Download the new BDO Pay app

Frequently Asked Questions

BDO Pay is your everyday e-wallet app that offers you a convenient way to make payments through features like Send and Receive Money, Pay Bills, and Scan or Show QR. 

Non-BDO customers can get started on BDO Pay with a BDO Pay account. It's the easiest account to get you started with BDO, requiring no initial deposit or maintaining balance, with the application done completely online. 

Users can expect an overall enhanced experience and better performance with the new BDO Pay app. We've retained its familiar look and feel while making subtle improvements for a more refined experience. We’ve also added a few new features that we think users will find useful. 

In the new app, users can now do the following: 
- Scan and process QR Ph codes 
- Nominate a receiving account  
- See all their transactions (even those made outside of the app i.e., branch, website, etc.) 

- View their credit card points, and convert or redeem them through a link 
- See their remaining credit card limit 

- View all Received and Sent requests under Request Money 
- Save an account or contact as Favorite (Send Money) 
- Save a biller as Favorite (Pay Bills) 

The old app is no longer available on both Google Play and App Store.

For those who still have both the new and old app installed on their mobile phones, simply check the app icons. The old version features the BDO Pay logo on a plain blue background, while the new version has light blue cards on the lower right corner.

After downloading the new BDO Pay app, please delete the old app.

BDO Pay is an e-wallet app linked to your BDO accounts and/or credit card. It lets you use your account's available balance or credit card limit to make convenient everyday payments. Some of its features include Scan to Pay, Split Bill, Send & Receive Money, and Pay Bills.

BDO Online is the new and improved version of the BDO Digital Banking app – designed for easy and secure on-the-go banking. It lets you manage your accounts, keep track of your finances, and perform financial transactions anywhere at any time.

The Online Banking website also lets you manage your accounts and perform transactions but is accessible on a desktop or laptop.

Anyone can sign up for the BDO Pay app! See which category you fall under, and follow the steps to sign up.

1. People with BDO Online Banking

If you have a BDO Savings, Checking, or Credit Card account enrolled in Online Banking, you can sign up for the BDO Pay app. Just use your Online Banking username and password.

2. BDO account holders and credit cardholders

If you have at least one BDO account or credit card but have no Online Banking yet, you can also sign up for the BDO Pay app. But first, you have to enroll your  BDO account in Online Banking. 
Here’s how to sign up for BDO Online: 

  1. Download the new BDO Online app from Google Play Store or App Store. 
  2. At the bottom of the homescreen, tap Sign up > Savings or Checking account*
  3. Enter the required details and agree to the terms and conditions 
  4. Create your username and password, then tap Submit

Once your BDO Online Banking account has been created, you can use your login details to sign up for the BDO Pay app. 

*Choose Credit Card only if you don’t have an existing BDO Savings or Checking Account. 

3. People with no BDO accounts yet

Now, even non-BDO account holders can sign up for the BDO Pay app. But first, you must sign up for a BDO Pay Account.
To sign up for this type of account, you need to download the BDO Pay app and tap Open a BDO Pay Account to get started.

Yes, as long as you use the Philippine or international mobile number connected to your BDO Online Banking account and you are able to receive One-Time PINs through that number. 

Once you’ve signed up for the BDO Pay app, you can enjoy features like Scan to Pay, Send and Request Money, Split Bill, Pay Bills – and even more coming soon!

To sign up for BDO Pay, the customer must already have an existing account in the BDO Online app and follow these steps:  

  1. Download and open the BDO Pay app 
  2. Enter username and password for BDO Online 
  3. Enter the OTP sent to their registered mobile number  
  4. Review and agree to the Terms & Conditions and Data Privacy Consent  
  5. Enable their biometric login option  
  6. Create a 6-digit PIN 
  7. Set their Default Payment Account, Default Receiving Account, and choose which accounts to link to BDO Pay 
  8. Start using BDO Pay 

Default Payment Account: the pre-selected source account for transactions 
Default Receiving Account: the selected account where they will receive money sent to their mobile number

Right now, only BDO Savings, Checking, BDO Pay Account holders, and principal BDO Credit Cardholders can sign up for BDO Pay. 
Sign up for BDO Online and use your username and password to sign up for BDO Pay. 

No, but you can open a BDO Pay Account so you can start using the BDO Pay app. Here's how: 

  1. Download the BDO Pay app from Google Play Store or App Store
  2. Open the app and tap Open a BDO Pay Account
  3. Tap Start Application and fill out the application form 
  4. Once your application has been approved, open the BDO Pay app again and sign up using the Online Banking account username and password you created on Step 3. 

As long as you also have a BDO Online account, yes, you can still sign up for BDO Pay.

Right now, linked BDO Credit Cards can only be used for Scan to Pay transactions in BDO Partner Merchants

Please use the mobile number registered to your BDO Online account.
To update your mobile number, use the BDO Online app and follow these steps: 

  1. Tap More
  2. Select Update Profile
  3. Then proceed to update your mobile number

The new BDO Pay app will only allow one device at a time. So if you sign up for BDO Pay on a new device, your older device session will be removed and replaced with the newer device registered.

One-time PIN (OTP) will then be sent to the mobile number registered to your BDO Online account.

If you already have a BDO Online account, signing up for BDO Pay takes five minutes or less.   

Here are the things that could lead to an unsuccessful sign-up, and what you can do to fix it:

  1. Your sign-up process might have been interrupted by an unstable internet connection. Check your internet connection and try again.
  2. There might have been a typo in your BDO Online Banking details. Double-check your details and try again.
  3. The mobile device you’re using may have been jailbroken (iPhone)/rooted (Android). Please try to sign up for the BDO Pay app using a different device.
  4. You might be using your password for Digital Banking. Make sure you are using your BDO Online password to sign up. 

We’re currently updating our systems, and as a result, some users may need to create a new password while setting up the app.

Here’s how: 

  1. On the screen where you’re asked for your Online Banking username and password, tap Need help logging in? 
  2. Select I’d like to reset my password
  3. Type in the requested information, then tap Submit
  4. Log in to the BDO Pay app with your new password

This will reset your password on both BDO Pay and the BDO Online apps.

Note: Resetting your password on the BDO Pay app or BDO Online app does not automatically reset your password on the BDO Digital Banking app; and vice versa.

Make sure that you reset your password on either the BDO Pay app or the BDO Online app. The old BDO Digital Banking app and web version use a separate password, so resetting on either of those platforms won’t update BDO Pay.

If you reset your password on the BDO Pay app or new BDO Online app, and it still doesn’t work, please try the following: 

  1. Uninstall your existing BDO Pay app
  2. Download the latest version from Google Play Store or App Store
  3. Log in to your account with your BDO Online username and password, then enter the One-Time PIN (OTP) you'll receive via text message. 

If you forgot your password, this is what you can do:

  1. On the screen where you're asked for your BDO Online username and password, tap Need help logging in?
  2. Tap I'd like to reset my password
  3. Enter your BDO Online username and the last 4 digits of your account or card number
  4. Enter the OTP sent to your registered mobile number 
  5. Nominate and confirm your new password. Remember, 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: backslash [\], double quotes [""], and single quote ['])
    • Must not be an old password

An email notification for every successful password change will be sent to your registered email address.

Note: Resetting your password on BDO Pay or BDO Online does not automatically reset your password on the BDO Digital Banking app, and vice versa

If you forgot your username, follow these steps:

  1. On the screen where you're asked for your BDO Online username and password, tap Need help logging in?
  2. Tap I'd like to get my username
  3. Enter your registered email address
  4. Your username will be sent to your registered email address 

Your One-Time PIN (OTP) will automatically be sent via text message to the number registered to your BDO Online account. If you don’t receive it after a few minutes, tap Resend OTP.

If you’ve just signed up for BDO Online, you’ll need to wait 48 hours before you can successfully sign up for BDO Pay. 

If it has been more than 48 hours, please double-check that the password you’re typing in is correct.

Yes, you can easily hide or unhide your available balance or credit limit by tapping the eye icon on the app dashboard.  
If you hide your balance before logging out, it will remain hidden when you log back in. 

There are lots of things you can do to keep your BDO Pay accounts safe and secure! Here are some important tips:

  • Never share your username, password, and 6-digit PIN with anyone else.
  • Never give your Credit Card number and expiry date, CVV, and OTP to anyone else.
  • Only Scan to Pay or upload BDO Pay QRs from people you know.
  • Keep your list of devices updated. Delete the devices that you no longer use. (To do this, tap More > Manage Devices)
  • Check your transaction history regularly, and call the BDO Contact Center at (+632) 8631-8000 if you notice any unrecognized transactions.
  • If you use your BDO Pay app to receive payments, don't trust screenshots of transaction receipts alone. Check if it's recorded in your transaction history, too.

Just follow these steps to change PIN: 

  1. Log in to the BDO Pay app
  2. Tap More > Set Login Options, then tap Change 6-digit PIN
  3. Enter your current 6-digit PIN
  4. Set your new 6-digit PIN and confirm
  5. Tap Next
  6. Tap Ok

This feature is available only on phones that support biometrics. If your device supports fingerprint or face authentication, follow these steps to set it up on your BDO Pay app:

  1. Go to More > Set Login Options
  2. Toggle on [iOS] Enable Face ID/Enable Touch ID / [Android] Enable Biometrics, then follow the instructions to set up your biometrics.

To reset your PIN:

  1. On the login screen of the BDO Pay app, tap Log in, then Forgot PIN? 
  2. Enter your BDO Online app username and password, then tap Log in
  3. Enter the OTP sent to tje mobile number via SMS
  4. Enter the new 6-digit PIN and tap Next
  5. A confirmation screen will appear to confirm that the PIN has been successfully updated
  6. Proceed to login

 

No, changing your BDO Pay 6-digit PIN will not change your BDO Online app login details. The 6-digit PIN is only for BDO Pay. 

Here are the steps to regain access to your account if you've been locked out because of too many failed PIN attempts: 

  1. On the login screen of the BDO Pay app, tap Log in then Forgot PIN?
  2. Log in using your BDO Online app details and enter your One-Time PIN (OTP) 
  3. Follow the steps in the app to set up your account again

If you got locked out because the password was entered incorrectly too many times: 

  1. Open the BDO Pay app 
  2. On the screen where you're asked for your BDO Online username and password, tap Need help logging in?
  3. Choose I'd like to reset my password
  4. Type in your username and last four digits of any of your account numbers or the last four digits of your debit or credit card numner. Tap Submit
  5. Enter your One-Time PIN (OTP) 
  6. Reset your password and log in

This will reset your password on both BDO Pay and the BDO Online app. 

Note: Resetting your password on the BDO Pay or BDO Online does not automatically reset your password on the BDO Digital Banking app; and vice versa.

You'll just have to reset your password. Here's how: 

  1. On the BDO Pay app tap Need help logging in? 
  2. Choose I'd like to reset my password
  3. Type in your username and last four digits of any of your account numbers or the last four digits of your debit or credit card number. Tap Submit
  4. Enter your One-Time PIN (OTP) 
  5. Reset your password and log in

This will reset your password on both BDO Pay and the BDO Online app.

Note: Resetting your password on the BDO Pay or BDO Online does not automatically reset your password on the BDO Digital Banking app; and vice versa.

If you have chosen to log in via biometrics, and not 6-digit PIN, anyone whose biometrics are also saved on your device will be able to log in to your BDO Pay app

Please report phishing attempts via email or any other scam websites or text messages to reportphish@bdo.com.ph. Please make sure you forward the entire email, instead of just sending screenshots.

If you suspect that someone has taken over your account, please call the BDO Contact Center at (+632) 8631-8000.

Please report the unrecognized or unauthorized transaction by calling the BDO Contact Center at (+632) 8631-8000..

Check the official list of BDO email addresses and sender names for notifications, advisories, and marketing. Just follow these steps: 

  1. Go to bdo.com.ph
  2. Search for "Sender Names" to view the official SMS and Email senders. 
    For SMS, select "Official SMS Senders"
    For email, select "Official Email Senders"

In addition, emails from @prd.bdopay.azure.backbaseservices.com are also legitimate. 

Yes! To update your mobile number, use the BDO Online app and follow these steps: 

  1. Tap More
  2. Select Update Profile
  3. Then proceed to update your mobile number

OTP will be sent to your registered email address. 

Push notifications for the BDO Pay app may not be turned on for your device. Check the notification settings on your phone and adjust the permissions you have for the app. 

If you’re still not getting push notifications even with your adjusted settings, you may have an unstable internet connection. 

In case you haven’t received a push notification you’ve been expecting, check the BDO Pay app icon to see if there’s a notification badge. You can also check in-app by tapping on the Notification Bell.

BDO Pay users can choose which accounts* to link during sign-up. If you want to link or unlink afterwards, follow the steps below:

  1. Log in to BDO Pay, tap More, and then tap Link/Unlink Accounts. You'll see a list of all accounts on Online Banking that can be linked to BDO Pay.
  2. To link additional accounts, tap on the checkboxes next to the account name. To unlink an account and remove it from BDO Pay, tap on the blue checkmark next to the account name.
  3. Tap Update.

*All BDO accounts, except Joint accounts, can be accessed on BDO Pay. Customers with Joint accounts can view their balances on BDO Online but cannot use them on BDO Pay.

BDO Cash Cards can no longer be linked to the BDO Pay app, but you can still view it through Digital Banking, use it to withdraw at BDO ATMs, and use it to pay at establishments that accept BDO Cash Cards.

We're working on making this function available again in the BDO Pay app. We apologize for this inconvenience.

BDO Savings and Checking Accounts, Debit Cards, and primary Credit Cards can be linked to the BDO Pay app. You can also link one BDO Pay Account.

Cash Cards cannot be linked to the BDO Pay app. Joint OR accounts also cannot be shown on the app. 

All your BDO accounts and cards automatically appear in your Link/Unlink Account screen. You simply have to select which ones you want to use on BDO Pay.

If an account still doesn’t appear even if it’s been more than 48 hours since you’ve opened it, please call the BDO Contact Center at any of these numbers:

Metro Manila:

(+632) 8631-8000

Domestic Toll-Free Numbers:

1800-10-631-8000 (PLDT)

1800-3-631-8000 (Digitel)

1800-5-631-8000 (Bayantel)

1800-8-631-8000 (Globelines)

International Toll-Free Numbers:

IAC +800-8-631-8000

You can link up to a total of 40 accounts. This is how many you can link per account type:

  • BDO Pay Account – One (1) linked account
  • Savings or Checking Account – up to 20 accounts
  • Credit Cards – up to 20 cards

To Create/Edit your account nickname, just follow these steps: 

  1. Tap the card image of the account you want to update
  2. Tap the 3-dot icon at the upper right of the screen
  3. Select Edit account nickname
  4. Enter your preferred nickname and tap Save

Yes, you can change your default account on BDO Pay even after you sign up. Just follow these steps:

  1. Tap Accounts
  2. Tap the icon at the upper right of the screen 
  3. Select which accounts you want to set as your Default Payment Account and Default Receiving Account
  4. Tap Update to save your changes 

No, you can only set one (1) Default Payment Account and one (1) Default Receiving Account. 

No, Cash Cards cannot be linked to the BDO Pay app.

No, you can only link your BDO Savings Account, Checking Account, BDO Pay Account and BDO Credit Cards to BDO Pay.

Yes, you can link and use your Checking Account on the BDO Pay App.

You can also link your Payroll Account, as long as it is a Savings, Checking, or Debit Account. Cash Cards cannot be linked to the BDO Pay app.

You can only link BDO Savings, Checking, Pay Account, or BDO Credit Cards to BDO Pay.  

Yes, just follow these steps to add your Joint OR account or other own accounts: 

  1. Once you're logged in, tap More, trhen Manage Accounts
  2. Tap Add Own Account, then choose the account type (Checking account or Savings account) 
  3. Fill out the required details, then tap Add

If you set your Credit Card as your default account, you will be able to use it to Scan to Pay in BDO Partner Merchants, but not to Send or Receive Money. Money received will go to the nominated default receiving account. 

If you don’t have a Checking or Savings account linked, the transaction will not push through.

As long as you also have a BDO Online Banking account, yes, you can still sign up for the BDO Pay app.

Right now, linked BDO Credit Cards can only be used for Scan to Pay transactions

The BDO accounts and cards that appear on your BDO Pay app are the ones you linked when you signed up.

If you have a new BDO account that you’d like to add, here’s how to do it:

  1. Tap Accounts
  2. Tap the icon at the upper right of the screen 
  3. Select which accounts you want to link to the app 
  4. Tap Update to save your changes

Remember that only BDO Savings and Checking Accounts, Debit Cards, Principal Credit Cards, and one BDO Pay Account can be linked to the BDO Pay app.

To remove an account from the BDO Pay app, all you have to do is unlink it. 

Here’s how to unlink an account from the BDO Pay app:

  1. Tap Accounts
  2. Tap the icon at the upper right of the screen
  3. Select which accounts you want to link to the app
  4. Tap Update to save your changes

You can remove your inactive BDO accounts by unlinking them from BDO Pay.

If you’d like to reactivate a BDO Savings or Checking Account, please visit your BDO branch of account.

If you’d like to reactivate a BDO Pay Account, simply cash in.

The BDO Pay app will only allow one device registered at a time. If you sign up for the app on a new device, your older device session will then be removed and replaced with the newer device registered. One-Time PIN (OTP) will then be sent to the mobile number registered to your BDO Online account.

No, you can add a mobile device to use specifically with the BDO Pay app only.
Note: One-Time PIN (OTP) for new device registration is sent to the mobile number registered to BDO Online.

For your security and protection, you are allowed to use only one device for your BDO Pay app. 

No, you need to add your new device on your BDO Pay app. You can do this by simply logging in to the app with your new device.

You can view your BDO Pay app transaction history simply by tapping on the card that represents the account you want to see. Your transactions will be listed on your screen.  

You can also tap the bell icon from the dashboard to view your transaction notifications. Each notification, when tapped will show a more detailed transaction information. 

Yes, all your BDO Pay transactions will reflect in your BDO Online account, and vice versa. 

The BDO Pay app will always ask you to review and confirm a transaction before processing it. Because of this, all BDO Pay app transactions are considered final and cannot be cancelled. Please coordinate directly with your Merchant, Biller, or other BDO customers for any changes you want to make to your transaction.    

You can change your notification settings for the BDO Pay app by going to your phone’s notifications and adjusting the permissions you have for the app.   

Here's another way to turn off notifications for BDO Pay: 

  1. On your BDO Pay app dashboard, tap the bell icon
  2. Then tap the gear icon at the upper right 
  3. Select which notification you don't want to receive and toggle to turn off 

Right now, you can use your BDO Credit Cards to do Scan to Pay transactions. Please note that they cannot be used to Send and Receive Money, or Pay Bills.

Generate a QR code using the BDO Pay app, then use the generated QR code to widthraw. Just follow these steps to generate a QR code:

  1. Once you're logged in, tap Pay and Request, then tap Withdraw Cash via QR
  2. Fill out the required details, then tap Generate QR
  3. You may Save or Share the QR code generated 
    Note: Generated QR Code is valid for 30 minutes only. 

Follow these steps to Withdraw via QR:

  1. Generate a QR code on the BDO Pay app 
  2. Go to a BDO ATM*, then tap QR Code Transaction on the screen 
  3. Scan your QR code and wait for the transaction to be completed 
    Note: *QR-enabled ATMs are available in select areas only.

 

Yes, you can transfer your credit card points to BDO Rewards using the BDO Pay app. Just follow these steps:

  1. Log in to BDO Pay. Tap the card image of the account or tap Accounts at the bottom of the screen and select the credit card account
  2. Tap BDO Rewards Card to send to your own or another person’s BDO Rewards account.
    Tap BDO Credit Card Cash Credit to send to your BDO Credit Card Cash Credit account 
  3. Fill out the required details, then tap Transfer Points
  4. Review the details, agree to the BDO Rewards Program Terms & Conditions, then tap Confirm

For transfer rewards transactions, users will be redirected to Deals | BDO Unibank, Inc.

For AMEX Cardholders:

  1. From the BDO Pay Dashboard, scroll down and go to the “Make it easy” section
  2. Tap the banner with the headline “Redeem your American Express Membership Rewards Points”

For Diners Club Cardholders:

  1. From the BDO Pay Dashboard, scroll down and go to the “Make it easy” section
  2. Tap the banner with the headline “Redeem your Travel Miles”

 

Yes, qualified transactions made using BDO Pay can also earn Credit Card Peso Points.

No. You would have to convert your Credit Card Peso Points to Cash Credits first. Once processed and posted, the Cash Credit amount will be deducted from your outstanding balance.

Yes, you can transfer Credit Card Peso Points to any BDO Rewards Card nominated by the Principal Cardholder. 

Principal Cardholder: Primary account holder responsible for managing and using a credit or debit card account.

None. There are no fees when transferring your Credit Card Peso Points to your own or another person's BDO Rewards Card. 

Please allow seven (7) to ten (10) banking days from the date of redemption. 

None! You can choose to convert or transfer your entire Peso Points balance. You can redeem starting at 1 Credit Card Peso Point.

Redemption of Credit Card Peso Points is considered final and can no longer be cancelled or transferred back as Peso Points. 

Generate a QR code using BDO Pay and then use the generated QR code to withdraw. Follow these steps to Generate a QR code:

  1. Once logged in, tap Pay and Request, and then tap Withdraw Cash via QR
  2. Fill out the required details, then tap Generate QR
  3. You may Save or Share the QR code generated*
    *Generated QR code is valid for only 30 minutes

Follow these steps to Withdraw via QR:

  1. Generate a QR code on your BDO Pay app
  2. Go to the ATM, then tap QR Code Transaction on the screen
  3. Scan your QR code and wait for the transaction to be completed
    Note: QR-enabled ATMs are available in select areas only

You can Buy Load by following these easy steps:

  1. Tap Pay & Request > Buy Load
  2. Choose a favorite or input the recipient’s mobile number manually
  3. Enter the transaction details and then tap Next
  4. Select the load amount and then tap Buy
  5. Review, confirm, and authorize the transaction

Save your favorite contact to make future Buy Load transactions easier. Just tap Favorite on your transaction success screen. Your Favorite contacts will be at the top of the list when you open Buy Load again.

You can Buy Load for prepaid mobile numbers from the following network providers:

  • Smart
  • TNT
  • Sun
  • Globe
  • TM
  • DITO

Yes, but you can save frequent recipients as a favorite to make future Buy Load transactions easier. After your first Buy Load transaction, do these steps to save a contact as a Favorite:

  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. Get an acknowledgement that you have saved a contact as a favorite

For your next Buy Load transaction, you can just select them from your Favorites.

You can save up to fifty (50) favorites.

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

  1. Once you’re logged in, tap More
  2. Under Manage Favorites, tap Buy Load
  3. Choose the mobile number you wish to update, then tap the pencil icon
  4. Enter the new details, then tap Save

You will get a confirmation once the updated details were successfully saved.

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

  1. Once you’re logged in, tap More
  2. Under Manage Favorites, tap Buy Load
  3. Choose the mobile number you would like to delete, then tap the trash bin icon
  4. Tap Delete to confirm this action

None. The Buy Load service is free!

You will get in-app and email notifications if your Buy Load transaction is successful. The recipient of the load will also receive an SMS confirmation from the network provider.

You can also check your transaction history to confirm if the Buy Load was successful.

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