How to Transfer Money from BDO To PayMaya for Free?

Hey, wondering how I can transfer money from my BDO to Maya without any fees? Let’s explore the step by step guide together to make this money move simple and cost-effective. Check out the below guide

BDO To Maya Free Transfer: Step by Step Guide

There are three different ways to move funds from one account to another, and it does not incur any transaction fees.

Method 1: Via the Maya App

Step 1: Open the Maya App

On the Maya app, tap on ‘Cash in.’

Step 2: Select Bank Account

From the available options, click on ‘Bank account’ and choose BDO.

Step 3: Enter Amount

Enter the cash-in amount you want to send and click on ‘Continue.’

Step 4: Authenticate on BDO

Once you hit ‘Continue,’ you’ll jump to the BDO portal. Enter your BDO Login details and complete the requirements. (Reminder: Download the NEW BDO Online app & reset your password to start.)

Step 5: Pay to Xendit

Select the fund source and confirm. The amount will be transferred from your BDO Online account to Maya.

Transfer Limit:

You can cash in an amount between ₱500.00 to ₱20,000.00 per transaction, but keep in mind your Maya account’s daily and monthly cash-in limits. After the transaction, your BDO account won’t be linked to Maya.

Transfer Time:

The processing time on BDO’s end may take up to 3 minutes.

For a smooth experience, ensure you have the latest BDO Online app. If you encounter a login error while trying to cash in to Maya, a quick fix is to reset your password using the new BDO Online app.

Download the new BDO Online app
Learn how to reset your BDO password

Method 2: Via Instapay

Step 1: Log into Your BDO Account

To begin, log into your BDO Personal Banking or Mobile Banking account. Enter your username and password to access your account securely.

Step 2: Choose the Send Money Option

Navigate to the ‘Send Money’ menu and select ‘To Another Local Bank.’ This option allows you to transfer funds to Maya Philippines, Inc.

Step 3: Select Maya Philippines, Inc. as the Recipient

From the drop-down menu, locate and choose ‘Maya Philippines, Inc.’ as the recipient for your fund transfer.

Step 4: Fill in the Transaction Details

Complete the required details for the transaction. This includes the amount you wish to transfer and any other necessary information.

Step 5: Enter the One-Time Pin (OTP)

Upon initiating the transaction, you will receive a One-Time Pin (OTP) on your registered phone number. Enter this unique code to verify and secure your transaction.

Step 6: Confirm Transaction Details

Double-check all the entered details to ensure accuracy. Confirm that the transaction information is correct before proceeding.

Step 6: Receive Notification of Successful Transaction

Once the transaction is successfully processed, you will receive a notification via SMS confirming the completion of the fund transfer.

Additional Information:

  • The minimum amount you can add funds is Php100.
  • The maximum amount for each transaction is set at P50,000.

Method 3: Via Over-the-Counter

Step 1: Visit a BDO Branch

Start by visiting any BDO branch. This is where you’ll carry out the over-the-counter transaction to add money to your Maya account.

Step 2: Fill Out a BDO Cash Transaction Slip

Upon reaching the branch, locate and fill out a BDO Cash Transaction Slip. This form is essential for processing your over-the-counter transaction.

Step 3: Check the “Bills Payment” Box

In the provided options, locate and check the “Bills Payment” box on the form.

Step 4: Provide Necessary Information

Now, furnish the required information for the transaction:

  • Company Name: Maya Philippines, Inc.
  • Subscriber’s Name: Your registered Maya name.
  • Subscriber’s Account No.: Enter your 12-Digit Maya Number or your number starting with 639.

Include the specific transaction amount you intend to add.

Step 5: Present the Form and Payment to the Teller

After completing the form, proceed to the teller counter. Hand over both the filled-out BDO Cash Transaction Slip and the corresponding payment for your desired transaction.

Step 6: Wait for SMS Confirmation

Before leaving the branch, wait for the SMS confirmation that will be sent to your registered phone number. This confirmation ensures the successful completion of your transaction.


  • The minimum amount you can add to your Maya account via over-the-counter is PHP500. This ensures that your addition of funds meets the required minimum threshold.

BDO To Maya Not Working? Check These Solutions

If you’re facing issues with transferring funds from BDO to Maya and it’s not working, here are a few steps to troubleshoot the problem:

1) Check Your Internet Connection

Ensure that you have a stable internet connection. Unstable connections may interrupt the transaction process.

2) Verify Account Details

Double-check the account details you entered. Ensure that the Maya account number and other information are accurate.

3) Confirm Sufficient Funds

Ensure that your BDO account has sufficient funds to cover the transfer amount.

4) Check Transaction Limits

Be aware of the daily and monthly transaction limits set by both BDO and Maya. Confirm that your transfer falls within these limits.

5) Update BDO Online App

Make sure you are using the latest version of the BDO Online app. Outdated versions may have compatibility issues.

6) Password Reset

If you encounter a login error, reset your password on the BDO Online app for a fresh start.

7) Contact Customer Support

If the issue persists, reach out to the customer support of both BDO and Maya for assistance.

By following these steps, you should be able to identify and resolve the issues preventing the BDO to Maya transfer.

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