Comparison

BDO Pay vs My CBC App

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

Head to head
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.

About

My CBC App

Manage your banking needs with this app, offering seamless transactions, account management, and secure payments. Open new accounts, deposit checks, and send remittances conveniently from your device.

Highlights
  • Online account application
  • Account management and eStatements
  • Money transfers (local and InstaPay/PESONet)
  • Bill payments with recurring options
  • QR code payments and generation
  • Mobile check deposit with status tracking
  • Remittance services
  • Biometric and passcode security
Features
Read full description

Discover a new level of convenience with My CBC, an app that is focused on you and your banking needs! My CBC App is a seamless blend of intuitively designed digital services exclusively for your convenience and security. Unlock unparalleled versatility for seamless transactions across desktop and mobile devices. Explore the possibilities with My CBC! *** Apple Pay *** Introducing Apple Pay. Apple Pay is an easy, secure, and private way to use your Chinabank card your Apple devices. Add your CBC debit or credit card to Apple Pay directly through the app. No need to type long card numbers or wait for verification codes. *** Enroll and Log in *** Enroll with just a few taps using your savings, checking, or credit card account – no need to go to the branch or ATM to activate your enrollment. Log in easily via Face ID, Touch ID, or passcode. ***Online Account Application*** Skip the branch queue! Open a Chinabank account quickly and easily, wherever you are. Get instant access to your approved account through the App! *** Account Management and eStatement *** Monitor your Chinabank accounts, UITFs, and Credit Card balances conveniently in one app. Stay organized and eco-friendly with digitally available statements of account. *** Transfer Money *** Transfer money to other China Bank accounts, or to other local bank accounts via InstaPay or PESONet. *** Pay Bills *** Pay your bills on time and avoid the stress of late charges by setting recurring payments. *** QR Payments *** Generate your own account QR Code for quicker and safer transfers. You may also scan your recipient’s account QR Code to transfer funds or scan the QR Ph Code to pay for your in-store purchases, groceries, or restaurant bills. *** Mobile Check Deposit *** No need to go to the branch to deposit your checks. Simply take a photo of your check and deposit it through My CBC App. You may even track the status of your check deposit with just a few taps. *** Remittance *** Send cash to your family and friends anywhere in the Philippines, even if they don’t have a bank account. The cash can be picked up from any Chinabank branch or any branch of our cash pickup outlets. *** Enhanced Security *** Safeguard your transactions with various security measures. Choose from biometrics face ID or touch ID, or passcode to authorize your financial activities. *** Language *** Customize your banking experience by choosing between English and Traditional Chinese as the language for your account. Keep an eye out for new features! We are focused on improving your digital banking experience. and will keep you informed about upcoming features. Get ready to be captivated by the new My CBC App — download and enroll now! ABOUT CHINABANK Since its establishment in 1920, China Banking Corporation, commonly known as Chinabank, has been a key player in the reconstruction and economic recovery of the Philippines. As one of the country's largest private universal banks, Chinabank offers a diverse range of financial products through an extensive network of branches and ATMs nationwide, including those under its subsidiary, China Bank Savings. Beyond traditional banking, the institution is actively involved in investment banking, securities brokerage, insurance services, and bancassurance. Evolving with the times, Chinabank remains at the forefront of the digital banking landscape, continually enhancing services to cater to its diverse clientele.

Screenshots

BDO Pay4 screens
My CBC App4 screens

Verdict

The call

The clearest difference is rating: BDO Pay at 4.8 against My CBC App's 3.4. BDO Pay also leads on ratings volume (1.2K vs 17). My CBC App's advantage is monetization model (free vs free with in-app purchases). On price, review sentiment, update cadence 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

BDO Pay holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: BDO Pay has 1.2K ratings behind it against 17, so its average is the more settled of the two. Written reviews complicate that: 31% of BDO Pay's written reviews are positive against 33% of My CBC App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BDO Pay ships an update monthly, My CBC App every 3 weeks. The most recent releases landed on September 24, 2026 and September 2, 2026 respectively.

Scorecard3 real differences · 7 level
BDO Pay versus My CBC App: the parameters behind the verdict, then further details
ParameterBDO PayMy CBC App
PriceFreeFree
Rating4.8 (1.2K ratings) — better3.4 (17 ratings)
Positive reviews30.8% of reviews33.3% of reviews — better
Number of ratings1.2K — better17
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size574 MB414 MB
Age rating4+4+
DeveloperBDO Unibank, Inc.China Banking Corporation

Customer experience

BDO Pay

All ratings1,242 ratings
Positive94.6%
Neutral1.6%
Negative3.8%
Written reviews39 reviews
Positive30.8%
Neutral2.6%
Negative66.7%

My CBC App

All ratings17 ratings
Positive58.8%
Neutral5.9%
Negative35.3%
Written reviews6 reviews
Positive33.3%
Neutral16.7%
Negative50.0%

In-app purchases

None

BDO Pay

No in-app purchases

None

My CBC App

No in-app purchases

Questions

Is BDO Pay free?
BDO Pay is free to download, with no in-app purchases.
Is My CBC App free?
My CBC App is free to download, with no in-app purchases.
Which has better reviews, BDO Pay or My CBC App?
BDO Pay is rated higher. BDO Pay averages 4.8 out of 5 from 1.2K ratings, while My CBC App averages 3.4 from 17 ratings.
Do BDO Pay or My CBC App have ads?
Neither BDO Pay nor My CBC App shows ads.
Which is updated more often, BDO Pay or My CBC App?
BDO Pay ships an update monthly, and My CBC App every 3 weeks. Most recently, BDO Pay was updated on September 24, 2026 and My CBC App on September 2, 2026.

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