BDO Online vs SMDC Mobile App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Lock/unlock cards
- View statements
- Free BDO to BDO transfers
- Biometric/Passcode confirmation
- QR code money transfers
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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.
SMDC Mobile App
Manage and pay your SMDC property dues conveniently through a single, user-friendly application. Settle various fees, including reservation fees, down payments, and real property taxes, using a wide array of payment methods. Enjoy secure transactions and access your payment history with ease.
- Easy property enrollment (up to 15 properties)
- Convenient payment of reservation fees, down payments, and taxes
- Multiple payment methods (credit/debit card, Maya, BayaniPay, QRPh)
- Secure and verified transactions
- Detailed transaction history and receipt generation
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Pay your SMDC dues with one convenient, easy-to-use app! Key Features • Easy Property Enrollment: Enroll up to 15 SMDC properties • Convenient Payments: Settle your reservation fees, down payments, lump sum payments, real property taxes and more with one app • A Wide Range of Payment Methods: Pay via credit card, debit card, Maya, BayaniPay, and QRPh • Top-Notch Security: Enjoy secure and verified transactions every time • Detailed Transaction History: Generate transaction receipts and view your payment history
Screenshots
Verdict
The clearest difference is rating: BDO Online at 4.7 against SMDC Mobile App's 2.9. BDO Online also leads on ratings volume (11K vs 11). SMDC Mobile App's advantage is update cadence (every 2 weeks vs every 5 weeks). On price, review sentiment, 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 Online holds the better App Store score, 4.7 against 2.9. That said, the two scores are not equally well evidenced: BDO Online has 11K ratings behind it against 11, 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 3% of SMDC Mobile App's.
BDO Online ships an update every 5 weeks, SMDC Mobile App every 2 weeks. The most recent releases landed on October 16, 2026 and October 11, 2026 respectively.
| Parameter | BDO Online | SMDC Mobile App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (11K ratings) — better | 2.9 (11 ratings) |
| Positive reviews | 11.2% of reviews — better | 3.3% of reviews |
| Number of ratings | 11K — better | 11 |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 412 MB | 35 MB |
| Age rating | 4+ | 17+ |
| Developer | BDO Unibank, Inc. | BayaniPay |
Customer experience
BDO Online
SMDC Mobile 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)
SMDC Mobile App
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BDO Online
No in-app purchases
SMDC Mobile App
No in-app purchases
