Comparison

BDO Online vs BPI

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 securely with features like real-time card locking, transaction scheduling, and biometric confirmations. Send money in various currencies and book branch appointments conveniently. Troubleshoot login issues with a simple password reset process.

Highlights
  • Real-time card lock/unlock
  • Schedule payments and transfers
  • Send money in foreign currencies
  • Book branch appointments
  • Biometric and passcode confirmation
  • Password reset assistance
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

BPI

Manage your finances conveniently with this banking app. Access accounts, transfer funds, pay bills, invest, and open new accounts securely from your mobile device. Gain insights into your spending and enjoy personalized offers.

Highlights
  • Free transfers to banks and e-wallets
  • Pay bills with thousands of billers
  • Pay with QR Ph
  • Personalized spending insights
  • Open accounts in minutes
  • Invest and grow money
  • Secure transactions with Mobile Key
Features
Read full description

Welcome to the BPI app! Managing your money has never been easier. Access your accounts, transfer funds, pay bills, invest, and more, wherever you are. The BPI app gives you secure and convenient banking right at your fingertips. FREE TRANSFERS TO BANKS AND E-WALLETS Easily transfer money between your BPI accounts, send money to other BPI accounts, or transfer funds to other local banks and e-wallets via PesoNet and InstaPay for free. Save time by setting up Favorites for frequently used recipients. PAY BILLS ANYTIME Settle bills anytime with thousands of billers to choose from. Schedule recurring payments ahead of time so you never miss a due date. PAY WITH QR PH Skip the cash-in and pay directly from your BPI account. Simply scan any QR Ph code at participating merchants. UNDERSTAND YOUR SPENDING BETTER Get personalized insights based on your transactions and app activity to help you manage your spending, make informed financial decisions, and stay on track with your goals. OPEN AN ACCOUNT IN MINUTES Open a BPI Savings Account using your National ID and selfie verification. No branch visit required. Once approved, you can immediately access BPI digital banking services. INVEST AND GROW YOUR MONEY Grow your wealth and secure your future with BPI investment products. View and manage your investments in one place and conveniently set up or amend your Regular Subscription Plan (RSP) directly in the app. Eligible clients can also access their BPI Privilege Cards and exclusive experiences through the app. TAKE CONTROL OF YOUR SECURITY Enjoy added security with customizable transaction limits and Mobile Key authorization. Securely approve transactions using your device's biometric credentials. You can also log in to BPI online on a web browser using the QR Scanner in the app when Mobile Key is unavailable. Manage your cards anytime and enjoy greater control and protection for your everyday banking activities. BANK WITHOUT VISITING A BRANCH Access a growing range of services directly in the app: • Order a Debit Card • Open a New Account • Open a Time Deposit Account • Reorder Checkbooks • Stop Check Payment Orders • Download Statements of Account • Download Wealth Portfolio Statements • Update Mobile Number • Manage Trusted Devices • Temporarily or Permanently Block Debit or Credit Cards • Check Deposit (available to eligible customers) • Cardless Withdrawal • Buy and Sell USD • Credit-to-Cash and Balance Conversion for eligible customers • Partner Store Transactions (Deposit or Withdraw) UNLOCK PERSONALIZED OFFERS Enjoy exclusive offers, rewards, and promotions available through the BPI app. Receive personalized deals and experiences designed for BPI customers. ABOUT BPI As one of the largest banks in the Philippines, The Bank of the Philippine Islands has a long-standing reputation for providing trusted and reliable financial services. Through continuous innovation and digital transformation, BPI delivers secure, convenient, and customer-focused banking solutions that help millions of Filipinos achieve their financial goals. BPI was recognized by FinanceAsia as Best Financial Company and Best Overall Company in the Philippines. With the BPI app, you can bank with confidence knowing your transactions are protected by robust security features. The app is continuously enhanced with new features and improvements designed to make banking simpler, safer, and more convenient every day. Download the BPI app and make every day better with BPI.

Screenshots

BDO Online4 screens
BPI4 screens

Verdict

The call

BDO Online and BPI both sit at 4.7 stars, but that hides the real split: 28% of BPI's written reviews are positive against 12% of BDO Online's. On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 4.7 for BDO Online against 4.8 for BPI. Both are backed by a comparable volume of ratings — 13K and 18K respectively. Written reviews are what separate them: 12% of BDO Online's written reviews are positive against 28% of BPI's.

UpkeepUpdate frequency

BDO Online ships an update monthly, BPI every 2 months. Both last shipped on November 6, 2026.

Scorecard1 real difference · 9 level
BDO Online versus BPI: the parameters behind the verdict, then further details
ParameterBDO OnlineBPI
PriceFreeFree
Rating4.7 (13K ratings)4.8 (18K ratings) — better
Positive reviews11.8% of reviews28.4% of reviews — better
Number of ratings13K18K — better
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.0
Further details — not scored
Size413 MB216 MB
Age rating4+4+
DeveloperBDO Unibank, Inc.Bank of the Philippine Islands

Customer experience

BDO Online

All ratings12,276 ratings
Positive93.4%
Neutral0.9%
Negative5.7%
Written reviews543 reviews
Positive11.8%
Neutral2.0%
Negative86.2%

BPI

All ratings18,364 ratings
Positive95.1%
Neutral1.4%
Negative3.6%
Written reviews585 reviews
Positive28.4%
Neutral2.7%
Negative68.9%

User reviews

BDO Online

From 13K App Store ratings

What we love

  • 🚀 Lightning-fast load times
  • 🔒 Robust security features
  • 👍 User-friendly interface

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🔑 Inconsistent login issues
  • ⏱️ Slow and unresponsive
  • 💳 Unable to access credit card accounts
  • 📤 Unsuccessful transactions and transfers

BPI

From 18K App Store ratings

What we love

  • 🚀 Smooth transfer experience
  • 🔒 Secure authentication
  • 👍 Convenient mobile banking
  • 🙌 Improved app design

Room to improve

  • 🐛 Frequent crashes
  • 🤯 Frustrating registration process
  • 🤔 Confusing UI changes
  • 🙅‍♀️ Not OFW-friendly
  • 💔 Downgrade from previous app

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)

BPI

Reported bugs

4 issues
  • Unable to register device
  • OTP not received
  • Transactions not processing
  • Compatibility issues with newer devices

Requested features

4 requests
  • Allow multiple device registration
  • Provide email-based OTP option
  • Restore copy-paste functionality
  • Add dark mode option

In-app purchases

None

BDO Online

No in-app purchases

None

BPI

No in-app purchases

Questions

Is BDO Online free?
BDO Online is free to download, with no in-app purchases.
Is BPI free?
BPI is free to download, with no in-app purchases.
Which has better reviews, BDO Online or BPI?
BPI is rated higher. BDO Online averages 4.7 out of 5 from 13K ratings, while BPI averages 4.8 from 18K ratings.
Do BDO Online or BPI have ads?
Neither BDO Online nor BPI shows ads.
Which is updated more often, BDO Online or BPI?
BDO Online ships an update monthly, and BPI every 2 months. Most recently, BDO Online was updated on November 6, 2026 and BPI on November 6, 2026.

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