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Banks
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BDO app

Advertiser Disclosure

The BDO Digital Banking app allows you to conduct transactions and access your BDO accounts when you are on the go. The app may be downloaded and set up on mobile devices such as smartphones and tablets through the Google Play Store or App Store. The application offers the ability to pay bills, transfer money, shop, and check account balances.

Features

Banco de Oro (BDO) employs strict security requirements for the new BDO Online app: the system has multi-factor authentication like device registration, One-Time PIN (OTP), 6-digit PIN, and biometrics for login and specific transactions. The system is also Verisign Certified and does not store sensitive account information like account numbers, card numbers, or passwords on your phone. You can also view the account summary for your checking or savings account, time deposit, credit cards, and loans. Additionally, you can send money to your account, any other BDO account, or another local bank and mobile wallets via InstaPay using your account number or QR code.

You can also pay bills and buy load for Smart, TNT, Sun, Globe, TM, and DITTO network providers. For this, log in to your mobile app, tap Pay, then Buy Load. Enter the mobile number you want to buy, load for, or search for in your phonebook by tapping the address book button. Tap Buy after selecting the network provider for the mobile number. Then input the Amount or choose from the various load amounts from the drop-down menu. Select the account from which the transaction will be deducted, then tap Buy. Finally, double-check your information before clicking Confirm.

Pros and cons of BDO Digital Banking app

You can send money without charge using your mobile device. You can also pay bills immediately, as well as send and request money quickly using a QR code. However, before you sign up for this BDO service, you should also be aware of the app's disadvantages.

Pros

  • You do not require a minimum balance to sign up and use BDO Mobile Banking.
  • You can access your BDO account from various devices.

Cons

  • When you make changes in the BDO Online like scheduled transactions, password updates, nicknames created for accounts, or enrolled billers, the changes will not be reflected on the mobile banking app.
  • When you make any transaction after 10:00 PM, it will be considered to have occurred the next banking day.
  • When you want to send money, you can only transfer up to ₱ 50,000 via InstaPay to bank accounts, mobile wallets, and other people's accounts via InstaPay.

BDO on Google Play

Download

BDO on Google Play

BDO on App Store

Download

BDO on App Store

How to register in the BDO Digital Banking app?

You must be at least 13 years old to use the BDO digital banking app. For SMART and Talk 'N Text mobile phone subscribers, you must also have a savings account and a checking account. Then you must enroll, download, and activate the app before you can use it.

To enroll, visit a BDO branch or log in to Online Banking via BDO website. Select Enrollment Services, tap on Own Account, and then Enroll. Click Submit after entering the necessary data. After enrollment, your accounts will appear in two fields: transfer from and transfer to. Transfer from has fields for Savings and Current Accounts as well as BDO Cash Card, whereas transfer to only has areas for Savings and Current Accounts.

After that, download the app from the App Store or Google Play Store. Log in with your existing Username and Password, and then enable alternative login methods such as biometrics and a 6-Digit PIN to easily access your account without having to enter your password each time:

Finally, before using the BDO Online App, you must activate it as follows:

  1. Click on the app, and select Mobile Banking from the Smart Menu.
  2. Select Activate Bank and press OK.
  3. Choose m-PIN and tap on OK.
  4. When prompted for the Bank Code, select OK.
  5. Click OK after inputting your m-PIN.
  6. Your activation will be confirmed by text message, and a sub-menu will appear for easy access.

Financial products

BDO
BDO Cash Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
Diners Club Premiere®
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
BDO
American Express® Platinum Credit Card
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
BDO
BDO Diamond UnionPay®
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
BDO
BDO JCB Platinum®
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
BDO
BDO Visa Platinum®
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
BDO
BDO Platinum Mastercard™
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Titanium Mastercard™
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Gold UnionPay®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO JCB Gold®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
American Express® Cashback Credit Card
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Visa Gold®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Gold Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Installment Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
JCB Lucky Cat®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
Diners Club International®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Blue from American Express®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
Bench Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Visa Classic®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO Standard Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
BDO ShopMore Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
BDO
Optimum Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱50,000 minimum initial deposit
Rate
i

Effective interest rate on the product

contact the bank for the latest interest rates
BDO
Smart Checking
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱50,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.0625% gross interest rate per year
BDO
Peso Checking
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0% gross interest rate per year
BDO
Passbook Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱5,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.0625% gross interest rate per year
BDO
US Dollar Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$200 minimum initial deposit
Rate
i

Effective interest rate on the product

contact the bank for the latest interest rates
BDO
ATM Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱2,000 minimum initial deposit
Rate
i

Effective interest rate on the product

0.0625% gross interest rate per year
BDO
Optimum Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱30,000 minimum initial deposit
Rate
i

Effective interest rate on the product

contact the bank for the latest interest rates
BDO
Junior Savers
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

₱100 minimum initial deposit
BDO
Auto Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱10,000-₱1,000,000
Rate
i

Effective interest rate on the product

up to 30.26%
Term
i

Loan term for the financial product

up to 60 months
BDO
BDO Home Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱500,000-₱1,000,000
Rate
i

Effective interest rate on the product

up to 7.25% per annum
Term
i

Loan term for the financial product

up to 20 years
BDO
Working Capital Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

up to 12 months
BDO
Term loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱1,000,000 - ₱20,000,000
Term
i

Loan term for the financial product

up to 60 months
BDO
SME loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱3,000,000 - ₱20,000,000
Rate
i

Effective interest rate on the product

up to 7.25% per annum
Term
i

Loan term for the financial product

up to 60 months
BDO
Project Finance Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱10,000 - ₱1,000,000
BDO
BDO Kabayan Program
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱10,000 - ₱1,000,000
Rate
i

Effective interest rate on the product

35.66% - 41.71% per year
Term
i

Loan term for the financial product

3 - 36 months
BDO
BDO Personal Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱1 000 000
Rate
i

Effective interest rate on the product

25.98% - 26.76% per year
Term
i

Loan term for the financial product

6 - 36 months

Similar products

Equicom Savings Bank
Business Card
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Equicom Savings Bank
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Recommended FinScore™
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Recommended FinScore™
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LandBank
LANDBANK General Purpose Reloadable Card®
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
₱100,000
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LANDBANK Travel Card®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$10,000
Rural Bank of Angeles
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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱25,000
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i

Effective interest rate on the product

0.25% per annum
1st Valley Bank
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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
MSCB
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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱1,000
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i

Effective interest rate on the product

up to 0.375% per annum
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Bank of Makati
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Rating by Finanso®
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from ₱10,000
Rural Bank of Angeles
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Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

from ₱1,000
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i

Loan term for the financial product

up to 360 days
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from ₱100
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i

Effective interest rate on the product

0.5% per annum
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from ₱500
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i

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i

Effective interest rate on the product

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i

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Recommended FinScore™
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300
650
1000
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i

Loan term for the financial product

up to 60 months
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i

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Recommended FinScore™
0
300
650
1000
Term
i

Loan term for the financial product

up to 60 months
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Recommended FinScore™
0
300
650
1000
Rural bank of Mangaldan
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i

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Recommended FinScore™
0
300
650
1000
Rural bank of Mangaldan
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i

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i

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i

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300
650
1000
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Rating by Finanso®
i

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Recommended FinScore™
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300
650
1000
from ₱1,000,000
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i

Loan term for the financial product

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Housing loan
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
OFBank
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Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
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i

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300
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1000
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i

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up to ₱300,000
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i

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300
650
1000
DIGIDO
Instant online loans
Rating by Finanso®
i

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4
Recommended FinScore™
0
300
650
1000
₱25000
Rate
i

Effective interest rate on the product

11,9% per month
Term
i

Loan term for the financial product

6 months
Kviku
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Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
₱25000
Rate
i

Effective interest rate on the product

up to 0.16% per day
Term
i

Loan term for the financial product

180 days
MoneyCat
Instant cash loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱20000
Rate
i

Effective interest rate on the product

11,9% per month
Term
i

Loan term for the financial product

6 months
Finbro
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱1,000 - ₱50,000
Rate
i

Effective interest rate on the product

up to 0.6% per day
Term
i

Loan term for the financial product

up to 12 months
OFBank
Multi-purpose loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
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