MCCB Online vs BDO Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MCCB Online
Manage your finances securely on the go with this banking app. Easily make payments, transfer funds, and receive money using QR codes or mobile numbers. Skip the bank queues and enjoy hassle-free transactions.
- Account management and balance viewing
- Real-time transaction monitoring
- Generate bank statements
- QR code fund transfers
- Send/receive funds via mobile number/email
- Bill payments and load purchases
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Manage your finance easily and securely by bringing your bank whenever or wherever you go. Enroll your account today for easy payments, fund transfers, and receiving money. Skip the bank queues! Get hassle-free transactions using our new QR code feature for faster transactions. With a few taps, you can: Manage your accounts: + View your accounts and balances + Real-time monitoring of your savings and transactions + Generate bank statement fast and easy Transfer funds: + Transfer funds to other banks easily by scanning QR PH codes [NEW FEATURE] + Easily send or receive funds via mobile number or email address [NEW FEATURE] + Transfer funds to other accounts, any time, anywhere, without going to the branch. + Real-time crediting for transfers between your accounts or other MCCB accounts. Pay Bills and Buy Load: + Pay your utility, phone, rent, school, and more. No need to enroll billers for payment. + Buy load or any load products for any prepaid mobile number.
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 monetization model: MCCB Online at free against BDO Pay's free with in-app purchases. MCCB Online also leads on rating (5.0 vs 4.8) and review sentiment (40% vs 31%). BDO Pay's advantage is ratings volume (1.7K vs 1) and update cadence (monthly vs every 2 months). On price, ads, in-app purchases and device support 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.
MCCB Online holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: BDO Pay has 1.7K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 40% of MCCB Online's written reviews are positive against 31% of BDO Pay's.
MCCB Online ships an update every 2 months, BDO Pay monthly. The most recent releases landed on October 3, 2026 and October 20, 2026 respectively.
| Parameter | MCCB Online | BDO Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.8 (1.7K ratings) |
| Positive reviews | 40.0% of reviews — better | 30.8% of reviews |
| Number of ratings | 1 | 1.7K — better |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 100 MB | 576 MB |
| Age rating | 4+ | 4+ |
| Developer | MINDANAO CONSOLIDATED COOPERATIVE BANK | BDO Unibank, Inc. |
Customer experience
MCCB Online
BDO Pay
In-app purchases
MCCB Online
No in-app purchases
BDO Pay
No in-app purchases









