Comparison

BDO Online vs MariBank PH (SeaBank)

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

Head to head
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.

About

MariBank PH (SeaBank)

This app offers a convenient way to manage your finances, allowing you to save, pay, and earn daily rewards. Open an account quickly to enjoy high interest rates on savings, free transfers, and cashback on various transactions. It also integrates with popular payment platforms and offers flexible credit options.

Highlights
  • Daily interest earnings on savings
  • Free weekly transfers via InstaPay/PESONet
  • Cashback on dining, retail, and QR transactions
  • Link ShopeePay and SPayLater accounts
  • Upfront Time Deposits with high interest
  • Numberless debit card with zero foreign transaction fees
  • Flexible credit options
Features
Read full description

Ranked as the Best Bank in the Philippines in Forbes’ World’s Best Banks 2026 list, MariBank PH (formerly SeaBank PH) is now a BSP-licensed digital bank offering simple, reliable, and rewarding ways to save, pay, and earn every day—proudly part of the Sea Group, the same group behind Shopee. Open an account in 5 minutes and enjoy daily interest earnings, unlimited free transfers, free money, and cashback rewards that make everyday spending more rewarding. Join millions of Filipinos saving smarter with MariBank! EVERYDAY BANKING MADE SIMPLE: HIGH INTEREST EARNINGS & FREE TRANSFERS • Earn up to 3.75% p.a. on your savings, credited DAILY. • Unlimited FREE transfers via InstaPay and PESONet. • No maintaining balance, no lock-in period, and no account fees. ENJOY CASHBACK, FREE MONEY, AND EVERYDAY REWARDS • Claim up to ₱588 pamasko when you refer friends to MariBank, up to 100 referrals monthly! • Enjoy up to 10% cashback with your MariBank Card: 10% on train rides, 5% on ride-hailing apps, 3% on gas, 3% at select supermarkets, and 1% on all other local spend! • Get ₱5.00 cashback on each merchant QRPh transaction. • Get up to 10% off on Load & Mobile Data promos when you buy via the MariBank app. • Get up to ₱50 cashback monthly when you pay bills via the MariBank app. EVERYDAY PAYMENTS, NOW CONNECTED: LINK SHOPEEPAY AND SPAYLATER • Link your ShopeePay and SPayLater accounts to the MariBank app in minutes. • Scan to pay with MariBank, ShopeePay, (or SPayLater for select users) and earn cashback. • Transfer funds between ShopeePay and MariBank more easily & repay your SPayLater loans with fewer steps. • Pay less with available Vouchers in your QR purchases when you link your ShopeePay and SPayLater accounts! GROW YOUR SAVINGS WITH UPFRONT TIME DEPOSIT • Interest earned instantly upon successful placement. • Get 3.75% p.a. on a minimum of ₱100 in a 1-month or 3-month deposit. • Choose auto-rollover to renew automatically when your time deposit matures. SHOP ANYWHERE WITH CONFIDENCE • Get a MariBank Card and enjoy 0% Foreign Transaction Fees when you use your card to shop in-store abroad. • Enjoy FREE ATM withdrawals abroad and cash out at ATMs nationwide. • Feel secure with the numberless MariBank Card, with transaction controls and limits easily and instantly configurable in the MariBank app. • Use your Mari Credit Card on Shopee Checkout and enjoy 2% coins cashback & 0% interest. FLEXIBLE LOAN OPTIONS • Selected users may access Mari Loan with competitive interest rates of as low as 0.95% per month and flexible repayment terms. SECURE, REGULATED, AND PROTECTED • Your account is secured with multi-factor authentication and encryption. • MariBank Philippines, Inc. is regulated by the BSP. • Deposits are insured by PDIC up to ₱1 Million per depositor. MariBank PH is part of Sea Limited (NYSE: SE) — the global consumer internet company behind Shopee and Garena. FOLLOW US TO STAY UPDATED WITH OUR PROMOS & SERVICE ANNOUNCEMENTS • Facebook: facebook.com/MariBankPH/ • Instagram: instagram.com/maribank.ph • Tiktok: tiktok.com/@maribank.ph

Screenshots

BDO Online4 screens
MariBank PH (SeaBank)4 screens

Verdict

The call

BDO Online and MariBank PH (SeaBank) both sit at 4.7 stars, but that hides the real split: 74% of MariBank PH (SeaBank)'s written reviews are positive against 11% of BDO Online's. MariBank PH (SeaBank) also leads on update cadence (fortnightly vs every 5 weeks). BDO Online's advantage is ratings volume (12K vs 2.1K). On price, rating, 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

MariBank PH (SeaBank) holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: BDO Online has 12K ratings behind it against 2.1K, so its average is the more settled of the two. Written reviews point the same way: 11% of BDO Online's written reviews are positive against 74% of MariBank PH (SeaBank)'s.

UpkeepUpdate frequency

BDO Online ships an update every 5 weeks, MariBank PH (SeaBank) fortnightly. Both last shipped on October 27, 2026.

Scorecard3 real differences · 7 level
BDO Online versus MariBank PH (SeaBank): the parameters behind the verdict, then further details
ParameterBDO OnlineMariBank PH (SeaBank)
PriceFreeFree
Rating4.7 (12K ratings)4.9 (2.1K ratings) — better
Positive reviews11.3% of reviews73.5% of reviews — better
Number of ratings12K — better2.1K
Update frequencyEvery 5 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size412 MB218 MB
Age rating4+4+
DeveloperBDO Unibank, Inc.MariBank Philippines, Inc.

Customer experience

BDO Online

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

MariBank PH (SeaBank)

All ratings2,037 ratings
Positive97.3%
Neutral0.7%
Negative2.0%
Written reviews34 reviews
Positive73.5%
Neutral0.0%
Negative26.5%

Bugs and 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)

MariBank PH (SeaBank)

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BDO Online

No in-app purchases

None

MariBank PH (SeaBank)

No in-app purchases

Questions

Is BDO Online free?
BDO Online is free to download, with no in-app purchases.
Is MariBank PH (SeaBank) free?
MariBank PH (SeaBank) is free to download, with no in-app purchases.
Which has better reviews, BDO Online or MariBank PH (SeaBank)?
MariBank PH (SeaBank) is rated higher. BDO Online averages 4.7 out of 5 from 12K ratings, while MariBank PH (SeaBank) averages 4.9 from 2.1K ratings.
Do BDO Online or MariBank PH (SeaBank) have ads?
Neither BDO Online nor MariBank PH (SeaBank) shows ads.
Which is updated more often, BDO Online or MariBank PH (SeaBank)?
BDO Online ships an update every 5 weeks, and MariBank PH (SeaBank) fortnightly. Most recently, BDO Online was updated on October 27, 2026 and MariBank PH (SeaBank) on October 27, 2026.

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