How to transfer money from BPI to Maribank (formerly SeaBank): Step-by-step guide

If you use MariBank and need to move money to your MariBank account from BPI, you’ve got a few different available options. You can send a payment through Instapay or PESOnet, and you can link your BPI account to MariBank if you’d prefer, for a faster transfer.

Let’s look at ways to transfer money between BPI and Maribank (formerly SeaBank), plus we’ll explore how to link BPI to MariBank, and whether or not it’s possible to get a BPI to MariBank free transfer. We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

Can I transfer money from BPI to Maribank (formerly SeaBank)

MariBank can accept incoming deposits which are processed through either Instapay or PESOnet¹. You can also link your BPI and MariBank accounts to make the process more streamlined² The BPI to MariBank transfer fee and transfer time depend on the way you manage your payment.

We’ve pulled out some key details on each transfer type, so you can decide whether this is the right option for your BPI to MariBank transfer:

*Details correct at the time of writing - 6th August, 2025

BPI to Maribank (formerly SeaBank) transfer time

The BPI to MariBank transfer time depends on how you send your payment. For the fastest available transfer use Instanet, which can arrive in your MariBank account instantly. Otherwise, you can use PESOnet. This is suited to higher value transfers, but has higher fees and a slightly slower delivery time. Payments arranged before the 4:00pm cut off time will arrive on the same business day, but transfers after this time will deposit the next working day.

BPI to Maribank (formerly SeaBank) transfer fee

So - is BPI to MariBank free?

The standard fee for a BPI Instapay transfer is 10 PHP. However, there’s no BPI fee for sending a payment with Instapay if you’re a BPI Preferred, BPI Gold, or BPI Private Banking client.

There’s a 50 PHP fee from BPPI if you send your money with PESOnet.

Depending on how you arrange your payment you might also have to pay a MariBank fee for the incoming transfer. MariBank specifies a 15 PHP fee for transfers made with a linked account, for example⁵.

How to transfer money from BPI to Maribank (formerly SeaBank)

You can transfer money from BPI to MariBank in several different ways:

• Transfer online through Instapay
• Transfer online through PESOnet
• Transfer online using a QR code
• Transfer online by linking your bank accounts

Let’s look at a step by step guide on how to send money online and using a QR - we've got more information about linking your accounts and making a payment coming up right after.

How to transfer money from BPI to Maribank (formerly SeaBank) online

The process you follow to send money from BPI to MariBank online is very similar, whether you want to use Instapay or PESOnet. The fees are different, though - so do make sure you've checked the details before transferring.

The steps you need to take to send a payment from BPI to MariBank are as follows:

1. Log in to the BPI app or BPI online banking system
2. Select Transfer and then To another bank
3. Select the account you want to transfer from
4. Open the tab for either Instapay or PESOnet and select MariBank
5. Type in the account details of your recipient and the amount you want to transfer
6. Approve the transaction with Mobile Key and your money will be on the way

How to transfer money from BPI to Maribank (formerly SeaBank) using QR

Here’s transfer money from BPI to MariBank using QR:

1. Log in to the BPI app or BPI online banking system
2. Select Transfer and then To another bank
3. Select the account you want to transfer from
4. Open the tab for either Instapay or PESOnet and select MariBank
5. Tap or click Do you have a QR code?
6. Scan or upload the QR code
7. Enter the amount you want to transfer, if needed
8. Approve the transaction with Mobile Key

How to link BPI to Maribank (formerly SeaBank)?

The final option to transfer money from BPI to MariBank is to link your BPI and MariBank accounts.

Once you have linked your accounts you can then add money to MariBank from your BPI account, in the MariBank app. Just tap Add Deposit, then select your BPI account, to be directed to the BPI online banking system to make a fast deposit to your account.

Here’s how to link BPI to MariBank⁶:

1. Login to your MariBank app and tap Add Deposit
2. Tap Link New Account and then tap BPI
3. Tap Link Now and follow the prompts to log into your BPI account
4. Verify your account with your OTP and tap Submit

Get paid from overseas with Wise and convert to PHP seamlessly for topping up MariBank and spending locally

Receive foreign currency and exchange it directly to pesos at the mid-market rate with Wise.

Sa Wise, makakakuha ka ng 8+ local account details, kasama ang PHP, USD, GBP, AUD at marami pang iba. Kaya, mas madali at convenient na makatanggap ka ng pera direkta. Mag sign-up ka lang ng libreng account, at mae-enjoy mo nang i-manage ang pera mo gamit lang ang phone mo.

Kapag natangap mo na ang pera mo, madali mo itong i-convert sa 40+ na currencies, with low fees, at sa mid-market rate - ito yung totoo at nakikita mong rate sa Google. Kasama na dito ang pag-exchange ng peso na may one-time conversion fee na nagsisimula sa 0.57%. Kitang-kita na agad yan upfront, walang patong o hidden fees.

Kaya, tumanggap, mag-exchange, at ilipat ang funds mo sa iyong local bank account gamit ang Wise.

It’s simple and stress free - and lets you keep on top of your finances no matter what you’re up to.

🚀 Magsimula sa Wise