BDO Pay Ultimate Guide

Get to know the e-wallet that lets you pay
from your BDO Debit or Credit Card
Tap to jump to section
Send Money Send Money Scan to Pay Pay Bills

to BDO account via InstaPay
Request Split Bill Account Other Tips

Money Security
Send Money for
FREE to BDO
accounts
If they're on BDO Pay, just use
their number or look for their
name in your phone's contacts.
Or copy-paste an account
number and tap Send!
What you need to know

about Send Money
Can I Send Money from any BDO account?
You can use a BDO Pay Account, Savings Account or Checking Account
as a source account for Send Money transactions. BDO Credit Cards
cannot be used for this feature.
Can I Send Money to any BDO Account?

You can only Send Money to a BDO Pay Account, Savings Account,
or Checking Account.
If your receiver’s default account is a BDO Credit Card, the money will be
credited to the first BDO Pay Account, Savings Account, or Checking Account
listed in their Link/Unlink Accounts on the BDO Pay app. If they don’t have any
of these accounts, the transaction will not push through, and you’ll get the
following notification in your app: “This mobile number is not yet linked to
BDO Pay.”
Can I Send Money through the BDO Pay app if I’m abroad?
Yes, as long as you’ve already successfully signed up for BDO Pay, you can use
the app to Send Money, even when you’re abroad.
Send Money to
other banks and
e-wallet
Do it in just a few taps via
InstaPay! Enter your receiver’s
details, and Send Money
straight from your linked
BDO accounts.

about Send Money via InstaPay
How much is the fee to Send Money to other banks and '-wallet?
Sending Money to other banks and wallets is PHP 10.00 per transaction.
How long does it take for my Send Money via InstaPay transaction
to be received?
Your receiver should get your Send Money via InstaPay in real-time.
How do I know which account I sent to?

The success screen will show you the name of the bank or e-wallet, account
number, and account name that you sent money to.
I sent money to the wrong person. What do I do?

Please call the BDO Contact Center immediately at (+632) 8631-8000.
Scan to Pay
and skip the cash
Paying in stores is safe and
convenient when you
Scan to Pay with BDO Pay.
Enjoy BDO Pay’s growing

network of QR merchants.

about Scan to Pay
When will my Scan to Pay transactions reflect in my transaction history?
Scan to Pay transactions reflect in real-time.
Will I get BDO Credit Card rewards from my Scan to Pay transaction?
Yes, you will earn points if you use your credit card as the source account for
your transaction.
Which payment QR codes can I scan using BDO Pay?

You can use the app to scan BDO Pay QR codes at official merchant
partners.
Additionally, if you are using a BDO Savings, Checking, or Pay Account as

your source account, you can also scan BDO Pay Request Money QRs
generated by other users of the app, as well as official merchant QR Ph
codes from other providers (e.g. GCash, Maya).
We’re working on making it possible for you to scan all QR codes soon,
regardless of your source account.
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.
Pay Bills
wherever,
whenever
No need to enroll billers –
just enter your bill details
and hit Pay! Enjoy new billers
added every week.

about Pay Bills
How can I check if a transaction is successful?
If your transaction is successful, you will get an in-app transaction receipt
and an email. You can also check your Transaction History. Please note that
this isn’t an official receipt. Official receipts have to
be requested directly from the biller.
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 billers who are not yet included in the list of BDO Pay Billers?
Sorry, you can only pay billers listed on the app. We're working on making
more billers available.
I made a mistake, what can I do?

Please call the BDO Contact Center immediately at (+632) 8631-8000.
Request Money
like a pro
Asking someone to pay you
back is now digital with the
BDO Pay app. When someone
receives your request, all they
have to do is tap Send, and the
amount goes straight into your
deposit account.

about Request Money
Can I Request via QR code?
Yes, you can. In the main menu at the bottom of your home screen, tap
Request > Request via QR.
Choose if you want to create a QR code with or without amount, create a

nickname for your account, and then tap Generate QR. Save it or share so
people can Scan to Pay you.
How many times can my QR code be used?

QR codes generated for Request via QR can be used multiple times and will
not expire.
Can I Receive Money through my BDO Credit Card?

You can only Receive Money through a BDO Pay Account, Savings Account,
or Checking Account. If your default account is a BDO Credit Card, the
money will be credited to the first BDO Pay Account, Savings Account, or
Checking Account listed in your Link/Unlink Accounts on the BDO Pay app.
If you don’t have any of these accounts, the transaction will not push
through.
Split Bills down
to the last
centavo
Divide the bill evenly with up
to five other people or request
different amounts per person,
and get paid straight to your
account. No need to count
cash or find change!

about Split Bill
How many people can I Split Bills with?
You can Split Bills with at least one other person and up to five other people.
Can I Split Bill with any other BDO Account?

You can Split Bill with any BDO Account, except BDO Credit Cards.
Account Security
Here are some important tips
that you can do to keep your
account safe.
Never share your username, password, and 6-digit PIN with anyone.
This will help you keep your transactions secure.
Keep your Credit Card number, expiry date, CVV, and OTP to yourself.
Avoid getting scammed by keeping these details hidden.
Only Scan to Pay or upload BDO Pay QRs from people you know.
Check both screenshots and transaction history if they match.
Regularly update your list of devices.

Just Tap More > Manage Devices on your app settings
Check your transactions regularly.

Call the BDO Contact Center at (+632) 8631-8000 immediately if you notice
any unauthorized transactions.
Always double check transactionswhen receiving payments.

Check if the screenshots and transaction history match.
Other things you
should know about
BDO Pay
Is there a limit on the number of transactions I do?

There is no limit to the number of BDO Pay transactions you can do.
But please note the following transaction limits:
Send Money via InstaPay

(Including PHP 25.00 service fee)
PHP 50,000/day
Send Money to other BDO accounts PHP 50,000/day
Pay Bills PHP 1,000,000/day
PHP 100,000/day
(BDO Pay, Savings, or Checking Account)
Scan to Pay
Credit Limit
(BDO Credit Cards)
Split Bill PHP 50,000/person
Request Money PHP 50,000/person
Can I cancel transactions?

Every transaction will ask you to double-check and confirm
the details. Once you tap Confirm, the transaction is
considered final and cannot be cancelled.

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Get to know the e-wallet that lets you pay

from your BDO Debit or Credit Card

Tap to jump to section

Send Money Send Money Scan to Pay Pay Bills

Request Split Bill Account Other Tips

What you need to know

Can I Send Money to any BDO Account?

What you need to know

How do I know which account I sent to?

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

Enjoy BDO Pay’s growing

What you need to know

Which payment QR codes can I scan using BDO Pay?

Additionally, if you are using a BDO Savings, Checking, or Pay Account as

What should I do if I paid the wrong amount?

What you need to know

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

I made a mistake, what can I do?

What you need to know

Choose if you want to create a QR code with or without amount, create a

How many times can my QR code be used?

Can I Receive Money through my BDO Credit Card?

What you need to know

Can I Split Bill with any other BDO Account?

Regularly update your list of devices.

Check your transactions regularly.

Always double check transactionswhen receiving payments.

Is there a limit on the number of transactions I do?

But please note the following transaction limits:

Send Money via InstaPay

Send Money to other BDO accounts PHP 50,000/day

Pay Bills PHP 1,000,000/day

Split Bill PHP 50,000/person

Request Money PHP 50,000/person

Can I cancel transactions?

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Always double check transactionswhen receiving payments.