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05SI Service Charge BPI: Explanation

Did BPI charge you a fee with a description of “05SI service charge”? Don’t you know what is it for? If yes, check out this post.

Did BPI charge an amount with the “05SI service charge“ description to your account? Don’t know what it means? Read on!

Time to Update

I first wrote about this topic in 2016. Like some, I dunno what is it for. So, to get an answer, I called BPI.

Fast forward, today, May 30, 2020, I noticed that the same charge topped a list in Google Trends. I then checked my old post’s stats and saw that there are still some accessing it.

I thought it’s time to make an update. So, I created this separate post.

05SI service charge on the BPI Express website (2016)
05SI service charge on the BPI Express website (2016)

So, what is 05SI service charge?

So, what is 05SI service charge?


IT is the sum of the fees for withdrawing cash via non-BPI ATMs. The current fee is 15 pesos per transaction.

So, let’s say, I have a BPI debit mastercard. Then, this May, I’ve withdrawn cash via a BDO ATM on two separate days. Therefore, BPI will charge me 30 pesos (15 x 2).

Based on my observation, BPI charges the fee real-time. However, after the cut-off, or once the system updates, they return the money. They will then charge the fee(s) again at once by the end of the month or whatever. Like this:

05SI Service Charge BPI 2

BPI charged me 15 peso 05SI this month. That is because I only had one cash withdrawal via a third-party ATM.

2 replies on “05SI Service Charge BPI: Explanation”

Bukod dun sa 15 pesos upon withdrawal on a non-BPI atm machine, then additional sum of 15 pesos (times of non-BPI transactions) on the end of the month. Do they make the charges twice?

How about the 05T4 na service charge? akala ko pag online transaction walang fee.meron pala.every transaction ko online(like transfer funds) may service charge na 5..nauubos yung extra ipon ko sa service charge.

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