You can link up to a total of 40 accounts. This is how many you can link per account type:

• Basic Account – One (1) linked account
• Savings or Checking Account – up to 20 accounts
• Credit Cards – up to 20 cards

BDO Savings and Checking Accounts, Debit Cards, primary, supplementary and virtual Credit Cards can be linked to the BDO Pay app. You can also link one BDO Basic/Pay Account.

Cash Cards cannot be linked to the BDO Pay app. 

Make sure to activate your new credit card only when you’ve already received the physical card.

You have several options to activate your BDO Credit Card:

Via Accounts:

1. On the BDO Pay app, tap Accounts and go to your inactive credit card 
2. Tap Activate Card
3. You will then be redirected to the Credit Card Activation - Home (bdo.com.ph) page

Via More menu:

1. On the BDO Pay app, tap More
2. Tap Activate Card under Manage Accounts and Login 
3. You will then be redirected to the Credit Card Activation - Home (bdo.com.ph) page

The BDO accounts and cards that appear on your BDO Pay app are the ones you linked when you signed up.

If you have a new BDO account that you’d like to add, here’s how to do it:

1. Tap Accounts
2. Tap the icon at the upper right of the screen 
3. Select which accounts you want to link to the app 
4. Tap Update to save your changes

Remember that only BDO Savings and Checking Accounts, Debit Cards, Principal Credit Cards, and one Basic Account can be linked to the BDO Pay app.

All your BDO accounts and cards automatically appear in your Link/Unlink Account screen. You simply have to select which ones you want to use on BDO Pay.

If an account still doesn’t appear even if it’s been more than 48 hours since you’ve opened it, please call the BDO Contact Center at any of these numbers:

Metro Manila:

(+632) 8631-8000

Domestic Toll-Free Numbers:

1800-10-631-8000 (PLDT)

1800-3-631-8000 (Digitel)

1800-5-631-8000 (Bayantel)

1800-8-631-8000 (Globelines)

International Toll-Free Numbers:

IAC +800-8-631-8000

Yes, you can change your default account on BDO Pay even after you sign up. Just follow these steps:

1. Tap Accounts
2. Tap the icon at the upper right of the screen 
3. Select which accounts you want to set as your Default Payment Account and Default Receiving Account
4. Tap Update to save your changes 

No, you can only set one (1) Default Payment Account and one (1) Default Receiving Account. 

If you set your Credit Card as your default account, you will be able to use it to Scan to Pay in BDO Partner Merchants, but not to Send or Receive Money. Money received will go to the nominated default receiving account. 

If you don’t have a Checking or Savings account linked, the transaction will not push through.

No, you can only link your BDO Savings Account, Checking Account, Basic Account, and BDO Credit Cards to BDO Pay.

Yes, just follow these steps to add your Joint OR account or other own accounts: 

1. Once you're logged in, tap More, then Manage Accounts
2. Tap Add Own Account, then choose the account type (Checking account or Savings account) 
3. Fill out the required details, then tap Add

To remove an account from the BDO Pay app, all you have to do is unlink it. 

Here’s how to unlink an account from the BDO Pay app:

1. Tap Accounts
2. Tap the icon at the upper right of the screen
3. Select which accounts you want to link to the app
4. Tap Update to save your changes

If you’d like to reactivate a BDO Savings or Checking Account, please visit your BDO branch of account.

If you’d like to reactivate a Basic Account, simply cash in.

Yes, all source accounts (BDO Savings, Checking, Basic Account) including BDO Credit Card* can be used when scanning QR Ph codes.  

*BDO Credit Card can be used to scan a merchant's BDO-issued QR Ph code. 
 

Yes, QR Ph codes generated by individuals can be scanned.This will be treated as a Send Money transaction and will have corresponding fees if they are non-BDO users.  

For now, only BDO Savings, Checking, and Basic Accounts can be used to scan other merchants’ QR Ph codes.  
However, all source accounts including BDO Credit Card can be used to scan the merchants’ BDO-issued QR Ph codes.

None! There are no charges for scanning any official merchant QR Ph code, even those from other providers. Enjoy in-store payments under QR Ph for FREE using the app.  

Yes, the daily limit is combined for all source accounts.

Yes, your payments will be reflected in real-time.  

Please ask the cashier to void the transaction or get in touch with the QR Ph code provider.

Check from the list below what message you're getting, what it means, and what steps you can take to fix this. 

• Notification: For your security, we've logged you out due to inactivity. Log in again to continue. 
  • What you should do: Log in to your BDO Pay app again and re-scan the QR code. 
     
• Notification: You need an active BDO Savings, Checking, or Pay Account to do this. If you have any of these accounts, link them by going to More > Link/Unlink Accounts. You can also open an account here.
  • What you should do: Link an active BDO Savings, Checking, or Pay Account before trying again. You also have the option to open a new account that you can link to the app once activated.
     
• Notification: Your account is inactive. To continue using BDO Pay, go to your BDO branch of account to reactivate it. 
  • What you should do: If your account is a BDO Savings or Checking Account, visit your BDO branch of account to reactivate. 
     
• Notification: Account inactive. Cash in to reactivate, then try again.
  • What you should do: If you have a BDO Basic Account, simply cash in at any BDO Cash Deposit Machine to reactivate. 
     
• Notification: This account's balance isn't enough for this transaction. Cash in or select another account, then try again. 
  • What you should do: Choose another account linked to your BDO Pay app, or cash in to complete the transaction. 
     
• Notification: There have been too many attempts to log in with your fingerprint. For your security, please log in with your Passkey. 
  • What you should do: Log in with your Passkey to continue your transaction. 
     
• Notification: For your security, your account has been temporarily locked. Unlock it by resetting your Passkey. Tap Forgot Passkey? 
  • What you should do: Tap Forgot Passkey? and follow the steps to reset it.  
    
    
• Notification: Is your internet connection OK? Check and try again.
  • What you should do: Double-check if your mobile data is on or if you're properly connected to WiFi, then re-scan the QR code. 
     
• Notification: Transaction interrupted. Check your balance before trying again. If the amount has already been deducted, check your email for transaction confirmation. 
  • What you should do: Check your account balance and your email to see if the transaction when through to avoid being charged twice. If your balance did not change and no confirmation email was received, try again.

Ask the cashier to call their QR Ph provider’s hotline.

Check if your camera lens is dirty or if there is something blocking a portion of the QR code, then try again.

If you are shopping in-store and have trouble scanning a cashier-generated QR code, just ask the cashier to generate a new one. If you’re having trouble scanning the generic displayed QR code and no other QR payment options are available, please inform the merchant that there is a problem with their displayed QR code. Please use a different payment option in the meantime.   

You can pay your bills by following these easy steps:

1. Tap Pay Bills or go to Pay & Request > Pay Bills
2. Search for your biller or choose from the categories
3.  Enter your billing details and the amount to be paid 
4. Review, confirm, and authorize the transaction

Save your favorite billers to make future payments easier. Just tap Favorite on your transaction success screen. Your Saved Billers will be at the top of the list when you open Pay Bills again.

With BDO Pay, you can pay your bills for utilities, internet, cable, phone, credit cards, insurance, investments, loans, and even tuition! 

Yes, you can use the BDO Pay app to pay for bills beyond the due date if your billers allow it in their policies. They may also charge you a late payment fee. 
Please double-check with your biller.  

If your payment is successful, you will get an in-app transaction receipt and an email. You can also check your Transaction History.   

Your payment will reflect in the biller’s account within three (3) banking days.   

You get an email and in-app transaction receipt, but official receipts have to be requested directly from the biller.  

Yes, you can pay for multiple accounts under one biller. You can also save each of the account as a Favorite to make future payments easier. 

Please make sure you are checking the email address linked to your BDO Online Banking and BDO Pay app.

If you're sure you have the right email address, check your spam folder, or if you have applied any filters that might keep you from seeing the message. If you still cannot find your transaction receipt and email, please send an email to callcenter@bdo.com.ph.  

You can save up to fifty (50) Favorites.

No, you have to create a unique nickname for each Saved Biller.  

If you entered the wrong amount or entered the wrong bill details, please reach out to the customer service of the biller.  

No, you cannot cancel a Request Money transaction after it has been made. Please coordinate directly with the BDO Pay user you requested from instead.  

You can Request Money from only one person per transaction, but you can send multiple requests to the same person. You don’t have to wait for a response to your request before making another one.   

If you need to Request Money from more than one person at the same time, use Split Bill instead.   

No. Currently, you can only Request Money from BDO Pay users who are in your phone’s contact list.  

You can Receive Money from any BDO account, except BDO Credit Cards and Cash Cards.  

No, you can only receive money through a BDO Savings, Checking, or Pay Account. If you only have a BDO Credit Card linked to BDO Pay, the Request Money transaction will not push through.  

Yes, it is possible to split a bill with just one other person.  

You can Split Bill with any BDO Account, except BDO Credit Cards and Cash Cards.  
  

No, you cannot cancel a Split Bill request after it has been made. Please coordinate directly with the other BDO Pay users you split the bill with instead.  

Yes, but you can save frequent recipients as a favorite to make future Buy Load transactions easier. After your first Buy Load transaction, do these steps to save a contact as a Favorite:

1. On the success screen of your Buy Load transaction, tap Favorite at the lower right corner (beside Save Image and Share)
2. Enter your preferred Favorite nickname, then tap Save
3. Get an acknowledgement that you have saved a contact as a favorite

For your next Buy Load transaction, you can just select them from your Favorites.

You can save up to fifty (50) favorites.

To edit the details of your saved mobile number, just follow these steps:

1. Once you’re logged in, tap More
2. Under Manage Favorites, tap Buy Load
3. Choose the mobile number you wish to update, then tap the pencil icon
4. Enter the new details, then tap Save

You will get a confirmation once the updated details were successfully saved.

To delete a mobile number from your favorites, just follow these steps:

1. Once you’re logged in, tap More
2. Under Manage Favorites, tap Buy Load
3. Choose the mobile number you would like to delete, then tap the trash bin icon
4. Tap Delete to confirm this action

None. The Buy Load service is free!

You will get in-app and email notifications if your Buy Load transaction is successful. The recipient of the load will also receive an SMS confirmation from the network provider.

You can also check your transaction history to confirm if the Buy Load was successful.