BUSINESS ONLINE

BANKING (BOB)
USER MANUAL
For ALL BOB CORPORATE USERS

Client Bank Control Profile – With Workflow

BUSINESS
ONLINE TABLE OF CONTENTS
BANKING

Getting Started
Introduction to User Roles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
User Activation
System Administrator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Other User Roles . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6

User Navigation
For the System Administrator
Enroll Own/ Other Party Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Enroll Bills Pay Merchants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Add User . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Update User . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Add user group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Update user group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Update form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Retrieve User ID only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Unlock Corporate user . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Reset Corporate user . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Accounts and Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
For All Users
Change Password . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26
User Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
For Financial Users
Alerts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
Standard Financial Services
Summary of service description . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Services without fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Services with fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Account Portfolio . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31
Transaction History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32
Funds Transfer – Own . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33
Funds Transfer - Other Party . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34
Wire Transfer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
Outward Payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37
Checkbook Reorder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39
Stop Payment Reorder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40

BOB Frequently Asked Questions

Transactional Inquiries
FAQ 1 Verify/approve/release transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41
FAQ 2 View status of financial transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
FAQ 3 Transfer schedules . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
Enrollment inquiries
FAQ 4 Limit of account/merchant enrollment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
FAQ 5 Additional requirements for Authorizer/ Releaser user enrollment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42
FAQ 6 Enabling solutions form. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
Access Related Inquiries
FAQ 7 Forgot password . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43
FAQ 8 Forgot User ID . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45
FAQ 9 Request for Password Unlock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46
FAQ 10 Forgot Both Initial System Administrator User ID and Password . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47
Login/Logout issues
FAQ 11 Error upon log in. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48
FAQ 12 Sign out properly. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48

2
GETTING
STARTED INTRODUCTION TO USER ROLES

USER ROLES FUNCTION

- enrolls/dis-enrolls OWN or OTHER PARTY accounts

SYSTEM ADMINISTRATOR - adds/deletes users
(SysAd) - adds/deletes user group/s
- controls access of user group/s
- adds/deletes bills payment merchants
- retrieves user ID/unlocks access/resets password of all corporate users.

- initiates any financial transaction (e.g. fund transfer)

MAKER - can view account balance and transaction history of enrolled accounts

VERIFIER - reviews financial transactions made by the MAKER.

- approves financial transactions made by the Maker and/or reviewed/checked by

AUTHORIZER the VERIFIER.

RELEASER - releases financial transactions approved by the AUTHORIZER.

VIEWER - views account balances, transaction history and status of financial transactions

Note: Each user has a unique user ID specific to a user role. Viewing/functions is different from each user
role.

(e.g. System Administrator access can only view the administrative function menu, while Maker can only
view financial transactions menu, and vice versa.

3
 GETTING
STARTED
USER ACTIVATION
FOR SYSTEM ADMINISTRATOR USER ROLE

The user access activation guide will help you on your initial log in to Business Online Banking using your
System Administrator (SysAd) user access.

1. SysAd will receive a confirmation email from BDO Business Online Banking upon successful enrollment
containing the company’s CORPORATE ID/CODE.

2. Copy and paste this URL to your current browser: https://business.bdo.com.ph/fo/login

Note: BOB is best viewed with the latest versions of any of the following browsers - Internet
Explorer, Mozilla Firefox, Google Chrome and Safari.

3. You will be asked to enter the CORPORATE ID/CODE, NOMINATED USER ID and PASSWORD. Use the USER
ID and PASSWORD.
Note: If BOTH nominated user ID and password cannot be recalled, go to FAQ 10 page 47.

4. Click SIGN IN .

4
 GETTING
STARTED
USER ACTIVATION
FOR SYSTEM ADMINISTRATOR USER ROLE

5. Update your details upon initial login.

6. Review the details first before clicking SUBMIT. Click OK in the confirmation pop-up message to proceed.

5
 GETTING
STARTED
USER ACTIVATION
FOR OTHER USER ROLES

The user access activation guide will help you on your initial log in to Business Online Banking using
your own user access.
1. All newly enrolled users will be receiving two (2) separate emails from BDO Business Online Banking
containing the ff:
(1) CORPORATE ID/ CODE (2) TEMPORARY USER ID

2. Copy and paste this URL to your current browser: https://business.bdo.com.ph/fo/login

Note: BOB is best viewed with the latest versions of any of the following browsers - Internet
Explorer, Mozilla Firefox, Google Chrome and Safari.

3. You will be asked to enter the CORPORATE ID/CODE, TEMPORARY USER ID and PASSWORD.
Note: The initial password is your Personal Tax Identification Number (TIN).

4. Click SIGN IN .

6
 GETTING
STARTED
USER ACTIVATION
FOR OTHER USER ROLES

5. Update your details upon initial login.

NEW USER ID - minimum of 7 and a maximum of 20 characters, with both letters and numbers
(alphanumeric)
NEW PASSWORD - minimum of 7 and maximum of 15 characters, with at least one(1) uppercase letter, one (1)
lowercase letter, one (1) number and one (1) special character (ex. @*, ?, #)

Personal details - TITLE, BIRTHDAY, SSS/GSIS (should be 10 digits), MOBILE NUMBER fields should be
properly filled out.
Note: When selecting the birth date, select the YEAR first, then MONTH, then DATE

6. Review the details first before clicking SUBMIT. Click OK in the confirmation pop-up message to proceed.

7
 GETTING
STARTED
USER ACTIVATION
FOR OTHER USER ROLES

7. You will be redirected to the login page with confirmation of successful registration. Also, you will receive
an email confirmation within 5 minutes after access has been activated.

8. Congratulations! You have activated your BOB access. Use your NOMINATED USER ID and PASSWORD on
your next login.
.

8
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
ENROLL OWN/OTHER PARTY ACCOUNTS

This function allows the System Administrator (SysAd) to enroll Own or Other Party Account/s.

• OWN ACCOUNT – a BDO account UNDER the Company’s name (if Corporation) or
Proprietor’s name (If Sole proprietor)

• OTHER PARTY – any BDO account NOT UNDER the Company’s name (if Corporation) or
Proprietor’s name (If Sole proprietor)

STEPS:

1. Login as System Administrator (SysAd).

2. Go to Administration > Click Enrollment > Click Enroll Own or Other Party Account (whichever is
applicable)

3. Click +ADD ACCOUNT and input the required information.

4. Choose/ Input the required information.

Should be the
Should be 12 digits.
COMPLETE
Add 2 zeroes (00)
account name per
before the account
bank records
number if there are
only 10 digits.
(e.g.
001025678989)

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 SYSTEM
ADMINISTRATOR
USER NAVIGATION
ENROLL OWN/OTHER PARTY ACCOUNTS

5. Review the correctness of details. Click SAVE AND ADD ANOTHER if you want to save and add another
account number OR SAVE if you want to proceed already.

6. A confirmation page will be displayed. Click OK to confirm action.

7. If your BOB Solutions form is enabled, the system will generate an Acknowledgment Receipt with
Transaction Reference Number. SysAd will receive an email regarding the status of the additional account
number enrollment and request will be processed automatically within 2-3 banking days.

If your BOB Solutions form is disabled, you will be required to print the form and have it signed by your
authorized signatory/ies. You can forward it to your branch of account or directly send to our head office.
Once our head office receives the originally signed update form, processing will resume and will take 2-3
banking days. SysAd will also be notified via email on the status of the request once processed.

To enable BOB Solutions form, go to FAQ 6 page 43.

8. Once confirmed approved, refer to page 17 (UPDATE USER GROUP) to link the newly enrolled account to the
user account/s.

10
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
ENROLL BILLS PAY MERCHANT

This function allows the System Administrator (SysAd) to enroll merchants for online bills payment.

STEPS:

1. Login as System Administrator (SysAd).

2. Go to Administration > Click Enrollment > Click Enroll Bills Pay Merchant

3. Select Manual > Click +Add Merchant.

4. Fill-in the details of the merchant you want to add. Review the correctness of details and click
Save.

6. A confirmation page will be displayed. Click OK to confirm action.

7. Merchant will be added real time once system generates an Acknowledgment Receipt with
Transaction Reference Number. SysAd will receive an email regarding the status of the bills pay
merchant enrollment.

8. Refer to page 17 (UPDATE USER GROUP) to link the newly enrolled merchant to the user account/s.

11
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
ADD USER

This function allows the System Administrator (SysAd) to add another user.

STEPS:

1. Login as System Administrator (SysAd).

2. Go to Administration > Click Add User.

3. Under User Access, select the Role and Group.

4. Complete the personal details of the additional user. Review the details indicated and click Save or
Save and Add Another (whichever is applicable).

6. Turn around time:

For Additional MAKER/VIEWER/VERIFIER, user will be added real time once system generates
an Acknowledgment Receipt with Transaction Reference Number. SysAd will receive an email regarding
the status of the additional user. New user will also receive two (2) emails pertaining to his/her
credentials.
For Additional AUTHORIZER/RELEASER, a letter of request OR update form is needed. (see FAQ5
page 42 for the procedure). Ensure that the signatory/ies is/are part of the Secretary Certificate,
Partnership Resolution or Special Power of Attorney. Processing will resume and will take 2-3 banking
days upon receipt of originally signed update form. New user will also receive two (2) emails pertaining to
his/her credentials.

12
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
UPDATE USER

This function allows the System Administrator (SysAd) to (a) transfer a specific user to another group within
the same role or (b) delete a specific user.
STEPS:

1. Login as System Administrator (SysAd).

2. Go to Administration > Click Update User.

3. The list of users will be displayed.

a. Transfer a specific user to another group within the same role
* Choose the user for transfer and click the button across it.

* Do not change the role. Click the drop down list under Group and choose another group. (In the
sample below, a maker is being transferred from MAKER PAYROLL group to MAKER group.) Click Save.

* You will be redirected to the list of users again. Scroll down and click Next Step.

13
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
UPDATE USER

*Review the user account/s to be edited then click Submit.

b. Delete a specific user

* Choose the user for deletion and click the button across it.

* Scroll down and click Next Step.

* Review the user account/s to be deleted then click Submit.

4. A confirmation message will appear for both requests and will be processed real time.

14
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
ADD USER GROUP

This function allows the System Administrator (SysAd) to filter/limit the access of a particular group of
users by adding another user group. (e.g. Payroll Only Group)

STEPS:

1. Login as System Administrator (SysAd).

2. Go to Administration > Click Add User Group.

3. Provide a group name under Description and Select Role. (In our sample below, a new user group for
viewer is added solely for viewing the balance and transactions made on their payroll account)

4. Select the account number/s and Services you want that particular group to have access to then click
Save.

15
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
ADD USER GROUP

6. A confirmation pop message will appear. Click OK to proceed.

7. The system will generate a reference number confirming that enrollment of additional user group
has been approved.

16
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
UPDATE USER GROUP

This function allows the System Administrator (SysAd) to enable/ limit the access of a particular user group to
an approved account number, merchant or service.

STEPS:

1. Login as System Administrator (SysAd)

2. Go to Administration > Click Update User Group.

3. Select the pencil button of the group that you want to update.

4. Put a check on the account number/merchant/service you want / do not want that particular group to have
access.

17
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
UPDATE USER GROUP

5. Click Save. Do steps 3-5 for the other user groups.

6. Once user group updates have been saved, click Next Step then Submit.

NOTE: The system will generate an Acknowledgment Receipt with Transaction Reference Number for any update/s
done.

18
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
UPDATE FORM

This function allows the System Administrator (SysAd) to enroll/dis-enroll a service or dis-enroll an
account number.

STEPS:

1. Login as System Administrator (SysAd).

2. Go to Administration > Click Update Form.

3. If Account number : Click on the button across the account number to be dis-enrolled.

If Service : Tick the box across the service to be dis-enrolled.

4. Scroll down and click Next Step.

5. Click Download Update Form.

6. Print the downloaded update form and have it signed by the company’s signatory/ies. Submit the
originally signed update form to your branch of account or directly send to our head office.

19
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
RETRIEVE USER ID ONLY

This function allows the System Administrator (SysAd) to retrieve the user ID of a specific user if he/she
cannot remember his/her user ID anymore but remembers his/her password.

STEPS:
1. Login as System Administrator (SysAd).
2. Go to Administration > Click Update User.

3. All active USERs will be displayed. Inform the USER of his/her user ID for a specific role as shown in
the sample list.

20
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
UNLOCK CORPORATE USER

This function allows the System Administrator (SysAd) to unlock the access of a specific user if the user
can still remember the password, but his/her access was locked out due to invalid attempts.
STEPS:
1. Login as System Administrator (SysAd).
2. Go to Administration > Click Unlock Corporate User.

3. Leave the fields blank and click Search.

By doing this, ALL users with locked out access will be visible for unlocking. (In the sample below, only 1
user access was locked out.)

4. Click the PADLOCK ICON under “Actions” column to unlock the access.

21
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
UNLOCK CORPORATE USER

5. Click OK to proceed when prompted with below confirmation. Should you wish to discontinue,
click Cancel.

6. Scroll down the page to check if a confirmation message will appear saying that the unlocking of user
access was successful.

7. Advise the user of the access that he/she may already login using his/her OLD password.

Note: If the old password is still INVALID, SysAd may already proceed with Reset corporate user
access procedure (Refer to next page).

22
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
RESET CORPORATE USER

This function allows the System Administrator (SysAd) to reset the password of a specific user since user
cannot anymore recall the password.

STEPS:
1. Login as System Administrator (SysAd).
2. Go to Administration > Click Reset Corporate User.

Note:
• Only LOCKED OUT and ACTIVE
user accounts will be visible for
password reset

3. Leave the fields blank and click SEARCH.

By doing this, ALL users with locked out/ active access will be visible for resetting. (In the sample
below, we will reset a user access with ACTIVE status.

4. Ensure first that user ID to be reset is the correct one. Click the PADLOCK ICON under “Actions”
column to reset the access.

23
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
RESET CORPORATE USER

5. Click OK to proceed when prompted with below confirmation. Should you wish to discontinue,
click Cancel.

6. Scroll down the page to check if a confirmation message will appear saying that the resetting of user
access was successful.

7. Advise the USER of the access to check his/her email address. A TEMPORARY password will be sent to
the USER’s registered email address for updating.

24
 SYSTEM
ADMINISTRATOR
USER NAVIGATION
ACCOUNTS AND ALERTS

This function allows the System Administrator (SysAd) to set preferred names of enrolled accounts for
easier recall.

STEPS:
1. Login as System Administrator (SysAd).
2. Go to User Preferences > Click Accounts and Alerts.

3. A list of enrolled accounts will appear. Click the pencil button of the across the account for updating.

4. Input your preferred account name in the box provided. Click Submit.

5. Details will automatically be updated.

25
 ALL
USERS
USER NAVIGATION
CHANGE PASSWORD

This function allows any user to change his/her password for security purposes.

STEPS:

1. Login to BDO Business Online Banking.

2. Go to User Preferences > Click Change Password

LOGGED AS SYSTEM ADMINISTRATOR LOGGED AS OTHER USER

3. Enter Old Password and nominate a New Password.

NEW PASSWORD - minimum of 7 and maximum of 15 characters, with at least one(1) uppercase letter,
one (1) lowercase letter, one (1) number and one (1) special character (ex. @*, ?, #)

4. Confirm Password by retyping the New Password then click Submit.

NOTE: The system will generate an Acknowledgment Receipt with Transaction Reference Number for any
update/s done.

26
 ALL
USERS
USER NAVIGATION
USER PROFILE

This function allows any user to update his/her contact details registered in Business Online Banking.

STEPS:

1. Login to BDO Business Online Banking.

2. Go to User Preferences > Click User Profile.

LOGGED AS SYSTEM ADMINISTRATOR

LOGGED AS OTHER USER

3. Input your updated email address / mobile number / landline number. Click Next Step.

4. Review the updated details. Once done, enter your password and click Submit.

NOTE: The system will generate an Acknowledgment Receipt with Transaction Reference Number for any
update/s done.

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FOR FINANCIAL
USERS ONLY
USER NAVIGATION
ALERTS

This function allows any financial user to enable/disable email notifications of financial transactions.

STEPS:

1. Login to BDO Business Online Banking.

2. Go to User Preferences > Click Alerts.

3. Tick the applicable box of the alert set up you prefer per displayed service. Click Update.

4. A confirmation message will display once successfully processed.

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 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES SUMMARY OF SERVICES

ALL USERS with financial transaction capability can view the account portfolio and transaction history of
accounts linked to their access.
MAKER has the sole function of financial transaction inquiry of services that were initiated by his/her own
maker user access
VERIFIER, AUTHORIZERS and RELEASERS can view the financial transactions that were verified/
authorized/ released using their own access.

Services with NO FEES

SERVICES DESCRIPTION TRANSFER START OF PROCESSING TURN AROUND
SCHEDULE TIME OF
PROCESSING

ACCOUNT PORTFOLIO Displays list of enrolled own N/A N/A N/A

accounts with current and available
balances

TRANSACTION Displays transaction history of a N/A N/A N/A

HISTORY particular account. Time range of
transaction history can be filtered
from current day up to 90 days.
(Note: The date range of transaction
history starts from the date of
enrollment in BOB)

FUNDS TRANSFER Enables transfer of funds between 1. Immediate 1. Upon authorization Depending on
OWN enrolled BDO peso OWN accounts 2. Post dated 2. On the chosen date the chosen
and time transfer
Allows you to view status and history 3. Recurring 3. Every recurring schedule
Funds Transfer of the funds transfer schedule (daily/ weekly/
Inquiry monthly)

FUNDS TRANSFER Enables transfer of funds from an 1. Immediate 1. Upon authorization Depending on
OTHER PARTY enrolled BDO peso OWN account to 2. Post dated 2. On the chosen date the chosen
an enrolled BDO peso OTHER PARTY and time transfer
account (i.e. suppliers, contractual 3. Recurring 3. Every recurring schedule
employees, etc.) schedule (daily/ weekly/
monthly)
Allows you to view status and history
Funds Transfer of the funds transfer
Inquiry

Services with FEES

SERVICES DESCRIPTION CUT OFF FEES TRANSFER START OF TURN AROUND
SCHEDULE PROCESSING / TIME OF
LIMIT PROCESSING

STOP Enables request to stop N/A P200 N/A Upon transaction N/A
PAYMENT payment of issued checks /request
ORDER for an enrolled checking ed check
account
Stop Payment
Order Inquiry Allows you to view status
and history of stop payment
orders

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 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES SUMMARY OF SERVICES

Services with FEES

SERVICES DESCRIPTION CUT OFF FEES TRANSFER START OF TURN AROUND

SCHEDULE PROCESSING / TIME OF
LIMIT PROCESSING

WIRE Enables wire before To BDO dollar 1 Immediate 1 within the day After 3-5
TRANSFER transfer payment 12NN account banking days
from an enrolled on a - $10 2 Postdated 2 within the based on chosen
BDO dollar OWN banking chosen date transfer
account to another day To Local Bank schedule (also
peso or dollar dollar account 3 Recurring 3 within the day of dependent on
account -$10 every recurring beneficiary
schedule (daily/ bank)
To Foreign Bank weekly/monthly)
dollar account
- $10
*$25 additional
Wire Allows you to view charge if Charge
Transfer status and history of Type chosen is
Inquiry wire transfer “On-us”)

OUTWARD Enables outward RTGS – RTGS – P500 N/A Upon transaction RTGS – Within
PAYMENT payment from an 12PM the day
enrolled BDO peso PesoNet – P50 RTGS - No limit crediting if
OWN account to any PesoNet per transaction within cut-off of
local bank account – 3PM InstaPay – P25 12PM; Next
(e.g. BDO to BPI banking
transfer) InstaPay PesoNet – No crediting if
– No cut limit per beyond cut-off
Outward Allows you to view off transaction
Payment status and history of PesoNet – Within
Inquiry outward payment the day
InstaPay – crediting if
Maximum amount within cut-off of
of 50,000.00 per 3PM; Next
transaction and banking
up to accumulated crediting if
amount of beyond cut-off
100,000.00 per
bank account InstaPay – Real
including fee. time transfer

CHECKBOOK Enables reorder of N/A P500 /check N/A Upon transaction After 14 banking
REORDER commercial booklet days
checkbook/s for an
enrolled checking Note: Check
account booklets to be
Note: This service is picked up at
NOT applicable for branch of
Corporate Check account
Writing Check
Voucher request

Checkbook Allows you to view

Reorder status and history of
Inquiry checkbook reorders

30
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES ACCOUNT PORTFOLIO

STEPS:

1. Go to Standard Services then click Account Portfolio.

2. The screen will display the current and available balances of your enrolled accounts. You can download the
Statement of Account in .csv or .pdf format.

31
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES TRANSACTION HISTORY

STEPS:

1. Go to Standard Services then click Transaction History.

2. On the Search Criteria, select the Account Number and Period Covered. Then click Search. You can download the
Statement of Account in .csv, .xls or .pdf format.

*Period covered can be filtered from current day up to the last 90 days. The start date of your transaction
history is when your business was enrolled in BDO Business Online Banking.

32
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES FUNDS TRANSFER - OWN

STEPS:

1. Go to Standard Services then

click Fund Transfer - Own

2. On the Create Fund Transfer tab, type the amount to be transferred, select the source of accountand
destination accounts then choose transfer schedule. (Remarks is optional.) Click Next Step.

3. Click “Submit” to finish the transaction.

4. You will receive a confirmation of the successful creation of fund transfer transaction.
Note: The next step/s will depend on the workflow model. To view the transactions status, go to
Fund Transfer Inquiry tab.

33
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES FUNDS TRANSFER – OTHER PARTY

STEPS:
1. Go to Standard Services then
click Fund Transfer OTHER PARTY.

1. On the Create Fund Transfer tab, type the amount to be transferred, select the source of accountand
destination accounts then choose transfer schedule. Recipient’s Email Address is Optional. Click Next Step.

3. Click “Submit” to finish the transaction.

4. You will receive a confirmation of the successful creation of fund transfer transaction.
Note: The next step/s will depend on the workflow model. To view transactions status, go to Fund
Transfer Inquiry tab.

34
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES WIRE TRANSFER

STEPS:
1. Go to Standard Services and
Click Wire Transfer.

2. On the Create Wire Transfer tab, select Type of Remittance – Local, BDO, and Foreign and provide all necessary
information for Bank Details and Beneficiary Details. Click Next Step.

NOTE: There is a service charge for

the wire transfer and you will need a
dollar account as source to be able to
transfer to another dollar account or
to other currency.

*To a BDO dollar account - $ 10

*To a Local bank dollar account - $10

*To a Foreign bank dollar account - $10

($25 additional charge if Charge Type
chosen is “On-us”)

35
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES WIRE TRANSFER

3. Wire Transfer details that were indicated will appear on the next page. Check correctness of the details.
4. Click Submit.

5. A confirmation of the successful creation of Wire Transfer will display.

Note The next step/s will depend on the workflow model. To view the transactionsstatus, go to Wire Transfer
Inquiry tab.

36
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES OUTWARD PAYMENT

STEPS:
1. Go to Standard Services and
click Outward Payment.

2. On the “Create Outward Payment” tab, select Type of Remittance – RTGS (Real Time Gross Settlement), Pesonet,
or Instapay and provide all necessary information for Bank Details and BeneficiaryDetails. Click Next Step.

Note: There is a service

charge for the Outward
Payment.

Reminders:

RTGS -Php 500

Pesonet - Php 50
Available during Banking
Days

InstaPay - Php25
Available 24 x 7
Remitter / Beneficiary Name
– 30 characters only

37
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES OUTWARD PAYMENT

3. Outward Payment that were indicated will appear on the next page. Check correctness of the details.
4. Click Submit.

5. A confirmation of the successful creation of Outward Payment will display.

Note: The next step/s will depend on the workflow model. To view the transactions status, go to
Outward Payment Inquiry tab

38
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES CHECKBOOK REORDER

IMPORTANT! Checkbook Reorder option. is ONLY for the request of commercial check booklets and NOT checks with
vouchers.

STEPS:

1. Go to Standard Services then

Click Checkbook Reorder.

2. On the Create Checkbook Request tab, select the checking account number, type of checkbook and
the number of booklets to be reordered. Click Next Step.

3. Click Submit.

5. A confirmation of the successful creation of Checkbook Reorder will display.

Note: The next step/s will depend on the workflow model. Toview the transactions status, go to
Checkbook Reorder Inquiry tab.

39
 STANDARD
FINANCIAL
USER NAVIGATION
SERVICES STOP PAYMENT ORDER

IMPORTANT! Request of check cancellation will still undergo processing once done online through Stop Payment
Order. URGENT check cancellations must be immediately coordinated with your branch ofaccount.

STEPS:
1. Go to “Standard Services” then
click “Stop Payment Order”.

2. On the Create Stop Payment Order tab, select the checking account number, enter the check number, check
date, name of payee, check amount to be cancelled and reason. Click Next Step.

3. Click Submit.

4. A confirmation of the successful Stop Payment Order will display.

Note: To view the transactions status, go to Stop Payment Order Inquiry tab.

40
 BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

FAQ 1: How can I verify/ approve / release transactions?

1. Go to https://business.bdo.com.ph/fo/login and log on using Verifier/ Authorizer/ Releaser access.

2. Financial transactions that are pending for verification/authorization will be displayed under TaskList
textbox.

3. Click on the number of the financial transaction to be verified or authorized.

4. You will be re-directed to the transaction page. A reference number will display of the financial transaction
that needs to be verified or authorized. You may click on the reference number link to view the detailed
details of the payroll transaction (with account number and amountdetails).

5. Click Verify or Authorize or Release button if okay to proceed, but if there are discrepancies, select Reject
or Return to Maker . Remarks is required (reason for rejecting or returning to maker).

6. Financial transactions can be exported to PDF, CSV or XLS format.

7. Click Submit.

8. Transaction status will display. (Completely Processed, Rejected, Unsuccessful)

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 BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

FAQ 2: How can I view the status of my financial transaction?

Click on the Inquiry Tab of a financial transaction and it would display all transactions made and the
status.

STATUS DISPLAYED DEFINITION

SUCCESSFUL Transaction has been uploaded, passed through all workflow and processed
UNSUCCESSFUL Transaction has been uploaded but not processed due to an error.
REJECTED / CANCELLED Transaction was rejected by Verifier / Authorizer / Releaser
PENDING Transaction is still pending; awaiting for workflow to complete

FAQ 3: What does the Transfer schedule mean?

Financial Transactions such as Fund Transfer Own/Other Party, Wire Transfer, Payroll, ACA and ADA
has transfer schedules or processing schedule.
TRANSFER SCHEDULE DEFINITION
Immediate Transactions upon approval will be submitted for processing real time
Post-Dated Transactions upon approval will be submitted for processing on the chosen date and
time. These transactions must be approved at least a day before the crediting date.
Recurring Transactions upon approval will be submitted for processing on preferred recurring
schedule (daily/weekly/monthly). These transactions must be approved at least a
day before the crediting date.

FAQ 4: How many accounts/ merchants can be added?

For additional own account/s merchants – there is no limit
For additional third party accounts – there is a limit of 30 accounts per BOB profile

FAQ 5: Are there additional requirements for authorizer/ releaser user enrollment after I did it online?
Yes. Both authorizer and releaser enrollment requires a form signed by your signatory/ies in order to
proceed.
* If there is NO print option (solution form is enabled) - prepare signed letter of request (LOR)
containing the ff: (1) Company name
(2) Corporate code
(3) Reference number generated
(4) Name of additional users (authorizer/releaser) to be enrolled

* If there is a PRINT OPTION (solution form is not enabled) – print the update form and have it signed
by your authorized signatory/ies.

Send the LOR or UPDATE form to your branch of account or directly to our head office.

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 BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

FAQ 6: How do I enable my BOB Solutions form in order to eliminate sending of update form every time I
enroll a new account?
You may contact us by calling/sending an email to get the complete procedure and required
form/s in enabling this feature.

FAQ 7: I have not used my access for quite a while. What do I do if I already forgot my nominated password,
but I still know my user ID?

1. Click “Forgot Your Password?” on the BDO Business Online Banking login page if password can
no longer be recalled.

2. Input the CORPORATE CODE and USER ID* in the mandatory fields provided then click SUBMIT.

* To ensure correctness of the details, a USER may check these credentials with their System
Administrator (SysAd).
3. A One-Time-Password (OTP) will be sent ONLY to your registered mobile number. Enter the
OTP and click SUBMIT to confirm.

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BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

4. You will now be required to nominate a new password. Password must be a combination of at
least 1 uppercase, 1 lowercase, 1 number and 1 special character (e.g. Bdo1234@).

Enter the NEW PASSWORD, CONFIRM BY RETYPING NEW PASSWORD and click SUBMIT.

5. A confirmation message will appear showing that password change was successful and will
redirect you back to the login page.

6. You may now enter the company’s BOB CORPORATE CODE, USER ID and NEW PASSWORD,
then click SIGN IN.

Same corporate code

Same user ID
New password

44
 BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

FAQ 8: I have not used my access for quite a while. What do I do if I already forgot my user ID, but I still
know my password?
1. Click “Forgot Your User ID?” on the BDO Business Online Banking login page if User ID can no
longer be recalled but still knows password/ System Administrator is unavailable.

2. Input the company’s BOB CORPORATE CODE, your PASSWORD and your BIRTHDAY in the fields
provided then click SUBMIT.

3. Click OK to proceed when prompted with below confirmation. Should you wish to discontinue,
click Cancel.

4. The existing User ID will now be sent to your registered email address.

5. You may now log in using the retrieved user ID.

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 BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

FAQ 9: I have not used my access for quite a while. What do I do if I can still recall my password, but my
account was locked out due to my invalid attempts?
1. Click “Request for Password Unlock?” on the BDO Business Online Banking login page if USER can
still recall password but got locked out due to several invalid attempts.

2. Input the company’s BOB CORPORATE CODE and USER ID in the fields provided then click SUBMIT.

3. Click OK to proceed when prompted with below confirmation. Should you wish to discontinue, click
Cancel.

4. A ‘One-Time-Password’ (OTP) will be sent ONLY to your registered mobile number. Enter the OTP and
click SUBMIT to confirm.

5. Once done, a confirmation will be displayed saying that your access has been unlocked.
You may now re-login using the correctly recalled password.

46
 BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

FAQ 10: I am a System Administrator cannot recall anymore my User ID and password that I initially nominated
during the online registration. How can I retrieve these?

1. You can request for your initially nominated user ID from your implementation officer during the
training. Go to page 49 for our contact information.

2. Once User ID has been retrieved, lock out the access by inputting passwords for 6 attempts.

2. Once access is already locked out, follow steps in FAQ 7 page 43.

47
 BUSINESS
ONLINE
FREQUENTLY ASKED QUESTIONS
BANKING

FAQ 11: I have been prompted by this error message when I try to log in : “YOU HAVE BEEN REDIRECTED TO
THE LOG IN PAGE DUE TO MULTIPLE SESSIONS DETECTED. PLEASE CLOSE AND REOPEN YOUR BROWSER
TO LOG IN AGAIN. THANK YOU.” What do I need to do?

This means user has not logged out properly and is currently logged in. User can clear cache/ clear
browsing history before closing all browsers then relaunch using the same browser or new browser (e.g.
Use Mozilla Firefox / Internet Explorer / Google Chrome/Safari).
FAQ 12: How can I log out from my Business online banking account?

The log out button is located on the upper right of the screen and is an on and off button.

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SECURITY TIP