# BDO Pay vs My CBC App

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | BDO Pay | My CBC App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.2K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews)** | [3.4 (17 ratings)](https://appshunter.io/ios/app/my-cbc-app/id6465135914/reviews) |
| Number of ratings | **1.2K** | 17 |
| Positive reviews | 30.8% of reviews | **33.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 574 MB | 414 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) | [China Banking Corporation](https://appshunter.io/developer/620243110) |

## What reviewers say

### 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


### My CBC App

[App page](https://appshunter.io/ios/app/my-cbc-app/id6465135914)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


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