While we continue to improve the new BDO Online app, you can use the Online Banking Website for the following features:​

Stop Payment Order Checkbook Order ·​ Foreign Currency Transfers ·​ View Trust Accounts

 
Get started with the new BDO Online app
If you already have a BDO Online Banking account:
If you don't have a BDO Online Banking account yet:

Frequently Asked Questions

Take control of your accounts and finances with the BDO Online app. It lets you manage your accounts, keep track of your finances, and make different types of transactions anytime, anywhere with enhanced security. 

You can download the BDO Online app for FREE on Google Play Store (Android), the App Store (iOS), or Huawei AppGallery (HarmonyOS).

If you don’t have a BDO Online Banking account yet, you may sign up using your Savings or Checking account, or Credit Card. Just follow these steps:
  1. Download the BDO Online app
  2. Tap Sign up
  3. Select Savings or Checking Account
        If you only have a BDO Credit card, select Credit Card
  4. Fill out the required details, agree to the Terms & Conditions and Data Privacy Consent, then tap Next
        If signing up from overseas, make sure to tick the “I’m signing up from outside the Philippines.” box
  5. Enter your preferred username and password
  6. Confirm your password, then tap Submit
Once sign up is successful, you can already log in to your BDO Online app.

For those with existing active BDO Online Banking accounts, you can use the new BDO Online app by following these steps:
  1. Download the BDO Online app on Google Play Store, App Store, or Huawei AppGallery
  2. Open the BDO Online app and enter your existing username and password
  3. Enable alternative login methods so you can easily access your account without having to enter your password each time:
    • Biometrics* (Fingerprint/Face)
    •  6-digit PIN
 *Biometrics login is dependent on the capability of your device
 
You will receive an email and/or SMS notification for every successful login using your username and password.

Enjoy safe and convenient Online Banking with all the features available on the app:
  • Sign up for a BDO Online Banking account 
  • Reset password 
  • Retrieve username 
  • View account summary (PHP Checking Accounts, PHP and USD Savings Accounts, Time Deposits, PHP and Dual Currency (PHP and USD) Credit Cards, Loans and Trust Accounts)
  • View transaction details (Checking and Savings Accounts, Credit Cards and Trust Accounts)
  • View and download Statements (Checking Accounts and Credit Cards) 
  • Send Money to your own account, any other BDO account, or other banks and wallets via InstaPay or PESONet
  • Send Money from your own USD to own PHP account 
  • Send Money from your own USD to USD account, USD to PHP account, or across the same third currency accounts.
  • Schedule and manage money transfers to your own account, any other BDO account or other banks and wallets via InstaPay 
  • Pay Bills 
  • Buy Load 
  • Schedule and manage bills payment and prepaid mobile reload 
  • Add, Save and Manage Favorites
  • Request Money via QR code 
  • Withdraw Money via QR code 
  • Deposit Money via QR code 
  • Hide or show viewable accounts 
  • Add or remove own accounts 
  • Activate Credit Card 
  • Set Debit Card limits 
  • Lock or unlock Debit and Credit Cards 
  • Enable or disable Debit Cards for Overseas Transactions
  • Reorder Checkbook and request Stop Payment Order
  • Update email address and mobile number 
  • Assign and manage accounts linked to your mobile number  
  • Change PIN 
  • Enable or disable biometrics 
  • Create or edit account nicknames 
  • Enable or disable account-related push notifications 
  • View all advisories and announcements via in-app Inbox

The app may be downloaded and accessed using Android, iOS (iPhone®), and Harmony OS devices. Please make sure that you have the latest OS version (Android 6.0 and up or iOS 14.0 and up) in order to access the BDO Online app.

You may check the app version on the login screen or by tapping More, then About BDO Online after you have successfully logged into the app.  
 
The latest version of the BDO Online app is: 
Android: Version 1.15.1
iOS: Version 1.15.1
Harmony OS: Version 1.15.1

Yes, it’s completely free to download the app! Just remember that using the app requires internet connection through free or paid Wi-Fi or mobile data. Some transactions, such as Send Money from your own PHP to own USD account or to other local banks and wallets via InstaPay, may charge a small transaction fee.

Click on the link below to view our Terms and Conditions

BDO Online Terms and Conditions

Just follow these steps to reset your password:
  1. On the login page where you need to input your username and password, tap Need help logging in? then tap I’d like to reset my password
  2. Enter your username and the last four (4) digits of your account or card number, then tap Next
  3. Enter the One-Time PIN (OTP) sent to your registered mobile number to confirm your account
  4. Set up your new password
     ‧ Must have at least 8 characters
     ‧ Must contain a lowercase letter
     ‧ Must contain an uppercase letter
     ‧ Must contain a number
     ‧ Must contain a special character (except backlash[\], double quotes[""], and single quote [’])
     ‧ Must not be an old password

Once password reset is successful, you can already use your new password to log in to your BDO Online app*

*Password reset made in the BDO Online app will not reflect in the old BDO Online Banking website and BDO Digital Banking app. You will receive an email notification for every successful password change.

On the login page where you need to input your username and password, tap Need help logging in?,  then tap I’d like to get my username, and then enter your registered email address. You will receive instructions on how to recover your username via email.

Make sure that the email address and mobile number linked to the account you used to sign up are updated. If you recently changed your contact information, please have your records updated.

For Checking or Savings accountholders:
Visit your Branch of Account

For Credit Cardholders without Checking or Savings account:
Call the BDO Customer Contact Center using any of the following numbers:

Metro Manila Number: (+632) 8888-0000
 
Domestic Toll-Free Numbers:  
(PLDT and Globelines ) : #8888-0000
 
International Toll-Free Number*: 
(IAC)+800-8-CALLBDO (2255-236)
*International Toll-Free Numbers Reminder: Charges apply for calls made using a mobile number.
 
If signing up from overseas, send your documents containing the following to onlineactivation@bdo.com.ph with your reference number as the subject:
  1. Any valid government-issued ID from the country where you are currently located. (Must have your photo, full name, date of birth, signature) 
  2. A clear photo of you holding up the ID that you submitted in #1. (ID should be held close to your face, fingers shall not cover any numbers, text, or photos.) 

Note: The processing time of BDO Online Banking overseas sign-up is 5-7 banking days from the time your complete documents have been received. 

*Once your request to have your records updated has been processed, you may continue with your sign-up by relaunching the BDO Online app.

No, you can only have one (1) BDO Online app-registered device. 
 
If you’ve reached the maximum number of allowed registered devices and wish to change to a new one, just log in with your username and password using the new device, enter the One-Time PIN (OTP) sent to your registered mobile number, and nominate a 6-digit PIN. 
 
The system will automatically unlink your previously registered device/s once your new device is successfully registered.

Yes, you can use the app outside the Philippines as long as you have internet connection.

The BDO Online app is currently available in the App Store for iOS devices, and Google Play Store for Android devices. Our teams are working on making it available in Huawei AppGallery.
 
In the meantime, you may download the BDO Online app on devices that have App Store or Google Play Store, or access our BDO Online Banking website at online.bdo.com.ph.

If you are an Android or iOS user, you may delete the old BDO Digital Banking app since it is no longer accessible.
 
If you are a Huawei user, you don’t need to delete the old BDO Digital Banking app yet since the BDO Online app is currently not available on the Huawei AppGallery.

If your screen turned black while using the app or if the biometrics or 6-digit PIN isn't showing up when you log in, try the following:

Close and relaunch the app
If you’re on iOS, swipe up and close the app.
If you’re on Android, tap the Recent button on your navigation bar, close the app, then just relaunch the app from your home screen.

Delete and reinstall the app
Delete the app from your phone and redownload the latest version on the Play Store or App Store.
After that, relaunch the app.

Profile Management

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

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

*Mobile number update made in the BDO Online app will not reflect in the old BDO 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

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

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

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., 000000)
  5. Confirm your newly set 6-digit PIN
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.

You will receive an email notification for every successful 6-digit PIN change.

Yes, you can enable it after your successful device registration. Just follow these steps:
 
iOS
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
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 Fingerprint Unlock
                    v. Once enabled, go back to the app (Mange 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

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 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:
    • Transaction notification – get notified on your transaction status
    • Account notification – get notified on your account status and activities
      • Tap the account you’d like to enable account notifications
      • 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 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:
    • Transaction notification – get notified on your transaction status
    • Account notification – get notified on your account status and activities
      • Tap the account you’d like to disable account notifications
      • Select if you’d like to disable Balance or Debit and Credit account notifications

Just follow these steps to view advisories/announcements in the BDO Online app:
  1. Once you’re logged in, tap Accounts at the bottom of the screen to see all your accounts
  2. Tap the bell icon at the upper right corner
  3. On the Notifications screen, tap the message you would like to view

Account Management

You don’t need to manually add your BDO accounts. The app will automatically display all your personal accounts* (PHP Checking Account**, PHP and USD Savings Account**, Time Deposit, PHP and Dual Currency (PHP and USD) Credit Card, and Loan).
 
*Corporate or business accounts will not be displayed.
**Joint OR accounts need to be added to display on My Accounts list.

You can choose which accounts to display once logged in by hiding, showing, or removing your accounts.

To hide accounts:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Show or Hide Account
  3. Toggle off the account/s you would like to hide
To show acounts:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Show or Hide Account
  3. Toggle on the account/s you would like to be displayed
To remove accounts:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Add or Remove Own Account
  3. Tap the trash bin icon beside the account you would like to remove, then tap Remove

You will get acknowledged when the account is successfully removed.

Removed account/s will no longer be viewable on your BDO Online app. All scheduled transactions on the removed account/s will also be cancelled in the BDO Online app. You will need to add again the deleted account to your BDO Online app to be able to view and use it for financial transactions. 
 
You will receive an email notification for every successful removal of account.

There are two possible scenarios:
 
If you have at least one other BDO own account
You will still see your other BDO accounts, except for your Joint OR account. For security purposes, you need to manually add your Joint OR accounts to your BDO Online app to be able to view it on your account dashboard.
Just follow these steps to add your Joint OR account:
  1. Once you’re logged in, tap More, then Manage Accounts 
  2. Tap Add or Remove Own Account, then tap Add Own Account 
  3. Fill out the required details and agree to the Undertaking, then tap Add
You only have a Joint OR account
Your Joint OR account will be automatically removed, and you need to manually add it back to your BDO Online app to be able to view it on your account dashboard. Just follow these steps to add your Joint OR account:
  1. Once you’re logged in, tap More, then Manage Accounts 
  2. Tap Add or Remove Own Account, then tap Add Own Account 
  3. Fill out the required details and agree to the Undertaking, then tap Add

You will receive an email notification for every successful addition or removal of account. The added account will be immediately viewable on the account dashboard.

Just follow these steps to add your Joint OR account or other own accounts*:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Add or Remove Own Account, then tap Add Own Account
  3. Fill out the required details and agree to the Undertaking, then tap Add
**Except Joint AND accounts
 
You will receive an email notification for every successful addition of account. The added account will be immediately viewable on the account dashboard.

Yes, there are no changes on the accounts displayed on the BDO Online Banking website.

Just follow these steps to add your Trust accounts:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Add or Remove Own Account, then tap Add Own Account
  3. Fill out the required details and agree that all your active Trust accounts* will be visible in the app, then tap Add
  4. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN

*Only active accounts or accounts with balance will be added/viewable in BDO Online app.

Yes, you can view and download your Checking Account or Credit Card Statements using the BDO Online app. Just follow these steps:
  1. Once logged in, tap Accounts at the bottom of the screen to see all your accounts
  2. Tap the account you would like to view or download your eSOA, then tap Statements. For Checking Accounts, you can also view the scanned copy of your processed cheques by tapping Cheques on the Statements screen
  3. Choose the month and year you would like to view
  4. Tap the Share icon at the upper right corner to save or download

Just follow these steps to set nicknames for your accounts:
  1. Once you’re logged in, tap Accounts at the bottom of the screen to see all your accounts
  2. Tap the account you’re creating a nickname for, then tap Details to see the complete account information
  3. Tap the pencil icon beside Account Nickname
  4. Enter your preferred account nickname, then tap Save
You will get acknowledged when the nickname is successfully saved
 
Nicknames set in the BDO Online app will not reflect in the old BDO Online Banking website and BDO Digital Banking app.

Yes, you can use your mobile number to receive money for your account. Just assign an account to your registered mobile number. Here’s how:
  1. Once logged in, tap More, then Manage Accounts
  2. Tap Assign an Account to a Mobile Number, then select the account that you would like to assign
  3. Enter the required details, then tap Assign
  4. Enter the One-Time PIN (OTP) sent to your registered mobile number to confirm 
You will get acknowledged when the account is successfully assigned to your registered mobile number. 
 
You will receive an email notification for every successful assignment of an account to your mobile number.
 
Note: Assigning an account to your registered mobile number will only let you receive money from participating banks or wallets. Sending money to a mobile number is not yet available.

To update the assigned account to your registered mobile number, just follow these steps:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Assign an Account to a Mobile Number, then select the new account that you would like to assign to your mobile number, then tap Update
  3. Enter the One-Time PIN (OTP) sent to your registered mobile number to confirm
You will get acknowledged when the new account is successfully assigned to your registered mobile number
 
To remove the assigned account to your mobile number, just follow these steps:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Assign an Account to a Mobile Number, then Remove
  3. Tap Remove to confirm
You will get acknowledged when the assigned account is successfully unlinked from your registered mobile number.
 
You will receive an email notification for every change on/removal of the assigned account to your mobile number.
 
Note: Assigning an account to your registered mobile number will only let you receive money from participating banks or wallets. Sending money to a mobile number is not yet available.

No, you need to remove first the assigned account to your old mobile number, then assign again any of your accounts to your new mobile number.
 
To remove assigned accounts to your mobile number, just follow these steps:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Assign an Account to a Mobile Number, then Remove
  3. Tap Remove to confirm
You will get acknowledged when the assigned account is successfully unlinked from your old mobile number.
 
Once the assigned account is unlinked from your old mobile number, you can now assign your new mobile number to any of your accounts. Here’s how:
  1. Once you’re logged in, tap More, then Manage Accounts
  2. Tap Assign an Account to a Mobile Number, then select the account that you would like to assign 
  3. Enter the required details, then tap Assign
  4. Enter the One-Time PIN (OTP) sent to your registered mobile number to confirm
You will get acknowledged when the account is successfully assigned to your registered mobile number.
 
Note: Assigning an account to your registered mobile number will only let you receive money from participating banks or wallets. Sending money to a mobile number is not yet available.

Yes, you can reorder check booklets using the BDO Online app. Just follow these steps:
  1. Once logged in, tap More, then Checkbook Services
  2. Tap Reorder Checkbook
  3. Enter required details, then tap Reorder
  4. Review your request details, then tap Confirm
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN
  6. You may Save Image or Share the successful transaction confirmation page.
Note:
- This service is available from 9:00 AM to 5:00 PM only.
- You can get your checkbook from your branch of account. For Metro Manila, within 8-10 banking days, while for provincial areas, within 10-14 banking days.
- Authorized representatives must provide an authorization letter on the date of pick up.

Yes, you can request to cancel your check payments using the BDO Online app. Just follow these steps:
  1. Once logged in, tap More, then Checkbook Services
  2. Tap Stop Payment Order
  3. Fill out the required details, then tap Continue
  4. Review your request details, agree with the Terms & Conditions, then tap Confirm
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering 6-digit PIN
  6. You may Save Image or Share the successful transaction confirmation page.
Note:
- This service is available from 9:00 AM to 5:00 PM only.
- A service fee of PHP 200 per check will be charged for every successful stop payment order request.
- Check must be 6 months from issuance and has not been negotiated.
- The validity of the Stop Payment request is 6 months from the date it was made. A new Stop Payment Order application for renewal must be completed upon the lapse of the 6-month period.

Card Management

Yes, just follow these steps to set limits on your debit card: 
1. Once you’re logged in, tap More, then Manage Cards 
2. Tap the debit card that you would like to change the daily spending limits, tap Set Daily Card Limits, then Edit
3. You can set daily card limits for the following:
    a. ATM Withdrawals – Cash withdrawal limit via ATM
    b. PIN-based Purchases – In-store purchases that require a signature or PIN
    c. No-PIN Purchases – Online purchases or in-store purchases that don’t require a PIN
    d. Online Purchases – Sub-limit of No-PIN purchases
4. Once done setting your daily limits, tap Update
5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN
You will get acknowledged when the debit card limits are successfully updated.

You will receive an email notification for every successful change on your debit card limits.

Yes, you can temporarily block your debit card for foreign and converted-currency transactions. Just follow these steps:
  1. Once you’re logged in, tap More, then Manage Cards
  2. Tap the card that you would like to disable overseas transactions for, then toggle on Disable Overseas Transactions
You will get acknowledged when the Debit Card is successfully disabled for overseas transactions.
 
You can also enable your debit card so you can use it for overseas transactions. Just follow these steps:
  1. Once you’re logged in, tap More, then Manage Cards
  2. Tap the card you would like to enable, then toggle off Disable Overseas Transactions
  3. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN
You will get acknowledged when the Debit Card is successfully enabled for overseas transactions.
 
You will receive an email notification for every successful disabling and enabling of debit card for overseas transactions.

Yes, you can temporarily lock your card to block any transactions. Just follow these steps to lock your Debit or Credit Card:
1. Once you’re logged in, tap More, then Manage Cards.
2. Tap the Debit or Credit Card that you would like to lock, then toggle on Lock Card.
 
You will get acknowledged when the Debit or Credit Card is successfully locked.
 
You can also unlock your card so you can use it for your transactions. Just follow these steps to unlock your Debit or Credit Card:
1. Once you’re logged in, tap More, then Manage Cards.
2. Tap the Debit or Credit Card that you would like to unlock, then toggle off Lock Card.
3. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN.
 
You will get acknowledged when the Debit or Credit Card is successfully unlocked.
 
You will receive an email notification for every successful locking or unlocking of card.

Yes, just follow these steps to activate your credit card: 
1. Once you’re logged in, either:
     a. Tap Accounts to see all your accounts, then tap Activate Card on the credit card that you would like to activate
     b. Tap More, then Manage Cards. Select the card that you would like to activate, then tap Activate card

2. You will be redirected to Credit Card Activation - Home (bdo.com.ph).
     Enter the required details to verify your account, then tap Submit

Send Money

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:
        a. Own account - Send to your own BDO account
        b. Any BDO account - Send to another person's BDO account
       c. Other banks and wallets - Send to other local banks and mobile wallets via InstaPay or PESONet*
  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 or as recurring. Scheduled transactions are only available for Send Money to own account, to any BDO account, and to other banks and wallets via InstaPay.
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN
  6. You may Save Image or Share the successful transaction confirmation page
After a payment, you can tap Favorite at the lower right corner of the success screen to save your receiver details. Next time you pay, just select from your favorite receivers so that you don’t need to enter the details anymore.
 
*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:
    • [iOS] Upload QR Code from Photos / [Android] Upload QR code from Gallery - Import the QR code from your Photos or Gallery
    • 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
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN

 

You can Send Money* to any of the following:
  1. Your own other BDO PHP, or USD, or third currency Savings and Checking Accounts (same currency transfer or USD to PHP)
  2. Another person’s BDO PHP, USD or third currency Savings or Checking Account*
  3. Other local banks and mobile wallets via InstaPay or PESONet**
*Only same currency transfer is allowed 
**Only PHP to PHP transfers is allowed

You can Send Money to other banks and wallets via InstaPay or PESONet using the recipient’s account number by following these steps:
  1. Once you’re logged in, tap Send Money, then Other Banks and Wallets
  2. Tap the Send to field to select your recipient’s bank and whether to Send Money via InstaPay or PESONet:
    • InstaPay – Send Money real-time of up to PHP 50,000
    • PESONET – Send Money up to PHP 250,000 on the same day, if transaction is done on or before 3:00 PM*
  3. Fill out the other required details, then tap Send
  4. Review your details, then tap Confirm to send immediately or Schedule to schedule the transaction for later or as recurring. Scheduled Send Money transactions to other banks and wallets are only available for InstaPay transfers.
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN

* Transactions made after 3:00 PM, weekends and holidays will be processed on the next banking day.

You can also Send Money to other banks and wallets via InstaPay using the recipient’s QR code. Just follow these steps:
  1. Once you’re logged in, tap QR, then Send Money
  2. Choose the transaction type:
    • [iOS] Upload QR Code from Photos / [Android] Upload QR code from Gallery - import the QR code from your Photos or Gallery
    • 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
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN

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 Image 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
You can also add them manually through 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. Tap the + icon at the upper right corner
  4. Enter the required details, then tap Save

You will get acknowledged when the newly added Send Money recipient is successfully saved to favorites.

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
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:
         a. Swipe left on the chosen receiver, then tap X, or
         b. Tap the receiver, then Delete
  4. Tap Delete to confirm the deletion of saved favorite

Here are the daily transaction limits for Send Money:
1. To own BDO account
a. PHP to PHP, USD to USD or same third currencies– up to your available balance
b. USD to PHP – USD 5,000*
2. To another person's BDO account** 
a. PHP to PHP - PHP 200,000
b. Other currencies – depends on the currency (see Limits and Fees - Send Money to Enrolled 3rd Party)
3. To other local banks and mobile wallets via InstaPay - ₱50,000*
a. Via InstaPay - PHP 50,000***
b. Via PESONet – PHP 250,000****
 
*A service fee of USD 1 will be charged for every successful fund transfer. Service is available from 7 AM to 10 PM.
 
**Must be same currencies
 
***This limit includes InstaPay fees. The PHP 50,000 limit is part of the total PHP 100,000 limit shared with two other services - Withdraw via QR and Scan to Pay (in the BDO Pay app).
 
****A service fee of PHP 50 will be charged for every Send Money request. If the transaction is unsuccessful, the amount, excluding the service fee, will be credited back to your account within 2-3 banking days.

Yes, you can Send Money from your own USD account to your own PHP account.

Pay Bills

Just follow these steps to Pay Bills:
  1. Once you’re logged in, tap Pay, then Pay Bills
  2. Select or search the biller you would like to pay to
  3. Fill out the required details, then tap Pay
  4. Review your details, then tap Confirm to pay immediately or Schedule to schedule the transaction for later or as recurring
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN
  6. You may Save Image or Share the successful transaction confirmation page

After a payment, you can tap Favorite at the lower right corner of the success screen to save your biller details.
Next time you pay, just select from your favorite billers so that you don't need to enter the details anymore.

No, enrolled billers in the old BDO Online Banking website will not reflect in the BDO Online app. You can save the biller details as a favorite to make your future Pay Bills transactions easier.

Just follow these steps to save your favorite billers:
  1. Make a payment to your biller
  2. On the success screen of your Pay Bills transaction, tap Favorite at the lower right corner (beside Save Image and Share)
  3. Enter your preferred Favorite nickname, then tap Save
  4. You will get acknowledged when the details are successfully saved to favorites
  5. On your next transaction, just tap Select from Favorites on the Select Billers transaction screen and select your biller

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 Image 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 Select Billers transaction screen and select your biller. 
You can also add them manually through these steps:
  1. Once you’re logged in, tap More, then Manage Favorites
  2. Tap Pay Bills
  3. Tap the + icon at the upper right corner
  4. Enter required details, then tap Save

You will get acknowledged when the newly added biller is successfully saved to favorites.

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
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:
    • Swipe left on the chosen biller, then tap X
    • Tap the biller, then tap Delete
  4. Tap Delete to confirm the deletion of saved favorite

BDO Credit Card payments made via BDO Online, ATMs, and Cash Deposit Machines will be reflected within the same banking day. Payments to all other billers made after 10 PM are considered next banking day transactions.

Pay Bills transactions for some billers are only accepted until 10pm. Transactions made after the cut-off time will be rejected. For future payments, make sure to do them before 10pm.

Buy Load

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 to buy immediately or Schedule to schedule the transaction for later or as recurring
  7. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN
  8. You may Save Image or Share the successful transaction confirmation page

After a payment, you can tap Favorite at the lower right corner of the success screen to save your receiver details. Next time you pay, just select from your favorite receivers so that you don't need to enter the details anymore.

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 Image 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 also add them manually through these steps:
  1. Once you’re logged in, tap More, then Manage Favorites 
  2. Tap Buy Load 
  3. Tap the + icon at the upper right corner
  4. Enter required details, then tap Save

You will get acknowledged when the newly added receiver’s mobile number is successfully saved to favorites.

To edit the details of your saved mobile number, just follow these steps:
  1. Once you're logged in, tap More, then Manage Favorites
  2. Tap Buy Load
  3. Choose the favorite mobile number you would like to update, then tap Edit
  4. Enter the new details, then tap Save
You will get acknowledged when the updated details are successfully saved to favorites.

To delete a mobile number from your favorites, just follow these steps:
  1. Once you're logged in, tap More, then Manage Favorites
  2. Tap Buy Load
  3. Choose the favorite mobile number you would like to permanently delete, then either:
    • Swipe left on the chosen mobile number then tap X
    • Tap the mobile number, then tap Delete
  4. Tap Delete to confirm the deletion of saved favorite

QR Transactions

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:
        a. [iOS] Upload QR Code from Photos / [Android] Upload QR code from Gallery - Import the QR code from your Photos or Gallery
        b. 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
  5. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN

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 Image or Share the QR code generated

Generate a QR code using the BDO Online app, then use the generated QR code to withdraw.

Just follow these steps to Generate QR code:
  1. Once you’re logged in, tap QR, then Withdraw Money  
  2. Fill out the required details, then tap Generate QR  
  3. You may Save Image or Share the QR code generated* 
   *Generated QR code is valid for 30 minutes

Just follow these steps to Withdraw via QR:
  1. Generate a QR code on your BDO Online app
  2.  Go to the any QR-enabled BDO ATM (located in selected BDO branches), then tap QR Code Transaction on the screen
  3. Scan your QR code and wait for the transaction to be completed

Generate a QR code using the BDO Online app, then use the generated QR code to Deposit Money to your Own Account or to Any BDO Account.

To Deposit Money via QR to Own Account or to Any BDO Account, just follow these steps:
  1. Once you’re logged in, tap QR, then Deposit Money
  2. Tap Own Account or Any BDO Account
  3. Fill out the required details, then tap Generate QR
  4. Review your details, then tap Confirm
  5. You may Save Image or Share the QR code generated* 
   *Generated QR code is valid for 24 hours

Just follow these steps to Deposit via QR.
  1. Generate a QR code on your BDO Online app
  2. Go to the any BDO Universal Teller Machine (located in selected BDO branches), then tap QR Code Transaction on the screen
  3. Scan your QR code, then put the cash in the bin
  4. Review and confirm your cash deposit summary, then wait for the transaction to be completed

Other Transactions

Yes, you may still change or cancel your scheduled transactions at least one day before the scheduled payment.
 
To change the details of your scheduled transactions, just follow these steps:
  1. Once you’re logged in, tap Send Money for Send Money transactions or Pay for Pay Bills or Buy Load transactions, then View Scheduled
  2. Choose the specific transaction type to update:
    • [Send Money] Own Account, Any BDO Account, or Other Banks and Wallets
    • [Pay] Pay Bills or Buy Load
  3. Choose the specific scheduled transaction you would like to update, then tap Edit
  4. Enter the new details, then tap [Send Money] Send / [Pay Bills or Buy Load] Pay
  5. Review your details, then tap Schedule 
  6. Confirm your transaction with Face ID/Touch ID/Fingerprint or by entering your 6-digit PIN
To cancel your scheduled transactions, just follow these steps:
  1. Once you’re logged in, tap Send Money for Send Money transactions or Pay for Pay Bills or Buy Load transactions, then View Scheduled 
  2. Choose the specific transaction type to cancel:
    • [Send Money] Own Account, Any BDO Account, or Other Banks and Wallets
    • [Pay] Pay Bills or Buy Load
  3. Choose the specific scheduled transaction you would like to cancel, then tap Delete
  4. Tap Delete to confirm the cancellation of scheduled transaction

Yes, similar to transactions done using the old BDO Online Banking website or BDO Digital Banking app, Send Money and Buy Load on the BDO Online app is debited in real time.

For Pay Bills, the amount is also debited from your account in real time, but the posting date of payment varies according to the merchant biller.

The date reflected in 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 on the next banking day.

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. 

Most transactions will be reflected in the BDO Online app, except for the following:

  • Scheduled transactions
  • Saved templates for transactions
  • Changes in contact information
  • Password updates
  • Enrolled or saved billers
  • Enrolled third party BDO accounts
  • Enrolled prepaid mobile numbers
  • Created account nicknames


These transactions will only be applied to the channel you used to make them. This means that the listed transactions above made using the old BDO Online Banking website will not reflect in the BDO Online app, and vice versa.

Cash Card Reload will no longer be available in the BDO Online app. You may continue doing this on the BDO Online Banking website.

The bank employs these strict security requirements for the BDO Online app:
  1. The system has multi-factor authentication.
    • Device Registration
    • One-Time PIN (OTP)
    • 6-digit PIN for login and certain transactions
    • Biometrics for login and certain transactions
  2. The system uses trusted security certificate to secure customer data.
  3. The system does not store sensitive account information on your phone. This includes information like account numbers, card numbers, password etc.

No, BDO does not recommend sharing devices to access different Online Banking accounts. Once a device has been linked to a user, only that user can use that device to access their BDO Online Banking account. If another user accesses the same device and successfully logs in, that user removes the binding of the device and the original user.  

Metro Manila Number: (+632) 8888-0000
 
Domestic Toll-Free Numbers:  
(PLDT and Globelines ) : #8888-0000
 
International Toll-Free Number*: 
(IAC)+800-8-CALLBDO (2255-236)
*International Toll-Free Numbers Reminder: Charges apply for calls made using a mobile number.

Explore More

 

BDO Online Tips

How to Get Started with the new BDO Online App (without BDO Online Banking account)

 

BDO Online Tips

How to Switch to the new BDO Online app (With existing BDO Online Banking account)

Looking for more?

How to Enable Transaction and Account Notifications

Here's what to do to get updated on the status of your transactions with account notifications.

Here's what to do to get updated on the status of your transactions with account notifications.

How to Save to Favorites

Here's what to do to make your future transactions easier and more convenient by using Save to Favorites.

Here's what to do to make your future transactions easier and more convenient by using Save to Favorites.

How to Create or Edit Account Nickname

Here's what to do to make unique labels for your accounts so you can track them easier.

Here's what to do to make unique labels for your accounts so you can track them easier.