Protection and Account Security

To retrieve forgotten username, just follow these steps:

1. Download the BDO Online app from Google Play Store or App Store
2. On the login page, tap Need help logging in?, then tap I’d like to get my username
3. Enter the registered email address
4. The retrieved username will be sent via email.

To reset your BDO Online app password, just follow these steps:

1. On the login page, tap Need help logging in?, then tap I’d like to reset my password
2. Enter your username and the last four (4) digits of your account or card number, then tap Next
3. Enter the One-Time PIN (OTP) sent to your registered mobile number to confirm your account, then tap Next
4. Set up your new password
5. Once password reset is successful, you can already use your new password to log in to your BDO Online app*
   *Password reset made in the new BDO Online app will not reflect in the old BDO Digital Banking app and Online Banking website

To reset your BDO Digital Banking app and/or Online Banking website password, just follow these steps:

1. Go to online.bdo.com.ph
2. On the login page, click Forgot your password?
3. Enter your user ID, and click Verify
4. Enter the last 4 digits of your BDO Debit Card or Savings/Checking  Account Number enrolled in Online Banking, then click Submit
5. Enter the One-Time PIN (OTP) sent to your registered mobile number to confirm your account, then click Submit
6. Enter and confirm the new password, and see the successful password reset message on the screen
   *Password reset made in the old BDO Digital Banking app and Online Banking website will not reflect in the new BDO Online app

• Change your m-PIN or
• Call BDO Call Center and request for an m-PIN reset and report the incident for case logging

A One-Time Password is a unique 6-character code that will be sent via SMS to your registered mobile number when you login to BDO Online Banking. After entering your BDO Online Banking user ID and password, you will also be required to enter the OTP to complete the login process.

The login process can be successfully completed with an OTP that is sent only to your registered mobile number and can be used just once. Only you can complete the login process.

No. Your OTP is free of charge. 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.

1. Login to BDO Personal Online Banking, go to "Profile Maintenance" > "Customer Information" > "Update Customer Information".

2. Fill out the required information then click on "Update". Take note of your ATM Activation Code that can be found on the acknowledgment page, email and sms confirmation.

3. Activate your request by going to any BDO ATM. Using your ATM Debit Card, select "Other Services" > "Activate Electronic Banking" and enter your ATM Activation Code.

Note: Your information will be updated after 24 hours from ATM activation.

For local mobile numbers, acceptable formats are 639171234567 or 09181234567.

For international mobile numbers, please include the country code and area code (e.g. 85291512345).

For clients with enrolled credit cards only and those residing abroad, please call BDO Customer Contact Center to update your information.

Yes, you will already receive an OTP on your next login after you have successfully updated your mobile number.

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.

There is no need for an OTP after successfully activating your device.

Your OTP expires after a certain period from the actual time of receipt. You need to enter it within the specified time, which is set at ten minutes.

To get a new OTP, exit from your current session, enter your user ID and password again, then click on the “Regenerate OTP” button within the message window that automatically appears if your OTP has expired.

The device you are using may already be activated by another user.

You will only receive your OTP upon login. Once you have entered your OTP, you can perform all your online transactions within the same session.

Call BDO Customer Contact Center to report the incident. BDO Online Banking will send an OTP to your registered mobile number only upon entry of your correct user ID and password. This is the system's way of alerting you that someone might be trying to access your account.

If you registered an international mobile number, or a local mobile number that is enabled for international roaming, you will still receive your OTP via SMS.

Your OTP will only be sent to the mobile number you registered in BDO Online Banking.

Using the current security technologies and processes, BDO assures its clients of the confidentiality and privacy of their online banking sessions. BDO Internet Banking security uses:

• Authentication - Authentication ensures that only authorized users can access the BDO Internet Banking system by verifying the identity of the user. This is enforced through the use of a User Name and Password.
• Network Security – BDO uses a firewall to protect its Internet banking servers from unauthorized Internet access. A firewall is a combination of systems that enforces a boundary between the Internet and the bank's network, while blocking out all unwanted access.
• Encryption - Encryption converts data on the system to a format that is unreadable by anyone who does not have the proper authorization. Currently, BDO Internet Banking uses 128-bit Secure Sockets Layer (SSL) to secure all banking transactions. 128-bit encryption means that there are 2128 - or 3.4 with 38 zeros after it - possible combinations that could access your account information but only one that works for each online banking session.
• Automatic Log-out - BDO Internet Banking automatically logs you out of the system if it detects no user activity for a fixed number of minutes. This protects your accounts from being accessed by the next PC user, especially when using a public or shared computer.
• Password strength – an on-screen meter that indicates the strength of your nominated password.