The date reflected on your transaction history is the posting date of your transaction. This may differ from your transaction date. Transactions made during weekends and holidays will be part of the transactions of the next banking day.

The cut-off time for Pay Bills is 10:00 PM. All transactions made after the cut-off time, and during weekends and holidays, will be considered as transactions for the next banking day.

You can save the payment details as a favorite to make your future Pay Bills transactions easier. Just follow these steps after paying bills:

1. On the success screen of your Pay Bills transaction, tap Favorite at the lower right corner (beside Save and Share)

2. Enter your preferred Favorite nickname, then tap Save

3. You will get acknowledged when the details are successfully saved to favorites

4. On your next transaction, just tap Select from Favorites on the Choose biller transaction screen and select your biller. 

To edit the details of your saved biller, just follow these steps:

1. Once you’re logged in, tap More, then Manage Favorites

2. Tap Pay Bills

3. Choose the favorite biller you would like to update, then tap Edit

4. Enter the new details, then tap Save

5. You will get acknowledged when the updated details are successfully saved to favorites

To delete a biller from your favorites, just follow these steps:

1. Once you’re logged in, tap More, then Manage Favorites

2. Tap Pay Bills

3. Choose the favorite biller you would like to permanently delete, then either:

4. Swipe left the chosen biller, then tap x, or

5. Tap the biller, then Delete

6. Tap Delete to confirm the deletion of saved favorite

Just follow these steps to Buy Load:

1. Once you’re logged in, tap Pay, then Buy Load

2. Enter the mobile number you are buying load for or tap the address book icon to search for the mobile number from your phonebook. Make sure that the mobile number is in the 11-digit format (e.g., 09123456789)

3. Choose the network provider of the mobile number, then tap Buy

4. Tap Amount and choose from the list of available load amounts

5. Choose the account where the transaction will be deducted from, then tap Buy

6. Review your details, then tap Confirm

7. You may Save or Share the successful transaction confirmation page

You can Buy Load for prepaid mobile numbers under the following network providers: Smart, TNT, Sun, Globe, TM, and DITO.

You can save the recipient's mobile number and provider details as a favorite to make your future Buy Load transactions easier. Just follow these steps after buying prepaid load:

1. On the success screen of your Buy Load transaction, tap Favorite at the lower right corner (beside Save and Share)

2. Enter your preferred Favorite nickname, then tap Save

3. You will get acknowledged when the details are successfully saved to favorites.

4. On your next transaction, just tap Select from Favorites on the transaction screen and select the receiver’s details you wish to buy load for.

You can Send Money* to any of the following:

1. Your own other BDO PHP or USD Savings and Checking Accounts

2. Another person’s BDO PHP Savings or Checking Account

3. Other local banks and mobile wallets via InstaPay

*Only same currency transfers are allowed (e.g., PHP to PHP or USD to USD)

Just follow these steps to Send Money using your account number:

1. Once you’re logged in, tap Send Money

2. Choose the transaction type:

   1. Own account - send to your own other BDO accounts

   2. Any BDO account - send to another person’s BDO account

   3. Other banks and wallets - send to other local banks and mobile wallets*

3. Fill out the required details, then tap Send

4. Review your details, then tap Confirm to send immediately or Schedule to schedule the transaction for later. Scheduled transactions are only available for Send Money to own account.

5. You may Save or Share the successful transaction confirmation page

*Double-check all the details. For these transactions, account number matching is sufficient for the implementation. BDO shall not be responsible for its reliance on account number matching.

Just follow these steps to Send Money via QR:

1. Once you’re logged in, tap QR, then Send Money

2. Choose the transaction type:

   1. [iOS] Upload QR from Photos / [Android] Upload QR code from Gallery - import the QR code from your Photos or Gallery

   2. Scan QR code - scan the QR code of the destination account

3. Fill out the required details, then tap Send

4. Review your details, then tap Confirm

You can save the receiver’s details as a favorite to make future Send Money transactions easier. Just follow these steps after sending money:

1. On the success screen of your Send Money to Any BDO account or Send Money to Other banks and wallets transaction, tap Favorite at the lower right corner (beside Save and Share)

2. Enter your preferred Favorite nickname, then tap Save

3. You will get acknowledged when the details are successfully saved to favorites

4. On your next transaction, just tap Select from Favorites on the input transaction details screen and choose the receiver’s details you wish to Send Money to

To edit the details of your saved Send Money recipient, just follow these steps:

1. Once you’re logged in, tap More, then Manage Favorites

2. Tap Send Money to any BDO Account or Send Money to Other Banks and Wallets

3. Choose the favorite receiver you would like to update, then tap Edit

4. Enter the new details, then tap Save

5. You will get acknowledged when the updated details are successfully saved to favorites.

To delete a receiver from your favorites, just follow these steps:

1. Once you’re logged in, tap More, then Manage Favorites

2. Tap Send Money to any BDO Account or Send Money to Other Banks and Wallets

3. Choose the favorite receiver you would like to permanently delete, then either:

4. Swipe left the chosen receiver, then tap x, or

5. Tap the receiver, then Delete

6. Tap Delete to confirm the deletion of saved favorite

Yes, you may still cancel scheduled transactions at least one day before the scheduled payment, but you need to create a new scheduled transaction with the updated details.

Just follow these steps to Request Money via QR:

1. Once you’re logged in, tap QR, then Request Money

2. Fill out the required details, then tap Generate QR

3. You may Save or Share the QR code generated

Currently, you can only Send Money between same currency accounts (PHP to PHP and USD to USD).

Here are the daily transaction limits for Send Money:

1. To own BDO account - up to your available balance

2. To another person's BDO account - ₱50,000

3. To other local banks and mobile wallets via InstaPay - ₱50,000*

   *This limit includes InstaPay fees. The ₱50,000 limit is part of the total ₱100,000 limit shared with two other services - Withdraw via QR (in the BDO Digital Banking app) and Scan to Pay (in the BDO Pay app).
   

Your transaction is still being processed. You will receive an in-app notification to confirm that your transaction is either successful or unsuccessful. To get updates on the status of your transaction, make sure to enable push notifications for Transaction Status in the BDO Online app. 

You can manage notifications for the following:

1. Balance - Get notified when your account balance is below your specified amount

2. Debit and Credit - Get notified when money is debited from or credited to your account

3. Transaction Status - Get notified on the status of your transaction 

To enable notifications:

1. Once you’re logged in, tap Accounts at the bottom of the screen to see all of your accounts

2. Tap the bell icon at the upper right corner

3. On the Notifications screen, tap the settings icon at the upper right corner

4. On the Manage Notifications screen, select the notification feature you’d like to enable:

   1. Transaction notification – get notified on your transaction status

   2. Account notification – get notified on your account status and activities

      1. Tap the account you’d like to enable account notifications

      2. Select if you’d like to enable Balance or Debit and Credit account notifications

To set the amount for Balance notifications, tap Amount, enter the amount you’d like to get notified, then tap Save

To disable notifications:

1. Once you’re logged in, tap Accounts at the bottom of the screen to see all of your accounts

2. Tap the bell icon at the upper right corner

3. On the Notifications screen, tap the settings icon at the upper right corner

4. On the Manage Notifications screen, select the notification feature you’d like to disable:

   1. Transaction notification – get notified on your transaction status

   2. Account notification – get notified on your account status and activities

      1. Tap the account you’d like to disable account notifications

      2. Select if you’d like to disable Balance or Debit and Credit account notifications

Just follow these steps to change your PIN:

1. Once you’re logged in, tap More, then Manage Login

2. Tap Change PIN beside 6-digit PIN

3. Enter your current 6-digit PIN

4. Set up your new PIN. Make sure your PIN is non-sequential (e.g., 123456) and non-repeating (e.g., 121212).

5. Confirm your newly set 6-digit PIN

6. Once PIN change is successful, you can already use your newly set 6-digit PIN to log in to the app and confirm your financial transactions

Yes, you can enable it after initial login. Just follow these steps:

iOS

1.      Once you’re logged in, tap More, then Manage Login

a.      If Face ID/Touch ID is enabled on your device settings

                              i.      Toggle on Face ID/Touch ID

                             ii.     Tap Enable Face ID/Enable Touch ID
                                     [For Face ID only] Tap OK to allow the app to access Face ID

                            iii.     A prompt for facial recognition (Face ID) or fingerprint scan (Touch ID) will appear

                            iv.     Once verified, tap OK, and biometrics is already enabled as an alternative login method and transaction verification

b.      If Face ID/Touch ID is disabled on your device settings

                              i.      Open the Settings app of your iOS device

                             ii.     Tap Face ID & Passcode/Touch ID & Passcode, then enter your current passcode

                            iii.     Set-up Face ID/Touch ID

                            iv.     Once set up, go back to the app (Manage Login)

                             v.     Toggle on Face ID/Touch ID

                            vi.     Tap Enable Face ID/Enable Touch ID
                                    [For Face ID only] Tap OK to allow the app to access Face ID

                          vii.      A prompt for facial recognition (Face ID) or fingerprint scan (Touch ID) will appear

                         viii.      Once verified, tap OK, and biometrics is already enabled as an alternative login method and transaction verification

Android

1.      Once you’re logged in, tap More, then Manage Login

a.      If Fingerprint is enabled on your device settings

                              i.      Toggle on Biometrics

                             ii.     Touch the fingerprint sensor

                            iii.     Once verified, biometrics is already enabled as an alternative login method and transaction verification

b.      If Fingerprint is disabled on your device settings

                              i.      Open the Settings app of your Android device

                             ii.     Tap Biometrics and Security, then Fingerprints, then enter your current password

                            iii.     If with existing Fingerprint, delete then add a new one. If without existing Fingerprint, tap Add fingerprint

                            iv.     Toggle on Fingerprint unlock

                             v.     Once enabled, go back to the app (Manage Login)

                            vi.     Toggle on Biometrics

                          vii.      Touch the fingerprint sensor

                         viii.      Once verified, biometrics is already enabled as an alternative login method and transaction verification

Just follow these steps to disable biometrics:

iOS

Face ID

1.      Once you’re logged in, tap More, then Manage login

2.      Toggle off Face ID

3.      A prompt to turn off Face ID login will appear, tap Yes

4.      Once allowed, another prompt message will appear, tap Settings

5.      On the BDO Online screen, toggle off Face ID
 

Touch ID

1.      Once you’re logged in, tap More, then Manage login

2.      Toggle off Touch ID

3.      A prompt to turn off Touch ID login will appear, tap Yes

4.      Once allowed, another prompt message will appear, tap Settings

5.      On the BDO Online screen, tap Settings at the upper left to go back to the main Settings menu

6.      Tap Touch ID & Passcode, then enter your current passcode

7.      Delete existing Fingerprint

Android

1.      Once you’re logged in, tap More, then Manage login

2.      Toggle off Biometrics

3.      A prompt to turn off biometrics will appear, tap Yes

4.      Once allowed, another prompt message will appear, tap Settings

5.      Go to Biometrics and Security, tap Fingerprints, then enter your current password

6.      Delete existing Fingerprint, then toggle off Fingerprint unlock

Just follow these steps to update your mobile number:

1.      Once you’re logged in, tap More, then Update Profile

2.      Tap the arrow beside your mobile number

3.      Enter your new mobile number, then tap Update

4.      Enter the One-Time PIN (OTP) sent to your registered email address to confirm your account

5.      You will get acknowledged when the mobile number is successfully updated

*Mobile number update made in the new BDO Online app will not reflect in the old Online Banking website and BDO Digital Banking app

Just follow these steps to update your email address:

1.      Once you’re logged in, tap More, then Update Profile

2.      Tap the arrow beside your email address

3.      Enter your new email address, then tap Update

4.      Enter the One-Time PIN (OTP) sent to your registered mobile number to confirm your account

5.      You will get acknowledged when the email address is successfully updated

*Email address update made in the new BDO Online app will not reflect in the old Online Banking website and BDO Digital Banking app

Click on the following links to view our Terms and Conditions

BDO Online Terms and Conditions

BDO Mobile Banking Terms and Conditions 

BDO Mobile Banking Fingerprint and Face Authentication Terms and Conditions