Comparison

MCCB Online vs BDO Pay

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

MCCB Online4 screens
BDO Pay4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
MCCB Online versus BDO Pay: the parameters behind the verdict, then further details
ParameterMCCB OnlineBDO Pay
PriceFreeFree
Rating5.0 (1 ratings) — better4.8 (1.7K ratings)
Positive reviews40.0% of reviews — better30.8% of reviews
Number of ratings11.7K — better
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size100 MB576 MB
Age rating4+4+
DeveloperMINDANAO CONSOLIDATED COOPERATIVE BANKBDO Unibank, Inc.

Customer experience

MCCB Online

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews5 reviews
Positive40.0%
Neutral20.0%
Negative40.0%

BDO Pay

All ratings1,676 ratings
Positive95.1%
Neutral1.5%
Negative3.4%
Written reviews39 reviews
Positive30.8%
Neutral2.6%
Negative66.7%

In-app purchases

None

MCCB Online

No in-app purchases

None

BDO Pay

No in-app purchases

Questions

Is MCCB Online free?
MCCB Online is free to download, with no in-app purchases.
Is BDO Pay free?
BDO Pay is free to download, with no in-app purchases.
Which has better reviews, MCCB Online or BDO Pay?
MCCB Online is rated higher. MCCB Online averages 5.0 out of 5 from 1 ratings, while BDO Pay averages 4.8 from 1.7K ratings.
Do MCCB Online or BDO Pay have ads?
Neither MCCB Online nor BDO Pay shows ads.
Which is updated more often, MCCB Online or BDO Pay?
MCCB Online ships an update every 2 months, and BDO Pay monthly. Most recently, MCCB Online was updated on October 3, 2026 and BDO Pay on October 20, 2026.

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