Banks BDO

BDO Online Banking: How to Enroll your Account and Pay your Bills Online

It’s sweldo day!

I know when it’s my sister’s pay day because she would send me multiple text  messages asking me to transfer her funds from her BDO Payroll Account to my BDO Personal Savings Account for me to pay her bills online. I already taught her how to do this several times, but she prefers to let her Ate do it for her.

Sometimes, I don’t want to do it for her because I want her to be more independent and responsible by doing simple tasks like paying her bills, but because she’s my little sister and I can hardly say no to her, I would often do it myself. And I don’t mind because it just usually takes a minute or two to pay her bills online with BDO Online Banking.

Want to know how I do it?

Sure! It’s very simple! 🙂 And I even created video tutorials to make it easier for you to understand the steps.

Before you can pay your bills online, you first need to do the following steps

1. Enroll your BDO Account in BDO Online Banking.

a)      Go to

b)      Click “Enroll Now!”

c)       Read the “Electronic Banking Terms and Conditions” and tick the box if you fully understood it, then hit Submit.

d)      Fill-out the Online Enrollment Form, making sure to put a check on the Internet Banking box *, and then click Submit.

e)      Take note of your ATM Activation Code in the acknowledgment page as you will use this to activate your Internet Banking account using your BDO ATM Debit Card

f)       Activate your account at any BDO ATM within 45 days* You can also enroll in Mobile and/or Phone Banking by putting a check mark in their respective boxes.

2. Enroll the Company / Biller in BDO Online Banking for Bills Payment.

a)      Go to

b)      Hover over Online Banking Login and Click BDO Online Banking

c)       Login with your username and password

d)      Enter your OTP (One-time Password) which you will receive through your registered mobile phone number; OR answer the Challenge Question.

e)      Click Enrollment Services > Company/Biller > Enroll.

f)       Fill-out the information needed then click Submit.

3. Pay your Bills Online with BDO Online Banking.

a)      Go to

b)      Hover over Online Banking Login and Click BDO Online Banking

c)       Login with your username and password

d)      Enter your OTP (One-time Password) which you will receive through your registered mobile phone number; OR answer the Challenge Question.

e)      Under Quick Links, click the Icon with the Peso sign; OR click the right arrow under Actions, which is located at the far right side of your Account Number, then click “Pay my Bills”

f)       Fill-out the information needed: Pay from, Pay this Company/Biller, Amount, and Remarks, then click Submit.

For Meralco Bills Payment, you also need to enter the following:

·         Subscriber Number (first 11 digits of the ATM Phone Ref Number on your Meralco Bill, located on the lower left portion),

·         Subscriber Name (the subscriber name on your Meralco Bill).

·         ATM Phone Ref. No. (the last 5 digits of the ATM Phone Ref. No. on your Meralco Bill).

g)      Under Payment Schedule, click Immediately (or you can also choose Later Date or Regular Schedule) , then click Submit.

Click HERE to read the next post on how to Enroll and Transfer Money or Funds to Third Party or Other Person’s Account.

Source: BDO Unibank Inc. (PH)

BDO Helpful Tips

How to Pay Plane Ticket Online with Dragonpay Direct Debit

Whenever I book a flight either for myself or for others, I always choose to pay with Dragonpay Direct Debit mainly because it’s FREE of charge. It’s not the most convenient type of payment because there are more instructions to follow but I’d rather do it than pay additional P200-300 if I choose other payment options like credit card or over-the-counter payments.

Dragonpay Corporation is a progressive, alternative online payment provider based in the Philippines. (Source)

Before I booked the flight, I first enrolled Dragonpay in my BDO Account. Then I went to the nearest BDO ATM (machine) to activate the enrollment.

I chose to enroll Dragonpay with my BDO account because I find the enrollment and activation procedures easier than the other banks.  No need to submit documents or line up in the bank.

Once Dragonpay shows up in our BDO online account, then it’s ready to be used as a payment option. But make sure that we have enough balance to pay for our purchases. Remember it is debit and not credit.

And here are the steps on how to pay plane tickets with Dragonpay Direct Debit payment option:

  1. The final part when booking a flight is payment. Click Internet Banking (Direct Debit) and tick the radio button for Dragonpay then hit Submit payment. How-to-pay-plane-tickets-online-with-Dragonpay
  2. For Source, click the drop down arrow and choose your preferred bank (mine is BDO). Then enter your email address and hit Select. How-to-pay-plane-tickets-online-with-Dragonpay
  3. Click Send Instructions via Email and wait until you see the confirmation page. How-to-pay-plane-tickets-online-with-Dragonpay How-to-pay-plane-tickets-online-with-Dragonpay
  4. Check your email. You should receive an email from Dragonpay with the Subject: Deposit Instruction for Transaction Ref:____. Read and follow the instructions carefully. How-to-pay-plane-tickets-online-with-Dragonpay
  5. Login to your online banking account. (I logged in to my BDO account). Click on the right arrow and click Transfer FundsHow-to-pay-plane-tickets-online-with-Dragonpay
  6. For Transfer to, click the drop down arrow and choose Dragonpay accountHow-to-pay-plane-tickets-online-with-Dragonpay
  7. Enter the exact amount of the payment and the reference number that was sent to your email. Hit Submit. How-to-pay-plane-tickets-online-with-Dragonpay
  8. Check the details and make sure everything is correct before you hit Continue. How-to-pay-plane-tickets-online-with-Dragonpay
  9. After successfully transferring your money, copy the last 6 digits of the FT Reference Number. How-to-pay-plane-tickets-online-with-Dragonpay
  10. Paste/Enter the last 6 digits of the FT Reference Number on the box and click ValidateHow-to-pay-plane-tickets-online-with-Dragonpay
  11. You’ll initially see this page after you click Validate. Just retry after 2-5 minutes. How-to-pay-plane-tickets-online-with-Dragonpay
  12. Finally, you’ll see this Confirmation Page with the Booking Number and the amount paid. Check your email for your Flight Itinerary and print it. How-to-pay-plane-tickets-online-with-Dragonpay

That’s it! It seems long and complicated but I think it’s worth the P200-300 savings. 🙂

Disclaimer: The screenshots were personally taken from a flight that I booked with Air Asia Philippines today, November 6, 2014. Charges may differ depending on the airline or payment option. For more accurate details and information, you may contact your preferred airline directly. This is for informational purposes only and I’m not liable for any charges that you may incur in the process. For more information about Dragonpay, click here.