Smiles Mobile Remittance vs BDO Pay

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.

No fees on ALL transactions. No cash-in needed. No hassle. BDO Pay Mo Na! Pay directly from your BDO Bank Account or Credit Card and enjoy a seamless payment experience with BDO Pay. More reasons to love BDO Pay • Manage your BDO Credit Card and explore available Installment Offers. • View and redeem Rewards Points anytime, anywhere. • Enjoy exclusive BDO Deals and Promos for BDO Debit and Credit Cardholders. • Withdraw for free at any QR-enabled BDO ATM nationwide. • Lock or unlock your BDO Debit or Credit Card and manage limits with ease. • Open a Basic Account with no initial deposit and no maintaining balance required. BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: https://www.bsp.gov.ph. For inquiries and concerns, please reach us through https://www.bdo.com.ph/consumer-assistance. Deposits are insured by PDIC up to P1 Million per depositor. The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.