# MCCB Online vs BDO Pay

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.

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.

## The numbers

| Metric | MCCB Online | BDO Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/mccb-online/id1566500684/reviews)** | [4.8 (1.7K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews) |
| Number of ratings | 1 | **1.7K** |
| Positive reviews | **40.0% of reviews** | 30.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 100 MB | 576 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [MINDANAO CONSOLIDATED COOPERATIVE BANK](https://appshunter.io/developer/1594326048) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## What reviewers say

### MCCB Online

[App page](https://appshunter.io/ios/app/mccb-online/id1566500684)

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:** macOS Compatibility

**In-app purchases:** none


### BDO Pay

[App page](https://appshunter.io/ios/app/bdo-pay/id6450918577)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


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