09/07/2026
Your ultimate guide to FREE bank transfers is here! ✨
We’ve updated this guide once again following the latest wave of announcements from banks and e-wallets. This should now reflect all the major transfer fee changes announced around the timeline mentioned by the BSP, giving you one updated reference in one place ✅
As of July 9, more banks than ever now offer FREE InstaPay and PESONet transfers, with almost all providing unlimited free bank transfers. We’ve also indicated in the guide which banks still have limits or conditions for free transfers.
We’ll continue updating this guide whenever there are new changes, so you always have the latest information before sending money.
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