Internet Banking Frequently Asked Questions

What are the financial transactions I can do?
In BDO Internet Banking, the following financial transactions are available to you:

What is Fund Transfer (Transfer Money)
Fund Transfer is transferring money from your own enrolled accounts (Savings and Current Accounts, and BDO Cash Card) to any BDO Savings and Current Accounts. However, transferring to Another Person’s account requires an enrollment.

Time deposit and Consumer Loan accounts cannot be used as a source or destination accounts for fund transfers.

How do I get started with BDO Internet Banking Fund Transfer?
You must first enroll your accounts in BDO Internet Banking. To enroll, login to BDO Internet Banking, click Enrollment Services > Own Account > Enroll. Fill-out the information needed then click Submit. After enrollment, your own accounts will appear in the Transfer from (Savings and Current Accounts and BDO Cash Card) and Transfer to (Savings and Current Accounts only) fields.

Can I Transfer Money to Another Person’s Accounts (Third Party Accounts)?
Yes. You may enroll up to 20 accounts belonging to another person or third party accounts.

To Transfer Money to Another Person’s Accounts, you must first enroll the account:

You may transfer money to Another Person’s Accounts 24 hours from ATM activation.

What accounts can be used to transfer and receive money?
You may perform Transfer Money using the accounts listed below:

1. Own Savings and Current Account to Own Savings and Current Account

2. Own Savings and Current Account to Another Person’s Savings and Current Account
3. Own BDO Cash Card to Own Savings and Current Account

Is Inter-Currency Fund Transfer available in BDO Internet Banking?
At present, you can only Transfer Money between Peso to Peso Accounts or US Dollar to US Dollar Accounts only.

Is there a limit to the amount I can transfer through BDO Internet Banking?
You may Transfer Money up to your available balance.

What are my schedule options in transferring money?
You may Transfer Money Immediately, at a Later Date or on a Regular Scheduled Date.

For Immediate transfers, your fund transfer requests are processed right away. Your balance will reflect the transactions correspondingly.

For Later Date transfers, you can specify the transfer date during your request. Request for scheduled transfer should be at least one day prior to the scheduled date.

For Regular Scheduled Date transfers, you can schedule daily, weekly or monthly transfers to a specific account for the next months or years. When requesting for a Regular Scheduled Date transfers, you must specify start date and end date of transfer. Request for scheduled transfer should be at least one day prior to the start date.

All accounts must be sufficiently funded on the scheduled date of transfer.

Can I cancel Later Date and Regular Scheduled Date transfer requests?
Yes. You may still cancel scheduled requests at least one day before the scheduled date via BDO Internet Banking under Financial Services > Fund Transfer > Edit/Cancel Fund Transfer.

Can I change transfer amounts for scheduled Fund Transfer transactions?
Yes. You can still change Transfer Money amounts at least one day before the scheduled date via BDO Internet Banking under Financial Services > Fund Transfer > Edit/Cancel Fund Transfer.

For Later Date and Regular Scheduled Date transfers, you may view the status of your scheduled Transfer Money transactions via BDO Internet Banking under Financial Services > Fund Transfer > View Fund Transfer.

How will I know that my transfer was completed?
A confirmation screen with your Reference Number is displayed after every successful transaction, which can be printed for reference. In addition, the transfers made will appear on your Account Details screen so you can see when they were posted.

Is there a service fee for BDO Internet Banking Fund Transfers?
No. This service is free of charge.

How do I get started with BDO Internet Banking Bill Payments?
Some companies/billers require enrollment in BDO Internet Banking for bills payment. To enroll, login to BDO Internet Banking, click Enrollment Services > Company/Biller > Enroll. Fill-out the information needed then click Submit. You may immediately pay the company/biller immediately after successful enrollment.

What is the maximum amount accepted for Bills payment via BDO Internet Banking?
There is no limit in the amount that you may pay in BDO Internet Banking. You may pay your bills up to your available balance.

Can I pay multiple companies/billers in one transaction?
Yes. You can pay multiple bills all at once through the Bill Rack. Add and select the billers you want to pay by clicking Financial Services > Bills Payment > View Bill Rack.

What are my schedule options in paying my bills?
You may pay your bills Immediately, at a Later Date or on a Regular Scheduled Date.

For Immediate Bills Payment, your payment requests are processed right away. Your balance will reflect the transactions correspondingly.

For Later Date Bills Payment, you may specify payment date during your request. Request for scheduled payment should be at least one day prior to the scheduled date.

For Regular Scheduled Date Bills Payment, you can schedule daily, weekly or monthly payments to a specific company/biller for the next months or years. When requesting for a Regular Scheduled Date Bills Payments, you must specify start date and end-date of request. Request for scheduled payment should be at least one day prior to the start date.

All accounts must be sufficiently funded on the scheduled date of payment.

Can I change/cancel Later Date and Regular Scheduled Date Bills Payment Requests?
Yes. You may still cancel scheduled Bills Payment at least one day before the scheduled date via BDO Internet Banking under Financial Services > Bills Payment > Edit/Cancel Payment.

For Later Date and Regular Scheduled Date transactions, you may view the status of your scheduled Bills Payment Transactions via BDO Internet Banking under Financial Services > Bills Payment > View Payment Status.

What is the cut-off time for Bills Payment transactions?
The cut-off time for immediate Bills Payment is 11:45pm. All transactions made after the cut-off time and during weekends and holidays are subject to verification and will be considered transactions for the next banking day.

How will I know that my payment was successful?
A confirmation screen with your Reference Number is displayed after every successful transaction, which can be printed for reference. In addition, the payments made will appear on your Transaction History screen so you can see when they were posted.

Is there a fee for BDO Internet Banking Bill Payments
No. This service is free of charge.

What is Prepaid Mobile Reload?
Prepaid Mobile Reload allows you to load any SMART, Talk ‘N Text, Globe, Touch Mobile (TM) and SUN prepaid mobile number from your accounts (Current and Savings Accounts and BDO Cash Card). However, you need to enroll all prepaid mobile numbers before you can request for reloads.

How do I get started with BDO Internet Banking Prepaid Mobile Reload?
You must first enroll your prepaid mobile number in BDO Internet Banking. To enroll, login to BDO Internet Banking, click Enrollment Services > Prepaid Mobile Number > Enroll. Fill-out the information needed then click Submit. You may immediately reload the prepaid mobile number immediately after successful enrollment.

You may enroll up to 20 prepaid mobile numbers.

What are the available mobile network and Available Load for Prepaid Mobile Reload?
The following are the available denominations per mobile network:

What is the validity of my reload denominations?
The validity of the reload would depend on the denomination. Please see list below:

Denomination Validity

Is there a limit to the amount I can reload through BDO Internet Banking?
You can reload up to the available balance of your source account or two thousand pesos (P2,000) whichever is lower.

What are my schedule options in Prepaid Mobile Reload?
You may reload your enrolled prepaid mobile numbers Immediately, at a Later Date or on a Regular Scheduled Date.

For Immediate Prepaid Mobile Reload, your reload requests are processed right away. Your balance will reflect the transactions correspondingly.

For Later Date Prepaid Mobile Reload, you may specify reload date during your request. Request for scheduled reload should be at least one day prior to the scheduled date.

For Regular Scheduled Date Prepaid Mobile Reload, you can schedule daily, weekly or monthly reload to any enrolled prepaid mobile number for the next months or years. When requesting for a Regular Scheduled Date Prepaid Mobile Reload, you must specify start date and end-date of request. Request for scheduled reload should be at least one day prior to the start date.

All accounts must be sufficiently funded on the scheduled date of reload.

Can I change/cancel Later Date and Regular Scheduled Date Prepaid Mobile Reload Requests?
Yes. You may still cancel scheduled requests at least one day before the scheduled day via BDO Internet Banking under Financial Services > Prepaid Mobile Reload > Edit/Cancel Prepaid Reload.

For Later Date and Regular Scheduled Date Prepaid Mobile Reloads, you may view the status of your scheduled Prepaid Mobile Reload transactions via BDO Internet Banking under Financial Services > Prepaid Mobile Reload > View Prepaid Reload Status.

How will I know that my mobile reload was successful?
A confirmation screen with your Reference Number is displayed after every successful transaction, which can be printed for reference. In addition, the reloads made will appear on your Transaction History screen so you can see when they were posted.

Is there a service fee for BDO Internet Banking?
No. This service is free of charge.