I've had a BPI ATM account since 2009. I'm satisfied with the service of BPI overall. The only things that annoy me are both related to their automated teller machines.
- BPI ATMs are not as ubiquitous as BDO ATMs. Whenever I need to get money from an ATM, I usually end up using a machine from another bank. I then get charged withdrawal fees.
- BPI machines are very sensitive/not sensitive enough. I could not get BPI ATMs to recognize my Globe G-Cash card. BDO ATMs have no problem with the card, though. Worse, the BPI machines accessible to me these days reject my BPI ATM card, stating that the data stripe is invalid. Pfft! The same card works on various BDO and Security Bank ATMs (and even on rare BPI machines, such as the one inside ABS-CBN). This pisses me off because even though there is a BPI ATM available, BPI still finds a way to poke me in the ass with withdrawal fees. By this time, I guess I have no choice but to have my card replaced (also with a fee) or continue paying ATM fees every time I withdraw cash.