# BDO Digital Banking — user reviews > 53 indexed App Store user reviews of BDO Digital Banking by Banco De Oro Unibank, Inc., rated 1.53/5 from 555 ratings. - Source: https://appshunter.io/ios/app/bdo-digital-banking/id673015230/reviews - App overview in markdown: https://appshunter.io/ios/app/bdo-digital-banking/id673015230.md - Rating breakdown: 5★ 36 · 4★ 23 · 3★ 22 · 2★ 35 · 1★ 439 ## What do users think of BDO Digital Banking? Overall sentiment: negative **Pros** - ✅ Improved app performance in recent updates - 🎨 Clean and modern user interface design - 📱 Convenient mobile banking access for overseas users - 💳 Support for multiple banking functions (transfers, balance inquiry, bill payments) - 🔐 Biometric login options available **Cons** - 🐛 Persistent login failures and error messages - ❌ Incompatibility with iOS updates (iOS 14, iOS 15) - 🌐 Poor connectivity and connection errors - 🔒 Overseas accessibility issues for international users - ⏱️ Slow app performance and frequent freezing - 🚫 Account lockouts after multiple login attempts - 📵 Inconsistent OTP delivery and reception - 🔄 Automatic logout without warning - ⚠️ Confusing dual app system (BDO Online vs BDO Digital Banking) - 🔐 Mandatory password changes every 2 weeks - 📞 Poor customer support responsiveness - 🚫 Limited functionality for large transfers (>P50k requires in-person) - 🎯 Jailbreak detection false positives **Commonly reported bugs** - Login screen freezes or shows loading circle indefinitely - Transaction not allowed error after app updates - Device enrollment screen stuck after enrollment - Fingerprint login not working or resetting after logout - OTP generator auto-reactivates after being disabled - Location verification causing transaction errors - App crashes immediately upon opening - Slow connection and frequent freezing - Money transfer not received despite debit from account - Incompatibility with new iPhone models - App thinks phone is jailbroken when it isn't - Toggle buttons cut off in UI - Billers with same company name not differentiated - Font size too large or too small in different versions - Password reset not syncing between app and website **Most requested features** - Copy and paste functionality for account numbers and amounts - Support for iOS 15 and future iOS versions - Larger font sizes for better readability - Extended transaction history display (more than 10 transactions) - 24/7 chat support for customer service - Better UI scaling for larger iPhone screens - Debit card lock/unlock feature in security management - Improved social media customer service channels - Ability to view more transaction details - Unified single app instead of dual app system ## Newest reviews (18 of 53) ### 1/5 — The Worst Mobile Banking App! *2022-07-21, version 6.1.0* This BDO Online Banking App is definitely one of the worst mobile banking app I have ever come acrossed with. They’re consistently down and out each and every time and worst of all is they do not bother to inform their customers about it. There is no way to know what is happening because they do not have any social accounts catering to customer service and if they do it is crap! They have a Facebook and Facebook Messenger that is soo detached and way too robotic and so not user friendly that it is impossible to get help not unless you email or call which definitely could take forever! It’s so useless really this app. BDO what is going on with you? Wake up BDO. ### 1/5 — is this an official App? *2022-06-14, version 6.1.0* How can I be sure that the BDO Digital Banking app I am about to download is the official version? To ensure that you’re downloading the legitimate app, double-check that the name appearing under the app thumbnail is BDO Unibank, Inc. This tells you that the app you’re about to download is the official one developed by BDO Unibank, Inc. Any other developer name is an unauthorized version. ### 1/5 — WORST ONLINE BANKING APP *2022-05-17, version 5.9.1* I was able to do online banking before with no problem encountered. But one day, they require me to change password and update my credentials. For me, to be able to use online Banking again, I oblige to their requirement, but after I finished updating everything, I received an email stating that it was a successful update, then, I received another email which informs me that my request for BDO personal online Banking UNENROLLMENT has been approved which I never made such request. I made an attempt to contact BDO CS, but I was dismayed to know that I have to start all over again by submitting several requirements which is almost impossible to complete since I’m based abroad. I’m thinking about completely closing my account when I get back. ### 1/5 — Account locked due to need to change password *2022-04-30, version 5.9.1* Lousy Stupid thing that I need to change my log in password every 2 weeks Who does that!!!!! And I’m using face unlocked!!! Do I need to change my face every 2 weeks!!!!!! ### 1/5 — not working *2021-11-10, version 5.9.1* I don’t understand whats the f problem of this app, a year ago i was trying to use bdo mobile banking but it never works for me. Now I have a new card and trying to use a mobile banking stil not f working just close this app its the worst app ### 2/5 — IOS15 *2021-09-26, version 5.9* Please prepare to support IOS 15 so international customers do not go through the pain of not able to access their account similar to previous IOS 14 switch. IOS 15 is coming soon ### 1/5 — It just doesn’t work. *2021-09-15, version 5.9* Every time I try to login, it just doesn’t do anything. I put in the login information, then a little loading circle pops up, and then the login information disappears and I’m still in the same screen. I’ve uninstalled and reinstalled the app twice now, with the same result; I enroll, it says it’s successful, but I’m stuck in that “device enrolled” screen or whatever it is, so I force close the app. Try logging in, and once again nothing. Hot garbage would be a polite description for what is fundamentally, and unforgivably, a complete failure at every level. It does nothing but cause frustration, and waste time. BDO… hire people that actually know how to make a decent, user-friendly online banking system and website that doesn’t look like it came from 2009, and FIX YOUR APP!!! ### 1/5 — BDO Mobile app ver 5.9 Bugs *2021-06-12, version 5.9* Please help fix the BDO mobile app. 1. Login option fingerprint not working and if the user deactivate the login option it will keep on asking to reenable again once you login in the BDO mobile app. 2. If the user decided to deactivate the OTP generator setting it will reactivate again automatically once you login in the BDO mobile app. 3. Missing Security management feature to Lock/unlock debit card. ### 1/5 — Don’t even bother *2021-02-12, version 5.8.1* The worst banking app i’ve ever downloaded. For a company that’s considered as the largest bank in the PH, you’d think their service is atleast adequate since they cater to MILLIONS of customers. But sadly it aint the case. Initially, it worked fine the first few times even if it had a crappy user interface, but now it stopped working altogether and won’t let me log in anymore. Checked the last time they updated and it was literally months ago. Really BDO? This crap is so half-baked that it makes me wonder why you even launched it in the first place. ### 1/5 — Worst banking ap! *2021-01-25, version 5.8.1* This is the worst banking ap I ever used. Once I create password and user name it’s only good for 2 weeks then I’m forced to “update” my information. The app tells me I can’t log into my bank unless I update to latest version yet I already have the latest version and there’s no way to update it. This app is a huge headache and it’s extremely frustrating having to change my passwords every couple weeks. If you choose to use face scan or fingerprint to log in it won’t let you save your option, it gets deleted every time you login. When I call customer support to ask why I can’t access my account they tell me to delete the ap and re-download but it never works. I have to re-set my entire account and create a whole new account that is only valid for 3-14 days before BDO decides to lock me out again. Terrible banking experience! ### 1/5 — Fingerprint Not Working *2020-12-09, version 5.8.1* Tired of BDO app. There is always something not working and causing so much hassles! Other bank apps do not lock account but BDO does the third attempt you mistakenly put incorrect password. They would ‘torture’ you with back and forth correspondence for months before they finally fix it. Then now their fingerprint does not work while other banks’ fingerprints work easily and quickly! Ugh! ### 1/5 — Been months cant log in *2020-11-28, version 5.8.1* Ive been trying to log in. Since the IOS update I cant use the BDO APP. Every time I try to log in it will ask me for the OTP that I NEVER RECEIVED. Emailed them but no help. Trying to call them but cant get through. Its been months Ive been trying to log in in the app but failed. ### 1/5 — iOS 14 compatible but won’t work *2020-10-20, version 5.8.1* You say you guys have updated to be compatible to iOS 14, but the problem is that you can’t even log in cause it gives you an error of system down. I’ve uninstalled and reinstalled it several times and still no luck in logging in unless you log in via desktop or laptop. Who has time to stay put and use a laptop nowadays? Everybody is on the go with their phones. I never had problems before with the app. I’ve always used it for YEARS. And now I can’t even log in. Please resolve this issue it’s really bothersome. I don’t wanna be lugging around my laptop with me everywhere I go just to be able to log into my account🤦🏻‍♀️ That is why there is the app.🤨 ### 1/5 — Log in error *2020-10-02, version 5.8.1* Dear BDO, Kindly update your system as i noticed every month after i remit in my account and needs to check if it’s updated or not it’s always hard to open it even though my connection is good enough! I got always delay on my payments because everyday i need to check if i can now log in in your apps! Is it seasonal to log in? ### 1/5 — Crappy *2020-09-30, version 5.8.1* App does not work. BDO needs to hire a good fintech guy, and fire the one they have right now, if they even have one. Can’t believe simple tasks like transferring funds >P50k to another bank still have have to be done in person at the branch. Even when it did work prior to the iOS update, functionalities were extremely limited. Take a cue from UnionBank pls. ### 2/5 — Won’t work with ios14 *2020-09-28, version 5.8.1* Can’t open the app after updating to iOS 14 but the weirdest thing is telling you that the app won’t work in a jailbroken cellphone. BDO needs to invest more in their app. No wonder there are far more non favorable reviews. Need I say more? Just read the other reviews. ### 1/5 — BDO cannot be trusted *2020-09-24, version 5.8.0* This app deserves zero stars. Do not trust a bank that is owned by a mall. BDO hasn’t updated their app for ten months, and now that iOS14 is out, the app thinks your phone is jailbroken. This can only mean that BDO is so cheap that they can’t even hire proper coders to fix their online services. You will lose your money, don’t risk using this app. Switch over to a reliable and trusted bank. ### 1/5 — app was previously problematic but necessary, now doesn’t work at all *2020-09-20, version 5.8.0* the app has always been particularly buggy and snail paced, but a necessary burden because of BDO’s network. support for the app seems nonexistent considering that ten months have gone without a single update to the app at all. with the migration to iOS14, the app has stopped working completely. ## Most critical reviews (10 lowest-rated) ### 1/5 — Total Disappointment: BDO App is a Complete Waste of Time and Effort. *2023-05-09* BDO online banking is one of the most disappointing apps I have ever used. I downloaded the app with high hopes of conveniently accessing my bank account while in the US, but I have never been able to sign in successfully since I downloaded it. Every time I try the app just keeps giving me error messages, which is extremely frustrating. It's unbelievable that BDO, being one of the biggest banks in the Philippines, has such a terrible online banking service. The app is a piece of garbage and useless. I have tried everything, from resetting my password to reinstalling the app, but nothing seems to work It's as if the developers didn't even bother testing it before releasing it to the public. I cannot believe that a bank of such magnitude cannot provide a decent online banking experience. It's a complete waste of time, and I wouldn't recommend it to anyone. I will be closing my account with BDO and moving to a bank with a better online banking system. ### 1/5 — Worse app if you live abroad. *2023-04-28* BDO is the worse banking app I have ever used especially if you live abroad outside the Philippines and need access to my funds to pay for bills on my property in the Philippines, and to send money for medical emergencies. There is zero BDO branch here in the US to go to, no ATM as well. I just upgraded my 6 year old iPhone, now the app stopped working on both the old and new phone!!! I’m screwed. BDO please hire better app programmers and developers. You should not play with people’s access to their saving account using this app. ### 1/5 — Worse Online Banking service *2023-03-14* As the title said, yes this the worst online banking service ever. I opened this account due to overseas transactions as I am not based in the PH, the app doesn’t allow me to access my own account, and on the website, if ever you send/transfer money they will send you a text message that YOU HAVE TO REPLY TO, to be able to get an OTP, which defeats the purpose if you are overseas because of course we don’t carry PH simcards. So yea, runaway from this sht show of a bank. Don’t ever make the same mistake as I did. ### 1/5 — Transaction Not Allowed… WTH BDO!! *2022-10-26, version 6.2.0* UPDATE - BDO has 2 apps, BDO Online and this BDO Digital Banking. I contacted them about this. They said that BDO online app is the new and improved version of the BDO digital banking. I don’t understand why they have 2 apps. This just causes so much confusion. Anyway, I tried BDO Online app and I am now able to do banking transactions using my phone. I just have to reset my password. Caution - password for BDO online app will not reflect on the BDO website, so you have to maintain 2 passwords. Again, why? Anyway, at least I am now able to manage my account with my phone. Hope this helps. I live in the US and I rely on this app so much to manage my account. Although it needs a lot of improvement, it was working fine for me before the 7/27 update. Now, I cannot even login. It’s always giving me “transaction not allowed” error. BDO rep said to change my phones date/time setting to automatic. My phone has always been set up that way. So no … that is not the fix for the error!! For now, I am just using the website to access my account. BDO, PLEASE FIX YOUR APP!!! Is someone even looking at the complaints posted by your customers??? And please… do not implement any updates unless you have fully tested them!! So frustrating!! ### 1/5 — It’s a crap app *2022-10-05, version 6.2.0* I had no issues at all with BDO app for the past 5 years, and it was one of the most efficient apps I’m using especially when I’m out of the country, until it’s recent update. I have not been able to log in since July. I have already coordinated with BDO hotline many times but they were no help at all. Every time I re-install the app, I will log in and it will ask for location verification and then the error will pop out “This transaction is not allowed” ### 1/5 — Totally useless app *2022-10-03, version 6.2.0* So hard to log in. When you click on it, it will not give any clue what it needs, then moments later you will receive several OTP codes in succession. I tried one, then the app just shuts down and you have to start all over again. Crappy app! ### 1/5 — Worst banking app anywhere! *2022-09-24, version 6.2.0* I’ve been using them for over 10 years and I always think they can’t gay any worse but never underestimate BDO when it come to making thing difficult for the customers and not giving access to your money. The only ways BDO finds is how to keep the customers from accessing their accounts and their money. ### 1/5 — Largest bank in PH *2022-08-11, version 6.2.0* What happened BDO? “Largest bank in the Philippines” and you can’t provide a well functioning mobile banking app? It was working fine until a few weeks back I can no longer log-in. My device time and date settings are fine so I’m sure that is not the issue. I have been using this app for a while now I guess it’s time to check out other banks. ### 1/5 — Invest in technology *2022-08-02, version 6.2.0* I think it's time for BDO to invest in technology. BDO app is the worst banking app ever created. Nothing seems right, it is not even tested properly before deploying to production. There is an error evey time you login.. How can you expect someone to use this app when the login process is not even working.. 😒 ### 1/5 — Terrible Banking App *2022-07-24, version 6.1.0* This is already a horrible mobile banking app, yet you've still managed to replace it with an even worse app. But at least this one works. To disable this without making sure the replacement is above its quality is horrendous business decision. Your CTO should resign. ## Most praised reviews (10 highest-rated) ### 5/5 — greatly improved *2021-06-11, version 5.9* While i do mind the fees The app is way better than it was. Thanks bdo. ### 5/5 — Finally working properly! *2020-09-28, version 5.8.1* Wow, it was a long time coming but it seems that all the issues I’ve had with their old app have been fixed! Alleluia! Now works with iOS 14, Instapay transfers no longer have the P100 charge (even if it was already waived if you used their web site), using existing transfer templates no longer asks for even more information, etc. All around a great update. Thank you! ### 5/5 — it works good but if they can add more features it’ll be awesome *2020-03-29, version 5.8.0* I’m using my BDO APP here in the USA and I loved it. I was able to see my 10 prior transactions (hope I can see more though), easy to log in, balance inquiry, transfer funds and buy prepaid load, and it’s so convenient to use and make my banking easier for me. The one thing that I have a bit of trouble with, is when they want me to update my online password because I have to log in to my online banking which is really a hassle sometimes. other than that I LOved it!!! ### 4/5 — No copy and paste function, hard to use for online payments. *2020-03-14, version 5.8.0* The reason you want a mobile app is so you can do online payments and transfers without having to go to the bank. But what good is that if you can’t copy and paste account numbers and payment amounts from another app and paste it here? The functionality is just not there. Did the people who made this app totally forget about copy and paste? They expect you to type it manually which for the life of me I don’t understand why—it’s so prone to errors! It’s a major hurdle for me, and for those who do a lot of online payments. You can’t make a transfer fast and have to put it off until there’s absolutely no distractions kasi baka magkamali. It’s very simple to add this function, i hope it can be done! ### 4/5 — Needs to be updated for large screens for iOS *2018-10-06, version 5.2.0* The app needs to be update for iPhone 6 onwards because it’s too small ### 4/5 — Improved a bit *2017-10-30, version 5.0.1* Fingerprint does not work in the most recent update. Not sure who designed the UI, feels like too cramped. Perhaps reducing the font size and other object sizes will improve the mobile phone’s screen estate. Color palette is nice though. UPDATE 5.0.1: The UI was improved and the fingerprint issue worked fine. ### 4/5 — Clean UI *2017-10-21, version 5.0* I like the new user interface. I find it cleaner than the previous version. The navigation is more efficient. There are however a few kinks in the UI like the toggle buttons are cut off. ### 3/5 — It won’t work when you really need it *2020-07-10, version 5.8.0* Sometime it’s bit bugy and you can’t login which is frustrating like right i needed to transfer money to my relative ### 3/5 — APP KEEPS CRASHING *2019-12-07, version 5.8.0* I have used this app for transactions like money transfer and checking of my balance.. but it just suddenly crashed. I can no longer log in to my acct cos as soon as I open the app it closes.. How can I make this work again, I try logging in using the web but they require the OTP which is sent to a mobile number that I am no longer using. There is no way I can retrieve the OTP cos i need to update my phone number.. Please help me what to do. This app is very helpful to me.. OFW here thank you.. ### 3/5 — Font is too big *2017-10-21, version 5.0* Please make the font just ok to fit the screen, i find it to big. I hope it could have the same font as the other previous one. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*