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, select Send Money, then Other Banks and Wallets
2. Select the Send to field, choose whether to Send Money via InstaPay or PESONet, then select your recipient’s bank:
        a. InstaPay – Send Money real-time of up to PHP 50,000
        b. PESONet* – Send Money up to PHP 500,000 on the same day*
   
3. Choose the schedule type*** and fill out the other required details or [App] tap the QR icon beside the account number field, then tap Send. For PESONet transactions, make sure to provide the receiver’s complete first name and last name
4. Review your details, then: 
   [App] tap Confirm to send immediately or Schedule to schedule the transaction for later or as recurring 
   [Website] click Confirm to proceed to authorizing your transaction, or choose Edit to go back to the previous page and update your transaction details as necessary 
   Scheduled Send Money transactions to other banks and wallets are only available for InstaPay transfers
5. Confirm your transaction: 
   [App] With Face ID/Touch ID/Fingerprint or by entering your Passcode 
   [Website] Via your BDO Online app-registered device or by entering the One-Time PIN (OTP) sent to your registered mobile number 

*Covers personal accounts only.
**Transactions made after 3:00 PM, on weekends and holidays will be processed on the next banking day.
*** “Now” to send money immediately, “Later” or “Recurring” to schedule the transaction for later or as recurring. Scheduled transactions are only available for Send Money to other banks and wallets via InstaPay.

You can also Send Money to other banks and wallets via InstaPay using the recipient’s QR code (via the BDO Online app only). Just follow these steps:

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 Passcode

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

The actual crediting of funds to the receiver’s account depends on the receiving bank’s processing schedule.

You can use Send Money via Wire Transfer* when transferring from your BDO US Dollar Savings Account to another US Dollar account of a local or foreign bank.

*Available on the BDO Online website only

You can Send Money to another US Dollar account of a local or foreign bank using your USD Savings account via Wire Transfer* by following these steps:

1. Once you’re logged in, select Send Money, then Wire Transfer
2. Select Other Local Bank or Foreign Bank
3. Fill out the required details**, then select Send.  
   For transactions bound for Europe and Middle East countries, indicate the International Bank Account Number (IBAN) in the Beneficiary account number.
4. Review transaction details, then select Confirm
5. Confirm your transaction via your BDO Online app-registered device or by entering the One-Time PIN (OTP) sent to your registered mobile number, then select Submit

Upon successful submission of Wire Transfer request, the amount to be sent, service fees, and remittance charges (if any), will be debited from your account; while funds will be credited to the recipient account within 3-5 banking days if transaction details have no discrepancies. The transaction/request date is already counted as 1 banking day, if the request was made on or before 12 PM.

*Available on the BDO Online website only 
** Includes Sender or Remitter details, Recipient or Beneficiary details, and a SWIFT code. Make sure to select the correct purpose of wire transfer. If your intended purpose is not in the options, please visit any BDO branch to request Send Money via Wire Transfer.

REMINDER: Please ensure that the fields in the recipient details such as Bank, Country of Destination (For Wire Transfers to Foreign Banks), Bank Address, Account Number, SWIFT Code, and other such fields are correct to ensure that the transaction proceeds.

1. 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, select Favorite at the [App] lower right corner (beside Save Image and Share) / [Website] upper right corner (beside Print)
   2. Enter your preferred Favorite nickname, then select Save
   3. You will get acknowledged when the details are successfully saved to Favorites.
   4. On your next transaction, just tap the favorite receivers you wish to Send Money to

You can also add them manually through these steps: 

1. Once you're logged in, select More, then Manage Favorites
2. Select Send Money to Any BDO Account, Send Money to Other Banks and Wallets or Send Money via Wire Transfer*
3. Select Add Favorite, [App] or the + icon at the upper right corner
4. Enter the required details, then select Save 

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

*Available on the BDO Online website only

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

1. Once you're logged in, tap/click More, then Manage Favorites
2. Tap/click Send Money to Any BDO Account, Send Money to Other Banks and Wallets or Send Money via Wire Transfer*
3. Choose the favorite receiver you would like to update, then tap/click Edit
4. Enter the new details, then tap/click 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/click More, then Manage Favorites.
2. Tap/click Send Money to Any BDO Account, Send Money to Other Banks and Wallets or Send Money via Wire Transfer*.
3. Choose the favorite receiver you would like to permanently delete, then either:
     a. [App] Swipe left on the chosen receiver, then tap X, or
     b. [App and Website] Tap/click the receiver, then Delete
4. Tap/click Delete to confirm the deletion of saved Favorite.

*Available on the BDO Online website only

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 500,000
        b. Other currencies – depends on the currency (see Limits and Fees - Send Money to Any BDO Account (Same Foreign Currency))
3. To other local banks and mobile wallets***
        a. Via InstaPay - PHP 50,000****
        b. Via PESONet – PHP 500,000*****
   
4. To other local banks or foreign banks via Wire Transfer****** – up to your available balance

*Daily transaction limits are shared by BDO Online app and website, and BDO Pay app.

**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 currency

****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).

*****If the transaction is unsuccessful, the amount will be credited back to your account within 2-3 banking days.

******A service fee of USD 10 will be deducted from the Sender’s source account for every Send Money request regardless of Wire Transfer Type (receiving bank is either local or foreign). Additional charges may be deducted from either the Sender’s source account or the Beneficiary’s received amount, depending on the Wire Transfer Type and the selected Remittance Charge To type. For more details on the Wire Transfer charges, see Limits and Fees - Send Money via Wire Transfer. Processing of Wire Transfer request will take 3-5 banking days provided the transaction details submitted have no discrepancies.

A Service Fee of USD 10 will be deducted from your source account for every Send Money via Wire Transfer request.

Also, a Remittance Charge of USD 25 will be deducted from your source account per wire transfer to foreign bank request if the “Charge To” type selected is Sender or Remitter. This is on top of the amount to be sent.

For wire transfers made to other local banks and wire transfer to foreign banks where the “Charge To” type selected is Recipient, receiving bank’s remittance charges will be charged to the Recipient.

Please see table below for the summary of charges:

You may view the status of your request via the Wire Transfer Transaction Status page on the BDO Online website. Just follow these steps:

1. Once you’re logged in, click Send Money, then Wire Transfer
2. Select Wire Transfer Transaction Status

You will also receive an email notification sent to your registered email address for every transaction request, and once your request has been processed successfully or rejected by the beneficiary bank.

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

Send Money via Cash Pick-up and Door-to-Door can no longer be done as the old BDO Online Banking website is no longer available. 
 
Use instead the BDO Online app or website to enjoy the following services for FREE (no more PHP 100 service fee!).

• Send Money to any BDO account, and receivers can withdraw from more than 5,800 ATMs using their Debit Card or from the 12,000 Cash Agad agent locations nationwide.
• Generate a QR on the BDO Online app to send to your receivers, and they can scan it at any BDO QR-enabled ATM nationwide to withdraw cash.

Otherwise, you can Send Money via InstaPay (PHP 10) or PESONet (PHP 50).