Hey guys! I’ve been a loyal BPI Account holder for years and it’s my first time to experience this inconvenience. BPI for me has the best customer service when it comes to face-to-face conversations. They are just a bit slack and probably not yet too organised with regards to their online customer support.
Read till the end of this article so you know how to handle this kind of frustration because of a sudden inconvenience.
My experience
I deposit this certain amount using the Deposit ATM Machine. After my transaction, the machine removed my card along with the notice on the screen MACHINE UNAVAILABLE! I waited for a minute to check if the machine will get my cash out of the machine, but it didn’t so I left.
At home, using the BPI App, I quickly checked if the cash I deposit came through my account, as we all know BPI does real-time account updates. To my surprise, the money I deposit didn’t came through! I called my cousin Sai who’s familiar with these instances so she advised me to report it ASAP. Which I did!
2 Failed Attempts
First, I tried to call their hotline (number provided below) but I was waiting for an agent to pick up my call yet nobody’s picking up! So I just ended up leaving a message and asked them to call me back on my mobile number. Next day, no call from BPI.
Secondly, I sent a complaint email to expressonline@bpi.com.ph The Customer service was able to respond promptly via email and promised that a customer service agent will call me. Still, no call from BPI.
How to resolve this?
Here’s the big question, “What exactly you MUST do and How can you reach BPI Customer Service via phone call to get this sorted out ASAP?”
I won’t keep you waiting, read the quick steps below to get your money to your account ASAP.
Step 1: Do NOT leave the machine and get the 4-digits Terminal ID
The 4-digits Terminal ID is required to process your complaint and get your money to your account.
You can get the Terminal ID in two ways:
- The Terminal ID can be found in the deposit Machine where you did your transaction, look at the top of the screen that reads TID XXXX (4-digit numbers). Save the 4-digit Terminal ID on your phone or write it on a piece of paper. The customer service will need the 4-digits from you to process your complaint.
- INQUIRE BALANCE in the deposit Machine where you did your transaction and PRINT THE RECEIPT. On your receipt, find the LOCATION, below it, you will find 9000XXXX (4-digit numbers). Keep the receipt on your wallet and get it ready when the customer service asks for the 4-digits Terminal ID.
Step 2: Remember the Time, Date, and BPI Branch
Take note what time, date and branch where you did your transaction. These information will be asked by the customer service agent to help you resolve this case.
Step 3: Call BPI Customer Service
Get your landline phone and contact BPI’s 24/7 customer service hotline. Just be patient waiting for a customer service agent to pick up your call. It took me 20 minutes. Yeah frustrating hey!
Get your Account number ready. The customer service agent will also ask you a few questions to verify that it is your account.
- For provincial PLDT subscribers dial 1-800-188-89100 (toll-free calls)
- 89-100 for Metro Manila
The customer service agent will tell you that they will investigate your complaint and you have to wait 3 banking days to get this resolved.
IMPORTANT: Make sure to save the REFERENCE NUMBER provided by your agent. If this is not provided, you need to ask for it, remind the agent. You will need the Reference number in step 4.
Step 4: Follow Up
Call the hotline provided in Step 3 to follow up your case, get your reference number ready and tell it to the customer service agent.
I suggest calling BPI Customer Service everyday to speed it up.
Step 5: Check your account
After 3 banking days check your account if the cash you deposit came through. If your money didn’t appear on your account yet, repeat Step 4.
Hope I was able to help you handle this kind of frustrating situation. Share your experience on the comments below. 🙂
Yza, were you able to give them the terminal i.d. and all necessary details? Definitely a branch visit. Stay calm, BPI staff are the most polite bankers I’ve experience, hope they will get this sorted asap. Please keep me posted.
Hi! I have the same issue. What i did i called the cust service right after the incident which is saturday. Today is wednesday so since its already the 3rd business day i called to make a follow up. The rep explained that the resolution of the said case says NO TRANSACTION FOUND. Im really frustrated right now since i deposited quite a big sum. Im planning to visit the branch tomorrow to complained again.
Shocks! I deposited 25K just this 1:23 am sa deposit machine and to my surprise when I logged in via bpi app it was not credited. Luckily i have the transaction receipt and i did this sa branch mismo kung saan ang account ko. Good thing you have this article so I am hoping na 3 business days lang talaga or by Wednesday sana macredit na given na holiday kase sa monday April 9. Kailangan pa naman yung pera for travel schedule tonight. Sakit sa dibdib ito. I am used in using the deposit machine during wee hours to avoid traffic and long queue sa bank pero this happened. It only shows the unreliability ng systems ng bpi. Sa bagay security measures nga nila nag fail several times. Worst yung pinaka recent na nagkalipatan ng pera, incident that drove diff speculations; my business partner’s account had a 50K sudden loss during that time and it took more than a week bago nagsimulang mabalik sa kanya paunti unti. They may have the best frontliners to many of their branches but unfortunately not the best technology, could even be the worst. Haaay.. ka depress
Btw, today April 7, nacredit na yung 25K. You really need to have them expedite it quick. They’ll do it!
That’s good to know Ron! Thank you for sharing
Hi yza.. didnt they return your money. I am having the same situation right now. No feedback yet. Even its the third day. Huhu
hey, did you get your money back?
Same problem here,, I have deposited a large sum of money yesterday (i truly regret this and should have make the transaction over the counter), I reported it to the branch support and a statement and declaration of money loss was documented and was reported immediately using their system. I’m in real trauma right now as the amount of money that was not credited is almost worth of my 2 year work savings. The cash accept machine is located inside the bank itself, only a few were credited to me using that machine (oh how i truly regret this action!) , I’m so depressed right now, and the only thing that can cheer me up is when they can get my money back :(, to add fuel to the fire, its the holidays and it seems that It would take time before an action can be done with my predicament, Oh i really hope there won’t be a case wherein they would say that no transaction was done 🙁 , ang tagal ko sa nag deposito don gumawa na nga ako ng pila sa katagalan.
Hi Blayke i am very sorry for delayed response, but hope everything is sorted out now? i’ve been getting a lot of concerns about these cases and fortunately, everyone is getting their money back. oh dear, i hope your money was given back to you, let me know please. But yes next time specially if its a big amount, always do your transactions over the counter, doesn’t matter if there is a long line as long as your money will surely be credited to your account.
Hello good day, I am also the victim of that cash deposit. Last saturday 7pm and untill now there is no agent to call me up. I already reported my case in online email and also the branch that I deposited my cash. What can I do please help me.
Hi Gail, you need to follow up everyday. Have you called BPI agent to report this too? Please refer to STEP 3 above.
For provincial PLDT subscribers dial 1-800-188-89100 (toll-free calls)
89-100 for Metro Manila
Let me know how you go.
Rest assured BPI will get your money back. It usually takes 3 banking days, if not, continue to follow up through BPI customer service
Hello there guys! Same problem with mine. Ganyan din ngyare saken now. Napansin ko lang parang same tayo lahat na Saturday night ngyare. Please let me know guys kung nakuha niyo pera niyo. I am so stressed now.
Hi Apol, so far lahat ng nakausap ko about this same concern, nakuha nila pera nila. Follow up and check your account everyday lang.
Hi, I ‘ve experienced the same last friday , March 09,2018. It’s a big amount that’s why I’m in so much stress right now. I’ve already called BPI, the rep told me to check my acct. after 3 business days, I hope they will give my money back.
Hi Sara, yes they will surely give your money back.
I also encountered this problem this day, 12:50am-1am (3/15/2018).
I encountered Hardware error then transaction cancelled but no receipt and money returned.
I am really worried, baka kase walang logs or may nakita akong ibang reviews na sabi daw sa knila is “No Transaction” or ‘No excess money’ daw.
It is quite big money for me. I already called customer service right after the incident and also earlier. Kasi sabi saken dapat 6am magcredit sa account ko, that;s why i followed up earlier. Buti na lang din navideohan ko un kaso nung nagtransaction cancelled na sya and maririnig ung pag alboroto ng machine. And also the guard there.
My question is, may nakaexperience na kaya na ndi nabalik ung pera? i am really really worried.
Hi Cecile, so far wala pakong nakausap na hndi nabalik pera nila. Keep on chasing BPI and monitor your account to see if nabalik na pera mo.
Hi Cecille,
Same incident, nagHardware error then ang machine, tapos walang receipt na lumabas , and the amount was not credited. Just checking , na return ba ang money mo? After 3 days? I am reall stressed cause it is quite a big amount also. I need to wait till Monday to report it to the Bank where I did my transaction , however i already reported it to the CS. They really need to return it.
Same happened to me last July 24, 2018. It’s been 7days, di pa rin nacrecredit un funds ko. Mejo kalakihan din un, worst pambayad un ng bills at carloan ko. Everyday ako nagff up sa hotline nila at kht sa branch. Super stressed at worried nko kc un initial report dw nila is wala dw ganun funds na pumasok on that day. Dko na alam ang gagawin ko.
Nakuha po ba nyo un funds nyo? And gaano po katagal bago crinedit sa acct nyo?
Hello Ms Chariza, nakuha ko po yung pera ko. Explain saken ng teller is kapag deposit naten sakto nag offline ang system kaya ngyayare yon. They give my money back Monday night just 2 days. Thank God! Nag call ako right after kinain ng machine yung money ko which is Sunday morning yon. So wala bank. Tapos Monday pumunta ako sa mismo branch kung saan kinaen money ko makikita nila na hindi na debit. No worries guys. Ibabalik nila ang perang pinag ipunan naten.
buti kapa 2 days lang, ako more than a week na wala parin til now. And i dont really know what to do, i always make follow ups everyday. sana meron na
buti kapa 2 days lang, ako more than a week na wala parin til now. And i dont really know what to do, i always make follow ups everyday. sana meron na
Their deposit machines are garbage! They have 5 in Araneta Center and they all have problems ALMOST ALL OF THE TIME. Either laging offline (hello Ali Mall, Gateway, Manhattan Parkview, at yung malapit sa LRT) or worse, hindi tinatanggap yung pera ko (branch near anytime fitness). Mapipikon ka sa deposit machine diyan sa anytime fitness! Keeps returning the bills. It doesn’t matter if they’re new bills or of average wear, the machine won’t accept about 90% of the bills I try to deposit, particularly if the bills just came from another ATM machine.
I go through this hell every week since they’ve had these machines, walking around Araneta Center to find one that works. Medyo magkakalayo sila ng kaunti, so mapapa exercise ka ng bahagya. If I’m not successful, which is more often than not, I have to do an over-the-counter deposit when the branches open at another day, even thought evenings are the most convenient time for me to do errands.
Bottom line is I can’t rely on these machines (yes, all 5 of them!) at all. Buti pang ibalik nila yung envelops! With the envelops, I don’t have to hunt down a machine that’s available and no bill gets rejected. The money doesn’t get credited in real time, but at least I’m not going through the seven circles of hell to deposit it.
*9 circles
Hi ,
Same incident, nagdeposit ako ng almost 25k , just today, Saturday and nag hardware error. I checked my account and hindi na credit. Sa Monday pa ang bank open. I’m paranoid!
Hi, I did my deposit kanina sa mall ayala center cebu and nag hard ware error I deposited my first sweldo and hindi ako makatulog kakaisip kung paano mababawi ang pero ko dami ko pa namang bills na babayaran tapos kinaina lang nga bpi yung pera ko. I’m so frustrated right now. I can’t even make a phone call kasi hating gabi na.
Thank you for this post, your guide and comments. They calmed me down when I had a problem similar to this!
The machine took my money (almost 2 months worth), ejected my card, went blank, then went back to the Start screen without any receipt of transaction record. I immediately checked my BPI app, and true enough, it was not credited. I reported it inside the branch but I had to wait 1.5hrs to file an incident report (kasabay ko sa pila mga kumukuha ng EMV cards, ang dami nila) & looking back, it would’ve taken me less than a quarter of that time to deposit OTC. I got my money back after 3 banking days (they told me 2-5 banking days).
Glad this blog helped you Christine. That’s true , it is better to do OTC specially if it is big cash. This explains that machines are not very reliable and could really act up !!
Hello, good day. It also happened to me. I deposited 11k to my account (Sunday night) but after ko malagay ung pera sa bpi machine, nag HARDWARE ERROR sya, at hindi na nilabas ung pera. I checked my account pero hindi sya nacredit. Do I need to physically visit the BPI bank where I did my transaction (para mapabilis ung pa process??) or pwede na itawag nalang sa customer service just like your instruction? thanks a lot.
Call the customer service po. Pag pumunta ka kasi s bank yun din po ang sasabihun nila sayo.
Hello po! Thanks for letting me know na “hindi lang pala ako” ang nakaranas ng ganitong klase ng incident. Same situation as yours (and sa mga nag-comment) po. Nakakapraning! Then I followed your advice. I asked two guards-on-duty inside the branch but their advice is to call 89-100. I called the CS just minutes after the incident and no one’s answering. I tried today and someone talked to me. Hoping that after 3 banking days, BPI will credit the money. The CS also gave me a reference number for follow-ups. Will update you regarding this incident. Thanks for the help!
Hi Ivan, good to know na nakatulong tong blog 🙂 keep on following up sa CS, mababalik din yung pera sa account mo.
Yes yes! Thanks so much po. I’m really searching in the net in relation with what happened to me last Thursday and I found this blog. I’ll keep you updated po and HOPEFULLY ma-settle itong incident na ‘to. Will follow up BPI rin after three days, as per their advice. Thanks again!
Yes and keep on checking your account to see if nabalik na yung pera mo.
This happened to me last Friday June 15. Really a bad and traumatic experience. Im on my way to the bank where the machine I deposited my money to since no one from BPI customer service seems to care giving me a call and since I have ticket filed for the complaint ill be physically going to the bank. Hopefully this will resolve the problem. I deposited 40K and its really frustrating.
Is anyone who posted their concerns here has their issues resolved already?
Hi Jo Ann, yes most of the issues were actually resolved. Keep us posted.
This same issue happened to me 2 hours ago… Sobrang stressed ako ngayon.. Mejo big sum.. Panggastos ng buong family namin for 2-3 months. Naiyak ako kanina sa bank sa sobrang stress (sakit sa dibdib eh.. tapos hindi pa makausap ng matino yung guard) Good thing nag balance inquiry ako agad kanina. Nakuha ko yung exact time kung kailan nangyari… natawagan ko na rin yung CS.. 3-5 working days daw pero kukulitin ko.. mabuti nabasa ko ito…
Hi Gelai, keep checking your balance, and follow up sa CS. Glad the blog helped 🙂
Hello Guys. This also happened to me last Wednesday June 20, pumunta ako ng branch kung saan ako nag deposit then ang sabi sakin na credit na daw pero wala history na may na credit sa bank statement ko so nag report ulet kame then follow up nalang daw ako this week . huhu
Nangyari din sa akin last Monday (July 2, 2018). Machine unavailable before bilangin yung cash sa tray, ineject lang yung card. Kinausap ko lang yung bank rep kasi banking hours lang yun, filed a complaint form and was advised to wait 3 banking days para ma-credit sa account. Ibabayad ko rin sa credit card ko sa kanila. Balitaan ko kayo pag nakuha ko na mamaya dahil today (Wednesday ko raw ifollow-up kung di pa na-credit).
Same case happened when my Mom deposited money to my acct last friday June 29, hardware error din, transaction cancelled, after she fed the cash and no receipt came out.. no money was credited to my acct.. nakapagfile naman c Mom ng incident report right away dun sa branch where she deposited thru CAM and the teller said wait for 5 banking days.. But just to make sure i called the cust care the same day but no one’s picking up the call so i decided to call the next morning, Saturday na un.. the CC said they have to investigate the incident and wait for 3banking days.. since the incident happened, i always check my acct balance hoping that it’s already posted and last tuesday, a certain amount or just 40% was credited on my acct not the 100% so what i did is to call again the CC and they gave me another ref# and been advised to wait again til Monday.. hope they’ll give me back the remaining balance asap!! Thanks for this blog though!!!
This also happened to me today. I was really frustrated. IT is a huge amount of money that i was saving for a long time. I reported the case immediately to the clerk in charge a while ago. I really hope they will bring the full amount back in 3 banking days.
Hello everyone. its been a week and still BPI didnt credit the cash in my account. What am I supposed to do? Im really worried right now.
Hi Kath, have you followed up on their cs call support?
Yes po. I’m calling them everyday and i went to the bank to follow up. They said wala pa dw feedback from the concern unit. Im very worried kasi baka di nila maibalik un cash or it will take too long. 6days na po ako nag aantay. All of my savings i deposited there kasi nagkakaissue sa kabilang bank ko. Pero worse pala nangyari dito. Im planning to report this to BSP to let them credit my money immediately. Do u think that would be a good idea?
Hi Kath –
Same happened to me last July 24, 2018. It’s been 7days, di pa rin nacrecredit un funds ko. Mejo kalakihan din un, worst pambayad un ng bills at carloan ko for 4months. Everyday ako nagff up sa hotline nila at kht sa branch. Super stressed at worried nko kc un initial report dw nila is wala dw ganun funds na pumasok on that day. Dko na alam ang gagawin ko.
Nagemail din ako sa corporate email ng bpi at copied si bsp.
Halos mangiyak ngiyak nko kakaff up..
Hi mae. Same here july 24 din. And up to now still processing pa dw sa department nila. Nag email na rin ako sa bsp. Para mapabilis yun pagkuha ng pera ko. Sabi ko sa bpi bat kasi hndi na lang nila ipaopen yun machine at makkita naman nila dun yung cash ko. Kelangan ko n din yun mag aaugust na. Dami kong babayaran.. stress na stress na din akom 118,000 un nadeposit ko dun at lahat yun pumasok. Pero wala lumabas na risibo. Hadrware error lng lumabas.
@mae.. inform nio po ako kung naibgay na sa inyo un uncredited deposit nio. Thanks po.
Hi Kath –
Nagreply na ang BPI, imonitor ko daw until tomorrow kc for crediting na dw. Hopefully, sana nga meron na by tomorrow.
Hi Kath –
I just checked my account, funds has been credited. Hope yours will be fixed too.
I am thankful for this blog.
Glad the blog helped Mae. Thank you! Kath keep on calling the CS support to follow up. And check you balance everyday.
Hi mae. It’s really nice to hear that. I hope they will credit my money by today too. I’ll keep u posted.
Im glad to inform that the BPI already deposited to my account the full uncredited cash after 8 days of desperately waiting. But still thank God. Mam chariz thanks for this blog also. It really helped me and ease my stress during those days. God bless!!
I’m so happy to hear that Kath 🙂
Ayun, this happened to me the other day lang, itinawag ko na sa customer service. Wait daw after 3 banking days. HARDWARE ERROR siya after madeposit yung pera then walang transaction slip na lumabas, hindi rin kinonfirm sa screen kung nabilang ba ng tama yung cash, niluwa lang yung card ko and the machine just proceeded to the initial screen like nothing happened. Inattempt ko gumawa ng transaction ulit hoping na bumukas yung tray and ayun, wala na yung cash ko dun. While I am very positive na mababalik nila yung money, ang kinakatakot ko lang is baka portion lang ng dineposit ko ang mababalik since 3 attempts yung ginawa ko dahil may bills na ayaw tanggapin ng tray. Unang reading niya is 9K then nilagay ko ulit yung remaining bills, naging 10K then the third time 11K na then nung last na sana (para 12K) na “add more cash”, dun na nagerror. Ang hassle kase pambayad ko pa ng tuition ng kapatid ko un. Sana maayos na, I’ll keep you guys posted.
Hi John.. advised ko lng sayo follow up mo lagi sa email at hotline nila para maibalik agad sa iyo yun cash mo. Ganun ginawa ko talagang lagi ko sila kinulit di kaya madali kumita ng pera ngayon. Anyway good luck sayo. Update mo nlng kam dito. God bless!
Ayun, may update na. For crediting na daw. May nareceive din akong message kanina, confirmation lang na valid yung dispute ko, at irerefund na daw nila. Sana pumasok na by today.
Keep checking you account everyday John. Babalik din nila yung pera mo.
I’m just thankful somehow na nag eexist tong page na to. At least nagkakaroon ako ng peace of mind na maayos ng BPI yung issue. Since most of the incidents na naireport dito naayos naman. Sana meron na by tomorrow. Thanks admin 🙂
You welcome John. Keep us posted po 🙂
Yay! Finally, naibalik na nila, in full amount. *sigh of relief. Thank God!
I’m so worried. This happened to me last night and they said there is no record of a transaction. They asked me to wait for 3 business days and I really need the money now. I don’t trust BPI anymore. Once they credit my money, IF THEY DO, I’ll close my accounts. But do you really think they would return it?
yes they will return it Cess
Got a similar situation here. Happened yesterday at 1:30 AM. After depositing 15k PHP in my account, it took some time for the machine to process. To my surprise it dispensed my ATM card, no receipt and cash uncredited. I immediately called ATM CC and they advised to wait for a response within 3 banking days. I’ll keep you posted.
Got my deposit this evening. BPI kept their word.
That’s good to know Nicko!
I have a similar problem, pero walang error or something. It simply did not credit to my account. I’ve deposited between 10-11pm. I’ve called BPI and hopefully ma-resolve soon… I’ll try to update here in any case.
Hi, I just deposited 3k just now, Sunday at 1AM. The machine froze in “Processing your transaction.” Then after about 3 mins, the screen showed “Transaction Failed (Except Transfer).” Then no receipt was generated. I also tried to inquire balance thru the machine but the same error showed and again, no receipt. All I can secure is the terminal’s TID, but other than that, how can I prove that I deposited 3k cash? It may be a small amount for some but still, it’s my hard earned money. I emailed them and I plan to call them tomorrow morning when I get home.
you need to call them, see steps above. it will be on their record that you made the deposit
I was the one who commented on sunday but it didn’t post yet, kahapon kase nagcheck ako ng balance monday wala padin. So, ngayon araw tuesday, pinuntahan ko mismo ang bangko. Ang sabi nila no amount has been found daw kay binigay nila sa officer under investigation daw for one week 😯
sana macredit na nila within this week kase kailangan ko nadin 😯 nung february 14 pako nag file eh, sana maibalik din ang pinaghirapan ko for almost 1 year gaya ng mga nagpost ng comment dito, salamat po,
Thanks God ☺ nadeposit na nila yung money ko this evening 🙂 salamat kay manong guard, sa security at sa cctv nila 🙂
wow buti nalang! thank you for updating us Jerome
I just had this kind of issue too, deposited in 34K, then the cash slot opened suddenly and I just tried to put back cash, while it closed and but its shown on screen , then, no cash back and no ANY RECEIPT GIVEN, its lucky a madam behind me helped me out, she firstly went to BPI nearby branch for calling guard to come, I dint dare to leave and let other to deposit because I was afraid it will messuo my transactipn, while it is not not fair for the long queue behind me, so I stand away and let others deposit their money, in 10mins, she comed back saying they just let me call the custommer support. and I used my cellphone to call them, my balance ran out because of the landline charge, so the madam made a call with her phone, finally, some CS picked up the call, and I reported my case and got reference #, now awaiting their settlement. I am Chinese working in Philippines, not wanting to say bad about this country, because so many people helped me out during my stay, but I have to say something here like ATM, internet and bank service really frustrating, the comforting part is the Filippino are the MOST helpful and kindest people in the world !
Hi thank you so much for putting this article together. This incident happened to me earlier this afternoon. Luckily I was able to report it straight from the customer service rep. Really hoping I’d have my money back after 3 banking days. This is so stressful!
share ko lang po, kase yung old nilang mobile app ayaw mag-pasign in, ewan kung baket, don nalang daw sa latest, tapos hindi pa magamit pang online purchase, like shoppee, lazada, anu ba pede gawin? hopefully maupdate, upgrade na nila lahat, atm, deposits, debit, credit, etc. thanks yan lang po,
patulong lng po ako 🙂 nag deposite po ako nung april 8 2019 monday po pero yung lumabas din sakin hardware error po sabi sakin wait daw ako 3banking days bali april 11 po ako babalik bukas na po thursday . pero pumunta ako kanina nag follow up lng po ako pero sabi sakin offline pa daw balik daw ako bukas kung mag oonline na daw. tama po ba yan? sure po ba na babalik yung pera ko na, nadeposite ko patulong naman po.
yes sure po yan mababalik, e follow up nyo din po sa customer service hotline nila via landline para di nyo na need pumunta sa branch
Hi! im a victim din po! 😞 wait ko pa po daw 4 banking days! i will never forget po talaga ang araw ng kalayaan if ever po hindi maibalik yung pera ko! Thank you sa article mo, while reading d steps may ganun din po akong gnawa kanina. So Im hoping na mababalik pa po yung pera. Lesson for today: Wag nlng po muna magdeposit kng walang office yung bank! 😅