Are you one of those people waiting 1-2 hours standing in line at Bayad Center, LBC or Cebuana Lhuillier to pay utility bills? And did you know that there’s BPI scheduled bills payment?

Read Updated Post: How to Pay and Schedule Bills Payment in 2022

Offline payment is a waste of time, really. You could pay online in under 3 minutes or set it up one time and never worry again in the future. Sounds amazing but it’s true. It’s all possible via BPI Express Online. And you can do this through mobile or PC. It’s that easy. In this post, I will show you how to do that.

Read Updated Post: How to Pay and Schedule Bills Payment in 2022

How to Enroll Utility Bills in BPI Express Online

This is the first step in your hassle-free bills payment. You will enroll your/others’ bills in BPI Express Online in a few easy steps!

1. Head over to http://bpiexpressonline.com and click “Personal Login”

2. Enter your username and password. Click “Login”

3. In your dashboard, hover to “Payments and Reloading”. A dropdown appears, hover to “Bills Payment”, then click “Enrol All Other Bills”. See image below


4. Fill out the form

a. Choose the source account that will be used to pay your bills.
b. Enter the Joint Account Indicator (JAI) located in the lower right corner of your ATM card. See image below



c. In the dropdown, choose among the wide array of bills that you want to enrol. You cannot enrol multiple bills simultaneously. Do this one by one.

d. If you enroll COLFinancial, enter your 8-digit account number. It usually starts with 0400

Related: How to Open a BPI Account Online

e. For Meralco, you will enter the ATM Reference number located in the lower/upper left part of your bill

f. For credit cards, you need to go to any BPI branch to execute the enrolment. They will assist you. Just be ready with your credit card and valid ID because you will need it in the enrolment process.

g. For Globe/Smart, enter your account number as well

h. For Dragonpay, follow the instructions in the email for the reference number to be used in the enrolment

i. If your merchant cannot be found in the dropdown list, go to the nearest BPI branch and they will help you out.

j. For security, add your email address used in BPI Express Online

k. Click “Submit” button and you’re done. Check your email. You will receive a notification of your enrolment :)


How to Pay Bills Online Using BPI Express Online (One-time Payment)

Now here’s what you are waiting for! If you have followed the enrollment steps outlined above, you should now be able to pay in a minute.

The steps below are intended for one-time payment only. If you need to pay for a multiple period say monthly, proceed to step 3.

Related: How to Cash In to GCash via BPI Online

In your dashboard, hover to “Payments and Reloading”. In the dropdown, hover to “Bills Payment” and click “Pay Bills Today”. See image below


1. In the dropdown, select the bills you want to pay

2. In the amount that you need to pay. You may not include comma or decimal. But for bills that you need to pay in exact, include the decimals. Say, your Meralco bill is Php 5,378.56, enter “5378.56” in the field. For COLFinancial, do not pay less than Php 1,000 or you will pay a bank charge of Php 10.00

3. Choose the source account for the payment.

Related: How to Withdraw Funds From Payoneer to GCash

Note: Make sure that your source account has sufficient funds else, payment will not be successful

4. Click “Submit” and you’re done! J Check your email for the confirmation. You should see something like this.




How to Set Up BPI Scheduled Bills Payment in BPI Online

This is the best part, perhaps! If you are hassled with paying your bills every month which sometimes you might forget, which results to late payment fees and charges then this is for you.

You can set up an automated bills payment so you don’t need to pay manually every month. This is the most incredible part of taking advantage with technology that we have. Without further ado, here’s how to command the robot!

In your dashboard, hover to “Payments and Reloading”. In the dropdown, hover to “Bills Payment”, hover to “Scheduled Bills Payment” and click “Schedule Bills Payment”


1. Fill out the form. In the dropdown select the bill you want to pay

2. Enter the amount

3. Choose the source account for the payment

4. Tick “Recurring Payments”

5. Choose “Monthly” if you need to pay every month or “Quarterly” if you pay every 3 months. Specify also how many months that you want this scheduled. In this case I chose 12.

6. Choose what date to start.

Tip: For employed individuals, you can opt for every 30th of the month so that as soon as you receive your pay, your bills will be settled in an instant.

Note: Two things to consider here.

  1. What specific day you can receive your income/pay so that your source account will have funds
  2. The cut-off date of your bills. It makes no sense if you pay automatically but late. You will still incur charges. Think about these two before you decide.

7. Tick “Do not alert me”. This is optional but if you don’t like notification emails then this is for you.
Click “Submit”. Voila, you’re done with the setup! :)



How to View, Edit Scheduled Bills Payment

This step is optional but essential. In most cases you want to check what bills are scheduled so that you can manage your finances or maybe modify the dates of your scheduled bills payment.

Here’s how to do that. In your dashboard, hover to “Payments and Reloading”. Hover to “Bills Payment”, hover to “Scheduled Bills Payment” and click “View Scheduled Payments”


On the next window, select the source account. Now you can see all your scheduled bills payment!

1. If you want to cancel the scheduled bills payment, tick the bill on the left that you want to cancel and click “Cancel”
2. If you want to edit the date or frequency of bills payment, tick the bills on the left and click “Edit”. If you want to erase all, click “Reset”




Now you have taken advantage of what online banking can offer. You are few miles ahead of everyone doing the old-fashion way. This is not for BPI only. If you have other online banking accounts you can do so as well.

Share this post so that others can benefit as well. Let us save our most precious asset – time. Enjoy the automated life! :)

Written by
Written byPaul Dabuco
I’m Paul Dabuco, the man behind Juan Investor, one of the top personal finance blogs in the Philippines. I’m passionate about investing and digital marketing. When I’m not blogging, I’m either tinkering on my clients’ Facebook ads or beachbumming. You can read more about me.

Leave a comment

  1. midnightlemonade 05/29/2018 at 03:51 - Reply

    hi, may I ask, can I pay my utility bills using BPI Credit Card? If yes,is it also applicable through online? thank you

  2. Paul Dabuco 02/04/2019 at 16:47 - Reply

    Hi, yes you can. You only need to call the hotline to enroll your utility bills on your credit card.

    Yes, you could also pay your utility bills online.

  3. Anonymous 05/26/2019 at 14:42 - Reply

    Hi, Paul. Can you update or make a new tutorial/guide for the same topic but with the new website of BPI (https://online.bpi.com.ph/)? After logging in and going to Other Services > View Scheduled Transactions, there doesn't seem to be an Add functionality under "Manage Scheduled Transactions", but it seems you can delete existing ones. Hope to hear from you soon. Thanks.

  4. TED 08/12/2019 at 11:47 - Reply

    Hi Paul… This is one great tutorial guide you have here. Wonder if you have any updates doing the same with BPI's new website? There seems to be lack of option for recurring payments.

  5. Unknown 09/28/2019 at 04:54 - Reply

    BPI change its online website, can you kindly update how to schedule payment? I can't find it in the new website. thanks in advance

  6. Paul Dabuco 02/09/2020 at 18:25 - Reply

    Hi Ted, I wrote a blog post about the new tutorial! It should be up in few hours with this link https://juaninvestor.com/2021/01/schedule-bills-bpi.html

  7. Paul Dabuco 02/09/2020 at 18:26 - Reply

    Hello, I have a new blog post for the tutorial. You can find it here https://juaninvestor.com/2021/01/schedule-bills-bpi.html

  8. Paul Dabuco 02/09/2020 at 18:27 - Reply

    As requested, I wrote a new blog post for the tutorial. You can find it here https://juaninvestor.com/2021/01/schedule-bills-bpi.html

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