Comparison

RCBC Pulz vs BDO Pay

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 Pay

This app allows users to make payments, send money, and pay bills directly from their bank accounts or credit cards without needing to cash in. It offers features like QR code payments, free transfers to BDO accounts, and bill payments with no service fees.

Highlights
  • Scan QR Ph codes
  • Send money for free to BDO accounts
  • Pay bills with no service fees
  • Request money from users
  • Split bills
  • Buy load
  • QR withdrawals and deposits
Features
Read full description

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.

Screenshots

RCBC Pulz4 screens
BDO Pay4 screens

Verdict

The call

The clearest difference is rating: BDO Pay at 4.8 against RCBC Pulz's 2.0. BDO Pay also leads on ratings volume (1.7K vs 84) and review sentiment (31% vs 18%). RCBC Pulz's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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 Pay holds the better App Store score, 4.8 against 2.0. That said, the two scores are not equally well evidenced: BDO Pay has 1.7K ratings behind it against 84, so its average is the more settled of the two. Written reviews point the same way: 18% of RCBC Pulz's written reviews are positive against 31% of BDO Pay's.

UpkeepUpdate frequency

RCBC Pulz ships an update every 4 weeks, BDO Pay monthly. The most recent releases landed on October 16, 2026 and October 17, 2026 respectively.

Scorecard4 real differences · 6 level
RCBC Pulz versus BDO Pay: the parameters behind the verdict, then further details
ParameterRCBC PulzBDO Pay
PriceFreeFree
Rating2.0 (84 ratings)4.8 (1.7K ratings) — better
Positive reviews18.2% of reviews30.8% of reviews — better
Number of ratings841.7K — better
Update frequencyEvery 4 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone, iPod — better
Requires iOS16.615.0 — better
Further details — not scored
Size161 MB576 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 Pay

All ratings1,676 ratings
Positive95.1%
Neutral1.5%
Negative3.4%
Written reviews39 reviews
Positive30.8%
Neutral2.6%
Negative66.7%

In-app purchases

None

RCBC Pulz

No in-app purchases

None

BDO Pay

No in-app purchases

Questions

Is RCBC Pulz free?
RCBC Pulz is free to download, with no in-app purchases.
Is BDO Pay free?
BDO Pay is free to download, with no in-app purchases.
Which has better reviews, RCBC Pulz or BDO Pay?
BDO Pay is rated higher. RCBC Pulz averages 2.0 out of 5 from 84 ratings, while BDO Pay averages 4.8 from 1.7K ratings.
Do RCBC Pulz or BDO Pay have ads?
Neither RCBC Pulz nor BDO Pay shows ads.
Which is updated more often, RCBC Pulz or BDO Pay?
RCBC Pulz ships an update every 4 weeks, and BDO Pay monthly. Most recently, RCBC Pulz was updated on October 16, 2026 and BDO Pay on October 17, 2026.

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