Credit Card Money Matters Product Review

BPI More Fun Prepaid Card

BPI More Fun Prepaid Card review

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So I just got myself a credit card.

My first one, in fact, as I had always just borrowed mother’s CC for unavoidable transactions. I was wary of getting one because I don’t want to be into debt; thus, I almost always pay for stuff in cash. If I use a credit card, I like to pay it as soon as I can.

So why have I gotten myself a credit card?

Well, because it’s prepaid.

Remember what I said in my last blog? When I told you how we waited for almost 3 hours in BPI? Ito yun. I was lining up to claim by BPI More Fun Prepaid Credit Card.

Why did I choose this over other credit cards? 

Again, it’s prepaid, which means if I use it, I’m not using the money I don’t have. On the contrary, I will be spending my own cash (in card form). Think of it as the child of the credit card and the debit card.

What is the difference between a prepaid credit card and a debit card?

The difference between this and a debit card (which I also have) is that it comes with the features of a credit card: card number, security number, and is a Visa. The works. This means you can use it in whatever transaction requires a credit card.

BPI My ePrepaid vs. BPI More Fun

There are actually 2 prepaid credit cards offered by BPI: this and My ePrepaid. I first considered the latter but ultimately decided to get a More Fun card because of two reasons:

  1. It has a lower opening fee: P250 vs. P600.
  2. You can upload your own picture to serve as background for the card.

Oh yes, I’m not kidding. More than the lower opening fee, I gravitated toward More Fun because I can choose the picture I can use. Woot!

I decided to use a picture of Yuri when we were in Costa Marina.

The photo was ultra-crisp on the website but in person, it looked a bit blurred. Maybe this was intentionally done to highlight the card number or other features. Anyway, it does not matter because the actual card is cute enough.

As of now, I haven’t used the card yet. I submitted my account number for the enrollment of the credit card in my BPI online, and I didn’t check whether it has been enrolled already. I will do an update, though, once I finally get to use it!

I applied for this card online and it took around 3 weeks before I finally received an email saying that my card was ready to claim. I’m not sure, though, whether this wait has been made longer because I applied for the card in the middle of Christmas season. To show you what I did to apply and eventually claim the card, I will write a separate post later this week.

If you want more information about this card, you can visit BPI’s website. This is, in any way, a sponsored post. I applied for the card on my own accord and reviewed it because I think it’s cool.

This post was originally written in January 2015. 

As of now, I have already used my BPI More Fun Prepaid Card several times, including a couple of times with GoDaddy and one time with Photobook Philippines. I’ve also connected it to my PayPal account and used it to re-verify my account. It’s fail-proof and the best part is that I don’t have to think of debts to pay!

For instructions on how to apply for a BPI More Fun Prepaid Card, read this!

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  • Reply Scott July 13, 2015 at 5:30 pm

    Hi! Did you have troubles with enrolling to your expressonline account?
    The instructions said to select Express Cash/Express Money Order under the Payments and Reloading menu, however there was no option like that.

    I’m worried because I already loaded it through over-the-counter after claiming the card .

    but then again, there was an instruction to load through OTC if you don’t have a bpi account. (which I have).

    so I’m not really sure what to feel right now. I’ll try to wait until tomorrow or a week if the load will appear in the prepaid inquiry thru SMS and the one in the bpi website, bec for now, it shows up as 0.00

    • Reply Maan July 13, 2015 at 5:45 pm

      Hi! To clarify, did you mean to say that you already loaded the card OTC but it’s not enrolled to your EOL account yet? You can already use your card, but you just can’t see the balance yet. To fully enrol your card – which means being able to transfer load to it AND check the balance – you need to bring it to BPI. I had a teller enrol my card to my EOL account.

      Make sure they enrol it for purposes of loading and checking of balance. Mine was initially enrolled for loading only so I couldn’t check my balance, and I had to return to BPI for full enrolment.

      • Reply Scott July 13, 2015 at 6:13 pm

        Thank you for your reply.
        Yes, that’s correct. I will try to go back tomorrow for the enrollment. I just wished they did it upon claiming/releasing hehe

        Last question, did you print a form through the expressonline account about enrolling?
        Payments & Reloading > Prepaid Cards > Enroll Prepaid Cards > Option 2

        • Reply Maan July 13, 2015 at 7:32 pm

          I know, it would have saved us a lot of time and effort! Yes, I printed that application form and presented it to the teller. If you’re unsure, I guess you can also just go to BPI and request them to enrol your account. Good luck!

  • Reply Frances R July 16, 2015 at 3:43 pm

    Did the BPI teller ask for more than 1 valid ID? I’m worried it’ll be as complicated as Unionbank’s EON application process where the teller asked me for my recent payslip, proof of billing and 3 other valid IDs when in fact their website only stated 2 valid IDs are needed.

  • Reply How to Apply for a BPI More Fun Prepaid Card July 16, 2015 at 4:04 pm

    […] This is part two of my post here. […]

  • Reply Maria Donna Ysabel Sarmiento July 31, 2015 at 7:53 am

    Thanks for the detailed information of BPI Prepaid card. I surely learned so much and is already thinking of getting one. 😉

  • Reply celin mendoza July 31, 2015 at 8:45 am

    This sounds very interesing! lalo na sa mga parents na takot mabaon sa utang usng btheir credit cards. In here, you have the control over the things that you can really pay with your cash. And btw, the background thing is very cool!

  • Reply Nadia July 31, 2015 at 9:30 am

    Your blogpost encouraged me to get this prepaid credit card. I got mine a few months ago but I haven’t used it. We plan to deposit a small amount every month to save for a family trip or vacation next summer. Thanks for sharing helpful tips in your blog, Maan.

    • Reply Lloydy April 10, 2016 at 2:10 am

      Hi Maan,

      I also have this morefun visa prepared card.

      You said that it works like a credit card.

      Does it mean that I can use it for a installment plan.

      I am actually planning to use it to get a new phone but I’m afraid that if I do it, it might use the entire amount to cover for the price of the item.

      Please help me understand if I can really use it for installment plans.

      Thank you and God bless!

      • Reply Maan April 11, 2016 at 4:11 pm

        Hi Lloydy! I’m not actually sure as I haven’t used it yet to pay for something on instalment basis. However, I think it’s possible — only you need to reload the amount you need to pay monthly before it’s due. The payment is not automatic as most credit cards are (since it’s not really a credit card). It should be more like paying a monthly bill, I imagine.

  • Reply bave dela cruz July 31, 2015 at 10:10 am

    im signing up right now. bute konting kembot lang din ang bpi dito samin.

    thanks for this post. finally kasagutan sa financial dilemma ko…heheh

  • Reply Coi August 1, 2015 at 12:44 pm

    nice! makes me want to sign up for it! plus, you can upload your own photo as the card’s background!

  • Reply Rowena Wendy Lei August 3, 2015 at 12:12 am

    These days it’s almost impossible not to need a credit card because most online transactions require it.

  • Reply Ma.Me.Mi.Mommy August 3, 2015 at 9:25 am

    I seem to recall reading this post before. Hehe 🙂 My Metrobank card also has a cuatomized photo until they took it off. Grr. Before, even when they gave me a renewal card, the photo was still there. Just recently it went back to a plain color. Huhuhu.

  • Reply Donna August 3, 2015 at 2:08 pm

    yay! I have the purple My ePrepaid but I want a customized card as well (will use my baby’s photo too. hehehe!).

  • Reply Kat Rodriguez August 3, 2015 at 9:46 pm

    That’s cool since it can be accepted in shops that only accept credit cards and not debit cards. I don’t like credit cards also but it’s useful for online shopping and booking.

  • Reply Rose Angelie August 4, 2015 at 1:22 am

    So glad to read this review! I actually first read about this on bpi website before and really wanted to apply, for the “VISA” reason so I can use it with online purchases. Unfortunately, that one time I asked one bpi staff (BPI Family Savings), they told me it was 600 pesos, though I insisted it was 200+ lang sa website. So hindi ako natuloy.. I think it’s only offered sa BPI, not with BPI Family. ePrepaid pala yung 600, now I know! Hmm gonna visit them again. thanks! 🙂

  • Reply jennifer villanueva August 4, 2015 at 11:08 am

    yey! i also have that card and…. for the same reasons you stated.. hehe! i’m loving it too. highly recommended fo mommies on the go like us!

  • Reply Josephine August 4, 2015 at 11:18 am

    I really like the fact that this card can be personalized! I used to oen credit cards(ssss…) but decided to stop owning one! Right now, Im just using Globe Gcash Card. And somehow, it is well serving its purpose. 🙂

  • Reply MrsMartinez August 5, 2015 at 5:14 am

    I read this entry in your old blog 😉


  • Reply Start Your Own Blog Series #1 - Create Your Mommy Blog In Wordpress Mommy Bloggers Philippines August 15, 2015 at 6:52 pm

    […] my GoDaddy domains, I use my BPI More Fun Prepaid Card for […]

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  • Reply nicole November 16, 2015 at 10:19 am

    Hi I really enjoyed reading your article. I was thinking of getting the my eprepaid card but aft eating this I thought the ‘its more fun’ card is way cooler cause it’s cheaper and I can’t resist the customizable card (I’m a sucker for customizing my stuff lol) anyway I found out that the its more fun card is mainly for paying for travelling fees and whatnot but my main purpose is to shop online so I was wondering if there would be ny problem if I use the its more fun card solely for the purpose of online shopping? Thank you so much I’ll wait for your response ☺

    • Reply Maan November 16, 2015 at 7:12 pm

      I don’t think that should be a problem Nicole!

  • Reply moreyel November 19, 2015 at 4:10 am

    hi. may i know the size of the photo that you used? im trying to upload my own photo for the card but it only says that the file is too small. 🙁

    • Reply Maan November 19, 2015 at 8:05 pm

      Hi! I don’t remember the specific dimensions, but it’s a full-sized picture — maybe 1200 x 800?

  • Reply Jen November 26, 2015 at 4:55 pm

    Ten days ago, Ive applied online for a
    More Fun Visa Prepaid Card and I kept waiting for an email but I didnt receive any. What should I do?
    do the emails come right after the online application? cause I didnt receive any and its been 10 days… should I apply again?

    • Reply Maan November 26, 2015 at 5:34 pm

      Hi! Sorry I’m not the best person to answer your question. BPI usually responds quickly on Twitter; have you tried tweeting them your question?

      • Reply Jen November 26, 2015 at 5:53 pm

        Ill try their twitter thanks for suggesting
        Anyway did you receive a verification email from them right after you applied online or just the one email telling you your card is ready to be claimed? Thank you so much for being helpful

        • Reply Maan November 26, 2015 at 6:13 pm

          I checked my email and no, I didn’t receive any email verification. Just the email saying that my card was ready to be claimed. 🙂

  • Reply Toni Margaret December 9, 2015 at 9:34 pm

    Hello! Where did you get the 4-digit code needed by Paypal? Usually it reflects on your card statement but more fun visa prepaid has none.

    • Reply Maan December 10, 2015 at 7:15 pm

      Hi! I had to return to the bank and had a teller activate my account. If you have an online BPI express account, look for the option to “Enroll Prepaid Cards” (under Payments & Reloading), print out a form, fill it out, and then present it at the bank. Once it’s activated, you’ll be able to see your card statement online. 🙂

      • Reply Yen December 13, 2015 at 7:07 am

        Hi! My more fun card is connected to my savings account and it’s both enrolled, but I really can’t find where exactly the card statement is. Can you tell me in which tab it is? Thanks 🙂

        • Reply Maan December 13, 2015 at 11:42 pm

          Hi! It should be visible at the homepage, right after you log in. If it’s not, you’ll need to have a teller enroll your account for you 🙂

  • Reply PamDiana12 December 12, 2015 at 5:04 pm

    Hello! Tanong lang po sana kung paano mag deposit sa ganitong card? Same process lang ba with depositing sa savings account? Wala kasing acct number ang More Fun card, Card number lang meron…

    • Reply Maan December 13, 2015 at 11:44 pm

      Hi! I just reload it using my express online account. I’m on mobile now and I don’t think the feature is there in the app (I tried to look for it) but I’m pretty sure it’s just “reload” then choose “prepaid card.”

    • Reply Cathy August 26, 2016 at 10:37 am

      yes I have more fun prepaid card too and I cant find the statement online. I already enrolled it. what shud I do? 🙂

      • Reply Ely August 29, 2016 at 6:09 pm

        Hi Cathy,

        Try calling the branch in which you enrolled for the card, and tell them you still can’t see your statement. Maybe they messed it up a bit.

        That’s what happened to mine. I called BPI hotline and they only told me to do the above. (Un)fortunately, it was my branch that was at fault; the branch then told me to check my online “dashboard” after 24 hours again, and then there it was. After logging in to your BPI online account, you should see the link to your statement immediately (below the Savings Account link, for my case).

  • Reply Joie January 9, 2016 at 11:49 pm

    hi, may I ask how did you verify your Paypal Account using More Fun Visa? I just cannot figure where to find that 4character verification code. 🙁

    • Reply Maan January 10, 2016 at 6:44 pm

      Hi! If you already have a BPI Express Online account, have the More Fun card “added” to it; you need the help of a teller. If you don’t have an account yet, make one first then have the card verified by the teller. 🙂 Your verification code will reflect there na in your online statement. Hope that helps!

  • Reply Sasa January 19, 2016 at 7:57 am

    Hi maan

    I have few question I booked a ticket for my hubby for international flight when I paid it with my more fun Visa card they charge me with credit card surcharge. Every time we do transaction online do they charge us like what credit card most do? Please help just used it once and I don’t have any idea. Thanks

    • Reply Maan January 19, 2016 at 3:36 pm

      Oh I’m sorry; I don’t know, too! I’ve used mine in various online transactions and never have I gotten charged with credit card surcharge. Perhaps you can ask someone from BPI? Their Twitter account is pretty responsive if you don’t have time to call.

  • Reply Neil February 19, 2016 at 1:39 pm

    Thank you for sharing. I just had mine. Very informative

  • Reply Pam Diana February 21, 2016 at 7:22 pm

    The only thing I don’t like about this is I can’t withdraw my money. >< Like, at all.

    • Reply Maan February 23, 2016 at 6:50 pm

      Well, yeah, because it’s not supposed to be an ATM card…

  • Reply Nise9293 March 28, 2016 at 7:08 pm

    Hi, I’m trying to link my paypal account to my more visa prepaid card but this message always appear: ” The bank that issued your card didn’t approve this transaction.”. Does it need to have a load before i link it or for paypal to verify it?

    • Reply Maan March 29, 2016 at 5:19 pm

      Yep! You need I think a hundred pesos to verify your PayPal account. Once verified, Paypal will refund your money.

      • Reply Nise9293 April 1, 2016 at 10:44 pm

        Hi again. Where can i find the 4 digit pin? Does the more fun visa card have statement of account? The card is already enrolled in my online account by the teller the day i received it.

        • Reply Maan April 3, 2016 at 5:53 pm

          Hi! If it’s already enrolled, you should see it when you click on Details (right side) and then last five transactions 🙂

          • Ely August 8, 2016 at 5:56 pm

            Hi Maan,

            Great post, thanks!

            My MoreFun’s registered online. I’ve already transferred funds from my Savings Account to it online.

            PayPal’s already charged the P100 “verification charge.”

            But I can’t find my 4-digit PayPal code; I can’t find my Card Statement online. I also can’t find the Details column–BPI talks about this on the page but it’s not there! Have they changed their layout recently?

            Many thanks in advance!

          • Maan August 14, 2016 at 2:11 pm

            Hi! I immediately found my 4-digit code in the details of my BPI card as connected to my Express Online account. But that was in 2015 pa, so there were probably changes. Ask a BPI customer service representative nalang to be sure 🙂

  • Reply Jomar May 16, 2016 at 8:17 am

    Hi Ma an, thank you for this post. I just have one question. Since you mentioned that it can be used as a credit card. Can I use it in installment purchases? I think loading it up before the due is really feasible, what do you think so? Thank you again and I’m hoping for an answer. 🙂

    • Reply Maan May 18, 2016 at 1:47 pm

      I do think it is feasible — I haven’t done it yet but I have signed up for subscription services using the card and okay naman. As long as you don’t forget to load it up before the due date! 😀

  • Reply MadRaf May 17, 2016 at 3:23 pm

    Hi! I’m planning to get this card since I often buy online. But is this applicable for any currency? For example I’m planning to buy something from a site which requires Japanese yen as currency.

    • Reply Maan May 18, 2016 at 1:44 pm

      I am not 100% sure but I have already used mine a couple of times to purchase from Amazon Kindle. Can you purchase from the website using USD?

      • Reply Madraf June 21, 2016 at 11:28 am

        Not yet, I’m yet to apply for a card. Have you tried buying using USD madam?

  • Reply Jem May 23, 2016 at 12:11 pm

    hi i just got my more fun prepaid cc! and ask ko lang sa likod ng card, talagang 3 digits lang yung nakaalgay dun? hindi ba sya kailangan iscratch or something? para kasing kailangan kaskasin ng coin hhaahhah

    anyway thank you for this!

    • Reply Maan May 24, 2016 at 2:52 pm

      Haha no, I think you are referring to the security code? 3 digits lang talaga sya 🙂

  • Reply Fran July 18, 2016 at 11:06 pm

    What if i don’t want to renew my card. Do i have to pay something? I dont get about when the card expired over 120 days i think, The card will be subject to monthly maintenance. Ako ba dpat magbabayad doon every month ganon?

    • Reply Maan July 19, 2016 at 6:27 pm

      My card expired last month. I’m not sure but I read that they’re no longer renewing the card – you’ll have to apply for a new one. I loved my prepaid card but I’m not sure whether I’ll apply for a new one ulit.

  • Reply Cathy August 26, 2016 at 10:46 am

    I used my more fun prepaid sa grocery ng Super8, ayaw gumana. ayaw tangapin ng machine nila. niloadan ko naman. sabi baka ayaw lng maread or may sira ang machine. so binigay ko nalng yung BPI atm ko for EPS using the same machine. ayun gumana naman. is it possible na hindi tinatanggap yung prepaid card dun sa super8 po?

  • Reply Twix October 24, 2016 at 10:14 am

    Hi! This 2016, is the More Fun VISA prepaid card still available for use in Paypal?

    • Reply Maan October 25, 2016 at 10:28 am

      Yep, I believe so!

      • Reply Twix October 26, 2016 at 10:21 am

        Thank you for this, Maan! I have contacted the nearest branch with regards to this, and they kept telling me to use EPay instead. They also said to use My ePrepaid as well.

        I actually wanted a personalized card myself, that’s why I had to ask.

        If you were able to use this for funding your Paypal account, then I believe I should get this instead, right? ^_^

  • Reply Lovely August 15, 2017 at 1:40 pm

    Hi Maan! Can i use the more fun prepaid card in installment plans? Thank you!

    • Reply Maan August 15, 2017 at 2:02 pm

      Hi Lovely, I’m pretty sure you can; just remember to “load” the minimum monthly payment or more into the card para hindi mag-incur ng penalties! 😀

  • Reply Yuri November 9, 2017 at 12:12 am

    Hi Maan! Thanks for this write-up, I got myself an ePrepaid card! Haha. Question, have you ever used this in websites where they only accept credit cards and not debit cards? I want to purchase an airline ticket online and they only accept credit cards. D:

    • Reply Maan November 9, 2017 at 7:36 am

      Hi! Yes I’ve used my prepaid card as credit card dozens of times! Just use it like a regular Visa or Mastercard (depending on what kind of prepaid card you have – I had the Visa one). Good luck!

  • Reply Arnel June 16, 2018 at 5:10 pm

    I hope all is well with you.

    I do find your review helpful but I would like to kindly ask if you have already tried using it to buy stuff in Amazon or Ebay?

    Looking forward for your kind response.

    • Reply Maan June 21, 2018 at 7:41 am

      Hi, I’ve tried using it to pay for something online although it wasn’t in Amazon or Ebay – I forgot which store that was since I haven’t used the card since 2015 🙂

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