Metrobank Php8 InstaPay Fee; How to Send Money Cheaper via Metrobank App
Digital banking just got a lot cheaper for Metrobank users. Starting February 1, 2026, Metropolitan Bank & Trust Co. (Metrobank) is officially reducing its InstaPay transaction fee to just PHP 8. This significant drop from the previous PHP 25 rate makes it one of the most competitive offerings in the local market today.
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| Metrobank Slashes InstaPay Fees to Php8; Making Digital Transfers More Affordable |
Whether you're splitting a lunch bill, sending an allowance to a loved one, or paying a small business, this new rate ensures your daily transfers are lighter on the pocket.
Empowering Everyday Transactions
As instant transfers become a staple of Filipino life—used for everything from groceries and utilities to online side hustles—even small fees can accumulate over time. Metrobank’s move addresses this by providing a budget-friendly solution for real, everyday financial needs.
Key Takeaways of the New Fee Structure:
- Reduced InstaPay Fee: Pay only PHP 8 per transaction when sending money to other banks via the Metrobank App or Online site.
- Free Metrobank-to-Metrobank Transfers: Sending funds between Metrobank accounts remains completely free of charge.
- Simple and Secure: Despite the lower cost, every transaction continues to be backed by Metrobank’s robust security protocols.
Also Read: Metrobank Recognized as the Most Recommended Retail Bank in the Philippines by the Asian Banker
A Commitment to Customer Convenience
"By lowering our InstaPay fee to PHP 8, we are making digital payments more convenient for our customers," said Ramon Del Rosario, Metrobank Consumer Business Sector Head. He emphasized that the goal is to support Filipinos in their daily financial journeys by providing more simple and affordable options.
Start Saving Smarter with eSavings
To take full advantage of these lower fees and manage your money better, Metrobank encourages users to open an eSavings account.
- Easy Access: Apply anytime via the Metrobank App or visit any branch.
- Low Barrier to Entry: Requires only a PHP 2,000 minimum deposit balance.
- Comprehensive Tools: Gain access to a suite of digital benefits designed to help you save and reach long-term goals with ease.