Comparison

BPI 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

BPI

Manage your finances on the go with this comprehensive banking application. Open accounts, transfer funds, pay bills, and utilize QR payments. Features include AI-powered financial planning, investment services, and secure transaction authorization.

Highlights
  • Online account opening
  • QR payments
  • Money transfers
  • Scheduled transactions
  • AI personal finance manager
  • Investment services
  • Mobile key for authorization
Features
Read full description

Welcome to the BPI app! Managing your money has never been easier. Access your accounts, transfer funds, pay bills, invest, and more, wherever you are. The BPI app gives you secure and convenient banking right at your fingertips. FREE TRANSFERS TO BANKS AND E-WALLETS Easily transfer money between your BPI accounts, send money to other BPI accounts, or transfer funds to other local banks and e-wallets via PesoNet and InstaPay for free. Save time by setting up Favorites for frequently used recipients. PAY BILLS ANYTIME Settle bills anytime with thousands of billers to choose from. Schedule recurring payments ahead of time so you never miss a due date. PAY WITH QR PH Skip the cash-in and pay directly from your BPI account. Simply scan any QR Ph code at participating merchants. UNDERSTAND YOUR SPENDING BETTER Get personalized insights based on your transactions and app activity to help you manage your spending, make informed financial decisions, and stay on track with your goals. OPEN AN ACCOUNT IN MINUTES Open a BPI Savings Account using your National ID and selfie verification. No branch visit required. Once approved, you can immediately access BPI digital banking services. INVEST AND GROW YOUR MONEY Grow your wealth and secure your future with BPI investment products. View and manage your investments in one place and conveniently set up or amend your Regular Subscription Plan (RSP) directly in the app. Eligible clients can also access their BPI Privilege Cards and exclusive experiences through the app. TAKE CONTROL OF YOUR SECURITY Enjoy added security with customizable transaction limits and Mobile Key authorization. Securely approve transactions using your device's biometric credentials. You can also log in to BPI online on a web browser using the QR Scanner in the app when Mobile Key is unavailable. Manage your cards anytime and enjoy greater control and protection for your everyday banking activities. BANK WITHOUT VISITING A BRANCH Access a growing range of services directly in the app: • Order a Debit Card • Open a New Account • Open a Time Deposit Account • Reorder Checkbooks • Stop Check Payment Orders • Download Statements of Account • Download Wealth Portfolio Statements • Update Mobile Number • Manage Trusted Devices • Temporarily or Permanently Block Debit or Credit Cards • Check Deposit (available to eligible customers) • Cardless Withdrawal • Buy and Sell USD • Credit-to-Cash and Balance Conversion for eligible customers • Partner Store Transactions (Deposit or Withdraw) UNLOCK PERSONALIZED OFFERS Enjoy exclusive offers, rewards, and promotions available through the BPI app. Receive personalized deals and experiences designed for BPI customers. ABOUT BPI As one of the largest banks in the Philippines, The Bank of the Philippine Islands has a long-standing reputation for providing trusted and reliable financial services. Through continuous innovation and digital transformation, BPI delivers secure, convenient, and customer-focused banking solutions that help millions of Filipinos achieve their financial goals. BPI was recognized by FinanceAsia as Best Financial Company and Best Overall Company in the Philippines. With the BPI app, you can bank with confidence knowing your transactions are protected by robust security features. The app is continuously enhanced with new features and improvements designed to make banking simpler, safer, and more convenient every day. Download the BPI app and make every day better with BPI.

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

BPI4 screens
BDO Pay4 screens

Verdict

The call

The clearest difference is monetization model: BPI at free against BDO Pay's free with in-app purchases. BPI also leads on ratings volume (17K vs 1.7K). BDO Pay's advantage is update cadence (monthly vs every 2 months). On price, rating, review sentiment and ads 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

On the App Store both sit at effectively the same score — 4.8 for BPI against 4.8 for BDO Pay. That said, the two scores are not equally well evidenced: BPI has 17K ratings behind it against 1.7K, so its average is the more settled of the two. Written reviews are what separate them: 27% of BPI's written reviews are positive against 31% of BDO Pay's.

UpkeepUpdate frequency

BPI ships an update every 2 months, BDO Pay monthly. The most recent releases landed on October 13, 2026 and October 12, 2026 respectively.

Scorecard3 real differences · 7 level
BPI versus BDO Pay: the parameters behind the verdict, then further details
ParameterBPIBDO Pay
PriceFreeFree
Rating4.8 (17K ratings)4.8 (1.7K ratings)
Positive reviews26.9% of reviews30.8% of reviews — better
Number of ratings17K — better1.7K
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size197 MB576 MB
Age rating4+4+
DeveloperBank of the Philippine IslandsBDO Unibank, Inc.

Customer experience

BPI

All ratings17,201 ratings
Positive95.0%
Neutral1.4%
Negative3.6%
Written reviews573 reviews
Positive26.9%
Neutral2.8%
Negative70.3%

BDO Pay

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

Bugs and requests

BPI

Reported bugs

4 issues
  • Unable to register device
  • OTP not received
  • Transactions not processing
  • Compatibility issues with newer devices

Requested features

4 requests
  • Allow multiple device registration
  • Provide email-based OTP option
  • Restore copy-paste functionality
  • Add dark mode option

BDO Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BPI

No in-app purchases

None

BDO Pay

No in-app purchases

Questions

Is BPI free?
BPI 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, BPI or BDO Pay?
BPI and BDO Pay are both rated 4.8 out of 5 on the App Store, from 17K and 1.7K ratings respectively.
Do BPI or BDO Pay have ads?
Neither BPI nor BDO Pay shows ads.
Which is updated more often, BPI or BDO Pay?
BPI ships an update every 2 months, and BDO Pay monthly. Most recently, BPI was updated on October 13, 2026 and BDO Pay on October 12, 2026.

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