InstaPay vs PESONet Fees 2026: Which Banks Are Actually Free?

Thirteen banks are now fully free on InstaPay and PESONet — BPI, LandBank, UnionBank, Metrobank, BDO, Chinabank, Security Bank, PNB, Maribank, EastWest, and PSBank among them. RCBC's still capped. Here's the full, current comparison table plus how to pick the right rail every time you send money.

Updated on 07/15/2026 · 8 min read