BDO Savings Account and Checking Account holders, and BDO Credit Card principal cardholders can sign up for BDO Pay. To sign up, you need an existing BDO Digital Banking account. Just sign in with your BDO Digital Banking Username and Password, and proceed with setting up your account. We’re working on letting BDO Pay users link their supplementary cards, too!

Keep in mind that virtual cardholders, supplementary cardholders, and cash cardholders can only sign up for BDO Digital Banking and BDO Pay if they also have other BDO accounts – either a BDO Savings Account, Checking Account, or principal Credit Card.

You’ll first need a BDO Digital Banking account to sign up for BDO Pay, since your Digital Banking Username and Password are the same details you’ll use on BDO Pay. If you already have a BDO account, getting Digital Banking is easy! Just follow these steps:

1. Sign up for Digital Banking by visiting online.bdo.com.ph > Online Banking Login > Not yet enrolled? Enroll Now! 

2. Download the BDO Pay app and sign up with your Digital Banking Username and Password. 

3. Choose which BDO Accounts you want to link to BDO Pay, then choose your default account. 

4. Enter a 6-digit PIN or use your device biometrics to log in and confirm transactions. 

5. Log in and start using BDO Pay!

We’re working on making BDO Pay available to both BDO accountholders and non-accountholders, but for now, you need a BDO account to sign up for BDO Pay. But don’t worry, you can open a BDO Savings Account easily online! No need to go to the branch. Just follow these steps:

1. Open an account online at bdo.com.ph/online-account-opening. Choose Online Savings Account, and submit your application and other requirements. 

2. Complete your application via Zoom call. Once done, make sure to fund your account within seven (7) banking days. 

3. Download the BDO Pay app and sign up with your Digital Banking Username and Password you set in Step 1. 

4. Choose which BDO Accounts you want to link to BDO Pay, then choose your default account. 

5. Enter a 6-digit PIN or use your device biometrics to log in and confirm transactions. 

6. Log in and start using BDO Pay!

Please use the mobile number registered to your BDO Digital Banking account.

If you want to change your number, log in to your BDO Digital Banking account, go to Profile Settings, and then Customer Information.   

Choose which device you want to use to sign up for BDO Pay, and enter the mobile number registered to your BDO Digital Banking account. When you’re done signing up, you can add the others as trusted mobile devices. 

It’s okay if they all have different numbers. What’s important is you are able to enter the One-Time PIN (OTP) that will be sent to the number registered to your Digital Banking account.

To add a trusted device, just download the app on the other devices you want to use, then log in. A text message from BDO-ALERT will be sent to the registered number, asking you to reply ADD DEVICE. Once you confirm, you’ll receive an OTP. 

You can add up to five (5) trusted devices.   

Here’s what you can expect if you use a different number to sign up:

1. After you log in to BDO Pay using your BDO Digital Banking account Username and Password, a One-Time PIN (OTP) will be sent to the number registered to your Digital Banking account. 

2. Once you enter the OTP, you will get a notification in the BDO Pay app to use the number linked to your Digital Banking account. 

3. Tap Proceed, and BDO Pay will automatically update your number to be the one you used on Digital Banking. 

BDO Pay can currently only link Digital Banking accounts with Philippine mobile numbers. But we’re working on letting you link Digital Banking accounts with international mobile numbers too! Stay tuned!

To get your OTP for your BDO Pay sign-up, make sure to follow these steps:

If you activated the OTP Generator on your Digital Banking app, open the app and tap OTP Generator. The Generator will show you an OTP. Simply enter it into your BDO Pay sign-up screen.

You can also get your OTP via text message by tapping OTP via SMS on the OTP screen of your BDO Pay sign-up. If you still haven’t received the text message after a few minutes, just tap Request new OTP. 

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 Digital Banking details. Double-check your details  and try again.   

3.The mobile device you’re using may have been jailbroken. Please try to sign up for BDO Pay using a different device.   

If you’re absolutely sure you haven’t made any mistakes entering your details, double-check that you’ve typed in your Digital Banking Username and Password instead of just copy-pasting them. BDO Pay currently cannot recognize copy-pasted login details, but we’re working to make this possible! We’re also working to make the app compatible with password managers soon.

If typing in your Username and Password still doesn’t work, it could be because your current Digital Banking Password contains any of the following special characters which have been disabled on the app: [!#$%^&';"]. If your current Password contains these characters, you’ll have to reset it first at online.bdo.com.ph to make it compatible with BDO Pay. We’re working on this issue, and we’re sorry for the inconvenience.

Go to https://online.bdo.com.ph using your mobile or desktop browser and log in with your Digital Banking Username and Password. Update your phone number so it starts with +639, or add an alternate email. Then activate the changes at the nearest BDO ATM, after which you will be able to sign up for BDO Pay.

This means your BDO Digital Banking account either has an expired password or is blocked. You can update an expired password by going to https://online.bdo.com.ph, and tapping on Forgot Password. If you have a blocked account, please call the BDO Contact Center at (02) 8631-8000.

BDO Digital Banking customers 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 Account.  You'll see a list of all accounts on Digital 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.

For your security, only accounts that you’ve added to your BDO Digital Banking account can be linked to BDO Pay. If an account does not appear on the list, it means you haven’t added it to Digital Banking yet. Expired Digital Banking accounts are also not linkable to BDO Pay. 

Remember that you can link Savings and Checking Accounts, Debit Cards, and Principal Credit Cards to Digital Banking and BDO Pay. Virtual Card, Supplementary Credit Card, and Cash Card cardholders can only sign up for BDO Digital Banking and BDO Pay if they also have at least one of the other types of BDO accounts mentioned above. 

Supplementary Credit Cards and Virtual Cards cannot be linked yet to BDO Pay, but we’ll let you know as soon as they’re available!

To add accounts to your Digital Banking account: 

1. Log in to the Digital Banking app and tap More > Enrollment Services > Enroll Own Account 

2. Enter the required details 

3. Tap Continue to review, then tap Confirm 

You can link and unlink your BDO accounts to BDO Pay anytime! To do this after sign-up:  

1. Log in to BDO Pay and tap More > Link/Unlink Accounts 

2. Choose which of your BDO accounts you want to link or unlink, and tap Update

To link your accounts to BDO Pay, make sure they’re added to your Digital Banking account. 

To add accounts to your Digital Banking account using the Digital Banking app: 

1. Log in and tap More > Enrollment Services > Enroll Own Account.

2. Enter the required details.

3. Tap Continue to review, then tap Confirm.

To add accounts to your Digital Banking account using the website: 

1. Log in and click Enrollment > Own Account > Enroll. 

2. Enter the required details.

3. Click Submit.

Your account will be added to Digital Banking in real-time. 

There is no limit to the number of accounts you can link to BDO Pay. However, they must have already been added to your Digital Banking to be able to link them. You can only link Savings and Checking Accounts and Credit Cards. You can link a Cash Card only if you have other BDO accounts linked to your Digital Banking account. You cannot link foreign currency accounts, joint accounts, and Time Deposit accounts. 

You also cannot link Supplementary Credit Cards and Virtual Cards yet, but stay tuned as we will announce as soon as this is available!