How to Pay Utility Bills Online through BPI Online Banking

Do you want to pay utility bills online?

Many of us are having a hard time paying our utility bills nowadays due to the lockdown.

Aside from the usual long lines, not all payment centers are open or available.

And since there are no PUVs and tricycles, some people even have to walk a long way to get to the bayad center.

I know… It’s challenging.

But do you know that there is a better way to pay your utilities without having to go out of the house?

Yes, it is possible now with BPI Online Banking.

If you have a BPI account, a smart phone, and you have access to the internet, most likely you can pay your bills online.

Here’s how…

Step 1: Register in BPI Online Banking

Before you could pay your bills online, the first step is to register in BPI Online Banking.

Skip this step if you are already enrolled in BPI Online.

If not, follow the steps on the link below for BPI Online Registration and Activation:

How to Register in BPI Online Banking

Step 2: Enroll or Add Bills in BPI Online Banking

Once you are registered in BPI Online and you now have your Username and Password, the next step is to Enroll or Add your Billers.

How to Add Biller in BPI Online Banking

Follow these steps to enroll Utility Bills or Billers like Meralco, Manila Water, Maynilad, and PLDT.

1. Go to bpi.com.ph.
2. Login by entering your Username and Password.
3. Click Other Services.
4. Add New Recipient.
5. Under Recipient, choose Billers.
6. Enter the required information:
   • Biller – Example: Meralco (Manila Electric Company)
   • Reference Number – For Meralco, it’s your 10-digit Meralco Account Number
     

     Merchant Name	Short Name	Reference Number for Enrollment
     Manila Electric Company	Meralco	Customer Account Number
     Manila Water Company	MWC	Contract Account Number
     Maynilad Water Services	MNILAD	Contract Account Number
     Philippine Long Distance Telephone Co.	PLDT	10 digit account number

7. Click Next.
8. Enter OTP or One-Time PIN (You will receive this on your registered mobile number)
9. A confirmation will be shown on the screen when your Biller Enrollment is successful.

Click here to see the List of Merchants or Billers in BPI Online Banking.

Utility Bills Payment in BPI Online Banking

How to Pay Meralco Bill Online 

1. Go to bpi.com.ph
2. Login with your Username and Password
3. Click Payments/Load
4. Enter the required information:
   • Select BPI Account pay from
   • Amount to Pay
   • Pay to – Select Meralco
   • Additional Reference Number – It’s the last 5 digits of the ATM/Phone Reference Number located at the bottom of your latest Meralco bill.
   • Notes (This is optional. Example: Meralco Bill Payment – April 2020)
5. Click Next
6. Confirm the transaction details
7. Enter OTP (One-Time PIN) and Submit.
8. A payment confirmation email and SMS will be sent to you once the transaction is successful.

Note: When you pay Meralco bill, you need to input the last 5 digits of the ATM/Phone Reference Number under Additional Reference Number. This 5-digit number is located at the bottom of your Meralco bill and it is different per bill.

Related: 5 Ways to Pay Meralco Bill Online

Watch:  How to Enroll and Pay Meralco Bill in BPI Online Banking

How to Pay Manila Water Bill Online

1. Go to bpi.com.ph
2. Login with your Username and Password
3. Click Payments/Load
4. Enter the required information:
   • Select BPI Account pay from
   • Amount to Pay
   • Pay to – Select MWC or Manila Water Company
   • Notes (This is optional. Example: Manila Water Bill Payment – April 2020)
5. Click Next
6. Confirm the transaction details
7. Enter OTP (One-Time PIN) and Submit.
8. A payment confirmation email and SMS will be sent to you once the transaction is successful.

How to Pay Maynilad Bill Online

1. Go to bpi.com.ph
2. Login with your Username and Password
3. Click Payments/Load
4. Enter the required information:
   • Select BPI Account pay from
   • Amount to Pay
   • Pay to – Select MNILAD or Maynilad Water Services
   • Notes (This is optional. Example: Maynilad Water Bill Payment – April 2020)
5. Click Next
6. Confirm the transaction details
7. Enter OTP (One-Time PIN) and Submit.
8. A payment confirmation email and SMS will be sent to you once the transaction is successful.

How to Pay PLDT Online

1. Go to bpi.com.ph
2. Login with your Username and Password
3. Click Payments/Load
4. Enter the required information:
   • Select BPI Account pay from
   • Amount to Pay
   • Pay to – Select PLDT or Philippine Long Distance Telephone Co.
   • Notes (This is optional. Example: PLDT Bill Payment – April 2020)
5. Click Next
6. Confirm the transaction details
7. Enter OTP (One-Time PIN) and Submit.
8. A payment confirmation email and SMS will be sent to you once the transaction is successful.

F.A.Q.s

How can I deposit money to my BPI account so that I can pay my bills online?

There are two ways to deposit money to your BPI account:

1. Go to the nearest BPI Branch and deposit money through the teller.
2. Go to the nearest BPI Express Deposit Machine and deposit money with or without your ATM card. Just make sure you have your BPI Account Number ready.

I prefer depositing money through the BPI Express Deposit Machine because there’s usually no lines and the deposit is posted real time.

If the BPI Express Deposit Machine is not available or under maintenance, my second option is to deposit money at the BPI branch through the teller.

But… let me share with you my tip to make your trip to the bank faster.

Before I go to the bank or while at the bank, I log in to my BPI online account using my mobile phone.

Then I set an appointment using BEA Online Facility to skip the long line of clients or customers who got their Queue Number at the bank.

Within 30 minutes, my Queue number will be flashed on the Queue Screen and I’ll be able to deposit money faster.

I hope I didn’t confuse you, but if I did, watch this video tutorial to know how I set an appointment using BPI Express Assist Online or BEA Online.

Can I pay my overdue utility bills online? 

Most billers accept overdue bills payment online.

However, if you have already received a disconnection notice, your late payment might no longer be accepted online. You need to pay it at the bayad center.

That’s why I suggest you pay utility bills online ON TIME or better yet, before its due date, so you can enjoy the convenience of paying online.

Can I pay my credit card bills online? 

Yes. Click here to know how: Credit Card Bill Payment via BPI Online Banking

Is it safe to pay utility bills online? 

Yes. Paying bills online with BPI Online Banking is safe and secure because:

• It requires the use of User ID and password that you nominate upon enrollment.
• BPI online banking session is automatically terminated after you have left it idle for 5 minutes.
• All communications between your computer and BPI are encrypted using a high-level protocol called Secure Socket Layer (SSL).
• The information that you send to BPI passes through a firewall. A firewall is a computer program designed to stop unauthorized users from accessing your accounts.
• Click here for more info about BPI Online Security.

Conclusion

Paying utility bills is no longer as time-consuming as it used to be.

Take advantage of BPI Online Banking to pay your bills online.

Just follow the steps above on how to enroll your billers and start paying your utilities now.