The "BER" months mark the start of the country's most anticipated holiday season. As families prepare for gift shopping and festive celebrations, making every peso count becomes important when planning meaningful reunions to create lasting memories. With expenses likely to pile up, BDO Pay helps Filipinos stretch their budget by offering free money transfers, seamless QR payments, and bill payments without extra charges. It’s your reliable and secure everyday payment app for all holiday transactions, from shopping, to settling bills, and even sending Aguinaldo. Your all-in-one holiday payment app The season means more gatherings, more purchases, and more expenses. BDO Pay keeps transactions simple, secure and cost-efficient, so you can focus on celebrations instead of fees. Pay instantly with no fees for all transactions. Scan any QRPh code to pay directly from your BDO account or Debit card, or choose Scan to Pay with your BDO Credit Card using the BDO POS terminal.Send gifts without fees. Send Aguinaldo to inaanaks or split expenses with relatives at no cost. With BDO Pay’s Send Money feature, you can transfer funds to BDO accounts, other banks, and e-wallets for free using an account number, QR code, or mobile number.Stay on top of bills. Settle dues to over 2,200 billers, like electricity, transportation, water services, and telecommunications, all without fees. Amid the holiday rush, pay on time without lining up or juggling multiple apps, and enjoy BDO Pay’s all in one convenient platform. Easy access for first-time users For those who have yet to discover BDO Pay, there's never been a better time to start.  Opening a Basic Account through the BDO Pay app is quick and hassle-free. Customers can open an account in just a few minutes using only one valid ID, such as a passport or driver’s license, with no initial deposit or maintaining balance required, making banking accessible to more Filipinos. BDO Pay also makes everyday transactions effortless and secure. Easily collect shared expenses with Request Money, access installment offers for big purchases, and stay protected with instant card lock for your BDO Credit and Debit Cards whenever needed. This season of giving, BDO Pay Mo Na! Holiday spending is in full swing, but managing your everyday payments can be hassle-free. With BDO Pay, you have everything you need in one easy-to-use app that lets you spend smart, enjoy the festivities, and make your every peso count.  Download BDO Pay today from the App Store (iOS), Google Play Store (Android), or Huawei AppGallery (HarmonyOS) About BDO BDO Unibank, Inc. (BDO) is a full-service universal bank which provides a wide range of corporate and retail banking services such as loan and deposit products, treasury, trust banking, investment banking, private banking, rural banking and microfinance, cash management, leasing and finance, remittance, life insurance, property & casualty insurance brokerage, cash cards, credit cards, and online and traditional stock brokerage services. The Bank also offers digital banking solutions to make banking easier, faster, and more secure for its clients. BDO has the country’s largest distribution network, with almost 2,000 consolidated operating branches and more than 7,700 teller machines nationwide. It also has 15 international offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America and the Middle East. BDO ranked as the largest bank in terms of total assets, loans, deposits and trust funds under management based on published statements of condition as of March 31, 2026. For concerns, please visit any BDO branch near you or reach us through any of the channels listed in the Consumer Assistance page of our website: https://www.bdo.com.ph/consumer-assistance. For more information, please visit www.bdo.com.ph. BDO is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph). Deposits are insured by PDIC up to P1 Million per depositor. The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.