BDO Kabayan Savings, BDO Remit Cash Card for OFWs

June 12, 2009 · Filed Under BDO, Career/Work, OFW 

Updated February 16, 2013:

BDO Kabayan Savings for OFWs

This is a special savings account for OFWs and their families in the Philippines.

You can open an account here in the Philippines, or abroad if you work near BDO partner remittance firms chosen to issue this account.

  • Can be in pesos or in U.S. dollars
  • Initial deposit of 50 pesos for a peso account or $100 for a U.S. dollar account.  (The teller may ask if you like to deposit 100 pesos)
  • Present at least 1 valid photo ID and one 1×1 ID picture (The teller may ask for a second valid ID)
  • The teller may ask for proof that you are receiving remittances, or that you will receive remittances, such as remittance receipt, OFW contract, or work visa
  • No maintaining balance as long as you make at least ONE remittance a year.
  • You will receive a Passbook and an ATM Debit Card.
  • For SEAFARERS:  You can open a BDO Kabayan Shipping Dollar savings account with passbook for only US$10.  Show one valid photo ID, your valid Seaman’s book, and one 1×1 ID picture.
  • For Seafarers employed by POEA-accredited companies, you can ask your company to credit your allotment directly to your Kabayan dollar account.
  • With your Kabayan savings account, you can arrange with BDO for the payment of your home loans and insurance premiums through BDO’s Auto-Debit Arrangement (ADA).

Check here BDO correspondent banks.

Check also this blogpost:  What happens if your BDO Kabayan account DOES NOT receive at least one remittance in a year?

BDO Remit Cash Card for OFWs

This card is similar to the regular BDO Cash Card, but it is a special cash card; you can get this card only abroad — in selected BDO accredited remittance companies.  There are numerous BDO Remit offices, partners and agents worldwide, particularly in countries where there are a lot of OFWs.

This also has a higher load balance and deposit limit, compared to the regular BDO Cash Card.  While the regular cash card is limited to a maximum balance of 10,000 pesos and 25,000 pesos,  BDO Remit Cash Card can be loaded with up to 100,000 pesos.

You can send money directly to this BDO Remit Cash Card account.

Your and your beneficiary can also check the status of your remittance through the BDO Remit Status Inquiry on the BDO website. Go to Click REMITTANCE SERVICES, and then click BDO REMIT STATUS INQUIRY.

Related Articles:
OFW Parents: Take Advantage of Free Internet Banking to Manage Your Childrens Weekly Allowance
BPI and BDO Internet Banking — Free and Quick Ways to Send Your Children’s Allowance
Savings Accounts for OFW Remittances
Savings Accounts in the Philippines with the Lowest Maintaining Balances
Cash Cards for OFW Remittances to the Philippines
List of Banks in the Philippines — Universal Banks, Commercial Banks
Top 27 Savings Banks in the Philippines — or Top 27 Thrift Banks
OFWs Can Send Money to the Philippines Thru BDO Remit



496 Responses to “BDO Kabayan Savings, BDO Remit Cash Card for OFWs”

  1. Ana Lim on February 11th, 2013 1:18 am

    good evening po ma’am..meron po ako Kabayan account, ang problema ko lang po nakalimutan ko na yung PIN number ko dahil medyo matagal ko po hindi nagamit,pwede po ba ako magwithdraw over the counter sa ibang branch gamit ang passbook ko?malayo po kasi ang branch ko eh nasa province po ako ngayon. Thanks po.

  2. Sandieboy on February 11th, 2013 2:46 am

    gud pm po maam.. nag padala po ako ng pera sa kuya ko.. enjaz to bdo kabayan. kaso po mali po ang middle name ang naencode ng teller. Instead of
    JUAN C. SANTOS, JUAN D. SANTOS po ang na encode nya.. ma withdraw po ba ang pera sa account ng kuya ko thru atm? tama naman po account no. at branch . ang account name lang po ang may mali.. hoping for your reply

  3. Nors on February 12th, 2013 5:01 pm

    Hi Ana, yes, you should be able to. There’s an interbranch/interregional fee. But there are stricter BDO branches. Just visit the nearest ones and ask.

  4. Nors on February 12th, 2013 5:04 pm

    Hi Sandieboy, sori, the BDO system does not accept even just one incorrect digit or letter. The names and numbers should match exactly. If the remittance is not credited, ask your brother to return to enjaz and request for remittance data amendment, as the BDO system puts on hold remittances with errors.

  5. ivy jill loresto on February 20th, 2013 4:39 pm

    mam, last feb 10,2013 nagpadala po ang tita ko sa account ko na nasa kuwait pero hindi ko po narecieve. tama namn po yong nasa resibo nya. nagcheck po ako ng account wala po talaga.

    possible po ba na na scam na yong pera ko my nagwithdraw na iba?
    thanks po

  6. Nors on February 20th, 2013 8:17 pm

    Hi ivy, are the BDO account name and no. correct? Does anybody else know your atm pin? and can they get hold of your atm? Is there a reference no. so you can check at the BDO website? You can also visit your branch and ask; bring your IDs and receipt. If BDO says they didn’t receive anything, ask your aunt to check with the remittance company; the teller there might have encoded your account no. or name incorrectly.

  7. Espee on February 22nd, 2013 11:02 am

    Good morning just want to ask how many days or hours we can receive our money if my husband deposit to our kabayan savings account. This is my first time to use this kind of account. Thanks and more power

  8. Nors on February 22nd, 2013 1:30 pm

    Hi Espee, it depends on the remittance company that your husband uses, and the country where he is sending money from. Always better to use a BDO remittance partner. It can be the same hour, same day or the next day or after 3 to 5 days. My sis receives money from the US via Xoom and BDO and she can get it within the same hour.

  9. joana on February 24th, 2013 12:22 am

    ma’am my husband forgot to change pin his kabayan atm card.he got his card a day before we come back here in kuwait.still can he deposit here and withdraw the money when we come back to phils using his passbook??thanks for the help..

  10. Nors on February 24th, 2013 8:17 am

    Hi joana, yes, you can deposit to your Kabayan account, and you will be able to withdraw your money using your passbook. That time also, you can ask your branch to reset your atm card PIN deadline, so you can input your PIN. Keep your remittance receipts. Or you can check BDO Remit Status Inquiry at

  11. Anne on February 25th, 2013 2:52 pm

    Hi ma’am. Ask ko lang po. Yung asawa ko po kasi ay seaman. Ngayon po nakalimutan nya po ang pincode nya sa atm. Dahil matagal tagal din po sya hindi nakasakay at hindi nya nagamit. Ngayon po nasa barko na po sya at nasa akin ang atm nya. Paano po namin ma retetrieve ang pincode nya eh nasa malayo po sya. Doon po kasi ihuhulog ng company nya ang half ng allotment nya. Hope you can help me. Thanks

  12. Nors on February 26th, 2013 12:32 am

    Hi Anne, sad to say, BDO and other banks cannot retrieve pin codes; they ask cardholders to replace their atm cards. And it should be your husband asking BDO in person. Since he’s at sea, ask your husband if you can open your own BDO Kabayan account, and then ask his company to deposit your allotment to your account.

  13. nonabel on February 27th, 2013 5:04 am

    I have kabayan account on BDO and my passbook is on my hand here in kuwait since i want to save at my own account..the problem i want to check online if how much my saving account,i enroll at online banking but since they asking for print and bring to the office of BDO that i cannot do since im here in kuwait

  14. nonabel on February 27th, 2013 5:07 am

    Please help me if how check thru-internet since i cannot log-on your wbsite until i cannot submit the print out copy…wish for your imediate reply regarding this message..thanks

  15. Nors on February 27th, 2013 7:03 am

    Hi nonabel, you can sign that printed webpage and send to BDO via Postal Mail (not email or not via a representative).

  16. ernita on February 28th, 2013 2:03 pm

    h!po,gudpm.ask ko lng po.about sa paghulog ko.kac dko pa na inquire dto eh’kaya nag alala me.ung hinuhulog ko buwan2 f papasok jn at d sya mabawasan?dto namn ung passbook at atm ko dala2 ko sya po.kaso hinuhulugn ko lng encse na makauwi me ng pinas para my savings me.i need respond po.kac nag alala kc talaga ako.tnx po.

  17. Lou on March 1st, 2013 9:02 am

    hi po…can i withdraw from my BDO kabayan savings account (dollar) through any BDO ATM?

  18. Nors on March 1st, 2013 3:54 pm

    Hi ernita, as long as you have your atm and passbook with you, no one can withdraw from your account. Keep your receipts. If you are sending through BDO remittance partners, you can check BDO Remittance Inquiry at
    Will you stay long there abroad? You can enroll in BDO Internet banking if BDO is still offering enrollment for those abroad. You will know if there’s still this option “I do not have access to a BDO atm”.

  19. Nors on March 1st, 2013 4:19 pm

    Hi Lou, yes, but enter a peso amount, because the money you’ll get will be in pesos, not dollars. Conversion is based on current BDO exchange rate.

  20. maricel on March 6th, 2013 1:04 pm

    good day mam..can my brother working in uae check his kabayan atm there? he wants to check how much is his savings now.

  21. Nors on March 6th, 2013 7:31 pm

    Hi maricel, does his ATM card have a Mastercard logo? If yes, he can try making a balance inquiry at an ATM machine with a Mastercard logo. The charge for balance inquiry is $1. But sometimes the Mastercard-BDO link does not work, so there’d be times he won’t be able to make an inquiry.

  22. cyrel on March 7th, 2013 3:40 pm

    Good day mam just want to ask if i can withdraw my here in kuwait in any atm machine here…and can i get it in dinar?thank u po need ur reply ad soon ad posible

  23. cecille on March 7th, 2013 5:36 pm

    hi! i just wana ask just in case mag open ako ng account pero wla p kong proof of remmitance is it ok?

  24. Nors on March 7th, 2013 6:45 pm

    Hi cyrel, is there a Mastercard logo in your atm card? If there is, try making a balance inquiry at a machine with a Mastercard logo. Balance inquiry fee is $1; withdrawal is $3.50. But you cannot withdraw all the time; there are times the Mastercard-BDO link does not work.
    Yes, if you’re able to withdraw, what you will get are bills in dinar.

  25. Nors on March 7th, 2013 6:51 pm

    Hi cecille, it depends on the branch or the teller. Kabayan is for OFWs, hence there is no maintaining balance requirement, so they require proof you’re an OFW — it can be a foreign job contract, OEC, work visa, etc. Without any OFW proof, you can open a regular atm account — it’s with 2k maintaining balance.

  26. ernita on March 8th, 2013 8:30 am

    h!po..gudam po.nor ask lng me po ulit,ung nakalagay sa atm bdo ko,12/21 thru valid,ok pa po bayn.kac baka expire na,kaya ask kopo para,d me kabahan sa paghulog ng pera baka pagdting ng pinas.expire na pala at d na ma withdrw ung pera ko.heehe.need ur respond nor..madami na salamat po.

  27. Nors on March 8th, 2013 9:53 pm

    Hi ernita, ah ganon ba? 12/21 means December 2021, so that’s about 8 years into the future. That’s your money in your account; that’s yours. Just don’t let 2 years pass without any transaction (deposit or withdrawal) so your account will not become dormant.

  28. janine on March 9th, 2013 12:57 am

    hi po..gusto ko lang po malaman kung pgdating ko ba nang pinas ma withraw ko agad yung savings ko kahit saang branch??andito po ako kuwait ngayon..or kailangan pang e activate kung saan ako ng open??tanx po..

  29. Nors on March 9th, 2013 10:44 am

    Hi janine, did you open your account here in the Philippines? Did you activate your atm card? If yes, you can withdraw from any BDO atm and any other atm (there’s withdrawal fee if you use other banks’ atms). If you opened your Kabayan abroad, you need first to go to BDO Paseo-Gil Puyat branch to link your atm card to your account and then activate your atm card at any BDO machine. This BDO branch is at the corner of the first intersection you reach after coming from Buendia-EDSA.
    You can also try withdrawing using your passbook at any branch; it depends on the branch if they like, and you might pay for interbranch passbook withdrawal.

  30. marjay on March 9th, 2013 11:22 pm

    saan po ba yung branch na pwede mag-deposit dito po sa taichung,taiwan gamit yung BDO kababayan savings bank?

  31. marjay on March 9th, 2013 11:30 pm

    where can i deposit in my BDO kababayan savings bank here in taichung,taiwan?
    is there a branch here in taichung,taiwan? please response. please ,if it`s posible,i need a exact address.thanks.

  32. Nors on March 10th, 2013 10:18 pm

    Hi marjay, sorry, the BDO representative office is in Taipei — Unit D, 3/F No. 132/134, Sec 03, Minsheng East Rd. Songhan District. You can send to your BDO Kabayan through Moneygram.
    BPI has remittance partners in Taichung:

  33. rhose on March 11th, 2013 3:55 pm

    Hi po…my boyfriend got his kabayan passbook and atm card from bdo. He will be leaving soon to work as a seafarer. ngayon po gusto nyang iwan ung passbook at atm nya skin pra po mkapaga deposit ako sa passbook nya. ask ko lng po can i withdraw the money deposited in his passbook through the atm card ? in case of emergency po n i need the money. coz the passbook and atm is under his name po.

  34. Gandangpilipina on March 12th, 2013 3:15 am

    Hi miss nors its me again..just wanna ask if i can withdraw or use my kabayan card pag nag tour ako sa hongkong.are they allowing it to use in purchasing some stuff in stores?thanks Godbless

  35. Nors on March 12th, 2013 7:56 am

    Hi rhose, yes, you can withdraw money using the atm card, as long as he has activated the card before he leaves and he gives you his PIN.

  36. Nors on March 12th, 2013 9:42 am

    Hi Gandangpilipina, is your card the one with Mastercard logo? You should be able to use it abroad. But you cannot use it all the time, as the Mastercard-BDO link does not work all the time, so have other options, such as Mastercard debit cards —

  37. Joan on March 12th, 2013 2:39 pm

    my aunt from bahrain sent money into my kabayan savings acct. last march 7, 2013. she sent it through bahrain financing company. i haven’t received the money until now. it has been six days since she sent it. i tried to track it but it doesn’t appear.

  38. Gandangpilipina on March 12th, 2013 3:29 pm

    Miss nors yup there’s a mastercard logo ung yellow po na kabayan card.ahso i cant use it all the time in hongkong?can i withdraw money po ba tru kabayan card pag andun ako?thanks po ult

  39. Nors on March 12th, 2013 4:14 pm

    Hi Joan, ask your aunt to check with the remittance company. There could be an error in the spelling of your name, or how the teller typed your name, or the account no. Bahrain Financing Co.? What I see in BDO’s remittance partner list is Bahrain Express Exchange:

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  41. janine on March 12th, 2013 10:08 pm

    hellow po its me again janine,sa pinas po ako ng open nang account activate na po ba agad yon?kasi na try ko na po mg withdraw before po ako pumunta nang kuwait,so ngayon nkapag deposit na po ako dito twice,gusto ko lang po mkasigurado kng pumasok ba yung pera ko sa account ko,hndi nman po ako mka tsek tru online,,panu ko po ba ma tsek yung account ko dito sa kuwait?andito skin yung passbook tsaka atm card ko..plzz help me po..salamat po!!

  42. janine on March 12th, 2013 10:10 pm

    bdo savings account po skin..

  43. mitch on March 13th, 2013 1:18 am

    hi.. ask lang po kung paanu ako makapgcheck online nang savings account nang anak ko.. nag open kasi ako sa pinas junior savings account.. naka authorized sakin. naghulog ako twice na.. gusto ko i-check kung pumasok ba, kaya nag enroll ako for online ako kaso kailangan daw i print yung form, andito po ako sa qatar ngayon at gusto ko malaman account nang anak ko.please help, kailangn ko pa bang i-send sa any branch ng bdo?? papanu?? tnx.. GOD BLESS!!

  44. Nors on March 13th, 2013 12:46 pm

    Hi janine, yes, when you opened your account, it became active. It’s only the atm card which needs to be activated at a BDO atm machine; but if you were able to withdraw previously using your card, then that means you have activated your card. Try enrolling in BDO internet banking so you can check your balance online: If you see this option “I do not have access to a BDO atm terminal” this means you can enroll while abroad.

  45. Nors on March 13th, 2013 2:30 pm

    Hi mitch, yes, you need to print the acknowledgment page, sign in the lower portion, and then send to the address here:

  46. lydia ambol on March 13th, 2013 3:48 pm

    Helo maam..magandang araw poh..tanong ko lng po sana if panu ko maiupdate ang bdo accnt ko kasi po wala akong maiwanan nong umalis ako..dala ko po dito dubai ang atm at ska passbook pero naghuhulog po ako monthly…mag 6 mos na poh ako dito…wooried lng ako bka d pumasok…thanks poh..

  47. Nors on March 13th, 2013 10:26 pm

    Hi lydia, keep your receipts and make sure you use reliable remittance companies, preferably BDO remittance partners. You can enroll in BDO online banking so you can check your balance online:

  48. Jobee Tamondong on March 15th, 2013 11:48 am

    Goodmorning, ask ko lang po kasi i have a bdo kabayan passbook and atm but last year pa yun. walang transaction po in a year. pero this time po magppadala yun business partner ko from canada, ngddlawang isip po ako if ibbgay ko yung card number ko s bdo kabayan, baka po kasi di na active. please reply

  49. janine on March 16th, 2013 12:20 am

    hindi po ako mka tsek tru online dahil my kailangang e print..tsaka hndi nman po pwde email ko sa knla ang form..panu po ba yun..plz help..tanx po

  50. Nors on March 16th, 2013 7:29 am

    Hi Janine, when you enrolled for online banking, did you see this option “I do not have access to an ATM terminal”? If you saw this, then I think they’re still accepting enrollments from abroad. No, you don’t send via email. You print the acknowledgment page (the response of BDO after you click Submit), sign this printed page, and then send to BDO Makati via postal mail. When using public computers, make sure to log-out and close the browser. Or better, delete your browsing history.

  51. Jayr on March 17th, 2013 12:07 am

    Hi, tanung ko lang, ngopen ako ng kabayan account, nakuha ko na yung atm, pero di ko pa naactivate kc wala naman pin binigay, issend ba sakin yung pin via mail or dapat nakuha ko na kasama nung atm, di ko na kasi naactivate agad kasi umuwi ako province,tnx…

  52. Nors on March 17th, 2013 12:42 am
  53. maricel on March 17th, 2013 5:21 pm

    Helow,may kabayan savings account at atm with mastercard logo po ako,last 2011,sept..until now hindi ko pa nahulugan,ang tanong ko activate pa ba yong both account ko..kac gusto ko ng hulugan ngaun…dito po ako.kuwait at gusto ko pong e pa dollar account paano? kung ma dollar account na…pag punta sa pinas kung gusto ko ng mag withdraw,dollar po ba yong ma recieve ko?..thank you…

  54. sarah on March 17th, 2013 9:21 pm

    hi,meron p aqng kabayan savings acct, & atm..kya lng d ko n activate un pin ng atm ko pg aliz q ng pinas?…ask q lng po kong active p xia kz 8months n pong d q nhhuulogan,balak q snang gmitin xia ulit, thru passbook acct,nlng po b ang ggmitin q? tenku po…

  55. Nors on March 17th, 2013 11:00 pm

    Hi maricel, your Kabayan could have been converted into a regular passbook account with a 5k maintaining balance requirement, and since it had not received a remittance, it could have been closed already in Oct 2012. Usually banks do not convert a peso account into a dollar account. You must open a dollar account in person. Try opening a dollar Kabayan at these BDO Remit partners
    in Kuwait:

  56. Gandangpilipina on March 18th, 2013 2:13 am

    Hi again nors

    How can i reprint the enrollment for or how can i send it to my email so i can print using my iPad and i dont have print i just let my sister print it for me but i dont know how to send itin her email.hope you hear my concern thanks & Godbless

  57. Nors on March 18th, 2013 5:51 am

    Hi sarah, I think your account is still active, because only 8 months has passed without it getting a deposit. BDO’s policy is 1 foreign remittance at least per year. If you plan to remit to your Kabayan, use the account no. written in your passbook. To be sure if your account is active, call (Intl. Access Code) +800-8-6318000

  58. Nors on March 18th, 2013 9:40 am

    Hi Gandangpilipina, do you mean enrollment in BDO Internet banking? There’s no MSWord software yet on iPad so you cannot copy that page on Word so that it can be emailed. I suggest you use your home PC (Press PrtScr and paste on MSWord, save and copy on USB and have it printed) or go to an Internet cafe that accepts printing, work out your online enrollment there, and have it printed, sign it and send to BDO Makati
    If you work at an Internet cafe, be sure to logout from your emails before leaving your station, delete your browsing history, or close your browsers.

  59. Gandangpilipina on March 19th, 2013 3:04 pm

    Thanks miss nors..i was able to send the form yesterday with regular mail,mostly how long it will takes the letter to reach the bdo?they are going to send me an email right,if i can use my online banking.Godbless po Salamat

  60. Nors on March 19th, 2013 9:22 pm

    Hi Gandangpilipina, yes, they’ll email you. When you login again, you’re going to see the same screen as your initial enrollment screen — you will answer some questions for verification

  61. Marietta on March 20th, 2013 4:27 pm

    Hi Nors,
    Gusto ko lang po sana itanong kung active pa ‘yung Kabayan savings account ko. I opened it March 2012 in Al Ain and they only gave e on September on same year kaso di ko n po sya nahulugan kasi nagchange employer ako and I want to rwmit it now. I tried to call the hotline number provided above but I can’t connect. Is ther any other means on how to check if it’s still active or not? Thank you.

  62. Nors on March 20th, 2013 8:55 pm

    Hi Marietta, try using the Contact Page on Don’t write your account no. yet. Just ask first if you can use the Contact Page to ask if your Kabayan account is still active. Tell them that you opened your account in Al Ain in May 2012 and that you received your passbook in Sep 2012.

  63. maricel on March 24th, 2013 2:00 am

    Thank u for responding me maam…mag ask.ulit ako,paano ho ba ma activate ulit yong account u closed na po yong account ko…since october2012…pwdi ko ho bang ipa activate dito sa kuwait.? Thank u..

  64. Nors on March 24th, 2013 3:23 am

    Hi maricel, you need to reactivate it in person here in the Philippines. But I’m not sure if they’re allowing reactivations. How about just opening a new account at BDO Remit offices there in Kuwait?

  65. rasel on March 25th, 2013 9:01 pm

    Dear Ma’am/Sir;

    may katanungan po ako tungkol sa BDO Kabayan Savings account, tanong ko lng po kung halimbawang hindi ka na babalik ng abroad yung Kabayan savings mo po ba ay pwede mo po ba syang gawin na lng na Local savings account kahit walang remittance transaction record? i mean pang Local account savings na lang sya? ok lng po ba yun? thanks po

  66. Nors on March 25th, 2013 10:55 pm

    Hi rasel, yes, you can continue using your Kabayan, but after a year that it has not received a foreign remittance, it will be converted into a regular passbook account, and it will require a 5k maintaining balance. You’ll be charged 300 pesos per month after 2 consecutive months of falling below 5k.

  67. rejoice on March 28th, 2013 6:38 pm

    hi maam,

    if i open a BDO SAVINGS ACCOUNT HERE IN DUBAI, pwede ko na po ba un gamitin agad, kasi sabi po nila kailangan ko daw pong i activate yun sa pinas?..kung halimbawa pwede ko na pong gamitin,pag uwi ko po ba ma pwede kong i withdraw agad ung pera ko???
    Thanks po..

  68. Nors on March 28th, 2013 9:17 pm

    Hi rejoice, if you have not activated your atm card, you can withdraw your money using your passbook at their branch at the corner of Paseo de Roxas and Buendia. It’s also there where you link your atm card to your account; accounts opened abroad need to link their atm cards to their accounts before activating them. After that you activate your card at any BDO atm machine.

  69. rasel on March 31st, 2013 2:37 pm

    ms.nors, thank you po sa response..good day :-)

  70. rasel on March 31st, 2013 3:01 pm

    Ms.Nors, may tanong po ulit ako, db po sabi nyo po kpg ang Kabayan savings ay wala ng mareceive na foreign remittance more than a year ay macoconvert po sya sa regular passbook..ano po yun mam automatic na po ba sya macoconvert nun? hndi mo nb kailangan pumunta po sa BDO branch kung saan ka nag-open pra magpa-convert? at kahit na convert na po sya yung ATM Card mo po ba ay active pa rin sya? thanks po :-)

  71. Nors on March 31st, 2013 10:07 pm

    Hi rasel, yes, the conversion is automatic. and yes, the atm card would still be active. You can test it by making a balance inquiry at an atm machine. Just make sure you have 5k there in the account after a year of no foreign remittance so you won’t get charged with below-maintaining balance penalty.

  72. maricel on April 1st, 2013 3:35 pm

    gud am maam,..tanong ko lng..pwdi ba dto sa kuwait mag open uli ng bdo account….ano pong mga requirements…thank you

  73. Nors on April 1st, 2013 5:52 pm

    Hi maricel, yes, you can open a Kabayan account at the BDO Remit offices there — You said “mag open uli”, do you mean you opened a Kabayan before you went to Kuwait? And that this previous account is already closed? Requirements: your IDs, passport and probably ID picture

  74. rasel on April 2nd, 2013 3:30 pm

    Ms.Nors, salamat po sa pag-response :-)

  75. lizabeth barros on April 3rd, 2013 11:54 am

    matagal na rin po akong member ng kabayan savings,,at malaki na rin po ang naipapasok ng husband ko sa savings na ito,pero hanggang ngayon di ko pa napapakinabangan yung sinssabi nila na rewarrds point..everytime na nagtatanung ako sa banco lahing sinasagot pinadadala nila sa address ko..pero wala ako natatangap noon pa..ngayon gusto mag change address,,panu po ba?pwede po ba sa other branch ng BDO?salamat po! beth

  76. Nors on April 3rd, 2013 7:55 pm

    Hi lizabeth, have you been able to maintain at least 50k for a month in your Kabayan? If yes, you can inquire using this online form: BDO If you’re qualified, they will send you a Rewards card which you can use everytime you shop at SM and to which they’ll credit points for qualified bank transactions. Use the address where you can receive the card if it is sent via a courier.

  77. Gandangpilipina on April 3rd, 2013 11:09 pm

    Hi miss nors,me still waiting for the response of bdo regarding my online application.tanong lang po how can i avail their reward card if im here abroad?if i maintain more than 50k in a month what kind of reward card i can get for example 70-80k ang namaintain ko.thanks po

  78. Nors on April 4th, 2013 7:42 am

    Hi Gandangpilipina, it takes about 2 months for your Internet banking application to be processed, based on those that commented here. The rewards are not much, in comparison to the satisfaction of having saved money. Once BDO sees that you’re maintaining at least 50k, they’ll send you a BDO Rewards card. This card will accumulate points whenever you present it for posting whenever you shop at SM and other affiliated businesses like Petron, Watson, etc. You get also points for banking transactions. You might accumulate points equivalent to 300 pesos a year or more, depending on your transactions. Hope you can comment again when your Internet banking is approved. Thanks for commenting.

  79. Gandangpilipina on April 4th, 2013 2:27 pm

    Miss nors how does it will work po if im here abroad?are they gonna send me the reward here?or in my home address in philippines?dont worry miss nors as soon as i received the email i’ll post help me a lot so even though you wont ask me to post it here,i still do..thanks & Godbless

  80. Gandangpilipina on April 4th, 2013 2:28 pm

    Typo error.. *reward card instead of reward ;)

  81. Nors on April 4th, 2013 9:41 pm

    Hi Gandangpilipina, they will send the card to your home address in the Philippines — the address you wrote in the bank form when you opened your account. Thanks for desiring to comment here again soon. God bless too.

  82. joanne on April 5th, 2013 7:26 pm

    i was just wondering if this kabayan saving card, be able to do online shopping or purchase things online? because I tried and it gave me error messages.. so i am wondering if this is just my card or the kabayan card isnt able to do online purchases.

  83. Nors on April 5th, 2013 11:33 pm

    Hi joanne, sorry, you cannot use a Kabayan card for online purchases. You can get a Smart Money (the new version), or the BPI Prepaid Mastercard: BPI ePrepaid Mastercard

  84. raph on April 6th, 2013 12:10 am

    gud eve po maam,,ask ko lang po kung mag.kano ang mg.pamembership ng kabayan card?at anu po kylangan kung dalhin na requirements po/?txn po

  85. raph on April 6th, 2013 12:26 am

    ndi po ba pwede dito sa atm ku nlang mg.padala kapatid ko po?

  86. yanyan on April 6th, 2013 7:34 am

    meron po akong remaining balance na 90pesos nung march 26,nung mag bal.inquiry po ako ng april 5.nag close account na po siya,di ko po na maintain ung remaining 2k.paano po ba ito maari ko po ba ma open ulit ung account ko,magkano pong penalty kailangan ko po bang mag deposit ulit ng 2k.salamat po

  87. Nors on April 6th, 2013 10:37 am

    Hi raph, what is your atm? atm debit card or cash card? Yes, most atms can accept foreign remittances. BDO cash cards, however, have deposit limits, 10k and 25k. Some payroll atms accept only deposits from employers. To open a Kabayan, bring at least 2 valid IDs, at least one remittance receipt from abroad and 2 ID pictures.

  88. joanna on April 6th, 2013 10:49 pm

    hi :) good eve.. just asking andito po kasi ako sa taiwan since last aug 2012.. gusto ko po sana maghulog sa account ko habang nagwowork po ako dito.. just asking if is still active? kabayan savings account po yung inopen ko sa bdo.. thank you and please reply.. thank you again :) god bless

  89. joanna on April 6th, 2013 11:10 pm

    hi its me again :) last aug 2012 parin po yun atm ko.. so for almost 8months po di ko nahuhulugan,, active pa po kaya yun?please reply.. thank you and godbless

  90. Nors on April 7th, 2013 9:01 am

    Hi joanna, your Kabayan should still be active because the rule of BDO for Kabayan is it must have at least one foreign remittance in a year. God bless too. You can fill out this BDO web page to ask. Don’t write yet your account no. : BDO Contact Page

  91. ARTEMIO on April 9th, 2013 5:59 pm

    I do online banking for convenience and been planning to remit/transfer online to my newly activated BDO Asenso account from my payroll bank account abroad:

    Q1- My bank account in Dubai have some features which require beneficiary’s IBAN, swift/bic codes. Does my Asenso account have these?

    Q2- I believe in some foreign online transfer BDO have some “Bank Partner” where remitter can use as details. Which one is applicable in Dubai?

    Thanks in advance!

  92. ARTEMIO on April 9th, 2013 6:19 pm

    Another thing for this “Cash card”. Is it like some sort of supplementary card? Can I have more than one of those under my Asenso account? Need for my niece monthly school allowance. Actually four of them. And can I view online transaction statement of all these four if ever?

    Thanks again Ms. Nor!

  93. Nors on April 9th, 2013 10:08 pm

    Hi Artemio, BDO’s Swift code or BIC code for wire transfer is BNORPHMM . This is for all Philippine branches and for all types of accounts. Moneygram is a BDO remittance partner so you might want to check this: Moneygram UAE
    About cash cards, these are reloadable atm debit cards with balance limits (10k for cards with no embossed name, and 25k for cards with embossed name), no maintaining balance, no interest and with withdrawal fee of 2 pesos per withdrawal. Yes, you can link several cash cards to your online account. You can see their balances if these cards are under your name, but if they’re in your nieces’ names, you can transfer money to them, but you can’t see their balances.
    But try to check if BDO remittance partners in Dubai are accepting applications for BDO Remit cash cards, so you can apply and have BDO deliver them to your nieces. BDO Remit cash cards have higher balance limits, up to 100k, if it has not changed. BDO Remittance partners in Dubai may you have more blessings as you’re generous with your nieces

  94. julie abasula on April 10th, 2013 8:29 pm

    hi poh,meron poh ako kbayan accoun,pero nagdadalawang isip ako na hulugan dhl sbi ng iba bka daw hnd pumasok sa account ko..8months na ko dto sa bahrain pero di ko pa hnuhulugan,f hulugan ko poh panu ako mag ballance inquier online?

  95. julie abasula on April 10th, 2013 9:59 pm

    mula po ng iopen ko ang kabayan card ko di ko pa nahuhulugan 9months na po active pa po kaya ito?tnx po..wait ko po response.

  96. Nors on April 11th, 2013 6:28 am

    Hi julie, BDO requires that there should be at least 1 foreign remittance in a year to maintain a Kabayan account; so your account should still be active. But I could not be sure of course. I suggest you ask this question through Contact Us; don’t give yet your account no. BDO Contact US page

  97. ROCK on April 11th, 2013 1:07 pm

    gu day maam,,
    ask kulang may kabayaan passbook at atm ako..nag aply ako sa maynila bago ako naactivate ko na poh ito..kaso hnd poh aku nakapagtry na mag balance inquire kung talagang activated na sya..ngayun nasa jeddah aku ngaun..balak kung mag self deposit sa kabayaan account ko..2 months na poh hnd ko pa na hulogan un mula ng kumuha aku ng kabayan..ang tanong.

    1.ok lang ba mag deposit kahit hindi umabot ng 5k? sa bawat pagdeposit.

    2. may ipikto ba kung hnd ko magamit ung kabayan ATM ko sa loob ng 2 taon? kahit na nag dedeposito ako sa passbook ko?

    tnx mis nors i hope u read and answer this my msg..more power

  98. julie abasula on April 11th, 2013 4:50 pm

    hi miss nhor…di ako makapagregister sa BDO S BINIGAY M…f hulugan ko un sure ba ko mawidraw ko pag uwi ko ng pinas…gamit ang passbook?,,,tnx po…

  99. aileen on April 12th, 2013 12:28 am


    i would like to ask if you have a BDO remmitance partners in Malta(europe) preferably in the vicinity of San Giljan STJ1320 or St. Julians STJ1320.
    thanks in advance

  100. Nors on April 12th, 2013 4:37 am

    Hi Rock, yes, you can remit or deposit to your Kabayan account, since it’s been only 2 months that you left it without remittance. Yes, you can deposit lower than 5k. No, not using the atm card for 2 years has no effect on your account since it’s a passbook-with-atm account. What’s very important is that you remit to it FROM abroad at least once a year — this is the main requirement for Kabayan.

  101. Nors on April 12th, 2013 4:58 am

    Hi julie, yes, if your remittance gets deposited, you can withdraw your money using your passbook. Do you have someone in the Philippines whom you can ask to deposit 500 pesos to your Kabayan account, so you can check if it’s still active?

  102. Nors on April 12th, 2013 6:21 am

    Hi aileen, I looked at the current BDO list, and sad to say there’s no BDO remittance partner in Malta. Look for Moneygram — this is a BDO partner. Western Union is not a BDO partner, but you can use it, as long as the remittance is for deposit to a BDO account, and not for cash pickup at BDO. best regards

  103. sonny on April 12th, 2013 10:27 am

    hi nor! i have an bdo ofw account that was opened last feb 2011 but i wasn’t able to use it. now i have the chance to use it but sadly it got dormant already. is there really no way to reactivate it while im here in saudi? i hope you can find a way for me because i need it. thanks and Godbless!

  104. allan on April 12th, 2013 2:42 pm

    hi ms. nors!allan here!nag-enrol po ako s bdo internet banking. regular nmn akong nag-uupdate ng acct. ko. naisipang kong magpalit ng password, after that hindi ko n ulit nabuksan yung acct. ko..sumulat n ako s kanila regarding this pero hindi nmn nila ako sinasagot. pls. help nmn po!

    thanks in advance!

  105. Nors on April 12th, 2013 5:45 pm

    Hi sonny, reactivation of a dormant account is always done in person, together with IDs, at the branch where you opened the account. But you said you did not use it, so do you mean it doesn’t have a balance? Or the balance was the opening amount of 100 pesos? If yes, I think the account is already closed, and I suggest you open another account there at a BDO partner in Saudi, and then wait if BDO will give you another Kabayan account. BDO remittance partners in Saudi God bless too.

  106. sonny on April 12th, 2013 7:02 pm

    thank you nor! it has 50pesos opening balance in it. ok i’ll try to open from your partner here and i hope nor you can mark my name with remarks that says for reconsideration and another chance. thank you so much..


  107. Nors on April 12th, 2013 8:56 pm

    Hi allan, does it say wrong password or user name? Have you tried using your old password? Your account must have been locked after several failed logins. Call the BDO hotline.

  108. allan on April 13th, 2013 3:54 pm

    Thanks Ms. Nors for the reply!yeah!i did used the same old password and it’s the same. still i can’t access my’s very convenient for me using the net to check my acct. hope they will response to my queries very soon..thanks anyway!God Bless!

  109. Harry boy on April 13th, 2013 5:12 pm

    nakaka balance inquiry ba itong atm bdo atm ko kahit saang atm machine dito sa saudi?
    mag kano bayad sa balance inquiry at withdrawal.

  110. Nors on April 13th, 2013 10:46 pm

    Hi Harry, yes, if your atm card has been activated in the Philippines. Find an atm machine that displays the same logo as that on your card (Mastercard or Visa). Balance inquiry fee is $1 or $1.5 while withdrawal is $3.50. There are times though that the BDO-Mastercard or Visa connection is OFF, so you cannot do a transaction.

  111. Gandangpilipina on April 15th, 2013 2:23 pm

    Hello miss nors,im got so disappointed about my online banking enrollment.i contacted a customer service of bdo to follow up my request but sadly they said that my enrollment form has been deleted already on their system.i cant understand how that happens coz as we all know it takes 45 days for that enrollment form to be activated right?they said that maybe their office didnt receive the form that i send to them or the 45 days had lapse.its my 3rd time to send a letter in the Phil.and in less than 2 weeks those letter that i sent was received,but the last one which is my enrollment form for bdo online didnt reached the destination thats what they said.its hard for me to to go out from my job thats why when im doing something i need to do it at once.i dont know when ican go out iagain thats why im so disappointed coz i thought i can get my form validated to me to update my account.

  112. Nors on April 15th, 2013 8:57 pm

    Hi Gandangpilipina, it’s sad to hear that. I really hope that OFWs can have these online accounts so they can see their savings and be inspired to save more. I’m puzzled that it did not reach BDO on time. There was even one who commented here, who sent her enrollment to her branch in Davao, and it was forwarded to Makati, and arrived on time. I hope when you called, you also asked your account balance so at least you were able to confirm your balance.
    By the way, I saw your previous comment, on March 19, wherein you said you sent the form, so the 45-day period is not yet past. Why did they delete your application?
    Am I right that you’ll be going to Hong Kong? as you mentioned previously? I suggest that when you get to Hong Kong, call this number and ask if you can submit your Internet enrollment form to them — (00852)2901-0220 (English/Fukien/Tagalog Best regards

  113. Gwen on April 16th, 2013 2:21 pm

    Good day. I would just like to ask if I can open BDO remittance account here in dubai? If yes, Where? If its already open how can I use it in the Philippines if I go home? Thank you.

  114. Nors on April 17th, 2013 8:57 am

    Hi Gwen, yes, find a BDO Remit partner there that offers Kabayan account opening. Here’s a list: After arriving, go to the BDO branch at the corner of Buendia and Paseo de Roxas (first intersection from Buendia-MRT), and link your atm card to your account, then enter your PIN at a BDO atm machine. After 24 hours, you can withdraw. Then if you plan to use this account for a long time, enroll it in BDO internet banking — activate your enrollment at a BDO machine. You can track your account anywhere through the Internet.

  115. analyn on April 17th, 2013 12:27 pm

    mam ask ko lang po if nag padala po ng 75$ here in the philippines sa kabayan savings account.. automatic po bang pesos na un? or dollar pa di?? may charge po ba ung pag withdraw/

  116. Nors on April 17th, 2013 1:52 pm

    Hi analyn, yes, before the $75 is deposited to your Kabayan account, it’s first converted into peso. Withdraw from a BDO atm machine so there’s no withdrawal fee.

  117. mitz on April 18th, 2013 5:51 pm

    Good day! i am here in dubai now. i want to open a savings account. atm or passbook. may way po ba na dito ako mag apply abroad? if theres a way, how? and posible din ba na mai-withraw ko sya dito sa dubai?

  118. Nors on April 19th, 2013 6:30 am

    Hi mitz, check this list of BDO remittance partners in Dubai and ask if they’re offering BDO Kabayan account opening. About withdrawing in Dubai, sorry you cannot because you cannot activate your atm card in Dubai; you can activate it only at a BDO atm in the Philippines. Before activating the card, you need to go to the BDO branch at the corner of Buendia and Paseo de Roxas to link your atm card to your account

  119. Ken818 on April 19th, 2013 6:47 pm

    Good day po, ask ko lng kung bakit bigla pong nag-invalid ang ATM ng wife since almost one year na po kaming gumagamit ng BDO Kabayan Saving (w/ Passbook and ATM) last march po nagbakasyon ako sa pinas di ko po nagamit yung savings ko sa BDO since may cash naman po akong uwi. Almost 2 months po hndi namin nagalaw at kahit po update ng passbook di po namin nagawa. Ngayon po ginamit ng wife ko yung ATM invalid na daw po. Ano po ba ang naging problem sa account namin?

  120. Nors on April 19th, 2013 7:34 pm

    Hi Ken818, I think she needs to go to her branch and ask. Or she can call BDO anytime 631-8000, ready with her account no. and atm card no. She waits for the prompt “for BDO Kabayan, press 3″. I can’t find any reason why her account should be put on hold or closed since you said you have been saving in it, and I assume, remitting to it from abroad. It could also be that the card got damaged. best regards

  121. honielhet on April 22nd, 2013 7:21 pm

    I’m still undecided whether I will open an OFW $Savings Acct with Metrobnk or Bdo. Coz Bdo still charges Service Fees when I send my re on the Phils.. Aside from the service fees I pay when I send it . I would like to know if Metro Bank also has charge when i send $ thru OFW DOLLAR ACCT. thank you

  122. angel jacob on April 23rd, 2013 7:43 pm

    hi nors, gud day….
    ask q lng po bkit un remit status inquiry d nmn ngwwork kpg ng iinquire aq s remittance n pinadala q tama nmn un acct,no at nem, kz dala q un passbook at atm q,at ok lng b n passbook mna ang gmitin q kz un atm q d q xia n activate bgo aq umaliz,pmpsok kya un mga hnhulog q, nsa akin nmn un mga receipt q,….ty

  123. Nors on April 23rd, 2013 10:58 pm

    Hi honielhet, I’m puzzled that BDO collects additional service fees for remittances. Are you using BDO remittance partners? I think Metrobank will not impose additional charges in the Philippines if you use Metrobank remittance offices and subsidiaries abroad.

  124. Nors on April 23rd, 2013 11:45 pm

    Hi angel, yes, keep your receipts. Are you using a BDO remittance partner? Please call (Intl. Access Code) +800-8-6318000 or write them through the Contact Us page on

  125. Arah on April 24th, 2013 5:33 pm

    Hi ask ko lng, my iniwan kc kong pera s passbook en den my nagdeposite s acct ko,ndi ko alm kung napasama n ung nsa passbook ko dun s atm?o mag kaiba un?di ko kc sure balance ko.pag ba winidrw ko ung s atm lhat, wala n den ung pera s bangko? Salamat

  126. Arah on April 24th, 2013 5:34 pm

    I mean ung pera po s passbook?

  127. Nors on April 24th, 2013 9:31 pm

    Hi Arah, yes, your atm card and your passbook belong to the same account no. — you have only 1 account. If you withdraw money using your atm card, the money will be withdrawn from your account. Yes, kung iwidro mo lahat sa atm, mawawala rin lahat sa account, kahit hindi pa nakasulat sa passbook. Transactions appear only on your passbook if you give this to the BDO teller for updating. You can check your actual balance using your atm card.

  128. Leah on April 25th, 2013 11:50 pm

    Hello po just wanna ask kung okay lang po gamitin itong kabayan remit card ito po kasi yung gustong gamitin ng foreign husband ko sa pagpapadala ng pera galing korea?.. thanks po ng marami

  129. Leah on April 26th, 2013 12:08 am

    hi is xoom is a BDO REMITTANCE PARTNER?

  130. Nors on April 26th, 2013 6:28 am

    Hi Leah, yes, your husband can send money to your Kabayan account. He can send through Kookmin Bank in Seoul, a BDO remittance partner. He can also send at Metrobank in Seoul and in Pusan. If he’s far from these companies, he can send through Moneygram, a BDO partner. He can also send through Western Union, but it should either be cash pickup at Western Union or deposit to your BDO account, and not cash pickup at BDO because it’s not a BDO partner. By the way, is your Kabayan account active? Try making a balance inquiry today if you’re not sure.

  131. Nors on April 26th, 2013 6:29 am

    Hi Leah, yes, Xoom is a BDO partner, but at present, it’s used only by senders from the U.S. or those with US-based credit cards and bank accounts.

  132. Lawrence on April 26th, 2013 9:47 am

    hi mam, i going to Yanbu, KSA, maybe a couple of week from now. for work, kaka open ko lang po ng BDO Kabayang Savings Account. saan po ba ung pinakamalapet na BDO Remit partners na pwede kong pagdepositohan? tsaka pano po ung transaction? ang gulo po kasi mag explain ng mga taga BDO… TIA!

  133. leah on April 26th, 2013 12:29 pm

    Hello again po ma nors… Maraming salamat po sa sagot nyo sa mga katanungan ko po…

  134. leah on April 26th, 2013 12:55 pm

    Hi again maam… tatanong po ako ulit if meron po bang limit ang pwedeng ma deposit sa kabayan remit card?

  135. Nors on April 26th, 2013 2:48 pm

    Hi Lawrence, there’s no Yanbu partner in the BDO remittance partner list, but you can check this
    list of remittance partners in Jeddah and Riyadh” and then look for these agencies in Yanbu. Just go to the remittance company and then remit to your account: name of account, BDO, account no., amount, address of bank or bank branch (in some forms). You can also observe how your fellow Pinoys there are remitting money and choose the best. You can enroll in BDO internet banking before leaving so you can check your balance online later on.

  136. Nors on April 26th, 2013 8:52 pm

    Hi leah, is this Kabayan savings account, the one with the passbook and atm card? Or BDO Remit atm cash card? If it’s a BDO Remit cash card, the balance limit is 100,000 pesos. If it’s Kabayan savings passbook and atm debit card, there’s no deposit limit. You can deposit as much as you can.

  137. Gandangpilipina on April 27th, 2013 1:02 am

    Miss nors,even me i dont know why they said that my application form has been deleted already.till now im still disappointed about what happen.anyways,im having my vacation probably on Dec.miss nors to phils. then thats the time im having my hongkong tour also.thats why im very eager to activate my online banking so i can monitor all the remittance im sending in my account.Godbless miss nors.

  138. Nors on April 27th, 2013 6:57 am

    Hi Gandangpilipina, it’s great that you’re saving. God bless too

  139. Geraldine on April 29th, 2013 1:30 pm

    I just wanna ask if how much charge would it cost every transaction that my fiancee gonna pay when he send me money from my bdo kabayan acct. From france. He is asking me about this. Hope you can answer my question

  140. Geraldine on April 29th, 2013 2:07 pm

    How much charge to send money to my bdo kabayan? Does bigger amount the bigger the charge???

  141. Nors on April 29th, 2013 5:24 pm

    Hi Geraldine, sorry I’m not sure because it depends on the remittance company that your sender uses.
    I used the Western Union estimator, and I found that the remittance fee for 500 euros is 6 euros and for 1000 euros sent, the fee is 10 euros.

  142. Leah on May 3rd, 2013 11:11 pm

    Hi maam nors its me again leah… just got my kabayan atm po… yun bang mag change ng pin yun na po ba yung gawin para ma activate yung atm po?..

  143. Jea on May 4th, 2013 9:54 pm

    nagopen kc ako po ng account sa bdo dito sa dubai last April 2. Kelan ko po makuha ang atm at passbook ko? Thank you po.

  144. Nors on May 5th, 2013 6:52 am

    Hi Leah, yes, if you enter your new PIN, you’re also activating your atm card. Your card will be ready for use 24 hours after changing PIN.

  145. Nors on May 5th, 2013 7:14 am

    Hi Jea, based on what others have been saying here, it takes about 2 months. I hope you get yours faster.

  146. Hans on May 6th, 2013 10:36 am

    Good Morning!

    I have some inquiries with the BDO Kabayan Savings:
    1. Can deposits be made to this account within the Philippines? If I provide the account number to one of my suppliers, say in Cebu, will it reflect as deposit?
    2. I’m a consultant traveling to different countries, if ever I remit money from other countries how will the passbook be updated? I know it will reflect online but if im in the Philippines can I just go to any branch to have it updated?
    3. The account comes with an atm with mastercard logo on it, can I use that card to do online airfare booking and the total amount just be debited directly from it-the passbook?
    4. I enrolled to have online access and was asked to go to an atm to activate it, how long before I can access my online account? 3 working days from the time I activated?

    Hoping for your kind and swift response. Many thanks!

  147. francis marc on May 8th, 2013 6:38 am

    Good day po ask ko lang po kasi yong asawa ko nag open ng kababayan account sa pinas posible po ba sya na maka pag pesonal loan gamit ang pangalan ko pero hindi po joint account yong kinuha nya atm lang at passbook at kung hindi ako po ba pwede mag loan d2 sa qatar kahit dito ako mag oopen ng BDo account salamat po!

  148. Nors on May 8th, 2013 12:08 pm

    Hi Hans, 1) Yes, anybody can deposit to your account anywhere there’s a BDO branch. There’s an interregional deposit fee of 50 or 100 pesos. Yes, it will reflect as deposit (credit). 2) Yes, you should be able to have it updated at any branch, but there might be an interregional fee also. 3) Sorry you cannot use this card for online payments — the mastercard logo signifies only that it can be used for atm withdrawals at mastercard-linked atms abroad (but not all the time). 4) You can use your online account within a week after activation.
    For online payments, you can get a BPI prepaid Mastercard, or a PSBank Mastercard prepaid card or a Union Bank Eon cyber card.

  149. Hans on May 8th, 2013 3:27 pm

    Actually I went to a branch and verified all the information I asked you.
    1.Anyone can deposit both in and out of the Philippines for FREE. That’s one of the perks of the Kabayan Card, as long as there is one remittance that will take place within the year of opening the account and the every year thereafter.
    2. Passbook can be updated at any branch again for free.
    3. I can use the atm card for online transactions, in fact they are encouraging members to use it because it will generate an online fee. They even have auto debit enrollment for utilities like Meralco and PLDT. And yes i could use the card to purchase online ticket which I actually did this morning.
    The reason there’s no annual and transaction fees is that they will convert remittances lesser than the actual foreign exchange rate, so if US Dollar is… say at 41 they will convert the remitted amount to pesos with an exchange rate of say 39 or below only.
    I guess the information you provided was inaccurate, better check your resources next time, otherwise just refer the person directly to the bank to avoid confusion.

  150. Hans on May 8th, 2013 3:30 pm

    Btw, I activated my online account thru an ATM and 2 hours after I received an email stating the enrollment was already approved and I can start accessing it within 24 hours upon receipt of the email notice, but I immediately logged-on and the account is already running, its not actually a week as what you claim.

  151. Issa on May 8th, 2013 7:18 pm

    hi po ask ko lng po kc po nag open po ako ng kabayan savings accnt may 06, 2013 then umalis na po ako papuntangf qatar the following day..nagtry ko akong magregister online tinatanong po dun yung 12digits ng accnt no. pero yung nkalagay po sa passbook ko 11 digits lang including na po dun yung 00 sa unahan. I enter the 11 digit numbers na nakalagay sa passbook ko pero nung sinubmit ko hnd po tinangap kailan daw po 12 digits..anu po ang gagawin ko pra mkapag register online? thanks!

  152. Nors on May 8th, 2013 11:35 pm

    Hi Hans, I’m sorry I caused you confusion. Thank you so much for taking the time to correct my answers. You’re right, I should have not answered you at all, since I’m not anyway connected to BDO. How presumptive of me! You’re right, I should have referred you right away to BDO. Why didn’t I do that with you? From time to time, I say call BDO. Anyway, I just want to say that I based my answers not only on what BDO says but also on our experiences. Your experiences made BDO Kabayan the perfect card! Wow, imagine depositing abroad without incurring a fee? OFWs should celebrate — no remittance fee at all! We deposit to our BDO account in Manila from La Union and they deduct 50 or 100 pesos. Maybe it would be free for you because you’re special, or maybe they now changed their policy to follow BPI’s example, as BPI no longer charges interregional fees.
    About activation, there are many people commenting here about their BDO Internet banking not being activated immediately a day or a couple of days after activating it via the atm machine, so to play safe, I said within the week. Now I realize BDO also approve activation based on deposit amounts or any other thing that sets you apart from the masses.
    About online booking, yes, I erred partly in that because I forgot about payment via the BDO Internet banking — I thought immediately about online booking and paying directly at the airline’s site, where we need the security code and expiry date of debit or credit cards. Sorry again about that. I checked BDO Internet banking, and only Cebu Pacific is listed on their no-previous enrollment merchants. They don’t have this before, but it should not be an excuse for me. Asian Spirit I think is the only airline listed in their enrollment-needed merchant list. I hope now people can also book a PAL or China Airlines flight with Kabayan. And I also thought about online purchases in which we cannot use the Kabayan account because it has no security code and expiry date.
    Anyway again, thanks for commenting and for the lesson learned.

  153. Nors on May 9th, 2013 6:05 am

    Hi Issa, your passbook should display a 12-digit account no. My Kabayan has 12 digits, and I’ve read that all BDO personal accounts have 12 digits including the 00. Do you still have your first deposit slip? So you can check your account no. By the way, activation for Internet banking is through a BDO atm machine, so you cannot activate your online banking enrollment there in Qatar via an atm machine. When you’re enrolling, do you still see the question or option “I do not have access to a BDO atm machine”? Because if they still have this option, that means you can activate your internet banking enrollment by printing your acknowledgment page, signing it and then sending it to your branch. About your account no., the remedy is to call BDO: (Intl. Access Code) +800-8-6318000

  154. rejoice on May 12th, 2013 4:33 pm

    Hi mam, i received my passbook and atm card last week here in dubai..ang question ko po maam wala po ba clang ibibigay na sealed pasword for my atm??..

  155. Nors on May 12th, 2013 11:06 pm

    Hi rejoice, no, BDO does not give sealed PINs. If there’s no change to their policy, the default PIN is 123456. For those who got their atm cards abroad, when they get back to the Philippines, they need to visit the BDO Buendia-Paseo Makati branch to link their account to their atm card, and then change their PIN at any BDO atm machine. Please call BDO for further info; policies can change.

  156. manuel on May 13th, 2013 5:04 am

    Hi Miss Nors! tanong ko lang po nag apply po ako ng kabayan savings account dito sa dubai, nung icclaim ko na po yung account napansin ko yung letter na dapat sana ay ‘enye’ ay N lang..hindi po ba ako magkakaproblema dito?nung nagdeposit ako sa remmitance center dito N lang din nag appear sa reciept ko..

  157. Nors on May 13th, 2013 7:12 am

    Hi manuel, it’s my first time to encounter this question about N and enye, so I’m not sure how to answer you accurately. I’m assuming your passport and other IDs show enye, so there might be questions later on. I think you can withdraw your money using your passbook and writing N on the withdrawal slip…but how about if they ask for your ID? On the other hand, there’s no enye key on most keyboards (there’s no enye on my keyboard), so N and enye might be interchangeable. I suggest you write this concern to BDO using this BDO Contact Page.

  158. manuel on May 13th, 2013 11:58 am

    thank you miss isang bank account ko from the other bank ganon din po ang case..and sa lahat ng ID ko here in dubai, wala din po enye..again, thank po ulit ms. nors!more power and God bless!

  159. Antonette garcia on May 13th, 2013 9:50 pm

    Hi po bago lng po kc kmi dto s japan paano po b mag remit s pinas may kabayan accnt n po kmi dun..

  160. Antonette garcia on May 13th, 2013 9:51 pm

    Hi po bago lng po kc kmi dto s japan paano po b mag remit s pinas may kabayan accnt n po kmi dun.. Pwede po bng metrobank transper to my bdo kabayan accnt

  161. Nors on May 13th, 2013 11:40 pm

    Hi Antonette, yes, you can remit money at Metrobank in Japan to your BDO Kabayan. Check if remittance fees are cheaper at BDO remittance partners in Japan

  162. Lyn on May 14th, 2013 3:59 am

    Hi Po Ms. Nors,
    After working 6 months here in Oman, I tried to remit 12k+ USD via BDO Remittance partner then pag check ko po ng balance may deduction po ng 32.28 USD which I think masyado pong malaki. I thought BDO only charge 2.50 USD regardless of any amount.
    ganito po ba kalaki ang BDO Back-End charges?
    Secondly, query po kung may difference po ba yong BDO USD Account na Blue Passbook compared po sa BDO USD Kabayan Yellow Passbook in terms of Remittance Back-End Charges?
    - Ms. Lyn (Oman)

  163. Nors on May 14th, 2013 10:32 am

    Hi Lyn, sorry, I researched a bit on Oman-to-Philippines rates but can’t find something helpful. What I saw is that BPI charges $25 for dollar deposits of 2k to 5k USD from the U.S. I think the lower advertised rates are for dollar-to-peso deposits, as banks earn from the exchange rates instead. About the difference between the 2 dollar accounts in terms of remittance charges, I think the charges are the same. Since my answers are not complete, please write your concerns here at BDO Contact Us page or call BDO (Intl. Access Code) +800-8-6318000

  164. Reggie Pamintuan on May 15th, 2013 11:10 pm

    Gusto ko lang pong malaman kung pwede kaming mag open ng banco De oro kabayan account dito sa uk?
    at kung pwede po ano po ang dapat gawin?

    Maraming Salamat po,

  165. Nors on May 17th, 2013 5:14 pm

    Hi Reggie, yes, you can apply for a BDO Kabayan account in UK. Check this list of BDO remittance partners. If you are far from these companies, call GEM Remittance (in the list) if you can open a Kabayan account by postal mail to GEM.

  166. Leah on May 22nd, 2013 1:33 am

    Good day po Miss Nors,
    Leah Here po ahm nors kasi this month ilang beses napo naka pag transfer na po hubby ko ng pera sa kabayan atm ko po.. ngayon po mag ta transfer ulit po siya ng pera para po sa tuition fee ng anak ko at iba pang mga bayarin sa tingin ko pag mag transfer po siya sa darating na araw lagpas na po ng 100k yung na e transfer nya po.. ang tanong ko po mailalagay po ba yung pera o kailangan ko pang mag antay hanggang june 1 bago ko ma withdraw yung pera?…. nag alala po kasi ako… kasi mag enrollment na po kasi…

    Maraming Salamat po sa magiging sagot nyo po…

  167. Nors on May 23rd, 2013 2:34 am

    Hi Leah, I think Kabayan does not have deposit limits because it’s the same as a regular savings account. It’s the cash card and the BDO Remit card that have load limits. And the ATM withdrawal limit for all personal peso accounts is per day, which is 50k per day. So I think your husband can remit to your account any amount up to what is allowed by the remittance company per transaction, and you can withdraw from the atm up to 50k per day. best regards

  168. ann on May 23rd, 2013 10:47 am


  169. Nors on May 24th, 2013 12:58 am

    Hi ann, yes, it accepts local deposits, but the maintenance requirement is for at least one foreign remittance in a year.

  170. markdesigns on May 24th, 2013 2:01 am

    hi maam! I’m an online graphic designer here in new mexico and I am currently having my dollar earnings in my paypal account. Now I am planning to open a kabayan account for my kapamilya in the philippines and i just want to know if the kabayan account can be access by paypal deposits and how much does the bank charge for every transaction done?.. because as I know through experience, most banks got a FEE for every paypal-to-bank account transaction about 200-500 pesos.. i just want to know how much BDO charges thanks…

  171. Nors on May 24th, 2013 12:29 pm

    Hi markdesigns, yes, Kabayan can be linked to Paypal. The last time I used BDO, the charge was 200 pesos; I’m not sure if it’s still the same amount. I suggest you explore XOOM if you like it as your money transfer service. I asked my US employer to switch from Paypal to Xoom last year, and it has been good. I get my dollars in cash at BDO over the counter and then exchange dollars at Czarina nearby and then deposit my pesos at BPI, also nearby, in the same mall, so the risk of my getting robbed is lessened. You can see further info and the fees at the XOOM site.

  172. Rosalie on May 28th, 2013 6:42 pm

    Hi..I have my BDO kabayan savings ATM card and passbook with was already activated before I left Philippines.I also tried to deposit and withdraw from it before I left the country.I am now here in Ulaanbaatar,Mongolia and I want to deposit in my BDO kabayan savings acct.The problem is I don’t know if my passbook and ATM is acceptable in any banks here.Is there any bank here that is a partner of BDO.and can I withdraw my savings when I come back to Philippines after 2 yrs.Thanks & God bless!

  173. Nors on May 29th, 2013 2:45 pm

    Hi Rosalie, sorry there’s no BDO remittance partner in Mongolia, but if you can see Moneygram there, or Western Union, you can use this to remit money to your BDO account. Keep your receipts. Yes, you can withdraw all your money when you arrive after 2 years. If you plan to remit many times to your BDO account, enroll in BDO Internet banking so you can track your account.

  174. Rain Castro on May 29th, 2013 7:45 pm

    hello good evening , amm i have my kabayan bank account , for my auntie to easy send money for my studies , but she cant find any bank info or attachment . what she can to send money ..

  175. Nors on May 29th, 2013 10:25 pm

    Hi Rain, your account number is on your passbook — the 10-digit or 12-digit (with 00) number above or below your name on the passbook. Is your auntie abroad? She can send to your account through BDO remittance partners such as Moneygram, Xoom, etc. In what country is she? I can check the list of partners. She goes to a BDO-linked remittance company and then remits to your account, writing your name, bank name and your account no. and sometimes bank branch.

  176. merlinda canales on May 30th, 2013 4:51 pm

    hi po ms nor….tanung lng po zna aq about sa BDO kabayan bagong aply plng kc aq ng BDO kabayan tanung q lng po zna qng zakaling ng deposite ng pera ang asawa q sa passbook q automatic po bng magkakaroon rin ng laman ung atm BDO kabayan q qng magkanu ang laman ng passbook q un din po ba ang magiging laman ng ATM q plz response tnx…..

  177. Nors on May 30th, 2013 9:20 pm

    Hi merlinda, yes, your Kabayan passbook and your atm belong to one account. Pag magpadala ang husband mo, makikita mo ang amount ng padala through your atm, pero mag-aapir lang ang amount of money sa passbook mo kapag pumunta ka sa BDO branch with your passbook at ipa-update mo. Puedeng kada merong padala ka magpa-update or pedeng every 2 or 3 months.

  178. anthony on May 31st, 2013 5:12 am

    hi mam. i have kabayan savings account just a couple of months. naglagay na ako ng pera sa account. pero gusto ko sana ma track online ung pera ko nagpunta ako sa site ng bdo and sinundan ko naman ung process base dun sa guidelines na naka sama sa passbook. pero hindi ko makuha kung paano. meron dun ilagay ung reference number lahat ng combination number na nakikita ko sa card at sa passbook nilagay ko pero ayaw pa din makapasok. tnx mam sana matulungan moko.. by the way dito pala ako sa saudi..

  179. anthony on May 31st, 2013 5:22 am

    hi mam may isa pa po akong question. balak ko po kasi ipunan ung account ko na kabayang savings at hindi withdraw ung pera dun. lalaki po ba ung pera ko na save dun? pano po ba un? tnx mam.

  180. Nors on May 31st, 2013 7:20 am

    Hi anthony, ang pinuntahan mo ba sa BDO website ay yong BDO Remit Status Inquiry? If yes, you should use the reference no. given to you by the remittance company you used to send your remittance. Tingnan mo sa receipt baka meron diyan. About checking your balance online, you should enroll in BDO Internet banking. Magtatagal ka ba diyan? Kasi it takes about 2 months to enroll in BDO Internet banking kung nasa abroad and if they still accept enrollments from abroad. Try mo. Click mo yong Online banking, then Register Now. Then later, tingnan mo kung ano ang response kapag i-select mo yong option na “No, I do not have an active atm card”, kung i-allow ka pa to continue enrolling. If yes, you will print your acknowledgment page, sign it and then send it via postal mail to BDO, Paseo-Gil Puyat Branch, EBC Bldg., Paseo De Roxas corner Gil Puyat Ave., Makati City, Philippines

  181. Nors on May 31st, 2013 7:26 am

    Hi anthony, about savings, the interest rate for savings is super low, 0.25% per year. So hindi natin maaasahan ang interest, pero ang maganda naka-save ka. Later on, meron kang mailagay sa time deposit, para naman mas malaki ang interest rate. Or habang andiyan ka magbasa-basa ka about mutual funds ng BDO at BPI. Keep on saving! best regards. Ay ito pala baka gusto mo:

  182. anthony on June 1st, 2013 3:59 am

    hi mam. naka register nako dun sa online banking pero parang hindi tayo sure kung accept pa nila itong account ko dito abroad.or pwede ba relatives ko mag activate ng account ko sa pinas? wala na po other way para malaman ung balanced online? yup magtatagal pa po ako dito kasi my contrata po kami baka 1 or 2 years pa ko dito. and regarding po dun sa interest pag winedraw ko ung pera eh mawwala na po ba ung 0.25% na interest? tnx mam for the response.

  183. Nors on June 1st, 2013 1:36 pm

    Hi anthony, your relatives can activate your online banking if they have your atm card. Give them the code for activation. You can only check your balance online if you’re enrolled in online banking. If not online, you can check your balance by calling BDO.

  184. anthony on June 2nd, 2013 5:44 am

    hi mam, pano pag hindi ko naactivate sa deadline pede pa ba ulit ako mag enrol thru online banking pag uwe ko na sa pinas? tnx mam sa response ulit..

  185. Nors on June 2nd, 2013 7:02 am

    Hi anthony, yes, you can enrol again when you get back here in the Phil. Mae-erase yong application mo after your activation deadline.

  186. jen g on June 2nd, 2013 9:55 am

    Hello Mam Nors, this post is really helpful! I’ ve read most of the comments:) just want to ask the ff:
    1. how to link paypal to kabayan, any service fees/charges 2. is kabayan account insured like any regular savings acct (around php 250k, if im not mistaken) 3. how much does bdo charge when you withdraw aed to peso via kabayan, i mean how much po ang kaltas?

    thanks in advance and more power

  187. jen g on June 2nd, 2013 10:16 am

    mam nors i also need your advice, what do u think is more efficient and practical, a kabayan or bdo atm acct? im bound to dubai anytime soon po, just want to know which is better. thanks again

  188. merlinda canales on June 2nd, 2013 9:40 pm

    hi…maam nor tanung q lng po zna ulit about sa BDO kabayan q dba po sa loob ng isang taon kailangan dun mag padala ung asawa q khit isang beses lng sa isang taon ibig savihin po ba pede po bang isang beses q lng papadalahan s husband q ung BDO kabayan q tpoz khit aq nlng ang mag dedeposit buwan buwan kc po pag dun nia ipapasok sa BDO kabayan q ung ipapadala nia buwan buwan medyo matgal tgal mkuha 2days pa bago makuha ung padala nia plz response po tnx….

  189. Nors on June 3rd, 2013 1:59 am

    Hi jen, since you’re OFW, Kabayan is better. It does not require a maintaining balance; its requirement is at least 1 remittance from abroad in 1 year, and it comes with a passbook and atm.

  190. Nors on June 3rd, 2013 2:14 am

    Hi jen, 1. Just login to your Paypal account, click “Withdraw”, then “Withdraw funds to your bank account”, then “Add bank account”… No fee in adding bank account. BDO’s Paypal code is 010530667
    2. Kabayan’s PDIC insurance is 500k. 3. Withdrawing Paypal to Kabayan is charged 200 pesos by BDO, plus 50 pesos by Paypal if money withdrawn is less than 7k. If you’re asking about remittance fee from Dubai, it depends on the fee charged by the remittance company, ranging from 15 to 25 AEDs.

  191. Nors on June 3rd, 2013 2:41 am

    Hi merlinda, yes, yon naman ang sabi ng BDO, at least 1 remittance from abroad in a year para ma-maintain na Kabayan siya. Oo puede yan na ikaw na lang ang magdeposit monthly for your savings. That’s a good practice – merong savings every month.

  192. juna on June 4th, 2013 1:34 am

    gud morning po, tanong ko lang po ung kabayan saving atm ko incorrect pin po xa pero nagamit ko na po ito for how many times na mgwithdraw dito sa dubai, ang inaalala ko lang po di po ba mawawala ang laman ng atm ko kc hinuhulogan ko parin xa at pwd ko ba xa papalitan ng pin pag uwi kahit saang bdo branch?

    thank you po

  193. Nors on June 4th, 2013 8:53 am

    Hi juna, try mo nga sa ibang atm machine, baka lang may glitch sa machine that you used. If it’s still incorrect PIN, it’s best if you call BDO why your PIN keeps rejected as Incorrect and ask her the status of your account and your balance. UAE: 800-0630-0021 or (Intl. Access Code) +800-8-6318000
    Yes, you can change PIN at a BDO atm machine here in the Phil, but if your old PIN can no longer be recognized by the machine, you go to your branch and have your atm card replaced.

  194. juna on June 4th, 2013 12:06 pm

    thank you po sa branch po ba kinuhanan ko ng atm ko o khit sang bdo bank?kc province po samin tas itong card ko sa manila ko to kinuha

  195. Nors on June 4th, 2013 9:20 pm

    Hi juna, yong pag-change ng PIN, puede kahit saang BDO atm machine, province or Metro Manila.
    Pero kung atm card replacement, ang alam ko dapat sa Manila branch na kinuhanan mo, kasi andon yong account-opening papers na pinirmahan mo.

  196. juna on June 4th, 2013 10:03 pm

    ah ganun po ba maraming salamat po mis nor

  197. joy on June 5th, 2013 10:10 am

    hi ma’am,

    Kakaopen lng po ng kabayan account ng mama ko, im wondering anu po remittance partner nio dito sa Plymouth Massachusetts USA and magkano po ang fees.

    Thank you in advance,

  198. Jonalyn Cabero on June 6th, 2013 2:46 pm


  199. Nors on June 7th, 2013 8:10 am

    Hi Jonalyn, if your account is closed, the remittance will not be posted. Are you sure it’s closed? You should go to your branch and request for it to be reopened. Bring your IDs. Depending on your case, you might pay a penalty. If it cannot be reopened, ask them how you can get your remittance. Usually what they suggest is for you to ask your husband to go back to the remittance company and amend or change his remittance from Deposit to Cash Pickup, so you can just get your money over the counter.

  200. Nors on June 8th, 2013 10:20 am

    Hi joy, sorry wala sa BDO list ang Plymouth, so your mother can use this list: money transfer firms in the u.s.

  201. merlinda canales on June 9th, 2013 3:23 pm

    hi po ulit maam….tanung q lng po zna qng zkaling mag padala ang husband q sa bdo kabayan q panu q po malalaman na nakapasok na ung pinadala nya sa bank account q tapoz po pede q rin po bang i-withdraw ung padala nya gamit ung atm q khit hindi na sa passbook or kailangan tlga passbook ang gagamitin q para ma withdraw ung padala nya kc po dba may remit # un pag nagpadala sya plz response tnx…

  202. Nors on June 10th, 2013 1:15 am

    Hi merlinda, yes, puede mong mawidro using your atm card at hindi na passbook. Pa-update mo na lang ang passbook mo maybe once in 2 or 3 months. Siguro, the day or 2nd day after remittance date, mag-balance inquiry ka na sa Atm. Depende kasi ang speed of remittance sa remittance company used. Meron ding the same day or within the hour na remittance. You can also use BDO’s Remit Status Inquiry on — you need the remittance number.

  203. nor-enn linares on June 10th, 2013 3:39 am

    Hi po! tanong ko lang kc kaoopen ko lang ng ATM .tapos nong makuha kona sinobukan kong mag deposet kaya lan,nong i inquire kuna d daw match yong reference#.tama naman sa resibo.saan po ang mali yong banko dito sa saudi?kc sa enternet lang ako ng enquire.thank you po

  204. Nors on June 10th, 2013 7:24 am

    Hi nor-enn, do you mean BDO Remit Status Inquiry at Try again the next day, baka wala pa sa system ng BDO yong remittance.

  205. Angel on June 11th, 2013 10:05 pm

    Hello Ma’am. I have a Kabayan Savings account. I’m currently here n Dubai. My mom in the US is planning to send me money via Kabayan Savings account. Would it be possible for me to withdraw it here in Dubai?

  206. Nors on June 12th, 2013 5:57 am

    Hi Angel, did you activate your atm card when you were in the Philippines? Does your atm card have a Mastercard or Visa logo? If yes, you can withdraw your Kabayan money in Dubai, but there are times when the BDO-Mastercard-or-Visa link does not work, so you cannot depend on it. How about just asking your mom to send you via Western Union for cash pickup there in Dubai?

  207. Jessa on June 12th, 2013 11:41 am

    Hi..miss nors,just wanna ask if I can open my own kabayan account even if I still 17 yrs foriegn fiance from ukraine kiev wants to send me money..,and he wants me to open a kabayan account so that he can very easy to send money to me.pls.response thanks

  208. Jesa Mercader on June 12th, 2013 2:19 pm

    Hi.,miss nors,,just wanna ask if I can open my own kabayan account even if I still 17 yrs old,b’coz my foriegn fiance wants to send me money, and he wants me to open a kabayan account,so that he can easy to send money to me.

  209. Nors on June 12th, 2013 4:21 pm

    Hi Jessa, yes, but first ask your fiance to send you money for cash pickup at BDO. When you receive this first remittance, use the BDO remittance receipt to apply for Kabayan. Bring your IDs (a school ID, school registration, or postal ID, with NSO birth certificate. Some BDO branches or tellers accept 1 ID if student, but some are stricter about IDs, so bring all IDs that you have.)

  210. james on June 12th, 2013 8:26 pm

    mam tanong ko lang kung make credit po ba sa account ko yung remittance ko kasi yung naencode na pangalan ko ay complete middle name pero tama po yung account number. yuyng naencode po sa enjaz ay JAMES PEREZ CRUZ pero yung nakalagay na name ko sa bdo kabayan savings bank book ay JAMES P CRUZ. d2 po ako ngayon sa saudi

  211. Nors on June 13th, 2013 12:51 pm

    Hi James, I’m not very sure, but I think it will not be credited immediately kasi hindi exact match ang James P Cruz at James Perez Cruz. May nag-comment dito na hindi na-credit kasi ang remittance walang Jr., eh yong account merong Jr. pero the same account no. Pero kung isinulat mo yong middle name mo sa enrollment mo noon, baka naman ma-credit after re-evaluation. Anyway, hindi naman mawawala ang remittance mo, ma-hold lang kung hindi ma-credit agad. Puede mong tanungin sa Contact page ng BDO ang question mo. Meron bang mag-a-update sa Philippines kung na-credit na to your account?

  212. james on June 13th, 2013 6:02 pm

    mam wala pong makapagupdate ksi po nasa akin yung atm pati na rin yung passbook.chineck ko po yung remit status sa bdo website nagmatch naman po yung reference track number pati yung date po ng transaction. dun sa remittance status inquiry

  213. Nors on June 14th, 2013 8:22 am

    Hi james, can you check again BDO Remit Status Inquiry if there’s a response that says Remittance credited to BDO account? If none, if you plan to work longer abroad and to remit frequently, you can try enrolling in BDO Internet banking

  214. MELISSA UNTALAN on June 19th, 2013 3:47 pm

    Hi po,
    My brother will going to saudi next week and want to secure an account for him and for my parents as beneficiaries. I told him to open bdo kababayan ofw account. paano sya magpapadala kung nag open cya na account sa Pilipinas at iiwanan nya sa parents namin ang atm at skanya ang passbook?Ano po particular na remittance center sa saudi para makapagpadala cya sa ioopen nya na account dito sa Pilipinas?Thanks

  215. Psyche on June 19th, 2013 9:58 pm


    I have a Kabayan Savings account(enrolled here in the Philippines). Let’s say someone living here in the Philippines wants to send me money, can I use the Kabayan Savings account to receive the money? Or is it for remittances only?

    I hope you can help.


  216. Nors on June 20th, 2013 10:50 am

    Hi Melissa, here’s a list of BDO Remittance partners in Saudi Your brother can remit directly to his BDO account through these remittance offices. Tell your brother to write his name on the remittance slip exactly the same as how his name is written on his passbook.

  217. Nors on June 20th, 2013 12:38 pm

    Hi Psyche, yes, your Kabayan account can receive over the counter deposits or remittances from other places in the Philippines.
    But to maintain your zero-maintaining privilege, dapat merong foreign remittance at least once a year.

  218. Aphrodite on June 22nd, 2013 3:37 pm

    Hi! I’m working here in sg andi have my kabayan accnt. The problem is I forgot my pin but the passbook and ATM still in my hand. And I want to know if the kabayan accnt also have an interest like other account. How much is the maintaining balance needed to gain interest? I Also want to open the junior saving accnt for my kids for their future, is there also an interest? If I put sg dollar in my accnt it will be converted to peso? How if I want a dollar account?thank you hope you can help me

  219. merlinda canales on June 26th, 2013 12:09 pm

    hi ms nor….ask q lng po zna ulit qng zkali po hindi q mgamit ung bdo kabayan q sa pag remitte dba po magiging normal saving account nlng ung bdo kabayan q qng zkali po bng maging normal savings account nlng ung kabayan q kailangan po b buwan buwan aq mag deposite ng 5,000 sa savings account q oh kailangan lng may 5,000 maintening balance lng aq sa account q khit hindi aq mkapag deposite monthly ng 5,000 ok lng po b khit 2months after pku mkpag deposite or pede po b ung monthly aq mag deposite pero hindi 5,000 ung amount ng edidiposite q plz response po tnx again….

  220. Nors on June 27th, 2013 12:54 pm

    Hi merlinda, yes, after 1 year na walang foreign remittance, magiging regular passbook account with 5k maintaining balance. Kahit hindi ka magdeposit ng 5k every month basta merong 5k doon sa account na hindi nagagalaw. Pag converted na into regular passbook, on the 2nd month na wala pang 5k or less than 5k, babawasan na ng penalty na 300 pesos at the end of the 2nd month, and another 300-peso penalty at the end of the 3rd month kapag below maintaining balance pa rin.

  221. Farah Belo on June 29th, 2013 3:20 pm

    Dito po ko sa Pinas nakatira at hubby ko nasa saudi.Nakakuha na po ko ng kabayan savings account(passbook at atm card) sa mall ako nakakuha.Pwede po ba ko mag deposit o magwithdraw sa ibang bdo bank o sa bdo sa mall? o dun lang talaga pwede sa pinagkuhanan ko ng passbook? Thanks sa pagsagot.

  222. Nors on June 29th, 2013 8:12 pm

    Hi Farah, you can deposit at any BDO branch. Pero kapag ang branch ay nasa ibang region, there’s a deposit fee of 50 pesos. (Among Metro Manila, Davao and Cebu, walang interregional deposit fee). Using your atm card, you can withdraw at any BDO atm machine for free.
    Merong fee ang over-the-counter withdrawal sa branch other than your branch. So preferably, withdraw using your atm card at a BDO machine.

  223. Jhomar on July 1st, 2013 4:42 pm

    hi po tanong ko lang po.. seman po ang bf ko. pinagopen nya po ako ng account na bdo kabayan kaya lang hindi pa nya po yun napapadalhan.. pwede po ba na ako muna ang maghulog dun.. nag cclose po yun kung hindi po yun mapapadlhan..? thanks po

  224. Judy Caparoso on July 2nd, 2013 3:05 pm

    Hi.. I want to access BDO online to know the current status of my KABAYAN SAVINGS CARD.. but im having a problem regarding the expiration of the card since the website is asking me the expiration date.. How would I know the expiration date of the card??? I think I opened the account last December 2012.. Plssss let me know how.. thanks a lot

  225. Nors on July 2nd, 2013 6:49 pm

    Hi Jhomar, yes, puedeng depositohan ang BDO Kabayan sa branch. Kelangan lang ang at least one remittance from abroad in a year para tuluy-tuloy na zero maintaining balance. Pag walang foreign remittance after a year, maco-convert ang Kabayan into a regular passbook account, at magre-require ng 5k maintaining balance, with 300-peso penalty starting from the 2nd month if hindi ma-maintain ang 5k.

  226. Chasha02 on July 2nd, 2013 9:10 pm

    Hello po, nag enroll ako sa BDO online banking since hindi ko po magawa yung hinihingi ng BDO saken para maka access ako sa online banking kinancel ko sya nasa Denmark po kasi ako wala BDO atm machine dito at wala din BDO bank. Safe ba pag cancel after ko mag enroll? Thank you

  227. Nors on July 2nd, 2013 9:48 pm

    Hi Judy, does your BDO card have the Mastercard logo? Usually they have expiration dates on the card. The Kabayan card that I have does not have a Mastercard logo, but it has a 4-digit no. below my name; does yours also have 4-digit? That could be the expiration date? Sorry I’m not sure; but you can try using it.
    By the way, when I enrolled my Kabayan in BDO Internet banking, I was not asked any expiration date. Can you check again?

  228. Nors on July 2nd, 2013 11:20 pm

    Hi Chasha02, yes, it’s okay to cancel. You can also do this option if you like:

  229. Chasha02 on July 3rd, 2013 1:19 am

    Mam Nors, pero ok na po ba yun di na ako naka enroll since nacancel ko na? Last question na lang po pwede ba ako mag balance sa ibang atm machine dito sa Denmark basta my mastercard po? Gusto ko lang kasi malaman kung ilan at kung narereceive ko talaga pera na ipinapadala ko sa atm ko. Nag woworry kasi ako gawa dun sa nakwento ng kaibigan ko. Thanks mam godbless!

  230. glyne19 on July 4th, 2013 5:00 pm

    Hi M’ Nors; how much po ang charge rate kung magpadala po ako tru kabayan BDO from philippines to qatar? Thanks po.

  231. Nors on July 5th, 2013 8:25 am

    Hi glyne19, do you mean yong papadalhan mo ay magwi-widro sa atm machine sa Qatar? Ang withdrawal fee is US$3.5 per transaction; pero hindi reliable ito, kasi there are times the BDO-Mastercard connection is not working. If kelangang-kelangan, magpadala ka na lang thru Western Union.

  232. joy on July 6th, 2013 3:31 am

    i’m here in the phillipines and i want to change my regular kabayan card into kabayan mastercard for my future plan of going abroad. what will be the requirments and the maintaining balance. is it possible to enable my atm card into kabayan mastercard eventhough i’m still here in the philippines?

  233. Nors on July 6th, 2013 6:31 pm

    Hi joy, visit your branch with your IDs/passport and ask if they can replace your Kabayan card with one that has a Mastercard logo. Another option is to open a regular atm savings account with a maintaining balance requirement of 2k. To be sure, ask if the atm card has a Mastercard logo.

  234. iya on July 6th, 2013 9:34 pm

    hi there! im currently working in dubai and needs to apply a checking account to pay my monthly charge for a property i got back home. is it there a way i can apply for checking account in dubai?thanks!

  235. Nors on July 7th, 2013 8:09 am

    Hi iya, opening a checking account should be done in person at the branch. I think the only account being offered abroad by BDO is the BDO Kabayan savings account. will get back to this question if I see something

  236. Neil on July 7th, 2013 1:51 pm

    Hi, I have a Kabayan Savings account (passbook & ATM card). Can I use my Kabayan ATM master card to purchase items at stores instead of withdrawing cash from ATM machine. Which stores accepted this card? Pls. advise.

    Thanks a lot!

  237. Gotrice on July 7th, 2013 3:02 pm

    Hello, i have a dual / joint BDO account with my wife in the Philippines, mine is a US$ account and hers a regular peso account, i would like to know if i can freely transfer funds between the two accounts? I am in China now and will be extending my stay longer than expected and wish to transfer cash to my wife’s account for her. Is there a limit or would it be a problem considering the different currencies? I have emailed BDO to no avail and my wife is pregnant in the province and to far for her to go to the nearest bank. I hope you can help me!

  238. Gotrice on July 7th, 2013 3:04 pm

    Oops forgot to add, i would like to do all of the above online!

  239. Nors on July 8th, 2013 9:05 am

    Hi, since you said your atm card has a Mastercard logo, you should be able to use it at Mastercard-linked stores anywhere. But to play safe, don’t rely on it so much because there are times that the e-link will not work. Perhaps it’s best to ask the cashier first before picking up items. regards

  240. Nors on July 8th, 2013 9:31 am

    Hi Gotrice, in the BDO Online Banking FAQs, it says there that transfer between accounts of different currencies are not yet allowed. I’m not sure if you can use their wire transfer service (with fees) to transfer dollars to your wife’s peso account. Wire transfer info is also in this FAQ page, if you like to check. Or you can just remit to her peso account via UAE Exchange — BDO remittance partners in China

  241. Gotrice on July 8th, 2013 9:46 am

    Thank you!!!

  242. Gotrice on July 9th, 2013 4:10 pm

    Hi Nors, Sorry to be bothering you again! I am interested in using the wire transfer service, seems the easiest way tbh, do you know if i can send to ANY country as well, that would save me a whole lot of time and stress. I operate business all over the world and in many different currencies, judging from what i have read on the BDO site it looks doable and there are no limits to the amount i send. Just worried about whether i can transfer to any bank, anywhere regardless of the currency involved. Also i wonder if you know if once i have already started the wire transaction and it is not yet completed if i can cancel mid transaction? My suppliers are not always reliable and i therefore need to withhold payments sometimes. I am sorry to always be asking you but you seem to be a lot more informed than the BDO staff as they always give me inaccurate information over the phone which leads to a lot of confusion and frustration for me!

  243. Janice on July 9th, 2013 9:29 pm

    Hi Ms Nors.. kaka open ko palang din po ng asenso kabayan savings account sa bdo, and my auntie is from the US, and she used xoom before pa ako magopen ng asenso kabayan card. before, she sends it sa regular atm bdo account ko, sa fee lang ng xoom na $4.99.. uhm, as I’ve read sa answers mo, xoom is bdo partner, so pag gumamit po sya ng xoom at ipapasok nya sa asenso kabayan account ko, that’s considered remittance na? and iisa lang ba charge nun which is yung $4.99 ng xoom? thanks in advance.. :)

  244. Nors on July 9th, 2013 11:31 pm

    Hi Gotrice, thanks for appreciating my efforts. I think BDO can send to many countries, specially to countries where they have correspondent banks. Here’s a list of BDO’s correspondent banks. In their online wire transfer form, there’s no info on country restrictions, but there’s a box for Swift code, so I think any bank that has a Swift code or BIC code, (and/or routing no. for certain banks), you can transfer to it.
    About canceling the transfer: there’s a point that “Edit/Cancel wire transfer” appears as an option, so there might be a super short window for cancellation. And there’s also an email or mobile verification process before the wire transfer is processed, so you have another chance to stop the transfer. But I think after verification, you can no longer stop the transfer. But please don’t rely on my info. Sometimes there are changes in their procedures. I suggest you make a small wire transfer trial first, before embarking on a big transfer. best regards

  245. Janice on July 9th, 2013 11:43 pm

    Hi Ms Nors.. kaka open ko palang din po ng asenso kabayan savings account sa bdo, and my auntie is from the US, and she used xoom before pa ako magopen ng asenso kabayan card. before, she sends it sa regular atm bdo account ko, sa fee lang ng xoom na $4.99.. uhm, as I’ve read sa answers mo, xoom is bdo partner, so pag gumamit po sya ng xoom at ipapasok nya sa asenso kabayan account ko, that’s considered remittance na dun sa kabayan account ko?? and iisa lang ba charge nun which is yung $4.99 ng xoom? thanks in advance..

  246. Nors on July 9th, 2013 11:54 pm

    Hi Janice, yes, xoom remittance is considered a foreign remittance, so it can be used to maintain your Kabayan. The fee of $4.99 is for remittance amounts up to $2,999 if US bank account is used as source of money. The fee ranges from $5.99 to 9.99 if debit or credit card is used as source.

  247. Janice on July 10th, 2013 12:03 am

    Thanks for your reply Ms Nors, yah, up to $2,999 their fee is $4.99, pero yun lang po talaga ang magiging charge nila sa xoom and wala na from xoom to bdo? Kasi the teller told me kanina, charge sa xoom, then may charge pa from xoom to bdo, but I guess it won’t apply naman na? And good thing it will keep my kabayan account alive ever, thanks. $4.99 lang is always her charge kasi it’s not reaching $3,000 naman eh. It’s from her checking account naman so ganun lang charge from xoom.. sorry for double posting, hope to have a reply from you again. thanks much! :)

  248. Nors on July 10th, 2013 10:18 am

    Hi Janice, dapat wala nang charge from xoom to bdo, specially that the remittance is from dollars to peso — meaning BDO can earn from the exchange rate. I pick up my Xoom remittance at the BDO counter in dollars, and they don’t charge anything. Please comment again if BDO deducts additional charge for Xoom-to-BDO transfer, and thanks.

  249. Rose Leopando on July 10th, 2013 5:33 pm

    Good morning po, just ask lang po about sa enrolment online. kc bakit po nag invalid atm number at savings accnt nung ng fill up ako ng form by online. Gusto ko po kc ma monitor ung savings ko by online.
    Please help po..i need immediate respond.
    sana po matulungan nyo ako.
    thank you very much!!!

  250. Nors on July 11th, 2013 10:37 am

    Hi Rose, is the atm card you’re enrolling in Internet banking a cash card? If yes, enroll first your savings account before attaching your cash card to your savings account.

  251. Grace Arellano on July 15th, 2013 5:19 pm

    Hi po.ngsend po ako nang money sa enjaz…bdo acount po ng mother ko.pero 11 digits lng po ung naienter na account no.embes na 12 abput the money is it safe.makukuha parin po ba ung money kapag na correct na ung account no.?pls help me.thank you

  252. Nors on July 16th, 2013 3:36 am

    Hi Grace, yes, the money you sent is still your money, and yes, your money should be safe. You just need to correct the account no. at enjaz.

  253. Grace Arellano on July 16th, 2013 9:07 am

    Thank you so much for the reply.

  254. Raymond Uy on July 16th, 2013 11:55 am

    Good day! I have BDO kabayan account but the last international deposit made was last May 2012 in Kuwait. I have decided to deposit on my local branch. I am still working abroad. They said that the account is still activated but it is no longer kabayan account instead a regular peso savings because no remittances for the past 1 year. Do they deduct fee for dormancy of the account? If yes, how much they will deduct. Thanks,…

  255. Nors on July 16th, 2013 4:37 pm

    Hi Raymond, your account is not yet dormant because May 2012 is just about 15 months past. A Philippine savings account becomes dormant when it has no deposit or withdrawal within 2 years. Since your account is now a regular passbook account, your maintaining balance requirement is 5k. If your average daily balance since May 2012 was more than 5k, then you didn’t incur any penalty. Penalty for below-maintaining-balance per month starting from 2nd consecutive month the account is below-maintaining-balance is 300 pesos.

  256. Benjie Ignacio on July 16th, 2013 6:42 pm

    Hi mam when I get a bank statement nka indicate ba lahat dun young remittance ko the whole year Khit na withdraw na mga pera?

  257. Nors on July 16th, 2013 10:38 pm

    Hi Benjie, yes, request mo lang na over the past 12 months. Andon ang date of transaction, debit amount (withdrawal), credit amount (deposit or remittance) and balance at end of day, and then total balance

  258. mel on July 17th, 2013 2:41 am

    Hi mam tanong ko lang po ksi hinulogan ng asawa q ung kabayan savings account koh.nasa japan po cia.pero sa pinas pinadala pwdi q po ba ma widraw dito…salamat po plz. Reply po.

  259. Nors on July 17th, 2013 5:21 pm

    Hi mel, yes, if your atm card has a Mastercard logo. Try at Mastercard atm machines; but be ready to be disappointed because sometimes the BDO-Mastercard link does not work.

  260. mel on July 17th, 2013 10:53 pm

    Hi ms.nors salamat po..!tanong q lng po ulit peso po un…kpag dto po aq ng widraw…riyal po ba ung mkukuha ko…tnx po god bless and more power…!

  261. gayle on July 18th, 2013 2:45 am

    Hi.. I have a kabayan account and I have it with me along with the atm card (which i forgot the pin code).. I would just like to know if it’s safe to deposit to my kabayan account and how can i update the passbook? we we’re informed that we can update it at “partner” banks of bdo here in saudi when we had our pdos.. which bank can we do that? we were not als informed that we have to do the online banking via atm machines in the phil.. i just learned that the time that i was here already.. and any chance that you know how much is the remittance charges or what’s the best remittance center for bdo here in saudi?

    hoping for your response.. thanks

  262. Nors on July 18th, 2013 9:51 pm

    Hi mel, yes, riyal ang lalabas sa atm machine, kaya dapat yong amount na wiwidrohin mo ay in riyal.

  263. Nors on July 18th, 2013 9:59 pm

    Hi gayle, here’s a list of BDO remittance partners in Saudi Arabia What you can do is to track your remittance using BDO Remit Inquiry at
    Pag magtagal ka pa sa Saudi, you can try enrolling in BDO Internet banking
    Ang alam ko you cannot check your Kabayan balance through BDO remittance partners kasi these partners don’t have access to your account.
    You can check your balance at a Mastercard atm there in Saudi if your atm card has a Mastercard logo and if the BDO-Mastercard link is working at the time you’re checking.

  264. Grace Arellano on July 19th, 2013 9:25 pm

    Hi po.ilang days po makukuha ung money sa atm kung naayus nayung maling account naenter ng teller?and mga ten days na po ang nakaraan bago naayus ung account no.makukuha parin po ba ung money?

  265. Nors on July 20th, 2013 8:54 am

    Hi Grace, I hope by now, nag-apir na sa atm ng recipient mo ang pera. Kung wala pa, ask your recipient to call BDO. Tell your recipient the amount sent, date remitted and date account no. was corrected.

  266. mel on July 20th, 2013 2:46 pm

    Mam nors..!tanong ko po ulit kong papavalidate q pa ung passbook ko sa pinas para pmasok po ung pera dun….at mkuha q na d2 sa saudi slmat po!

  267. Nors on July 20th, 2013 11:18 pm

    Hi mel, hindi pinapa-validate ang passbook. Yong atm card ang vina-validate — nava-validate ito kapag nalagyan na ng sariling PIN no. Tama kaya yong naisulat na account name at account number sa remittance?

  268. mel on July 20th, 2013 11:59 pm

    Yes mam tama po un…meron ndin po aq sariling pin..!thank you po mam..!

  269. Grace Arellano on July 21st, 2013 9:27 am

    Na follow up ko na po sa teller ung kulang na account no.ang sabi nila hindi sa atm kukunin ung money ..mag over the counter po ipakita daw po nung recipient ung Transaction reference no. With valid id ..sure na po ba un???sa monday pa po pupunta ang mama ko.i hope ok na.makuha na ung money…

  270. Nors on July 21st, 2013 12:02 pm

    Hi Grace, ganon daw ba? Naisip ko lang, kung correct na ang account number, at sa account ng mother mo pinadala ang pera, dapat makita na ang remittance via atm machine. Pero dahil yan ang sinabi nila, na over-the-counter kunin, baka merong gustong i-verify sa mother mo in person. So sige punta na lang ang mother mo, together with her IDs, her passbook and atm card, and all info (like amount sent and dates, remittance company, transaction or reference no.) regarding your remittance, para alam niyang sagutin ang mga tanong, just in case tatanungin siya.

  271. Jillian on July 21st, 2013 5:14 pm

    Mam Nors, ask ko lang po may specific na ATM machine po ba kung saan pwede magwithdraw kapag dollar account? nagwiwithdraw po kasi ako sa ATM lumalabas po insufficient fund. Ano po ilalagay na amount peso or dollar? Hindi po kc ako makapagwithdraw. Thanks po.

  272. Nors on July 21st, 2013 10:39 pm

    Hi Jillian, BDO US dollar account ito? Ang alam ko puede kahit anong BDO atm machine. Matagal nang closed ang dollar account ko sa BDO, so medyo nakalimutan ko na, pero ang alam ko, dapat peso amount ang i-enter, kasi peso bills ang lalabas from the machine. Kung dollar amount ang i-enter, paano ibibigay ng machine ang less than 100 pesos? At saka, parang merong additional charge ito for the conversion/exchange process, so it’s better if you withdraw your dollars over the counter.

  273. bhabychina on July 22nd, 2013 5:22 am

    gud am,..gusto ko lang po itanong kung my BDO offices ba near Sheraton Hotel e2 po ung Address:Olaya Junction of King Fahad and King Abdullah Road, Riyadh, na pwede pong mg open ng BDO Kabayan Saving accnt,.tnx & God Bless,..

  274. Nors on July 22nd, 2013 10:48 pm

    Hi bhabychina, pakicheck na lang dito kung merong malapit sa Sheraton Hotel: BDO remittance partners in Saudi Arabia

  275. Richelle quisto on July 23rd, 2013 5:31 pm

    Good afternoon po. Ask ko lang po about dun sa security code na hinhingi kapag may transaction ka online. Ang ilalagay po ba is yung pin code po kapag mag wiwithdraw sa atm? Kung yun man po, nagiincorrect po sya sa billing form.

  276. Nors on July 23rd, 2013 6:24 pm

    Hi Richelle, have your cellphone with you everytime you perform BDO Internet banking. Now BDO sends a security code to your cellphone (cell no. you wrote in your BDO personal data) everytime you login or transact

  277. Richelle quisto on July 23rd, 2013 7:30 pm

    Ay hndi po, ang tinutukoy ko po sa online transaction tulad ng online shopping ( sorry for not being specific). May hinhingi po kasi silang security code at at tinataype ko ung sa pincode pag mag wwithdraw. Pero nag iinvalid sya every time na ipapasa ko ng ung form ko.

  278. Nors on July 24th, 2013 12:21 pm

    Hi Richelle, ah ganon ba? Ang security code ay yong 3 digits sa likod ng credit card or debit card (Mastercard or Visa). Sorry hindi pang-online shopping ang BDO Kabayan kahit merong Mastercard logo. Ang hinihingi rin sa online shopping ay expiry date, wala ring expiry date ang Kabayan. If you like online shopping, you can get a Smart Money or Gcash card (yong mga new versions). Puede rin ito: BPI ePrepaid Mastercard or Union Bank Eon Visa debit card

  279. Ashi on July 26th, 2013 1:05 pm

    My friend ask me to withdraw from her kabayan savings account. She gave me her passbook and 1 valid id plus the withdrawal slip signed by her. Can i withdraw from her account as her representative??

  280. Ria Cabiles on July 26th, 2013 3:27 pm

    Good day po maam… Im planning to open kabayan savings acct… I have only 1 valid id… Mkkpag open po b ako khit na hindi ako ofw… Plan po kc ng husband ko n dun ipadala ang pera.. Ns singapore po sya ngttrabaho… Maraming slamat po…

  281. Nors on July 26th, 2013 6:26 pm

    Hi Ashi, if the withdrawal slip has a portion for “withdrawal by a representative”, yes, you can withdraw as a representative. Your friend’s signature should be the same as her signature in the bank’s database. Bring your ID, in case the teller asks for your ID. Based on my sister’s experience, there’s a withdrawal fee if you withdraw in another branch.

  282. Nors on July 26th, 2013 7:00 pm

    Hi Ria, bring one receipt of any remittance from your husband to prove that you will receive money from abroad. BDO requires 2 valid IDs; but try asking. Another option: your husband can open a BDO Remit cash card in Singapore and then instruct BDO to send the atm card to you. A BDO Remit card can receive up to 100k. List of BDO Remittance partners in Singapore

  283. mel on July 26th, 2013 8:36 pm

    Hi po mam…tnong q lng po hndi po mag close ung account q sa bdo kabayan savings..kc ng widdraw,po aq ng 0 balance po..kc po huhulogan ng asawa q sa japan..!salamat po

  284. Nors on July 27th, 2013 9:25 am

    Hi mel, kelan yong last remittance from your husband to your Kabayan? Kung nakapag-remit ang husband mo from Japan to your Kabayan kahit minsan lang in the last 12 months, active pa ang account mo at Kabayan pa rin siya. Okay lang na zero balance ang Kabayan basta magdeposit ang husband mo from Japan at least once in 12 months. Pare sure, try mong mag-balance inquiry ngayon sa atm machine. Kung merong “current balance” at “available balance”, kahit zero, active pa ang Kabayan mo.

  285. salvacion panuelos on July 30th, 2013 5:09 pm

    hi,im salvacion.nakalimutan ko po kc yong pin code ko.hanggang ngayon hinuhulugan ko pa account ko.pano ko po ba maveverify uli eto.wala bang magiging problema sa pera ko.makukuha ko po ba eto pag uwi ko ng pinas.salamat po

  286. Rolando Vicente on July 31st, 2013 5:07 am

    Good morning po maa’m/sir.First time ko po mag open ng kabayan savings acct dito po ako sa saudi at my bdo representative kayo dito na nasa Tahweel Al Rajhi bank kaya nagpa open ako dito at natanggap ko naman na po ang passbook at atm card.pero sabi po ng representative nyo ay sa pinas ko lang po mapalitan ng PIN ang atm para maka withdraw at ma check ang balance so assuming na po iyon ngayon hinuhulugan ko na siya sa account at name ko din paano ko po masiguro na sa pag uwi ko ng pinas ay makukuha ko po ang pera na hinulog ko dito sa saudi?tina try ko po siyang i check sa online BDO remit status inquiry searching not found ang sinasabi.Thanks po at glad to hear your reply. :)

  287. Nors on July 31st, 2013 7:53 am

    Hi Rolando, upon arrival, you can withdraw immediately even without activating your atm card. Just pay 100 pesos if withdrawal is in another branch. Is your BDO branch indicated in your passbook? It should be there where you will link your atm card to your account before changing your PIN. Try enrolling in BDO Internet banking so you can track your account. If you can see “I don’t have access to an atm machine” sa enrollment process, that means BDO is still accepting enrollment validation via postal mail. How to enroll in BDO Internet banking while abroad By the way, would you please reply if there’s a branch written in your passbook, and if it’s the BDO Buendia-Paseo de Roxas; would like to know so I can be more sure about my replies to others.

  288. Nors on July 31st, 2013 8:53 am

    Hi salvacion, nasa iyo ang atm card at passbook mo? Para lang sure na walang makawidro using your passbook. Pagdating ng Philippines, you can withdraw using your passbook. Or go first to the branch written in your passbook to reset your PIN. Pag magtagal ka pa diyan, you can enroll in BDO Internet banking so you can check your account.

  289. Jen on July 31st, 2013 5:55 pm

    hi, tanung ko lang po, ilang araw po ba darating ang pera? i use kabayan savings account, yung bf ko from Netherlands nagsend sa akin ng pera through online until now hindi ko pa na receive ang pero, 3 days na po.

  290. Nors on July 31st, 2013 10:09 pm

    Hi Jen, depende kung anong online remittance ang ginamit. Within the hour, the same day or next day up to 7 days or more. Paypal? wire transfer from his bank? Mas mabilis kapag Western Union or Moneygram or any BDO remittance partner

  291. Jen on July 31st, 2013 10:41 pm

    he’s using wire transfer from his bank. by the way nakalimutan kung lagyan ng middle name yung name ko, ok lang po ba yun? if not, what is the possible happen?

  292. Rolando Vicente on August 1st, 2013 4:00 am

    Hi there thanks for the reply much appreciated.Nakalagay po na branch nya ay ganito po 278: PASEO – GIL PUYAT pero taga baguio po ako so kahit po ba sa baguio ay dun ko na lang gawin ang request for linking sa atm kabayan savings cards?Thanks again :)

  293. Nors on August 1st, 2013 5:26 am

    Hi Rolando, thanks for the branch info. Months ago, the BDO officer who answered my phone call said that the linking should be done at that branch; pero paano pala yong mga going home to the provinces, particularly those in Mindanao or the Visayas. Dapat puede sa other branch. Just to be sure, and while you’re abroad, you can ask this concern at BDO’s Contact page:

  294. Nors on August 1st, 2013 5:36 am

    Hi Jen, yes, not writing middle name should be okay.

  295. Tinabel on August 1st, 2013 4:58 pm

    Gusto ko po malaman kung magkano ung balance nasa kabayan atm ko..Di ko po alam kung ano pipindutin. Yhanks po sa pag answer.

  296. Nors on August 1st, 2013 8:57 pm

    Hi Tinabel, pindutin mo ang Balance Inquiry or Inquire Balance

  297. iyah on August 1st, 2013 10:26 pm

    good eve po, ask ko lang po magkanu charge if magpadala sa kabayan savings account from doha qatar ? ilang days po bago dumating ung pera? salamat po

  298. iyah on August 1st, 2013 10:42 pm

    hello, iyah here again, i just wanna ask how much will it cost for sending money from doha qatar to a kabayan savings account here in the philippines? how long will it took before the money be credited to the account? thanks

  299. Nors on August 2nd, 2013 11:10 am

    Hi iyah, the cost ranges from 15 to 25 qatari riyal. Money will be credited in 2 to 5 days. Pag Western Union, within the hour or the same day.

  300. salvacionpanuelos on August 3rd, 2013 5:38 pm

    hi mam nors.nsa akin po ang atm at passbook.ok po tnx sa reply nyo.pero pde pa pong bigyan ako ng bank ng new atm.2 yrs pa po ako d2 kaya matatagalan pa bago ako maka uwi

  301. Nors on August 3rd, 2013 9:28 pm

    Hi salvacion, what do you mean…another account? Yes, you can open a BDO Remit cash card at a BDO partner there and instruct BDO to send this cash card to your family.

  302. sheryl on August 5th, 2013 1:14 pm

    good day ma’am, last thursday, aug. 1 2013 i’ve deposited money in my kabayan savings account at al rahji bank here in riyadh,just to know if it is credited in my account i went to your website and access the remittance inquiry but unfortunately after entering the reference number for the payment i have made, the result is no match found. I’ve checked many times and make sure i’ve encoded the correct reference number but still no match found. what can i do to confirm that the money i deposited is safe in my account. i have with me the bank book together with the BDo card

  303. sheryl on August 5th, 2013 1:18 pm

    khit po ba andito ako sa riyadh, magagamit ko po ba ang kabayan atm card sa mga atm machines dito para malaman kung magkano pa po ang balance ko?.. salamat po

  304. Nors on August 5th, 2013 4:14 pm

    Hi sheryl, does your atm card have a Mastercard logo? If yes, you can make a balance inquiry at a machine there with Mastercard logo. Inquiry fee is 1 or 1.50 US dollar. Try it maybe 5 days after you remitted. Keep your remittance receipts.

  305. Juvy fortes on August 6th, 2013 9:17 am

    Hi po ,ask klng po nasa kuwait po ang sisiter ko pinapatanong po bakit po pagnaghuhulog ang sister ko sa bank ng bdo sa kabayan sa kuwait nde daw po nilalagay sa passbook ang hinuhulog na pera niya at nababawasan po kada hulog may charges pa dito.tnx po rply mam nors

  306. sheryl on August 6th, 2013 11:58 am

    thank you po.. possible po ba na kaya no match found pa ang lumalabas sa remittance inquiry ko sa bdo website nyo eh dahil di pa ito naipapasok ang pinadala ko?.. :)

  307. Nors on August 6th, 2013 10:02 pm

    Hi Juvy, hindi kasi BDO bank yong pinaghuhulogan niya doon. Remittance company yon, at hindi branch ng BDO. Pa-update nio na lang yong passbook pag nagbakasyon dito. Remittance partner ba ng BDO siya naghuhulog? Para cheaper ang remittance fee. Kung nagbayad na doon, dapat wala nang bayad dito — parang merong bawas kasi mas mababa ang exchange rate na ginagamit ng bank. Kung meron talagang charges, call BDO and ask why there are additional charges. Kapag wire transfer, yon ang merong bayad pa rin dito.

  308. Nors on August 6th, 2013 10:46 pm

    Hi sheryl, yes, puedeng ganon na baka wala pa sa BDO system ang pera mo. Check mo uli the next day. By the way, this is a personal blog — not affiliated with BDO. thanks and take care

  309. Lowie on August 7th, 2013 9:14 pm

    hello there,

    I have a kabayan account from BDO, I just wanted to check if this is still active. Is there anyway I can check it?


  310. jhadie on August 8th, 2013 9:28 am

    hi gud am po.. tanong ko lang po.. pinag open po ako ng account ng bf ko.. ATM DEBIT CARD po ang binigay sakin..pwede po ba nya ako padalhan dun po sa account ko na yun.? t.y

  311. Nors on August 8th, 2013 9:11 pm

    Hi jhadie, yes, your atm savings account (atm debit card) can receive remittance from abroad.

  312. Nors on August 9th, 2013 12:39 am

    Hi Lowie, does your atm card have a Mastercard logo? You can make a balance inquiry at a Mastercard-linked atm machine there. Balance inquiry fee is 1 or 1.50 US dollar. If you have not remitted to it for 13 months, or 1 year and 1 month, I think it’s already closed. You can also call BDO

  313. Lowie on August 9th, 2013 4:16 am

    Hi Sir Nors,

    thank you so much for the response.

    Yes it has a mastercard logo. I have actually did balance inquiry here in dubai. The only thing i don’t know if I can still use it or I still still deposit to my account because I am not sure if it is still active. If it’s deactivated can i still activated it or do I have to open a new account from BDO..?

    thanks so much…

  314. Nors on August 9th, 2013 11:14 am

    Hi Lowie, if you can still access your account through atm today, then it’s still active. If it’s already closed, I think it’s better if you open a new account because if you reopen and they allow, you’ll have to pay some below-maintaining-balance penalties.

  315. Lowie on August 9th, 2013 1:58 pm


    Thanks so much Nors and your website really helps a lot to those have inquiries.. More power and thanks again..


  316. Nors on August 10th, 2013 2:14 pm

    Hi Lowie, thank you very much for your your encouragement. Means a lot to us. More power too to your endeavors

  317. zhel on August 10th, 2013 11:19 pm

    Hi maam,gud evening po!
    Pwde po bang mag fill up alication on line?tnx

  318. Nors on August 11th, 2013 9:35 am

    Hi zhel, do you mean applying online for Kabayan or cash card? Sorry you have to go to a BDO branch to apply.

  319. salvacionpanuelos on August 11th, 2013 11:23 pm

    gud eve po mam nors,hndi po new account same account po kc hinuhulugan ko pa po etong account atm lng p sana gusto in same account .tnx po

  320. Nors on August 12th, 2013 10:19 am

    Hi salvacion, you mean 2 atm cards for the same account? Ang alam ko puede lang ito kung joint account. If you mean replacement atm card because your first card was lost or damaged, yes, you can, but you need to ask in person at your branch in the Phil. You will activate it again by entering your desired PIN no. at a BDO atm machine

  321. jeffrey alisoso on August 12th, 2013 10:47 am

    hello maam..goodmorning..
    my brother in law is working at gusto nya po akong mag apply for kabayan savings account para dito na lang po niya e remmit yong pinapadala samin buwan buwan.pwede po ba yon?.

    thanks po

  322. Nors on August 12th, 2013 12:25 pm

    Hi jeffrey, yes, you can apply for a Kabayan account. Bring 2 valid IDs and a photo and at least one remittance receipt from abroad (any remittance firm) addressed to you and 100 pesos for initial deposit.

  323. jeffrey alisoso on August 12th, 2013 3:37 pm

    thanks ms nors for the info..
    its a big to me..
    god bless and more power..

  324. mars acosta divinagracia on August 14th, 2013 7:55 am

    good day maam,my atm card was stolen last friday,august9,2013.i can’t do anything about it because im here in brazil,so i told my brother to report it to any bdo branch in manila,but they told my brother that he is not allowed to say or tell the bank that my card was lost and need to block immediately.why they want me to call 6018000 just to tell them that my atm card was lost and need to block immediately?

  325. Nors on August 15th, 2013 1:06 am

    Hi jeffrey, thanks too and God bless too

  326. Nors on August 15th, 2013 4:46 am

    Hi mars, true, it’s frustrating, but that’s because you’re the owner of the atm card. Bank officers are so careful about their own liabilities so they’re strict with bank policies. Puede rin kasing mag-sue ang atm card owner kung hindi siya nakawidro dahil na-block na hindi naman niya pina-block (example sa case ng nag-aaway na mag-asawa).

  327. xhyne naye on August 17th, 2013 8:34 am

    Hello. Yung Kabayan Savings Account po, pwede din po ba mag deposit yung friend ko na nakatira dito sa Pinas? I mean, pwede din ba yung transactions na Pinas to Pinas or yung from other countries lang talaga ang pwede? TIA :)

  328. Nors on August 17th, 2013 10:11 pm

    Hi xhyne, yes, puedeng magdeposit yong nakatira dito sa Pinas sa Kabayan o yong sabi mong Pinas to Pinas

  329. Jennifer on August 20th, 2013 3:10 pm

    Hello po, meron po akong friend na ihinabilin niya sakin yung ofw card niya bago umalis ng ibang bansa. Kaso po, nawala. Wala akong alam n detalye s card. Meron po bang paraan para ako kumuha ng bagong ofw card cia n ako ang mag aasikaso? Masyado po kac ciang busy pra asikasuhin p to o tumawag. Hoping for your kind reply.

  330. eduardo maruzo jr on August 20th, 2013 8:03 pm

    anyong ha seyoo…. mam/sir, i just have a question about online banking activation of my kabayan’s account.. The problem is i’m here now in UAE and i don’t know how to activate my account.. what should i do?.. can u help me please!…

  331. Nors on August 21st, 2013 8:22 pm

    Hi eduardo, print your acknowledgment page, sign it, and send to your branch by postal mail: BDO Internet banking enrollment overseas

  332. Nors on August 21st, 2013 8:26 pm

    Hi Jennifer, sorry you cannot ask for a replacement card for your friend because it’s not your account. Kahit nga yata siya tumawag, hindi siya makakakuha, kasi dapat in person. But he can call BDO and report the loss of his atm card.

  333. Mickel on August 24th, 2013 8:24 pm

    Good day!! hi mam.. ask ko lang po.. ok lang po ba if sa Pilipinas ko na ipapa-update ang passbook ko?? thanks and godbless

  334. Nors on August 24th, 2013 10:56 pm

    Hi Mickel, yes, sa Pilipinas mo lang naman talaga mapapa-update yan (except lang yong mga inopen sa HongKong, so puede rin sa HK ang updating).

  335. Marvin Cueto on August 25th, 2013 6:57 pm

    Good day po!
    I just want to ask, how would I know if my Kabayan Savings account is already closed. Because I haven’t deposited any amount more than a year now, 1 year and 1mo. to be exact. If it’s closed, could I re-open it or should I get a new one? Please help me with this matter.

  336. Michael Bacani on August 31st, 2013 2:25 pm

    Gud day, ask ko lang po. I’m here now at Saudi. I have an account at BDO. Gusto ko sanang i TIME DEPOSIT ng 1 year yung pera ko sa bdo. Possible po kya yun khit na nandito ako sa abroad? If possible paano po ba ang dapat Kong gawin? Thanks

  337. janzkie on August 31st, 2013 5:37 pm

    hello po, i just got my kabayan atm card, magagamit ko ba ito sa US? at pano po ako makapag hulog ng pera sa kabayan savings ko pag nasa US na po ako at yung fees po.. and lastly, magkano po charge kapag mag dedeposit po ko sa ibang bdo branch? salamat ng marami..

    eto pa po, how can we link bdo kabayan savings with paypal.. i have money in my paypal account but i dont know how to withdraw.. thanks

  338. Nors on August 31st, 2013 10:47 pm

    Hi Michael, opening a time deposit should be done in person at the branch, even if the source of money is another BDO account. great that you’re saving.

  339. Nors on August 31st, 2013 11:05 pm

    Hi janzkie, if your atm card has a Mastercard logo, yes, you can use it abroad at Mastercard-linked atms. You can remit/deposit to your Kabayan through BDO remittance partners like Xoom, Moneygram, Wells Fargo, etc. Sa XOOM, puede online if you have a US bank account or debit or credit card. Here are other BDO remittance partners in the U.S.
    About Paypal, yes, you enroll/attach your BDO account to your Paypal. Login to Paypal and then click My Account, Profile, then Add/Edit bank account. Paypal code for BDO is 010530667. Add 00 to your account no. 00xxxxxxxx.

  340. janzkie on September 3rd, 2013 12:08 pm

    thank you po for fast response…

  341. mariam on September 4th, 2013 2:51 pm

    Good Day!

    Ask ko lng po about sa kabayan bdo account, I am here in UAE, gusto ko po sana mag open ng kabayana account. Possible po ba na magpa open po ako sa fiance ko sa pinas pero gusto ko po nakapangalan sakin ung card.

    Hoping for your reply.


  342. Nors on September 4th, 2013 9:27 pm

    Hi mariam, sorry hindi puedeng mag-open ang fiance mo ng BDO account or any other bank account for you. Kelangang ikaw, in person. Merong mga BDO remittance partners in UAE that offer BDO Kabayan account opening; puede mong padalhan itong Kabayan account na ito from UAE, and then withdraw via passbook pag nasa Phils ka na. Yong atm card, you go first to the BDO Buendia-Paseo branch to link your atm card to your account before you can use it. Here are BDO Remittance partners in Dubai

  343. madel on September 5th, 2013 1:51 pm

    i opened bdo kabayan savings account in the philippines but i forgot to enroll it on online banking. i just enrolled now that im here in saudi arabia. how can i get the approval of my enrollment?

  344. Nors on September 5th, 2013 10:37 pm
  345. GEMINIANO A CAYANAN on September 6th, 2013 11:17 pm


  346. Nors on September 7th, 2013 9:21 am

    Hi Geminiano, yes, meron. It gets the same interest rate as regular dollar savings accounts: 0.25% per year. Minimum balance to earn interest: $500. Withholding tax for interest earned: 7.5%

  347. kate on September 8th, 2013 6:23 am

    hi can i link my bdo kabayan savings account to paypal? thanks

  348. Nors on September 8th, 2013 7:13 pm

    Hi kate, yes, you can link Kabayan to Paypal just like a regular savings account

  349. Rochelle jane carrera on September 10th, 2013 8:14 am

    Hi im rochelle working here in riyadh, i have a kabayan savings account which i opened in the philippines, id like to ask if its possible for me to deposit on my account through enjaz? Thank you

  350. Nors on September 10th, 2013 10:19 am

    Hi Rochelle, yes, you can remit through Enjaz at Bank Al Bilad, or at Al Rajhi — these are BDO remittance partners in Riyadh

  351. Michael Bacani on September 10th, 2013 2:34 pm

    Good day, ask ko lang po kung magkano ang interest kapag nag time deposit ka sa bdo ng 100, 000 for 1 year? Thanks

  352. Nors on September 11th, 2013 10:28 am

    Hi Michael, at BDO, the annual interest rate for 100k time deposit in 360 days is 0.625%
    Interest = 100,000 x 0.00625 X 360/360 x 0.80
    Interest = 625 x 1 x 0.80 = 500 pesos
    Puedeng around 550 to 600 pesos, if BDO compounds the interest every month or every quarter
    Merong 0.80 kasi 80% of interest lang ang makukuha mo; 20% ay pupunta sa tax

  353. iamswettine on September 15th, 2013 4:24 pm

    may interest po ba ang kabayan savings account?

  354. iamsweettine on September 15th, 2013 4:27 pm

    Mam,ask ko lang po,meron po akong kabayan savings account pero nagdedeposit po ako personally sa BDO. not by remittances. matatransfer po ba yon as peso savings account/

  355. Nors on September 16th, 2013 6:40 am

    Hi iamswettine, yes, meron, basta meron kayong average daily balance na at least 5k. Interest rate is 0.5%, or not sure kung the same na with regular savings rate na 0.25%

  356. Nors on September 16th, 2013 6:49 am

    Hi iamsweettine, yes, after 12 months and there had been no remittance from abroad, your Kabayan will be converted into a regular passbook, which will require a 5k-maintaining-balance amount. Kung nagse-save ka naman na dito at napalago mo na ay okay na…basta huwag mo lang pabayaan na bumaba ang balance sa 5k.

  357. ann on September 16th, 2013 7:48 pm

    Hi… I just want to ask if my bdo kabayan savings ay pwedeng e inquire and withdraw money sa hsbc atm machine? And how much is the charge in every transactions? Im here in hongkong right nw at meju malau pu kc skin.. thank u pu

  358. eunice on September 26th, 2013 1:39 pm

    Gndang arw po ask lng po aq nwla po kc un kbayan savings atm q last 2011 and i have it replaced on d same year but d problem is since d tym n nareplace po un atm q ndi n po ngkron ng remittance from abroad dhil s atm n po n nkapanglan s aswa q un lging it still activated? Ano po kya pde gwin pra magmit q ulit xa…and 1 more thimg is that gs2 q rn po ppalitan sa married name q un passbook & atm kc po wla p po aq valid id n nka name n po sa surname ng aswa q nung nagapply aq ng account…sna po m2lungan niu po aq. Tnx.

  359. syrel on September 27th, 2013 7:31 am

    Goodmoring ask ko po bkit wala pa yong perang pinadala ng amo ko sa saving acct no. ko na 4492608187.pinadala po noong sept.second week.maraming salamat…

  360. Nors on September 27th, 2013 12:43 pm

    Hi ann, you can withdraw if your Kabayan atm card has a Mastercard logo. Withdrawal fee is US$3.50 and balance inquiry fee is S1 to $1.50

  361. Nors on September 27th, 2013 12:48 pm

    Hi eunice, kung since 2011 pa na hindi nadepositohan ang account, matagal nang closed yon. Mag-open ka na lang ng new Kabayan account para maka-open ka na rin using your married name. Bring valid IDs plus ID photo and 1 or 2 receipts of remittances from abroad

  362. Nors on September 27th, 2013 12:51 pm

    Hi syrel, depende kung paano niya pinadala. Meron kasing mas mabilis at mas mabagal na remittance firm. Ask your amo kung anong remittance company and reference or transaction no. so you can trace your remittance. Kapag BDO remittance partner, puede mong gamitin yong BDO Remit Inquiry sa using reference no.

  363. kate on September 28th, 2013 7:24 am

    hi. i tried to link my bdo savings account to paypal and i think it was already verified. but when i started to do transactions it always ssays “We couldn’t complete your purchase, because the card issuer declined your card MasterCard” .
    why is that so when i have enough balance on my account. thanks!

  364. Nors on September 28th, 2013 12:39 pm

    Hi kate, a BDO savings account can only be used for transferring money from Paypal to your account, and not from BDO to Paypal even if your atm card is Mastercard-linked. Use a Mastercard/Visa card that has a 16-digit no., an expiry date and a security code. You can use a
    BPI ePrepaid Mastercard prepaid card or a UnionBank Visa Eon card

  365. pao on September 28th, 2013 5:51 pm

    hi ma’am,

    ako po ay nasa doha qatar, ngayon may mga queries ako about sa account ko kase naka kabayan savings ako e nakuha ko po yun paalis nako so hindi sya activated, jan 2012 ko siya nakuha at nahulugan ko ng march 2012, tapos last hulog ko is sept 2013. confused po ako kase mamaya di na pala active account ko e nahulugan ko na siya. til may nag refer saken na kabayan na representative daw ng BDO QATAR si don lozano po ang name, e ibnigay ko po acct no. adress at full name ko.. worried ako baka po scam yon o hinde, pero naibigay naman nya yung balance ng acct ko sana po matulungan nyo ako. pauwe kase ako ng pinas di ako mapalagay. salamat

  366. pao on September 28th, 2013 6:10 pm

    Please reply thanks

  367. Nors on September 29th, 2013 8:23 am

    Hi pao, the first thing you do after you arrive in the Phils is to go to BDO and check your account. Pa-update mo ang passbook mo. Yong account balance mo ba in March 2012 was higher than 5k? 5k ang maintaining balance ng regular passbook account. Kasi I assume na na-convert ang Kabayan mo into a regular account in March 2013, kasi hindi mo siya nalagyan ng remittance within a year. Pero okay lang yon basta more than 5k ang balance. I’m puzzled na merong BDO representative diyan na walang office. Dapat merong office o nasa loob siya ng partner bank or remittance company. Anyway, kahit alam niya ang account name and no. mo, hindi naman makukuha ang money mo, kasi nasa iyo naman ang passbook mo. Kung regular account na ang account mo, make sure na palaging 5k or more ang naiiwang balance

  368. pao on September 29th, 2013 2:09 pm

    ahm nasa 2k php lang po ung balance nun ma’am nung march 2012 e tpos sept 2013 nahulugan ko sya which is more than 5k, sabe naman saken nung representative daw e pumasok daw yung hinulog ko so makkuha ko po ba yun sa pinas agad? tsaka sabe daw dito once na di pumasok ung hinulog e tatawagan daw e may wala naman po tumawag.

  369. pao on September 29th, 2013 2:12 pm

    basta maam if ever ba makukuha ko lahat ng hinulog ko dun nung sept 2013? kase mejo malaki un sana makuha ko sana sya pag uwi ko this oct. at pwede ko po ba sya makuha by atm kahit never ko pa na pa activate yun kase bago ako umalis ng pinas tsaka ko lang nakuha kaya never ko pa nagalaw. ano po advice nyo salamat po.

  370. Nors on September 29th, 2013 7:01 pm

    Hi pao, with passbook mo na lang kunin kasi meron ka namang passbook. Duda kasi ako na ma-change mo ang PIN ng atm card mo without going to your branch, kasi ang alam ko merong deadline ang pag-change ng PIN. Pero try mo rin pagdating mo kung puede pa. If not, use your passbook.
    Sana hindi pa nabawasan ang savings mo ng penalty dahil lower than 5k pala ang deposit mo noong March 2012. Kausapin mo na lang yong manager kung magkaganon.
    Yes, lahat ng ideneposit mo ay pera mo yon, so puede mong mawidro lahat agad-agad

  371. Snooky Alcover on October 7th, 2013 8:41 am

    hi po gud day ,,,just asking how the cheaper and faster way to sent money on my kabayan account here in Phil my husband is from Australia,,, thank you,,,

  372. Joebert Villanueva on October 9th, 2013 11:17 pm

    Good evening Mam/Sir

    Ako po pala si joebert villanueva meron akong kabayan savings ble ang problema ko po kasi ay gusto kung alamin kung ilang piso na ang laman ng aking savings account?Sinubukan kong pumunta s at sabi e-click dw ang REMITANCE SERVICES AND THEN BDO REMIT REMIT STATUS pagkatapos nun lumabas ang REFERENCE Number dun s reference number nilagay ko ang ACCOUNT NUMBER ko and Enter pero walang nangyari.Ano pa po ba ung option para malaman ko ang laman KABAYAN SAVINGS ko?Thanks po

  373. Nors on October 12th, 2013 12:53 pm

    Hi Joebert, yong Remit Status Inquiry ay para lang sa remittance inquiry. Ang isusulat mo sa inquiry ay yong remittance reference no. or remittance receipt no. and not your account no. You can inquire abour your account only if you have enrolled in BDO Internet banking. When you have your vacation, enroll in Internet banking — validation is through the BDO atm machine here.

  374. La verne on November 1st, 2013 7:21 am

    Hi ask ko lng po if how much ang charge fees kapag maglalagay ako ng pera sa asenso kabayan account ko using bdo tie-ups banks dito s qatar? At ask ko din using online banking how much dn ang charge fees kapag nagpadala ako sa local bank ng parents ko from my AK account? Sana po magreply kayo..salamat

  375. Nora on November 1st, 2013 12:59 pm

    Hi Laverne, around 15 to 20 QARs ang remittance fee for around 1,800 QARs. If you have a BDO online banking account, it’s free to transfer online to another BDO account (not another bank’s account), but enroll first the other BDO account into your online account. It’s Union Bank Eon account or Bancnet banks that can transfer online to accounts of other Bancnet banks.

  376. La verne on November 3rd, 2013 9:19 pm

    Thank u very much! :) so i need to enroll my mother’s bdo account first with online banking.. So enable to send money in my AK account i should remit thru tie-ups exchange companies of bdo here in qatar.. How much is the service/charge fees if i will send around 3k-4k Qar to my AK account? Pls reply..thanks!

  377. Nors on November 4th, 2013 9:47 am

    Hi La verne, is your Kabayan atm with you there in Qatar? Because after enrolling your mother’s BDO account into your account, you need to validate your enrollment at BDO atm here in the Phils. So this means if your atm card is there with you, then you cannot have someone validate for you and you won’t complete the enrolment of your mother’s account. Your remittance fee for 3k to 4k might range from 20 QARs up.

  378. La Verne on November 8th, 2013 12:31 pm

    I already activated my atm AK account before leaving the philippines and also my mothers local bdo account too.. So enable to send free transfer money in her local bdo account i will do it tru online..thank u very much for the infos! I like this page! :)

  379. Nora on November 10th, 2013 6:58 am

    Hi La Verne, if you have BDO online banking and this was activated via BDO atm, and if you’ve enrolled your mother’s account into your account and have activated also via BDO atm, then you can send money to your account and then transfer money to your mother’s account online.

  380. La verne on November 13th, 2013 5:44 pm

    How come the enrollment of our bdo joint account of my mother in my ebanking AK account was rejected?

  381. cynthia on November 14th, 2013 1:29 pm

    Good noon, i will be working in Tainan Taiwan next month i will just ask where is the nearest BDO branch location in tainan?How much is the charges if i will send money here in philippines.Because i have a BDO kabayan account here in Philippines.

  382. Robert on November 15th, 2013 6:02 am

    Hi po. ba akong magdeposit sa sarili kong account dito sa pilipinas pag Kabayan savings account ang gamit ko?

  383. Nora on November 15th, 2013 2:12 pm

    Hi Janet, did you register your joint account as your Own account? In addition to your other accounts? Dapat na-approve. Call BDO 631-8000

  384. Nora on November 15th, 2013 2:46 pm

    Hi Robert, yes, puede mong depositohan ang Kabayan account mo dito sa Philippines.

  385. Robert on November 15th, 2013 5:26 pm

    Pwede din po ba ako mag request ng bank certificate? Need po kasi sa VISA application eh

  386. Robert on November 15th, 2013 6:09 pm

    Hi can i request a bank certificate in this type of account? The Kabayan Savings Account, Because it is needed in my VISA application. And can i request not to show the open date of my account when they make my bank certificate? Thanks

  387. Nora on November 16th, 2013 1:24 pm

    Hi Robert, usually ang andon sa bank certificate of cash deposit ay account name, account no. and amount. Tanungin mo na lang yong customer officer at the time of opening about bank certificate, kasi baka merong age of account or minimum balance bago sila magbigay ng bank certificate.

  388. Rex on November 25th, 2013 7:12 pm

    Good day!… I have just created and activated a Kabayan Savings Account last month. I was basically planning to let my salary be deposited in this account. I am still in the Philippines but I will be expected to have an abroad assignment next year. My current problem is that my company will be issuing check for my salary for December. Can they immediately deposit it to my account? Would it be okay if they’ll deposit it in check form? Please do reply! Thanks!

  389. Nora on November 25th, 2013 10:26 pm

    Hi Rex, yes, your Kabayan account can accept both cash and check deposits. If not yet registered, enroll your account in BDO internet banking while you’re here because activation is through a BDO atm here in the Phils.

  390. hazel on November 27th, 2013 5:27 pm

    Good pm, nagi earn din po ng interest ng bdo kabayan savings account? Thank you.

  391. hazel on November 27th, 2013 5:39 pm

    ngi earn din po ba ng interest ng bdo kabayan savings account?

  392. Nora on November 28th, 2013 8:02 am

    Hi hazel, yes, pero maliit lang, parang wala. 0.375% annual interest, then mabawasan pa yong interest ng 20% for tax. Pero the best thing is you are saving, ito na lang ang motivation mo to save and have a bank account.

  393. bernard on November 30th, 2013 9:11 pm

    good day po, matanung ko lang kung pwede ko pong gamitin ang kabayan savings account ko sa pag bayad kung mag book ako ng ticket online. kasi may nakita ako po ako dun sa pay bills kasama naman po ang pal at cebu pacific sa listing na di na kailangan mag enroll para mag bayad. anu po ba ang ilalagay doon sa textbox na subscriber number yata yun above sa subscriber name. mag o pen pa ba ako ulit ng new account para makapag bayad online? please kindly send your reply @my email thanks

  394. Nora on December 2nd, 2013 11:35 am

    Hi bernard, subscriber name is the name of passenger and subscriber no. is your Cebu Pacific confirmation no. First, you go to Cebu Pacific website and book your flight. When you get to the Payment section, click Payment Centers and then select BDO. Take note of the exact amount of your airfare and your confirmation no. Read additional instructions. Then you login to your BDO online account and pay.

  395. bernars on December 3rd, 2013 10:25 pm

    good day, patulong naman po kung anu gagawin pag sa philippine airlines mag online booking kasi i\yong sa cebu pacific po iba po kasi dun sa PAL wla po kasing option sa PAL na PAYMENT CENTER kumbaga ang option lang po doon pag nag bayad is thru Credit card di naman po cguro pwede ang debit card doon which is the CARD i have now.except for the credit card the other other one is BANCNET. paanu ko po magagamit yong bdo ko para ma bayaran ko online. kailangan ko po ba munang e hold booking ko para makuha yong confirmation no.?

  396. Merci on December 3rd, 2013 11:29 pm

    Hi.. i send money po to my BDO kabayan savings, i’m here in qatar now. I went to the remittance centre but i forgot my account number. then yung teller kinuha nya ang card number, tama po lahat ng details na binigay ko. Question po. Papasok ba un kahit card number ung kinuha nya? This is not the last time na nag transaction ako sa knila before i used cebuana.. so i know na trusted sill. I’am just worried kung papasok ung pera sa account ko. i call them sabi nila 2 days pa daw? is it true po? salamat!

  397. Nora on December 5th, 2013 3:21 pm

    Hi Merci, dapat account no. Madedeposit lang if they made a special request and instruction to BDO to look for your account no. and then deposit to your account no. Keep your remittance receipt. You can check also through BDO Remit Inquiry at If not deposited within a week, go back to the remittance company with your account no. and amend your remittance data.

  398. Nora on December 5th, 2013 3:46 pm

    Hi Bernars, sad to say, hindi Bancnet member ang BDO so hindi siya puede sa online booking with PAL. Ang gawin mo na lang is to book and then make your payments in cash at PAL payment centers, such as Petron and 7-11 within the same day you book online. Take note of the 14-digit numeric “Payment Center Code” if you pay at Payment Centers. For Ticket Offices, take note of the 6-digit “Airline Code”.
    If you book frequently, or buy online frequently and if you’re a Smart sim user, then you can apply for the new Smart Money card — it can be used for online purchases and payments.

  399. Melvin on December 6th, 2013 5:31 am

    Good day ask ko lng po pwede po ba ko mag withdraw dto sa riyadh gmit lng ung passbook ko kung atm po ang gamit saan po kaya ko pwede dto mag withdraw thank u

  400. Melvin on December 6th, 2013 6:12 am

    Pwede po b ko mkapg withdraw gmit ang passbook at atm ko dto sa riyadh kung ou saan

  401. Melvin on December 6th, 2013 6:52 am

    Nagregister ako sa online banking pano ko cia maactivate wala ko atm passbook lng ang meron ako

  402. me?chor c. rodriguez on December 8th, 2013 9:50 am

    gud morning po mam!im a using bdo kabayan savings account ask k lng po ilan oras po ba bgo pumasok ang padala ng tatay ko sa jeddah sa bdo account ko po.ty

  403. Nora on December 8th, 2013 7:39 pm

    Hi Melvin, sorry you cannot use your passbook there. If your atm card has a Mastercard logo, find an atm machine with a Mastercard logo and try making a balance inquiry (US$1 or 1.50) or withdrawal (US$3.50). Pero merong time na hindi working yong BDO-Mastercard connection.

  404. Nora on December 8th, 2013 7:41 pm

    Hi Melvin, sori hindi ka puedeng magwidro gamit ang passbook kasi walang Philippine branch of BDO diyan sa Riyadh.

  405. Nora on December 8th, 2013 7:49 pm

    Hi Melvin, sa Philippines lang po puedeng mag-activate ng online banking enrollment using your atm card. Kung meron pa rin yong option na “I don’t have access to an atm machine” during enrollment, ito ang i-click mo then print your acknowledgment page, sign at the lower portion, then send by postal mail to BDO Paseo-Gil Puyat, EBC Building, Paseo de Roxas cor Gil Puyat, Makati, Philippines

  406. Nora on December 8th, 2013 10:40 pm

    Hi melchor, depende po sa remittance company. Merong mga within some hours, pero usually the next day or in 3 days.

  407. Pamela on December 10th, 2013 3:00 am

    good evening po. tanong ko lng po kun ano ang best account na iopen na pwedeng mag online money transfer. I will be working in an island soon and will have no access to remittance centers. monthly ang remittance q to the PH and worried lan aq na maantala. im in Dubai at the moment at d q maactivate yun online banking if ever na makaopen acct dahil required na isubmit sa office or sa atm gawin. may iba pa bang way to do it other than mail post?

  408. Federico C. Carado on December 12th, 2013 10:14 am

    Good Morning po,meron p akong kabayan savings.hindo ko pa nagagamit sa remittances for how many years.puwede po ba rin akong mag deposit as normal bank account.salamat mo po.

  409. Nora on December 13th, 2013 6:35 am

    Hi Federico, meron ba siyang balance na at least 5k? Merong gumagamit sa account mo dito sa Philippines? If this account has no balance and has not been used for years, sori closed na po ito. Just open a new account.

  410. paz on December 18th, 2013 4:15 pm

    hello po,, tanung ko lang po kung ilang buwan po ba ma close ang inopen ko ,, bdo kabayan savings,, di pa kasi nahulogan mula ng inopen ko ito ,, apat na buwan na… activate pa ito or hindi na.. dko kasi makontact yung costumer service num nila…balak ko kasi hulugan ngayon.. thanks po sana reply po kayo…

  411. Nora on December 19th, 2013 10:12 am

    Hi paz, dapat active pa ang Kabayan mo kasi 4 months pa lang na hindi mo nahulugan. To be sure, ask someone in the Philippines to deposit maybe 100 or 200 pesos to your account. If the deposit is accepted, then your account is active.

  412. miah on December 19th, 2013 4:34 pm

    Hello po mam,ask lang po sana namin kung ung pera na inuhulog namin sa bdo account namn ay pumapasok sa acount kasi gusto po namn mag require kaso wla pong bdo representative dto sa jeddah at tumwag kmi sa riyadh ayaw naman i chk ang balance namin.. bdo kabayan savings po un? Hope po , matulongan nyo kmi before kmi makauwe,,gusto namn macgurado kng my pera na sa loob ng savings account namn. Thanks..

  413. Nora on December 19th, 2013 10:17 pm

    Hi miah, yes, dapat lahat ng remittance nio sa Kabayan account nio ay andon sa account nio. Keep your receipts. Pagdating nio, iregister nio online and then validate your registration through a BDO atm machine so you can check your account online in Riyadh. You can call BDO from Saudi 800-863-0011 or 00+800-8-6318000

  414. nhea on December 27th, 2013 1:07 am

    hello ma’am. I am here in Saudi Arabia, just want to ask how much in riyals will BDO deduct if I will swipe my Debit Card to any shopping malls here?

  415. love on January 2nd, 2014 3:46 am

    hi good am!!.. mam ask lang poh ako pwede po ba ako maka book online through my kababayan savings bank card?

  416. Nora on January 2nd, 2014 8:43 am

    Hi love, yes, you can, if you have registered your Kabayan account in BDO online banking and if the airline you’re booking is affiliated with BDO. Cebu Pacific is. PAL is not. Book online first at Cebu Pacific’s website. When you get to payment, click Payment Centers then select BDO. Get your confirmation no. and airfare amount because you will use these nos. when paying through BDO online banking.

  417. ricky on January 3rd, 2014 12:15 pm

    Happy new year, I am an OFW here at south Korea. Nag open po ako ng Kabayan Savings Account sa BDO EDSA-POEA last May 2013. I forgat to activate my account when I was there in the Philippines. Pwede po bang magdeposite or magremit ako sa account na ito.

  418. Nora on January 3rd, 2014 10:42 pm

    Hi ricky, I answered your question in another post. Yes, you can remit to your account using your account no. (see passbook). Your account is active; it’s your atm card that’s not yet active — you need to activate your atm card in the Phils.

  419. Pol Zamudio on January 4th, 2014 5:42 pm

    Hi Maam Nors!

    Happy Blessed new year!..I am OFW po from KUWAIT, ask ko lang ho regarding sa pinadala ko sa DHL sa makati office, ang On LINE application BDO, meron po ako BDO Kabayan Savings ATM & Passbook Account na hawak sa ngayon..gsto ko po kasi malaman ang updated balance ng SAVINGS ko sa BDO tru on-line, kya po nag-sign up at pinadala ko yong SCAN copy ng Application. Hangang ngayon wala po balita mula sa Makati BDO office kong natangap nila mula sa DHL…

    Salamat po!

  420. Ronald on January 5th, 2014 12:41 pm

    i am living with my Thai partner..we travel a lot…i’ve been away from Philippines since march 2013..i am not working but i help him in his work if he needs my assistance..his giving me allowances for my personal expenses and a part o fit is i send to my family back in Philippines…i wanna know if i can open a savings account in your bank even if i dont have work.. i asked this because i also want to save some money out of my allowance ..i want to have an atm ( visa card ) which i can use to book hotels or flights …please tell me what to do..thanks

  421. Nora on January 6th, 2014 2:42 am

    Hi Pol, based on others’ comments, BDO’s processing of mailed application takes time (as their SOP for activation is thru a BDO atm machine), so you just have to wait. Just keep your remittance ORs. You can also call BDO from Kuwait. Wish you also continued blessings in 2014.

  422. Nora on January 6th, 2014 3:20 am

    Hi Ronald, try to look for a BDO Remit partner in the country where you are, so you can open a Kabayan account. You can write your job as personal assistant. This Kabayan account though cannot be used to book hotels or flights, except Cebu Pacific (you need to enroll in BDO online banking to do this). When you get back to the Phils, you can choose options such as Union Bank Eon Visa debit card or BPI E-Prepaid Mastercard for online payments. Smart Money and GCash also work for online payments if you’re in the Phils.

  423. Emily Casi on January 17th, 2014 3:12 pm

    Good day po, ask ko Lang po kung paano mag remit po sa BDO kabayan savings account. First time ko lng po kasi dito sa Riyadh, wala din po ako mapagtanungan kasi kahit un mga ksama ko po eh first time Lang din at sa western union dw sila nagpapadala. Maari ka po bang mag send sa akin ng step by step procedures po ng ways ng pagreremit? Para po magamit ko un kabayan account ko po. Bali Hindi din po ako familiar sa pagdedeposit sa banko kasi Po eto din un first account ko po. Maraming maraming salamat po.

  424. Nora on January 17th, 2014 10:18 pm

    Hi Emily, here’s a list of BDO remittance partners in KSA: Punta lang kayo don sa banks sa Riyadh na nasa list. Sabihin nio you send money to BDO bank in the Philippines. Meron kayong forms to fill up. Siempre alam nio na kung ano ang sender at recipient. Basahin nio lang carefully yong form. Name of bank: BDO / Bank branch or address / Name of account: your name / Account no.: Account number inside your Kabayan passbook. Make sure your account name and account no. are correct.

  425. Geralet faunal on January 21st, 2014 10:11 am

    Hi maam?ask ko lng po panu po mag-open ng kabayayan savings dati po akong ofw po ako d2 pinas pero ung husband ko po ofw din anu po ung requirements pra makkakuha ng kabayan atm?

  426. Geralet faunal on January 21st, 2014 10:18 am

    Hi maam!ask ko lng po kung pwede po ba ako mg-apply ng kabayan savings dati po akong ofw,ung asawa ko po ay nasa malaysia po ngtatrabaho.if pwede nmn po anu po ung mga requirements?kylangan pa po ba ng refferal from agency?

  427. Geralet faunal on January 21st, 2014 10:40 am

    Hello maam! Dati po akong ofw pwede po ba akong mag-open ng kabayan atm?ofw din po ung asawa ko kaylangan pa po ba ng recommendation from agency nila?

  428. Nora on January 21st, 2014 5:43 pm

    Hi Geralet, yes puede ka. Requirements: at least 2 valid IDs and at least 1 receipt of remittance from abroad (kahit anong remittance company) and 1 ID picture, at least 100 pesos for initial deposit

  429. cesardelabajan on January 22nd, 2014 12:15 pm

    hi maam, d2 po ako sa thailand ngaun nag work, gusto ko po magkaroon ng kabayan savings account sa bdo , meron ba kayo d2 sa thailand at papaano kong wala ,pwd bang mag apply online lang.. tanx

  430. Nora on January 23rd, 2014 3:44 pm

    Hi cesar, I checked the BDO remittance partner list, at walang partner sa Thailand. Opening a BDO account online is not allowed. Puedeng mag-open ng account online sa BPI Direct,, pero you still need to go to a branch to present your IDs. 6 countries pa lang ang puedeng mag-open account abroad (Bahrain, Hongkong, Italy, UAE, US, Spain). will email you if I see something

  431. Mat Dela Torre on January 24th, 2014 10:14 pm

    Good day po, nag enroll ako sa bdo online banking kailangn ko i activate sya hanggang march 9, 2014, kya lang nandito pako sa dubai, pano pag hindi ko na paactivate dun sa due date, wala pu ba probelam yun…

  432. Nora on January 25th, 2014 9:32 am

    Hi Mat, no problem. The activation window will expire, your enrollment will be canceled, and you can enroll again when you are in the Phils. By the way, wala na ba yong option when enrolling na “I do not have access to a BDO atm machine”? Then you can mail your acknowledgment page to BDO Paseo-Buendia Makati via postal mail?

  433. JUDY FROM CABUYAO on January 26th, 2014 1:37 pm


  434. Nora on January 26th, 2014 8:27 pm

    Hi Judy, dapat nga naman nasa account mo na. Baka andiyan na, while I’m writing this. You can try tracking it here: You can also call BDO 631-8000 and ask or visit your branch.

  435. irene on January 29th, 2014 7:54 pm

    hi po dito po ako taiwan ask ko lang po sana kng may charge po ba ang bdo kapag funds exceed limit ang lumalbas kung meron magkano po?

  436. Nora on January 29th, 2014 11:40 pm

    Hi irene, cash card ba ang pinapadalhan mo na account? Kaya “funds exceed limit”? Ang alam ko, walang charge, at naho-hold muna ang remittance, and then ma-credit lang siya kapag meron nang space, meaning nawidrohan ang cash card. Ang ordinary cash cards, ang maximum balance limit ay 10k at 25k, depende sa cash card na inopen. Ang Remit cash card, ang limit ay 100k. I suggest mag-open ka ng Kabayan account para walang limit.

  437. aj on January 30th, 2014 12:11 am

    Hi mam ask ko lng po about sa bdo kabayan savings ko akala ko ksi walang charge og ginamitbpang swipe sa mall un pero everytime na I chechek q n ung balance q ngbabwas nmn po xa nsa 100sr po un can you explain kung bkt gnun po? Nsa riyadh po aq now..tnx!

  438. irene on January 30th, 2014 12:15 am

    bale ung sister ko po sa pinas ang nagpadala sakn dito sa taiwan kabayan account po yung akin yun nga lang nung iwiwidraw ko po sbi ng mchne funds exceed limit 5times po kc aq ng atempt pero ganun p dn lumlbs kaya want ko po malaman kung my charge po ba yun? ang sinbi lng kasi samin nun kapag daw ng widraw 200ntd ang charge pero yung ganun n d naman sucesfull may charge din po ba?

  439. aj on January 30th, 2014 5:10 am

    Kung 1 $ lng po charge sa bal. Inquiry how come ngng 100sr un? Gngamt q lng nmn po un pang swipe pg ng mamall thankyou..

  440. Nora on January 30th, 2014 2:22 pm

    Hi irene, kapag failed atm transaction, 1 or 1.50 US dollars ang charge, about 70 pesos. So yong 5 times na failed transactions, about 350 pesos na or more, depende sa exchange rate. May rule din ang BDO na up to 5 times lang per day ang atm withdrawal at hindi rin lalagpas sa 50k pesos per day ang total withdrawal. Make sure also na yong Mastercard or Visa logo sa atm card mo ay meron sa atm machine na ginagamit mo. Kung account balance naman ang kulang, usually ang sasabihin ay Insufficient Funds.

  441. Nora on January 30th, 2014 3:13 pm

    Hi aj, oo nga, masyadong expensive naman yong 100 sr. Sori at hindi ko alam kung bakit ganon. You can ask your question here:

  442. sheng on February 3rd, 2014 12:48 am

    Hello good evening po ma’am. . Itatanong ko lang sana if there’s a way na ma check ko ung status ng account opening ko.. dito kasi ako sa dubai ng open thru al ansari.. sabi nila mga 2 to 3 mos ko pa daw po makuha ung card tsaka Account number.. unexpectedly I need to go home to Philippines this March, can I instead get the card from there na lang kaya?

  443. Nora on February 3rd, 2014 6:52 am

    Hi sheng, the last time I called BDO, they said that their branch for OFWs is the BDO branch at Buendia (now Gil Puyat) corner Paseo in Makati. You can go there with your passport and Al Ansari account transaction slip, and ask them about your account. To be sure, call BDO upon arrival and ask them where the branch for accounts opened in Dubai is. Another option is to open another account — another type of account — maybe an atm savings account (3k maintaining balance) or an atm with passbook (5k maintaining balance). Deposit money into it and then enroll it in Internet banking, activate it while you’re here in Phils, so you can check your balance online while in Dubai.

  444. MARLON on February 3rd, 2014 9:27 pm

    HELLO PO,tanong lang po dito ako ngaon sa saudi pwd lang ba ang asawa ko kuha nga accont OFW

  445. Nora on February 4th, 2014 9:25 am

    Hi Marlon, yes, your wife can open her own BDO Kabayan account. Dalhin niya IDs niya, plus 1 ID photo, plus 1 remittance receipt from abroad (to prove na meron siyang tinatanggap na remittance from abroad).

  446. jessieh on February 10th, 2014 12:50 am

    Hello po! Nagopen po ako ng Kabayan Savings account just now dto sa mid.east and ng initial deposit na po ako at sbi nila after 45 days ko po makukuha ung card. Ask ko lng po..
    1. hihintayin ko pa po ba ung card bago ako makapagdeposit ulet?
    2. Pag uwi ko ng Pinas. Kahit saang branch po ba pwedeng Ipa-activate ung card/account ko?
    3. May deductions po ba sa curruent savings ko if hindi ako nakapag deposit ng isang buwan or after a month?

    Maraming salamat po. Looking forward for your response. .

  447. Nora on February 10th, 2014 11:35 am

    Hi jessieh, once na natanggap na ng BDO ang account opening info at na-encode na nila sa system nila, active na ang account mo, so puede ka nang magdeposit at hindi na kelangang antayin ang atm card. To be sure, mag-remit ka na lang after mga one week. About card activation: the card should be linked to your account before activation. Siguro for safety/security purposes ito. Ang linking ay sa BDO Buendia-Paseo branch. A month before coming home, ask mo ang BDO para sure, dito: Question no.3: Walang deduction. Ang Kabayan ay zero maintaining balance, basta mapadalhan mo siya ng at least 1 remittance from abroad in a year. Kung hindi siya napadalhan within 1 year, magiging regular passbook account siya — pag regular na, dapat meron na siyang 5k lagi sa account para safe sa below-maintaining balance penalty. Dapat ding merong at least 1 deposit or withdrawal within 2 years para hindi siya ma-dormant at ma-put-on-hold.

  448. Vivian Ramos on February 15th, 2014 7:20 am

    Hello po nag open ako ng kabayan account sa pilipinas pwede ba ma check online yung balance ko? may mastercard ako kaya lang nakalimutan ko na activate yong nasa pinas pa gusto ko rin sana mag send direct to my account pero hindi ko alam kung paano.

  449. Nora on February 15th, 2014 8:44 am

    Hi Vivian, you can check your balance online only if you have enrolled in BDO online banking, which is activated via a BDO atm machine. You can send money directly to your account — write as Recipient your BDO account name and account no. You can track your remittance via BDO Remit Inquiry on Here are BDO remittance partners in Canada Wait a while, I will update the list.

  450. gilandro subang on February 16th, 2014 10:53 pm

    hi ma ask ko lng po ok lng po ba ang account ko kung jan sa pinas ang ng huhulog kc ang nature ng trabaho ko malayo sa mga remitance center thanks po

  451. Nora on February 17th, 2014 6:38 am

    Hi gilandro, yes, oks lang, pero kung gusto mong Kabayan lagi itong account mo, dapat mapadalhan mo siya from abroad kahit minsan lang within one year. Kung hindi mo mapadalhan from abroad, ma-convert ito into a regular passbook account, at requirement na ang 5k maintaining balance, meaning dapat laging merong at least 5k sa account para hindi ma-penalized ng 300 pesos after 2 magkasunod na months na below maintaining balance.

  452. FRANKIE on February 19th, 2014 10:45 am

    good day….ask ko lang po kapag hindi na nahulugan yung kabayan account ko…naging regular saving account na po…tapos yung laman lang nya ay nasa 200 mga 2months na 200 lng ang laman ng atm ko….. tapos kapag hinulugan ko xa ng 3000…..may deduction po ba yun..?..kung meron mga ilan ang mababawas..?…

  453. Sheril on February 19th, 2014 4:06 pm

    Hi! Is there anyway I can change my BDO Kabayan Saving account into a regular peso saving account with Php 2000 maintaining balance online?

  454. Nora on February 20th, 2014 5:42 pm

    Hi Frankie, 5k ang maintaining balance ng BDO regular passbook, so wag mo na lang ideposit ang 3k dahil mauubos lang. Kung 2 months pa lang na 200 lang ang balance, at gusto mong i-save ang account, deposit around 6k para kahit mabawasan ng 300 o 600 pesos na penalty, more than 5k pa rin ang matira. Kung sa 3rd month ay less than 5k pa rin ang average daily balance, meron uli penalty na 300 pesos. Penalty is 300 pesos per month the account is below maintaining balance.

  455. Nora on February 21st, 2014 7:20 pm

    Hi Sheril, meron kasing passbook ang Kabayan, so BDO converts it into a regular passbook. If you like, you can open an atm savings account, which requires only 2k as maintaining balance, and then close your Kabayan account, or just let it automatically close by not making any Kabayan transaction.

  456. kea on February 22nd, 2014 7:05 pm

    good day po!ask ko lang po kung paano mg send through remittance ng bdo kabayan ,bale yong kapatid ko lng po yong registered ng bdo kabayan.wla po akong any account ng bdo bale before po ngpapadala po kami ng pera through online lng like moneygram,worldremit or western union lng,sabi kasi ng ate ko atleast 1 year dapat may remittance don sa kabayan bdo nya .wala po akong any account ng bdo.possible po bang makakapadala ako ng pera ng kapatid through remittance ng kabayan bdo nya paano po?please reply :) maraming salamat.

  457. Nora on February 22nd, 2014 11:19 pm

    Hi kea, yes, you can send to your kapatid’s BDO Kabayan account kahit wala kang BDO account. Puedeng Moneygram kasi remittance partner ng BDO ang Moneygram. Puede rin itong BDO Remittance partners in Switzerland Make sure BDO account name and no. are correct. They might also ask bank branch location or address.

  458. jane on February 24th, 2014 2:26 pm

    Gud am po.tanung ko lng po kung pano ko iaactivate ung onlinebanking sa kabayan savings kasi po andito ko saudi.ansabe po sa instruction sa web,i need to activate my atm in any BDO ATM.wala pong BDO ATM dito.pls help

  459. kath on March 1st, 2014 10:50 pm

    gud evening!

    Ask ko lang po kung saang banda dito sa dubai pwedeng pa open ng BDO account.

    Meron po akong inopen sa Qatar kaso hindi ko nahulugan mag 1 year na sa april khit minsa, active pa po ba yun. Pano ko malalaman if OO.

  460. Nora on March 2nd, 2014 5:51 am

    Hi kath, wala pa namang 1 year, so malamang active pa. Mag-inquire ka dito sa BDO contact page:
    Pag closed na, you can inquire about opening a BDO Kabayan account at these exchange enterprises: Al Fuad, Al Ghurair, Al Nebal, Al Rostamani, Almona, Alukkas,Asia Exchange, Day Exchange, Federal, Mawarid, Muthoot

  461. shella on March 8th, 2014 2:41 pm

    Ma’am ask ko lang po,pwede ba ako magdeposit sa account ng asawa ko gamit ang passbook nya since nasa barko po kasi siya?pwede din po ba kahit saang branch magdeposit?never pa po kasi ako ng deposit eh,ngayon pa lang sana..BDO Kabayan savings po gamit ng asawa ko..ano po requirements na kailangan kung sakaling pwede ako mag deposit..Salamat po

  462. Nora on March 9th, 2014 10:57 am

    Hi shella, yes, puede kang magdeposit, kahit walang passbook, basta alam mo ang account no. Pero maganda rin kung with passbook para ma-record agad sa passbook ang deposit. Sa pagdeposit, ang kelangan mo lang is to fill up the Cash Deposit slip, and then present the slip, money and passbook at the counter. Kung maraming pila, tanungin mo sa guard kung saan ang pila for cash deposit. Kung Metro Manila naopen ang account, dapat within Metro Mla ka lang magdeposit, any branch within Metro Mla. Kung magdeposit ka sa Cavite or Laguna, merong 50 or 100 pesos charge. Ask your husband to remit to the account from abroad at least once a year para Kabayan account pa rin siya.

  463. arthur on March 9th, 2014 1:56 pm

    madam my bdo kabayan savings ako pano ko po malalaman yun balance ko online nagpadala po kc ako salamatt po

  464. Nora on March 9th, 2014 3:56 pm

    Hi arthur, malaman mo lang ang account balance mo online if you registered in BDO online banking when you were here in the Phils. You can try using BDO Remit Inquiry or the Contact US page at When you take your vacation, enroll in online banking and then validate your enrollment through a BDO atm machine.

  465. shane on March 12th, 2014 12:49 pm

    hi mam nagpadala po kasi sa kabayan savings acct ko ung friend ko this day. kelan kaya ung magrereflect sa acct ko di ko kasi alam kung san sila nagpadala e

  466. Nora on March 12th, 2014 4:25 pm

    Hi shane, you can enroll in BDO online banking, so you can check your account online. I hope andiyan na. Usually, same day to 3 days ang remittance time.

  467. RHEN on March 19th, 2014 12:31 pm


  468. Nora on March 20th, 2014 3:04 am

    Hi Rhen, thanks for sharing info. Your experience shows it is always better to withdraw at a BDO atm machine (kung BDO ang card) para kung magka-problem, madali lang ma-solve. Kasi pag another bank’s atm, mas matagal ang proseso for return of the money.

  469. Leah on March 23rd, 2014 4:19 pm

    Good afternoon po maam nora, magtatanong lang po sana ako kung pwede po bang maka apply ng post dated cheque na naka connect sa account ko meron po kasi akong kabayan savings account? Kung hindi po maari po ba akong mag apply kahitbplain housewife lang po ako at tumatanggap lang po ako ng allotment galing sa asawa ko… Kung maka pag apply po ako ano ano po yung mga requirements?
    Hope to hear from you soom ma’am


  470. Leah on March 23rd, 2014 5:01 pm

    Good pm po maam nora magtatanong lang po sana ako kung pwede po bang kumuha ng postadated check connect dun sa bdo kabayan account ko?

    Hope you will response my message… Thank you

  471. Reno on March 24th, 2014 6:16 pm

    Hi! Ms. Nora recently, my BDO Electronic Banking Enrollment was successfully forwarded to Banco de Oro, I’ve got my Ref. No. and ATM activation code, but the problem now, how can I activate my online banking account and how I can use it, obviously no BDO ATM machine here in Riyadh, Saudi Arabia, last Friday I visited Al-Rajhi Remittance in Batha, but BDO representatives was not there anymore. could you please advice me the best possible way to activate my online banking account. Thank you so much…

  472. Joe on March 25th, 2014 1:44 am

    Hi mam Nora, ask ko lng po kng puedi mgpurchase sa using BDO Kabayan Account with mastercard logo?

  473. Queenbee P. Taccad on March 25th, 2014 9:52 am

    Hi,first time ko po kz gumamit ng bdo kabayan peso savings nalilito po kz aq kung ilang digits ng account number ibibigay q abroad ung 12digits po b or ung 10 digits account number,kpg 10 digit lng b acceptable parin po ba yun?from singapore and saudi po sana ung magpapadala kaso hindi ko alam kung ung 12 or 10 account number ang ilalagay nla,reply me asap please tnx

  474. queenbee on March 25th, 2014 7:21 pm

    Hi po ask ko po ulet kung ilan digit b dpat q ibgay s magpapdala skn 10 po b o 12 from saudi at singapore po pdala firstime q po kc

  475. Nora on March 25th, 2014 9:28 pm

    Hi Reno, yes, you’re right, you cannot activate your BDO online banking enrollment in Saudi because there’s no BDO atm there. You can activate it only here in the Phils. When you started registering for your online banking, did you see if there’s still this option? — “I do not have access to a BDO atm machine”. Because if this option is still offered, it means you can check this option, and see instructions. Later on, you can print your acknowledgment page, sign it, and then send it together with a scan of your valid ID to BDO Buendia-Paseo Branch, Gil Puyat Ave. cor Paseo de Roxas, Makati City, Philippines. This process takes several weeks or 2 to 3 months.

  476. Nora on March 25th, 2014 9:54 pm

    Hi Joe, sorry you cannot use Kabayan atm card for online purchases. Apply for one of these cards: Smart Money, GCash, Union Bank Eon, BPI EPrepaid.

  477. Nora on March 25th, 2014 10:33 pm

    Hi Queenbee, dapat yong 12 digits, kasi ito yong complete account no.

  478. Nora on March 25th, 2014 11:13 pm

    Hi queenbee, yong 12 digits dapat.

  479. queen on March 26th, 2014 6:28 pm

    Hi po ask ko po ulet kung ilang digits b kpg send cla pera skn ung 10 po b o 12 firstime q po kz nlito po kz aq s account number q s passbook

  480. queen on March 26th, 2014 6:29 pm

    Ok po salamat po maam ngayon ko lng po ksi nkita reply tnx po

  481. danni on April 1st, 2014 2:48 am

    hi po, meron po bng bdo remittance partner dto sa Edmonton alberta? san po? hinanap ko ria money transfer dko Makita. thanks po

  482. christine on April 2nd, 2014 5:46 am

    hi . just wanna ask kung how much the payment of transaction if nagwithdraw ako dito sa riyadh saudi arabia using the bdo kabayan card. after ko kasi mawithdraw yung pera eh nag zero balance ako which is i still have money left from that account and i cant check my balance .. pls need your responce asap.thanks

  483. Nora on April 2nd, 2014 9:08 pm

    Hi danni, walang BDO remittance partner sa Edmonton. Merong PNB remittance agents:

  484. Nora on April 2nd, 2014 9:40 pm

    Hi christine, atm withdrawal fee is US$3.5 and balance inquiry fee is US$1 or 1.50. You can ask BDO using the BDO contact page:

  485. JOCELYN ALCOSABA on April 3rd, 2014 5:29 pm

    Hi Sir/Madam,

    I’m an OFW…I want to deposit 100k to my atm account..i already had bdo kabayan account since 2012..gusto ko sanang hulogan ng 100k yong atm ko..malaki2 sana eho hulog ko…kaso nasa akin ang passbook ko..pwede ko bang hulugan nang more than 100k ang atm ko? tnx..gbu

  486. Nora on April 3rd, 2014 8:47 pm

    Hi Jocelyn, are you sure na active pa itong atm account mo? Yes, puede mong hulugan. Ang BDO atm savings account ay walang maximum balance limit, so puede siyang hulugan ng 100k. Ang merong limit ay yong cash card. By the way, itong atm card mo ba ay kasama ng BDO Kabayan mo? The 12-digit account no. is inside the passbook. But make sure first that your account is still active. You can ask here:

  487. JETT ESTORPE on April 4th, 2014 3:06 am

    Good day!, ask lang kung pwedi ako maka open account dito sa riyadh, at kung sino ang authorize rep. nyo dito na pwedi namin mapuntahan for complying the requirements?., thanks

  488. Nora on April 4th, 2014 3:02 pm

    Hi Jett, ask these BDO remittance partners if they’re offering BDO Kabayan account opening:

  489. genaro lacsina on April 6th, 2014 7:06 pm

    gud eve.iverify ko lang po. may pamangkin ako ofw sa dubai at nagopen daw po sya ng bdo kabayan savings acnt last week lang.meron din po akong bdo kabayan savings acnt dito satin.gusto po nya akong padalhan ng pera sa acnt ko.pwede po ba nya itransfer ang pera nya sa acnt ko dito? or kailangang magwidraw pa sya dun at ska nya ipapadala sakin? sabi din po kasi sa kanya dun na sa pilipinas nya lang daw mawiwidraw ang pera nya… thanks po

  490. Nora on April 7th, 2014 3:10 pm

    Hi genaro, it’s true that your pamangkin can withdraw only in the Philippines because he cannot input his PIN and validate his atm card in Dubai. He can do that only at a BDO atm machine.
    Ang account-to-account transfer can be done online. But he needs to register his account in online banking, and then enroll your account into his online banking, so he can transfer money to your account online, but it takes time because he will need to send his online enrolment acknowledgment page to BDO by postal mail, then wait for approval. And then do the same process for enrolling your account.

  491. Nathalie on April 8th, 2014 9:48 am

    Hi. My brother opened a BDO Kabayan Account in the Philippines. I am just wondering if I can send money through Western Union to his account as I was informed that Western Union is not a BDO partner here in Australia. Thank you.

  492. Nora on April 9th, 2014 9:04 am

    Hi Nathalie, I suggest you go to Moneygram — this is a BDO partner. What I know is your brother cannot pick up a Western Union remittance at a BDO branch over the counter because it’s true that WU is not a BDO partner, but I think you can remit through WU to his BDO account. But the remittance fee can be lower if you choose Moneygram since this is BDO’s partner. Other BDO partners:

  493. chel on April 15th, 2014 5:38 pm

    gud pm, hi maam ask lng po sana ako abt sa bdo atm ng aswa ko,kc po ung atm pg widru nakain po sa machine.pero xa po ang card holder.ang tanong ko po maam f pwd ba ako ang mg claim sa atm nia dhl po nkaalis na po xa pero po ng iwan nmn xa skin ng authorize letter pra po ako ang mg claim.ano po ang dpat kung gawin para makuha ko kc un
    lng po inaasahan ko sa budget namin dito sa pamilya ko.hope u will reply me maam ..thank you so much

  494. chel on April 15th, 2014 6:11 pm

    gud eve,hi maam ask lang po sana ako f pwd ba ako ang mg claim sa atm ng aswa ko?dhl po pg widru nmin nung isang araw hnd po lumbas ung atm,ano po ang dpat kung gawin pra pwd ako nlng po ang mg claim dhl umalis na po aswa ko at un lng din inaasahan ko sa budget namin sa family ko.nag iwan nmn xa ng authorization letter pra po ako nlng ang mg claim. hope u will response me para po malamn ko. thank you

  495. Nora on April 15th, 2014 11:34 pm

    Hi chel, baka hindi ibibigay sa iyo ang card kasi hindi ikaw yong cardholder. Pero subukan mo rin. Dalhin mo yong authorization letter, your marriage cert and IDs. Pag hindi mo makuha, magpadala na lang ang husband mo sa iyo through BDO pero FOR CASH PICKUP. You will get your remittance at BDO using the reference no. that your husband will send you. Pag meron ka nang receipt of a foreign remittance, puede nang ikaw ang mag-apply for your own BDO Kabayan account. Bring your IDs.
    Yong pera na nasa account niya, ask BDO kung paano ninyo mawidro without atm; kung puedeng withdrawal slip, with signature by your husband. Kung halimbawa lang hindi makuha, icheck ninyo kung merong maintaining balance requirement ang account para hindi maubos dahil lang sa penalty.

  496. angee on April 21st, 2014 1:25 am

    hi good evening,i’m using kabayan saving po and my money ako sa paypal account ko, paano ko po ba iwwidthdraw yung pera palagi po kc sinasabi nag eexceed daw ako sa mimimun withdrawal limit eh hindi naman. paano po ba iverify yung kabayan savings account ko to withdraw the money.

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