RCBC Pulz vs BDO Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Unified account view
- Hassle-free transactions
- Open accounts remotely
- Transaction history tracking
- QR code payments
- Cardless ATM withdrawals
- In-app investments
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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
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | RCBC Pulz | BDO Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (84 ratings) | 4.8 (1.7K ratings) — better |
| Positive reviews | 18.2% of reviews | 30.8% of reviews — better |
| Number of ratings | 84 | 1.7K — better |
| Update frequency | Every 4 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 161 MB | 576 MB |
| Age rating | 4+ | 4+ |
| Developer | Rizal Commercial Banking Corporation | BDO Unibank, Inc. |
Customer experience
RCBC Pulz
BDO Pay
In-app purchases
RCBC Pulz
No in-app purchases
BDO Pay
No in-app purchases







