BDO Unibank, Inc. (Banco de Oro), is widely recognized as the largest bank in the Philippines, both in terms of total assets and branch network. Whether you’re looking for savings accounts, credit cards, loans, or digital banking, BDO offers a full suite of financial services tailored to Filipinos' needs.
In this comprehensive guide, we’ll explore everything you need to know about BDO Unibank in 2025, including its services, account types, digital banking, promotions, and why it's the preferred choice of millions.
What is BDO Unibank?
BDO Unibank is a full-service universal bank in the Philippines, owned by the SM Group, one of the largest conglomerates in Southeast Asia. Established in 1968, BDO has become the most trusted banking brand for both individuals and businesses.
Key Facts
Founded: 1968 (originally as Acme Savings Bank)
Headquarters: Mandaluyong City, Metro Manila
Parent Company: SM Investments Corporation
Stock Symbol: PSE: BDO
CEO (as of 2025): Nestor V. Tan
Total Branches: Over 1,500 branches nationwide
ATMs: 4,000+ across the Philippines
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BDO Products and Services
1. Deposit Accounts
BDO offers a range of deposit products, including:
- Savings Accounts: Peso, Dollar, Kabayan Savings (for OFWs)
- Checking Accounts
- Time Deposits
- Junior Savers Account (for kids)
2. Credit Cards
BDO offers more credit card options than any other bank in the Philippines, including:
- BDO Mastercard & Visa (Classic to Platinum)
- BDO ShopMore Mastercard (SM Advantage rewards)
- BDO American Express Cards
- BDO JCB Lucky Cat & Gold
- BDO Diners Club
- BDO UnionPay
Promo Tip: BDO frequently runs zero annual fee promotions, like the 5-year waiver offer in 2025 for new credit cardholders who activate and spend.
3. Loans
- Home Loans
- Auto Loans
- Personal Loans
- Business Loans
- SME Financing
4. Investment Services
- Unit Investment Trust Funds (UITFs)
- Equity Funds
- Fixed Income Securities
- Online Stock Trading via BDO Securities
5. Insurance & Protection
Offered in partnership with BDO Life and Generali Philippines:
- Life & Health Insurance
- Accident Insurance
- Travel Insurance
BDO Online and Mobile Banking
BDO Digital Banking Features:
- Fund transfers (BDO to BDO, BDO to other banks)
- Bills payment
- Load e-wallets (GCash, Maya)
- Account monitoring
- Mobile check deposit
- Virtual account numbers
Apps to Download:
- BDO Personal Banking App
- BDO Pay – for QR payments and sending money
- BDO Securities App – for stock trading
BDO for OFWs and Overseas Filipinos
BDO Kabayan Services offer:
- Remittance Services
- Kabayan Savings Account
- Peso or USD accounts
- Zero maintaining balance (if used at least once a year)
- BDO has international remittance partners in the US, Canada, UAE, UK, Hong Kong, and more.
Why Choose BDO?
✅ Pros
Largest ATM and branch network in PH
Reliable mobile and online banking
Strong rewards and promos for cardholders
Trusted partner for OFWs
Backed by SM Group (financial stability)
❌ Cons
Long lines at physical branches
Some services require branch visits (especially for new clients)
BDO Promos (2025)
5-Year Free Membership on Credit Cards (June 1 – August 31, 2025)
Zero Interest Installment Deals on select merchants
BDO Rewards Points for every transaction
👉 Visit www.bdo.com.ph or check the BDO app for updates.
How to Open a BDO Account
Requirements:
- 1 valid government-issued ID
- Proof of billing address
- 1x1 or 2x2 photo (optional)
- Initial deposit (varies per account type)
Visit the nearest branch or pre-fill forms online via the BDO website.
Contact BDO
Customer Service Hotline: (+632) 8631-8000
Email: callcenter@bdo.com.ph
Website: www.bdo.com.ph
Facebook: @BDOUnibank
Mobile App: Available on iOS and Android
Final Thoughts
BDO Unibank continues to lead the Philippine banking industry by delivering reliable financial services, cutting-edge digital tools, and rewarding programs for every Filipino. Whether you're starting your savings journey, applying for a credit card, or looking to invest—BDO is a bank you can trust.
“We find ways.” – More than a slogan, it’s a commitment.
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