bank account

Turn shared moments into cash rewards. Make your hang out with friends more fun and rewarding with BDO Pay’s Refer a Friend Promo.

With BDO Pay, handling daily transactions is now simpler, faster, and more rewarding. You can settle bills, split group payments, and send money right from your phone in seconds.

And now, you can also earn cash rewards of up to ₱1,000 per month together with your family and friends through BDO Pay’s Refer a Friend Promo.

Sharing made rewarding

If you’re already a BDO Pay user, you can invite your friends and family with BDO accounts to download the app using your Referral Code until June 30, 2026

Turn referrals into cash in 3 easy steps:

Open your BDO Pay app, click “More” and then the “Refer a Friend” icon
Click the copy button or “Invite Friends” to share the referral code
Select which messaging app to use to share the Referral Code

After the referred client receives the Referral Code, he/she can download and sign up for BDO Pay, and then input the Referral Code to complete the sign-up process.

When they register and enter your code, both of you receive ₱50 cash credits—a simple bonus that quickly adds up when shared with the people you spend time with every day.

Beyond referrals, BDO Pay keeps everyday payments more convenient. You can Scan QR to pay merchants directly from your BDO credit card or bank account, split group bills down to the centavo, pay bills to over 2,100 billers with no fees, and send money to other BDO accounts for free or to other banks and digital wallets for only ₱10.

For BDO credit card holders, the app provides an extra layer of safety. Lock and unlock your credit card instantly, manage credit card services, explore installment offers, and continue earning rewards points from your purchases. Through BDO Pay, you can also access exclusive BDO Deals, redeem Rewards Peso Points for e-gifts, or convert points to pay your bill.

Even without a BDO account, you can start using the app by opening a BDO Basic Account with no initial deposit or maintaining balance.

Ready to enjoy and share the rewards? Download BDO Pay today on the App Store (iOS), Google Play Store (Android), or Huawei AppGallery (HarmonyOS).

Adulting made easy. Open a BDO Basic Account in minutes with just your phone and ID—no need for an initial deposit.

Opening an account shouldn’t feel like another task on your endless to-do list. Between deadlines and side hustles, nobody’s got time for long lines or complicated forms. That’s why BDO Unibank (BDO) offers the Basic Account, a quick and simple way to start banking right from your phone.

Ready when you are

With just a valid passport and the BDO Pay app, you can set up your Basic Account in minutes—no initial deposit, no maintaining balance required. All you need is your smartphone, so you can literally open an account between classes, after work, or while waiting for coffee. Other government-issued IDs are also accepted, with approval typically completed within one day.

Once it’s approved, you’re good to go. Pay Bills, Send Money, Scan to Pay at partner merchants, or Split Bill with friends using BDO Pay—all directly from your Basic Account.

Every transaction links straight to your account, making it easy to track your spending. It’s perfect for students and young professionals learning to budget without the hassle. No extra steps, no need to cash in or transfer funds between digital wallets.

Easy, simple and secure access you can rely on

Your Basic Account is made for everyday life—reliable, consistent, and easy to count on. It’s built to support your daily needs as they grow and change.

For added convenience, you can get a physical BDO Pay card and withdraw cash for free at BDO ATMs anytime, giving you dependable access to your funds whenever you need them.

And because the Basic Account is powered by BDO Unibank, you have the assurance of strong security and a nationwide branch network whenever you need in-person support.

Ready to make banking the simplest part of your day? Download the BDO Pay app and open your Basic Account now.

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Your next cash reward is just a ‘share’ away

Your first BDO account in minutes? Yes, it’s possible!