Limits and Fees

Scan to Pay

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
Scan to Pay		Daily transaction limit for BDO Savings or Checking Account: ₱50,000 Transaction Limit for BDO Credit Card: Available Credit Limit Minimum transaction amount: ₱1	Free	Real-time debit for every successful payment

REMINDER
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

Send Money to Any BDO Account

Transaction	Limit	Transaction Fee	Availability of Funds
Send Money to Any BDO Account	Daily transaction limit: ₱500,000 Minimum transaction amount: ₱1	Free	Real-time credit
Send Money to Any BDO Account	Daily transaction limit: ₱50,000 Minimum transaction amount: ₱100	Free	Real-time credit
Send Money to Any BDO Account (Same Foreign Currency)	Daily transaction limit: • USD to USD 4,000 • AUD to AUD 6,000 • CAD to CAD 5,000 • CNY to CNY 28,000 • EUR to EUR 4,000 • GBP to GBP 3,000 • HKD to HKD 28,000 • JPY to JPY 565,000 • SGD to SGD 5,000 • BND to BND 6,000 • KRW to KRW 5,306,000 Minimum transaction amount: [Currency]1	Free	Real-time credit

REMINDER: Exchange rate will be the published rate in the BDO website. Click here to view Foreign Exchange.

Send Money to Other Local Banks and Wallets via InstaPay

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
Send Money to Other Banks and Wallets via InstaPay		Daily transaction limit: ₱50,000 Minimum transaction amount: ₱100	₱10	Real-time credit
		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 to Other Local Banks and Wallets via PESONet

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
Send Money to Other Local Banks and Wallets via PESONet		Daily transaction limit: PHP 500,000 Minimum transaction amount: PHP 100	PHP 50	Transactions made on or before 3:00 PM will be processed within the day, while transactions made after 3:00 PM, on weekends, and holidays will be processed on the next banking day.

Send Money to Own BDO Account (USD to PHP)

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
Send Money to Own BDO Account (USD to PHP)		Daily transaction limit: USD 5,000 Minimum transaction amount: USD 1	USD 1	Real-time credit

REMINDER: Exchange rate will be the published rate in the BDO website. Click here to view Foreign Exchange.

Send Money to Enrolled 3rd Party (Same Currency)

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
Send Money to Enrolled 3rd Party (Same Currency)		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

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
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: Beneficiary Bank Charges - 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.

* These are the fees of the intermediary/beneficiary bank and not of BDO.

*Fees of the correspondent/intermediary/beneficiary may change without prior notice.

Send Money for Cash Pick-up at Any BDO Branch/Partner

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
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		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.

Collection and Return of Fees

Scenario	Handling of Fees
Successful Transactions	Subject to Fees
Rejected Transactions	Subject to Fees if error is caused by sender or if the beneficiary account has restrictions (ex. Dormant, Closed, With Restrictions)
Erroneous Transactions	Subject to Fees if error is caused by the sender
Time-Out and Unauthorized Transactions	Subject to Fees based on investigation results
Multiple Debit Transactions	Only one valid transaction is subject to fees

Pay Bills

Transaction	Platform	Limit	Transaction Fee	Payment Posting Date
Pay Bills		Daily transaction limit: Varies per biller Minimum transaction amount: Varies per biller	Free	Refer to reminders below
		Daily transaction limit: 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 10 PM cut-off for same-day Pay Bills settlement. Transactions done after the cut-off are considered next banking day transactions.*

*Pay Bills transactions for some billers are only accepted until 10PM. Transactions made after the cut-off time will be rejected.

Buy Load

Transaction	Platform	Limit	Transaction Fee	Load Crediting
Buy Load for any network		Daily transaction limit: ₱2,000 Minimum transaction amount: Varies per network provider (with pre-defined list of denomination)	Free	Real-time credit
		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

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
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.

Deposit Money via QR Code

Transaction	Platform	Limit	Transaction Fee	Availability of Funds
Deposit Money via QR-enabled BDO Universal Teller Machines (UTMs)		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.