BDO

BDO PERA Annual Contribution Limit Increase

Following the directive of the BSP, I received an email today from BDO stating that the limit for my annual contribution to my PERA account with them has increased from P100,000 to P200,000.

This is timely — with the elevated inflation rates in the past year or so, we’d better have enough come retirement age. Plus, this is an opportunity to average down faster with our PERA account subscriptions being down in the past 3 years.

BDO Online Mobile ‘ADD DEVICE’ Message Sending Failed

Did I already tell you how awful and trash-worthy BDO Online Banking is? Yet, no matter how bad it is, it has been your bank of choice, because you thought they find ways.

Installing the Mobile App

You installed the mobile app, and done with your mobile app only password. When you login, it asks for your OTP. But instead of receiving the OTP directly, you received a message from (02) 25678 that you need to reply with ‘ADD DEVICE’ instead. Only then will they text you your OTP.

But replying with ‘ADD DEVICE’ the message failed sending no matter how many times you tried.

The Solution

Instead of solving the problem directly, BDO Unibank offered a solution in a Facebook comment, which involves:

How BDO deserves the trash

Can you imagine receiving a marketing email, and the only method to opt out of such emails you’ll have to call their hotline?

That’s how brainless BDO is to do such a stupid thing to its customers. No 1-click unsubscribe link, you must call their customer contact center, expect to get through for God knows how long, and expect the person at the other end of the line to sell you more of their stupid products!

That’s how BDO deserves the trash. Even more — report as SPAM! I’ll set up a filter so that all their emails go directly to spam folder.

No, BDO deserves to be reported as spam, so that Google knows they are a bank full of spam!

Philippine Banks and Their Technology

Banks should be in the bleeding edge of technology. But in the Philippines, they might not be as advanced as we’d like them to be.

Take for example the experience I had while managing my account with BDO Online Banking. Every so often, their system requires password change.

Their password change page details the valid password that the system can accept. The third item says passwords must contain uppercase, lowercase, number and special characters. But then, special characters such as [!#$%^&';"] are not allowed.

My questions:

  • Why not allow the characters: [!#$%^&';"]?
  • Wouldn’t it have been more helpful if you enumerated the set of special characters I can choose from to use in my password instead?
  • I use a password manager. After copying my password from my password manager, why don’t you allow pasting into these fields from my clipboard?

My concerns may seem so trivial, but trivial things like these make or break a great online banking experience.

Scroll to Top