Legend: Direct Transfer, Tested

ARE YOU TIRED OF INTER-BANK / Last Updated: June 13, 2022

INTER-WALLET TRANSFER FEES? Note: For ShopeePay and GrabPay, a verified account is required to

Eliel Jan Sarmiento BPI -> ShopeePay -> BDO BPI -> Tonik -> MBTC BPI -> Tonik -> UBP

BDO -> ShopeePay -> BPI Eliel Jan Sarmiento BDO -> ShopeePay -> MBTC BDO -> ShopeePay -> UBP

MBTC -> CIMB -> BPI MBTC -> CIMB -> BDO Eliel Jan Sarmiento MBTC -> CIMB -> UBP

UBP -> ShopeePay -> BPI UBP -> ShopeePay -> BDO UBP -> ShopeePay -> MBTC Eliel Jan Sarmiento

CBC -> CIMB -> BPI CBC -> CIMB -> BDO CBC -> CIMB -> MBTC CBC -> CIMB -> UBP

[CIMB App] Transfer to [CIMB App] Transfer to [CIMB App] Transfer to [CIMB App] Transfer to
BPI/Instapay BDO/Instapay MBTC/Pesonet UBP/Pesonet

[Tonik App] Send Money to [Tonik App] Send Money to [Tonik App] Send Money to [Tonik App] Send Money to
BPI/Instapay BDO/Instapay MBTC/Instapay UBP/Instapay

Maya -> CIMB -> BPI Maya -> CIMB -> BDO Maya -> CIMB -> MBTC Maya -> CIMB -> UBP

[Shopee App] Send Money [Shopee App] Send Money [Shopee App] Send Money [Shopee App] Send Money
to BPI Bank Account to BDO Bank Account to MBTC Bank Account to UBP Bank Account

GCash -> CIMB -> BPI GCash -> CIMB -> BDO GCash -> CIMB -> MBTC GCash -> CIMB -> UBP
[Grab App] Transfer to BPI [Grab App] Transfer to BDO [Grab App] Transfer to [Grab App] Transfer to UBP
Bank Account Bank Account MBTC Bank Account Bank Account
 Direct Transfer, Tested Indirect Transfer, Tested Direct Transfer, Untested

ay and GrabPay, a verified account is required to cash out.

BPI -> Tonik -> CBC BPI -> GCash -> CIMB [Tonik App] Top Up from [Maya App] Cash In from [Shopee App] Cash In from
BPI BPI BPI Bank Account

1. BDO -> ShopeePay -> [Shopee App] Cash In from

BDO -> ShopeePay -> CBC GCash -> CIMB BDO -> ShopeePay -> BPI -> BDO -> ShopeePay -> Maya BDO Online
2. BDO -> ShopeePay -> Tonik
Banking/Dragonpay
Maya -> CIMB

[CIMB App] Cash In via

Metrobank [Shopee App] Cash In via
MBTC -> CIMB -> CBC Online/Dragonpay -> MBTC -> CIMB -> Tonik MBTC -> CIMB -> Maya Metrobankdirect /
[Metrobank App] Bills Dragonpay
payment

UBP -> ShopeePay -> CBC UBP -> Maya -> CIMB [Tonik App] Top Up from [Maya App] Cash In from [Shopee App] Cash In from
UBP UBP UBP Bank Account

[CIMB App] Cash In via

CBC -> CIMB -> BPI ->
Eliel Jan Sarmiento ECPay/Dragonpay -> [CBC CBC -> CIMB -> Tonik CBC -> CIMB -> Maya
ShopeePay
App] Bills payment

1. [CIMB App] Transfer to

Maya/Pesonet
[CIMB App] Transfer to [CIMB App] Transfer to
Eliel Jan Sarmiento or CIMB -> BPI -> ShopeePay
CBC/Instapay Tonik/Pesonet
2. CIMB -> BPI -> Maya (All
Instapay)

1. Tonik -> BPI ->

[Tonik App] Send Money to [Tonik App] Send Money to Eliel Jan Sarmiento
[Tonik App] Send Money to ShopeePay
CBC/Instapay CIMB/Pesonet Maya/Instapay 2. Tonik -> UBP ->
ShopeePay

[CIMB App] Cash In via

Maya -> CIMB -> CBC ECPay/Dragonpay -> [Maya [Maya App] Maya Savings Eliel Jan Sarmiento
Maya -> CIMB -> BPI ->
App] Bills payment transfer to Tonik/Pesonet ShopeePay

1. ShopeePay -> Gcash ->

[Shopee App] Send Money CIMB ShopeePay -> BPI -> Tonik [Shopee App] Send Money Eliel Jan Sarmiento
to CBC Bank Account 2. ShopeePay -> Maya -> to Maya Wallet
CIMB

1. [Gcash App] Deposit to

Gsave
GCash -> CIMB -> CBC 2. [CIMB App] Cash In via GCash -> CIMB -> Tonik GCash -> CIMB -> Maya Gcash -> CIMB -> BPI ->
ShopeePay
ECPay/Dragonpay -> [Gcash
App] Bills payment
 1. GrabPay -> Gcash ->
1. GrabPay -> Gcash -> CIMB - Tonik
[Grab App] Transfer to CBC CIMB 2. GrabPay -> Maya -> CIMB [Grab App] Transfer to [Shopee App] Cash In from
Bank Account 2. GrabPay -> Maya -> CIMB -> Tonik Maya GrabPay Debit Card
3. GrabPay -> ShopeePay ->
BPI -> Tonik
 Indirect Transfer, Untested

[Gcash App] Cash In from [Grab App] Cash In from

BPI BPI Bank Account

BDO -> ShopeePay -> Gcash BDO -> ShopeePay ->

GrabPay

MBTC -> CIMB -> Gcash MBTC -> CIMB -> GrabPay

[Gcash App] Cash In from [Grab App] Cash In from

UBP UBP Bank Account

CBC -> CIMB -> Gcash CBC -> CIMB -> GrabPay

1. [Gcash App] Withdraw

from Gsave [CIMB App] Transfer to
2. [CIMB App] Transfer to GrabPay/Pesonet
Gcash/Pesonet

[Tonik App] Send Money to 1. Tonik -> BPI -> GrabPay

Gcash/Instapay 2. Tonik -> UBP -> GrabPay

Maya -> CIMB -> Gcash Maya -> CIMB -> GrabPay

[Shopee App] Send Money [Shopee App] Send Money

to Gcash to GrabPay

Eliel Jan Sarmiento GCash -> CIMB -> GrabPay

[Grab App] Transfer to Eliel Jan Sarmiento
Gcash
 Date
12-Jun-22
13-Jun-22
13-Jun-22
13-Jun-22
 Change Details
UBP to GCash mistakenly tagged as Indirect Transfer (UBP-ShopeePay-GCash). Updated to Direct transfer as long as you link
GCash app. I do have my UBP linked in GCash ever since, an honest mistake on my part.
MBTC to ShopeePay updated as Direct Transfer.
CIMB to Maya updated to show an Indirect Instapay option aside from the Direct Pesonet option. In case of emergencies. :)
Maya to Tonik updated as Direct Transfer via Maya Savings.
 Credit to..
Jenipur Wapaño - for your eagle eyes!
Hans Aggabao Jr. - for sharing your experience!

Gen Ira Tampus - for this game changer!