Frequently Asked Questions

Question 1

BayaniPay’s mission is to use technology to break down the borders in banking and level the playing field for all global citizens. Its mobile-first service empowers global professionals working abroad to take financial care of their families and communities back in their home countries. BayaniPay Inc. is a partnership among Talino Venture Labs, The Asian Journal, and Wavemaker Partners, and is the authorized agent of BDO Unibank.

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BayaniPay is a fintech company, not a bank. Bank products and services are offered through East West Bank.

Question 2

What services does BayaniPay offer?

Question 3

Is BayaniPay a bank?

Question 4

Who can send money to the Philippines with BayaniPay?

Question 5

Remittances will be available for claiming within the following time periods depending on their fund source:

From BayaniPay Easy Digital Checking Account powered by East West Bank: 12 hours or less

Most transfers are completed within 24 hours or less. Availability of funds in your receiver's account may vary depending on banking hours of your funding bank and chosen delivery method. Banking hours exclude weekends and holidays. Transfers may also face delays if additional compliance documents are requested and are undergoing verification. Money transfer and other services provided by East West Bank may include fees, see Fee Schedule for additional information.

Question 6

What are the benefits of remitting through BayaniPay?

Question 7

To get started, individuals have to be registered and verified through these simple steps:

Register for BayaniPay: Create an account at bayanipay.com/register and verify your email and mobile number.
Verify your identity: Upload a valid ID (driver’s license, passport, state ID) and take a selfie.
Link bank account: Securely log in to your bank account (instant verification) or enter your account number and routing number (manual verification) to remit to the Philippines.
Send money: Enjoy free unlimited* remittances credited to your recipient's account in 24 hours or less.

BayaniPay is an authorized agent of BDO Remit (USA), Inc.

*Minimum remittance is $99. Maximum amount per daily transaction is $1,999. Other terms and conditions apply.

*Although we will ask you for your bank account or card details for the transaction, we will not store this information for your safety and privacy.
* Money transfer and other services provided by East West Bank may include fees, see Fee Schedule for additional information.

Question 8

How much does it cost to remit through BayaniPay?

Question 9

How do I verify my bank account?

Question 10

Is there a limit for cash pickup?

Question 11

Remittances can be claimed through major Philippine banks or any 1,400 BDO branches, 4,400 BDO Unibank ATMs, or over 8,000 BDO Cash Agad outlets; plus rural banks, pawnshop partners, and ‘Cash Pick Up Anywhere’ locations:

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BDO Branches
SM Forex
Business Centers
PinoyCenters
Palawan Pawnshop
Banko Mabuhay
Villarica Pawnshop
RD Pawnshop
Card Bank
Bank of Florida
QCRB
Rang-ay Bank

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BayaniPay is an authorized agent of BDO Remit (USA), Inc.

*Although we will ask you for your bank account or card details for the transaction, we will not store this information for your safety and privacy.

Question 12

What should my recipient bring to claim a cash pickup transfer?

Question 13

Remittances can be claimed through major Philippine banks or at any of the 1,400 BDO branches, 4,400 BDO Unibank ATMs, or over 8,000 BDO Cash Agad outlets; plus rural banks, pawnshop partners, and ‘Cash Pick Up Anywhere’ locations:

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BDO Branches
SM Forex
Business Centers
PinoyCenters
Palawan Pawnshop
Banko Mabuhay
Villarica Pawnshop
RD Pawnshop
Card Bank
Bank of Florida
QCRB
Rang-ay Bank

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BayaniPay also enables fund transfers to these Philippine banks:

AllBank, Inc.
Allied Bank
Allied Savings Bank
Asia Trust Bank
Bank of the Philippine Islands
BDO Network Bank, Inc.
BDO Unibank, Inc.
BPI Family Bank
China Banking Corporation
Chinabank Savings, Inc.
CIMB Bank Philippines
Citibank
Devt. Bank of The Philippines
East West Banking Corporation
Equicom Savings Bank, Inc.
Equitable PCI Bank
Equitable Savings Bank
Export Bank
First Allied Bank
Guagua Savings Bank
HSBC Savings
Islamic Bank
Malayan Bank Savings and Mortgage Bank
Metropolitan Bank and Trust Company
Phil. Bank of Communication
Philippine Business Bank, Inc.
Philippine National Bank
Philippine Savings Bank
Philippine Trust Company
Philippine Veterans Bank
Planters Bank
Rizal Commercial Banking Corporation
Robinsons Bank Corporation
Security Bank Corporation
Standard Chartered Bank
Union Bank of The Philippines
United Coconut Planters Bank
United Overseas Bank
Veterans Bank

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BayaniPay is an authorized agent of BDO Remit (USA), Inc.

*Although we will ask you for your bank account or card details for the transaction, we will not store this information for your safety and privacy.

Question 14

Remittances can be claimed through major Philippine banks or at any of the 1,400 BDO branches, 4,400 BDO Unibank ATMs, or over 8,000 BDO Cash Agad outlets; plus rural banks, pawnshop partners, and ‘Cash Pick Up Anywhere’ locations:

‍

BDO Branches
SM Forex
Business Centers
PinoyCenters
Palawan Pawnshop
Banko Mabuhay
Villarica Pawnshop
RD Pawnshop
Card Bank
Bank of Florida
QCRB
Rang-ay Bank

BayaniPay is an authorized agent of BDO Remit (USA), Inc.

*Although we will ask you for your bank account or card details for the transaction, we will not store this information for your safety and privacy.

Question 15

What should the recipient bring to claim a cash pickup transfer?

Question 16

BayaniPay also enables fund transfers to these Philippine banks:

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AllBank, Inc.
Allied Bank
Allied Savings Bank
Asia Trust Bank
Bank of the Philippine Islands
BDO Network Bank, Inc.
BDO Unibank, Inc.
BPI Family Bank
China Banking Corporation
Chinabank Savings, Inc.
CIMB Bank Philippines
Citibank
Devt. Bank of The Philippines
East West Banking Corporation
Equicom Savings Bank, Inc.
Equitable PCI Bank
Equitable Savings Bank
Export Bank
First Allied Bank
Guagua Savings Bank
HSBC Savings
Islamic Bank
Malayan Bank Savings and Mortgage Bank
Metropolitan Bank and Trust Company
Phil. Bank of Communication
Philippine Business Bank, Inc.
Philippine National Bank
Philippine Savings Bank
Philippine Trust Company
Philippine Veterans Bank
Planters Bank
Rizal Commercial Banking Corporation
Robinsons Bank Corporation
Security Bank Corporation
Standard Chartered Bank
Union Bank of The Philippines
United Coconut Planters Bank
United Overseas Bank
Veterans Bank

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BayaniPay is an authorized agent of BDO Remit (USA), Inc.

*Although we will ask you for your bank account or card details for the transaction, we will not store this information for your safety and privacy.

Question 17

Remittances will be available for claiming within the following time periods depending on their fund source:

From BayaniPay Easy Digital Checking Account: 12 hours or less

Most transfers are completed within 24 hours or less. Availability of funds in your receiver's account may vary depending on banking hours of your funding bank and chosen delivery method. Banking hours exclude weekends and holidays. Transfers may also face delays if additional compliance documents are requested and are undergoing verification. Money transfer and other services provided by East West Bank may include fees, see Fee Schedule for additional information.

Question 18

Is BayaniPay a bank?

Question 19

What’s the relationship between BayaniPay and East West Bank?

Question 20

Is East West Bank a U.S. bank?

Question 21

What products and services are provided by East West Bank through BayaniPay?

Question 22

What is a routing number?

Question 23

What is a SWIFT code?

Question 24

You may fund your account using one of the following methods: If you are sending funds from another U.S. bank or financial institution, you will need the following:

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U.S. bank or financial institution

U.S. bank or financial institution: If you’re sending funds from another U.S. bank or financial institution, you’ll need the following:

ACH Transfer (funds should arrive within 3-5 business days):

Go to your U.S. bank, brokerage or financial institution and add your East West Bank account as an ACH recipient
You will need to provide your Account Number and ABA/Routing details
Initiate the ACH funds transfer. It typically takes 3 to 5 business days to complete the transfer

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Wire Transfer (funds should arrive within 1-3 business days)

Contact the U.S. bank, brokerage, or financial institution you wish to transfer funds from and request to initiate a wire transfer to your East West Bank account

Depending on the financial institution, you may be able to start the process online. You may also be required to complete a wire transfer form.

Overseas (non-U.S.) Bank or Financial Institution

If you’re sending funds from a non-U.S. bank or financial institution, you’ll need the following:

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International Wire Transfer (should arrive within 5-7 business days)

Contact the overseas bank or financial institution you wish to transfer funds from and request to initiate a wire transfer to your East West Bank account

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Note: Depending on the financial institution, you may be able to start the process online. You may also be required to complete a wire transfer form.

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Additional Funding Methods

For instructions on using other funding methods, including using PayPal or Venmo, tap Move Money > Add Funds

Question 25

What are the minimum funding and monthly balance requirements for the Easy Digital Checking Account?

Question 26

Can I fund my account in a currency other than USD?

Question 27

Are there rules for reopening?

Question 28

What is Zelle^®?

Question 29

You can use Zelle® to send, request, or receive money.

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How to Send Money:

Click "Send Money with Zelle^®"
Follow the prompts to enroll your Easy Digital Checking Account
Enter your recipient's email address or U.S. mobile number
Enter amount to send and confirm
If the recipient is a Zelle^® user, they'll get the money in their bank account within minutes¹

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How to Receive Money:

Share your enrolled email address or U.S. mobile phone number with a friend
Have them send you money with Zelle^®
Get the money in your Easy Digital Checking Account within minutes¹

Question 30

How do I get started?

Question 31

If you see an error upon enrollment, your email address or U.S. mobile phone number may already be enrolled with Zelle^® through another bank or credit union.

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If you’d like to move your email address or U.S. mobile number from the financial institution you’re currently enrolled in to your Easy Digital Checking Account, you can go through the Zelle^® enrollment process again. Click “Transfer” when prompted and confirm your changes.

Your email address or U.S. mobile phone number will be connected to your Easy Digital Checking Account and you'll be able to access Zelle^® through the BayaniPay web app.

Question 32

With Zelle^®, you caWhen you enroll with Zelle^® through the BayaniPay web app, only your name, the name of your bank, and the enrolled email address or U.S. mobile number are shared with Zelle^®. No account information is shared with Zelle^®.When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® notifies East West Bank of the incoming payment. East West Bank then directs the payment into your Easy Digital Checking Account.n send money directly to friends and family anywhere in the U.S., no matter which U.S. bank they use. All you need is their email address or U.S. mobile phone number.

Question 33

Is my information secure?

Question 34

Who can I send money to with Zelle®?

Question 35

Can I use Zelle^® to send money abroad?

Question 36

You can only cancel a transfer if the person you sent money to has not yet enrolled with Zelle^®.

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How to Cancel a Transfer:

Click “Send Money with Zelle^®,” and then click “Activity”
Choose the payment you want to cancel
Select "Cancel This Payment"

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If you do not see this option available, please contact East West Bank's customer support team via email at talk2us@eastwestbank.com or call +1 833.468.8356 for assistance.

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If your recipient is already enrolled in Zelle^®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust and ensure that you use their correct email address or U.S. mobile number when sending money.

If you have sent money to the wrong person, we recommend contacting them to request the money back. If you aren't able to get your money back, please contact East West Bank’s customer support team via email at talk2us@eastwestbank.com or call +1 833.468.8356 for assistance.

Question 37

Are there any fees to send money using Zelle^®?

Question 38

The amount of money you can send and receive via Zelle^® depends on the financial institution you use. Standard limits are $500 per transaction and $500 per day, but these can vary based on your own account limits.² If you need more information on transaction limits or wish to request a limit increase for your Easy Digital Checking Account, please contact East West Bank's customer support team via email at talk2us@eastwestbank.com or call +1 833.468.8356 for assistance.

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There are no limits to the amount of money you can receive with Zelle^®. However, the person sending it to you will most likely be limited by their own bank's transaction limits.

Question 39

Can I send money to someone whose bank doesn’t offer Zelle^®?

Question 40

Will my recipient be notified when I send money?

Question 41

Someone sent me money with Zelle^®, how do I receive it?

Question 42

Money sent with Zelle^® typically reflects in an enrolled recipient’s bank account within minutes¹.

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If your recipient is not yet a Zelle^® user, they’ll receive a notification prompting them to enroll. Once they’ve enrolled, the money will be sent to their bank account within minutes^1,2.

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If your payment is pending, you may need to confirm that your recipient has enrolled with Zelle^®. We also recommend double-checking to see if you entered the correct email address or U.S. mobile phone number upon sending.

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If you’re waiting to receive money, check if you’ve received a payment notification via email or SMS. If you haven’t received a notification, follow up with the sender to confirm that they entered the correct email address or U.S. mobile phone number.

Question 43

How do I request a debit card?

Question 44

Which ATMs will accept my debit card?

Question 45

What fees will I be charged when using my debit card at an ATM?

Question 46

Do I need a debit card?

Question 47

Can I use my debit card with a digital wallet?

Question 48

Where should I contact for customer service regarding my Easy Digital Checking Account ?

Question 49

What is the Buena Mano Rate?

Question 50

Who is eligible for the Buena Mano Rate?

Question 51

How do I avail this special offer?

Question 52

Does Buena Mano Rate apply to multiple remittances?

Question 53

Does the Buena Mano Rate also cover bills payments and bank deposits?

Question 54

Is there a refund policy for Buena Mano Rate transactions?

Question 55

Who should I contact if I have questions about or issues with my Buena Mano Rate transaction?

Question 56

BayaniPay is dedicated to supporting Filipino and Filipino American-owned restaurants. We know that it is part of Filipino culture to celebrate with family and friends over good food, whether there is an occasion or not. A $25 food credit will be given to customers who register with the restaurant’s unique code, and send their first remittance to the Philippines.

Enter promo code: Use the promo code of the select restaurant in the Invite/Referral code section when you are creating your BayaniPay account.
Send money: Complete your first BayaniPay remittance to the Philippines.
Redeem food voucher: You will receive a voucher code and instructions after sending your first remittance. Once activated, you can present your restaurant voucher on your next visit to redeem your free $25 food credit.

Question 57

Where can I find the list of restaurant partners?

Question 58

What are the requirements?

Question 59

I’m a restaurant owner. How can I partner with BayaniPay?

Frequently Asked Questions

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