#P15 transfer fee

That means faster transfers but possibly added fees depending on the partner bank or e-wallet. For non-InstaPay transfers, expect a Php15 fee per transaction. SeaBank also clarified that it won’t charge users any fees when using the app’s Mobile Banking page to transfer funds. Metrobank has announced a significant reduction in its InstaPay transfer fees, introducing a new flat rate of ₱8 per transaction beginning February 1, 2026. Previously, Metrobank charged ₱25 per InstaPay transfer, although the bank had waived fees for transactions worth ₱1,000 and below over the past year. With the new pricing structure, all InstaPay transfers—regardless of amount—will now carry the ₱8 service fee, simplifying costs for users. While the fee waiver for small transfers is ending, the lower flat rate may benefit users who frequently move larger amounts. Bank of the Philippine Islands (BPI) has decreased its InstaPay interbank transfer fee to Php10, but for a limited time only. Read more in our articles including "SeaBank shifts to InstaPay as default for linked cash-ins, P15 fee applies to non-InstaPay transfers" and "Metrobank cuts InstaPay transfer fee to ₱8 flat starting February 1".