How to Activate Mobile Key in BPI Mobile

For added security, BPI added the mobile key function.

So, you must be wondering how to activate it, remove it or change it, right?

If so, we’ve got all the steps and answers to your questions right here.

Steps to Activate Mobile Key in BPI Mobile

Activating your mobile key for the first time requires you to follow these simple steps:

Step 1: Log in to your BPI Mobile app and tap the menu button on the upper left

Step 2: Select Mobile Key

Step 3: Tap the Mobile Key

Step 4: Tap Activate Now

Step 5: Tap Activate Notifications

Step 6: Create your 6-digit PIN

Step 7: Enter the OTP

Step 8: You can enable biometrics using a fingerprint or Face ID to log in instead of the PIN or not

That’s it, you’ve now activated your mobile key in your BPI Mobile. You should see it activated in the Mobile Key tab.

The next time you log in, you’ll either use your pin or biometrics if you enabled it.

How to Change Mobile Key Device in BPI Mobile?

Due to security purposes, you can only activate the mobile key on one device, which is the primary one. Once you activate it on another device, the previous one will automatically be deactivated.

To change your mobile key device, log in to the new device and activate the mobile key by following the steps in the above section.

The mobile key will be updated in real-time, meaning you won’t be able to use it on the previous device.

How to Remove Mobile Key in BPI Mobile?

You can remove the mobile key anytime on your BPI mobile. Follow these steps:

Step 1: Open your BPI app and log in

Step 2: Tap the tab and go to Mobile Key

Step 3: Tap the Mobile Key button to deactivate it

You can deactivate the mobile key anytime and reactivate it if you want.

What is the Mobile Key in BPI?

The mobile key in BPI is an alternative or an added security feature for the One Time PIN (OTP). Instead of just having the OTP, you can create your mobile key using your:

  • 6-digit PIN
  • Fingerprint
  • Face ID

You can only select one of these as the mobile key to approve transactions. It also depends on your device’s capability.

Why use the Mobile Key?

We’ve mentioned that the mobile key is an added protection aside from the OTP. But what exactly are its features?

  • Utilize PIN or biometrics (face ID or fingerprint)
  • Added security aside from OTP
  • You can also enable mobile key only, so you don’t need to wait for OTP

The mobile key can be used in the following transactions in the app:

  • Load e-wallets
  • Pay bills
  • Send money to other banks
  • Send money to third-party accounts
  • Load prepaid phones

BPI created the mobile key for added security. With the recent mobile banking scams, there’s a need for a more secure system.

The mobile key allows the user only to be able to transact in one primary device. This decreases the risk of hacking-related activities.


Can I still use OTP when the mobile key is activated?

Yes. For your security, BPI has turned on the SMS OTP to Always On. You’ll be required to use the OTP on top of the mobile key for many transactions.

How long will the app wait for me to enter the PIN code or enable biometrics before it expires?

The app has a 90-second time limit. After that, the session will expire, and you need to log in again to enter the PIN or log in using a biometric.

What happens when my mobile key is deactivated?

You can reactivate your mobile key anytime. But if your mobile key is deactivated, it may mean that you may have logged it on another device. This is because the app only allows one device to have the mobile key enabled.

Can I only use SMS OTP instead of a mobile key?

Yes, but for bill payment only. You’ll need to use your mobile key for other transactions like fund transfers via QR code, InstaPay transfers, and load.


With more hackers on the loose, it’s important to protect our money. BPI added the mobile key feature as an added protection, and we must activate and use it all the time.

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