BPI My ePrepaid: What Happened, and What to Use in 2026
BPI retired its My ePrepaid (Amore Prepaid Visa) card at the end of 2024. Here is what the bank is now pointing customers toward, plus the prepaid and savings options actually worth opening this year.
Key takeaways
What changed with BPI My ePrepaid
BPI shut down its entire prepaid card line on December 27, 2024. That includes BPI My ePrepaid, the Amore Prepaid Visa, and the co-branded variants that used to be sold at branches and partner retailers. New issuance stopped well before that date, and after December 27 the cards stopped working at the point of sale and online. If you are reading an older guide that walks you through reloading a My ePrepaid for a PayPal top-up or a Lazada checkout, that workflow no longer exists.
BPI's current position is that customers who want a card for online use should move to one of its credit cards. The bank no longer markets a prepaid product for the same job. For balances that were still sitting on cards at shutdown, BPI ran an auto-sweep: remaining funds were transferred to the customer's linked BPI deposit account, or held for claim through the branch of account. If you had a card and never saw the money come back, that is the channel to chase.
This guide is the 2026 rewrite of the original My ePrepaid walkthrough. We have kept the framing (a no-maintaining-balance way to shop online and link to PayPal), but pointed every step at products that are still on the shelf.
The prepaid cards that still exist in 2026
Maya Mastercard. Maya is the most direct replacement for what My ePrepaid used to do. Annual fee is ₱0, the virtual card is free and lives inside the app, and a physical card can be requested at no additional cost. It loads from a Maya Savings wallet and works for online checkout, PayPal funding, and in-store taps. The trade-off: Maya leans on its own ecosystem, and some merchants outside the Philippines still flag the BIN as a wallet rather than a bank card.
GCash Mastercard. Same Mastercard rails, similar idea. Annual fee is ₱0, but there is a one-time ₱250 issuance fee plus shipping. If you already live inside GCash for transfers and bills, the convenience is real. If you do not, the Maya card is cheaper to start with.
PSBank Prepaid Mastercard. A more traditional bank-issued prepaid card, useful if you specifically want something with PSBank branding for online subscriptions. Reload is over-the-counter or via PSBank Mobile. It is slower to set up than Maya or GCash but is the closest analogue to the old BPI experience.
BDO Pay Card. The direct replacement for the BDO Cash Card, which was itself discontinued in March 2025. It is tied to the BDO Pay app and works for online and in-store payments. Worth a look if you already bank with BDO.
Worth naming so you do not waste a trip: UnionBank EON Prepaid Visa (discontinued July 22, 2024), RCBC MyWallet (discontinued November 11, 2024), BDO Cash Card (discontinued March 2025). All of these show up in old listicles and are no longer issued.
Better than a prepaid card: a no-maintaining-balance account
The original reason people loaded My ePrepaid for online shopping was to avoid keeping a maintaining balance in a regular bank account. That problem has effectively been solved by the current crop of digital savings accounts, all of which earn interest and link cleanly to PayPal:
- CIMB UpSave: ₱0 to open, ₱0 maintaining balance, 2.50% p.a. on the full balance.
- Maya Savings: 3.0% p.a. base, with a boost of up to 15% on your first ₱100,000 if you hit the usage requirements.
- UnionBank Online Savings: ₱0 maintaining balance, opened entirely in-app.
- RCBC OneAccount iSave: ₱0 to open, tiered interest of 0.15% to 0.20%. Low rate, but a real bank account if you need one for documentation.
- BDO Basic Deposit: ₱0 to open in-app or at a branch, capped at ₱100,000.
All five are PDIC-insured up to ₱500,000 per depositor per bank, the same protection that covered your BPI deposits.
Linking to PayPal in 2026
The PayPal Philippines verification flow is the same shape as before, with two changes. The temporary charge is now ₱100, fully refunded once verification clears. The 4-digit code still arrives on your card or account statement in 2 to 3 business days. Enter the code in PayPal, and the funding source is confirmed.
If you used My ePrepaid as your PayPal card, you will need to remove it from your wallet and link one of the replacements above. Maya Mastercard and CIMB UpSave are the fastest two paths from a standing start.
If you still have an old BPI prepaid card
Cut it up. It will not reactivate. For any balance you believe was still on the card at shutdown, contact BPI customer service with your card number and the branch of account on file. The funds were swept to a linked deposit account by default, and unclaimed balances are held for retrieval.