BDO Pay vs SMDC Mobile App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
Read full descriptionHide 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.
SMDC Mobile App
Manage and pay your SMDC property dues conveniently through a single, user-friendly application. Settle various fees, including reservation fees, down payments, and real property taxes, using a wide array of payment methods. Enjoy secure transactions and access your payment history with ease.
- Easy property enrollment (up to 15 properties)
- Convenient payment of reservation fees, down payments, and taxes
- Multiple payment methods (credit/debit card, Maya, BayaniPay, QRPh)
- Secure and verified transactions
- Detailed transaction history and receipt generation
Read full descriptionHide full description
Pay your SMDC dues with one convenient, easy-to-use app! Key Features • Easy Property Enrollment: Enroll up to 15 SMDC properties • Convenient Payments: Settle your reservation fees, down payments, lump sum payments, real property taxes and more with one app • A Wide Range of Payment Methods: Pay via credit card, debit card, Maya, BayaniPay, and QRPh • Top-Notch Security: Enjoy secure and verified transactions every time • Detailed Transaction History: Generate transaction receipts and view your payment history
Screenshots
Verdict
The clearest difference is rating: BDO Pay at 4.8 against SMDC Mobile App's 2.9. BDO Pay also leads on review sentiment (31% vs 3%) and ratings volume (1.7K vs 11). SMDC Mobile App's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 2 weeks vs monthly). 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
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 2.9. That said, the two scores are not equally well evidenced: BDO Pay has 1.7K ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 31% of BDO Pay's written reviews are positive against 3% of SMDC Mobile App's.
BDO Pay ships an update monthly, SMDC Mobile App every 2 weeks. The most recent releases landed on October 14, 2026 and October 11, 2026 respectively.
| Parameter | BDO Pay | SMDC Mobile App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.7K ratings) — better | 2.9 (11 ratings) |
| Positive reviews | 30.8% of reviews — better | 3.3% of reviews |
| Number of ratings | 1.7K — better | 11 |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 576 MB | 35 MB |
| Age rating | 4+ | 17+ |
| Developer | BDO Unibank, Inc. | BayaniPay |
Customer experience
BDO Pay
SMDC Mobile App
In-app purchases
BDO Pay
No in-app purchases
SMDC Mobile App
No in-app purchases
