Limits and Fees
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Send Money to Any BDO Account
| Send Money to Any BDO Account                 |
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Daily transaction limit: ₱200,000 Minimum transaction amount: ₱1             |
Free | Real-time credit |
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Daily transaction limit: ₱50,000 Minimum transaction amount: ₱100            |
Free | Real-time credit |
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Send Money to Other Banks and Wallets via InstaPay
| Send Money to Other Banks and Wallets via InstaPay                 |
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Daily transaction limit: ₱50,000 Minimum transaction amount: ₱100           |
₱10 | Real-time credit |
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Daily transaction limit: ₱50,000 Minimum transaction amount: ₱100          |
₱25 | Real-time credit |
REMINDER: Transaction limit includes InstaPay fees. The ₱50,000 limit is part of the total ₱100,000 limit shared with two other services: Withdraw via QR and Scan to Pay.
Send Money for Cash Pick-up at Any BDO Branch/Partner
| Send Money for Cash Pick-up at Any BDO Branch/Partner: • BDO Remit Counters in SM Malls • BDO Network Bank • SM Hypermart • SM Savemore • SM Supermarket • Palawan Pawnshop • RD Pawnshop • Villarica Pawnshop • Cebuana Lhuillier • M. Lhuillier Kwarta Padala   |
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Daily transaction limit: ₱50,000 Minimum transaction amount: ₱100           |
₱100 (Except for M. Lhuillier Kwarta Padala - ₱150) |
Within 24 hours on banking days |
REMINDER: Only Palawan Pawnshop is a BDO Cash Pick-up partner. Palawan Express Padala Outlet or Agent is different from Palawan Pawnshop and is NOT a BDO Cash Pick-up location.
*Transaction fee will not be refunded if customer requests to cancel.
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Send Money to Own BDO Account (USD to PHP)
| Send Money to Own BDO Account (USD to PHP)Â Â | |
Daily transaction limit: USD 5,000 Minimum transaction amount: USD 1Â Â |
USD 1 |
Real-time credit |
REMINDER: Exchange rate will be the published rate in the BDO website (Real-time conversion). Click here to view Foreign Exchange.
Send Money to Enrolled 3rd Party (Same Currency)
| Send Money to Enrolled 3rd Party (Same Currency)Â Â | |
Daily transaction limit: • PHP to PHP 1,000,000 • USD to USD 20,000 • AUD to AUD 28,000 • CAD to CAD 28,000 • CNY to CNY 140,000 • EUR to EUR 18,000 • GBP to GBP 16,000 • HKD to HKD 160,000 • SGD to SGD 28,000 Minimum transaction amount: ₱0.01 |
Free |
Real-time credit |
Send Money via Wire Transfer
| Send Money from a USD account to any currency  | |
Up to available balance | Wire transfer fee: USD 10 Additional charge (If On-Us): USD 25 |
3-5 days processing with 11 AM cut-off until further notice. |
REMINDER:Â Beneficiary Bank Charges -Â Depending on the beneficiary bank involved in the transfer, they may or may not charge their own fees.*
Intermediary Bank Charges - If the transaction will be routed through a correspondent bank, intermediary bank charges may also be applied. This is shouldered by the beneficiary customer/recipient of funds where the charge will be deducted by the correspondent/settlement/beneficiary bank from the total amount that the recipient of funds will receive.
*Â These are the fees of the intermediary/beneficiary bank and not of BDO.
*Fees of the correspondent/intermediary/beneficiary may change without prior notice.Â
Pay Bills
| Pay Bills                 |
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Daily transaction limit:Â Varies per biller Minimum transaction amount: Varies per biller |
Free | Refer to reminders below |
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Daily transaction limit:Â Varies per biller Minimum transaction amount: Varies per biller |
Free | Refer to reminders below |
REMINDER: Successful payments are immediately deducted from account, but posting date of payment varies according to the merchant biller with 10pm cut-off for same-day Pay Bills settlement. Transactions done after the cut-off are considered next banking day transactions.
Buy Load
| Buy Load for any network                 |
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Daily transaction limit: ₱2,000 Minimum transaction amount: Varies per network provider (with pre-defined list of denomination) |
Free | Real-time credit |
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Daily transaction limit: ₱2,000 Minimum transaction amount: Varies per network provider (with pre-defined list of denomination) |
Free | Real-time credit |
Withdraw Money via QR Code
| Withdraw Money from QR-enabled BDO ATMs | |
Daily transaction limit: ₱50,000 Minimum transaction amount: ₱200 Maximum transaction amount: ₱50,000 (Amount must be in multiples of 100) |
Free | Real-time debit from every successful withdrawal |
REMINDER: The ₱50,000 limit is part of the total ₱100,000 limit shared with two other services: Send Money to Other Banks and Wallets via Instapay and Scan to Pay. Transaction limit also includes all generated QR codes, used or unused.Â
Deposit Money via QR Code
| Deposit Money via QR-enabled BDO Universal Teller Machines (UTMs)Â Â | |
Minimum Transaction Amount: ₱100 Maximum Transaction Amount: ₱200,000 Maximum number of bills: 200 pieces QR Validity: 24 hours |
Free |
Real-time credit to account with every successful deposit |
REMINDER: BDO Universal Teller Machines do not accept ₱20 and ₱50 bills and coins.
Scan to Pay
| Scan to Pay |  |
Daily transaction limit: ₱50,000 Minimum transaction amount: ₱1 |
Free |
Real-time debit for every successful payment |
REMINDER:Â The daily transaction limit is shared by all linked accounts.
Allowed source account to use for payment:
BDO-issued QR Ph code: Checking, Savings and Basic Account, Credit Card
Other merchant's QR Ph code: Checking, Savings and Basic Account
