The winning bank has integrated everyday payments with existing banking relationships through a single mobile wallet. BDO Pay lets customers transact directly from savings accounts, debit cards and credit cards without maintaining a separate wallet balance. It combines transfers, bill payments, QR transactions, rewards, account opening and cardless ATM withdrawals. Following its redesign, the platform recorded strong growth in users and transactions . For its account integration, functionality and sustained adoption growth, the Best Digital Wallet in the Philippines award goes to BDO Unibank.