Smiles Mobile Remittance vs BDO Online

Send money from Japan, Singapore, the USA, and Canada to the world in real-time with Smiles — the award-winning and Japan’s NUMBER ONE* rated mobile money transfer service. Whether you're sending PHP to the Philippines, VND to Vietnam, or INR to India, Smiles ensures your hard-earned money goes further. Our team monitors rates 24/7 so you can access our “Everyday Great Rate” and support your loved ones with more value for every transfer. WHY CHOOSE SMILES? ・Award-winning mobile app: Register and send money overseas easily on an interface that won the prestigious Good Design Award 2021. ・Friendly, multilingual support: Have a question? Our localized customer support team speaks your language (English, Tagalog, Vietnamese, Indonesian, and more) to ensure you always feel at ease. ・Designed by expats for expats: Our global team understands the journey of living abroad. We built Smiles to fit your international lifestyle, making global finance feel local. ・Secure & trustworthy: Rest easy knowing your transactions are protected by an advanced, AI-driven eKYC verification system. We are also fully compliant with federal and regional financial regulations ・Zero-fee with points: We value your loyalty. Earn Smiles Points every time you send money and use them to cover your remittance fee. EXCLUSIVE BONUS SERVICES ・Smiles Connect (Japan only): A dedicated SIM and eSIM service designed for residents in Japan. Order and manage your mobile plan and your remittances all in one app. ・Bills Payment: A specialized feature for overseas Filipinos to invest and pay bills directly back home. REGULATORY & COMPLIANCE INFORMATION Smiles Mobile Remittance is a licensed service provided by Digital Wallet Corporation and its global subsidiaries. ・Japan: Licensed by the Kanto Local Finance Bureau (License No. 00044). ・Singapore: Regulated by the Monetary Authority of Singapore (MAS). ・Canada: Fully registered and compliant with FINTRAC regulations. ・USA: FinCEN registered with NMLS ID No. 2320469. Service availability, exchange rates, and fees may vary based on the transaction amount, destination country, and payout partner. Smiles utilizes bank-grade encryption to ensure your data and funds are always protected. READY TO JOIN THE SMILES COMMUNITY? Let’s “Share Smiles” — download and register in minutes today! Visit www.smileswallet.com to learn more. *Based on a 2021 survey of Filipino users in Japan regarding remittance service preferences.

View and manage your BDO accounts with the BDO Online app and enjoy features that let you: - Secure your cards real-time using lock or unlock card, disable overseas debit card transactions, and set your debit card limits - Schedule your one-time or recurring transactions for Pay Bills, Send Money, or Buy Load - Send Money in more ways - even in foreign currencies - Book a Branch Appointment for a more convenient visit - Confirm transactions using biometrics or Passcode If you're having trouble logging in, just follow these steps and create a new password for the BDO Online app. Step 1 On the log in screen, tap Need help logging in? > I'd like to reset my password. Step 2 Set up your new password. Step 3 Log in with your BDO Online username and new password. Your new password will also reflect in the BDO Online website and the BDO Pay app.