Opening a bank account in the Philippines is now as simple as ordering a meal online, thanks to BDO Unibank’s fully digital account setup via the BDO Pay app.
Filipinos can now open a BDO Basic Account in minutes using just a smartphone and one valid ID, such as a driver’s license or passport. By removing initial deposit requirements, maintaining balances, and lengthy paperwork, BDO has dramatically lowered the barrier to formal banking.
For millions of unbanked Filipinos and busy young professionals, this hassle-free process opens direct access to secure money management, cashless transactions, and financial independence without visiting a physical branch.
Once set up, the app enables free money transfers, instant QRPh payments, and bill payments to thousands of billers, alongside free card requests for ATM access nationwide.





