Bdo.com.ph Reviews 

if theres an option for no star at all, i will give it to bdo. Their credit card is not safe.you will just wake up and receive a bank statement with fraudulent transactions. I don't know why no otp code was asked . Bdo is a big company but I don't know why the security is like for small time business. I was charged 20k pesos and they want me to pay it while the investigation is on going. they said if i will not pay it, interest will continue to charge my credit card. So unfair

waiting time is too long!!! more than 1 hour waiting in line! disappointing!

Based on experience with BDO Pasig Tektite Branch, some employees care to chit chat, busy with their phones, and not mindful about long lines of bank clients in line. there is a numbering system but the turnover could be faster if the BDO employees are sensitive enough to expedite processing and shorten the queue. BDO customer service has become lackluster. Has BDO bank become complacent?

I’m frustrated with BDO’s online services. The website isn't mobile-responsive, no QR scan feature. has 'access denied' issues, and requires frequent password changes. The mobile app requires a separate account from the website which complicates access. Additionally BDO sent me an unsolicited credit card, causing stress about potential fees. Overall, it feels as though BDO is ignoring customer feedback and relying solely on their established reputation, which has been disappointing.

Very poor customer I recently had a frustrating experience trying to change my phone number with this company. The customer service process was unnecessarily tedious, involving multiple layers of verification that seemed excessive for such a simple request. The questions asked were vague and unclear, making it difficult to provide the correct answers.

What’s even more frustrating is that, due to a single verification question that I couldn't answer—largely because of how it was presented—my account ended up being locked. This feels incredibly disproportionate for a straightforward issue.

Overall, my experience with customer service has been disappointing. It seems there’s a significant need for better training and clearer communication among the representatives. If you’re considering reaching out for help, be prepared for a long and frustrating process. I would not recommend this service based on my experience

Just opened an account last week. Go through the whole Zoom meeting for my application since I'm working abroad. My account application was approved as per the received SMS, and was instructed to check my email. Till now I haven't received the email, so no idea what my bank details are. I have sent numerous emails to their customer service and tried calling the customer support number but I was on hold for like 30mins, didn't get the chance to talk to anyone still up to now. Given that I am currently abroad, calling their hotline and waiting for 30 minutes continuously and not getting any answers is costly. It's frustrating and annoying.

the poorest app ive ever used!!!!!!!!!! specially lahat ng callcenter sa mobile banking.. to replace a mobile number as ofw i need to go tru 10days of waiting just to find out di match signature ko daw sa passport n sa bank details thats why they decline my request to change the number !!! tell me how can i get my own otp now to my my card bills here in the other country!!!!!

it being one if not the largest bank in the philippines, the services offered are pretty subpar, app is laggy and customer care is a nightmare to go through, im pretty much contemplating changing banks if not for my current savings account having years of records.

My only complain is the OTP.
A lot of time, not just today - it takes more than 2 minutes for the OTP to reach my mobile phone and at times there were no OTP received at all.

Bdo bank automatic kukunin pera ninyo without informing you thru email, text or calls.. Ang sasabihin lang sayo once nag complaint ka ay computer generated daw yun.. Wapak!! P220. 00 KO NANAKAW NA!! buti nalang maliit lang kung malaki pa.. Aysus!! Close ko na account ko sa kanila. Sa BPI OR METROBANK nalang ang bank ko..

I am currently in US, and my online app is not accessible anymore. My first few months here I can still open the app for my transactions in the Philippines but just last week it logged out and I cannot logged in anymore due to wrong password it said but I doubt it’s wrong and then my account got locked and ro reset it needs the otp from my PH number, tried calling the “24/7” customer service and the US Toll number, I spent money just to buy the Viber credit of 120mins call, the load just runs out while waiting for the “next available customer agent”. I’ve been calling since 9am PhT to 1pm; I then again bought the 180mins call and now called their number at 11pm PhT and yet no one is still available. I did not expect this big of a hassle from you BDO!!

Hindi gumagana ang apps nyo.. bdo pay or bdo online, palaging unable to send money, urgent pa nman.
Ayusin nyo po ang apps nyo..
Isa sa pinakamalaking banko ng pilipinas pero ang apps hndi maayos.

So disappointed!!!! Asking so much requirements still useless!!! I regret, I get the bdo insurance that make me struggle and stress, u can't pay by online..It supposed to be more easier to open account again if u have record already with them..Mabulaklak lang siguro Yong ng offer sa akin. That I can do In other bank that can give me more easier and convenient service. Better fix your Internet so that it will not be chappy, and better connections.

A very useless bank in the Philippines, Imagine you open a savings account and they required many documents to open your banking online.

Please depositor withdraw your money from this bank and transfer to BPI and other bank is very convenient than BDO.

DO NOT BE FOOLED! BDO is the most unreliable bank in the Philippines pretending to be one of the best bank in the Philippines. Just to name a handful:
[1] Intrusion protection system is using one of the oldest and most annoying and time-consuming system (15 second wait and sometimes repeats) when other quality banks already opted for non-intrusive protection;
[2] OTP Generator service has been down for more than FOUR (4) years that they could have just said they don't have that service anymore;
[3] OTP via SMS fails to send SMS most of the time for international numbers for more than ONE (1) year already (I had a PH number before and sometimes had issues but can't verify this now). This has never happened for a New Zealand number more than a year ago and definitely not a carrier issue as SMSC messages are originating from BDO's crappy provider.
[4] They keep on pushing users to transfer from "BDO Digital Banking" (legacy) app to new "BDO Online" app when they are not yet able to completely provide the service that the legacy app provides (e.g., securities reporting). If BDO is a New Zealand company it has already been investigated by the NZ government for their pathetic QoS.
[5] BDO customers has the HIGHEST victim of scams that target mostly retirees and the uninitiated, worse it is well suspected that a number of these are even INSIDE JOBS that BDO customers already can't even trust BDO staff.
[6] Do a comparative QoS of different Philippine banks, and listen to the feedback of consumers (just be wary of inauthentic "click farms" and paid "online armies"). I won't mention another bank here so as not to be biased, but BDO obviously DO NOT CARE about their middle-class and lower-class customers, and even for their upper-class and international customers their QoS is lacklustre more so a joke if compared to New Zealand banks.

I am waiting to visit the Philippines to close my BDO account and transfer to that another bank that I personally know has improved heaps better through the years, especially for QoS on outward remittance service.

P.S.: I am still a stock investor of BDO so definitely not a biased post. I am talking about their quality of service, not their cunning to do business and make money which is a different story altogether.

There's a long wait time to open a payroll account even though you already have an appointment. I arrived at 9:16AM, and I waited more than an hour to be accomodated. There's only one teller window that's open, when in fact ang dami naman ng window for opening an account sana. Slow service. Rating it one star.

Worst customer support experience
I was trying to reconnect my phone number several times through the hot line "24/7" (pure lie - they don't even serve you in banking hours) - they asked me to go directly in the branch when I applied for the card initially (7 years ago!). So I was supposed to drive through the entire island to get there just to change my banking number!
Remittance service is horrible as well. They can put your money on pending for months when you are sending overseas. One of the worst banking systems in the whole world

I am extremely frustrated and disappointed with the handling of my application process with BDO. On July 10, 2024, at 5:38 PM, I received communication confirming my next step: a Zoom video call appointment scheduled for July 17, 2024, at 3:30 PM. However, because I missed a call at 12:38 PM on July 14, 2024, during lunchtime, I was informed that my application cannot proceed.

This decision is unprofessional and inconsistent, especially given the prior confirmation of the scheduled Zoom appointment. I was fully prepared to follow the process and participate in the Zoom call as planned.

I urge BDO to reconsider their decision and honor the originally scheduled Zoom appointment on July 17, 2024, at 3:30 PM. This situation has caused unnecessary inconvenience and reflects poorly on the reliability and professionalism that I expected from BDO. I need a checking account for my transactions, and this delay is unacceptable.

I recently applied for a credit card.

I filled out a form with all my details: name, address, yada yada. Guess what!? They delivered my card to the address on their file instead of using the address I provided. Now I have been looking for a way to get the card before anything happens.

Called their customer service - on hold for 3 hours now, and nobody seems to know what needs to be done.

I am spelling out the solution for the. I just picked the card up from one of their branches and guess what!! I was told to reach out to their customer service hotline even after visiting one of their branches.

My credit card and phone was stolen overseas, so it takes time before I inform my wife that she has call BDO to block my card but unfortunately my card was already maxed out before it gets blocked.
I asked for a dispute and it was not successful, they did not even investigate, I reported the incident within 24 hrs. But they dId not approve it. They will just put a blame on you if you lost your card. They should have removed the dispute option in their system because they will just ignore it.
Now I'm removing all my accounts in BDO.