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.
