BPI Bank in Los Angeles? No—Bank of the Philippine Islands Has No U.S. Branches

No. **Bank of the Philippine Islands (BPI)** is a **Philippine-domestic bank** with **no branches, ATMs, or correspondent banking relationships for retail customers in the United States**, including Los Angeles.

What this means for you:

• You **cannot** walk into a BPI branch in LA.
• Your **BPI ATM/debit card** *may* work at U.S. ATMs (Visa/Plus, Mastercard/Cirrus networks) but will incur:
  • BPI foreign withdrawal fee (~$3–5 + 1–3.5% FX markup).
  • U.S. ATM operator surcharge ($3–5).
  • Unfavorable dynamic currency conversion (DCC) if offered—**always choose local currency (USD)**.
• **No BPI deposit-taking or account servicing** in the U.S.

Alternatives for Filipinos in LA:

• Remittance: BPI online/app → partner pickup (Cebuana, Palawan, MLhuillier, banks) in PH.
• U.S. Banks: Open account at Chase, BoA, Wells, Citi, or credit unions. Use Wise, Remitly, Xoom for transfers.
• Philippine Banks with US Ops: **PNB (Philippine National Bank)** has a **Los Angeles agency** (limited services). **Metrobank** has a **NY branch**. **BDO** has **remittance offices** (not full branches).

For full banking, use a U.S. institution.