The pandemic happened
What started as a way to transfer funds for our father’s hospitalization spilled into more digital transactions that truly help manage our time and finances in the long run.
Let me tell you our story.
Loyal to our brick-and-mortar bank
We are Generation X who prefer to travel and visit our bank than do online banking. For one, memorizing passwords is torture. Also, going through the step-by-step process of doing things online is going against our comfort zone. Lastly, being a former corporate person who now stays at home makes us miss the outside world. So we would want to dress up, visit the bank, and make side trips to the hardware, pastry, and coffeeshop. In short, we want to go out once in a while. And going to the bank is one legitimate reason to go out.
Then pandemic happened. And it happened real fast to our father, too. The need for an oxygen tank meant cash on hand. The sudden demand for hemoperfusion is equated to cash payment. His almost a month of hospital confinement ended with his breathing pattern becoming louder, causing him to give a painful gurgling sound. The pain to see and hear him was too unbearable, knowing we couldn’t do anything to help him breathe. He took his last breath in the arms of a caretaker that early morning of April 26, 2021.
The country was in strict lockdown; thus, travel was not an option. We stay in Novaliches, Quezon City, while he was in Cavite. Likewise, he was with his second family, and though I am the oldest child, we cannot assert our rights. Who am I, after all? I am just a mere daughter to his first wife he left months after conception.
Despite our setup, we expressed our intention to help with the finances. But how?
All we knew was to do the over-the-counter transaction from our brick-and-mortar bank. We don’t even have a credit card or ATM card.
The switch to digital banking
The pandemic has been a catalyst for our prompt adoption of changing direction from visiting our BDO branch to doing almost everything online. Yes, it is only now that we are in our 40s that we switched to digital banking. And little did we know that the most convenient and fewest limitation solutions are in an app, by the way.
For new players like us, the opportunity to do online banking is an eye-opener. For one, we are now more able to manage our finances easily and avoid the hassle of going to the bank, which by the way, is very far from our place. Our BDO branch is in Mandaluyong.
Learning how to transact online also introduced us to invest in more robust online services from bills payment to fund transfers and more.
Online solutions in a few clicks
Digital banking has already been the practice in recent years. However, many like us still prefer making bank visits because it has always been how we do banking. The pandemic, though, forced large-scale uptake, and we must say, in a positive way.
We started using digital services from our bank for the first time. We learned fund transfer first. The sister received the money she may use for our father’s hospital needs in just a few clicks. We explored every button and tried checking our transactions. Yes! This 40-year-old only learned that day that we didn’t need to visit our brick-and-mortar bank to update our passbook. Everything we did in person before is now readily available online or even on mobile.
Slowly, we are building a new habit and routine in checking our bank transactions online. Recently, we invested in Variable unit-linked insurance and settled everything through online banking bills payment. Good thing, too, the ever-reliable BDO has this kind of online transaction. We could pay for our policy without the hassle of going to the bank, withdrawing, meeting our agent, and paying for the plan.
A few weeks ago, we got life insurance and, again, paid via BDO’s bills payment. Through the help of our financial adviser, we even learned that we could automatically settle for the remaining balance of our five-year life insurance plan through Auto-Debit Arrangement (ADA). With an automatic payment plan, our annual bill is recurrently debited from our savings account on a pre-set date without having to do anything. This way, we are sure not to miss any due dates and, in a way, avoid a possible penalty. Add to that; it makes our life easier knowing that our life insurance is paid on time and in full each year.
Going digital the right way
We see ourselves exploring more of BDO’s online banking features even when the pandemic is over. Though we know a new player like us is at greater risk and challenge because we are not used to this kind of system, we are confident that going digital is the right way.
For one, we regularly receive email messages from our bank about safety features in transacting digitally. Likewise, with the consistent use of online banking, we have noticed that the learning curve is becoming easier than expected.
Convenience
BDO indeed finds ways for clients through its innovative digital solutions. It brings so much convenience and comfort banking at home. In addition to cutting trips to the bank, we learned and benefited from centralizing our finances under one log-in. And that is one great convenience.
Financial planning
Now that we have set up almost everything through online banking, it helped big time to take the stress out of managing our finances. In just a few clicks also, we can pay for our utilities and other services we are subscribed to.
And here’s the absolute peace of mind- Even if we become ill or forgetful, we don’t need to worry about paying our insurance policy, as everything is automatically scheduled out. There may be significant life events or emergencies, but our finances will remain in order, thanks to BDO’s digital solutions.
Saving money
Yes, we still get to save money. Payments or commissions we get from our digital services are electronically transferred. So again, there is no need to go to the bank, deposit, and wait for the check to be cleared. We can conveniently receive our money, and all transactions are reflected on our transactions history.
BDO’s innovative digital solutions
Come to think of it. COVID-19 crisis has been a double-edged sword. Despite the anxiety and panic it created, it likewise drove individuals to be acquainted with new platforms and tools. One example of which is going digital. And we are one of the many individuals who realize its many advantages. All we need to do is trust our bank. But first, we need to have a trusted bank. And there is no doubt BDO can deliver effectively and efficiently. Many times, BDO’s slogan “We find ways” stays very true to its essence. They indeed, always, find ways.
Malaking tulong tlga ang online banking,Lalo na noong kasagsagan Ng lockdown. Mas mabilis tayung nakakapag transfer Ng money sa ating mga loved ones at pwedeng magbayad Ng iyong mga purchases thru online banking.
We’ve always been into dealing with savings in an convenient way ! This sounds good and an awesome time for the whole family
Malaking tulong tlga ang online banking Lalo na noong kasagsagan Ng lockdown. Mas madali na Ang pagpapadala Ng money sa mga loved ones at pwedeng magbayad Ng mga purchases thru online banking.
In this trying times importanta na ang banko natin ay yung matatag reliable at higit sa lahat maasahan anu mang oras and that is BDO
Malaking tulong tlga ang online banking Lalo na noong kasagsagan Ng lockdown. Madali na tayung nakakapag padala Ng money sa mga loved ones at pwedeng magbayad Ng mga purchases thru online banking
Malaking tulong tlga ang online banking momo Lalo na noong kasagsagan Ng lockdown. Mas madali na tayung nakapagpadala Ng pera sa ating mga loved ones at pwede din magbayad Ng mga purchases thru that.
Interesting post..online banking really has saved us a lot of time (maybe gas and money too), and offered us such great convenience.
agree on great convenience.
Dahil sa pandemic talaga natuto tayo ng madaming bagay lalo na ang online banking para less hassle sa pag labas at talaga madali lang dahil super convenient nito satin
tama ito. ako dati nagbabyahe pa un pala meron pala mas madaling paraan para makapagbanking.
diba, dami tlaaga pwede gawin. need lang natin i explore at wag matakot sumubok. pwede naman lagi magtanong if may di tayo nauunawaan e.
Safe talaga tayo dito sa BDO. At saka nung nagpandemic talagang nag boom din ang mga online banking mas safe to kaysa sa paghawak ng pera.
agree rin sa mas safe ito kesa sa itago pera sa bahay o hawak hawak mo lang.
Dahil nga sa panahon ngaun pandemic.mahirap tlaga Ang walang Mga ipon.kaya mgnda talaga Ang My online banking para sa Mga nangangailangan.lalot sa panahon ngaun,Ned natin Ang control sa paglalabas Ng bahay pra iwas sakit o iwas covid.mgkaroon Tayo Ng sarili nating savings
agree sa iwas labas na rin kung kaya naman gawin ang transactions online.
Sa panahon ngayon eto po kailangan natin .. less hassle at very convenient … Laking help nito para maiwasan ang paglabas labas pipila pa sa madaming tao … Galing talaga nitong online banking .. maka pag send agad agad ng money sa ating love ones. The best talaga BDO … Maasahan lagi na talaga namang we find ways …
yes sa mapakagsesend agad ng pera sa loved ones mo. at iwas na rin sa tao which is need natin ngayon lalo na at andyan pa rin ang COVID-19.
Eversince kahit wala pa man ding pandemic mas naging convinient sa akin ang online banking kasi maraming na lelessen na errands ko since may work ako before like paying bills and sending money to someone or even my family less hassle and less worries basta may laman ang bank pwedeng pwede gawin anytime and anywhere mas lalo ngayon na limited ang paglabas labas lalo at may maliit ako ginagamit ko padin sa mga transactions ko ang online banking good to know that bdo is one of them talagang tatak nila ang we find ways ❤
agree ako rito. mas napapadali talaga ung pagsend at receive din ng money. less trip to no trip na talaga sa bangko.
Super convenient! Alam mo yung mare realize mo na lang na even ang online banking nakatulong para mapadali yung buhay ng bawat isa. Idagdag mo pa na may very reliable and trusted na bangko like BDO na handang tumulong at makiisa during the pandemic. They always find ways even in the toughest time.
they are very true talaga sa tagline nila na we find ways
Big help, easy to use online banking no hassle,
Malaki ang naitulog ni BDO ngaun pandemic thank you BDO
I don’t like digital banking before because of security threats until nag lock down and I’m force to install my bank’s online app. Then narealized ko na I’m missing so much! Ako lng pala yung hard-headed. Super convenient niya not just in transferring money but in paying bills TOO. I remember those days Na pumipila pa kami sa Meralco just to pay our bills, pwede naman pala magbayad ng bills ng hindi ka naaarawan eh, ahahahaha! And sa tulad ko na nakakalimutin, laking tulong din ng mga scheduled auto debit! Minsan talaga you have to face your fears and tanggapin na di lahat ng changes ay masama, sometimes, it’s for the best!
pareho siguro natin madedescribe ang sarili natin na hardheaded. nun nakapagtry ako digital banking, nasabi ko rin sa sarili ko na ang dami kong namiss. we also use bills payment nito at even ung labas at pasok ng ipon namin madali na imonitor.
At first hesistant ako sa mga online transanctions dahil minsan may mga di maiiwasang pagkakataon na nagkakaron din talaga ng mga problems pag nagoonline lalo na pag money matters..worried ako baka hindi lahat ng transactions eh mag work or baka magkaron ng mga glitch at hindi mag reflect lahat ang mga transactions lalo na pag payment sa bills. Pero dahil nangyari ang pandemic mas naappreciate ko na at mas naintindihan na malaking bagay ang naitutulong ng online banking, mas naging convenient para sa mga tao ang services nila para makaiwas sa mahabang pila at sa dami ng tao na iniiwasan natin para ma-prevent na mahawa o magkaron ng covid. Truly it is a big help at this point of our lives na kailagan mag ingat ang lahat..
ganyan din po ako sa umpisa. may agam agam pero dahil sa lock down, napilitan ako itry ito. at nakatutuwa na nabigyan ako ng pagkakataon makita ang ganda ng digital banking. mali naman pala ang mga iniisip ko noon.
Malaking tulong para sa ating lahat ang online banking .. sept. Of 2020 nacovid ako and ang pamangkin kong 2years old, buti na lang my online banking nakakapagtransact tayo ng mga bagay bagay kahit nakaquarantine tayo, and kampante tayo na hindi tayo masscam kasi napaka safe sa BDO 🙂 #ThankyouBDO
This pandemic hits us so badly,that most of us lost their job,teaches us the value of money and having a savings in case of emergency.Glad BDO app help a lot. It is more convenient to pay bills via online banking,sending funds and money,and eloading as well without leaving your home.Oh di ba,save time and money
agree saves time, at kapag saves time, saves money na rin
Very innovative, less hassle and so convenient ang BDO dahil pwedeng pwede na makapagtransaction thru online banking.
agree ako here, mommy.
Wow super bet ko talaga ang bdo hindi hassle lalo na naun online bannking na po sya kahit un ama ng mga anak ko dlwa jan nalang sya naghuhulog of may maihulog sya sa mga anak ko pangallowance, trusted tlga kahit nasa ibang bansa pa, no more scam no mpre hassle
yes sa trusted na talaga kahit saan ka man
Kaya nmn ako din Mommy B trusted ko na ang BDO. Easy to save, pay at transaft with them kaya andme kong family time kaysa nauubos oras sa kakaantay at pila sa mismong bank. Mas safe pa makipagtransact sa online.
yes, natutunan ko rin mas safe online transaction.
Nowadays big help po talaga ang mga online transaction,mahirap na kasing lumabas dahil sa pandemya,Kaya ok talaga ang BDO,Yan din po ang Bank Ng aking mother nong nagabroad Siya Kaya loyal kame sa BDO God Bless po❤️
hihihi, kami rin loyal sa BDO. ito ung payroll account ko pa sa dati kong work, di ko close, tinuloy ko lang.
As a mom and a grand ma…. i’ ve been to digital banking for a long time. No hassle going out as this day of pandemic. I can pay and transfer to other persons account. Thank for this digital banking.. making our lives easy and convenient. Thank you BDO.
agree sa making our lives easy and convenient.
Mas pinadali na sa bdo savings para sa mga bagets ko at syemore ang mas pinadaling pag transact ng pera online. Thank u for sharing momi berlin. Malaking bagay tlga ito lalot nagka pandemic tayo.
yes, isa sa nakapagpadali sa bills payment, pagpapadala ng pera, at pagtanggap ng pera ay through online banking.
Simula nag kapandemic natutunan ko ang kahalagahan ng mag iipon ng pera upang sa Incase of emergency may mahuhugot tayo at ang isa pang mahalaga ay yunh maitabi mo sya sa maayos na and safety na bank kay naman nakakatuwa kasi andyan si bdo para alalayan tayo sa mga goals natin para sa buong pamilya at andyan sya para matulungan tayo makapag ipon ng tama para if kailanganin nati eeh madali natin makukuha ang ating ipon sa bank
tingin ko rin mas makakapag-ipon tayo kapag nasa bangko ang pera.
Sobrang convenient at laging ginhawa ng online banking lalo na sa aming mga work from home people na takot lumabas dahil sa covid. Dahil isang click lang basta may wifi or data ka at accessible ang bdo online banking app na meron ka, machecheck mo na agad kung pumasok na ba ang sahod mo, pwedeng pwede ka ng makapagpadala sa mga mahal mo sa buhay ng di ka lumalabas ng bahay. Pwede ka din mag order at bumili ng groceries gamit ang online banking app mo na pambayad. Hassle free at very convenient talaga
Kaya love na love namin ang BDO dahil kay BDO totoong we find ways, kasi they find ways to make our life more convenient, less hassle at kahit anong oras mo gusto pwede ka makapagpadala sa mga mahal mo.
ito ung bangko na we find ways talaga.
Now a days good less hazel and so convenience p de na Rin online banking thanks for bdo for sharing this and also to momiberlin
yes sa convenience talaga ng online banking.
Matagal ko kuna gusto to itry ..mag open lalo na yung mga nagiging pera nmga anak ko ..kasi nagagalaw namin …bdo kids kung makapag open ako gusto ko dito iopen ang mga savings ng baby ko ..laking tulong kapag may mga ganitong card …katulad ng pagbabayad ng bill no need na lumabas para sa safery …lalo na kapag may mga babies ..easy transaction ..#ilovebdo.
hirap nga kapag ung money mo hawak mo rin kasi mas madali magastos.
Sa panahon ngaun lalo na nung kasagkasagan ng lockdown. Dun natin napatunayan na napaka laking tulong ng mga online transaction ksi bukod sa sobrang convenience nento ehh sobrang hassel free pa ksi kahit saan o anung oras man pwede ka magtransact ..just log in and ok na ..hawak mo pa oras mo ..
yes sa anong oras pwede magtransact without even leaving the comfort of your home.
Sa current situation natin, parang “must” na rin ma meron kang digital banking from a trusted bank (BDO). Hindi natin kasi alam kung kelan mo kakailangan ang cash lalo na kung big amount. Yung need mo pa pumunta sa atm to withdraw or makipila sa bank. Sa digital banking, pwede ka mag-transfer ng funds or magbayad ng bills anytime na hindi ka kailangang lumabas ng bahay. Very convenient at less hassles.
yung di ka na lumabas, pumila, at makihalubili sa tao, malaking bagay na un e. laking tipid sa pamasahe, mas ligtas pa, at yes, convenient.
Since 2020 nagsimula pandemic napag isipan ko na Mas gusto nalang magipon ng magipon kysa mag gastos ng gastos,kaya naman naisipan k tlaga mag saving sa BDO simula nun nagpandemic naisip herap.buhay need tlaga natin magipon for the future .kasi d lang puro sarap buhay may herap din kaya naman nagipon ako para sa aking anak kaya naman tiwala.ako kay BDO.dto ako nagipon saving namin.
Mahalaga din ang may savings lagi, lalo na ngayon na pandemic. Mas maigi na may madudukot tayo. At thanks sa BDO kasi super convenient pag dating sa mga online transaction. Trusted Bank kaya di nakakatakot na sumubok sa digital banking nila. No more worries na mag take ng risk sa paglabas ng bahay, para lamg magbayafd ng mga bills, umorder ng pagkain at marami pang iba. Kay BDO always find a ways para mas mapadali ang lahat para sa mga Filipino.
yes, no more risk sa paglabas kasi through online payment, wala na pila, less mingle sa tao pa.
Simula noong nag start ang pandemic ang hirap ng lumabas lalo na need natin mag ingat para sa Family natin,, sa grocery, bills payment need mo pa pumila… kapag sa online banking andun na lahat wala ng hassle na lumabas pa mas safe at mas madali kang makakapag bayad ng mga bills mo actually halos lahat na,,, at sa mas safe ang pera mo kapag sa bangko nakalagak ang savings mo…
agree na mas safe ang money kapag nasa banko.
Nung kasagsagan ng pandemic hindi tayu nakakalabas kaya naman lahat ng tao tumutok sa online mas pinadali at siguradong safety ang lahat malaking tulong talaga lalo na sa bank online mas pinadali at no hussle pa para pumila at safety talaga
agree sa safe na at less hassle kasi no pila na talaga.
ito talaga ang pinaka the best way na investment,Good choice talaga sa BDO dahil secured ang future at mabilis ang transaction.Via online banking naman walang hassle kung may emergencies to rescue agad ang BDO..
agree sa in times of emergency, daling tumakbo sa BDO through online banking.
Super big help din sa akin ng digital banking from paying bills, groceries,shopping at lahat lahat ay ginagawa kona digital. Working as customer service ng isang kilalang network provider, I never let myself do ADA lalo na sa postpaid plans. Kasi its such a hassle to refund kapag may problem sa system at nag double charge. So working sa company na yun ang dami kong na process na ADA cancellation. Kasi whatever they charge mababawas agad talaga nang hindi ka makaka react sa insurance naman ok yung ADA kasi never ko naman na try magka problem ever at kapag di ako nag ADA ay mas magkaka chance pang malimutan ko kasi nga annual . Thanks for sharing this ❤️
ang dami nga pwede gawin through digital banking.
I Only have savings account which is Bdo,I choose Bdo Because I trust Bdo Online Banking naman is so easy and Convenient talaga proven na talaga Lalo na Nong bagyong Odette dito Walang kuryente I remember those days nakapila kami sa grocery almost 3hours sa Dami Ng Tao sad to say dahil nga Walang kuryente offline then ang mga banko meaning di din namin magamit atm namin so ginawa namin naghanap kami nilibot namin but sad to say di offline lahat kasi NGA Walang kuryente so naisip nalang namin I transfer SA isang remittance center at nagtransfer at dun winidraw kaya ayon thanks God nkabayad na kamiKaya napakalaking tulong talaga Ng online banking ngayon
totoo ito, napakalaking tulong sa atin ang online banking. Ang lupit pala ng naranasan ninyo sa bagyong Odette.
talagang sa panahon ngayon eh dapat mayron tayong ipon, napakahirap ng wala ka ma lamang mapagkunan ng pera sa panahon ng pangangailangan. At magandang piliin ang bangkong lujos na pinagkakatiwalaan ang BDO .
talagang sa BDO tiwala kami. matagal na rin kami sa BDO.
Wow very convenient talaga nitong online banking lalo na this time of pandemic malaking tulong talaga at less hussle pa no need Na lumabas at madali mo matatransact lalo na pag may importante ka na need bayaran bilin and very safety pa.. the best talaga ang bdo dahil we wind ways talaga for there loving client..
sila talaga ung totoo sa sinabi nila na we find ways
Maganda nga po ito online bankings lalo na sa mga pasahod po ,pag need kang bayaran po hinde kana mapapagod mag byahe pa , kahit sa cp pwede narin po..
ay naku ,isa yan sa naeenjoy ko sa online banking
Sa panahon ngayon ng pandemya at limitado lamg ang paglabas,isa po talaga ang online banking sa talagang sa talagang maasahan natin , lalo na sa pagbabayad ng mga bills at iba pa ,less hassle na ,save pa tayo basta sa BDO
First of all I don’t know yet how to save my money but through this situation that pandemic has come and change my life style my whole carrier was going to explode to nothing .
But after I save my money and iwas that if I did this before what if? But sad to say I didn’t think this . And now I knew iwas going to save day by day
very convenient ang online banking, lalo na sa mga parent na naiiwan sa bahay at nag aalaga ng anak hindi mo na kailangan iwanan pa ang anak mo para lumabas, very accommodate sya ngayong pandemic para sa ating safety. dahil sa mga online website marami ng choices para bumili at dahil sa tulong ng online banking pwede kana din magbayad through online no hassle mabilis pa ang transaksyon ❤️❤️
Big help ito pra sa ating mga nanay nasa bahay lang momi dahil dito nagkakaroon tyo ng knowledge about online baking na pwede natin magamit s ating araw araw na buhay at pwede natin itong pagkakitaan na kahit nasa bahay lang tayo.
Tru sobrang laking tulong ito SA ngayon na d pa totally safe ating bnsa.dhil SA covid . Lalo na SA mga raketerang mommy ..ntin ☺️
We work in an LPG industry and we are considered as frontliner.. sobrang hirap dahil na lockdown Ang hubby ko sa planta and Ako naman I decided to work from home.. since then, Hindi na Ako makatanggap Ng sahod because cash to cash basis kami.. buti na Lang malapit lang Ang bank sa planta kung saan na lockdown si hubby. And Ako since may online banking na eversince di n ko masyado nahirapan nung panahon na Yun. Pindot pindot lang for food delivery and groceries pabili and also sa auto-debit no hassle lahat Ng monthly bills and dues..