Opening a bank account shouldn’t feel like adding another chore to your already packed schedule. Between deadlines, side hustles, errands, and everything in between, the last thing you need is to stand in long lines or fill out endless paperwork.
Good news: you don’t have to.
With BDO Unibank’s Basic Account, you can start your banking journey in just minutes—right from your phone.
Banking That’s Ready When You Are
All it takes is a valid passport and the BDO Pay app to open your Basic Account. No initial deposit. No maintaining balance. No complicated steps.
Just your smartphone and a few minutes of your day.
You can even open an account between classes, after work, or while waiting for your coffee. Other government-issued IDs are accepted, too, and approvals are typically completed within one day, so you won’t be left waiting.
Once approved, your account is ready to use.
Pay bills.
Send money.
Scan to Pay at partner merchants.
Split bills with friends.
All directly from your Basic Account through BDO Pay.
Every transaction is linked straight to your account, making it easier to monitor your spending and manage your budget. It’s a smart choice for students and young professionals who want a straightforward way to build better financial habits—without juggling multiple apps or transferring funds between wallets.
Easy, Simple, and Secure—Just the Way It Should Be
Your Basic Account is designed for real life—reliable, practical, and ready to support your everyday needs as they grow and evolve.
Need cash? You can request a physical BDO Pay card and enjoy free withdrawals at BDO ATMs anytime. That means your money stays accessible whenever you need it.
And because it’s powered by BDO Unibank, you also get the confidence of strong security features and access to a nationwide branch network whenever in-person assistance is needed.
Make Banking the Easiest Part of Your Day
In a world that moves fast, banking should keep up with you—not slow you down.
Ready to get started?
Download the BDO Pay app today and open your Basic Account in minutes. Simple, secure, and built for your everyday life.