How to Remit Money from Italy to Banco de Oro (BDO) Philippines

Have you ever paused mid-shift in Italy, wondering how your next remittance will reach your family in the Philippines safely and affordably? 

If you’re an expat in Italy who wants to send money from Italy to Philippines into a BDO Unibank (BDO) account, this easy-to-use guide is for you. 

You’ll learn how you can transfer funds using the ACE Money Transfer app in a few taps—letting you support your loved ones without stress, surprise fees or long waits.

What Do You Need Before You Start a Transfer to the Philippines through BDO?

Before you begin your online journey to send money to Philippines, get these items ready:

• The recipient’s full legal name is registered with their BDO account.
• Their BDO account number (and branch if required).
• A funded payment method in Italy – debit/credit card or Italian bank account.
• Your ID and verification documents for ACE (just once). 
  Ensuring you have everything ready helps you skip delays and get your transfer moving smoothly.

Step-By-Step: Using ACE to Remit Money to BDO

Here’s how you can make an online money transfer from Italy to Philippines straight into a BDO account using ACE:

1. Download the ACE app (Android or iOS) or visit their website and register your account.
2. Select “Italy” as your sending country and “Philippines” as the receiving country.
3. Enter the amount you wish to send and choose “bank deposit” as payout with BDO account details.
4. Make your payment from your Italian card or bank account. Confirm all details and hit send.
5. Use the ACE app to track your transaction and receive confirmation once funds arrive in your recipient’s BDO account.

This mobile-friendly process lets you send  to Philippines even on the go—from your phone between jobs or breaks. 
 

Why Is BDO a Smart Choice for Your Recipient?

BDO Unibank has extensive reach across the Philippines—great when your recipient lives outside metro areas.

• Numerous branches and ATMs make access easier.
• Your recipient can get funds directly in their account (or cash pick-up if needed).
• Combined with ACE’s online transfer, you create a fast, reliable way to support your family.
• When you choose ACE + BDO, you’re picking a trustworthy combo: your convenient app in Italy + BDO’s local network in the Philippines.

How Much Does It Cost and How Long Will It Take?

Fees and timing will vary depending on payment method and destination. For Italy → Philippines, you’ll see:

• According to Migration Data Portal, average cross-border remittance cost is nearly 6%. So,  transparent fee is shown before you complete the transfer using ACE. 
• Delivery often happens the same day or within a few hours once all details and verification are in place.
• Use the ACE app to check the fee and expected arrival time ahead of your transaction—so you know exactly what you’re getting.

Learn more about the top remittance service choices for Filipinos in Italy.

What Common Mistakes to Avoid When Sending Money to Philippines?

• Don’t type the wrong recipient name or BDO account number—this can cause delays or returns.
• Avoid using public WiFi to log in and send your transfer—security matters.
• Make sure you selected “Philippines” and “BDO” as receiving bank, so your family doesn’t need to switch banks to receive funds.

What Extra Steps Can Boost Your Confidence?

• Enable two-factor authentication (2FA) on your ACE app for added security.
• Save the transaction reference or screenshot once you submit the transfer—useful for tracking. 
• Let your recipient know the funds are on the way—so they watch their BDO account or pick-up option.

Ready to Get Started? Install and Sign Up Now

Don’t let the worry of remitting hold you back. Download the ACE app now, sign up in minutes, and get set to make money transfer from Italy to Philippines into a BDO account. Your family’s future deserves every euro you send—and the confidence that it’ll reach them. 

Switch from the old-school bank wires and make the most of a modern, mobile-first route. Install the ACE app and complete your first transfer today.

FAQs

How long does it take for a transfer from Italy into a BDO account via ACE?

Typically, once your ACE transfer is submitted and verified, your recipient may receive funds the same day. Factors like bank hours and verification can affect exact timing, so check in the app for an estimate.

Are there any limits on how much I can send at once with ACE?

ACE Money Transfer does not impose strict hard limits on single transactions for remittances—your sending limit depends on verification level and local regulations. Most users can send amounts that support family needs, emergencies or regular transfers.

What if the recipient’s BDO account information is wrong?

If the BDO account number or name you entered is incorrect, the funds may be delayed, returned, or require extra steps. Always double-check recipient details before confirming the transfer.

Does using my Italian bank matter when sending from Italy to the Philippines?

Yes. Your Italian bank provides the funding side of the transfer, while ACE Money Transfer manages the cross-border delivery to BDO in the Philippines. Using your usual bank keeps things simple, and ACE handles the international leg.

Can my recipient collect cash instead of a bank deposit at BDO?

Yes—depending on service options in the Philippines, your recipient may choose cash pick-up at an authorised location. ACE offers flexibility so your recipient can choose the method that works best for them.