You can apply on the BDO Pay app online or by visiting your preferred branch.

How to apply using the BDO Pay app: 

1. Download the BDO Pay app from the App Store, Google Play Store or AppGallery
2. Open the app and tap Open a Basic Account
3. Fill out the application form 

To open a Basic Account, you must be a Filipino citizen with an address in the Philippines, aged 18 years old and above. ​

​During your application, you'll need to provide the following:​

• 1 Valid ID​
• Selfie​
• Personal Information:            
  1. Full name
  2. Date of birth ​
  3. Personal mobile number​
  4. Personal email address​
  5. Country of Birth​
  6. Citizenship ​
  7. Home address ​
  8. Primary nature of work/business​

Do you have a Philippine Passport? Submit it as your valid ID and get approved in just minutes! ​
​
Otherwise, just submit at least one of these IDs:​

• Driver's License (issued by LTO)​
• ePhilID​
• OWWA / OFW ID / Seaman's Book​
• Philippine Postal ID​
• PhilHealth Health Insurace Card ng Bayan​
• Philsys ID​
• Professional Regulations Commission (PRC) ID​
• New Social Security System (SSS) ID​
• Tax Identification Number (TIN) ID​
• Unified Multi-Purpose ID (UMID)​
• Voter's ID

If you submit your Philippine Passport, your Basic Account can be approved in just minutes! For other valid IDs, it should be approved within three (3) banking days.

You’ll receive updates on the status of your account application via email and text message.

Your Basic Account is active as soon as you receive the welcome email.

Not yet. You will need to link your account to the BDO Pay app. Here's how:

1. Enter the Online Banking username and password you used during your application
2. Enter the OTP sent to your registered mobile number
3. Choose your Basic Account as your default payment and receiving account 
   
4. You're all set! Start using BDO Pay

To learn how to get the most out of your Basic Account, check out our How-To playlist here. 

There are currently 3 ways to cash in to your Basic Account: through BDO Cash Deposit Machines, by sending money from other banks and mobile wallets or deposit over-the-counter.

Cash Deposit Machine

1. Choose Cardless Transaction > Confirm > Deposit Cash > Savings
2. Enter your account number, then insert your cash in the bin
3. Double-check your transaction details and tap Confirm

Adding money through a Cash Deposit Machine is free. To locate the nearest Cash Deposit Machine, visit https://www.bdo.com.ph/mobile/ebanking/cash-deposit-machine.

Other banks and mobile wallets

1. Choose to Transfer or Send to a BDO account
2. Enter your BDO Pay Account details and the amount you want to transfer
3. Confirm the transaction

You can find your account number in the encrypted PDF attached to your welcome email. You can also get the number by logging into your Online Banking account.

Please check the FAQs section of the source bank or mobile wallet to get the detailed steps for transferring or sending money to BDO. Service fees may apply.

Using a BDO Cash Deposit Machine to cash-in is free. Service fees may apply when using InstaPay to transfer money from another bank or mobile wallet.

The maximum monthly cash in and maximum account balance limit is ₱100,000.

No, a Basic Account does not require a maintaining balance. However, it will become dormant if your account has no activity for 1 year.

No, it does not. If you want to open a BDO account that earns interest, you can do it through this page.

There are many ways: 

1. All the details of your Basic Account, including the account number, will be shown in the encrypted PDF attached to your welcome email.
2. You can view your Basic Account number on the BDO Pay app, just tap your Basic Account card on the dashboard or got to Accounts, then tap you Basic Account. 
3. You can also get the number by logging into your Online Banking account.
   • If you log in via browser, click on My Accounts > My Accounts.
   • If you log in via BDO Online app, just tap on your BDO Pay Account to view the whole account number.

Enjoy all the features of the BDO Pay app when you link your Basic Account!

• Scan to Pay wherever there is an official merchant QR Ph code from other providers
• Send Money
  
• Pay Bills
• Request Money
• Split Bill
• Access to BDO Deals and Rewards

Yes, you can use your Basic Account to make cashless payments at official BDO Pay merchant partners, as well as in stores with official QR Ph codes from other providers (e.g. GCash, Maya). 

If you have a BDO Pay Card linked to your Basic Account, you can use it to pay in stores that accept BancNet debit cards.  

Yes. To deactivate your Basic Account, visit your branch of account or call the BDO Contact Center at (+632) 8888-0000.​

No. You can only have one (1) Basic Account, but if you want to open additional BDO accounts, you can do it through this page.

Yes! Once your Basic Account application has been approved, head over to your preferred BDO Branch. Make sure to bring a valid government-issued ID and get the card for only ₱150.

Your Basic Account is neither Mastercard nor Visa. It is a virtual BDO Proprietary Card.

You may reapply to receive a new schedule for your interview. After reapplying, please wait for BDO to send you an email regarding the details of your appointment.

Note: This is for customers applying for BDO Basic Account who need to complete a Video Call.