USD
PHPZero fee on your first 3 transfers when you pay with a debit card, up to 500.00 USD each. The promotional exchange rate applies to your first transfer only. This offer cannot be combined with other promotions. Credit cards add 3%.Above $500 the standard rate and fee apply.
The peso weakened to ₱63.31 per dollar on November 9 from ₱63.055 on November 6, after Philippine third-quarter growth came in below expectations at 2.1%. October inflation also accelerated to 7.8%, raising concerns about further monetary tightening. Source: tribune.net.ph
Updated November 9, 2026
Rate at banks and stores: M Lhuillier
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The dollar exchange rate at BDO depends on what you are doing. If your family receives a remittance in a BDO account, the rate is set by the company that sends the money, not by BDO. On November 9, 2026, Sharemoney pays 62.26 pesos per dollar, or 64.96 on a first transfer.
If you are exchanging cash dollars at a BDO branch, BDO uses its own forex board: on November 6, 2026 at 9:05 a.m., BDO bought US dollars at ₱62.70 and sold them at ₱63.20.
BDO Buy and Sell Rates vs. the Remittance Rate
BDO publishes a “Bank’s Buy Rate” and a “Bank’s Sell Rate” for each currency. The buy rate is what BDO pays when you hand it dollars. The sell rate is what you pay to get dollars. BDO says these rates are indicative and can change during the day, so the branch confirms the final price.
| Rate type | pesos per dollar | Who it applies to |
|---|---|---|
| BDO buy rate (buys your dollars) | 62.70 | Someone exchanging cash dollars at a branch |
| BDO sell rate (sells you dollars) | 63.20 | Someone buying dollars in the Philippines |
| Sharemoney transfer to a BDO account | 62.26 (64.96 on a first transfer) | Your family, when you send from the USA |
A branch rate only helps if someone in the Philippines already holds cash dollars. When you send from the USA, the number that matters is the transfer rate minus the fee. You can check BDO’s board on the BDO foreign exchange page.
How Much Your Family Receives in a BDO Account
These examples use Sharemoney’s rate for bank deposits to BDO on November 9, 2026. The money arrives in pesos.
| You send | Your family receives (standard 62.26) | Your family receives (first transfer 64.96) |
|---|---|---|
| $100 | 6,225.65 PHP | 6,496.47 PHP |
| $200 | 12,451.30 PHP | 12,992.94 PHP |
| $300 | 18,676.95 PHP | 19,489.41 PHP |
| $500 | 31,128.25 PHP | 32,482.35 PHP |
How to Send Money to a BDO Account in 5 Steps
- Download the Sharemoney app and create your account with your phone number.
- Choose the Philippines and select Bank Deposit as the delivery method.
- Pick BDO (Banco de Oro) and enter the account number and full name exactly as BDO has them.
- Enter the amount in dollars and check the exact pesos before you pay.
- Pay with your debit card, credit card or bank account and track the deposit in the app.
See BDO deposit details on the Sharemoney BDO page. For the full process, read our guide to sending money to BDO from the USA.
Compare the Dollar Exchange Rate at BDO Before You Send
| Provider | Fee | Exchange rate | Your family receives |
|---|---|---|---|
| Sendwave | $2.99 | 62.39 | 15,412.06 PHP |
| Sharemoney | $3.99 | 62.26 | 15,315.72 PHP |
| Ria | $4.00 | 62.04 | 15,262.77 PHP |
| Western Union | $4.99 | 61.54 | 15,078.43 PHP |
The rate your family gets on a transfer to BDO depends on the company that sends it. Rankings change during the day, which is why the table shows the date and time each rate was collected.
What Your Family Needs to Receive the Deposit
- An active BDO account in Philippine pesos.
- The account number, which appears in the BDO app and on the passbook or statement.
- The account holder’s full name, written the same way BDO has it.
If your family prefers cash, Sharemoney also pays cash at BDO branches. Pickup works with a valid ID and the reference number from the app.
The 1% Remittance Tax and How to Avoid It Legally
Since January 1, 2026, the USA charges a 1% federal excise tax on remittances paid in cash, by check or by money order. Transfers paid with a debit card, credit card or US bank account are exempt. The IRS explains the excise tax rules in Publication 510. Sending to BDO from an app with your card keeps that 1% in your family’s pocket.
Frequently Asked Questions
What is the dollar exchange rate at BDO today?
For remittances to a BDO account, the rate is set by the sending company. On November 9, 2026, Sharemoney pays 62.26 pesos per dollar (64.96 on a first transfer). For cash at a branch, BDO bought dollars at ₱62.70 on November 6, 2026.
Does BDO charge my family to receive a remittance?
With Sharemoney, you see the full cost before you pay and your family receives the exact pesos shown in the app. If you have doubts about account charges on BDO’s side, ask the branch.
How long does a deposit to BDO take?
Deposit times vary by bank and by the time of day, and the app shows the expected arrival time before you pay. A first transfer or a large amount can take longer if an extra identity check is needed.
How much does it cost to send money to BDO?
With Sharemoney, a bank deposit to the Philippines costs $0.99. Your first 3 transfers on Sharemoney are fee-free with a debit card, up to $500 each. Credit cards add 3%.
Get the Real Dollar Exchange Rate at BDO with Sharemoney
So your family gets more at BDO, compare the rate and the fee before you send. BDO’s counter rate does not change what your family gets from a remittance. What changes it is the rate and fee of the company you send with. Sharemoney shows both before you pay, and the money lands in their BDO account in pesos. See every option on the Sharemoney Philippines page.
Related reading: How to send money to the Philippines from the USA · How to send money to GCash from the USA
