Buy bitcoin with InstaPay
- Type
- Domestic bank rail
- Works in
- 1 country
- Accepted by
- 4 exchanges
- Last reviewed
- 2026-08-18
You can fund a bitcoin purchase with InstaPay in the Philippines, at 4 exchanges we review. Support is decided market by market, so find your country below and follow its guide.
What is InstaPay?
InstaPay is the Philippines' real time interbank transfer scheme, one of the two automated clearing houses under the Bangko Sentral ng Pilipinas' National Retail Payment System. It moves pesos almost instantly between accounts at participating banks and at e-money issuers such as GCash and Maya, and settles across the BSP's PhilPaSS system. The scheme is governed by the industry body Philippine Payments Management Inc. under BSP oversight. Its sibling PESONet is the batch rail for larger same day transfers.
- Speed
- Funds arrive almost immediately and the scheme runs 24 hours a day, all year round, weekends and holidays included.
- Cost
- The sending institution sets the fee and the receiver is never charged, and most large Philippine banks moved their InstaPay fee for individual clients to free during July 2026 according to the BSP's fee disclosure summary.
- Limits
- The per transaction cap on a personal account is 50,000 pesos, set by the scheme rather than by your bank.
Speed and cost describe the rail itself. What an exchange adds on top varies by platform and is shown per exchange below.
Exchanges that take InstaPay
Using InstaPay in the Philippines
InstaPay appears in one country guide on this site, the Philippines, where deposits settle in Philippine peso (PHP). Buyers there fund exchange accounts with GCash, Maya, PESONet, Credit or debit card and others as well, and the country guide ranks the exchanges that take each one.
Buy bitcoin with InstaPay in the PhilippinesFrequently asked questions
Which exchanges accept InstaPay?
Of the exchanges we review, Coins.ph, PDAX, Binance, Coinmama accept InstaPay in at least one country. Support is per market, so check your country guide for the exact list where you live.
Where can I buy bitcoin with InstaPay?
InstaPay appears in our Philippines guide: the Philippines. Each guide lists the exchanges that take it there and how it is named locally.