Most Filipino families already know BDO. Banco de Oro is where the savings go, where tuition gets paid, where money from abroad lands. If your family has a BDO account, you can send money to BDO from the USA with ShareMoney. A few minutes on your phone. Your first transfer is free up to $500.
For a broader look at options, including cash pickup and mobile wallets, see the complete guide to sending money to the Philippines.
What is BDO?
BDO is Banco de Oro Unibank, the largest retail bank in the Philippines by assets. Founded in 1968, it is part of Henry Sy’s SM Group and operates more than 1,600 branches and 4,400 ATMs across every province. It is the most common bank Filipino families use for receiving remittances, largely because you can access funds almost anywhere in the country.
Can ShareMoney send money directly to a BDO account?
Yes. ShareMoney sends directly to BDO Unibank accounts as a bank deposit. No remittance center, no pickup location. You enter the account number and the funds go straight to their account. Most transfers arrive within minutes to a few hours, depending on the payment method and BDO’s processing on the receiving end.
How to send money to BDO from the USA: step by step
- Download the ShareMoney app from the App Store or Google Play.
- Create your account and verify your identity. A valid US ID is enough, and it usually takes a few minutes.
- Select Philippines as the destination.
- Choose “Bank deposit” as the delivery method.
- Enter your recipient’s BDO account number and full name exactly as it appears on their account.
- Pick your payment method (debit card, bank account, or credit card) and confirm.
First transfer free up to $500 with a debit card.
Six steps, a few minutes, and the money is in their account.
What you need before you send
Two things from your recipient: their full name as registered at BDO, and their account number (10 digits). Have the amount in USD ready and pick a payment method. Debit card is the right choice for the first transfer since that is what the free offer applies to.
No in-person visit required. No paper forms.
Fees and exchange rate
Your first transfer is free up to $500 with a debit card. The USD to Philippine peso exchange rate is shown live in the app before you confirm, so you see exactly what lands in the account before committing. After the first transfer, there is a small fee, shown before you confirm.
Western Union and Remitly both cover BDO deposits, but they typically charge more, and the total cost is not always visible upfront. Check the rate in the app before you send.
Preguntas frecuentes
Does ShareMoney support BDO bank deposits?
Yes. ShareMoney supports direct bank deposits to BDO Unibank accounts across the Philippines. You only need your recipient’s account number and full name. No branch code required.
How long does a BDO transfer take with ShareMoney?
Most transfers to BDO arrive within minutes to a few hours. Delivery time depends on the payment method selected and BDO’s processing schedule on the receiving end.
What information do I need to send money to a BDO account?
Your recipient’s full name as registered at BDO and their 10-digit BDO account number. No SWIFT code or branch code is needed for a domestic BDO deposit.
Is there a fee to send money to BDO from the USA with ShareMoney?
When you send money to BDO from the USA with ShareMoney, your first transfer is free up to $500 with a debit card. After that, a small fee is shown before you confirm.
Can I also send money to GCash instead of BDO?
Yes. If your recipient uses a mobile wallet, you can send money to GCash through ShareMoney as well.
What if my family prefers to receive cash?
ShareMoney also covers cash pickup and padala to the Philippines for families who prefer in-person collection.
Send your first transfer to BDO today
Download ShareMoney, enter your recipient’s BDO account number, and send. Your first transfer of up to $500 is free. Your family does not have to wait.
