Privacy Policy


In relation to BDO's commitment to protect your bank information and your banking transactions, BDO employs the following security measures every time you access your BDO Electronic Banking account and perform your banking transactions. BDO Electronic Banking refers to services done through the following channels: Online Banking, Mobile Banking and Phone Banking.




BDO employs an industry-standard firewall system to ensure that the BDO Electronic Banking infrastructure is protected from untrusted network access.




BDO Electronic Banking is Verisign Certified. Our official website is Do not access your BDO Electronic Banking account from other links to protect against phishing.




Authentication ensures that only authorized users can access the BDO Electronic Banking services by verifying the identity of the user.



This is the process of scrambling private information to prevent unauthorized access. Our system makes use of SSL (Secured Socket Layer) to ensure that all your Online Banking transactions are encrypted. SSL is a cryptographic protocol that provides security and data integrity for communications over networks such as the internet.






User has to fill out the enrollment form and activate his BDO Electronic Banking account following the guidelines set by BDO from time to time on account activation.

2.      ACCESS


Access to BDO Electronic Banking is allowed only after the user has entered the correct login information. The Online Banking system automatically logs off the user after the prescribed time of inactivity. As an added security, BDO Online Banking does not allow simultaneous login sessions.




a. Login Information

BDO Electronic Banking requires two (2) login information: (1) User ID and (2) Password/PIN, which are both assigned by the user. For BDO Online Banking, One-Time Password (OTP) and/or Challenge Question is an additional requisite for access.


b. Password Handling

i.        The system requires several layers of security checks to validate the user�s identity when requesting for password change.

ii.      If the user has forgotten his/her password, he/she may change his password only upon provision of the correct answers to the set of challenge questions.


The user must not disclose his/her password or any account information to anyone. The user must create a password that is unique to himself/herself and cannot be easily guessed by others. Avoid using names, birth dates, etc. as passwords.



The user voluntarily submits personal information to BDO for use in his Electronic Banking transactions and in conformity with the provisions of, but not limited to, the Bank Secrecy Law, the General Banking Act and the Anti-Money Laundering Act (AMLA).


The user undertakes to submit any change or update in his personal information. As an additional security feature of the BDO Online Banking service, an approval code is required for any change or update of personal information. Should the information update be coursed through the branches, a signed written request is required to be submitted to the branch of account.


The user undertakes that he/she will employ reasonable means to ensure the security of his/her electronic banking transactions.


By enrolling and/or using the BDO Electronic Banking service, the user agrees to be governed by this Privacy Policy.BDO may amend, modify and/or supplement the Privacy Policy from time to time.The user undertakes to check his/her e-mail and the BDO website for any changes in the Privacy Policy.The continued use by the user of the BDO Electronic Banking service will constitute acceptance of the revised and/or modified Privacy Policy. This Privacy Policy should be read and/or taken in conjunction with the BDO Electronic Banking Terms and Conditions.

BDO Unibank, Inc. © 2015. All Rights Reserved
Version 2011-06-03