Getting Started

 

Sign-Up

What is the difference between the BDO Digital Banking app and the BDO Pay app?
BDO Digital Banking is like your safe that helps you grow your wealth while managing your accounts, while BDO Pay is like your wallet that helps you enjoy life and easily pay for everything you need.
 
With BDO Digital Banking, you can request for checkbooks, invest online, and instantly see the balance of each of your accounts - from your Savings Account and Time Deposit to your BDO Loans.
 
On the other hand, BDO Pay, BDO’s new mobile wallet, makes everyday payments quick, easy, and fun! It lets you Send and Request Money, Pay Bills, Scan to Pay, and Split Bills — straight from your BDO accounts. No cash-in, no hassle!
Who can sign up for BDO Pay?

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.

What benefits do I get when I complete my sign-up?

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

How do I sign up for BDO Pay?

You’ll need a BDO Digital Banking account to sign up for BDO Pay. 

 

If you already have Digital Banking, follow these steps to sign up:

1. Download BDO Pay by clicking the button below.

2. Open BDO Pay and sign up with your BDO 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!

 

If you are an existing BDO customer without Digital Banking, follow these steps to sign up:

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!

 

If you do not have a BDO Account yet, follow these steps to sign up:

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!

 
Why can’t I sign up for BDO Pay even if I have a BDO account?

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!

Can I sign up for BDO Pay if I don’t have a BDO account?

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!

Which mobile number should I use for my BDO Pay account?

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.   

 
What if I want to use BDO Pay on more than one device and they all have different mobile numbers?

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.   

 
What happens if I use a different number from what is connected to my BDO Digital Banking account?

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.

Why can’t I sign up for BDO Pay with my international mobile number?

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!

Why do I need to activate my Digital Banking account at a BDO ATM?

The ATM activation is a security step to ensure that only you, the BDO account holder, can sign up for Digital Banking for your account. Please bear with us as we work on making this step more convenient for you. In the meantime, you may activate your account at any of our 4,000 BDO ATMs nationwide. Find one here:  bdo.com.ph/branches-atms-locator

How long does it take to complete my BDO Pay sign-up?

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

How do I get my One-Time PIN (OTP) needed to complete my BDO Pay sign-up?

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. 

My sign-up was unsuccessful. What should I do?

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.    

 
Why won’t BDO Pay accept my Digital Banking Username and Password?

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.

My BDO Digital Banking Username and Password worked, but I’m being asked to update my profile. What should I do?

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.

What if I have a BDO Digital Banking account but can’t seem to link it to 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.

 

Account Security

How can I keep my BDO Pay account safe and secure?

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

Always update your contact details, particularly your mobile number and email address.

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 (02) 8631-8000 if you notice any unrecognized transactions.  

If you use your BDO Pay account to receive payments, don't trust screenshots of transaction receipts alone. Check if it's recorded in your transaction history, too. 

How can I change my PIN?

To change your PIN:

1. Log in to your BDO Pay account.  

2. Tap More, then tap Change PIN.   

3. Log in to your BDO Digital Banking account and enter your OTP.  

4. Create a new PIN.   

What do I do if I forgot my PIN?

To reset your PIN:   

1. Tap Forgot PIN? upon login.  

2. Log in using your BDO Digital Banking details and enter your OTP.  

3. Create a new PIN.  

What should I do if I get locked out of my account?

Here are the steps to regain access to your account if you’ve been locked out: 

1. Tap Forgot PIN? Upon login.

2. Login using your BDO Digital Banking details and enter your OTP.

3. Follow the steps in the app to set up your account again. 

What do I do if I lose access to my BDO Digital Banking account?

If you’ve lost either your Digital Banking Username or Password, call the BDO Contact Center at any of these numbers:  

  

Metro Manila:  

(02) 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

 

Will changing my 6-digit PIN on BDO Pay also change my password on BDO Digital Banking?

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

If there is more than one (1) set of biometrics saved on my device (ex. other family members), will other people be able to log in to my BDO Pay account?

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 account. 

How do I report scam incidents to BDO?

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.

What should I do if someone has taken over my account?

If you suspect that someone has taken over your account, please call the BDO Contact Center at (02) 8631-8000.

How can I report an unrecognized or unauthorized transaction that showed up in my transaction list?

Please report the unrecognized or unauthorized transaction by calling the BDO Contact Center at (02) 8631-8000.

 

Account Maintenance

Can I update the mobile number registered to my BDO Pay account?

To do so, please change the mobile number registered to your BDO Digital Banking account. The number tied to your BDO Pay account will update automatically.

How do I update my email address linked to BDO Pay?

Since the email address linked to BDO Pay is the same one linked to your BDO Digital Banking account, you can change or update it by updating your contact details on Digital Banking.

Why am I not getting push notifications?

Push notifications for BDO Pay 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.

 

Linked Accounts

How do I link or unlink my BDO accounts to BDO Pay?

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.

 
Why can’t I link all my BDO accounts to BDO Pay?

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  

 

How do I add my BDO accounts to BDO Digital Banking, so that I can link them to BDO Pay?

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.

How many accounts can I link to BDO Pay?

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!

 

How do I set nicknames for my accounts linked to BDO Pay?

Your linked BDO Pay accounts follow the nicknames you set on BDO Digital Banking. 

 

If you want to change your account nickname, follow these steps: 

1. Log in to your Digital Banking app

2. Tap More > Enrollment Services > Manage Enrollment 

3. Choose the account you want to change the nickname for

4. Tap Edit

5. Enter the new nickname > Submit 

 

The new account nickname will then reflect in BDO Pay. 

Can I change my default account on BDO Pay?

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

  

1. Log in to BDO Pay and tap More > Set Default Payment Account.  

2. Choose the account you want to set as Default Payment Account, and tap Update.  

3. Wait for the success screen to confirm your new saved setting.  

  

 
Can I set more than one (1) default account on BDO Pay?

No, you can only set one (1) default account.

Can I link my Cash Card to BDO Pay?

Yes, you may link your Cash Card to BDO Pay but only if you also have another linked Savings or Checking Account. Your Cash Card cannot be used to Receive Money, or as a Send Money destination account on BDO Pay.

Can I link my Direct Deposit and BDO Securites Accounts to BDO Pay?

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

Can I link my BDO Checking and Payroll Accounts to BDO Pay?

Yes, you can link and use your Checking and Payroll Accounts to do transactions on BDO Pay.  

Please note the following if your Payroll Account uses a BDO Cash Card: 

1. You can link a BDO Cash Card if you have other BDO Accounts added to your Digital Banking account. 

2. If your Payroll account uses a BDO Cash Card, you can use it to Pay Bills and Scan to Pay!  

 
Can I link other bank accounts or other cards to my BDO Pay?

You can only link your BDO accounts to BDO Pay.

What will happen if I set my Credit Card as my default account on BDO Pay?

If you set your Credit Card as your default account, you will be able to use it to Scan to Pay, but not to Send or Receive Money. Money received will go to your linked Savings Account. If you have no linked Savings Account, it will go to your linked Checking Account. If you have multiple linked Savings and Checking Accounts, the money will go to the account whose nickname comes first alphabetically.

What will happen if I set my Credit Card as my default account, but I don't have any other linked Savings or Checking Accounts?

You will not be able to set your Credit Card as your default account if you have not linked any other Savings or Checking Accounts.

I have other BDO accounts. How come I can't see them on BDO Pay?

On the home screen of the app, tap More then tap Link/Unlink.

If the account is not listed there, it means it’s not yet linked to your BDO Digital Banking account. You can fix this by logging in to BDO Digital Banking and adding the BDO account there. Once you add it, you will be able to link it to your BDO Pay app, too!

How do I remove an account from BDO Pay but keep it on Digital Banking?

To remove an account from BDO Pay, all you have to do is unlink it. It will still remain accessible via Digital Banking

How do I remove inactive accounts on BDO Pay?

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

 

Devices

Will the BDO Pay app work with my phone?

BDO Pay works with Android devices running on at least Android 5.0, and Apple devices running on at least iOS 12.

How do I check the operating system version on my phone?

For Android phones:    

1.Open your phone’s Settings.   

2.Tap About Phone or About Device.  

3.Tap Android Version to see your phone’s OS version.   

   

For iPhone:   

1.Open your phone’s Settings.   

2.Tap General.   

3.Tap About.   

4.Scroll down and find Version to see your phone’s OS version.   

Can I use BDO Pay on any mobile device?

BDO Pay is optimized for mobile phones, but it can also be downloaded on tablets as long as they run on at least Android 5.0 or iOS 12. Make sure that you use the same Google Account or Apple ID across devices. The app is not available for download on laptops and desktops. 

 
How do I add a trusted device to BDO Pay?

You can add a trusted device on BDO Pay by logging in to the app with that device. This is what you can expect after:  

1. You’ll receive a text message from BDO-ALERT asking you to reply ADD DEVICE to confirm that you are adding this new trusted mobile device. 

2. Reply ADD DEVICE to that message and you’ll receive a One-Time PIN (OTP). 

3. Enter your OTP in the BDO Pay app. 

 
Should the device be registered to Digital Banking in order for me to use it for BDO Pay

No, you can add a mobile device specifically on BDO Pay only.

Can I delete a trusted device?

To delete a device from your list of trusted devices:  

1. Log in to your BDO Pay app. 

2. Tap More, then Manage Devices.  

3. Tap the trash can icon next to the name of the device you want to delete.

 

How many trusted devices I can add on BDO Pay?

You can add up to five (5) trusted devices on your BDO Pay account, but you can only log in to one device at a time. If you are logged in to one device and want to use BDO Pay on another, you will have to end your current session by logging out.  

 

Push notifications will be sent to the device you were most recently logged in to.   

 
If I change my device but keep using the same mobile number, will BDO Pay automatically add my new device and retain the details from my old device?

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

 

Why does my BDO Pay app crash or hang when I try to log in?

If you recently switched to a new phone and your BDO Pay app was automatically migrated by your OS, your details might not have transferred properly. To fix this, just delete the app and download it again from Google Play Store, App Store, or Huawei AppGallery.

 

Transactions

Where can I find my transaction history on BDO Pay?

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

Why can't I see my account's entire transaction history on BDO Pay?

The app's transaction list only shows transactions made on BDO Pay. If you want to see all the transactions made with your BDO Account, you can view its transaction history on BDO Digital Banking.

Will I be able to view my BDO Pay transactions on BDO Digital Banking?

Yes, all your BDO Pay transactions will reflect in your BDO Digital Banking account. However, transactions made on Digital Banking will not be viewable on BDO Pay.

Can I cancel any of my transactions?

BDO Pay will always ask you to review and confirm a transaction before processing it. Because of this, all BDO Pay 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.

What should I do if I don't want to receive notifications for every BDO Pay transaction?

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

What types of transactions can I do with my BDO Credit Cards?

Right now, you can use your BDO Credit Cards to do Scan to Pay transactions. Pay Bills via Credit Card is also coming soon. Please note that you cannot use your Credit Cards to Send and Receive Money

 

BDO Pay Features

Send Money

Whom can I Send Money to?

You can Send Money for FREE from your BDO deposit account to another BDO deposit account.

1. For Send Money via Account, you can send to any active BDO deposit accounts.

2. For Send Money via Contact, you can send to other BDO Pay customers whom you can see on your contact list. You can also Send Money to mobile numbers registered to Send Money to Contact on Digital Banking.

3. For Send Money via Email, you can Send Money to emails that are linked to Digital Banking accounts. 

 
How can I Send Money?

You can Send Money through account number, mobile number, or email address. Just follow the steps below: 

1. Log in to BDO Pay, and tap the Send Money icon. 

2. Enter the amount you’d like to send, and choose the contact you want to Send Money to. You can Send Money using the receiver’s account number, mobile number, or email address.

3. Double-check your transaction details and tap Confirm. You will receive an in-app notification, text message, and email to confirm your successful transaction.

 

You can also Send Money using another BDO Pay user’s QR. To do this, tap Pay, then tap Upload QR Image (to upload a saved QR) or tap Scan QR (to scan a QR code). 

 
How much can I send daily?

There is a total daily limit of PHP 50,000 and a minimum amount of PHP 1 for all BDO Pay transactions. This includes Send Money, Request Money, Split Bill, and Scan to Pay.

Do I need to enroll other accounts before I can Send Money to them?

No, there is no need to enroll accounts. You can Send Money to any BDO account using BDO Pay.

Can I Send Money to other banks or mobile wallets?

Currently, you can use BDO Pay to Send Money to other BDO accounts only. But Send Money to other banks and mobile wallets is coming soon! For now, you can Send Money to other banks and mobile wallets using the BDO Digital Banking app.

Can I Send Money to a BDO Credit Card?

No, you can only Send Money to a BDO Savings or Checking Account. If the default account of the person you’re sending money to is a BDO Credit Card or Cash Card, the money will be credited to the first BDO Savings or Checking Account listed in their Link/Unlink Accounts on BDO Pay. 

 

If the person does not have a BDO Savings or Checking Account linked to their BDO Pay account, the transaction will not push through and you’ll get the following notification in your app: “This mobile number is not yet linked to a BDO account.”

 
Can I Send Money from any BDO account?

Credit Cards and Cash Cards cannot be used as the source account for Send Money transactions.

How do I know which account I sent to?

You’ll see the last four digits of the account in your transaction receipt and confirmation email. If you chose Send Money via Contact, your contact's name will also appear.

Which email address can I Send Money to?

When you choose Send Money via Email, ask the person you’re sending money to for their email address that is linked to their Digital Banking account.

Can I Send Money to a QR code from the BDO Digital Banking app?

For now, you can only Scan to Pay or upload BDO Pay QR codes. We’re working on making this feature available soon!

I sent money to the wrong person. What do I do?

For security and data privacy reasons, BDO Pay cannot reverse Send Money transactions. Please coordinate directly with the person who received the money.

 

Request Money

How can I Request Money?

To Request Money, just follow these simple steps:

1. Log in to BDO Pay, tap Request then Request Money.

2. Enter the amount, and choose the contact you want to Request Money from.

3. Double-check your transaction details before confirming.

4. You will receive an in-app notification and text message once your requested money has been sent to you. 

 
How do I know which of my email addresses or mobile numbers will be able to Receive Money?

You will be able to Receive Money using the email address and mobile number linked to your BDO Digital Banking account.

Can I cancel a Request Money transaction?

No, you cannot cancel a Request Money transaction after it has been made. Please coordinate directly with the BDO Pay user you requested from instead.

How many people can I Request Money from?

You can Request Money from only one person per transaction, but can send multiple requests to the same person. You don’t have to wait for a response to your request before making another one. 

If you need to Request Money from more than one person at the same time, use Split Bill instead. 

 
Can I Request Money from any BDO Digital Banking Account?

No. Currently, you can only Request Money from BDO Pay accounts.

Can I Receive Money from any BDO Account?

You can Receive Money from any BDO Account, except BDO Credit Cards and Cash Cards.

Can I Receive Money through my BDO Credit Card or BDO Cash Card?

You can only Receive Money through a BDO Savings or Checking account. If your default account is a BDO Credit Card or Cash Card, the money will be credited to the first Savings or Checking Account listed in your Link/Unlink Accounts on BDO Pay. If you don’t have a Savings or Checking Account, the transaction will not push through.

 

Split Bill

How many people can I Split Bills with?

You can split a bill with at least one other person, and with up to five other people. You may or may not choose to include yourself in the split. If the split amount isn’t exact and has a remainder (e.g. PHP 41.6667), the first person listed in the Split Bill will pay at least PHP 0.03 more.

How much can I request from each person splitting a bill?

Each person can send up to PHP 50,000 for a Split Bill transaction.

Can I Request Money from any BDO Account?

You can Request Money from any BDO Account, except BDO Credit Cards and Cash Cards.

Can I split a bill with just one person?

Yes, it is possible to split a bill with just one other person.

Can I cancel a Split Bill request?

No, you cannot cancel a Split Bill request after it has been made. Please coordinate directly with the other BDO Pay users you split the bill with instead.

 

Pay Bills

Do I need to enroll billers before I pay my bills?

No, you only need to enter your billing details and pay. When you get to the payment success screen, you'll be able to save your biller to make future payments easier.

How can I pay my bills using BDO Pay?

You can pay your bills by following these easy steps: 

1. Log in to BDO Pay and tap Pay > Pay Bills. 

2. Search for your biller or choose from the categories. 

3. Enter your billing details and the amount you want to pay. 

4. Review and confirm your payment details. 

5. Save your favorite billers to make future payments easier. Just tap Save Biller on your transaction success screen. Your Saved Billers will be at the top of the list when you open Pay Bills again. 

 
Is there a Service Fee for using Pay Bills on BDO Pay?

None. The Pay Bills service is free!

How can I check if a payment is successful?

If your payment is successful, you will get an in-app transaction receipt and an email. You can also check your Transaction History.

When will the payment reflect in the biller’s account?

Your payment will reflect in the biller’s account within three (3) banking days.

Can I Pay Bills beyond the due date?

Yes, you can use BDO Pay to pay for bills beyond the due date if your billers allow it in their policies. They may also charge you a late payment fee. Please double-check with your biller.

Can I make partial payments for a bill’s amount due?

Yes, you can make partial payments for a bill, but your biller may charge you a fee for not paying the full amount. Please double-check with your biller.

Do I get an official receipt for the bill I paid for?

You get an email and in-app transaction receipt, but official receipts have to be requested directly from the biller.

Can I add several accounts under one biller?

Yes, you can add multiple accounts under one biller.

What should I do if I do not get a transaction receipt and email for my Pay Bills payment?

Please make sure you are checking the email address linked to your BDO Digital Banking and BDO Pay account. If you're sure you have the right email address, check your spam folder, or if you have applied any filters that might keep you from seeing the message. If you still cannot find your transaction receipt and email, please send an email to callcenter@bdo.com.ph.

What is the maximum number of billers I can save on BDO Pay?

You can save up to eight (8) billers at a time.

Can I use the same nickname for different billers?

No, you have to create a unique nickname for each Saved Biller.

I made a mistake with my Pay Bills transaction. What can I do?

If you entered the wrong amount or entered the wrong bill details, please send an email to callcenter@bdo.com.ph.

Can I pay billers who are not yet included in the BDO Pay list of billers?

Sorry, this feature is not yet available on BDO Pay.

 

Scan to Pay

Will the payment reflect in my transaction history list in real-time?

Yes, your payments will be reflected in real-time.

What should I do if I paid the wrong amount?

If you scanned a store’s displayed BDO Pay QR code to pay, please talk to the merchant and ask them to call the Merchant Services Hotline to reverse the transaction. 

  

If you scanned a cashier-generated QR code to pay, or paid via Show QR using a QR code you generated, it depends on the source account you used for the transaction.  

 

If you used a credit card for the Scan to Pay transaction, you can ask the cashier to void the transaction. If you used a Savings or Checking account, or a debit card, ask them to call the Merchant Services Hotline. 

What should I do if my Scan to Pay payment won’t go through?

What message are you getting from the app? Find out what it means, and what steps you can take to fix this.

 

BDO Pay Notification What should I do?
For your security, we've logged you out due to inactivity. Please log in again to continue. Log in to your BDO Pay account again and re-scan the QR. 
You need an active BDO account to do this.  Please call the BDO Contact Center at (02) 8631-8000.
It seems your BDO account is not active. Please get in touch with BDO Contact Center at (02) 8631-8000.
The QR code is not valid.
Please scan a valid BDO Pay QR code and try again.

Here are some reasons you might get this notification, and what you can do:  

• The QR code is not a BDO Pay QR.

   ○ Ask the Merchant for their BDO Pay QR.

The BDO Pay QR code isn’t being read properly.

  ○ Make sure your phone camera lens is clean, and try to avoid casting a shadow on the BDO Pay QR code when scanning. 

The Merchant might not be accredited by BDO Pay.

The chosen account has insufficient balance. Choose another account linked to your BDO Pay app to use for the transaction. 
There have been too many attempts. For your security we have locked your account. We can help you reset your PIN and unlock your account Tap Reset PIN on the notification and follow the steps.
Is your internet connection OK? Please check and try again! Double-check if your mobile data is on or if you’re properly connected to WiFi, then re-scan the BDO Pay QR code.
Sorry, we're fixing a connection issue right now. Please try again later. Please use a different payment method while we work on fixing the issue as quickly as possible.
Sorry, this transaction didn't work this time. Please try again!
 
The QR code has already been used. Please request for a new one. 
Please ask the merchant to generate a new QR code.  

 

Why does my Scan to Pay transaction with my BDO Credit Card keep getting rejected?

Please double-check that the brand of your credit card (Mastercard, Visa, AMEX, JCB, etc.) is accepted by the merchant you’re paying. If the brand of your card is not accepted, please choose another credit card or source account and try again.

Can I use Scan to Pay for all QR codes?

No, you can only use BDO Pay’s Scan to Pay for BDO Pay QRs at the moment.

Can I use Scan to Pay without internet access?

No, you need to be connected to the internet to use any of BDO Pay’s features.

Will my Scan to Pay transactions earn me points with my BDO Credit Card?

Yes, you can earn points. Scan to Pay transactions are treated like regular credit card transactions.

Will I get BDO Credit Card rewards, discounts, or deals from my Scan to Pay transaction?

Yes, you will qualify for rewards, discounts, or deals of specific BDO Credit Cards if you use the participating credit card as the source account of your Scan to Pay transaction. Scan to Pay transactions are treated like regular credit card transactions.

 

Scan or Upload QR

I am having trouble scanning a QR code. What should I do?

Check if your camera lens is dirty or if there is something blocking a portion of the QR code, then try again. 
If you’re still having trouble scanning a QR code and it is from another BDO Pay user, ask them  to generate a new QR code.

If you are shopping in-store and have trouble scanning a cashier-generated QR code, just ask the cashier to generate a new one. If you’re having trouble scanning the generic displayed QR code and no other QR payment options are available, please inform the merchant that there is a problem with their displayed QR code. Please use a different payment option in the meantime.  

What should I do if I paid the wrong amount?

If you entered and paid the wrong amount after scanning a store’s displayed BDO Pay QR code,  please talk to the merchant and ask them to call the Merchant Services Hotline.  

If you notice the amount you paid was wrong after scanning a cashier-generated QR,  it depends on the source account you used for the transaction.  

If you used a credit card, you can ask the cashier to void the transaction. If you used a Savings or Checking account, or a debit card, ask them to call the Merchant Services Hotline. 

 
Does the generated QR expire?

Generic Merchant QR codes displayed in stores do not expire. 
QR Codes generated with Request via QR also do not expire. 

Cashier-generated Merchant QR codes are unique per transaction and will expire after use.

Customer-generated QR codes used for in-store Show QR payments are valid for multiple uses but will expire after 5 minutes. 

What’s the difference between scanning a cashier-generated QR code and a displayed generic Merchant QR code?

The generic Merchant QR code is usually displayed on a card or board near the cashier or payment area of the store. Any customer can scan it to pay, but will need to enter the payment amount themselves and wait for the cashier to get confirmation of their payment via SMS.  

When a customer scans a cashier-generated Merchant QR code that is unique to their transaction, the payment amount and other details are automatically captured - no need for the customer to enter the amount themselves.  

 

Show QR

What’s the difference between Show QR and Scan QR?

To pay in-store via Scan QR, all you have to do is use your BDO Pay App to scan the merchant’s QR code - which is either displayed near the payment area for anyone to use, or generated by the cashier for your specific transaction.  

To pay in-store via Show QR, all you have to do is use your BDO Pay App to generate your own customer QR code, which you will show to the cashier. The cashier will then scan your customer QR code, and the amount will be debited from your source account

How do I pay with Show QR?

If the merchant accepts BDO Pay Show QR payments, just log in to your BDO Pay App and follow these easy steps: 

1. In the main menu, tap Pay > Show QR  

2. Align the QR that appears on your screen with the merchant’s QR Scanner   

3. Wait for the merchant to say it is okay to move your screen away from the scanner 

Can I use a Show QR code more than once?

The customer-generated Show QR code can be used multiple times, but it expires after five minutes.

What if I paid the wrong amount?

If you noticed that the amount you paid was wrong after paying via Show QR, and the source account you used was a credit card, ask the cashier to void the transaction and try again.

If you used a Checking or Savings account, or a debit card as the source account of your transaction, please ask the cashier to call the Merchant Services Hotline.

If I had my Show QR transaction voided, when will the funds be returned to my account?

The funds will be returned as soon as the cashier is done voiding the transaction.

What if the cashier’s scanner is unable to scan my Show QR code?

If your Show QR code cannot be scanned properly, please ask the cashier to generate a unique QR code that you can Scan to Pay instead.

 

Request via QR

How many times can a QR code be used?

QR codes generated for Request via QR can be used multiple times and will not expire.

Who can scan my Request via QR?

Other BDO Pay users can scan your Request via QR code.