Comparison

RCBC Pulz vs BDO Online

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

RCBC Pulz

Manage all your bank accounts, cards, and loans from a single, modern interface. Perform transactions, open new accounts, and track spending with ease. Offers financial literacy resources and investment opportunities.

Highlights
  • Unified account view
  • Hassle-free transactions
  • Open accounts remotely
  • Transaction history tracking
  • QR code payments
  • Cardless ATM withdrawals
  • In-app investments
Features
Read full description

YOUR PULZ EXPERIENCE, MADE PERSONAL Meet the refreshed RCBC Pulz, your digital banking app for everyday banking. Enjoy a new, more personal experience for sending money online, managing your cards, growing your savings, and more. BECOME A HEXAGON CLUB MEMBER ONLINE Enjoy the privileges that come with being a Hexagon Club member. Join in-app to unlock exclusive rewards, lifestyle perks, and personalized support tailored to your banking needs. RECEIVE US DOLLARS AND CONVERT ON DEMAND Have more flexibility with your US funds through your US Virtual Account. Receive US dollars and convert them to Philippine pesos whenever it suits you, giving you greater control over your money. SEND MONEY ONLINE FOR FREE Enjoy unlimited free transfers to local banks through InstaPay, PESONet, and QRPh, and conveniently send money online for everyday payments or move funds between accounts. DEPOSIT CHECKS FROM YOUR PHONE No need to make a trip to the branch just to deposit a check. With mobile check deposit, you can submit checks through the app and take care of it wherever you are. EASILY MANAGE YOUR RCBC CREDIT CARDS Keep your credit cards within reach and stay on top of your spending. Check your card activity, view your transactions, and access key card services whenever you need them. LET YOUR SAVINGS DO MORE Give your money more room to grow with an online Time Deposit. Open your account digitally, keep track of your deposits, and make the most of your savings as you work toward your financial goals. GET SUPPORT THAT KNOWS YOU When you need assistance, connect with your dedicated Hexagon Club support team for personalized help from people who understand your banking relationship. MORE WAYS TO BANK WITH PULZ Go beyond the essentials with more digital banking services designed around your everyday needs. Send or request payments, pay bills, buy load, deposit or withdraw cash, and manage your loans and investments through Pulz. From Foreign Exchange and Bank Certificate requests to additional account services, Pulz gives you more ways to stay on top of your finances and work toward your financial goals. ——— Rizal Commercial Banking Corporation (RCBC) is regulated by the Bangko Sentral ng Pilipinas (BSP) https://bsp.gov.ph Deposits are insured by PDIC up to P1 Million per depositor. Copyright 2026, Rizal Commercial Banking Corporation. All rights reserved. A Member of the Yuchengco Group of Companies

About

BDO Online

Manage your BDO accounts with this banking app. Secure your cards, view statements, and transfer funds with low fees. Confirm transactions using biometrics and send money via QR.

Highlights
  • Lock/unlock cards
  • View statements
  • Free BDO to BDO transfers
  • Biometric/Passcode confirmation
  • QR code money transfers
Features
Read full description

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.

Screenshots

RCBC Pulz4 screens
BDO Online4 screens

Verdict

The call

The clearest difference is rating: BDO Online at 4.7 against RCBC Pulz's 2.0. BDO Online also leads on ratings volume (12K vs 93). On price, review sentiment, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

BDO Online holds the better App Store score, 4.7 against 2.0. That said, the two scores are not equally well evidenced: BDO Online has 12K ratings behind it against 93, so its average is the more settled of the two. Written reviews complicate that: 18% of RCBC Pulz's written reviews are positive against 11% of BDO Online's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

RCBC Pulz ships an update every 4 weeks, BDO Online every 5 weeks. Both last shipped on October 24, 2026.

Scorecard2 real differences · 8 level
RCBC Pulz versus BDO Online: the parameters behind the verdict, then further details
ParameterRCBC PulzBDO Online
PriceFreeFree
Rating2.0 (93 ratings)4.7 (12K ratings) — better
Positive reviews18.2% of reviews — better11.3% of reviews
Number of ratings9312K — better
Update frequencyEvery 4 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.615.0 — better
Further details — not scored
Size161 MB412 MB
Age rating4+4+
DeveloperRizal Commercial Banking CorporationBDO Unibank, Inc.

Customer experience

RCBC Pulz

All ratings84 ratings
Positive21.4%
Neutral3.6%
Negative75.0%
Written reviews176 reviews
Positive18.2%
Neutral3.4%
Negative78.4%

BDO Online

All ratings11,161 ratings
Positive92.9%
Neutral0.9%
Negative6.2%
Written reviews539 reviews
Positive11.3%
Neutral2.0%
Negative86.6%

Bugs and requests

RCBC Pulz

Not enough reviews yet to summarise bugs or requests.

BDO Online

Reported bugs

4 issues
  • Accounts not showing up
  • Transaction history not updating
  • Inability to receive OTP
  • Constant need to reset password

Requested features

5 requests
  • Allow saving of biller details
  • Synchronize passwords across web and mobile
  • Provide OTP options via email or authenticator app
  • Optimize for tablet/iPad use
  • Add ability to transfer between own accounts (e.g., USD to PHP)

In-app purchases

None

RCBC Pulz

No in-app purchases

None

BDO Online

No in-app purchases

Questions

Is RCBC Pulz free?
RCBC Pulz is free to download, with no in-app purchases.
Is BDO Online free?
BDO Online is free to download, with no in-app purchases.
Which has better reviews, RCBC Pulz or BDO Online?
BDO Online is rated higher. RCBC Pulz averages 2.0 out of 5 from 93 ratings, while BDO Online averages 4.7 from 12K ratings.
Do RCBC Pulz or BDO Online have ads?
Neither RCBC Pulz nor BDO Online shows ads.
Which is updated more often, RCBC Pulz or BDO Online?
RCBC Pulz ships an update every 4 weeks, and BDO Online every 5 weeks. Most recently, RCBC Pulz was updated on October 24, 2026 and BDO Online on October 24, 2026.

Other comparisons