BDO Pay Account Terms and Conditions

The following Terms and Conditions ("Terms & Conditions") shall govern the issuance and use of the Account. By applying for and using the Account, customer hereby agrees as follows:

1. Definition of Terms

1.1 “Account” shall mean both the BDO Pay Account and/or Upgraded BDO Pay Account.

1.2 “ATM” shall mean automated teller machines owned and/or maintained by or on behalf of BDO and/or the ATM Network Participants.

1.3 “ATM Network Participant/s” shall mean banks and other financial institutions who are, or in the future be, members or affiliates of BancNet or such other ATM networks or affiliations that will allow BDO Pay Cards in their ATM systems and facilities.

1.4 “BDO Pay Account” shall mean a reloadable, electronic money instrument opened and maintained by Customer with BDO having an account number as its unique identifier. This is governed by E-Wallet regulations of the Bangko Sentral ng Pilipinas (BSP) under Section 702 of the Manual of Regulations for Banks (MORB).

1.5 "Upgraded BDO Pay Account" shall mean savings deposit account opened and maintained by Customer with BDO, each having an account number as its unique identifier. This account is governed by the deposit account regulations of the Bangko Sentral ng Pilipinas (BSP) under MORB 921.

1.6 “Branch of Account” shall mean the BDO branch selected by the owner of the Upgraded BDO Pay Account as his/her branch of account.

1.7 “BDO Pay Application” shall mean the application installed in Customer’s mobile device which allows Customer to access his/her Account.

1.8 “BDO Pay App PIN” shall mean a personalized digit code used to access the BDO Pay Application on Customer’s mobile device.

1.9 “BDO Pay Card” shall mean the physical card, the issuance of which is requested by Customer with his preferred BDO branch and linked to Customer’s Account. The BDO Pay Card may be used for POS transactions and withdrawal at ATMs.

1.10 “Card PIN” shall mean a personalized digit code used to access the BDO Pay Card and make ATM/CDM/Point-of-Sale (POS) transactions.

1.11 “CDM” shall mean cash deposit machines owned and/or operated by BDO.

1.12 “Inactive Account/s” shall mean Account/s that have no customer-initiated financial transaction for a specified period, such as 365 days/1 year, as solely determined by BDO.

1.13 "Customer/s" shall mean the person who owns and maintains the Account and in whose name the BDO Pay Card is issued.

2. Account Opening and Access

By opening an Account, Customer agrees to be bound by these Terms and Conditions and to provide BDO with accurate and updated information. BDO may verify any information being submitted by Customer for the Account opening with a third party verification vendor as it may deem necessary. BDO reserves the right, at its sole and absolute discretion, to approve and disapprove the opening of an Account, without need of informing Customer of the reason for its disapproval of the application.

Customers may use their Account to perform any or all of the following peso-denominated services:

(i) purchase items/goods/services at accredited merchants;

(ii) withdraw cash thru designated automated teller machines ("ATM") locally; 

(iii) receive/transfer value from/to another Account; 

(iv) balance inquiry;

(v) change Card PIN for ATM and POS use, thru ATM; 

(vi) load/reload value; 

(vii) pay bills; 

(viii) purchase prepaid mobile load; 

(ix) view transaction history and/or statement of account through BDO Online and BDO Pay (collectively, the "BDO Apps"); and

(x) such other uses as may be allowed by BDO. 

Customer shall have acccess to his/her Account via the BDO Apps. In addition to the above channels, Branch services are only available for Upgraded BDO Pay Accounts. 

3. Account Services, Fees, and Limits

3.1 The BDO Pay Account can only be funded through transfers from other bank accounts and through available non-BDO Branch channels (i.e. BDO Cash Deposit Machine and funds transfers from other banks). Funding of the Upgraded BDO Pay Account can be done through all available channels including deposit through the BDO branches.

3.2 Cash in to the BDO Pay Account or deposit to the Upgraded BDO Pay Account shall be credited to the Account only after verification by BDO, the date of which may or may not be the same as the date when the cash in or deposit was actually made. The amount verified by BDO shall be conclusively deemed to be the correct amount cashed in or deposited by Customer to his/her Account.

3.3 The receipt which is electronically or manually generated at the time the cash in or deposit is made prima facie represents the amount cashed in to Customer’s BDO Pay Account or deposited to the Upgraded BDO Pay Account and shall not bind BDO until verified as true and correct by BDO.

3.4 In accepting transactions of Customers with third parties through the use of the BDO Pay Card and/or Account, such as bills payments, POS purchases, airtime reloads and the like, BDO merely serves as a conduit between Customer and the payee and BDO shall not be held liable for any action or claim which may arise between the payee and Customer, the latter hereby agreeing to hold the Bank free and harmless therefrom.

3.5 Customer accepts full responsibility for all transactions made with the use of the BDO Pay Card and/or Account (with or without his/her knowledge or authority, with or without his/her signature, Card Pin or BDO Pay App PIN or biometrics). All transactions using the BDO Pay Card and/or Account (including without limitation, withdrawal, transfer, deposit and payments) shall be deemed by BDO as having been made with the knowledge of or authorized by Customer and shall be valid and binding upon Customer. Customer accepts BDO’s record of transactions as conclusive and binding for all purposes in the absence of manifest error. Customer further agrees to waive any and all rights and remedies against BDO in connection therewith.

3.6 BDO may, from time to time, upon giving notice, impose fees and charges for the use of the BDO Pay Card and/or Account. Customer hereby authorizes BDO to debit his/her Account or collect against any other assets which the Customer maintains with BDO, for the amount of such fees and charges without need of further notice, demand, act or deed without incurring any liability therefore or as a result thereof. If at any time there are insufficient funds in the said Account to cover fees and charges, BDO may suspend or terminate the use of the BDO Pay Card and/or Account without prior notification and without BDO incurring any liability as a result thereof. The updated fees and charges can be found on the BDO website.

Any and all taxes arising from payment of fees and charges hereunder shall be for the account of Customer without incurring any liability therefore or as a result thereof.

3.8 BDO reserves the right to charge an inactivity fee of PHP 50/month after one (1) year of inactivity (i.e. no customer-initiated financial transaction).  When the BDO Pay (Basic) account reaches zero balance after having been inactive for more than one (1) year and after deductions of inactivity fee have been made, the BDO Pay (Basic) account shall be automatically closed without further notice to the Customer.

4. Account Security and Maintenance

4.1 Customers have the option to avail of a BDO Pay Card which can be used for POS purchases and cash withdrawals via ATMs.

4.1.1 BDO Pay Card replacement shall be coordinated at any BDO branch, subject to card replacement fee as may be imposed by BDO.

4.1.2 Unclaimed Cards shall be cut vertically in half across the magnetic stripe after a period of sixty (60) calendar days or two (2) months from the date of receipt by the BDO Branch where the Cards could have been claimed.

4.1.3 Captured Cards retrieved from the ATM by BDO shall be destroyed after three (3) days.

4.2 Customer shall secure his/her BDO Pay Card and/or Account transactions and personal information and hereby agrees to strictly comply with the following security measures, as may be amended or supplemented by BDO from time to time:

  • Sign on the signature panel at the back of the BDO Pay Card,
  • Nominate a Personal Identification Number (PIN) as soon as the BDO Pay Card is received,
  • Not to use easy to guess PIN such as birth date, sequential numbers (i.e. 123456, 987654), same digits (i.e. 888888, 111111),
  • Keep BDO Pay Card Number, Card PIN and BDO Pay Card Security Code confidential,
  • Regularly change PIN. To change the Card PIN, Customer is required to insert the BDO Pay Card in a BDO-designated ATM card slot and enter his/her self-nominated PIN in the ATM,
  • Perform ATM transactions in well-lighted and safe areas,
  • Not to entertain strangers offering assistance while using an ATM,
  • Keep eyes on the BDO Pay Card when paying for purchases,
  • Update Customer contact information with the Branch of Account (for Upgraded BDO Pay Accounts) or by calling the Customer Hotline (for BDO Pay Accounts),
  • Not to share Customer’s BDO Online Banking credentials (i.e. username/password) with anyone,
  • Not to disclose One-Time PIN (OTP),
  • Not to share Customer’s BDO Pay Card details to a 3rd party (i.e. sales offer, magazine subscription), and
  • Regularly monitor transactions and Account balance and immediately report to the Branch of Account or Customer Hotline any discrepancy or inaccuracy noted in transactions or Account balance within 30 days from transaction date.

4.3 Customer agrees and undertakes to comply with the following authentication procedures, as may be amended or supplemented by BDO from time to time:

  • For ATM and CDM transactions - Insert BDO Pay Card and Enter Card PIN
  • For POS transactions - Swipe/Insert Card and Enter Card PIN or Sign transaction draft/invoice (depending on amount)
  • For Online Banking/BDO Pay Application transactions – Enter Username and Password + One Time PIN (OTP) on new devices or BDO Pay App PIN/Device Biometrics when transacting on a trusted device.

4.4 Customer acknowledges and agrees that the BDO Pay App Pin/Card PIN is strictly confidential and should not be disclosed, given to or made available for use by any other person under any circumstances, including BDO

4.5 In the event the BDO Pay Card is lost or stolen or the Account is compromised, Customer agrees to immediately report the same by calling BDO Customer Contact Center (8631-8000 or other tel. nos. that may be made available by BDO). For lost or stolen BDO Pay Card linked to an Upgraded BDO Pay Account, Customer shall likewise immediately submit a notarized Declaration of Loss (regardless of the outstanding balance of the account), accomplished ATM Debit Card Form, and one (1) valid ID to any BDO Branch. If the loss or theft of the BDO Pay Card occurred on a Saturday, Sunday, legal holiday or on a day or time when BDO is otherwise closed for business, these will be submitted on the next banking day. Prior to receipt by BDO of Customer’s report of loss, theft, or account compromise, all transactions generated by the use of the BDO Pay Card and/or Account shall be deemed conclusively binding upon Customer and BDO will not be held liable for any loss or damage incurred by Customer.

4.6 In case of a compromised BDO Pay Card, where BDO receives information that the BDO Pay Card number, name, and/or expiry date have been obtained by an unauthorized source/party, BDO shall suspend and tag the BDO Pay Card as “hot” and suspend its use to prevent its unauthorized use, and BDO shall immediately notify Customer of the suspension and tagging of the BDO Pay Card and issue a replacement BDO Pay Card to Customer. For compromised mobile devices, please refer to the BDO Pay Application or Electronic Banking Terms and Conditions, as applicable.

4.7 The BDO Pay Card is for the exclusive use of Customer and is not transferable. The BDO Pay Card may be linked to only one Account at any given point in time. The BDO Pay Card shall be used only for lawful banking and other transactions allowed by BDO with respect to the Account (i.e. ATM/CDM transactions and POS debit/purchase transactions). It may be used on BDO’s and/or ATM Network Participants’ ATMs, cash dispensers, POS terminal networks, and/or other electronic devices. Customer agrees to sign the BDO Pay Card immediately upon receipt thereof and to keep the BDO Pay Card in a secure and safe place.

4.8 The BDO Pay Card is the property of BDO and BDO may, at any time, without prior notice and without the need to give any reason therefore, terminate the use of, cancel, repossess or decline to issue, renew or replace the BDO Pay Card. BDO may cause the ATM to capture the BDO Pay Card automatically or suspend any services at any time without notice to Customer. Customer agrees to return the BDO Pay Card to BDO no later than one (1) month from the date of BDO’s request. The BDO Pay Card is valid for ten (10) years or less from date of Card issuance and shall be subject to replacement initiated by Customer upon expiry.

4.9 Customer shall report occurrences of ATM or CDM crimes (e.g. robbery, vandalism) to BDO by calling BDO Customer Contact Center (8631-8000 or other tel. nos. that may be made available by BDO). In case the BDO Pay Card and/or the Account is suspected by BDO or government authorities to be involved in ATM crimes or fraud cases, Customer expressly consents to and hereby irrevocably authorizes BDO to pursue investigation in accordance to Philippine laws and in relation thereto, to disclose Customer information or Account transaction to the appropriate government authorities

5. Account Termination or Suspension

5.1 Customer may request BDO to terminate or suspend its use of the BDO Pay Card and/or Account by calling BDO Customer Contact Center to make such request. BDO shall, on a best-efforts basis and to the extent practicable, immediately effect the requested cancellation or termination. Customer shall remain responsible for any transactions made on the Account until the time of termination or suspension of the use of the Card and/or Account. Customer warrants in the event of his/her request for termination of the Card, to properly dispose the Card.

5.2 BDO may terminate or suspend Customer’s use of the BDO Pay Cards and/or Account at any time, with or without prior notice in the following cases:

5.2.1 The Account/s have zero balance and have no Customer-initiated financial transaction for 365 days/1 year;

5.2.2 BDO reserves the right to charge a dormancy fee for accounts without a financial transaction for 1 year;

5.2.3 Customer has breached these Terms and Conditions;

5.2.4 BDO learns of Customer’s bankruptcy, insolvency, liquidation, dissolution, death, incapacity, or other analogous circumstances, or that Customer committed an act of bankruptcy, insolvency, liquidation, dissolution or other analogous acts, or that a bankruptcy or insolvency or other analogous petition has been filed against Customer;

5.2.5 There is a finding of probable cause against Customer for offenses involving moral turpitude;

5.2.6 Customer filed a petition for voluntary proceedings or a petition for involuntary proceedings is filed against Customer under the Financial Rehabilitation and Insolvency Act of 2010 (Republic Act No. 10142), either personally or by any corporation, partnership or entity to which Customer is connected;

5.2.7 If in BDO’s reasonable opinion, Customer’s Card and/or Account is/are being used for any unlawful or illegal activity or transaction;

5.2.8 In case of closure, termination, suspension, garnishment, hold-out or other similar restrictions on the Card and/or Account;

5.2.9 Inactive Account;

5.2.10 There exist other reasonable grounds to do so, as determined by BDO.

Any and all accrued but unpaid obligations of Customer to BDO prior to termination, and terms and conditions hereof which by express terms, shall survive the termination of Account or Customer’s right to use the BDO Pay Card.

6. Customer's Information and Consent

Customer authorizes BDO, its subsidiaries and affiliates (“Related Companies”), and their respective officers and employees, to do any one or all of the following:

6.1 Release, disclose, submit, share, or exchange any Customer information and/or Account information and reports to third parties, such as but not limited to service providers, consumer reporting or reference agencies, government regulatory agencies, and to other banks, creditors, financial institutions, loyalty program partners, and/or merchant partners, for the following purposes: (a) as BDO may deem necessary for purposes of performing its obligations or enforce its rights against Customer, (b) as may be required by law or regulation, and/or (c) for such other lawful purposes as BDO may deem fit or necessary;

6.2 Release, disclose, submit, share or exchange any Customer information and/or Account Information to BDO’s remittance tie-ups, partners, agents, subsidiaries (local and/or foreign) in connection with remittance transactions involving Customer and/or his/her Account;

6.3 Inform Customer about BDO Pay Card/Account updates, promotional offers of BDO or its Related Companies, advertisements, surveys or announcements through mail, electronic mail, short messaging service (SMS), social media, phone, or any other means of communication, all of which the Customer is given the option to opt-out from; and

6.4 Use or share with third parties the information Customer has provided and/or information derived from external sources for conducting internal marketing studies, surveys, marketing activities or promotional offers of BDO, its Related Companies, and/or merchant partners, and/or to develop and make offers which Customers may receive through email or through other means of communication.

For the above purposes, Customer hereby waives his/her confidentiality rights under the relevant bank secrecy laws such as but not limited to Republic Act Nos. 1405, 6426, 8791, 8484 and 10173 (otherwise known as The Secrecy of Bank Deposits Law, Foreign Currency Deposit Act, The General Banking Law of 2000, Access Devices Regulations Act of 1998 and Data Privacy Act of 2012) and hereby agrees to indemnify and keep BDO and Related Companies, including their respective directors, officers and employees, free and harmless from and against any and all claims, suits, actions or proceedings which may arise as a result of or in connection with the release and disclosure of Customer information and/or Account information as set out above.

The disclosure consent herein granted by Customer shall continue to be valid and effective until the termination of the Account.

7. Indemnification/Liability Limitation

Customer hereby agrees to indemnify and render BDO/its directors, officers, employees and agents and assigns, free and harmless from and against any claim, cause of action, suit, liability, loss or damage of whatever nature which may arise as a result of or in connection with the use of the BDO Pay Card and/or Account and the transactions made with the use of the BDO Pay Card and/or Account, in the following instances:

7.1 Disruption, failure or delay relating to or in connection with the use of the BDO Pay Card and/or Account which is due to circumstances beyond the control of BDO, fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, computer-related errors, problems related to computer hardware and/or software (including bugs and viruses), disruption and/or failure of BDO's systems and facilities, typhoons, floods, public disturbances and calamities, government declared restrictions, and other similar or related cases;

7.2 Fraudulent or unauthorized utilization of the BDO Pay Card and/or Account due to theft, unauthorized disclosure or breach of security or confidentiality of the Card Number, Card PIN, Card Security Code, Username and Password, BDO Pay App PIN or biometrics, with or without Customer’s participation;

7.3 Inaccurate, incomplete or delayed information received by BDO due to disruption or failure of any communication facilities or electronic device used for transaction using the BDO Pay Card and / or transactions on the Account;

7.4 Mechanical defect in or malfunction of the electronic device on which the BDO Pay Card is used (i.e., ATM, CDM, POS, etc.); the BDO Pay Card not being honored or being declined; any delay in the crediting of any deposit to or debiting of payment from the Account due to or by reason of failure and/or malfunction of any mechanical, electronic or other part, component, system or network upon which the ATM/branch computer is critically dependent on normal and efficient operations;

7.5 Improper, unauthorized use of the BDO Pay Card’s facilities and electronic devices (i.e. ATM, CDM, POS, etc.); or recklessness or accident in connection with the use thereof; and/or

7.6 Failure or violation by Customer of the terms and conditions of these Terms and Conditions.

The above provisions shall survive the termination or suspension of the Account and/or the right to use the BDO Pay Card.

8. Liability Limitation

In the event that BDO is found liable for any act or omission in connection with BDO Pay Card and/or Account, BDO’s liability will be limited to Client’s actual proven damages or loss incurred, subject to results of BDO’s internal investigation. BDO shall not be liable for any special, consequential or indirect damage suffered by Customer from the use of the Card and/or transactions on his/her Account even if BDO has been advised of the possibility thereof. This provision shall survive the termination or suspension of the Account and/or the right to use the BDO Pay Card and/or Account.

BDO shall have no liability whatsoever for any loss or damage incurred by Customer arising from Customer’s breach of or non-compliance with the provisions of Section 4 of these Terms and Conditions

9. ATM/POS/Online/Web Merchants Network

Customer understands that the BDO Pay Card and/or BDO Pay App may be used in ATMs/POS terminals of BDO and the ATM Network Participants and Online/Web Merchants. Customer agrees that BDO does not have control over the ATM Network Participants through which Customer may access the Account, their ATMs, their procedures or controls in regard to data/information processing. Hence, BDO shall not be liable for any loss or damage of whatever kind or nature incurred by Customer as a result of or in connection with (i) Customer’s inability to use or delay in the use of his/her BDO Pay Card or inability to avail himself/herself of or delay in the availability of any ATM service due to disruption, breakdown or failure of the ATMs of ATM Network Participants and Online/Web Merchants, communication facilities linking the same, or (ii) unauthorized or fraudulent access or utilization of the Card or any ATM service. Customer understands and agrees that transactions coursed through any of these networks shall be subject to transaction fees as determined by BDO and the ATM Network Participants and Online/Web Merchants through which the transactions are coursed.

10. Accredited Establishments

BDO has an agreement with partner establishment/s whereby the BDO Pay Card shall be honored at all partner establishment/s worldwide at all times. However, BDO shall not be liable to Customer if, for any reason, such partner establishment/s does not honor the BDO Pay Card. Customer agrees to hold BDO free and harmless from any and all claims or liabilities as a result of the refusal of any partner establishment/s to honor the BDO Pay Card. Moreover, Customer shall not hold BDO responsible for any defective product or non-performance of a service purchased through the use of the BDO Pay Card or for any dispute between Customer and the establishment.

11. Limitations

Customer agrees not to use the BDO Pay Card and/or Accounts for the purchase of items/goods, the importation of which into the Philippines is subject to the provisions of the Manual of Regulations of Foreign Exchange Transactions of the Bangko Sentral ng Pilipinas, and all other circulars, laws, rules and regulations pertaining to importation.

12. Notices, Change of Address and Other Data

Unless otherwise provided herein, any and all notices and communications required or allowed to be given under these Terms and Conditions shall be in writing and sent to Customer at the email address, address or any of the addresses indicated in his account. Notices shall be deemed received by Customer on the date of receipt, if delivered personally; after fifteen (15) days from posting, if sent by mail; or on the date of transmission, if by facsimile or electronic mail. Customer shall immediately notify BDO of any change in his/her address, contact details, as well as other data previously indicated in this online application form. Until BDO is notified of such change, it will continue to use the information and data on file with it.

13. Undertaking

In case of over-credit, erroneous credit, failure to debit, erroneous debit, mis-posting, or any error in transaction involving any amount (any and all of which shall be referred to as “Amount/s Due to BDO”) to the Account as appearing in the records/books of BDO, and for whatever cause such as but not limited to systems error, error in communications facilities, Customer hereby agrees and undertakes to immediately return to BDO the Amount/s Due to BDO without need of notice or demand, plus any and all expenses, costs and damages which BDO may have incurred, including penalty interest at BDO’s then prevailing loan rate based on the Amount/s Due to BDO, in connection with the enforcement of BDO’s right to recover and collect the Amount/s Due to BDO. For this purpose, Customer irrevocably authorizes BDO/its representatives to effect the debiting of funds from Account to the extent of the Amount/s Due to BDO, without need of further act and deed, and without BDO/its representatives incurring any liability as a consequence thereof. This is without prejudice to the exercise by BDO of its right to enforce full recovery and collection of the Amount/s Due to BDO, in case Customer’s Account cannot be debited for any reason such as but not limited to insufficient balance, as well as the exercise by BDO of the legal remedies to which BDO may be entitled to under the law and this Agreement, including but not limited to immediate cancellation or suspension of the relevant Account, civil, criminal, and/or administrative remedies. Pending full recovery or collection by BDO of the Amount/s Due to BDO, Customer shall hold the said amount in trust for BDO. Failure of Customer to account for and return the Amount/s Due to BDO shall give rise to a prima facie presumption of misappropriation or conversion with intent to defraud, on the part of Customer.

14. Additional Provisions Specific to an Upgraded BDO Pay Account

The Upgraded BDO Pay Account is insured by the PDIC. The opening and maintenance of an Upgraded BDO Pay Account shall be governed by the Terms and Conditions Governing Deposit Accounts and these Terms and Conditions shall serve as supplementary terms to the Terms and Conditions Governing Deposit Accounts. In the event of conflict between the provisions of the Terms and Conditions Governing Deposit Accounts and this Terms and Conditions, the provisions of this Terms and Conditions shall prevail.

15. Additional Provisions Specific to a BDO Pay Account

To open a BDO Pay Account, Customer must be at least 18 years of age and will need to provide required information and 1 valid government ID. Customer can open a BDO Pay Account through the BDO Pay App or any BDO Online channels.

The BDO Pay Account is not a deposit account and is not insured by the Philippine Deposit Insurance Company (PDIC), and may be availed only by new BDO customers, who do not have any existing deposit account or credit card account with BDO. The BDO Pay account is an e-money instrument that can be redeemed at face value. The BDO Customers who have an existing deposit or credit card account may directly apply for an Upgraded BDO Pay Account.

Customer may request to convert his/her BDO Pay Account to an Upgraded BDO Pay Account through the BDO Pay App subject to future guidelines as may be prescribed by BDO.

16. Customer Complaint

Any complaint regarding the BDO Pay Card, the Account, and/or transactions using the BDO Pay Card and/or the Account shall be communicated to BDO Customer Contact Center. For concerns, Customer may call BDO Customer Contact Center at (02) 8631-8000. To learn more about BDO Customer Assistance Mechanism, please visit bdo.com.ph/consumer-assistance.

17. Amendments/Revisions

Customer agrees that BDO shall have the right to add, revise, or amend, in whole or in part, these Terms & Conditions, and the features and functionalities of the BDO Pay Card and/or the Account. Any such addition, revision, or amendment will take effect and become binding on Customer sixty (60) days after it is published, announced or displayed by means of posters duly displayed in a conspicuous place within the premises of BDO, or through its digital channels, or by any other means of publication or communication as determined by BDO.

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas:
Tel No. (02) 8708-7087; Email: consumeraffairs@bsp.gov.ph.

 

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