Banking has never been easier or perhaps more convenient than with BDO’s digital services!
There’s no need to queue or schedule your day around bank hours. BDO’s digital products give you complete control over your banking needs, no matter where you are and whenever you need it.
Here’s a list of digital services offered by BDO:
- The NEW BDO Online
For a better banking experience, BDO has upgraded its BDO Online app! With this upgrade, you’ll get a new look and improved navigation. However, if you need their previous version, BDO has kept their old app available for active BDO Online Banking accounts at this link: https://www.bdo.com.ph/personal/online
What can I do with the new BDO Online app?
- To get faster access to your app while on the go, you can now log in with biometrics or a 6-digit PIN.
- You can easily view your accounts and keep track of them all from your app, all while growing your money and making simple everyday transactions. It has everything you need in one single place
- Send Money to anyone quickly and easily with their new design and optimized screens, whether it’s to other BDO accounts for free or to other banks and wallets via InstaPay.
- Instantly pay bills without the hassles – no need to register billers! Simply enter your information and pay from wherever you are.
- BDO Pay
BDO Pay allows you to make payments with ease! Scanning to pay in stores, sending and receiving money, paying bills, and more – all from your BDO account! You won’t have to pay any fees or add money to your wallet.
All you have to do is complete the following steps:
- Download BDO Pay for free from Google Play Store, App Store, or Huawei AppGallery
- Sign up using your BDO Online Banking username and password.
- Link your BDO Credit Cards and other BDO accounts to BDO Pay.
What can I do with BDO Pay?
- Send Money for FREE to BDO accounts: Use your phone’s contacts, type in a mobile number, or copy-paste the BDO account number
- Pay your bills from the comfort of your home: No need to enroll billers- just enter your bill details and hit Pay!
- Go Cashless with BDO Pay QRs: Scan, generate, or upload BDO Pay QRs, so paying and getting paid can be safe and convenient
- Split the bills up to the last cent: Divide the bill evenly or request different amounts per person. No need to count cash or find change!
- Request Money like a pro: Asking someone to pay you back is now digital with the BDO Pay app.
- Manage & Secure: Keep your BDO Pay app safe with just a few taps on your phone.
- BDO ATMs
Over 4,000 BDO ATMs across the country provide access to your account. Malls, department stores, hypermarts, hospitals, transportation terminals, convenience stores, fast food outlets, hotels, gasoline stations, and select corporate offices all have BDO ATMs.
What can I do with BDO ATMs?
- Check your account and Cash Card balances
- Withdraw up to PHP 50,000 per day*
- Send Money to Enrolled or Any BDO Accounts
- Pay bills to our wide selection of merchants
- Load SMART, Talk ‘N Text, Globe, and Touch Mobile (TM) and broadband services
- Avail of cash advance from your Amex, JCB, MasterCard, Visa, Diners, KFTC and UnionPay credit card
BDO ATMs also has new features that allow you to:
- Withdraw via QR code: You can now withdraw using only your phone! Use your BDO Digital Banking app to generate the QR code, then use it to withdraw money from QR-enabled ATMs.
- Withdraw at selected 7-Eleven ATMs: BDO Debit Cardholders can now withdraw and check their balance for free at ATMs located in select 7-Eleven locations.
- Avoid ATM skimming: Have you ever heard of ATM skimming? BDO takes a multi-phased approach to safeguarding your account.
Note that the BDO ATM Withdrawal Limit is as follows:
- Maximum amount per day: PHP 50,000*
- Maximum amount per transaction: PHP 25,000
- Minimum amount per transaction: PHP 200
- Phone Banking
Can’t wait for your BDO transactions to be processed? With their Phone Banking feature, you can easily get a hold of your banking concerns. With BDO’s Phone Banking, you can bank quickly and safely.
All you have to do is complete the following steps:
- Enroll at www.bdo.com.ph
- Activate via any BDO ATM.
- Enjoy quick access to your account.
What can I do with BDO Phone Banking?
- Inquire deposit, credit card, cash card, and BDO Rewards account balances
- Pay bills immediately to over 180 companies
- Transfer money to enrolled BDO accounts (own or other person)
- Reload BDO Cash Card
- Reload Globe, Touch Mobile, Smart, Talk ‘N Text, or Sun prepaid phone
- Re-order checkbooks
- Know the latest Foreign Exchange and UITF rates
- Report lost or stolen cards
- Cash Deposit Machine
With or without a BDO ATM card, you can deposit cash into your account and other BDO accounts! The BDO Cash Deposit Machine (or Cash Accept Machine) can be found in nearly 400 branches and off-site locations across the country.
What can I do with BDO’s Cash Deposit Machines?
Card-based Transactions
- Cash Deposit to Peso Savings/Checking Account or Cash Card
- Balance Inquiry
- Fund Transfer to Own Account and other BDO Accounts
- Bills Payment
- Prepaid Mobile Reload
- PIN Change
- Personal Online Banking Activation
Card-less Transactions
- Cash Deposit to Peso Savings/Checking Account or Cash Card
- Bills Payment (of billers not requiring enrolment)
- Online Account Opening
BDO now allows you to open an account without having to go to a branch! Take advantage of the benefits of a BDO account and manage it easily with Online Banking!
Instead of going to the branch, you can simply join a Zoom video call from the safety and convenience of your own home. Simply select any BDO branch as your home branch and pick up your BDO Debit Card, Passbook, or Checkbook, as well as conduct future transactions.
Here’s how to open an account online:
- Choose an account and fill out the application form
- Upload and submit the following:
- 2 valid IDs with your photo and signature.For Kabayan Savings, only 1 valid ID is required.
- Your selfie holding a valid ID with a photo and signature
- Photo of 3 signatures
- Meet a BDO representative via Zoom video call for account opening evaluation
**For foreign applicants who wish to request for language assistance, please schedule your appointment between Monday to Friday, from 9AM to 5PM.
- Fund your account within 7 days of approval to avoid account closure
Funding options:
- Cardless deposit at any BDO Cash Deposit Machine
- Deposit at any BDO branch. For applicants outside of the Philippines, remit via BDO Remit offices or remittance partners.
- Send Money Online
Choose from various Available accounts to open:
- ATM Savings: Withdraw cash and pay bills free of charge in over 4,000 BDO ATMs nationwide.
- Kabayan Savings: Para sa overseas Filipinos at beneficiaries, kayang-kaya mag-open ng account with zero maintaining balance. Php 100 lang and 1 valid ID.
- Passbook Savings: Monitor your account easily with a passbook while it grows with a fixed interest.
- Peso Checking: Make payments via checks while enjoying the convenience of a Debit Card for your regular transactions. Available for existing BDO accountholders only.
- Facebook Messenger
We understand how bank-related concerns can make you feel anxious, but you can easily chat with BDO Unibank on Facebook Messenger about your BDO concern! Chat with BDO Unibank on Facebook Messenger to get immediate answers to your top concerns about Digital Banking, Credit Card Status, Remittance Request, and other BDO Products.
Simply look for the BDO Unibank account on Facebook Messenger with a blue checkmark!
**Note: If you have previous messages with BDO Unibank, you may need to delete this or reinstall Facebook Messenger to activate the chat.
- Cash in to Partner Apps
With BDO’s partner apps, Lazada Wallet and GrabPay, you can withdraw money from your BDO bank account without sharing your debit or credit card information
BDO had created some infographics for their customers to use with their Partner apps to easily cash in!
For your Lazada Wallet:
For your GrabPay Wallet:
Visit their dedicated page with FAQs for more information and answers to your questions: https://www.bdo.com.ph/cash-in-to-partner-apps
- #BDOAntiScam
BDO has launched the #BDOAntiScam campaign in addition to its digital services. Fake emails, texts, and phone calls from people posing as BDO officers were already encountered. They request that you verify your account or provide a code (your OTP) in order to obtain a loan or a higher credit limit.
Be smarter than a scammer with #BDOAntiScam
- BDO will never ask for your username, password, and OTP.
- BDO will never send links that ask for your account information. We will only send links to share information such as card promotions.
- BDO will never ask you to verify your account.
- BDO will never ask for your credit card number and expiry date, CVV, and OTP to verify online shopping transactions.
BDO also made an effort to create informative videos for you to be aware of the ongoing scams:
BDO’s new digital services are very useful, but we would like to remind users to be aware of scammers and stay safe! BDO may have found ways to avoid this, but your safety begins with you. Banking responsibly and safely is essential!
