BDO Personal Loans

Banco De Oro Unibank, Inc

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BDO Unibank
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BDO Unibank the country’s leading bank in terms of assets. According to The Bangko Sentral ng Pilipinas in September 2017 the state of the assets is 2,484,620.57 PhP.

1. Age

Age from

2. Time to review

From application to receipt of money

3. Other conditions

Product Overview

Product Name:BDO Personal Loan
Minimum Amount of Loan:PHP 10 000
Maximum Amount of Loan:PHP 1 000 000
Minimum Loan Tenure:6 months
Maximum Loan Tenure:36 months
Early Repayment:Possible early payment of the loan
Payment Options:Pay your credit by issuing checks with expiration dates, automatic debiting, a branch account, a BDO online account, telephone banking and payment of SM bills
Debt consolidation:None

Eligibility and Requirements

Age Range of Borrower:21-70 years old
Minimum Annual Income:PHP 120 000
Income Requirement Remarks:Gross Monthly Income of PHP20,000.00 or it's US Dollar equivalent
Employment / Work Status:2 years continuous / employment contract; 3 years continuous / employement for domestic helpers
Borrower has to have Credit Card:None
Guarantor Required:None
Collateral Required:None
Other Requirements:Should have an existing deposit account with BDO.
Need to Open Linked Bank Account:None

Application and Approval

Application Channel:BDO Unibank
Approval Duration:7 to 10 business days
Approval Duration Remarks:None

Fees and Charges/Penalties

Loan Processing and Dispersal Fees:PHP 1 300 deducted from loan proceeds
Early Repayment Penalty:Pay off your outstanding balance but with a corresponding fee
Late Payment Penalty:PHP 300 or 5% of the unpaid installment due, whichever is higher.

Interest Rates Offered

Product Name:Interest RateEffective Interest RateInterest Type
Product name - 6 months2.00%40.05% p.aMonthly Rate
Product name - 12 months2.00%41.71% p.aMonthly Rate
Product name - 18 months2.00%41.51% p.aMonthly Rate
Product name - 24 months2.00%40.89% p.aMonthly Rate
Product name - 36 months2.00%39.43% p.aMonthly Rate

About Banco De Oro Unibank, Inc (BDO Unibank)

In the Philippines for many citizens of this country, Banco de Oro is one of the most popular banking structures. Providing services in the complex, offering a wide range of banking services on the market, this financial institution has its own history.

Distinguished by a high level of reliability, occupying a leading position in the banking structure of the Philippines, BDO was able to expand the client base:

  • Skillfully using modern financing tools for a wide range of population groups.
  • Providing a full range of advanced services and popular banking products.
  • Loans to the consumer and corporate loans.
  • Carrying out brokerage and foreign exchange operations.
  • Investing, forming trustful relationships with customers and partners.
  • Issuing credit cards.
  • Managing corporate cash flows.
  • Operationally making money transfers in the Philippines.

But where did the story of this successfully developing banking structure begin? What are the advantages of the products and services provided? It is worth considering the activities of BDO from the very beginning of the existence of a prosperous bank in the Philippines.

History of the Bank

It was organized by BDO Unibank in 1968 on 02 January. In the beginning, Acme Savings Bank was established, having a couple of branches in Manila. But after a short period of time, at the end of 1976 Acme acquired the group Sy, renaming the company in Banco de Oro Savings and Mortgage Bank. Already at the end of 1994, BDO acquired the status of a commercial financial institution. The company was renamed Bank Banco de Oro. Two years later, in 1996, BDO became a universal bank. The name of this bank BDO Unibank was changed to the current name of Banco de Oro Universal Bank. A financial institution successfully developing in the Philippines belongs to the Sino-Philippine business.

Today the bank provides popular products and services, serving customers in corporate and retail segments of the market. The bank is a merger of several financial institutions (Banco de Oro-Equitable PCI Bank). Having conferred, Equitable PCI Bank and Banco de Oro Universal Bank expressed their mutual consent to unite – the moment of the merger occurred in 2006 on December 27. And only in 2010, Banco de Oro managed to change the existing name to BDO Unibank. You can find among the names of the popular in the Philippines bank, like Banco De Oro Unibank or Banco De Oro, and BDO Unibank or simply Banco De Oro BDO. But more often they often use the simple abbreviation BDO.

The bank’s service is successfully engaged in lending, where in addition to corporate companies and medium-sized businesses, consumer loans are issued. Everyone will be able to place in the bank not only a deposit or make an operative exchange of currencies, but also get a credit card, perform a transfer of funds.
Having subsidiaries as part of the service, the service offers a comprehensive approach, providing quality services for both leasing and financing, as well as solving investment issues. If necessary, it is proposed to use private banking services. The company also specializes in banking insurance, provides insurance brokerage services, providing full stock exchange brokerage services.

Property on BDO

If we consider the bank’s property, its main assets, then the majority of the shares belong to SM Investments and is about 40.87% of the Corporation. The other part of shares is distributed among the Corporations (in percentage terms): Multi-Realty (8.81), Sybase Equity Investments Corporation (5.14) and Shoemart (2.10).

Main branches and ATMs of Banco de Oro

Offering insurance products, the most favorable loan conditions, the bank successfully conducts operations with securities and foreign currency. In order to quickly get acquainted with the main branches and location of Banco de Oro ATMs, it is recommended to use the online locator by visiting the official website of BDO Bank. According to the existing statistics, there are more than 1 thousand branches of the bank (with the schedule in the departments from 8:00 to 17:00). At the same time, there are more than 3,500 operating ATMs that will help to quickly solve financial problems, cash out the required amount of missing cash.

A more comfortable and reliable search for the nearest BDO atm or branch ATM at the location is recommended to be carried out using the map-location of the official Banco de Oro website used by ATM/branch customers on the official website. After specifying information about your actual location, selecting the region and locality – quickly find the nearest point (the desired branch or ATM) in the search. The necessary branch of this bank can be found at any time and regardless of location, simply by entering the name in the online search locator.


Bank branches

Number Office address Mode of operation Company name
1 1359-1361 Soler St. Sta. Cruz, Manila 9:00 am to 6:00 pm BDO Branches Manila
2 733 T. Alonzo St., Manila 8:30 AM to 5:30 PM BDO Branches Manila
3 411 Quintin Paredes St., Binondo, Manila 9:00 am to 6:00 pm BDO Branches Manila
4 2325 Rizal Avenue corner Antipolo St. Sta. Cruz Manila 9:00 am to 6:00 pm BDO Branches Manila
5 132 Carlos Palanca St., Quiapo, Manila 8:30 AM to 5:30 PM BDO Branches Manila
6 CM Recto Avenue corner Nicanor Reyes St. Manila 9:00 am to 6:00 pm BDO Branches Manila
7 1059 C.M. Recto Avenue corner Reina Regente St. Binondo, Manila 8:30 AM to 5:30 PM BDO Branches Manila
8 2070 C.M. Recto St., 1008 Sampaloc, Manila 8:30 AM to 5:30 PM BDO Branches Manila
9 Nos. 822, 824 & 826 Carmen Planas St., Brgy 269, Zone 25, District 3, Manila 8:00 AM to 5:00 PM BDO Branches Manila
10 1033-1035 C. Planas St., 1012 Tondo, Manila 8:30 AM to 5:30 PM BDO Branches Manila
11 921 Carmen Planas St. corner Zaragosa St. Tondo, Manila 8:30 AM to 5:30 PM BDO Branches Manila
12 1724 V. Fugoso St., Brgy. 311 Zone 31, District 3, Sta. Cruz, Manila 8:30 AM to 5:30 PM BDO Branches Manila
13 Dioresa Plaza, Dapitan St. corner A.H. Lacson Avenue, Sampaloc, Manila 8:30 AM to 5:30 PM BDO Branches Manila
14 BDO Bldg., Dasmariñas St., Binondo, 1006 Manila 8:30 AM to 5:30 PM BDO Branches Manila
15 No. 116-120 C. Palanca St. Quiapo, Manila 9:00 AM to 6:00 PM BDO Branches Manila
16 SHC Tower 619 Elcano St. San Nicolas, Manila 8:30 AM to 5:30 PM BDO Branches Manila
17 Carmen Bldg. Espana corner G. Tolentino St. Sampaloc, Manila 9:00 am to 6:00 pm BDO Branches Manila
18 2101-2103 España corner Blumentritt St. 1008 Sampaloc, Manila 8:30 AM to 5:30 PM BDO Branches Manila
19 Esperanza Place, España Blvd., corner M. dela Fuente St., Sampaloc, Manila 8:30 AM to 5:30 PM BDO Branches Manila
20 811-813 Sabino Padilla St. (formerly Gandara St.) Sta. Cruz , Manila 9:00 am to 6:00 pm BDO Branches Manila


The citizens of Philippines aged

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Go to the website «», select the amount and term of the loan and press the “Apply now” button. Fill out the form and accept the terms of the loan. Get the money to the specified bank account.

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Ruby barros
Ruby barros

I just want to have an update on my personal loan approval

Iren from AllTheBestLoans

Hello! You can verify this information by calling (02) 631 8000 or writing to [email protected].

Ruby barros
Ruby barros

I just want to have an update on approval of my personal loan