Bdo.com.ph Recenzje 

This is unrelated to customer service, but their ATM's are misleading! Screen pop-up tells you that there will be a 150PHP surcharge when you withdraw money from your international debit card. I thought sure no worries that's pocket change, I then check my account and I was charged 5AUD, which is not much money but still I was told it would only be 150PHP.

I have had an extremely disappointing experience with BDO Unibank.

My dispute began with a credit card transaction involving Agoda. Agoda confirmed that it had not received the payment, but BDO still charged the amount to my credit card.

I reported the problem to the bank and personally visited a BDO branch several times over the following months, asking for an investigation and resolution.

Despite my repeated attempts to resolve the issue, I have not received a satisfactory explanation supported by transaction records showing why I should be responsible for this payment.

Instead, the disputed balance continued to accumulate charges, and I received payment demands and collection-related communications.

On October 5, 2026, BDO informed me that my outstanding balance was PHP 20,735.31 and offered to settle it for PHP 12,786.85.

What concerns me most is that BDO continues to demand payment while I am still disputing the original transaction.

I have already escalated the matter to Bangko Sentral ng Pilipinas (BSP), the Philippine central bank, and submitted follow-up complaints. However, my dispute remains unresolved.

After months of correspondence, branch visits, and formal complaints, I expected a clear explanation, supporting evidence, and a fair resolution. Instead, I continue to receive payment demands.

Based on my experience, I cannot recommend BDO Unibank for its handling of credit card disputes and customer complaints.

I hope BDO will finally provide a documented explanation and resolve this matter fairly.

Well BDO level of service is not standard. Issues with Tagaytay winds BDO... ATM Withdrawal are blocked from withdrawing cash using the "Without Conversion Option". ATM works DCC Dynamic conversion rate SET by the Individual bank. Hefty additional cost of up to 13% in excess of the 250 Peso International charge. Very excessive. Plus the ATM machines at this location are not reliable.. process transactions without giving the cash..Beware this location. Had no problems in other BDO locations.

Very straightforward bank

Basic feedback link hard to locate

Question why does take 6 weeks to return refunds to my account in us dollars even when I recieve information that refund had been issued by issuing companies aren't you happy with your profit you have to hold onto other people's funds just for bdo gain..

I have 2 other accounts from different banks and it was easy updating my account details through email and got my new credit cards within 1-2 weeks. With BDO however it’s a different story. They told me I had to contact the branch were I opened the account 😵‍💫.
I also raised another concern and again no solution offered. Totally inconvenient for a bank offering digital services.

Use other bank! this bank is all about profit and requirements to access your own money will hell take up a lot of your time.

Very poor Customer Service.
Wasted HKD250+ for international calls, and just holding the line for 30mins+, then ended up with no one answering. Called again, same thing. Again, same thing.

No live agents to help as well. Very poor CS.

Poor customer service, it took ages to provide loan statement records and you need to follow up 3 or more times before do respond to your request. Unfortunately, we are locked in on this bank, if you have other choice of bank please do so and do not take BDO for your home loan. Promise you will regret it.

they are criminals
someone want to send money to me from bdo to wise
everytime they send a letter with text as :now only 56 hours he have his money
fridaymorning i would supose to get the money but internet from bank was down
now she must go true the whole procedure again to send it to me,while it was almost with me
Big lie because if she monday not identify herself again,they dont send
strange ,it means it was never send before!!!
than why must i wait 56 hours???Wise is seconds work
nevver deal with this bank!!!!!!!!

I visited BDO branch San Pedro Puerto Princesa City, Palawan today to open a company payroll account, and the experience was very disappointing. From the moment i arrived, the service was poor. The security guard asked me to open my small bag even though both of my hands were already full, I was carrying an envelope and an iced coffee after coming straight from a night shift. Inside the branch i was told that Counters 10 and 12 were processing new/payroll accounts, but only Counter 10 was actually serving clients. I arrived at 11:47AM when the queue was only at 3006, and I got queue number 3008. Despite being just 2 numbers away, I waited for almost 2 hours and still wasn’t accommodated.I had no choice but to leave at 2PM because I needed to go home and rest before my next night shift. If only 1 counter is processing applications, customers should be informed instead of being told that 2 counters are available. The slow service and poor queue management wasted my time. My advice: avoid this branch if you can. You may end up wasting hours for a simple transaction.

Amateurs, part timers, burocrats. Doing maintenance in the daytime. Not professional. Cannot recommend.

I would like to provide constructive feedback regarding my recent experience requesting a bank statement/bank confirmation for overseas investment purposes. As I am currently abroad with no access to a local branch, I clearly explained that an in-person visit was NOT possible. However, I initially received REPEATED COPY-PASTE responses from Customer Service advising me to visit a branch, which did not address my situation.

In addition, the online downloadable bank statement lacks formal details such as the bank logo and official formatting typically required for international transactions and compliance.

Although I was eventually assisted, the process still involved several e-mails again, form to fill out, 2 valid IDs, and a Zoom meeting just to obtain a bank statement, creating unnecessary inconvenience and delays due to time zone differences.

Many banks in Europe and the Middle East already provide official bank statements and certifications directly through online banking, reflecting confidence in the security and reliability of their digital banking systems.

** I hope BDO can move toward the same level of digital accessibility and convenience for clients abroad and locally.

** I hope BDO can further improve its customer support to be solution-oriented, not copy-paste replies and to enhance overall customer experience.

BDO SM NOVALICHES BRANCH ALL THE BANK EMPLOYEE DOESNT SEEMS THAT THEY LIKE TO WORK THEY RATHER TALK TO EACH OTHER..TOOK 3 HOURS FOR THEM TO PROCESS MY DEBIT CARD REPLACEMENT, CAME AT 3PM 6:09 STILL IN THE BRANCH..WORST SERVICE BDO SM NOVALICHES..DONT HAVE CHOICE BECAUSE THIS IS THE BRANCH I OPEN MY ACCOUNT 13 YRS AGO...

I live abroad and barely use only banking. No notification or email about account getting dormant. To activate it, its like you are opening an account again because of so many documents that you need to sign. Too painful on my butt to complete this plus the manager dealing with this takes ages to answer the email. It is close to 1 month now and its still unresolved. What a joke banking here.

bad customer service compared to other banks. had to chase 2 weeks of might have been very easy internal bank process. basic to savings upgrade, new CC opening and card delivery handling.

Worst bank in the world, even their customer service are confused and gives the wrong advice + don't know what to do. Just open with gotyme or gcash because BDO is useless

BDO Insurance has the worst customer service and a legit money skimming bank. I paid for my Fire Insurance as I still have an existing loan. The very next working week they send out a restructured payment schedule of my loan that includes the Fire Insurance that I already paid for. Getting them to help and rectify the issue did nothing but headache and frustration. Magaling maningil at kumuha ng pera pero sugapa sa pagbalik ng pera na hindi sa kanila.

I am a dutch national. Followed the whole withdrawal proces at the ATM at Olongapo SM mall branche.
PHP 10.000 plus the php 250 commission.
But suddenly on the screen a text that the teller could not proces the money.
I immediately checked my account and €152 was gone!! Went inside the BDO office to claim my money but the clerk spoke like a robot repeating I have to fill in a form for the claiming proces. It was very obvious that this was the fault of there rubbisch ATM. Why should I work again for the money I already worked for?!! They stole my money. I just have to hope I will receive it back. In the Philippines there is always problems with the ATM. Amateurs. But this time they just took my money.