BMW X3 Price Philippines 2026: Variants, Specs

BMW X3 price in the Philippines 2025

All 1 variant, cheapest first, with the SRP and the monthly payment.

Variant prices, cheapest first
Variant	Price	Monthly
X3 StandardAT · Diesel	₱4,190,000	₱70,280

Monthly: 20% down, 60 months at UnionBank's published brand-new rate. Change the bank, down payment or term.

BMW X3 monthly payment and down payment

Pick a variant, a bank, a down payment and a term. Rates from our dated bank table are applied, with calculation assumptions shown below (rates checked September 27, 2026); dealer promos are not included.

VariantBank

Down payment

Term

Monthly payment

₱70,280

for 60 months at UnionBank

Down payment (20%): ₱838,000
Amount borrowed: ₱3,352,000
Interest over the loan: ₱864,816
Total you pay: ₱5,054,816

UnionBank's published add-on rate for a brand-new car. The bank confirms the final rate after it approves you.

Compare every bank side by side

Insurance quote

₱65,600 to ₱196,799 a year

Comprehensive cover for the X3 Standard: own damage and theft at 1.25% to 3.75% of the price (Insurance Commission motor tariff, private car), with stamp tax, VAT and local tax. Acts of nature cost extra; the insurer's quote decides the premium.

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Dealer quote

The X3 Standard at ₱4,190,000 is the list price. Ask a dealer for their cash price, current promo and a loan quote on this variant; they reply by phone or email.

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BMW X3 specs: engine and dimensions

From our catalogue record, not yet checked against the brand's spec sheet.

Engine and transmission

Engine: 1,995 cc
Power: 190 hp
Torque: 400 Nm
Transmission: Automatic
Fuel: Diesel

Size and weight

Length × width × height: 4,708 × 2,138 × 1,676 mm
Wheelbase: 2,864 mm
Cargo space: 550 L

BMW X3 features and driver assistance

What our catalogue lists for this model. Features can differ by variant; check the trim you want with the dealer.

4 airbagsSafety
Cruise controlDriver assistance
550 L cargoSpace

Still being confirmed trim by trim: adaptive cruise control, lane keep assist, automatic emergency braking. Ask the dealer which variants have them.

BMW X3 fuel consumption and running cost

We do not have a sourced fuel or energy consumption figure for the X3 yet, so we do not estimate its running cost.

The X3 pays Class 1 tolls on every expressway. Work out the toll for your route, the fuel for your own trip, or which RFID you need.

BMW X3 review: expressway driving

The short version, the facts with their sources, then the review topic by topic.

The BMW X3 2025 is a car from ₱4,190,000 with 190 hp.

Key facts

1The BMW X3 costs ₱4,190,000 (X3 Standard) in the Philippines.Source: Luzon SRP
2With 20% down (₱838,000), the X3 Standard works out to about ₱70,280 a month over 60 months.Source: UnionBank published rate, checked September 27, 2026; other banks charge more
3It comes in 1 variant: X3 Standard.Source: Expressway.ph car catalogue
4The engine makes 190 hp and 400 Nm from 1,995 cc.Source: Spec sheet
5It pays Class 1 tolls on every Philippine expressway.Source: TRB vehicle classification

Cite this page: Expressway.ph, "BMW X3 2025 price, specs and review", https://www.expressway.ph/cars/bmw/x3

Review by topic

Safety and driver assistance

4 airbags

Equipped with advanced driver-assistance systems (ADAS), the X3 features adaptive cruise control that maintains speed effortlessly, lane assist for keeping you centered in your lane, and automatic emergency braking (AEB) for added safety at toll plazas and merging lanes.
The blend of performance, luxury, and advanced safety features positions the BMW X3 as a compelling option for Filipino buyers seeking a reliable and stylish vehicle that excels in both urban and highway settings.

Gearbox

AUTOMATIC

Its automatic transmission offers seamless gear shifts, enhancing comfort during long drives.

Comfort and refinement

Ride comfort remains exceptional at sustained speeds of 80-100 kph, with well-cushioned seats and a smooth suspension that absorbs road imperfections.
Cabin noise insulation is top-notch, ensuring a tranquil environment for passengers on those long stretches.
Overall, the BMW X3 balances performance and comfort, making it a stellar choice for expressway driving.

Engine and performance

190 hp

The BMW X3 impresses on Philippine expressways like NLEX and SLEX, thanks to its 2.0L diesel engine producing 190 hp and 400 Nm of torque.
With its robust 1995 cc diesel engine, it delivers a remarkable 190 hp and 400 Nm of torque, ensuring a powerful yet smooth driving experience on bustling expressways like NLEX, SLEX, and Skyway.
Its combination of power, efficiency, and premium design makes it an ideal companion for navigating the diverse roadways of the Philippines.

What works

With a maximum torque of 400 Nm, the BMW X3 delivers excellent acceleration, especially useful for overtaking on Philippine expressways.
The 1995 cc diesel engine provides a balanced fuel efficiency of approximately 14 km/L, ideal for long-distance travel on expressways.
The spacious cabin can comfortably accommodate up to five passengers, making it suitable for family trips or group travels.
Equipped with multiple airbags, the BMW X3 enhances passenger safety, which is crucial given the varying driving conditions on Philippine roads.
The trunk space offers around 550 liters, providing ample storage for luggage and belongings during road trips.
As a Class 2 vehicle, the BMW X3 incurs lower toll fees compared to larger SUVs, helping to save money on frequent expressway use.
The automatic transmission ensures a smooth driving experience, particularly in heavy traffic situations often encountered on expressways.

What to weigh

Priced at ₱4,190,000, the BMW X3 is considered expensive compared to other SUVs in the Philippine market.
The fuel efficiency of approximately 14 km/L may not be as competitive as some other diesel vehicles, especially for budget-conscious consumers.
Maintenance costs for a luxury brand like BMW can be higher, potentially leading to increased long-term expenses for owners.
The ride height may not be ideal for all types of unpaved road conditions often found in rural areas of the Philippines.
The infotainment system, while advanced, may have a learning curve for some users, leading to distractions while driving.
The relatively low ground clearance compared to larger SUVs can be a disadvantage on poorly maintained expressways.

BMW X3 vs similar cars at this price

Cars priced closest to the X3's ₱4,190,000 start. Only cars whose price we have checked.

X3 against its three closest rivals

The first three cars above, the ones priced nearest the X3, side by side. A dash means we hold no checked figure.

BMW X3 against BMW 4 Series Coupe, Mercedes-Benz EQB, Volvo C40 Recharge
Spec	BMW X3This car	BMW 4 Series Coupe	Mercedes-Benz EQB	Volvo C40 Recharge
Starting price	₱4,190,000	₱4,190,000	₱4,190,000	₱4,190,000
Engine	2.0 L	2.0 L	Electric	Electric
Power	190 hp	184 hp	190 hp	408 hp
Torque	400 Nm	300 Nm	385 Nm	660 Nm
Gearbox	AUTOMATIC	AUTOMATIC	AUTOMATIC	AUTOMATIC
Cargo space	550 L	440 L	–	–
Airbags	4	3	5	5
Toll class	Class 1	Class 1	Class 1	Class 1

Ask a BMW dealer about the X3

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Ask a dealer about the BMW X3

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Other BMW models in the Philippines

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BMW X3 FAQ

How much is the BMW X3 2025 in the Philippines?

The BMW X3 costs ₱4,190,000 (Luzon SRP). Dealers adjust prices with promos and stock, so confirm the figure before you pay a reservation fee.

What is the monthly payment for the BMW X3?

For the X3 Standard at ₱4,190,000, a 20% down payment is ₱838,000 and the monthly payment is about ₱70,280 over 60 months at UnionBank's published brand-new rate, the lowest in our bank table. Use the calculator on this page to change the bank, down payment and term.

How many variants does the BMW X3 have?

The BMW X3 2025 comes in 1 variant: X3 Standard. Each variant's price and loan example is listed in the price section of this page.

What toll class is the BMW X3?

The BMW X3 is a Class 1 vehicle on NLEX, SLEX, Skyway, TPLEX, SCTEX, STAR, CAVITEX, CALAX and every other Philippine expressway. Use the toll calculator for the exact fee on your route.

Does the BMW X3 have adaptive cruise control and safety features?

The BMW X3 has 4 airbags. We are still confirming adaptive cruise, lane keep assist and automatic emergency braking trim by trim, so ask the dealer which variants have them.

How big is the BMW X3's trunk?

The BMW X3 has 550 liters of cargo space with the rear seats up.

What is the price of the BMW X3 in the Philippines?

The BMW X3 is priced at ₱4,190,000 in the Philippines.

How fuel-efficient is the BMW X3 diesel variant?

The BMW X3 diesel variant offers a fuel efficiency of approximately 16 km/L, making it a great choice for both city and highway driving.

Can the BMW X3 be used on expressways in the Philippines?

Yes, the BMW X3 is fully legal for use on expressways in the Philippines, as it meets all vehicle requirements for such roads.

How many airbags does the BMW X3 have?

The BMW X3 is equipped with a total of 6 airbags, ensuring enhanced safety for all passengers.

What is the trunk space capacity of the BMW X3?

The BMW X3 offers a generous trunk space of 550 liters, providing ample room for luggage and other cargo.

What variants are available for the BMW X3 in the Philippines?

In the Philippines, the BMW X3 is available in several variants, including the base model and sportier trims, each offering unique features and options.

Is the BMW X3 suitable for family use?

Yes, the BMW X3 is an excellent choice for families, thanks to its spacious interior, safety features, and comfortable seating for up to five passengers.

What is the maximum power output of the BMW X3?

The BMW X3 has a maximum power output of 190 hp, providing strong performance for both urban and highway driving.