Moving money from a BDO deposit account into a Maya wallet is one of the most common wallet top-ups in the Philippines, and the BDO Online app handles it through the interbank transfer service called InstaPay. Maya used to be called PayMaya, so you will still see both names in older tutorials, in bank drop-down lists and in the way people talk about the app. This guide walks through the transfer from the point of view of someone who already banks with BDO and already has a Maya wallet, and it explains what each screen is asking for so you can complete the transfer without guessing.
The steps below describe the general flow. BDO updates its apps from time to time, so labels such as the name of the transfer menu may differ slightly on your phone. When your screen disagrees with this article, trust the screen.
What to prepare before you open the app
Start by confirming that your BDO Online access is active. You need to be able to sign in with your username and password or with the biometric or passcode option you enabled on your registered phone. If you recently changed phones or reinstalled the app, finish the device registration first, because the transfer screen will ask for a one-time password or a confirmation on your registered device and you do not want to discover a registration problem halfway through.
Next, have the recipient's Maya mobile number ready. If you are topping up your own wallet, open Maya and look at the number tied to your account so you can copy it exactly as it appears. A single wrong digit sends the money to somebody else's wallet or causes a rejection, and the transfer cannot simply be cancelled once the bank has debited your account.
Finally, check that the account you plan to use has enough balance for the amount plus any service charge shown on the review screen. The charge, if there is one at the time you transfer, depends on BDO's current schedule and not on Maya, so the confirmation page is the only reliable place to see it.
Step by step: sending the transfer
Open the BDO Online app and sign in. From the main menu choose the Send Money option. Older versions label the interbank route as To Another Local Bank, while newer versions group it under a heading that mentions other banks and wallets. Either label leads to the same kind of form.
If the app offers saved templates, you can proceed without a template for a one-off transfer. A template is simply a stored set of recipient details that saves typing next time.
On the form, pick the account you are sending from and enter the amount. For the destination, open the bank list and choose the Maya entry. In recent lists it reads Maya Philippines, Inc., and in older lists you may see the name PayMaya Philippines, Inc. followed by a note about InstaPay. Both point to the same wallet operator. Then enter the recipient's Maya mobile number as the destination account number, using the format the field asks for.
Add a short purpose, such as top up or payment. The wording is free, so keep it simple. Some app versions also require a template name and description when you choose to save the details. After filling in the form, tap confirm to reach the review page.
Reading the review screen carefully
The review screen is the most important page in the whole process. It lists the source account, the amount, the destination bank, the destination account number and the service charge, if any. Compare the destination number against the number in Maya one digit at a time. Many failed or misdirected transfers come from a transposed pair of digits that was visible on this very screen.
Notice also whether the screen mentions InstaPay. InstaPay credits the receiving account in real time, which is why wallet top-ups from banks usually appear within moments. If the screen shows a different transfer type, stop and read it, because a slower batch type behaves differently from the instant one.
Authorizing the transfer
When you continue, BDO asks you to authorize the transaction. Depending on your setup this means a one-time PIN sent by text message to your registered number, a code produced by the app, or a prompt to confirm with your biometrics or passcode. Never share this code with anyone, including people who claim to represent BDO or Maya. Genuine support staff do not ask for it.
If the code does not arrive, do not tap the button repeatedly. Wait a short while, request a fresh code once, and then check your phone signal and message settings.
After you send: confirmation and checking Maya
A successful transfer ends with an on-screen confirmation and, in most cases, an email and a text message from BDO. Save or screenshot the reference number, because it is the key detail support teams ask for if anything goes wrong. The recipient wallet normally receives a text notice from Maya, and the balance inside the Maya app should rise shortly afterwards.
If the money has left your BDO account but the Maya balance has not changed after a reasonable wait, read the dedicated troubleshooting guide on this site about transfers that leave BDO but do not show in Maya. Do not send the same amount again until you have checked, since a second transfer can complicate the investigation.
Saving a template for repeat top-ups
If you top up Maya regularly, a template or favorite recipient saves time and reduces typing errors. After a successful transfer, save the Maya number with a recognizable name such as My Maya wallet. Next time you can pick the saved entry, enter only the amount and move straight to the review screen.
Some BDO app versions also let you schedule transfers. A scheduled top-up can be convenient for a recurring bill that you pay from Maya, but remember that a scheduled transfer still depends on your balance on the day it runs, so keep an eye on it.
Habits that prevent most problems
Type the BDO Online address or use the official app instead of tapping links in text messages or social media posts that promise easier Maya top-ups. Keep your app updated, because old versions sometimes lose features or show outdated bank names. Keep a small note of the reference number for every transfer, and treat the review screen as a checkpoint rather than a formality.
If anything looks unfamiliar, such as an unexpected extra step, an unfamiliar web page or a request for your card PIN, close the app and contact BDO through its official support channels before continuing. A few seconds of caution costs far less than recovering funds from a mistaken or fraudulent transfer.
Related guides
- BDO to Maya on a Computer: Sending Through the BDO Online Website
- How to Cash In to Maya from the Maya App Using a BDO Account
- BDO to Maya Transfer Fee: Why the Numbers Online Disagree
Back to the main guide: BDO PayMaya: How to Cash In and Transfer Between BDO and Maya