# BDO Pay vs SMDC Mobile App

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.

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.

## The numbers

| Metric | BDO Pay | SMDC Mobile App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/bdo-pay/id6450918577/reviews)** | [2.9 (11 ratings)](https://appshunter.io/ios/app/smdc-mobile-app/id6578426151/reviews) |
| Number of ratings | **1.7K** | 11 |
| Positive reviews | **30.8% of reviews** | 3.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 576 MB | 35 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) | [BayaniPay](https://appshunter.io/developer/1721671799) |

## 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


### SMDC Mobile App

[App page](https://appshunter.io/ios/app/smdc-mobile-app/id6578426151)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is BDO Pay free?

BDO Pay is free to download, with no in-app purchases.

### Is SMDC Mobile App free?

SMDC Mobile App is free to download, with no in-app purchases.

### Which has better reviews, BDO Pay or SMDC Mobile App?

BDO Pay is rated higher. BDO Pay averages 4.8 out of 5 from 1.7K ratings, while SMDC Mobile App averages 2.9 from 11 ratings.

### Do BDO Pay or SMDC Mobile App have ads?

Neither BDO Pay nor SMDC Mobile App shows ads.

### Which is updated more often, BDO Pay or SMDC Mobile App?

BDO Pay ships an update monthly, and SMDC Mobile App every 2 weeks. Most recently, BDO Pay was updated on October 14, 2026 and SMDC Mobile App on October 11, 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.*