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BDO Digital Banking

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BDO to BDO: How to Transfer Money to Another BDO Account via Online Banking

Online banking has made things easier for a lot of us. Whether you’re sending money to a loved one, paying bills or paying for online purchases, it’s now just a few clicks away. No need to line up and spend time waiting in line in a bank. And these days, with the COVID-19 pandemic still happening, it also means being safe because there’s no need to go out and be surrounded with a lot of people.

Among the major banks here in the Philippines is BDO, with over 1,300 branches nationwide. With BDO’s online banking, you can have a quick access to your account to check your balances, pay bills, send money, view transactions and more. BDO also has mobile banking. You can download their mobile app on your device and make your bank transactions on the go. Just make sure you are connected to a secure internet connection.

In this post, we’ll show you how you can send money from your BDO account to another BDO account through their online banking portal.

WHAT'S COVERED IN THIS GUIDE?

1. Visit the BDO website.

Go to https://online.bdo.com.ph/ or visit www.bdo.com.ph and click the small Online Banking Login button in the upper right corner of your screen. Then, click BDO Online Banking . It will open a new tab and bring you to online.bdo.com.ph.

For security reasons, it is best for you to type in the URL yourself and not click on any website you may find online.

2. Log in to your BDO account.

Enter you username and password then click Login .

A one-time pin will be sent to your registered mobile number through SMS. Enter the code within 5 minutes or it will expire. Click Proceed .

If you don’t have an online account yet, you need to enroll your BDO account first.

3. Click on Send Money.

Once you’ve logged in, you will see an overview of your account. On the menu on the left side of the screen, click Send Money .

A list of options will appear. Select To any BDO Account .

4. Fill out the form.

First, you have to select the source account or the account you want to transfer money from. Then, enter the amount you want to transfer and the account number of the account you wish to transfer to.

Note that there is a limit to the amount you can transfer: P10,000 per transaction .

You may also add remarks for your transaction.

There is also a tab to save template. If you will make another transaction to the same destination account number, tick the box beside save as new template. This will make your next transactions easier. You will be asked to input a code and description.

Once you’re done filling out the details, click Submit .

5. Review the details.

A pop up with all the details of your transaction will appear. Double check the details to make sure they are correct.

Once you’re sure everything is correct, click Continue .

6. Enter the OTP.

Another one-time pin will be sent to you via SMS. Enter the OTP within five minutes and click Submit .

7. Take note of the Reference Number.

A page telling you if your transaction has been successful will appear. It also includes a summary of the details.

Take note of the reference number . You can simply screenshot this page to do so. This will come in handy in case you encounter a problem with your transaction.

You can also print out the transaction summary by clicking the Printable Version button and printing it.

Don’t forget to log out your BDO account especially if you’re using a shared computer or connection!

Featured image courtesy of BDO 2020 • 7 • 10

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BDO Online Banking: Everything You Need to Know

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BDO Online Banking: A Comprehensive Guide to Banco de Oro Online Banking

Table of Contents

BDO Online Banking, also known as Banco De Oro Online Banking, is a convenient and secure way for customers to manage their finances. As a frequent traveler, I enjoy many benefits of enrolling in BDO Online banking features. With BDO Online Banking, customers can access their accounts 24/7, check their balances, pay bills, transfer funds, and view their transaction history from anywhere in the world.

To use BDO Online Banking, customers must first enroll in the service through the BDO website. Once enrolled, they can log in to their accounts using their username and password. For added security, BDO Online Banking also requires customers to enter a One-Time Password (OTP) each time they log in or perform a transaction.

In addition to personal banking services, BDO also offers Business Online Banking for corporate clients. With Business Online Banking, companies can manage their cash flow, pay bills, and initiate fund transfers securely and efficiently. BDO’s online security measures ensure that all transactions are authorized securely through multilevel approvals.

Getting Started with BDO Online Banking

BDO Online Banking is a convenient and secure way to manage your finances. To get started, you need to enroll in the service.

To enroll, visit the BDO website and click on the “Enroll Now” button. You will be asked to provide your personal information, including your name, address, email address, and mobile number. You will also need to create a User ID and Password that you will use to log in to your account.

Once you have completed the enrollment process, you will receive an email with an OTP (One-Time Password) that you will need to enter to activate your account. You can also activate your account by visiting any BDO ATM and following the on-screen instructions.

After activating your account, you can log in to BDO Online Banking using your User ID and Password. You will be prompted to enter an OTP for added security.

Once you have logged in, you can view your account balances, pay bills, transfer funds, and more. BDO Online Banking also allows you to view your transaction history and download electronic statements.

Getting started with BDO Online Banking is a simple process that can be completed in just a few steps. By enrolling in the service, you can enjoy the convenience and security of managing your finances online.

BDO Online Banking Features

BDO Online Banking offers a wide range of features that allow users to manage their accounts and transactions easily and securely. The following sub-sections highlight some of the key features of BDO Online Banking.

Transactions Management

With BDO Online Banking, users can manage their transactions with ease. Users can monitor their account balance, view their transaction history, and get electronic financial statements. Users can also transfer funds to another local bank account using the Fund Transfer feature. All transactions made through BDO Online Banking are fast, safe, and convenient.

Account Services

BDO Online Banking offers various account services that allow users to manage their accounts easily. Users can view their account balance, transaction history, and account statements. Users can also lock/unlock their ATM card, debit card, or BDO credit card.

Card Services

BDO Online Banking offers various card services that allow users to manage their cards easily. Users can view their credit card or debit card transactions and statements. Users can also lock/unlock their ATM card, debit card, or BDO credit card.

Loan and Trust Account Services

BDO Online Banking offers various loan and trust account services that allow users to manage their accounts easily. Users can view their loan accounts, make loan payments, and view their trust account statements.

BDO Online Banking Mobile App

BDO Online Banking offers a mobile app that allows users to access their accounts on-the-go. The BDO Digital Banking app can be downloaded from the Google Play Store or App Store.

One of the most convenient features of the mobile app is the Quick Balance function. With Quick Balance, users can view their account balances without logging in to their accounts. This feature can be accessed by swiping down on the login screen.

The BDO Digital Banking app also allows users to monitor their deposit accounts, credit cards, and loans. Users can pay their utility bills, transfer funds, reload their prepaid mobile phones, and locate the nearest BDO branch or ATM. The app also offers a lot more features that make banking easier and more convenient.

BDO Online Banking mobile app provides a reliable and convenient way for users to access their accounts anytime and anywhere. With its user-friendly interface and Quick Balance feature, users can check their account balances with just a swipe of their finger.

Enrolling Different Types of Accounts

BDO Online Banking offers a convenient way to manage different types of accounts. To enroll in BDO Online Banking, customers can follow these simple steps:

Deposit Account Enrollment

• Go to the BDO website at https://www.bdo.com.ph/personal/online .
• Click “Enroll Now!” under the Online Banking Login section.
• Fill out the Online Enrollment Form and select the type of deposit account you want to enroll in, such as Savings Account (Peso/US Dollar), Current Account (Peso), or Time Deposits (Peso/US Dollar).
• Review the Terms and Conditions, then click Submit.

Once enrolled, customers can easily access their deposit accounts online and perform various transactions, such as checking their account balance, transferring funds, and paying bills.

Cash Card Enrollment

Enrolling in a BDO Cash Card is also easy with BDO Online Banking. Here’s how:

• Fill out the Online Enrollment Form and select “Cash Card” under the Account Type dropdown menu.

Once enrolled, customers can easily manage their BDO Cash Card online, such as checking their balance, reloading their card, and viewing their transaction history.

Money Transfer Options

BDO Online Banking provides various options for transferring money to different accounts. Here are the three main options:

Transferring to Pre-Enrolled BDO Account

Transferring money to a pre-enrolled BDO account is a hassle-free process. All you need to do is log in to your BDO Online Banking account, select the account you want to transfer from, and input the amount you want to transfer. After that, select the pre-enrolled BDO account you want to transfer to and confirm the transaction.

Cash Pick-Up Anywhere

BDO Online Banking offers cash pick-up options at various locations, including RD Pawnshop, Villarica Pawnshop, Palawan Pawnshop, and Cebuana Lhuillier. To avail of this service, log in to your BDO Online Banking account, select the account you want to transfer from, and input the amount you want to transfer. After that, select the cash pick-up option and choose the location where you want to pick up the cash. You will receive a reference number that you can use to claim the cash.

Transferring to Another Local Bank

BDO Online Banking also allows you to transfer money to other local banks via Instapay. The daily transaction limit for this service is ?50,000, and the minimum transaction amount is ?100. For transfers from BDO Online and BDO Pay app, the fee is ?10. For transfers from the Digital Banking app and Online Banking Website, the fee is ?25. To avail of this service, log in to your BDO Online Banking account, select the account you want to transfer from, and input the amount you want to transfer. After that, select the option to transfer to another local bank and input the required details.

BDO Online Banking offers a range of money transfer options, including transferring to pre-enrolled BDO accounts, cash pick-up anywhere, and transferring to other local banks via Instapay. With BDO Online Banking, you can transfer money with ease and convenience.

Bill Payment through BDO Online

BDO Online Banking offers a convenient way to pay bills without leaving the comfort of your home. With just a few clicks, you can settle your bills and avoid the hassle of long queues and traffic.

To pay bills through BDO Online Banking, simply log in to your account and select the “Pay Bills” option. From there, you can choose from over 180 accredited companies and billers, including Globe Telecom.

To pay your Globe Telecom bill, select “Globe Telecom” from the list of billers. Enter your Globe account number and the amount you wish to pay. Double-check the details before submitting the payment.

BDO Online Banking ensures fast and secure transactions. You can also schedule your bill payments in advance or set up automatic payments to avoid missing due dates.

In addition, BDO Online Banking does not charge any fees for bill payments, making it a cost-effective option for settling your bills.

BDO Online Banking provides a reliable and efficient way to pay bills, including Globe Telecom bills. With its user-friendly interface and secure transactions, it is a convenient option for those who value their time and convenience.

Contact and Support

BDO Unibank, Inc. provides various channels for its clients to contact and seek support from the bank. Clients can reach out to BDO through phone, email, or visiting a BDO branch.

For general inquiries and concerns, clients can call BDO’s Contact Center at (+632) 8631-8000. Domestic toll-free numbers are also available for clients to use: 1800-10-631-8000 (PLDT), 1800-3-631-8000 (Digitel), and 1800-5-631-8000 (Bayantel). The hotline is available 24/7, so clients can reach out to the bank anytime.

For specific concerns regarding their accounts, clients can visit a BDO branch. The bank has a wide network of branches and ATMs across the Philippines. Clients can use BDO’s Branch Locator on their website to find the nearest branch.

Clients can also send an email to [email protected] for banking-related concerns. In the email subject, clients should indicate “Bank” for checking account, savings account, and other banking-related concerns, or “Credit Cards” for credit card-related concerns.

For clients who prefer to chat with BDO through social media, they can use Facebook Messenger to get instant answers to their top concerns regarding Digital Banking, Credit Card Status, Remittance Request, and other BDO Products. Clients can look for the BDO Unibank account with a blue check mark on Facebook Messenger.

If clients have concerns or complaints that were not resolved by BDO, they can reach out to the Bangko Sentral ng Pilipinas (BSP) through their Consumer Affairs Department at (02) 8708-7087 or email them at [email protected]

Updating Personal Information

BDO Online Banking allows its users to update their personal information, including their email address and mobile number. This ensures that users receive important notifications and alerts related to their account.

To update personal information, users must log in to their BDO Online Banking account and go to “Profile Settings” > “Customer Information” > “Update Customer Information”. From there, users can choose to update their mobile number or email address by ticking the appropriate button.

Users should then type in their new contact information and click “Submit”. It is important to note that users will need to verify their new contact information before it becomes effective.

If users encounter any issues or have questions about updating their personal information, they can contact BDO’s customer service for assistance.

Updating personal information on BDO Online Banking is a simple and straightforward process that can be completed in just a few steps. By keeping their contact information up-to-date, users can ensure that they receive important notifications and alerts related to their account.

Frequently Asked Questions

How do i register for bdo online banking.

To register for BDO Online Banking, customers must follow these steps:

• Go to the BDO website and click on the “Enroll Now” button.
• Choose the type of account you want to enroll in.
• Fill out the necessary information and click “Submit.”
• Wait for the confirmation email from BDO.
• Follow the instructions in the email to activate your account.

What are the requirements for opening a BDO Online Savings Account?

To open a BDO Online Savings Account, customers must provide the following requirements:

• A valid ID (e.g. passport, driver’s license, etc.)
• Proof of billing address (e.g. utility bill, bank statement, etc.)
• Initial deposit amount

How can I check my BDO account balance online?

To check your BDO account balance online, follow these steps:

• Log in to your BDO Online Banking account.
• Click on the “Accounts” tab.
• Choose the account you want to view.
• Your account balance will be displayed on the screen.

What are the benefits of using BDO Mobile Banking?

Some of the benefits of using BDO Mobile Banking include:

• Convenient access to your accounts anytime, anywhere.
• Ability to transfer funds, pay bills, and view account balances on-the-go.
• Enhanced security features to protect your account information.

How do I enroll for BDO Business Online Banking?

To enroll for BDO Business Online Banking, customers must follow these steps:

• Choose the type of business account you want to enroll in.

What is the BDO Online Deposit process?

The BDO Online Deposit process allows customers to deposit funds to their BDO account using their online banking account. To do this, follow these steps:

• Click on the “Financial Services” tab.
• Choose “Online Deposit” from the dropdown menu.
• Follow the instructions in the email to complete the deposit process.

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• Conveniently Pay your Bills using the New BDO Pay Mobile Wallet App
• How to Transfer Money from BDO Online Banking to GCash

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BDO Online Banking: Easy Step-by-Step Guide

In an era of digital transformation, traditional banking methods are rapidly giving way to the convenience and efficiency of online banking. One prominent player in the world of digital banking is BDO Online Banking, a service offered by Banco de Oro Unibank, one of the largest and most trusted banks in the Philippines . In this comprehensive guide, we’ll delve into what BDO Online Banking is, its key features, and the numerous benefits it offers, and provide you with a step-by-step guide on how to get started. So, let’s dive into the world of digital banking with BDO .

Table of contents

What is bdo online banking, why should you use bdo online banking, 1. account balance inquiry:, 2. fund transfers:, 3. bill payments:, 4. mobile banking app:, 1. 24/7 access to accounts:, 2. secure transactions:, 3. time-saving convenience:, bdo online enrollment process:, navigating the bdo online banking website/app:, tips for ensuring security and protecting your account in bdo online banking, conclusion: enjoy the convenience and efficiency of managing your finances with bdo online banking, introduction: what is bdo online banking and why should you use it.

BDO Online Banking is a digital banking service that allows BDO clients to access and manage their accounts conveniently from the comfort of their homes or on the go through their mobile devices. It’s designed to streamline your banking experience, offering a wide range of services that make financial management easier and more efficient.

There are several compelling reasons to embrace BDO Online Banking:

1. Digital Banking Benefits:

BDO Online Banking leverages the power of technology to provide you with a host of benefits, including instant access to your account information, easy fund transfers, and the ability to pay bills electronically. It’s banking at your fingertips.

2. Convenience of Online Banking:

No more waiting in long queues or adhering to traditional banking hours. BDO Online Banking lets you manage your finances at any time, 24/7, giving you the flexibility to bank when it suits you.

Key Features of BDO Online Banking

BDO Online Banking offers a wide array of features and services tailored to meet your financial needs. Some of its key features include:

Easily check your account balances in real-time. No more guesswork about your financial status; it’s right there on your screen.

Seamlessly transfer money between your BDO accounts or to other banks, making payments and transactions swift and convenient.

Settle your bills hassle-free with BDO Online Banking. You can pay utilities, credit card bills, and more, all from one platform.

BDO’s mobile banking app brings the power of online banking to your smartphone or tablet. Manage your finances on the go, no matter where you are.

The Benefits of Using BDO Online Banking

BDO Online Banking doesn’t sleep. You can access your accounts, perform transactions, and monitor your finances around the clock, ensuring you’re always in control of your money.

Security is a top priority for BDO . They employ robust security measures to protect your personal and financial information, ensuring every transaction is safe and secure.

Say goodbye to the time-consuming trips to the bank. BDO Online Banking lets you complete transactions in minutes, saving you valuable time for other important tasks.

How to Enroll in BDO Online Banking

Getting started with BDO Online Banking is a straightforward process. Here’s what you need to do:

• Visit the BDO website: Go to the BDO official website to begin the enrollment process.
• Choose “Enroll Now”: Select the “Enroll Now” option to create your online banking account.
• Provide Your Information: You’ll be asked to provide your personal and account information. Make sure to have your BDO account number and other identification details handy.
• Create Your Username and Password: Set up a unique username and a strong password to secure your account.
• Set Up Two-Factor Authentication (2FA): For added security, BDO may require you to set up 2FA, which typically involves receiving a one-time code on your registered mobile number.
• Review and Confirm: Double-check all the information you’ve provided, and confirm your enrollment.
• Activation: Once your enrollment is approved, you’ll receive instructions on how to activate your BDO Online Banking account.

A Step-by-Step Guide on How to Use BDO Online Banking Services

Navigating BDO Online Banking is user-friendly and intuitive. Here’s a step-by-step guide to help you get started:

• Log In: Visit the BDO Online Banking website or open the mobile app, then log in using your username and password.
• Dashboard: You’ll land on your account dashboard, where you can see an overview of your accounts and recent transactions.
• Account Balance Inquiry: Click on the relevant account to check your balance.
• Fund Transfers: Navigate to the fund transfer section to transfer money between accounts or to other banks. Follow the on-screen instructions.
• Bill Payments: To pay bills, select the bill payment option, and follow the prompts to input the payee details and make your payment.

While BDO ensures a secure environment for online banking, it’s important to take your own precautions:

• Set Strong Passwords: Use a combination of letters, numbers, and special characters for your password.
• Enable Two-Factor Authentication (2FA): Always activate 2FA when prompted. It adds an extra layer of security to your account.
• Beware of Phishing: Be cautious of unsolicited emails or messages asking for your login details. BDO will never ask for this information via email.
• Log Out: Always log out of your BDO Online Banking session when you’re done to prevent unauthorized access.
• Regularly Check Your Account: Monitor your account for any suspicious transactions and report them immediately to BDO .

In the fast-paced world we live in, BDO Online Banking offers a lifeline to those seeking convenient, secure, and efficient financial management. By enrolling in BDO Online Banking and following the provided tips for security, you can gain full control of your finances, make transactions at your convenience, and enjoy the peace of mind that comes with banking with one of the Philippines’ most trusted institutions. Embrace the digital age of banking, and take advantage of the endless possibilities offered by BDO Online Banking to simplify your financial life. Start today and experience the future of banking!

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BDO Online Banking Guide: How to Transfer Money

Online banking, as we’ve seen over the years, has become an essential aspect of every Filipino’s life. Going online has provided lots of benefits for their banking needs. And one of the biggest commercial banks in the country,  Banco de Oro , looks to capitalize on this trend as this becomes part of the Filipinos’ new normal.

Also Read:  Reminder for OFWs with BDO Kabayan Savings to Avoid P300 Monthly Deduction

For many overseas Filipino workers and even in these times where everything is going digital, it is very important that we upgrade our knowledge and skills when using online services. A lot of banks are offering online options to access financial services and it’s time that we also adapt to these changes to minimize the hassle of going out to the banks. If we can do these services at the convenience of a web browser or via mobile app, it saves us a lot of time and energy.

In this post, we will share the various features you can get from BDO’s online banking facility, which will prove to be useful whether you have a BDO account or not. 

Table of Contents

BDO Online Banking: Everything You Need to Know about Banco De Oro Internet Banking 

For those who already have an account with BDO , knowing all the features they can take advantage of will help them maximize their use of the online banking platform whereas those who are still thinking about opening an account with them can determine if BDO’s internet banking channel is the best fit compared to those of other banks.

That said, here’s everything you need to know about BDO’s Online Banking features.

What is BDO Online Banking?

BDO’s online banking facility enables account holders to have access to and perform various types of financial transactions anytime and anywhere through the use of their laptops or smartphones. 

That said, most of these transactions can be completed without the need to visit a BDO branch.

With BDO Online Banking, you can easily perform these transactions anywhere, anytime as long as you have access to the internet:

• Check account balances and transactions
• Transfer funds
• Order checkbooks
• Request a Stop Payment Order on issued checks
• Reload prepaid mobile phones and BDO cash cards

BDO Online Banking Services

Now that you know what you can do with BDO’s Online Banking facility, let us take a look at the following services you can avail of through BDO’s Online Banking Facility:

1. BDO Online Enrollment

Those who have any of the following BDO accounts (individual or joint OR accounts), may register for BDO Online Banking:

• Time deposit
• Prepaid card
• Auto Loan, Home Loan, Personal Loan, or SME Loan
• Trust account

In line with this, here are the things you can enroll in BDO online:

• ATM Card  – One of the most important things you need to have these days is an ATM card. This makes paying bills or sending money through an ATM anywhere in the country or abroad possible. And to be able to use this service, you need to enroll your ATM card in BDO Online Banking. This will let you link your billers and third-party accounts (where you’re sending money to) to your ATM.
• Own Account  – Those who just opened a new BDO account can enroll it in BDO’s e-banking platform. By doing so, you can use your account for performing a wide variety of online transactions.
• Other Person’s Account  – Another great thing you can do with BDO’s online banking facility is to enroll another person’s BDO account so that succeeding fund transfers to that account will be faster and more convenient. Before you perform this transaction, make sure your ATM card has already been activated.
• Company/Biller  – For those who have bills to pay, you can now use the BDO online facility to do so. Some billers, such as Meralco, have to be enrolled in BDO Internet Banking before you can start paying bills online. You can even set up an auto-debit payment scheme to make sure that your bills are paid directly from your BDO online account on time, and avoid getting complications such as overdue bills, etc.
• Prepaid Mobile Number  – Another great thing about BDO’s online facility is that you don’t need to go out to buy load for yourself or your loved ones because you can do this now straight from your phone while at home. You just need to enroll your mobile number to the BDO online facility. 

2. BDO Online Balance Inquiry

One of the most common activities people perform in the bank or through an ATM is to check their balance and transaction history. But with the BDO Online Facility, you can do this right from your own home with the use of your mobile phone or a laptop. The process is straightforward and very convenient to do. Just log on to your account, and on the BDO Online Banking homepage, you can see all your enrolled accounts along with your current balance and available balance.

But there is still a faster way to do this, which is through the  Quick Balance feature , using the  BDO Mobile app . 

Moreover, viewing your transaction details for the past three months can be done through the  My Transactions feature . Through this method, you can even filter your search by currency (Peso/Dollar), account, time period, and type of transaction (debit/credit).

And if you have a BDO checking account, you can also access your statement of account on the online banking platform.

3. BDO Online Send Money

Another common transaction people perform with their bank account is sending money to other people. That said, BDO Online Banking users can transfer money to another BDO account, another local bank, or an email address/mobile number using the BDO Online Facility. Cash pickup and door-to-door delivery are also available through this facility.

It’s worth noting that fund transfers via BDO Online Banking can be scheduled immediately, on a later date, or a regular date (daily/weekly/monthly) for your convenience and necessity. Furthermore, you can view the status of your send money transaction on the website.

4. BDO Online Pay Bills

With BDO’s online bills payment service, customers can pay bills to more than 180 companies and billers across the country, including Meralco, GrabExpress, and Lazada. Using this service, you can settle your bills immediately or set it to a later date or a recurring schedule for the most convenience.

One benefit of using this service is that no fee is charged for bills payment transactions via BDO Online Banking.

Also, if you have to pay multiple billers, you can easily do so in just one transaction using the Bill Rack feature. You can add billers to your Bill Rack and pay all at once instead of paying each, one at a time. Then after you’ve settled your payment, you can view its status on the online banking site of BDO.

Moreover, BDO credit cardholders may also use the online banking platform to enroll in the Auto Charge Payment Facility, which automatically charges bills to their credit card so they won’t have to worry about missing a payment in their credit card bills. 

5. BDO Online Reload

Prepaid mobile reload.

With the BDO Online Facility, you can now buy cellphone load from PHP 40 to PHP 2,000 as well as schedule reloading for any Globe, TM, Smart, TNT, or Sun prepaid mobile number. 

To perform this transaction, you need to enroll in the mobile number for online reloading, but you won’t be required to activate the enrollment via an ATM.

You can also check your prepaid reload status via BDO Online Banking.

BDO Cash Card Reload

In the same way, you can also reload your BDO prepaid cards, schedule it, and check your reload status using the BDO Online Banking Facility. 

How to Transfer Money using BDO Online

Here are the different ways to transfer money online from your BDO account:

1. Send Money to Another BDO Account

Transferring funds to a pre-enrolled account requires enrolling your own or somebody else’s bdo account in the online banking facility..

• Send Money to Pre-enrolled BDO Account Transfer limit: PHP 1 million per transfer
• Transaction fee:  Free
• Fund availability:  Instant

2. Send Money to Any BDO Account

Alternatively, you may also send cash to a BDO account that isn’t enrolled in your online banking account. This type of fund transfer is typically used when sending money to your loved ones or paying online sellers for your purchases.

• Transfer limit: PHP 50,000 per day

3. Send Money from USD to Peso (Own BDO Account)

This feature allows you to transfer funds from your own BDO US Dollar account to Peso account.

• Transaction limit:   USD 20,000 or equivalent (foreign currency transfer) per transfer
• Transaction fee:  USD 1

4. Send Money to Contact (via Email or Mobile)

This feature allows sending money to another person’s BDO account without the need to input the account number. You can do so by just providing the recipient’s email address or mobile number to complete the transaction.

• Transaction limit:  PHP 50,000 per day

5. USD Wire Transfer (to Local/Overseas Bank)

Another thing you can do is to request a fund transfer from your BDO US Dollar savings account to another local or foreign bank account.

• Transaction limit:  Up to your available balance
• Transaction fee:  USD 10 per transaction
• Fund availability:  Within three to five banking days

6. Send Money to Another Local Bank

You can also use the BDO Online Banking Facility to send cash to another bank or e-wallet account in the Philippines (such as BPI, GCash, GrabPay, and more) via  InstaPay  or  PESONet .

• Send Money to Another Local BankTransaction limit:  PHP 50,000 per day
• Transaction fee:  PHP 25 (per InstaPay transfer) / PHP 100 (per PESONet transfer)
• Fund availability:  Instant (InstaPay) / Within one to two banking days (PESONet)

7. Send Money for Cash Pickup at Any BDO Branch/Partner

Sending money to recipients without a bank account is possible using the BDO Online Banking Facility. They can simply pick up the money within an hour from any BDO branch and partner outlets in the Philippines such as:

• BDO branches nationwide
• BDO Remit Counters in SM Malls
• Cebuana Lhuillier
• ML Kwarta Padala
• Palawan Pawnshop
• RD Pawnshop
• Villarica Pawnshop

Transaction limit:  Cebuana Lhuillier: PHP 30,000 / BDO branches and other partners: PHP 50,000

Transaction fee:  Cebuana and ML Kwarta Padala: PHP 150 /BDO branches and other partners: PHP 100

Fund availability:  Within one to two banking days

8. Door-to-Door Cash Delivery

For those who can’t step outside their home or neither has a bank account nor access to any BDO branch or cash pickup outlet can greatly benefit from this feature offered by BDO. This allows for money transfer directly to the recipient’s address in the Philippines, and the cash will be delivered to their home.

• Transaction fee:  PHP 200
• Fund availability:  Within one to two banking days (Metro Manila) / Within three to six banking days (provinces)

BDO Online Banking Security Features

One of the top reasons why some Filipinos are afraid to enroll in online banking, with any bank for that matter, is the facility’s susceptibility to hacking, as well as customers’ exposure to online banking fraud, which has increased over the years, especially during the COVID-19 pandemic, with more people doing financial transactions online.

For this reason, clients need to be reassured that they won’t lose their hard-earned money when using BDO Online Banking. And BDO has developed these features for this exact purpose:

a. User Authentication via OTP

There are several ways BDO’s Online Banking has enforced security measures to verify a user’s identity. Aside from entering a username and a password, users are also required to key in a one-time password (OTP)—which BDO sends via SMS to the registered mobile phone number—each time they log in. The OTP requirement is needed for certain transactions, like fund transfer and prepaid reloading, to ensure that each transaction is secure and has been verified by the account holder. 

If you do not wish to flood your inbox with codes and updates from BDO every time you make a transaction using their online banking facility, you can opt to use the OTP Generator feature on the BDO Mobile app. This is useful when you don’t receive the OTP via text message within 5 minutes.

b. Automatic Log-out

Whether you’re on your phone or laptop, you won’t have to worry when you forget to log out after your online banking session because the automatic log-out feature secures your BDO account. 

Through this feature, you’ll be logged out of the system once it detects inactivity for a certain number of minutes. This way, nobody can access your online banking account except for yourself.

c.   Lock/Unlock Card

In case you lose your BDO debit or credit card, you can immediately block unauthorized transactions through the Lock/Unlock Card feature on BDO Online Banking. In just a few clicks, you can lock your BDO card so that nobody can use the lost or stolen card for ATM and in-store transactions, as well as for online purchases and payments.

And while your physical card is locked, you can still use BDO Online Banking and Mobile Banking channels to transfer funds, pay bills, and perform other transactions. And once your card has been replaced, you can unlock the card to make it active again.

4. Set Transaction Limits

Another convenient feature when using the BDO Online Facility is that you can adjust the ATM withdrawal limit, PIN-based purchase limit (for in-store purchases), and No PIN purchase limit (for online purchases) for each of your BDO debit and credit cards. Moreover, may enable or disable overseas card-based transactions.

With these BDO online security features in place, users are guaranteed that they won’t lose a lot of money in case someone steals their card or attempts to hack into their account. Knowing how to use all of these features can help you secure and better manage your account transactions

Other Useful   BDO Online Banking Features You Might Not Know

Did you know that there are several other features that you don’t get to see as much as the others, but are just as useful in helping make your transactions more efficient?

a. My Quick Links

The Quick Links box is composed of several different icons showing your most commonly used BDO online services. You may select the icons you need, so you can quickly access them with just a few clicks.

b. My Saved Templates

If you have regular or recurring transactions with a specific person or business, this feature will most certainly come in quite handy. Using this feature, you can save your first send money transaction as a template, which you can use for your next fund transfers to the same recipient. By doing so, this will save you time because if you use a template for sending money, you won’t have to input all the required details for every transaction. 

Frequently Asked Questions

Faq #1: how do i register or update my mobile number to receive otp.

First, you will need to login to your BDO Online Banking account. Go to Profile Maintenance > Customer Information > Update Customer Information > Mobile Number. Then input the numeric characters only up to 15 digits without special symbols such as “-” or “+.” 

Examples of acceptable formats for local mobile numbers are 639171234567 or 09181234567. 

Meanwhile, for those using international mobile numbers, they will need to include the country code and area code ( e.g . 85291512345). Click “Update.” After this, you will then be prompted to check your registered email address for your system-generated Approval Code.

It’s important to note that your mobile number will not be updated if you do not input your Approval Code during the registration process. And to finalize the registration of your current mobile number, you need to login to your Online Banking account, click on the Approval Code icon (checkmark on the upper right-hand corner of your screen), and input your Approval Code.

FAQ #2: Do I pay anything for the OTP?

You don’t have to pay for your OTP as this is sent to your mobile number free of charge. Do note, however, that when your mobile number is in international roaming mode while you are overseas, the corresponding telecommunication charges of your network provider may apply.

FAQ #3: What should I do if I do not receive my OTP via SMS?

You may cancel your current request and try logging in again. Enter your correct user ID and password so that a new OTP will be sent to your registered mobile number.

FAQ #4: What should I do in case I suspect a Password breach or unauthorized transactions on my accounts?

In case you suspect a password breach or any unauthorized transactions using your accounts, you need to perform the following:

• Change your BDO Internet Banking Password online.
• Call BDO Call Center and request a Password/PIN reset.

FAQ #5: What should I do in case I forgot my BDO Online Banking Password?

There are two ways you can request access to a forgotten password:

1. The first method is to nominate a new Password via  www.bdo.com.ph . On the Log-in page, select the “Forgot Password” module. For security reasons, you can only nominate a new Password upon providing the correct data in the personal and Enrollment details asked during your online request. 

Important : This facility is only available for BDO Internet Banking enrollees only.

2. Alternatively, you can request a new password via the BDO Call Center. BDO’s Call Center Officers can reset the password for you. You will just need to answer some security questions (usually related to the account information that you have). After they have reset your password, you need to log in immediately after your request to change and secure your password. 

These are just some of the common things you need to know about BDO’s Online Banking Facility. To learn more about their new features and system updates, you can check out their website at https://www.bdo.com.ph/. 

Now that you know some of the most common features you can get from registering with BDO’s Online Banking Facility, you can determine if these features apply to most of the transactions you perform when at the bank or using an ATM. However, using an online banking facility will prove to be much more convenient, safer, and faster for you, because most of these transactions won’t require you to step outside of your house, especially during these times.

Convenience, security, and speed are among the best features any online banking facility can offer. So think about what you can gain from having your account enrolled in an online banking facility. 

ALSO READ:  List of OFW Loans in the Philippines (Banks and Government Agencies)

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BDO expects margins to be flat or lower as market awaits cuts

BDO Unibank, Inc.’s net interest margin (NIM) could be flat or slightly lower this year, depending on when the Bangko Sentral ng Pilipinas (BSP) will begin its rate cut cycle, its top official said.

“I think generally we expect rates to go down, and when things start to stabilize, we expect NIMs to slightly decline because yields will go down. So that means that we expect it to be flattish to slightly going down,” BDO President and Chief Executive Officer Nestor V. Tan told reporters on the sidelines of their annual stockholders’ meeting on Friday.

BDO’s NIM stood at 4.6% in 2023, up from 4.1% the previous year.

Mr. Tan said he expects the BSP to move alongside the US Federal Reserve to protect the peso.

“There are two factors that you have to manage: the interest rate and the impact of the interest rate policies worldwide on our foreign exchange, both of which have inflationary and economic impact. So, if I were to guess, I would say they will move in lockstep with the Fed,” he said.

The Fed last month kept its target rate at the 5.25%-5.5% range for a fifth straight meeting after raising interest rates by a cumulative 525 basis points (bps) from March 2022 to July 2023.

Meanwhile, the BSP’s policy-setting Monetary Board this month left its target reverse repurchase rate unchanged at a near 17-year high of 6.5% for a fourth straight meeting.

The BSP raised borrowing costs by 450 bps from May 2022 to October 2023 to help bring down elevated inflation.

BSP Governor Eli M. Remolona, Jr. earlier said that their planned easing cycle may be pushed back to the first quarter of 2025 “if things are worse.”

He also told Bloomberg in an interview that rate cuts won’t be huge and will bring the policy rate closer to about 6%.

Mr. Tan noted that the bank can recoup the impact of lower borrowing costs on BDO’s NIMs through their low-cost current account, savings account (CASA) deposits.

“As you can see also, CASA is picking up. So, we may be able to offset that with lowering the cost of funds,” he said.

BDO’s total deposits rose by 10.76% to P3.57 trillion last year from P3.22 trillion in 2022, with its CASA ratio at 72%.

In the first quarter, deposits rose by 13% year on year, also mainly driven by the increase in low-cost CASA deposits.

BDO’s net income grew by 12% year on year to P18.5 billion in the first quarter as its core businesses remained strong.

The Sy-led bank’s shares last went down by P2.60 or 1.76% to close at P145.50 apiece on Friday. — Aaron Michael C. Sy

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BDO bolsters sustainability commitment with Impact Report

2024 March – BDO Unibank Inc. (BDO) released its first ASEAN Sustainability Bond Impact Report outlining the environmental and social performance of financed projects from its 1st ASEAN Sustainability Bond issued in 2022.

BDO’s first ASEAN Sustainability Bond successfully raised PhP 52.7 billion for the Peso-denominated Fixed-Rate bond, which was well subscribed by both retail and institutional investors.

Proceeds of the first ASEAN Sustainability Bond financed 28 projects that supported the expansion of renewable energy sources which reduced greenhouse gas emissions, creation of sustainable infrastructure through construction or retrofitting of green buildings, and promotion of water conservation through enhancement of wastewater treatment facilities.

The bond proceeds also financed critical programs that generated employment. BDO provided loans for 488,450 Micro, Small and Medium Enterprises (MSMEs) and funded activities which helped create or retain 70,655 jobs, especially for displaced, underprivileged, and unemployed Filipinos.

BDO remains committed to a sustainable future by providing financial support to initiatives that create opportunities, uplift the lives of Filipinos and help contribute to the nation’s progress while transitioning to a low carbon, environmentally responsible, and socially inclusive economy.

The ASEAN Sustainability Bond Impact Report was prepared following the ASEAN Guidelines on Sustainability Bond Standards, International Capital Market Association (ICMA), Harmonized Framework for Impact Reporting, and aligned with the United Nations Sustainable Development Goals (SDGs) targets and the BDO Sustainable Finance Framework.

Related Stories:

• Read the ASEAN Sustainability Bond 2023 Impact Report
• BDO, top Asian banks publish new report on climate initiatives
• BDO wins Top Sustainability Award in Asia for 3rd straight year

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