# BDO Online vs SMDC Mobile App

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.

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.

## The numbers

| Metric | BDO Online | SMDC Mobile App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (11K ratings)](https://appshunter.io/ios/app/bdo-online/id1551584630/reviews)** | [2.9 (11 ratings)](https://appshunter.io/ios/app/smdc-mobile-app/id6578426151/reviews) |
| Number of ratings | **11K** | 11 |
| Positive reviews | **11.2% of reviews** | 3.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 412 MB | 35 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) | [BayaniPay](https://appshunter.io/developer/1721671799) |

## What reviewers say

### BDO Online

[App page](https://appshunter.io/ios/app/bdo-online/id1551584630)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Accounts not showing up
- Transaction history not updating
- Inability to receive OTP
- Constant need to reset password

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/smdc-mobile-app/id6578426151)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BDO Online free?

BDO Online is free to download, with no in-app purchases.

### Is SMDC Mobile App free?

SMDC Mobile App is free to download, with no in-app purchases.

### Which has better reviews, BDO Online or SMDC Mobile App?

BDO Online is rated higher. BDO Online averages 4.7 out of 5 from 11K ratings, while SMDC Mobile App averages 2.9 from 11 ratings.

### Do BDO Online or SMDC Mobile App have ads?

Neither BDO Online nor SMDC Mobile App shows ads.

### Which is updated more often, BDO Online or SMDC Mobile App?

BDO Online ships an update every 5 weeks, and SMDC Mobile App every 2 weeks. Most recently, BDO Online was updated on October 16, 2026 and SMDC Mobile App on October 11, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*