Enjoy fast, real-time fund transfers from your bank account or e-wallet to your Coins.ph wallet using InstaPay. Coins.ph charges zero receiving fees for InstaPay cash ins, making it one of the most convenient ways to top up your account.
What is InstaPay?
InstaPay is an Electronic Fund Transfer (EFT) service regulated by the Bangko Sentral ng Pilipinas (BSP) that enables instant, real-time PHP transfers between participating financial institutions, banks, and e-wallets in the Philippines.
Supported Banks and E-Wallets
You can send funds to Coins.ph using any of the following InstaPay-participating institutions:
Supported Institutions (A–C) |
Supported Institutions (D–M) |
Supported Institutions (N–Z) |
|---|---|---|
| AllBank (A Thrift Bank), Inc. | Development Bank of the Philippines | Netbank |
| Asenso | Dumaguete Bank | OmniPay, Inc. |
| Asia United Bank (AUB) | Dungganon Bank | PalawanPay |
| Bangko Mabuhay | EastWest Bank | Partner Rural Bank (Cotabato), Inc. |
| Bank of China | Equicom Savings Bank | PBCOM |
| Bank of Commerce | GCash | Philippine Trust Company |
| BanKo (A subsidiary of BPI) | GrabPay | Philippine Veterans Bank |
| BDO Unibank / BDO Network Bank* | Infoserve / Nationlink | PNB (Philippine National Bank) |
| Binangonan Rural Bank (BRBDigital) | ISLABANK | Producers Bank |
| BPI (Bank of the Philippine Islands) | JuanCash | PSBank |
| Camalig Bank | Komo / EastWest Rural Bank | Queenbank |
| CARD Bank / CARD SME Bank | LANDBANK / OFBank | Quezon Capital Rural Bank |
| Cebuana Lhuillier Bank / Cebuana Xpress | Lazada Wallet (Alipay PH) | RCBC / Diskartech |
| China Bank / China Bank Savings | Legazpi Savings Bank | Robinsons Bank |
| CIMB Bank Philippines | Malayan Bank Savings | SeaBank |
| CIS Bayad Center / Bayad | Maya Bank / Maya Wallet | Security Bank |
| CTBC Bank (Philippines) Corp. | Maybank | ShopeePay |
| — | Mindanao Consolidated CoopBank | Standard Chartered Bank |
| — | — | Sterling Bank of Asia |
| — | — | Starpay / TayoCash |
| — | — | Sun Savings Bank / Wealth Bank |
| — | — | Tonik Bank / UnionDigital Bank |
| — | — | TraxionPay / DigiCOOP / COOPNET |
| — | — | Union Bank of the Philippines |
| — | — | USSC / SpeedPay / Mango eWallet |
*Note: BDO transfers may have an internal daily limit of ₱50,000 imposed by the sending bank. Transfer fees vary depending on your sending bank or e-wallet. For real-time operational status, please visit the Coins.ph Status Page.
Account Requirements for InstaPay Cash In
To ensure your transfer processes smoothly, make sure your Coins.ph account meets the following prerequisites before initiating a transfer:
- Your Coins.ph account is at least ID and Selfie Verified.
- Your account has an active, verified mobile number linked.
- The cash in amount does not exceed your account’s remaining daily or monthly Cash In Limits.
Steps to Cash In via InstaPay
- Log Into Your Bank App or E-Wallet: Open your personal online banking or e-wallet app.
- Initiate a Transfer: Select the option to send/transfer funds to another bank or e-wallet, then choose InstaPay as the transfer method.
- Select Destination Bank: Choose DCPay Philippines / Coins.ph from the recipient bank list.
-
Enter Recipient Details:
- Account Name: Your registered full name on Coins.ph
-
Account Number: Your registered mobile number on Coins.ph (e.g.,
09171234567)
- Enter Amount & Confirm: Input your desired cash in amount (up to ₱50,000 per transaction), review the details carefully, and complete the transfer.
Frequently Asked Questions
1. How fast will my InstaPay cash in be credited?
InstaPay transactions process in real-time and funds are usually credited immediately. If your cash in does not reflect within 10 minutes, please keep your transaction receipt and reach out to Coins Support for assistance.
2. Are there transaction limits and fees for InstaPay cash ins?
Fees: Coins.ph does not charge receiving fees for incoming InstaPay transfers. However, your sending bank or e-wallet may apply its standard outbound transfer fee.
Limits: Individual InstaPay transfers are standardly capped at ₱50,000 per transaction. You may make multiple transfers per day as long as you stay within your total Coins.ph account cash in limits.
3. What happens if I entered the wrong account number?
All completed InstaPay fund transfers are final and irreversible. Because funds are credited in real-time, please exercise extreme care and double-check your recipient mobile number and account name before confirming payment.