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BDO Unibank, Inc.

BDO Unibank, Inc.

BDO is a full-service universal bank in the Philippines. It provides a complete array of industry-leading products and services including Lending (corporate and consumer), Deposit-taking, Foreign Exchange, Brokering, Trust and Investments, Credit Cards, Corporate Cash Management and Remittances in the Philippines. Through its local subsidiaries, the Bank offers Investment Banking, Private Banking, Leasing and Finance, Rural Banking, Life Insurance, Insurance Brokerage and Stock Brokerage services.



To be the preferred bank in every market we serve by consistently providing innovative products and flawless delivery of services, proactively reinventing ourselves to meet market demands, creating shareholders value through superior returns, cultivating in our people a sense of pride and ownership, and striving to be always better than what we are today… tomorrow



Commitment to Customers

We are committed to deliver products and services that surpass customer expectations in value and every aspect of customer services, while remaining to be prudent and trustworthy stewards of their wealth.

Commitment to a Dynamic and Efficient Organization

We are committed to creating an organization that is flexible, responds, to change and encourages innovation and creativity. We are committed to the process of continuous improvement in everything we do.

Commitment to Employees

We are committed to our employees’ growth and development and we will nurture them in an environment where excellence, integrity, teamwork, professionalism and performance are valued above all else.

Commitment to Shareholders

We are committed to provide our shareholders with superior returns over the long term.


BDO finds ways to satisfy BDO merchants’ needs by providing the following:

  • Straight Payment – Over-the-counter or face-to-face transactions
  • Installment Payment Plan – Regular, zero percent or Buy Now, Pay Later

Cardholders can now have the flexibility to convert a regular purchase, in staggered payment, interest free!
Consumer lifestyle and shopping habits have been rapidly changing. Banks and stores have to acknowledge this by working together to provide increased spending power and flexible payment options. The Installment facility, traditionally used only for purchase of big-ticket items such as appliances, furniture, gadgets, etc. has evolved. Clothing and other basic necessities are now also offered on installment to become more affordable to the consumers. This facility is available to all BDO cardholders, the largest card base in the country.
This program will not just boost your store’s sales but likewise benefit from the market we both serve.

  • Delivery/Events – Uses remote/wireless terminals ideal for delivery services, events and exhibits.

Refers to BDO’s facility of card acceptance using the Point-of-Sale Wireless Technology which will be installed at your site to be used for deliveries, events or roadshows without the need of telephone access.

  • eCommerce – Internet/On-line transactions

The BDO Internet Payment Gateway Facility provides a standard internet connection for your company to securely and reliably send and receive payment authorizations allowing your customers to purchase goods and services from your internet site

  • Mail Order/Telephone Order (MOTO) – Cardholder Not Present transactions

This facility allows your company the privilege of accepting transactions that are called-in, mailed or faxed by your customers. As such, your company will be able to accommodate transactions without the presence of the cardholders at your establishment.

  • Recurring Payment System (RPS) – Merchants with continuous billing transactions like insurance premiums, subscription payments and club membership dues

The Recurring Payment System (RPS) Facility is used frequently by companies for “auto-debit-arrangements” with clients. This payment facility allows the company to process transactions which are recurring in nature such as periodic fees/charges.

BDO also provides acquired merchants the following Services:

  • Point of Sale (POS) terminal installation
  • Card acceptance and POS terminal usage orientation
  • Supplies
  • Terminal maintenance, servicing and repair
  • Merchant Services Call Center (with PLDT and Digitel toll-free number)
  • Merchant Online access – transaction reports for payment reconciliation available via web
  • Account Officers and Relationship Managers that monitors merchant’s need

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