM Card to my Paypal account? I'm looking for a debit card which I can link to my Paypal account and withdraw my Paypal funds. Thank you.

    ReplyDelete
    Replies
    1. No you can't use BPI express teller ATM to link with Paypal. Only the Eprepaid Mastercard.

      To withdraw Paypal funds, you can use the withdraw to bank option from Paypal to transfer it directly.

      Delete
    2. Thank you for your response.

      So.. I can use eprepaid mastercard to verify my paypal account and then just add my BPI Savings account, such as BPI Express Teller ATM Card, so I can withdraw Paypal funds?
      If I already transferred my Paypal funds to my savings account.. can I withdraw it thru ATM?

      Because I am planning to get an EON debit card.. but if BPI is more convenient, then I choose BPI instead.

      Delete
  30. UnionBank's Eon visa debit card can do both. Choose what's more convenient for you.
    I don't like my UnionBank branch's customer service kaya I preferred BPI, plus malapit pa sa akin.

    ReplyDelete
  31. hi, so in order to enroll my eprepaid mastercard to EOL, i need a current or savings account first? my eprepaid mastercard is my first card from BPI and upon trying to enroll on EOL, they don't have an option for it, only ATM, credit, etc.

    ReplyDelete
    Replies
    1. That I'm not sure. Try calling BPI's 89-100 or go back to your nominated branch and fill out a form to enroll it for ExpressOnline. Sorry I can't help much further.

      Delete
  32. This site is very reliable and informative. Thank you for having this blog about the eprepaid. :D

    ReplyDelete
  33. Hi! Can I use this card even if I don't link it with paypal? I'm planning of buying something on ebay?

    ReplyDelete
    Replies
    1. You'll need to link it to a Paypal account if you're going to use it for eBay US because most sellers only accept Paypal. For eBay PH, it will depend on the seller's terms if they accept Paypal, but most offer bank to bank transactions.

      Delete
  34. ok lang po ba na widrawhin ko yung paypal balance ko sa mapupunta sya sa eprepaid card
    thnx and have a good day i

    ReplyDelete
    Replies
    1. No, you can't withdraw it to your Eprepaid card. You can withdraw it through your BPI account.

      Delete
    2. so do i need to get a BPI savings account to get the funds from paypal then i widraw it on atm? or its ok if i will sign up through internet?

      Delete
    3. To withdraw your Paypal funds to your atm account (any bank), please refer to http://pages.ebay.ph/bankwithdrawal/

      Please refer to your bank's specific code by looking it up
      http://pages.ebay.ph/bankwithdrawal/bank_codes_ph.html

      If you want to withdraw it to a BPI account, you will still need to go to your nearest branch (even if you sign up for an account online) and submit or fill up the forms there. Then enroll your BPI account to Expressonline and do the transfer from there.

      If you need the Paypal funds right away (since bank transfers take 3-5 business days), try the services of a trusted and credible Paypal exchanger that can exchange your Paypal funds to pesos and deposit it straight to your bank account.

      Delete
    4. ok thank you to your reply..
      if ever i go to the nearest BPI bank here on my place so i need to deposit again a 500 pesos? or is there any money that invovled to get a Bpi savings account and i would like to know how many days do i need to wait before i get my BPi Savings account??
      then let ask some question... if i already have a Bpi savings card do i need to link again the BPi savings card on my paypal account?
      and what is the use of bpi express card

      Delete
    5. For requirements and other details on opening an account, please refer to BPI's website.

      Delete
    6. hello i have an express card and savings account pero ndi ko alam kung pano papasok ung funds sa savings account ko na galings paypal!!
      can u help me pls!!

      Delete
    7. To withdraw your Paypal funds to your atm account (any bank), please refer to http://pages.ebay.ph/bankwithdrawal/

      Please refer to your bank's specific code by looking it up
      http://pages.ebay.ph/bankwithdrawal/bank_codes_ph.html

      Delete
  35. I'd like to download android apps and sign up a Google wallet account. Do I still have to link it with Paypal?

    ReplyDelete
    Replies
    1. No need to link with Paypal if you'll be using it with a Google account. Just remember to require PIN access to restrict in-app purchases.

      Delete
  36. hi panu ilink yung eprepaid card sa account ko? do i still need to go to the bank?

    ReplyDelete
    Replies
    1. Yes you'll need to sign a card enrollment form at your bank branch to link it to your bpiexpressonline account.

      Delete
  37. hello ok lang po ba kung gagamitin ko yung pangalan ko then for the bank i use the bank of my sister??
    is there any nothing problems happens?
    thnx and have a god day

    ReplyDelete
    Replies
    1. I'm not sure what you mean. You can apply for the Eprepaid card under your name and then if your sister has a BPI account she could probably enroll your Eprepaid account under her account to authorize fund transfers.

      Delete
  38. Sir, may I know if this can be used in working online. Like when a company pays you for an online job, can I use this card linked to paypal to receive the money? Thanks in advance sir. Your answer is highly appreciated.

    ReplyDelete
    Replies
    1. You can link it with your Paypal account but you cannot withdraw the money because the Eprepaid card cannot be used as an ATM card (as stated above).

      You can withdraw your Paypal funds directly through your bank account. Pls refer to the comments above for the links.

      Another option is UnionBank's Eon Visa debit card with ATM function

      Delete
    2. Ok sir. So what about the Union Bank's debt card? Can I now withdraw the money using Eon debt card linked with paypal? And can I use it shopping online too? Thanks again sir. :)

      Delete
    3. Yes UnionBank has ATM function
      http://www.unionbankph.com/index.php?option=com_content&view=article&id=2037&Itemid=861

      You can use either UnionBank Eon Visa debit card or BPI's Eprepaid Mastercard debit card to shop online.

      Delete
    4. Ok sir. What about if I want to buy apps from Apple app store, can I also use the Eon linked with Paypal to buy some Apple apps? Thanks again sir. :)

      Delete
    5. Yes you can use UnionBank's Eon Visa card for the Apple app store. Just make sure your Itunes account is registered in PH.

      http://www.philmug.ph/forum/f66/unionbank-eon-card-appstore-80727/

      Delete
    6. Ok sir. Thanks for the info. I hope Union bank has a website too so that I can apply for that debt card online. I appreciate your help sir. :)

      Delete
    7. And one more thing sir. Can I apply for Eon even if I'm still a student with no work? The fill-up form in the website requires a work address. What should I do? Thanks in advance sir.

      Delete
    8. Yes, just put in not applicable.

      Delete
    9. Ok sir I appreciate it. I just applied online. On my way to picking up the card on the nearest branch. But I'm thinking how to link it with Paypal. Hope they automatically link it once it is activated. :)

      Delete
  39. hi I had already my e prepaid and na-register ko na din sya sa paypal ko. ok naman kaso my problem is hinde ko makuha yung 4 digit code. nag email ako sa kanila pero malabo ang resonse. anu pa kaya ang pede kong gawin para makuha ang 4 digit code? thanks

    For other concerns/inquires, you may send us an email at
    myeprepaid@bpi.com.ph together with your complete name as it appears on
    your card, 16-digit My ePrepaid Card Number and details of concern.

    ReplyDelete
    Replies
    1. If you have a BPI expressonline account, you'll be able to see it reflected in your statement after a few days (your Eprepaid card must be enrolled to your BPI EOL account-requires you to go to your branch and sign a form).

      Try emailing them again or call 89100 with your info and ask for the EXPUSE number , beside "PP" in your statement. It takes 2-4 days bago magreflect sa account mo. Hope this helps.

      Delete
  40. Hello .

    I need help. What should I do?
    I added my e-prepaid card to my paypal acc. for verification and I just received an email from paypal that my transaction yesterday was declined because of my debit card provider did not allow it to go through. What does it mean? Where I should ask for help with this?

    Thank you. Your reply is highly appreciated.

    ReplyDelete
    Replies
    1. Please make sure your Eprepaid account has the following:
      = linked to your BPI Expressonline account (if you have one). You'll need to go to your bank branch and fill up an enrollment form there.
      = at least Php 150 for Paypal (Php100) and card verification ($1) fees (refunded as Paypal balance in US$ depending on exchange rate)

      If the problem is with BPI, call them at 89100

      Delete
  41. Hi i have a couple questions:
    1. If i buy something online, will i be given a kind of bill or receipt of some sort in my mail listing down my puchases and where i bought them from, or is it an electronic record of some sort?
    2. Do i load pesos into the prepaid card then if i buy something in dollars, it would deduct based on exchange rates? Thanks!

    ReplyDelete
    Replies
    1. #1. Yes, you'll receive an order confirmation and receipt via email by the store/merchant.
      Afaik, you can only see your transaction record if you link it with a bpi expressonline account. You can check your card balance online thru bpi's site.
      #2. Yes, it will be charged based on bpi's rates that varies per day.

      Delete
  42. Hello. Can I ask if BPI still accepts withdrawal from PayPal? I went to 2 branches of BPI near my workplace and they both said that they are not linked to PayPal. How's that.?

    ReplyDelete
  43. Are you referring to withdraw to bank? If you have a BPI savings account, yes, you can withdraw your Paypal balance to your BPI account.

    ReplyDelete
  44. hi. Just want to verify if i can use this card to book a flight on cebu pacific and if it still has the 10k daily limit. Thanks.

    ReplyDelete
    Replies
    1. Yes you can use it for Cebu Pacific. Haven't tried exceeding 10k per transaction though, so it's best to confirm with BPI regarding the limit.

      Delete
  45. Question: I transfered some money from my BPi savings to my Bpi eprepaid card to up my paypal balance, but when I logged on my paypal account the balance is still the same, what's wrong?

    ReplyDelete
    Replies
    1. Nothing is wrong.
      Unless you receive money from another Paypal user, your Paypal balance will stay the same. Adding funds to your BPI Eprepaid will not reflect in your Paypal account.

      If you decide to purchase or pay for a product or service, your Paypal account will get its funds/automatically deduct from your BPI Eprepaid balance, so make sure your Eprepaid has enough funds. Your BPI Eprepaid balance will not reflect as your Paypal balance.

      Delete
  46. NA VERIFIED KO AN UGN E PREPAID CARD KO,,AND STILL PENDIGN PA RIN UGN SA PAYPAL ACCOUNT KO,,SO DIKO MA TRANSFER UGN FUNDS FROM MY PAYPAL ACCOUNT TO MY E PREPAID CARD,,,

    ReplyDelete
    Replies
    1. Afaik, you'll need a BPI account for the transfer. You can't transfer Paypal funds to the Eprepaid mastercard. If it's already linked maybe you can swipe the card/purchased via Paypal and it will deduct from your Paypal balance, or use a trusted & reputable online exchanger.

      Delete
  47. Has anyone used this card on Amazon.com succesfully?

    ReplyDelete