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.
BayaniPay is a fintech company, not a bank. Bank products and services are offered through East West Bank.
Zero-fee remittance to the Philippines at market-leading exchange rates
BayaniPay Wallet
Stay tuned for more features!
BayaniPay is a financial technology company, not a bank. BayaniPay offers banking products and services provided by East West Bank, Member FDIC.
BayaniPay is available to California, Hawaii, New Jersey, and Alaska residents sending money to the Philippines. In the near future, we’ll be releasing the service to other states as well as other recipient countries.
Stay connected with us so that you can get the latest updates!
Remittances will be available for claiming within the following time periods depending on their fund source:
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.
With your BayaniPay account, you can enjoy remittances to the Philippines with these benefits:
PLUS 24/7 priority support in English and Filipino and access to upcoming perks!
To get started, individuals have to be registered and verified through these simple steps:
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.
BayaniPay does not charge transaction fees to send your remittance to the Philippines.
*Minimum remittance is $99. Maximum amount per daily transaction is $1,999. Other terms and conditions apply.
To send money to the Philippines, you'll need to connect and verify your bank account.
Instant Verification
Verify your bank account by providing the username and password that you use for online banking. This verification method only takes up to 5 minutes.
There is no limit for cash transfers claimed at BDO branches or BDO Network Banks. Transaction limits apply when claiming at BDO Remit Counters inside SM Department Stores, Business Services and Markets (PHP 80,000/transaction); Palawan Pawnshop (PHP 50,000/transaction); Villarica (PHP 200,000/transaction); or RD Pawnshop (PHP 50,000/transaction).
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:
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.
To collect a transfer from a cash pickup outlet, your recipient will need the following:
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:
BayaniPay also enables fund transfers to these Philippine banks:
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.
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:
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.
To collect a transfer from a cash pickup outlet in the Philippines, the recipient will need the following:
BayaniPay also enables fund transfers to these Philippine banks:
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.
Remittances will be available for claiming within the following time periods depending on their fund source:
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.
After registering for a BayaniPay account, click ‘Manage Wallet’ on your BayaniPay home screen.
- Choose ‘Open a Bank Account’
- Complete and submit the application form
- You will be notified once your application is approved
The Easy Digital Checking Account is FDIC insured up to $250,000 per depositor through East West Bank, Member FDIC.
BayaniPay is a financial technology company, not a bank. BayaniPay offers banking products and services provided by East West Bank, Member FDIC.
BayaniPay and East West Bank have an exclusive banking services agreement. Under the agreement, East West Bank is the U.S.-based banking partner for BayaniPay, enabling it to offer an Easy Digital Checking Account, debit card and other banking products and services on its platform.
Yes. East West Bancorp is a publicly owned company with total assets over $61 billion and is traded on the Nasdaq Global Select Market under the symbol “EWBC.” The Company’s wholly-owned subsidiary, East West Bank, is one of the largest independent banks headquartered in Southern California. East West is a premier bank that operates over 120 locations worldwide, including in the United States markets of California, Georgia, Massachusetts, Nevada, New York, Texas and Washington.
Through its partnership, BayaniPay users can apply for an Easy Digital Checking Account powered by East West Bank, a full-service digital checking account to manage funds and enjoy faster remittances to the Philippines. Users can also request a Visa Debit Card for spending and using at in-network ATMs.
A routing number is a nine-digit number used to identify a U.S. financial institution.
Within the U.S. you’ll need to provide both your East West Bank account number and the East West Bank routing number to receive money into or move money out of your Easy Digital Checking account.
The East West Bank routing number is: 322070381
A SWIFT code is an international code that identifies a specific bank worldwide. It's also known as a Bank Identification Code (BIC).
A SWIFT code consists of 8 or 11 characters and is required when sending an international wire transfer to your Easy Digital Checking account.
East West Bank’s SWIFT code is EWBKUS66
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:
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):
Wire Transfer (funds should arrive within 1-3 business days)
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:
International Wire Transfer (should arrive within 5-7 business days)
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.
Additional Funding Methods
For instructions on using other funding methods, including using PayPal or Venmo, tap Move Money > Add Funds
The Easy Digital Checking Account powered by East West Bank does not require a minimum deposit or maintaining a balance. The accounts that are not funded within 90 days will be automatically closed subject to East West Bank’s terms and conditions.
Yes, you can fund in any currency and we will automatically convert the funds to USD before crediting your account. Foreign exchange conversion rates will be based on the Bank’s exchange rate in effect at that time.
Account reopening requests are subject to East West Bank (“The Bank”) review and approval. The Bank is under no obligation to honor a reopening request, and not all accounts will qualify for re-opening. A reopening fee may be deducted from the account at the time it is funded.
With Zelle®, you can 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.
You can use Zelle® to send, request, or receive money.
How to Send Money:
How to Receive Money:
Zelle® is available on the home screen of your BayaniPay web app. Just click on “Send Money with Zelle®” and follow the prompts to enroll your Easy Digital Checking Account.2,7
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.
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.
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.
With Zelle®, you can send BayaniPay uses thorough verification processes to ensure that only you can access your account. When you access Zelle® through the BayaniPay web app, you can be sure that your information is protected with bank-level security.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.
You can use Zelle® to send money to anyone in the U.S., even if their account is at a different U.S. bank or credit union.
Since your transfer is taken directly from your Easy Digital Checking Account, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number. Neither East West Bank nor Zelle® offers a protection program for authorized payments made with Zelle®.
Zelle® can only be used to transfer money between U.S. bank accounts. If you’d like to send money to the Philippines, you can do so through your BayaniPay account.
You can only cancel a transfer if the person you sent money to has not yet enrolled with Zelle®.
How to Cancel a Transfer:
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.
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.
East West Bank does not charge any fees1,2 to use Zelle® with your Easy Digital Checking Account.
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.
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.
If the receiving bank is not yet part of the Zelle® network, your recipient will be prompted to download and enroll with the Zelle® app. The app is available for both iOS and Android devices.
You can find a full list of participating banks and credit unions here.
East West Bank does not charge any feYes, your recipient will receive an email or SMS notification when you send or request money via Zelle®.es1,2 to use Zelle® with your Easy Digital Checking Account.
If you have already enrolled your Easy Digital Checking Account with Zelle®, the money will be sent directly to your account. Transfers are typically completed within minutes.1.
Money sent with Zelle® typically reflects in an enrolled recipient’s bank account within minutes1.
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 minutes1,2.
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.
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.
If you have an Easy Digital Checking Account, you can order a debit card in the BayaniPay app under Manage Account > My Debit Cards > Request Card.
You can use your debit card at ATMs that display any one of the following logos: Visa®, Plus®, STAR®, NYCE®, PULSE®, Interlink®, Allpoint® and MoneyPass®.
You won't be charged a fee when using an East West Bank ATM, or an ATM that displays the Allpoint® or MoneyPass® logo.
For other ATMs, we will not charge you for the first two ATM withdrawal transactions in your statement cycle. After that, each withdrawal transaction will be charged a $1 fee. Additionally, third-party ATM usage fees may also be charged by the ATM operator.
See Fee Schedule
No, a debit card is not required for deposits, wires and transfers. Therefore, a debit card will not be automatically issued, but you are able to order a card at a later date if you need one.
Your debit card will have a unique card number that will be linked to your checking or savings account.
Yes, you can add your debit card to a digital wallet and make purchases at a store, online or in app if the merchant accepts mobile payment.
You can contact BayaniPay by email at support@bayanipay.com, by phone at (888) 599-7280 or bayanipay.tawk.help for live chat.
It’s a special ₱60 = $1 rate that’s automatically applied when you make your first BayaniPay remittance. It covers up to $500 of the total remittance amount.
Anyone making their first remittance through BayaniPay is eligible.
Just create a BayaniPay account and make your first remittance. We'll automatically apply the upgraded rate up to $500.
The Buena Mano Rate only applies to your first remittance. But you’ll still enjoy zero fees and market-leading exchange rates on all your succeeding remittances, bills payments, and bank deposits through BayaniPay.
The Buena Mano Rate only applies to remittances.
Our regular cancellation and refund policy also applies to Buena Mano Rate transactions. We’ll calculate your refund based on the USD amount charged to the payment method you used.
You can reach us via the following channels:
Phone: (888) 599-7280
Email: support@bayanipay.com
Live Chat:BayaniPay Help Center
BayaniPay has opportunities for individuals who want to share the service with their community. To become an agent and learn more about our program, please contact us here.
Newly registered BayaniPay users can get $50 to spend on groceries at Seafood City using their BayaniCash card.
Send your first remittance through BayaniPay and you can activate
Minimum remittance is $99. Maximum amount per daily transaction is $1,999.
BayaniCash cards can be claimed at any participating Seafood City branch. See list here.
Currently BayaniCash can be used at any Seafood City branch once activated.
BayaniPay is proud to partner with several Filipino and Filipino American organizations in the United States and the Philippines.
You can find the current list of organization partners here
BayaniPay is looking to partner with more organizations that give back to the community! Get in touch with us here.
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.
You can find the current list of restaurant partners here.
To avail of the food credit, you must complete your first remittance to the Philippines using the restaurant’s invite code at bayanipay.com/register.
Minimum remittance is $99. Maximum amount per daily transaction is $1,999.
BayaniPay is expanding its network of restaurant partners! Get in touch with us here.