What is InstaPay?

Sending money to another
bank or e-wallet in an
instant…that’s InstaPay!

InstaPay is the electronic service that enables you to instantly transfer money from your bank or e-wallet to a different one. It is readily available in the mobile app of partner banks and e-wallets.

How to send money?


Log in to your bank’s
or e-wallet’s online or mobile banking app.


Tap ‘Send’ or ‘Transfer’ money and select the bank or e-money from the drop-down list.


Choose the account you are sending from and enter the amount and recipient details.
Confirm and submit.


Enter your PIN or the one-time passcode (OTP) sent
to your mobile phone.

How to pay?

InstaPay QR Ph doubles the ease and speed of paying for your purchases.

InstaPay QR Ph doubles the ease and speed of paying for your purchases. When you are doing your grocery, buying in-store or online, or paying for your restaurant bill, just scan the QR Ph code at the store or shop, then enter the amount to pay and onetime PIN sent to your mobile phone. In seconds, you’re done.

What’s New?

InstaPay money transfers hit record 1.88 million on Dec. 15

Real-time interbank money transfer service InstaPay recorded its highest single-day volume of 1.88 million transactions on December 15, 2021. Their total value was also an all-time high of Php12.93 billion. According to InstaPay operator BancNet, this volume is 54%...

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Over 200,000 stores now accept payment via QR Ph Code

Mobile app users of InstaPay partners can now enjoy the ease and convenience of paying for their purchases by simply scanning the QR Ph code at more stores and other businesses nationwide, numbering over 200,000. These stores represent a 566-percent increase over the...

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