- If you send money to other banks regularly — for bills, baon, rent, or splitting expenses — RCBC just made your first 30 transfers every month completely free.
- Starting July 4, 2026, RCBC Pulz users can send money to any local bank via InstaPay at ₱0 fee for the first 30 transactions per month.
- No catching up to a weekly reset. No counting days. Thirty free transfers, available from the first of every month.
If you send money to other banks regularly — for bills, baon, rent, or splitting expenses — RCBC just made your first 30 transfers every month completely free.
Starting July 4, 2026, RCBC Pulz users can send money to any local bank via InstaPay at ₱0 fee for the first 30 transactions per month.
No catching up to a weekly reset. No counting days. Thirty free transfers, available from the first of every month.
The details you need to know:
• Free transfers: First 30 InstaPay transfers per month
• Minimum transfer amount: ₱100 per transaction
• Destination: Any local bank — BDO, BPI, Metrobank, GCash, Maya, GoTyme, and all other InstaPay-connected institutions
• Platform: RCBC Pulz app, RCBC DiskarTech
• Effective date: July 4, 2026
Thirty free transfers per month cover most Filipinos' regular transfer needs — rent payments, sending money to family, splitting bills with friends, paying freelancers, and settling day-to-day transactions across different banks.
How it compares:
For context — the BSP's new Circular No. 1238 mandates that micro-merchant payments and personal transfers be offered at lower or zero fees industry-wide. RCBC Pulz's 30 free monthly transfers place it among the most generous free transfer allowances in the Philippine banking market right now, alongside MariBank's 50 free monthly transfers.
How to get started:
Download RCBC Pulz on the Apple App Store, Google Play Store, or Huawei App Gallery — or go directly to rcbc.com/pulz.
RCBC is regulated by the Bangko Sentral ng Pilipinas. Deposits are insured by PDIC up to ₱1 million per depositor.