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  1. Yes mam.dito s qatar aq nag open.so mam if ma tanggap ko na ang atm/passbook . pwede ko n po ba lagyan ng amount agad?thanks po ulit

  2. Hi April, sa abroad ka ba nag-apply? Yes, ganon katagal ang processing kapag sa abroad ang opening (one month to 2 months), kasi finoforward pa sa BDO sa Philippines, then pag approved, ise-send ng BDO yong atm card at passbook sa kung saan ka nag-apply. Remember also that you can’t use yet your atm card there kasi ang atm activation ay dito sa Philippines. Pero yong account mo, active na at puede nang magpadala.

  3. hi po.nag open account po aq last may 6 2017.
    1 month n po lumipas bakit wl din update o tawag if may atm n aq.
    does it really takes more than a month bago aq tawagan if there is na?? thanks po 🙂

  4. Hi jeff, icheck mo na lang uli bukas, kasi merong system glitch yong BPI (merong mga incorrect balances, credits and debits sa mga accounts), at baka itong ibang banks ay biglang naging strict sila sa systems nila. Siguro kung merong BDO atm diyan, baka makita mo na andian na. Up to now kasi, hindi pa naayos ng BPI yong system nila.

  5. gud afternoon mrs Nora,nagpadala kc ung wife KO sa amo nya this June4,pero nung ipakita sa kanya ung resibo June 5 daw nkita nya hndi nya alam kung June 5 ba makukuha o yun pa LNG po ung araw na maihuhulog sa bdo debit card account KO..and problema KO po is wala p po ung padala nya hanggang ngaun galing Riyadh.nung unang padala nman po nya at nkuha KO,nman 1day LNG po after nya pinadala.additional problem KO po is nagbabalance po ako sa ATM booth na may megalink pero hndi po ako mka pag transact Simula po kagbi,d2 po kc KO sa Mindoro kaya walang atm booth ng bdo.ano po kaya problem n2,sa padala po ba niya bka pending lNG o sa ATM KO na po mismo..dahil 3 ATM booth na po natry KO mag balance,landbank,metrobank at pnb.salamat po mam Nora kung masagot.

  6. Hi Ven, yes, pag dito, 100 pesos lang ang opening amount. Pero diyan kasi, ise-send pa ng remitter ang application mo from Kuwait to here and then ise-send back ng BDO yong passbook and atm from here to Kuwait, so sinisingil yong freight fee. Hindi ko lang alam kung how much diyan sa 15KD ang madedeposit sa account. Ask mo na lang. And remember you cannot use yet the atm card there. ATM activation is only in the Philippines.

  7. Hi ms nora, ask ko lng po,bkit pag magopen mg account dto sa kuwait ng bdo kabayan eh 15KD ang kailangan,akala ko po maliit lng required na amount

  8. Hi Cypres, sorry hindi puedeng kunin ng ibang tao ang account number mo sa BDO. Call 800-863-0011 — free call from Saudi landline. Ang card mo ay atm card or debit card, hindi cash card. Walang account number ang cash card.

  9. Hello po.me I ask KC may Cash card Na PO ako nga bdo kabayan kayalang Hindi ko po malasokan Ng Pera Kasi a account number ko nawala ne nakaw Kasi a walit k noong na sa manela ako.at dito Na po ako now Saudi reyadh.5 mons na po ako gusto k Sana mapasukan a account k sa kabayan kayalang po wla a account number ko.pls po Maki send nman sa account number ko may fb account pp ako .add nyo po Ito po fb ko hortilano Cypres…..salamat po

  10. Hi Shierly, yong BDO ang nangangailangan ng proof of address? Bakit hindi nila ni-require when your husband opened an account. Natawagan mo na ba yong agency/office ng iyong husband para ma-clear who is requiring proof of address?

  11. Hi mrs nora. Kakaopen lang po kc ng kabayan savings nito lang april 20. then sakto nakaalis na husband ko may 1. hndi daw po nareceive ang pinadala nilang confirmation letter. Kaya naka freeze.need daw to present billing address ng husband ko. Eh Wala po sya ngaung signal nasa gitna ng laot.

  12. Hi Shierly, ano raw reason bakit nakahold? Nasabi ba ng BDO na your husband needs to appear at his BDO branch in person? Ask your husband to call BDO and ask bakit naka-hold? Account niya kasi yan kaya siya lang ang allowed to go to BDO and correct what needs to be corrected.

  13. Hi please help. My husband is a seaman. Onboard na po sya. Bdo kabayan savings account po ung allotment nya na credit. ngaun nakahold po ung account di ako makawithdraw. Sa kanya lang kc nakapangalan. My way po ba para mapa unhold ko? Thank you

  14. hi nora..nbbawasan ako ng 300 sa accnt ko kabayan savings..bkit?, nkpgdposit nmn ako before 1 year upon activation..ibg b sbhin converted n ito as regular account..ano ang dpat gawin pra maiwasan ang penalty..kng my 10k nbng laman ok lng ba kng d mkpghulog ng 2mos o mhigit..pngttaka ko lng bkit nbbawasan ng 300..nkpgdeposit nmn ako dun..kc wla p ako 1yr dto sa qatar

  15. kabayan savings po ang gmit ko dto sa qatar..isng beses plng po ako hnd nkpghulog pero nabawasab na po ako ng 300..ibg po bng sbhin nto converted n ung account ko as regular accnt nlng..kng dto po ako sa qatar nghuhulog mdali po b mwidraw ang pera n dndeposit sa kabayan accnt pguwi ng pinas

  16. Hi Mel, merong Mastercard logo ang atm card mo? Na-change PIN mo na ba ang atm card mo? Sinubukan mo nang mag-balance inquiry? Nag-apir ang balance? If yes to all questions, yes, makakawidro siya sa HK sa machine na merong Maestro, Mastercard o Cirrus logo. Tell your wife to keep her atm card secure and never show to anyone, kasi puedeng pambili sa Internet ang card basta malaman lang yong 16-digit number, expiry date at 3-digit code at the back and name of owner. 3.50 USD ang charge per withdrawal sa abroad. 1 USD for balance inquiry.

  17. Good day Nora, Hope matulungan mo ako.. Ako ay isang first timer seaman..
    Para sa allotee ko ay pinag open ko ang biyenan ko ng Kabayan savings kasi don ko ipapa pasok ang allotment ko.. Ngayon, ang asawa ko ay nasa hongkong.. Ipapadala ng biyenan ko ang atm sa hongkong para hawak ni mrs.Makaka withdraw ba sya sa mga atm sa hongkong?Mastercard po diba ang kabayan savings..
    Maraming salamat in advance sa reply ..

  18. Hi Yhan, kung ikaw ang pupunta sa Al Rajhi, dalhin mo yong iqama mo. Tell them ‘Send money to Philippines”. You will fill up a registration form and the remittance form. You should get a receipt. Bring your BDO Kabayan account number. Write clearly. Make sure your account name and account number are written clearly and correctly.

  19. Hi Yhan, pumunta lang yong employer mo sa Al Rajhi at mag-deposit sa account mo. Give your employer your bank name (BDO), account name, account number, account branch. Yong sa registration, siya na lang ang bahala mag-fill-up kasi siya naman ang sender. I hope ibigay niya sa iyo yong receipt. If you changed your PIN in the Philippines, you can make an atm balance inquiry there later on. Puede ring gamitin mo ito: BDO Remit Status Inquiry. You need to know the reference number.

  20. Hi ms.nora ask ko lang po kung paano ba mag deposit dito sa al rajhi hnd ko po alam kung papaano .ang employer ko po ang mag dedeposit.my atm at passbook n po ako ng bdo kabayan savings at my logo ito ng mastercard.

  21. Paano po mag deposit sa al rajhi bank dto s saudi.?first time ko po kasi mag dedeposit di ko po alam kung paano

  22. Hi mary jane, malamang active pa yan kasi wala pa namang 12 months. Every 12 months naman ang sinabi ng BDO na dapat malagyan ng at least one foreign remittance bago ito ma-convert into a regular passbook na nangangailangan ng maintenance. Use the account number inside the passbook. 12 digits kapag merong 00. Kung gusto mo nang sure na sure, puedeng ask your family na magdeposit ng kahit 100 pesos sa account mo over the counter sa BDO. Kapag tanggapin ang deposit, active pa ang account mo.

  23. Hi nora active paba ang account ko ndi ko kc nhulugn cmula dumtng ako dto sa kuwait 7mnths na…gusto ko kc hulugan kso ndi ko alam kng active pa ba,.,dala ko rin ang passbook.

  24. Hi efren, yes, puedeng-puede. Ang ibigay mo sa sender ay ang iyong account number — 12 digits lahat kasama ang 00 sa unahan.

  25. Hi mark jason, ang Kabayan account mo ba ay merong at least 10k pesos na balance noong naging hindi active? Kung ni minsan ay hindi mo nahulugan, sorry matagal na itong na-automatic closed at hindi na puedeng ire-activate. Mag-open na lang ng new account. Try applying for a BDO Kabayan account at any of BDO’s remittance partners in Saudi.

  26. Pano q ma re active ang account q na bdo kabayan de active na kasi nandito q sa saudi at 3years q na xang d nahulagan gusto q na sanang hulugan

  27. Hi helen, wire transfer or bank to bank. Hindi siguro remittance partner ng BDO yong bank where the wire transfer was made, kaya dumaan pa sa isa pang bank na BDO partner na. Kung cash card yong sa iyo, what’s your maximum balance? 10k ba or 25k or 100k? May maximum na puedeng kargahin ang cash card depende sa type. Baka more than 10k ang pinadala sa iyo. If this is the case, go to your branch and ask what you should do.

  28. Hi erwin, kung remittance partner ng BDO, puedeng the same day to 3 days. Kung hindi partner, puedeng abutin ng 5 days or more. Kung more than a week na, call BDO or visit your branch, or ask your sender to follow up with the sending bank

  29. paano po ba ang bank to bank transfer at gaano po ito katagal bago pumasok ang pera sa kabayan bdo account ?

  30. Nora nagpadala sa akin ang kaibigan ko ng pera sa kabayan BDO account ko gaano ba katagal bago pumasok ang pera sa account ko pangatlong araw na ngayon . hindi naman sinabi sa akin kung money gram o western union . ang sabi ng sender wire daw yun bank to bank paano ba yun wala akong idea .

  31. Hi helen, sori wala naman akong sahod dito para magsabi ka ng annoying. Si te talaga. Blogger lang ako. About your remittance, depende yan sa remittance company. Kung Moneygram o Western Union o Xoom o Remitly, minutes or hours lang nasa bank account mo na. Kung wire transfer thru banks and other remitters, it will take one day to 5 days. Check mo na lang the next day.

  32. Hi Leoly, hindi ko masyadong ma-gets. Nasa yo sa Kuwait ang passbook at atm mo. Then nagpapadala ka ng pera sa kapatid mo at dinedeposit niya over the counter sa BDO account mo? Ganon ba? Meron na bang more than 10k pesos ang ipon mo? Kelan mo na-open itong Kabayan mo? Para ma-maintain na Kabayan ang account mo, dapat magpadala ka sa account mo directly from abroad. Pero kung maka-maintain ka naman ng 10k sa account mo, or more than 10k, okay lang naman kung ma-convert into a regular passbook. Pag regular passbook na, kelangang ma-maintain ang 10k sa account. Kung na-change PIN mo ang atm card mo noon dito, puede kang mag-balance inquiry diyan sa Kuwait. Find a machine that has a Mastercard logo.

  33. Hi Rolly, ang maximum per Send Money transaction is 10,000 pesos. Maximum number of transactions per day is 10 times. Bale makapadala ka ng 100k pesos within a day. Nakakatanggap ka ba diyan ng OTP? Or nagawa mo nang hindi mo na kelangan ng OTP to complete your login?

  34. Hi po magkano po ba ang maximum send money tru online banking to another bdo account.bdo kabayan savings holder po ako.nasa turin italy ako.thanks

  35. Hi mrs nora.meron.po ko kbayan bdo bgo ngpunta dto s kuwait.gngwa ko nlmg po kc ndala ko po un atm at passbook s pgngppdla po ko s pinas ngppdeposit nlng po ko s kptid ko pra my ipon po ko pg uwi in peso.ok lng po b un at pno ko p m balance inquiry

  36. Gooday maam pano po ba mkapg open ng bank account dto sa qatar san po ba ba mga branches ng bdo dto sa qatar

  37. Hi Sonny, nag-enroll ka ng online banking sa Philippines? At hindi mo na-activate ang online banking enrollment mo sa BDO machine? Ang online banking enrollment kasi dapat i-activate sa BDO machine. Kung hindi mo na-activate dito sa Philippines, subukan mo ng mag-enroll uli diyan sa Saudi, pero choose “I am outside the Philippines”, then mail (postal office) your printed enrollment acknowledgment page to BDO. A BDO officer will call you. Pero I don’t know if nag-resume na itong process na ito, kasi na-suspend noong kainitan ng RCBC money laundering scandal. Ang isa pang problem ng BDO online banking sa abroad is: you need to receive the one-time password from BDO thru text to complete your login.

  38. Good Day, ask ko lng kung bakit di ako makapag remit ng pera gamit ang kabayan savings account ko sa cash card ng kaibigan ko. ang message ay mag reactivate ung card. nandito na ako sa riyadh saudi at dala ko ung atm card at passbook. Paano ang procedure na mag reactivate. nag enrol ako ng online banking nandito na ako sa saudi.

  39. Nagopen ako sa hkong ng kabayan savings account tas nung june 2016 k po last nhulugan ngaun po dto n ako taiwan pwde ko pa rin b hulugan..still active prin po kya po?

  40. Hi Lovelyn, sorry I don’t know why your atm card became invalid when you were able to use it last December. Is there a reason your account could be closed? Since your family can’t withdraw the money, you go back to the remittance company in Qatar where you remitted the money, and make an amendment. Change your remittance mode from Deposit to Cash Pickup by your family member who has valid IDs. Give them the remittance reference number.
    Or if your family member has their own active BDO account with an active atm card, you can change your receiving account to that active bank account name and number.

  41. Hi Ms. Nora i am here in Qatar. My atm was on my family in Manila. I deposit money last week but when theyvare going to withdraw it says that card was invalid. How can it be while you said that the account should be used in 1 year. I just used that atm last december. I am wondering why it became invalid. Is it true that i can transfer those money that i deposit to another bdo account?

  42. Hello po.
    Tanung ko lang po sana kung kayak ba ng Kabayan cards ang tatangap ng padala from England Hindi po kasi say ofw . citizen po say doon .
    Thank you po

  43. Ah hello po .
    Tanung ko lang po sana kung Yong Kabayan cards at kayak po bang Tumanggap ng Pera from England
    Pero Hindi po say. Ofw.
    Citizen po say sa England

  44. Hi Mam, ask lng poh safe ba talaga ang kabayan savings sa bdo? 1St time ko ksing kumuha.. Gusto ko may savings pra pag uwi ko may ipon kunti.. Thanks sa sasagot..

  45. Good evening po!is kabayan savings accnt can use to transfer money through online banking?i already enrolled online banking and activated,but i cannot transfer money tru online banking,thank you!

  46. Mam magagamit ko po ba yung BDO kabayan ATM sa pag withdraw po dto sa Riyadh may nkalagay po master card,ano po yung valid thru 11/26
    Month &year po ba yan

  47. Mam magagamit ko po ba yung BDO kabayan ATM sa pag withdraw po dto sa Riyadh may nkalagay po master card,ano po yung valid thru 11/26
    Month &year po ba yan

  48. Hi Honeymay, depende yan sa remittance company. Usually the next day, up to 3 days. Kapag Moneygram or Western Union or LBC, agad-agad.

  49. Hi Eden Joy, yes, pag-uwi mo dito sa Philippines, you go to your BDO branch with your IDs and change your registered mobile phone no. Meron namang BDO remittance partners diyan sa China like Moneygram (deposit and cash pickup) and Western Union (except cash pickup) pero more expensive than using China Union Pay debit card system kung magtagal ka sa China.
    Since you have an Ireland-issued credit card, you can use TransferWise. You can use your credit card as the source of your remittance to your BDO account.

  50. Hi po. andito pa ako ngayon sa china wala pong way na mag deposit ako sa bansang e2. pero meron akon credit card from ireland pwedi ba ako mag transfer sa irish bank to kabayan savings bank? di na rin po ako maka check ng balance ko online kasi na di ko namalayang expired na pala ang Simcard na globe ko na naka konekta sa bank. uuwi po ako ngayon july pwedi ba akong ma change number ko sa bank kasi di na active young fon number ko? don po kasi ng sesend ng OPT kada log in ko online. tapos po nag contact ako sa globe kong pwedi ma retrive ang sabi po nila there is no way na po pag expired na yong simcard ko. pls let me know.. thank you po

  51. Hi Rechell, walang minimum. Kahit magkano ang ipadala sa Kabayan. Yes, kapag dollars ang ipinadala sa peso Kabayan, automatic na i-convert na ng BDO ang dollars into pesos. Merong inward remittance fee. Kapag sa BDO machine ka magwidro, walang bawas.

  52. Hello po . Magkano po ba ang minimum na deposit sa kabayan savings from abroad ? Pag pinadalhan po na ako ng dollar sa kabayan savings automatic ba sya na mag coconvert philippine money ? At meron po bang deduction yun kapag nakuha ko na po ung pera sa atm ?

  53. Hi Arland, did you mean mag-ipon sa BDO Kabayan account? Yes, puede, pang-remittance at pang-ipon, puede. Mas gusto nga ng bank na lumalaki ang balance mo at hindi nawiwidrohan nang madalas.

  54. Salamat po mam nora sa mobile ko lang po at nag downlod ako ng mobile banking at ang gamit ko po mobile data po un lang po ginagawa ko ng ccheck kong magkano na pera ko at kong pumasok ba yong hinulog ko nand2 po sa akin ang passbook at a.tm ko,ung atm ko po di pa active kc di ba ako umuuwi 4 years na.

  55. Hi lolita, sa mobile phone ka ba nag-o-online banking? Gamit mo ba yong BDO app? Nakaka-login ka ba kahit wala nang OTP? At ang nagagawa mo lang is to check your balance inquiry? Para safe ang account mo, I hope nasa iyo ang passbook mo at ang atm card mo. At ikaw lang ang nakakaalam ng atm PIN mo at ng online banking username and password mo. At dapat di ka nagla-login into your account while others are observing you, and keep safe and secure your phone. By the way, I’m so glad you’re saving a lot. I really feel good if more OFWs are able to save and able to buy real estate that they can rent out for income when they come home.

  56. Thanks po mrs nora malaki na rin po yong nasa banko ko nag worry lang po ako baka ba mawala yong ipon ko..safe po ba ang banking online?

  57. Hi lolita, nao-open mo naman so it means that your account is active. Lagi bang lumalabas ang Info defective? Anong info ang defective? Wala bang instruction kung anong gagawin? I hope your balance is 10k pesos or more para safe ang account mo from penalty, kahit hindi ka maka-send from abroad at least once every 12 months. You can call BDO International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000

  58. Hello po mrs nora morning po ask ko lang po inopen ko po online banking ko sa bdo nakaoprn po ako tapos may lumabas Info defected tapod nag close po ang banking online ko kc gusto ko lang nmn makita pera ko wala po bang problma pag ganon tapos inopen ko uli nandon pa naman pera ko wala po bang problm pag ganon worry lang po ako

  59. Hi Ms. Nora,
    ask ko lang kung gaano ba katagal bago dumating yung remittance from US? nasa barko kasi ung husband ko, nagpasa siya ng details for remittance nung january 30, 2017 pa and nabawasan na daw ung sahod niya pero until now, nagchecheck ako sa bdo online ng balance ko, wala padin pumapasok. hoping for your reply. thanks!

  60. Hi po Ms. Nora!
    May kabayan savings account po ako at hinulogan q uli po noong andto na po ako abroad last june 2016. Pinaupdate q po kasi ung passbook q sa pinas kasi atm lng dala q dto eh hindi namn daw po pumasok po. Paano po ba magcheck through online po qng pumapasok ang ihuhulog po. Salamat po

  61. nag karambola kasi ang card ko..di ko alam sa dalawa kung anu ang peso at dollar account ko..panu ko malalaman if ang card ko ay peso or dollar account?

  62. hi po gusto ko po mag open ng saving account d2 sa riyadh yong international po BDO or BPI po ATM/DEBIT card po yong may logo ng master card or visa card para pwed ko po magamit d2 sa riyadh at sa pang online trade po mam sir.

    pa email nalang po ako mam./sir. tnx

    edwardmacalalad@yahoo.com

  63. Hi Rina, that’s great that you’re preparing for your daughter’s college education. Yong 12/26 na expiry date, that means Dec 2026; papalitan mo yong atm card before Dec 2026. Ang savings account, walang maximum limit. You can save as much as you want. Suggestion ko lang na kapag umabot na ng mga more than 110k, ilipat mo na yong 100k sa time deposit 1-year or 6-month auto-renew para mas malaki ang interest rate. Puede mo ring i-consider yong Pag-ibig MP2 5-year savings scheme, kasi mas malaki ang interest rate kesa banks’ rates.

  64. Hi Florence, yes, kung ang atm card mo ay merong Mastercard logo, merong expiry date at merong 3-digit security code or CVC code sa likod. Kung sa online booking mo ay credit card lang yong option, at walang debit card, you can click “credit card” kasi ginagamit naman na ang debit card as credit card sa online payments basta linked sa MasterCard or Visa.

  65. Good eve po! Magtatanong po sana ako na kung pwede bang gamitin ang bdo kabayan card pambayad sa online booking ng ticket? salamat poh.

  66. Hi Ms. Nora

    ask ko lang po inaplay ko ung anak ko 13 yrs old ng saving account pra po un s pag aaral nya s college may limit po ba ung saving?ask ko din po ung kbayan atm kasi may nkalagay valid thru 12/26 nong dec ko lang inopen so ibig sabihin pagdating ng dec renew ko ung atm?

    Thanks you!

  67. Hi Medz, kung merong penalty yong Kabayan, hindi sila magde-deduct doon sa other BDO account na merong balance. Magkaiba sila. Ginagawa lang ng BDO yong magwidro sa account kapag credit card — yong case na hindi na binayaran yong utang sa credit card. Kung converted na ang iyong Kabayan into a regular passbook account dahil hindi mo na nahulugan from abroad in 12 months, at magpepenalty na ng 300 dahil walang laman or konti ang laman, ma-automatic close na siya kasi nag-zero na or nag-negative na.

  68. Hi Ms. Nora,

    Ask ko lng po kasi zero balance na po aking kabayan account automatic na po ba yon na maclose? Kasi po nkaregistered po yon sa online banking at may isa pa na bdo acct na may balance, concern ko lng po baka don magdeduct for penalty don sa bdo kabayan acct na zero balance. Posible po ba yon?

    Hope you can answer my inquiries po to my email.

    Thank you!

  69. Hi Ms. Nora,

    Just want to correct my inquiry above..*Client is not allowed to have multiple online banking access*. Per client is given one online banking access.

    Thanks po.

  70. Hello Ms. NORA,

    In addition to my inquiry, i have already an existing online banking. Can i enroll this kabayan account to my existing online banking and do the fund transfer as well? Because, client is only allowed for multiple online banking access. Please do answers all my inquiries po to my email add.

    Thanks

  71. Hi Ms.Nora,

    Additional inquiry, how many days will debit or remit the amount send to kabayan savings account? Because i cannot afford to wait max of 2days because of my monthly ammortization. Based on my experience, bank transfer takes only 1 day through al ansari exhange to my bpi atm savings account and this is my first time to transact with kabayan saving account. Im worried with the inconvenience if there is any delays esp i have read the feedback about the delays incurred in the comments as noted here. Please send your reply to my email add directly po.
    Thanks po.

  72. Magkano po ang inward remittance fee if mgmoney tranfer? Pls send my inquiry sa email ad ko po.thanks po.

  73. Hi Ms. Nora,

    Nag.open na po ako ng kabayan peso savings account at may passbook na ako while waiting sa atm. Ang concern ko lng po if mgkano yung service charge once matransfer na sa account kasi pgngpapadala ako dito sa pinas, may bwas na 100pesos pg.bank account deposit through money bank transfer. Additional question, ang al ansari exhange po ba partner ng bdo remittance? Sharjah based po ako in UAE. Mabilis din po ba yung pgdebit or pgremit sa cash sa kabayan account katulad ng regular saving account? No delays?..okay lng po bah, yung atm at passbook iwan ko lng sa mother ko pra xa na mg.withdraw through atm khit nakapangalan sa akin ang account. Pls send my inquiry sa email ko po..Thanks po.

  74. Hi,ask ko lng po if pwde ba open nga accnt like checking and saving but wla ako sa pinas andito ako sa canada..may chance ba mag open at paano??

  75. hi po mam Nora,ask ko lng po qng pano po machecheck ung perang naihulog qng nakaapasok na po sa account..Kc andito po abroad and meron po aqng kababayan savings nsa akin po ang passbook and ATM..thank you po

  76. Hi Betty, magkano ang dineposit mo? Less than 10,000 pesos? Kasi kung less than 10k, baka naubos na yong laman to pay the 300-per-month penalty at na-closed na. Na-convert yong account mo into a regular account after 12 months mula sa last deposit mo. Then sa 14th month, pag below 10k ang balance, nagsimula nang merong bawas na 300 pesos per month.
    Pero pag 10k pesos or more ang deposit mo, na-dormant lang ang account mo, at andon pa ang pera mo, na-hold lang. When you get back here, dapat you go to your branch with your IDs and reactivate your account.
    If you’re not sure, try to ask about your account here: Contact BDO

  77. Hello, may bdo kabayan saving ako, 2012 pa ako last nga ngdeposit, ask k Lang po kung active pa un or madin pa pera ko. Salamat po sa mga sa sagot

  78. Hi Ken, the maximum atm withdrawal amount is 50k pesos per day or 5 atm withdrawal transactions. You can withdraw 10k pesos 5 times per day.

  79. Hello, my cousin opened a kabayan saving account in Dubai. However the kabayan savings atm was left here in the Philippines before she went back to Dubai and she wants me to withdraw the cash here in the Philippines and send it to her. How much is the maximum withdrawal limit of the Kabayan Savings atm here in the Philippines? thanks for those who will reply

  80. Hi Cess, yes, kung dumating na ang remittance mo, pumasok na yon sa account mo, kasi active na yong account mo, at yong atm card mo lang ang hindi mo pa nakuha. If you like, you can call BDO 631 8000 and ask if your remittance is already credited. Mention na hindi mo pa kasi nakuha ang atm card mo.

  81. Hi po mam Nora , ask ko lang po kasi my nagpadala asking ng pera sa account ko . tanong ko lang po kung pPasok na po ba yun kahit Hindi ko pa nakukuha ATM card ko ?

  82. hi po sir..pwede po ba ako mgdeposit ng pera sa account ng friend ko na nandun sa abroad kahit wala po ung atm at passbook niya sa akin??

  83. Hi jennamariepel, merong bang balance yong account mo? Nako-close ang account kapag walang remittance in 14 months, at walang laman para mabayaran yong 300-peso below-maintaining-balance penalty.

  84. Hi Catherine, ang account number ay yong nasa passbook — 12-digit number pag with 00. Ang number sa card ay iba, 16-digit siya. Card number siya. Pang-number lang yan sa card. Use your account number when sending money. Puede namang magpadala ng dirhams sa account mo, pero based sa experiences ng karamihan, kung okay naman ang palitan diyan, magpadala ka na lang in peso, kasi mababa ang conversion ng BDO kapag remittance from abroad, bukod doon sa ibinabawas pa na inward remittance fee. Dito ngayon, ang palitan sa mga okay na money changers is 1 UAE dirham = 13.10 pesos.

  85. My BDO Kabayan saving account na ako, gusyo kung magdeposit ng pera pero hindeboiso kundi derhams…paano ko ba to iledipost at saan ako pupunta? My balance to na 100piso but ang gusyo ko derhams ang e deposit ko…at pariha ba ang number ng account ko sa card at sa pasdbook?

  86. Hi po good morning..dto po ako sa Qatar nun last July po this year nghuhulog po asawa ko sa account ko pero po SBI ng teller as knya close na DW account ko.ATM card nsakin passbook nmn ang naiwan sa knya?

  87. Hi mam nora,ask lng po pwdi ba mahulugan sa asawa ko ng pera ang kabayan savings account ko?asawa ko kasi nsa pinas then ako d2 sa saudi.dito kasi aku ng open ng kabayan savings account sa riyadh so gusto ng asawa ko mg deposit sya sa kabayan savings account ko pwdi ba yon?thank u and im waiting your reply mam nor…

  88. hello,automatic po ba maconvert sa PH peso once my ngpdala sayo in USD from US or other country..through wire transfer..thanks

  89. hi po ms nora,paano po pla ung pay out bdo brs cebuana lhuillier?saan po dpat kunin ung pera,s cebuana po b o s cebuana? psensya n po,this is my first time n mgpdla

  90. hello po ask k lng po..ung asawa ko po nsa riyadh pag naghulog po ba cya sa kabayan savings k dito sa pinas ilang araw k po bah makuha ang pera sa atm k?BDO poung bank accnt k at the same time sa al rahji bank nya sa riyadh pinadala ung pera.thanks po uli..

  91. Ask po ulit. Dala ko po yung kabayan atm ko na inopen ko po nung march 2016 jan sa pinas dito sa saudi. Pede po ba dun ako maghuhulog ng savings ko? Salamat po

  92. Hi po. Nagwwork po ko now dito sa saudi. Nagopen po ako ng kabayan savings account sa pinas at nadala ko po atm at passbook ko dito sa saudi. At ngayong november ko lang po nahulugan. Nagopen ako ng accont march 2016. Pede pa po ba yun magulugan?

  93. hello madam nora, passbook bdo kabayan saving lang poh dinala ko dito sa qatar and nagremit ako last month.. paano ko macheck if talaga pumasok sa account ko? hindi ako kumuha ng atm card..

  94. hi mam nora, ask ko lang po kasi magbabakasyon ako next month sa pinas… ano requirements ng kabayan savings account? at mgkano po mgopen ng kabayan savings account? magkano din po maintaining balance?

  95. hi po seaman po yung asawa ko bago lang po., iniwan nya po yung kabayan savings nya sakin ask ko lang po peso n po b tlga ang mdedeposit don n sahod nya and parang kulang po kasi lage ng 1k yung salary nya base po sa computation ko kung yung rate po ang gamit dito.. pwd po ba xa sakin mag padala bukod po sa allotment nya and pano po?san po xa pwd mag padala?

  96. Hi grace, yes, basta merong nagpapadala from abroad sa iyong Kabayan account, at least one foreign remittance within 12 months, tuluy-tuloy na Kabayan ang status ng account mo.

  97. Hi Shekinah, kung Kabayan account, yes, kelangang mag-present ng recent receipt ng remittance from abroad, kahit hindi through BDO, basta foreign remittance. Kung wala kang foreign remittance receipt, puede kang mag-open ng regular atm account — ang opening amount at maintaining balance ay 2000 pesos. Puede ring padalhan from abroad itong account na ito. Puede ring walang account, at padalhan ka ng pera for cash pickup at BDO. Bibigyan ka ng fiance mo ng reference number.

  98. hi po. ask ko lang po sana kung magpapa open ng kabayan saver needed po bang mai proof of remittance? fisrt time pa kasi magpadala yung fiance ko. thanks!

  99. Hi po ask ko lng po ofw po ako pero uuwi na po ako ng pinas may bdo kabayan card po ako..okay lng po ba n yung fiancee ko dito s UAE dun na mghuhulog sa account ko?tuloy tuloy p rin po b yung account ko khit di na ako nqg aabroad pero hinuhulugan nman ng fiancee ko?salamat po

  100. Hi Edward, iba-iba ang speed of remittance. Mabilis ang mga Moneygram, Xoom, Western Union, etc. The others, usually the next day, up to 3 days. Yong mga 5 to 7 days, yon na yong mga wire transfer that uses intermediary banks.

  101. Hello po, ask ko lang po sana gaano katagal bagi ma remit sa BDO savings. once pinarocess po sa mga money remittance. salamat po!

  102. Hi azel2518, yes, okay lang na wala sa iyo ang passbook at atm mo. Yong amount na ipapadala mo, pag dumating na sa BDO, makikita agad pag mag-balance inquiry sa atm machine. Yong sa passbook, mag-aapir lang yong amount sa passbook kapag pumunta ang mother mo sa BDO at i-present yong passbook sa teller at sabihing “pa-update po”. Puedeng every after remittance ang update; puede ring every 3 months or more months.
    I think mas okay na diyan na ang conversion ng ipapadala mo, para alam mo agad how much in peso yong ipinadala mo, at mas okay ang conversion. Kung malapit sa 1 Q riyal = 13.15 peso ang conversion diyan, then mas okay. You can also ask other Pinoys there kung anong currency ang ipinapadala nila at kung ano ang mas mabuti. Based on my experience kasi (from US and South Korea), ang laki ng kinukuha nila sa conversion pag foreign currency ang ipadala sa peso account.

  103. Hello po! I have BDO kabayan savings account. Nag open po ako before ako umalis ng Pinas pero iniwan ko sa Mother ko..ang passbook at ATM Pag nagpadala po ako sa account pwede po ba nila iindicate sa passbook ko yung halaga ng napadala ko. Salamat po. Pasensya na po kasi first time ko po mag open account.

  104. Hello po! I have BDO kabayan savings account..iniwan ko po sa mother ko yung passbook and ATM. Pag nagpadala po ako sa account ko okay lang po ba kahit wala sa akin yung passbook at paano po yun maiindicate sa passbook ko. Salamat po.

  105. Hi po mrs nora, kapag po ba hindi napadalhan ng pera yong kabayan account ko ng isang taon pwedi po bang ako nalang magdeposit para hindi mag close account?

  106. thank you maam nora.
    ask po ako ulit maam.pwede po ako magiwan ng pera dun maam.den how many days po makuha yung padala ng mister ko if dun po siya maghulog sa account ko.thanks po.

  107. Hi Ann, are you in the Philippines? If you open at a BDO branch, makukuha mo agad yong passbook mo at active agad ang account mo. Puede ka nang magdeposit agad over the counter. Yong atm card mo, yon ang babalikan mo pa, maybe after a week.

  108. Hi zoila, sorry nagkamali ako sa pagbasa sa date, sorry. Bakit kaya 2015 yong tingin ko? Aug 2016 pala. Yes, active pa ang account mo. 3 months ago lang pala. Yes, puedeng hulugan ng husband mo ang account mo. I hope you take time to get your atm card, and change your default PIN. Sorry again

  109. andito po ako sa pinas maam yung asawa ko po yung nasa saudi.kaka open ko lng po nun august 3.pero yung atm ko maam d ko pa nakukuha.

  110. Hi zoila, more than 12 months na, so malamang closed na ang Kabayan mo. Mga Oct 2 siguro na-automatically closed. Andito ka ba sa Philippines? Try mong mag-balance inquiry sa BDO atm. If you forgot your PIN, you can ask your branch kung active pa ang Kabayan mo.

  111. gud afternoon po miss nora.
    pwede po magtanong nag open po ako ng bdo kabayan peso savings nun august 3,2016.pero d pa po nahulagn kahit minsan po.pwede pa po ba maghulog yung mister ko nasa saudi po siya.

  112. Hi richel, yes, your Kabayan can receive local money transfers (or within the Phils) and over-the-counter deposits

  113. Gudpm. Po aside from receiving remittance from abroad. Can you also receive money transfer locally? Like within the phils lng po? Or strictly from outside the phils tlaga? Thank you po

  114. Hi RINA, atm withdrawal sa abroad ba? ATM withdrawal overseas is 3.50 US dollars per withdrawal. Balance inquiry fee is 1 US dollar. In some cases, meron ding fee charged by the bank that owns the machine where you are withdrawing. Usually naka-display naman sa machine kung magkano.

  115. Hi RINA, hindi pa active ang atm pagkabigay. Kelangang you change the default PIN. Ang default PIN ay 123456 o 888888. After you change the PIN, hindi pa agad magagamit. Magagamit after 24 or 36 hours. About pagwidro: Ang pindutin mo is savings.

  116. Mrs NORA,ask ko lang po pag bnigay n ung atm ng kbayan saving may pin no active n po b un?ok lang po khit dna change pin.pag nag withdraw s atm saving po b o cash card ang pindutin first time ko lang po apply kbayan saving.slamat po

  117. Hi RINA, yes, pagkawidro from the atm, ibabawas agad sa account mo. Yes, you present your passbook if you like to withdraw over the counter, usually kung malaking amount. But you can deposit over the counter kahit wala yong passbook. Just fill up the deposit slip. Kung gusto mo namang complete ang details sa passbook mo, you can present to the teller (paki-update po) maybe every 3 or 6 months or every year.

  118. RINA. Miss Nors,ask ko lang po nag open po ako kabayan saving pag nag withdraw sa atm automatic na po un magbwas s account ko dna klangan present ang pasbook.ang pasbook po ba sa counter lang ko depsit o withdrwal

  119. Hi jane, di ba karamihan ng seaman, dito lang din sa Manila galing ang sahod? Kasi andito ang manning company? Na-late lang siguro ang pag-deposit ng company. Baka wala pa silang pera last Oct 29. Baka today or tomorrow, after the holidays.

  120. hello nag inquire po ako sa atm ng bdo kababayan saving pero la parin laman .. seamn po kua ko ..last september 30 ang last kong kuha sa october wala pa.. eh november na.. bt poh ganun.. kailan ba talga papasok yan??

  121. Hi Sharon, kung magdedeposit over the counter ang sender mo sa account mo sa BDO in another region, merong deposit fee na 100 pesos. Kung meron siyang BDO online banking, puedeng gamitin niya “Send to any BDO account” — this is free for now, until further notice. Kung the same region, no deposit fee.
    Ang BPI, PNB, Union Bank, Sterling Bank, Eastwest at iba pa, walang interregional over-the-counter deposit fee.

  122. Good Day po, tanong ko lng po kung may charges ba kung may mgpapadala sa kabayan remit acnts ko here in pinas lng.

  123. Hi Michael, it’s great that you’re depositing to your account monthly. That means you’re saving a lot. Hindi naman naco-convert ang Kabayan to regular dahil inubos mo kundi you’re not able to send to your Kabayan at least once within 12 months. Were you not able to send from abroad at least once within 12 months? But if your account has really been converted to regular status, sorry hindi na siya maibabalik sa Kabayan status. If you like this account type, mag-open ka na lang uli when you take your vacation. More power to your saving goals.

  124. Hi Nora, Yung account ko is no longer called “kabayan savings account”,na convert na sya as regular account dahil sa inubos ko ang laman. June 2016, i deposit the amount of more than 10k and keep depositing monthly. pwedi ko ba sya ma maibalik as kabayan savings account? Please advise. Thank you in advance. Michael

  125. Hello po,ask ko lang po dito po ba sa LEBANON wala na po bang bank na iba na pwede mag open ng account BDO lang ba talaga dito,salamat po

  126. Hi glaiza, it will depend on the minimum and maximum here in the Phils. The minimum atm withdrawal here in the Phils is 200 pesos, which is around 15 dirhams there. But it also depends on the lowest-value dirham note or bill that the atm there dispenses. The maximum atm withdrawal is 10k pesos or around 760 dirhams and the maximum per day is 50k pesos or around 3,792 dirhams (depends also on notes/bills being dispensed there)

  127. Hi jane, ibig mong sabihin nakaalis ka na hindi mo na-claim yong atm card mo? After your remittance, use this BDO Remit Status Inquiry to track your remittance. Use a BDO remittance partner para ma-track mo. After about 5 days to allow for remittance crediting, try to enroll in BDO online banking. Check “Outside the Philippines.” Read instructions after enrolling. Someone from BDO will call you there abroad and verify your personal info, and instructs you on how to complete your online banking enrollment.

  128. Hi Jane, walang minimum deposit, pero siguro naman waste of time kapag magdeposit ng 20 or 50 pesos lang. At kung galing sa abroad, dapat malaki naman ng konti para sulit yong remittance fee.

  129. wla po kong nkuha n atm card mrs nora,kung magdeposit po aq ngaun sa account ko pano ko po xa maupdate?thanks

  130. Hi josie, yes, puedeng depositohan over the counter dito ang Kabayan, pero kung walang remittance from abroad within 12 months, maco-convert into a regular passbook account at magre-require ng 10k maintaining balance. Kung hindi nahulugan after 14 months, most likely na-closed na. If you like, pasubukan mong padepositohan dito ng 100 pesos para ma-test mo kung active pa.

  131. Hi jane, sorry you can’t update your passbook there in Taiwan because there’s no BDO branch there in Taiwan. Yes, your husband can deposit to your account over the counter at a BDO branch in the province, kahit walang passbook, basta alam niya yong correct account no. mo. But BDO charges 100 pesos for every interregional deposit. I’m not sure if your account is still active since it’s almost a year since you opened it. Pero if you like, ask your husband to deposit over the counter in the province. Pag tanggapin ng teller at idedeposit ang pera sa account mo, it means active pa yong account mo, at puede kang mag-remit. Dapat magremit ka na agad kasi mag-wa-one year na. Ang requirement ng Kabayan is at least one foreign remittance every 12 months. If your atm card has a Mastercard logo at na-change PIN mo dito noon, you can make a balance inquiry there in Taiwan at an atm with a Mastercard/Maestro/Cirrus logo.

  132. Hi po ask ko lng po..paano po kung ndi ko nhulugan ang kbayan account ko dto sa ibng bnsa pro sa pilipinas po gusto kong padepositohan.pwede po ba yun?

  133. hello po mis nora,gusto ko pong hulugan ung account ko n open ko sa taft avenue pres.quirino,manila last nov.25,2015,asakin po ung passbook ko dto sa taiwan,at gusto rin po hulugan ng asawa ko kaxo sa probinsya po xa,at walang passbook,possible po ba un?and if pede hulugan ng asawa ko ung account khit asa probinsya xa,pede ko bang iupdate dto sa taiwan ung passbook?

  134. Hi anna, yes, your address should be corrected. Wala namang makakakuha ng pera mo kung nasa iyo lang yong passbook at atm card mo, pero you need to correct your address as soon as you can. Call BDO 001-800-8-6318000, toll-free if Singtel

  135. hi, i open my kabayan accnt. last May magstart n poh aq magsave sa Nov. kso npansin q n iba ung address n nkasulat sa passbook q hnd q poh address un at hnd un ang cnulat q sa aplication form. problema poh b un?? sa pinas poh aq nagopen at nndto poh aq Singapore ngaun. thanks

  136. Hi Mary Rose, yes, your family can deposit to your account over the counter at BDO. Pero maintaining balance requirement pa rin ang pagremit mo sa account mo from abroad at least once every 12 months. Kung hindi makapagremit from abroad, maintain at least 10,000 pesos in your account.

  137. Hi po pwd po ba akong magtanong,kung pwd bah hulogan ng pamilya ko sa pinas ang kabayan savings account ko.

  138. Hi po maam.. Ask ko lang.po about bdo kabayan.. Wala na.po sa 100 pesos yung laman ng atm.. Pwede pa po bang mkpg deposit sa kabayan atm.. Active.pa po ba kht wala na.sa 100 ang natira sabatm.. Slamat.po.

  139. Hi miss nora, good morning.. nkpagopen nq ng accnt. Pero d pala.pwede depositan ng check.. kailangan q po ba mg open ng another accnt for check.. and posible bang mkpag open ng checking accnt. Here abroad..
    Thank you..
    God blesse po..

  140. .. hi tanung ko lng po pwd po ba mag deposit ng saudi ryal sa bdo dto sa jeddah tapos i withdraw ng asawa ko sa pinas.. nasa akin ang pass book nasa asawa ko nman yung atm ko..

  141. Hi rolj, yes, here’s a list of BDO partners in Kuwait. Meron lang siguro partners na temporarily itinigil yong pagpa-open due to the recent money-laundering scandal, so kung ganon, try nio na lang sa ibang partner. No maintaining balance kasi Kabayan account ang account offered abroad. You just need to remit to the account from abroad at least once every 12 months.

  142. Hi Rejoice, sabi mo naman wala pang isang taon since your last remittance, so active ang account mo. Yes, puedeng padepositohan mo over the counter dito sa Phils para ma-make sure mo na active pa. Kahit 100 or 200 pesos lang. Kung tanggapin ang deposit at ma-credit sa account mo, it means that your account is active. You can call BDO 00-800-8-6318000 or 00-632-631-8000

  143. Hi po nagopen po ako ng kabayan savings dto sa oman nkpag deposit nrin po ako wla pang isang taon, ok lang po ba my magdeposit din galing po sa pinas hnd ko pa kc xa napapaactivate e hnd pko nkkauwi so hnd ko macheck ang balance ko. Salamat po

  144. Hi Len, more than 2 years? at merong laman na 7k? Nalungkot naman ako sa sinabi mo. Sayang ang pera. Pag ang Kabayan ay walang foreign remittance within 12 months, naco-convert into a regular passbook account at nagkakaroon ng 10k maintaining balance requirement. Most likely, nagpenalty yong account mo ng 300 pesos monthly starting on the 14 month, so malamang 300 pesos x 12 months na ang penalty, so nabawasan na ng 3,600. Na-dormant na rin ang account mo paglagpas ng 2 years na walang transaction. Meron ding penalty ang dormancy na 300 pesos a month din. Hindi ko lang sure kung sinasabay nila yong 2 penalties. Malapit ka na bang umuwi para makapunta ka ng BDO? Or call BDO: 00-800-8-6318000 or 00632-631 8000

  145. Hi po good day…ask ko lng po more than 2 yrs ko n po ndi nahuhulugan account ko s bdo dto po ako s kuwait pde p po kaya yun..dto ko rn po ako nag open..may laman po prng 7k po.tnk you and God bless.

  146. good day! ask q lng… if magpadala aq sa phil. ng 2300hkd thru kabayan savings.. how much ang charge all in all and makukuha rn b agad? thnx.

  147. Hi keith, usually kung involved ang bank sa remittance, hindi agad nake-credit pag weekends o holiday. Pero try mo lang mag-balance inquiry if you’re near an atm.

  148. Hi Bonnalyn, na-mention mo na June last year mo inopen ang Kabayan mo. Nakapagdeposit ka ba before May 2016? Kasi kung hindi, most likely closed na yong account mo, kasi ang rule ng BDO is remit from abroad at least once every 12 months. Meron bang Mastercard logo yang atm card mo? Kasi kung meron, puede kang mag-balance inquiry sa machine na merong Mastercard logo, para makita mo kung active pa ang account mo. Yong tanong mo about remittance company, puedeng Moneygram kasi partner ng BDO ang Moneygram, pero make sure mo muna kung active pa ang account mo.

  149. Pwede poh b aq mgremit ng pera khit n d poh partners ng bdo poh..kc wala nmn poh kc partner ng bdo dto sa tainan sa place q.papasok din poh kaya xa dun at ok lng poh b un.

  150. Hi ms nora.ask lng poh sana aq about sa kabayan savings account q naopen q xa sa pinas last june bfore aq ngflight.active n atm q..andto poh kc skin passbook at atm q.pwede q poh b hulugan ng remitance ung account q.panu poh malamn if pumasok poh.thanks poh. Wala din poh kc malapit n branch ng bdo dito sa place ng work q. Pwede b sa ibang remitance center q mong huluga..panu q poh malamn if pumasok poh ung remit q.wala din poh kc aq online kc nd p nmn poh nila inaactivate ung account q sa online kc wala p nmn tawag bdo skin.thanks marami

  151. Hi Lito, palagay ko closed na yong Kabayan mo, kasi lumagpas na ang 12 months na dapat naka-remit ka from abroad ng kahit isang beses lang. After 12 months kasi na walang remittance, ma-convert into a regular passbook account na nagre-require na ng 10k maintaining balance. Dahil 100 lang ang laman o zero, na-close na palagay ko last July or August. If you need to save in a Philippine bank, try mong mag-open a Landbank account sa Landbank representative diyan sa UAE. See the address here: http://www.banksphilippines.com/2015/11/ofws-open-landbank-savings-account-abroad.html

  152. Hi po nagopen ako ng kabayan peso savings noong june 2015 tapos diko naman nahulugan , pwede pa kayang hulugan ko ito? andito ako UAE ngayon working. Active pa kaya yon at pwedeng magremit? Pls need your advise. Lito

  153. helo po ask q lg po kc nag open account po aq dto sa uae almost 2 months na po since nag open po aq d q pa narerecieve ung card q

  154. Hi jb, yong atm card ay hindi pa active, pero yong account mo active na, at puede ka nang mag-send ng pera sa account mo. About your ATM card, you first need to activate it when you take your vacation in the Phils. What I know is you need to activate your ATM card before enrolling online, pero baka naman their policy has changed. You can try enrolling. Check the option “I am currently outside the Phils” or “I do not have access to a BDO ATM machine”. Somebody from BDO will call you, verify personal info and give you instructions.

  155. Hi mrs nora, my ask lang aq.. kakukuha q lang kabayan savings q dito sa qatar, sa isang exchance aq ng open. ACTIVE NA PO BA TONG CARD KO???PWEDE KU N PO BANG DEPOSITAN??? Ma I eenrol q nba xa online banking for checking my deposits and savings..?

  156. hi ms nora may tanong po ako kumuha po ako ng ATM s pinas noon june 2016 kaso gusto kpoh eh through online po ang padala s pinay to bank to bank ayaw nman po pmasok ang akin acount pra s true online

  157. Hi Ms. Nora may question ulit ako. Ask ko lang po pag nagpadala ba ko may babayaran pa ko sa bdo bukod dun sa binayaran kong remittance fee dito sa bankong pinagpadalhan ko dito sa Qatar? May separate fee pa ba yung bdo dun sa banko dito sa Qatar? Thanks po…

  158. Hi Krishiel, I think active pa yon kasi wala pa namang 12 months since Dec 2015. Ang rule kasi nila is remit to your account from abroad at least once every 12 months. Remit through a BDO remittance partner, then check using this: BDO Remit Status Inquiry. O kung na-activate mo yong atm card mo dito sa Phils, puede kang mag-balance inquiry diyan sa atm with the same logo as the logo (Mastercard or Visa) on your atm card.

  159. Hi po, magtatanong lang po sana ako if active pa po ba ung account ko. Nag apply po ako ng Kabayan ATM card last Dec, 2015.Then since na nag apply po ako ung laman lang po is 100 pesos.

  160. Hi vani, sorry I’m no longer sure because several OFWs have commented here that BDO partners abroad no longer offer account Kabayan opening. Maybe because banks have become more strict due to the recent money laundering scandal. But try asking BDO remittance partners in Kuwait.

  161. Hello! I intended to apply for a BDO Kabayan Savings account earlier but got rejected since I’ll be leaving tomorrow for Kuwait. Will it be possible for me to open the said account in Kuwait? Thanks.

  162. Hi tina, ask your aunt to call Pag-asa Express and confirm if your account name and account number are correct. Is your BDO account a savings account, not a cash card? I asked because cash cards have maximum balance limits. You can also call BDO. Ask your aunt the transaction or reference no. and try the BDO Remit Status Inquiry.

  163. my aunt send money last july 29 thru pag asa express and the agent transmit the money to my bdo bank account, but until now i havent receive the money. what shall i do??

  164. Hi Alicia, yes, dalhin niya yong school ID niya (ID should have photo, her signature and school head signature, at kung merong date ang ID, dapat hindi expired). Kung meron siyang birth cert (kahit local registrar lang), dalhin niya, in case they need to check proof of relationship.

  165. Hi yanameko, ihulog mo most of your remittances sa yong account, pero maghulog ka rin sa account ng mama mo once in 12 months para ma-maintain yong account niya. Kabayan din yong account niya, so you also need to maintain her account by remitting directly from abroad to her account at least once every 12 months.

  166. Thanks Ms. Nora for the reply. Naeroll ko na ng account yung mama ko and nagenroll na din ako sa online banking nila and i also enrolled my mom’s account to my account. So you mean kahit don ko sa account ko ihulog ok lang na di na imaintain yung account ng mama ko?

  167. Hello po,ask ko lang po sana kung pwedeng mgclaim ng perang padala ko from here abroad yong anak kong 16 years old.thank you very much po.

  168. Hi yanameko, hindi kelangan ng mama mo to maintain her account basta padalhan mo yong account niya from abroad at least once every 12 months. I-enroll mo na ngayon yong account mo sa BDO online banking while you’re still here (activate your enrollment at a BDO machine here in the Philippines), so you can check your balance while abroad, but BDO uses one-time-password (sent thru texts), so i-enroll mo yong phone no. mo na gagamitin mo abroad.
    To save on remittance fees, i-enroll mo ang account ng mama mo to your online account so you can transfer money to her account online for free. But remit to her account once every 12 months from abroad, para ma-maintain lang. The others, online transfer na lang para free.

  169. Hi im merlyn. Im here in uae now. And i want to deposit in my kabayan account but how can i be sure that the remittance will be really proceed to my account my atm and passbook is with me here in uae now. Thank you

  170. Hi,need to us I open a Kabayan Savings account last 2012, just thinking if it’s still activate? the card says valid thru 12/22

    Thank you.

  171. Hi po!!! Kumuha po ako ng kabayan savings just yesterday balak ko pong dalhin yung atm and bank book ko pagpunta ko sa Qatar and ikuha ng account yung mama ko using ung referral letter na binigay sakin. Need pa po ba ng mama ko na imaintain yung account na yon? Or no need na kasi dun ako magpapadala?

  172. Hi im geraldin i have a question
    My fiance wired me money since friday his day and saturday my day he is at seattle and its thursday now and still the money isnt in my account yet hpw long it will takes its been always like this im using kabayan bdo

  173. hello po d q po nkargahan ang kinuha q sa pinas n kabayan savings ko ng 5mos.active p po b z blak q n sna kargahan…advice me pls.

  174. Hi Fernan, sorry pero may mga nagsabi sa akin na BDO has stopped offering Kabayan account opening abroad. Most probably due to the recent money laundering scandal. Open ka na lang ng bank account when you take your vacation. Open din yong step child mo ng kanyang account in the same bank, then enroll both in online banking. I-enroll mo sa account mo yong account niya para puede kang magtransfer ng money sa kanyang account online any time. Remittance from abroad to your account is with fee; online transfer to your child’s account will be free. Consider opening with BPI kasi ang BPI puede transfer online without OTP. Ang BDO you need to enter an OTP (one-time password) texted to your mobile phone from BDO para maka-transfer. OK ito kung ang mobile phone mo in Saudi is able to receive texts from the Philippines.

  175. Pwede ko po iopen ang kabayan savings account ang isang tao na gusto ko padalhan sa pinas para sa pag aaral nya. Parang step child ko po atfirst year college na sya. balak ko ipon ng kabayan account pag leave ko. OFW po ako d2 sa Saudi. regards Alamid

  176. Hi Mrs Nora, Tanung ko lang po kung pag nag open po ba ako ngaun ng kabayan savings account magagamit ko po ba ung interenet banking ngaun,or may iba po ba ways para ma activate yung atm card like tatawag na lng sa customer service

  177. Hi Mary Joy, sorry, kung walang malaking balance yong account mo in 2012, na-close na yong account mo in 2012 or 2013. Try making a balance inquiry using your atm card, so you can see the status of your account. Sorry, BDO does not reactivate closed accounts. Also, if they allow reactivation, you’ll pay a huge amount for penalties. It’s better for you to open a new account.

  178. Good day po, can I ask about my account I opened that kind of account when I was in high school way back 2009 bcoz my mother is working abroad that time but in 2012 hindi n po doon s account ko ngpdla ang mother ko and hindi ko rin po alm n it requires maintaining balance. Ano po b pwd ko gwin pra mgmit ko prin ung account ko?thanks

  179. Hi, Please advise on how to transfer funds from kabayan bdo account to another bdo account,since im here in abroad.

  180. Good day po mam/sir.. ask ko lang po if kng anong gagawin kapag hindi match ung account name sa account number? OFW po ako nagpadala na po ako ng allotment last month pero hindi pa natatanggap ng parents ko ang pera .. when i checked my allotment slip iba yung nakalagay na name but the account number is right BDO po ung bank… pls help po… salamat po

  181. Good day po mam/sir.. ask ko lang po if kng anong gagawin kapag hindi match ung account name sa account number? OFW po ako nagpadala na po ako ng allotment last month pero hindi pa natatanggap ng parents ko ang pera .. when i checked my allotment slip iba yung nakalagay na name but the account number is right … pls help po… salamat po

  182. Hi mam/sir.. ask ko lang po if kng anong gagawin kapag hindi match ung account name sa account number? OFW po ako nagpadala na po ako ng allotment last month pero hindi pa natatanggap ng parents ko ang pera .. when i checked my allotment slip iba yung nakalagay na name but the account number is right … pls help po… salamat po

  183. Hi ANNA, sorry no, that’s not allowed. You should open it yourself. Where are you? I can send you a link if there are BDO partners there where you can ask assistance for BDO account opening. The passbook and atm will be sent to you maybe after a month.

  184. Hi Amelita, kaka-open mo lang ba itong Kabayan na ito? Nag-change PIN ka ba sa BDO atm machine when you were here? If yes, puede kang magwidro diyan. Pero I suggest na mag-iwan ka na lang ng para from your salary for your own expenses there so that you do not need to withdraw, kasi 3.5 US dollars or more din ang charge per withdrawal. Yes, yong anak mo puedeng magdeposit sa Kabayan mo over the counter sa BDO. Dapat magdeposit sa the same region with your account (example Metro Manila kung Metro-Mla opened yong account mo) para no deposit fee. At dapat mag-maintain ka ng 10k pesos sa account mo bago lumagpas ang 12 months, kasi free maintenance lang ang Kabayan if there’s foreign remittance. Pag walang foreign remittance at puro over the counter deposit land, you need to maintain 10k or more in your account. Yes, you can withdraw your money when you get back to the Phils.

  185. Hello…pls..help sino pwde po makasagut sa tanong ko…
    My ask…
    May kabayan acount po ako dala kopo
    Dto sa saudi now
    Gusto kopang hulugan..
    Pero sa pamamangitan po ng anak ko
    Kc po…ang sahud ko direkta
    Sa anak ko hinuhulog ng amo ko
    Amo kopo kasi ang naghuhulog ng sahud ko
    Sa acount mismo ng anakq…
    Kaya now gusto kopo na
    I transfer ung money galing sa kanya
    To my kabayan acount
    Pwde po kya un…
    At safe ba na sa pag uwi kuna..sya makuha…or pwde ba sya hal..na mag wedrew ako kahit andto ako saudi…pls…and thank u

  186. HI CAN I OPEN BDO KABAYAN SAVINGS ON MY NAME EVEN I CANT HAVE MY SIGNATURE?CAN MY BROTHER SIGN IT FOR ME?

  187. hi. meron po akng bdo kabayan savings. ask ko lng ng pagaactivate b n sinasabi niyo is ung og cchange pin? and paano mg deposit sa mga banko dito sa kuwait? tnx

  188. Hi mam nora musta po ask ko lng po naghulog ako sa account ko sa BDO dito sa lebanon sa SECO noong sunday july 3 hanggang ngayon po wala pa sa account ko ano pong dapat kong gawin ngayon is july 7 na salamat po.

  189. Hi maureen, your sister can withdraw from your passbook, but you need to sign the BDO withdrawal slip. They can withdraw at another branch, but they will pay 100 pesos. If you’re not sure if your account is still active, you can send money directly to your sister for cash pickup at BDO

  190. Hi. I forgot to renew my bdo kabayan atm card while i was on vacation in Philippines last may 2016. Now I’m confused if it has expired or still active now my concern is can my sister withdraw
    Remittance over the counter using my passbook and if so, can she withdraw the cash in any bdo branch or only in the branch where i opened the account

  191. Hi ronilo, you can send to your wife’s account even if without atm card. Have you registered with Quick Pay? Bring your iqama, then go to the nearest Quick Pay center and fill up a registration form and beneficiary form. Double check her account name and account no. Your wife can update her passbook and withdraw maybe the day after your remittance. Bring 2 ID pictures in case they require these.

  192. My wife open an account passbook only without atm card how could insend money via quickpay am from saudi

  193. Hi, I am in Qatar and I have with me my BDO kabayan savings and the passbook. I want to deposit my money for my savings but i don’t know any BDO banks nearby. Is there any options? Like remmitance center? Or could my family in Phil can deposit into my acct? If so, how can I know the balance or how can I be sure that it has my money, because the passbook is with me. Thank you

  194. Hi Fil, sorry I missed your question. BDO prefers that you call them if this is about login details: toll-free from a landline there: International Access Code-800-8-6318000. In the meantime you can use this for your recent remittance: BDO Remit Status Inquiry

  195. Good morning how can I activate my online banking to check my balance? Im here at Malaysia did have time to activate it before I left Manila. I already checked http://www.bdo.com.ph but needed is my log in ID and password., and that I forgot it. I have my passbook and card with me.
    I tried to retrieved it but I haven’t received as of now any emails form BDO. I just want to check if my BDO KABAYAN savings is active and want to check its balance though I actually opened it last April 2016. I just deposited this month only.

  196. Hi Rudy, I think no. BDO has certain requirements for checking account applicants. Converting a Kabayan account into a regular account is being done because they’re of the same type — they’re both savings accounts.

  197. how many i will wait before the remittance update from kabayan the money was sent from saudi arabia

  198. i use my bdo kabayan account when i was in phil. and my husband send,now im already in saudi with him and i want to continue as a savings plan to send it monthly,i left passbook in phil and bring the atm card so they will not use it or get money from it..im checking my balance through phone but now i cant open my bdo banking online coz i forgot my password and they send otp or one time password on the number registerd in bank which i cant use here,what should i do?

  199. Hi Annaliza, did you give your cash card to your child? If you ask your child to change the PIN, can she do it? If not, you can send money via cash pickup and not to the cash card. Your child will claim what you sent over the counter at BDO Cabanatuan. She needs to present a valid ID like school ID with photo and signature of school head.

  200. I wasn’t able to activate my kabayan atm card before I left. Now I’m here in Saudi Arabia. What should I do so I can send money to my child thru BDO remit cash? My branch is BDO Cabanatuan City Nueva Ecija

  201. Hi Gen zeaiter, sad to say there’s no BDO Remit partner in Lebanon. Your daughter can open a cash card or Kabayan account (with an older relative or friend, if she’s still in elementary). She brings her school ID, 2 ID pictures and a receipt of remittance from you. A cash card does not require a maintaining balance, but it has maximum balance limit (choose up to 10k and up to 25k). A Kabayan requires that you send to the account at least once every 12 months, and if not, it requires a 10k maintaining balance.

  202. Can i open an account for my daughter?? But i am here in lebanon she is in philippines.

  203. Hi Ms.Nora, I opened BDO kabayan savings account here in UAE, is there any way to activate it here in UAE instead of going back to phil. so that I can see my savings.

  204. hello 🙂 3 months from now aalis na po ako at mag wowork sa kuwait dito ako ngayon sa pilipinas .. balak ko sana mag open ng bank account sa BDO (Passbook or ATM) tanong kolang once na may Account na ako sa BDO dito sa pinas at nakaalis na ako papuntang kuwait pwede ba ako mag deposit ng pera gamit ang bank account ko ? after 3 years ba pag umuwi akong pinas ma wi withraw ko ba lht ng perang na ideposit ko nung nasa kuwait pa ako ? thanks sana masagot ang tanong ko 🙂

  205. Hi lolita, I don’t think that’s safe, although someone who wants to withdraw your money using your passbook should be able to sign exactly the same signature as yours (your signature in the BDO database). The BDO partner there might be thinking of forwarding your passbook together with new-account applications, but I don’t feel comfortable about it. I think it’s better that you use this BDO Remit Status Inquiry or call BDO using their toll-free no. from there.

  206. Hi mrs Nora the BDO partner here we have our passbook updated through them. They get our passbook and then forward there to pinas then after 1 month they’ll return the passbook to us. Is this safe? Thanks po

  207. Thanks Ms. Nora for the prompt reply. Yes, i opened it abroad, made a remitance already and pin activated in Philippines last March. They said it is for cash deposit only.

    Since I am working abroad, I tried contacting BDO thru e-mail, but their reply is useless – “To contact my branch of account or visit any BDO Branch”.

    is there a way to convert this account to a regular savings account? TIA

  208. Hi JR, it could be that you opened this Kabayan account abroad and you presented only one valid ID. Or this account has not been used before for cash deposit or remittance before a check deposit was made. Or it was opened here in the Phils with conditions, like presentation of supporting IDs.

  209. Hi janeth, yes, your husband can send money to your BDO account even if he’s not a BDO account owner.

  210. Can my husband send money even if he hasn’t have a kabayan peso savings? I’m the one who has a BDO account.

  211. i have my kabayan peso savings atm,which partner of BDO my husband can send the remittances in Dammam,Saudi Arabia.

  212. Hi darren, usually the remittance is deposited the next business day, but it can take up to 3 to 5 days,depending on the remittance firm.

  213. Hi! If my sister in law has a bdo account here in pinas, can her account receive remittance from my husband who’s in kuwait? Can I have a list of BDO remittance partners in salmiya kuwait. Thanks

  214. Hi Melodina, yes, there’s a requirement for you to remit to your account from abroad at least once every 12 months. So remit to your account this month, or before the 10th month from opening date, to be sure.

  215. hi po! I got my atm and pasbook then it was only after 5 months that I left for abroad. Is that ok? Is there an expiration for my account? its already activated. pls reply salamat god bless

  216. hello ms.nora i have dollar savings account with atm. May I ask if i withdraw money in bdo atm machines would that be in dollar or in peso and is that free of charge? thank you so much! I’ve heard if you only want to check your balance particularly your dollar account in atm machines there would be charge is this true?

  217. Hi lolita, you are not required to remit every month. You’re required to remit at least once in 12 months. If you can send to your account maybe every 2 or 3 months, that’s good for your savings and to comply with the requirement.

  218. Hi. I have a kabayan card and i need to open paypal account. how can i link it to paypal.. there is no option on MY ACCOUNT to add/edit bank account. The only option is add/edit card. Cannot add my kabayad card because it’s not a mastercard/visa. Is there any other way to link it?please help

  219. Hello mrs nora I’m ofw po. If I’m not able to remit every month, will BDO deduct 300 from my BDO savings? We opened here with only 65 dollars. reply please

  220. Hi maria rowena, it’s better that you open your own account so that in case you need to replace your atm card, or you need to correct something, you can do it because it’s your own account. Kabayan is an OFW remittance account — this is why BDO needs proof that you will receive money from abroad, so show any proof that you’ll be receiving money from abroad.

  221. hi ms nora,good morning.can i continue the account of my partner by using it in the philippines?can i open a bdo kbayan savings account without remittance receipt?hoping for your reply.thank you.

  222. Hello i want to open a kabayan account here in riyad …but when u go back to philipines u can use ur passbook f u dont want to use ur atm.tnx

  223. Hi Bryan hubert, yes. Find a BDO remittance partner in Riyadh and ask for assistance in opening a Kabayan account. Bring your iqama, other IDs and ID pictures. Your application will be forwarded to BDO Philippines. You’ll get your passbook and atm card maybe after a month. Your atm card can be activated only in the Philippines.

  224. Hi ms Nora would like to ask if possible to open an bdo passbook account here in riyadh? Any requirements needed. Thanks

  225. Hi Mae Ann, does your atm card have a Mastercard logo? Did you use your atm card in the Philippines? If yes, you can make a balance inquiry at an atm there with Mastercard logo. You can also call BDO 800-863-0011. Another way is to ask your family to deposit 100 pesos in your account. If the teller accepts the deposit, then it means your account is still active.

  226. Hi Joan, the maximum atm withdrawal per day is 50,000 (10k per withdrawal). Maximum no. of atm withdrawals per day is 5 times. If you use only atm withdrawals, then you can withdraw up to 50k x 30 days per month or 1.5 million per month. If you have withdrawn 50k for the day, and you need more money, you can withdraw over the counter. Show your atm withdrawal slip so you won’t be charged 100 pesos. If you have a passbook, you can withdraw at your branch over the counter without charge. If at another branch, you pay 100 pesos.

  227. Hello, how much is the maximum widrawal per day and per month using kabayan savings account Phillipines?

  228. Hi mrs nora before I come here in Riyadh I have kabayan savings and I want to check my balance how can I check my balance please

  229. Hello mrs nora I’m in Riyadh know I have kabayan account ATM how can I check the balance of my account I want to sent money but I don’t know if my account is close now or not please help

  230. Hi deal, yes, Kabayan is offered in all BDO branches. BDO Remit cash card is offered abroad. Regular cash cards are offered in all branches. If you want Kabayan, bring a remittance receipt or any proof you’re OFW or OFW beneficiary.

  231. Hi Joe, technically there’s no maximum limit to the amount that you can deposit to your BDO Kabayan savings account. You can deposit as much as you want. About remittance limits: The bank or the remittance company sets the maximum limits of remittance. If through Xoom, the maximum limit is $2,999 per remittance, and the maximum per month is $10,000, but Xoom will require you to give more personal info. If you need to send a big amount, use wire transfer through your bank.

  232. Hi, I just want to know if how much is the maximum amount in peso does bdo debit card allowed in deposit? And how much is the maximum amount required for sending money from USA to my bdo kabayan debit card philippines? Thanks.

  233. Hi Tiffany, it depends on the remittance company; remittances take from 1 hour to 7 days. Did your partner send to your account? or for cash pickup? Is he sure he wrote the correct name and account no.?

  234. Hi. I just open my Kabayan Savings last month and already activated. Then just this March 7, 2016, my partner sent money from Saudi and until now it’s not yet credited to my account. How many days before the money becomes available? Thanks

  235. Hi MG, yes, you can withdraw it when you get back here. Activate your PIN first, or withdraw over the counter using your passbook. There are 2 kinds of Kabayan loans: secured and unsecured. If unsecured, you need to submit income documents like job contract, remittance receipts or bank statements. You should have been working continuously for at least 2 years (3 years for certain jobs). If secured, your deposit of at least 15,000 pesos will be held by BDO as collateral. Loan amount will be 90% of collateral.

  236. Hi Nora! If I open a BDO account here in UAE, can I withdraw the money once I go vacation in the Philippines after one month? When i’LL be eligible to get ofw loan? Thanks!

  237. Hi jan, I saw these rates: for a remittance of about 750 QARs, the fees are 15, 19, 20, 23, 25, depending on the remittance company.

  238. Hi Sylvia, sorry no. You can apply for your own credit card and then apply for a supplementary card for your relative. Another option is to help your relative apply for her starter credit card (secured credit card). She goes to BPI or BPI Family (maybe easier with BPI Family) with her IDs and at least 5k pesos (10k is better), and apply for a starter credit card. Her 5k or 10k will be her collateral.

  239. Hi Glenn, the only way is by using your atm card there, if your atm card was activated here in the Philippines, and if it has a Mastercard logo. The other one is to enroll in BDO online banking while abroad. Enroll a Philippine mobile phone no. that has international roaming, or a foreign mobile no. that can accept texts from the Phils.

  240. Thanks for the reply Mrs Nora. I’m using BDO Online Banking. Do you know any way to track the status of the remittance not sent thru BDO Remit? The BDO Remit Status Inquiry is not showing anything in the website.

  241. Hi Glenn, based on senders’ comments online, the speed of remittance varies, but it should be within 1 to 5 days. Usually the weekends there and here also affect the remittance. Do you have BDO online banking? Or are you using the BDO Remit Status Inquiry?

  242. Good day Ma’am, I’m at KSA, and I sent money online thru Samba Speedcash, to my BDO Kabayan Savings Peso account. I’m wondering how many days before it will reflect on my BDO. The online transfer was done on February 18, 2016. Thanks and will appreciate your reply.

  243. Hi Michael, the remittance receipt should be in your name. Ask your father to send you your next family’s remittance so you can use the receipt to open your own BDO Kabayan account. To maintain a Kabayan account, there should be at least one foreign remittance to your account every 12 months.

  244. Hi ms nora naghulog po ako sa bdo ko after 2 days po tapos nag bdo status inquiry po ako tama nmn ung ref# na isinulat ko pero sabi wala dw transaction doon ano po un nakapasok kaya un di po kc ako maka banking online may iba pa bang paraan para malaman ko ang laman ng bangko ko salamat po mam.

  245. Hello. My dad is at Dubai and he wants me to open this Kabayan Savings Account and I was told to present a proof of remittance. The thing is, the proof of remittance my dad has is named after my sister. Would it be okay for me to use that to open my account? Thanks!

  246. Hi min, your passbook is a printed record of your transactions (passbook deposits/withdrawals or atm withdrawals). Present your passbook to the BDO teller maybe every 3 or 5 or 6 months to update it, so they’ll print your transactions in your passbook. If you don’t withdraw using passbook and you don’t withdraw using your atm, your money will be there in your account. Your atm card and passbook belong to one account (your account) and have the same account no.

  247. Hi po, what if I don’t withdraw money from my kabayan savings account, won’t my money in my atm get reduced?? what’s the purpose of the passbook?

  248. Hi joe, yes, you can open an atm-only savings account because it’s of a different account type from your Kabayan account. 🙂 Maintaining balance requirement for atm-only savings is 2,000.

  249. hello:) i have kabayan savings account for long time and its just for remittances:) but can i still open another bdo account under my name still? like BDO ATM-only SAVINGS ACCOUNT?

  250. Hi yang, based on the World Bank remittance chart, it takes around 2 days. Ask your sender to double-check the account name and no. that she wrote.

  251. Hi noel, before your Jan 22 remittance, when was your last remittance to your account from abroad? If it was more than 12 months ago, then your account is probably closed. Try using this: BDO Remit Status Inquiry. From Saudi you can call BDO: 800-863-0011 (toll-free if you use landline). If closed, sorry I think BDO does not reactivate closed accounts. You can ask when you call them. If closed, you can go back to your remitter and change your remittance to cash pickup at BDO over-the-counter by your family, or have your money returned to you there in Saudi (there will be charges).

  252. Hi po! how many working days does a remittance takes from enjaz bank saudi arabia to banco de oro kabayan savings account philippines? Reply asap po..

  253. or maybe it’s already closed because the balance was only 17sr (200php more or less) after my withdrawal last september. if closed, what’s the remedy to reactivate it? thanks po.

  254. I deposited po to my kabayan savings acct this jan.22, up to now po I’ve made a lot of balance inquiries, the money I sent is not yet in my account. I’m here in saudi. I’m sure my account is active because it’s not yet 1 year from my last transaction . what do you think is the problem?

  255. Hi Anna, your Kabayan should still be active because BDO’s time frame for remittance is 12 months. Are you abroad? To be sure, you can call BDO from abroad or you can ask someone in the Phils to deposit maybe 50 pesos in your Kabayan account. If the deposit is accepted, then your account is active.

  256. Hi I opened a kabayan savings account last june 2015, wanted to know if I can still deposit money to it? thanks.

  257. Hi marlon, you can deposit to your account by sending money to your account via BDO remittance partners in Saudi. Your account no. is in your passbook, near your name. Here’s a list of BDO remittance partners in Saudi. To track your remittance, use this BDO Remit Status Inquiry.
    You can also enroll in BDO online banking while abroad. Write your mobile phone no. that has international roaming or a foreign mobile no. that can accept texts from the Phils. Your one-time-password from BDO will be sent by BDO to your mobile phone no.

  258. hi Ms. Nora, I opened my BDO Kabayan savings account December last year in pinas when I was on vacation. Now I’m here in Saudi. How can I deposit to my account and where can I deposit? Also, how can I update to see if my remittance was deposited? Thank you po.

  259. Hi John, try making a balance inquiry again at another machine. If still not successful, most likely your account is already closed. If your account is a regular account, your remaining balance must have been used up for below-maintaining-balance penalties, and when your account balance became zero or negative, your account automatically closed. A sender abroad can remit to a bank account in the Philippines even if it’s closed because remittance companies abroad do not know if the bank account is closed. Call BDO 631-8000 or visit your branch with your IDs.

  260. Hi Nora, Someone from abroad deposited money to my account, and the problem is when we tried to use our ATM card to withdraw the money, the ATM machines response is UNAUTHORIZED ATM Account. I am worried that my account is already closed, the last transaction we made was last September 2015. and I believe the remaining balance that time was 500 pesos only.
    if my account is already closed why the remittance able to send money to my account? or maybe it is only my ATM Card, that machine cannot read.
    Please can you advice us?

  261. Hi ellengie, BDO does not reopen closed accounts. Besides, you will pay past penalties if you’re allowed to reopen. It’s better if you open another account. Can be in the same branch or another branch. The maintaining balance for an atm-only account is 2,000 pesos

  262. Hello before i have i Have bdo kabayan account. after i go and stay in phil within 1 yr automatic my account off. how can i open it again also my no. and password i already forget

  263. Hi Ren, there’s no BDO branch in Japan. Here’s a list of BDO remittance partners in Japan. If your plan is to open a BDO account while in Japan, you can ask them if they’re offering assistance in opening a BDO Kabayan account. Note that you cannot use immediately your atm card in Japan. It can be activated only in the Philippines. But once your account is approved, you can start saving and remitting money to your account.

  264. Hi, ako po si Mark..
    Itatanong ko lang po sana kung paano makakapag open ng bank account na nakapangalan sakin kahit nandito ako sa Riyadh..
    Nagkataon po kasi na nakuha na ng mama ko yung cheke ng backpay ko sa dati kong trabaho sa Pinas..
    kaso po di nila maipalit dahil wala akong pirma sa cheke at authorization letter sa cheke dahil nandito na ako sa Riyadh..
    Paano po ba ang magandang gawin?
    Kung posible po ba na makapag-open ako ng account sa Pinas kahit wala ako dun..
    Salamat po..
    Paki message na lang po ako sa email ko..

  265. Hi Clara, you’ll get immediately your passbook. For the atm card, you’ll be asked to return after maybe 5 days. Ask the BDO officer if you can have a generic atm card (your name is not embossed on the card) so you can get it immediately. Open your account on your first day here, so you can enroll your account in online banking and activate it while here. Activation is through a BDO atm machine.

  266. hi. if I open a OFW kabayan savings account how long It gonna take to get the ATM/ Passbook if I will stay 7 days in the Philippines.

  267. hi i wanna ask because i have a kabayan saving account now..my fiance hes from switzerland and he always sending a money thru western union but he told me hes very expensive to him..that why he suggest to get me an open accout and he can’t go always to western union…how can he send money online from bank to my kabayan savings account…

  268. hello po. Is my kabayan savings account opened last jan 21 2015 still active? Since then I haven’t deposited to it. Now I want to deposit to it.

  269. Hi mam nora, i have a bdo kabayan savings account, i send remitance to my is the exhcange rate same as in the world market or i depends on the selling and buying rate of dbo?? Sar to php tnx

  270. Hi. I just remit my money through enjaz and directed it to my bdo kabayan account. How many days before it appear to my online status?

  271. Hi Ma’am Nora,
    Nagtransfer po ako ng money thru SABBNET transfer services to my Kabayan BDO acct dated December 27, 2015 but until now I have not received or it was not yet credited in my BDO acct. Nag-follow up po ako sa SABB and they said na dapat nung 29 ko pa natanggap yung trinansfer ko. Upon checking it here thru BDO call center agent kung meron advice re my transfer money coming from overseas bank, they said wait ’til January 6, 2016 because di raw partner ng BDO ang SABB so it would take 3-5 banking days more! pano po ba ang counting ng banking days from December 27, 2015 to January 06, 2015? sobrang tagal naman…thanks po

  272. hi gud eve po! ask lng po ako if pwede bang mag open account ng BDO kabayan savings account here in qatar kasi hanggang ngaun wala pa kong atm para sa savings ko! tnx po! pls reply

  273. Can people here in the Philippines send locally through this account? For example bacolod to iloilo?

  274. Hello. Good Evening!

    I have BDO Kabayan savings the last time I send money was Oct. 2014 is there any charge or closure of my account? How I will prevent the charges?

  275. Hi po. May I ask if I can deposit to my bdo kabayan saving here in singapore. I opened my account there in pinas when I had my last vacation, so i want to I continue saving here in singapore. How can I save? Can my family deposit to my account even if my passbook is with me? Thanks po

  276. Hi Rish, if your atm card has a Mastercard logo, yes, you can withdraw there in Oman at a machine that diplays the Mastercard, Maestro or Cirrus logo. Charge is 3.50 US dollars per withdrawal and 1 dollar per balance inquiry. If there’s no logo on your atm card, request for a replacement card when you take your vacation in the Philippines.

  277. Hi I’m currently here in Oman. Would it be possible for me to withdraw from my account thru my BDO ATM card? It was July this year since I last withdrawn cash thru ATM in Philippines. My kabayan account is already been 5yrs with me but I haven’t done withdrawal abroad. Thank you.

  278. Hi Cherilyn, yes, your fiance can send money from abroad to your Kabayan account. Your account number is the 12-digit or 10-digit number in your passbook, near your name.

  279. hi. me and my fiance opened BDO Kabayan Savings account. Now he’s in abroad. I just wanna ask if he can send me money through my BDO Kabayan Savings account (remittance). thanks

  280. Hi laine, look for an atm machine that displays the same logo as the logo on your card (Mastercard, Visa, Discover Express, Cirrus, Maestro, etc)

  281. How can I check my husband allotment online? This BDO Kabayan ATM I have here is under his name.Thanks

  282. Gud day,I just want to ask assistance po if how can I inquire my husband allotment online? his a seaman, and this BDO Kabayan ATM I have here is under his name. our residence is far from the city, I need to commute almost an hour to go to the bank to inquire for the balance or if our allotment has arrived. It’s too much of a hustle everytime I check, and there’s no money yet. is there any way I can check online? I’m looking forward for your response.Thank you

  283. Hello po mam nora ikeep ko nlng lahat receipt ko pagdating sa pinas punta nlng ako bdo mag ask kong magkano nahulog ko safe po ba ang pera ko noon mam.salamat po

  284. Hi Miko, with BDO, your money should be credited to your account on the 4th business day. My recent transfer from my Paypal account to my BPI account took just one day.

  285. Hi. May i know what are the requirements in opening a BDO account? They said, two ID, but my Qatari ID is still on process. My passport is the first ID to be presented. Will they accept Philippine Government issued ID like Voters, TIN?

  286. Hi Ms. Nora. I have a BDO KABAYAN SAVINGS ACCOUNT. My sender is from Ontario, Canada. How can he send money thru my account? Thank you so much! More power. 🙂

  287. Hi I would like to ask if ilang days po ba bago dadating ang padala thru BDO REMITTANCE? Is it Immediate ba or should I wait for couple of days? My momom sent the money thru BDO REMITTANCE from US

  288. Hi Benjamin, your account is already closed. Most likely, your account automatically closed 14 months after your opening date. You can try opening another account.

  289. Hi, my girlfriend opened a kabayan account name after me since she has to work to singapore in 2012, since then we have no transaction or remittance at all until now 2015. is my bdo kabayan savings account still can be use? Thank you.

  290. Hi Irene, it’s 3.50 US dollars. Balance inquiry is 1 US dollar. Your atm card should have a Mastercard or Visa logo.

  291. Hi Margie, if your atm card has a Mastercard logo, and if you changed your PIN at a BDO machine in the Philippines, yes, you can use it to withdraw your Kabayan money at a Mastercard/Cirrus/Maestro-linked atm there. Yes, you can send money to your Kabayan account from your Australian bank through wire transfer, or its own international funds transfer service, if it has. Can also be via online banking, if your bank there in Australia allows international online funds transfer. There are BDO remittance partners in Australia.
    About receiving money: your account is based in the Philippines, so anyone in the Philippines can go to BDO and deposit money to your account.

  292. hi i wanna ask about Kabayan saving account. Can I use it while I’m here in Australia like Withdraw money or send money in Australian bank? Can I use it for sending and receive get money in Philippines as well? Thanks

  293. Hi Sheila, yes, you can send money from abroad to your account. Write your bank name, account name and account number. Yes, you can make a balance inquiry through mobile banking, but enroll first in BDO online banking. After your online banking has been activated, go to Google Play using your smartphone and download the BDO Mobile Banking app

  294. Hello, I’m here abroad. Can I deposit with out passbook? Or can I make balance inquire through my mobile Internet?

  295. Hi Marlon, do you mean transferring your Paypal money to your Kabayan bank account? Yes, you can. Add first your bank account to Paypal. Please comment again if you meant another.

  296. Hi Kat, write Manila because that is where your BDO branch is. If you know the specific location in Manila, you can also write it. Anyway, you can withdraw through BDO atms and other atms in Cadiz. You can also use your passbook in the BDO Cadiz branch.

  297. Hi I just open an account in manila the kabayan savings account. Im from cadiz. Now here at saudi. The remittance here was asking about the bank branch of my account is it okay if I put here cadiz branch instead of manila branch? Because im from cadiz? Thank you

  298. Hi Kayla, if your atm card has a Mastercard or Visa logo, and if you have changed your PIN at a BDO machine here in the Philippines when you were here, find an atm there with the same logo (Mastercard or Visa) and withdraw. Charge is 3.5 US dollars. Your brother can withdraw only if he can present your passbook and a BDO withdrawal slip which you have signed (you signed the Representative portion of the slip), and if the teller sees that your signature on the slip exactly matches your signature on their records. There are times also that they require your ID, in addition to your brother’s ID.

  299. Hi, I would like to ask if I am able to withdraw here in Abu Dhabi using my Kabayan Savings ATM, If not, is it possible to ask my brother to withdraw in the Philippines using my passbook? Even I’m not there?
    Thank you.

  300. Hi hana, did you receive your atm cards? You can activate your husband’s account if you have his atm card. If not given, and you were instructed to go back to BDO and claim your atm cards, BDO won’t give your husband’s atm card to you. You can claim only your own atm card — activate your account by changing your PIN at a BDO atm machine. Your account will be active even if your husband can’t activate his atm card. Your account and your husband’s account are separate accounts. Your husband can activate his atm card only at a BDO machine in the Philippines. Did he receive his passbook? If yes, he can send to his account, but he can’t check yet his balance through atm. He can check through BDO Remit Status Inquiry.
    You can enroll your BDO Kabayan account in BDO online banking

  301. Hi Ms. Nora, what should my husband do to activate his BDO Kabayan? He was not able to activate because there was no more time; he flew to Saudi in a matter of hours. I also opened my own Kabayan, can I use mine? Because he was not able to activate his Kabayan? Please help po. Is there a process to activate my husband’s Kabayan?

  302. Hi vanessa, is your husband a seaman? Call the office of your husband if your allotment has been sent. If the money is deposited here in the Philippines by your husband’s maritime office, your money should be available immediately.

  303. Gud am why has our allotment not yet arrived? At other banks like bpi, the allotment has arrived. How many days should we wait?

  304. Hi michelle, is that a Remit cash card? or a Kabayan atm card? Is the card in your name? If yes, bring your valid IDs and your atm card to your branch and inquire about the status of your atm card.

  305. Hello po, how do we activate our kabayan cash card? It’s been 3 months that our atm does not have any balance as my husband was on vacation for 4 months so there was no allotment deposited to our atm. When I checked our atm, my atm is already closed. What should I bring to the bdo branch to activate my atm card?

  306. Hi olive, if the passbook is in your name, no, your mother cannot withdraw because the passbook is not her passbook. The easiest is door to door because she will just show her ID and sign the delivery slip. But this is also not safe if she’s alone in the house. Another option is to send her money for cash pickup at BDO. She fills up the Remittance form at BDO. She needs to write your remittance company, reference no., your name, address, phone no., her name, address and phone no., amount of remittance, ID no. and signature. She needs to bring a valid ID.

  307. Hi, I have a kabayan account. I am in hongkong and I want to ask my mother to get remittance using passbook as she doesnt know how to use the atm. Can she get the remittance using my passbook?

  308. Hi melanie, sorry no. You have to be both physically present at the bank when you open your joint account.

  309. can i and my bf apply for joint account at bdo ..it is possible even im here in singapore and he is in the philippines?

  310. Hi Kristine, after 12 months of no foreign remittance, your account will be converted to a regular passbook account, which then will require you to maintain $500 in your account. If less than $500 for 2 consecutive months, your account will be reduced by $5 at the last day of the 2nd month, and every month thereafter until you comply with the $500 balance, or until your $100 becomes zero or negative and your account closed. Remit to your account before the 12-month count is reached

  311. I have a Kabayan Dollar Savings Account and has only 100$,will this be closed if no remittance for a period of months?

  312. Hi elmer, find a BDO remittance partner, and ask if they’re offering Kabayan account opening. Write where you are so I can give you a link if there are BDO remittance partners there.

  313. Hi Lyn, if 14 months have passed and no one remitted or deposited to your account, and it only has a balance of 300 or less, it’s most likely closed already. But if 12 months have not yet passed, and if you like to maintain this account, you need to deposit 10k pesos and maintain this amount, so it won’t close and it won’t incur a penalty of 300 pesos a month. A Kabayan without foreign remittance for 12 months is converted to a regular passbook account with a maintaining balance requirement of 10k pesos. Make a balance inquiry at a BDO atm so you can check its status.

  314. Hi, I am using a Kabayan Account of BDO, unfortunately no one send remittances coming from other country because my relative was already back here in the Philippines. What will happen to my account? Is BDO, is able to make some charge? Thank you and God bless.

  315. Hi Romeo, kudos to you for trying your best to pay your debt. Call BDO 631-8000 and ask if your Kabayan loan is already fully paid. If BDO says ask the collector, then I guess you’ve already paid your debts, since the collector no longer calls you. Most likely BDO sold your loan paper to the collector, and the collector has already got the amount he wanted from you.

  316. Hi christian, yes, you can open a BDO Kabayan account when you take your vacation. Show your passport and remittance receipt to show you’re working abroad. Enroll your account in online banking and validate your enrollment here at a BDO atm so you can track your account abroad online.

  317. Hi, I got a 30k loan from bdo asenso kabayan last 2008. I was able to pay about half. then I stopped for 3 months due to emergency causes. When I wanted to continue paying, BDO no longer accepted my payment, saying a collection agent will call me. The agent told me to deposit to my account the amount he’s going to say, which I did. Sometimes 2k, one time 5k. When I’ve deposited more than 10k, he no longer called and no longer can contact him. I hope you can help me know where I can go to ask my balance. thanks and God bless

  318. hi madam IM Christian I am her now in Qatar but next month I will go to Philippines for my vacation, can I ask if I can open BDO kabayan savings account when I arrived in Philippines for me and for my wife ?

  319. I have plan to vacation next month in Philippines because now I am here in Qatar, can I ask if I can open BDO kabayan savings for me and for my wife when I arrive in Philippines because until now I don’t have any ATM account.

  320. Hi Rhea, yes, you can apply for a BDO joint account as long as you have at least 2 valid photo IDs each and the minimum required deposit (2k for atm-account, 10k for passbook account, higher for other accounts).

  321. Hi. I have a kabayan savings account. I regularly send to it. Is this account good for local deposit? I have a small business there and I like it to be the account where earnings from my small business will be deposited.

  322. Hi Gretchen, you can enroll in BDO online banking so you can track your account online. How to Enroll in BDO online banking while abroad I’m puzzled that someone said your remittance can be posted in your passbook in Kuwait City, as there’s no BDO bank in Kuwait City. What I know is that it’s only BDO banks here in the Phils that can post transactions in your passbook since it’s their computers that are linked online to the BDO system. After every remittance transaction, you can use this to track your remittance: BDO Remit Status Inquiry. You can also use this: https://www.bdo.com.ph/contact-us

  323. Hi Christian, you can apply for a Kabayan account at a BDO remittance partner office there, but processing will take about a month, at which time you’ll already be here in the Phils. It’s your partner that can open an account here in the Phils, so you can send to her account. Another option is to send money to yourself through BDO for cash pickup about a few days before your trip, and then you pick up the cash yourself upon arrival in the Phils. When you’re here, you can open a Kabayan account, and then enroll it in online banking while here (activation is through a BDO atm here) so you can track your account while abroad.

  324. Hi po I opened po my savings account in pinas last june then last week I deposited 30 kd. But it was not posted to my passbook. The teller told me to go to kuwait city for my passbook posting. Is there no minimum deposit to peso savings account? I don’t know where in the city. I plan to make deposits only and then withdraw when I get back to pinas. Are my savings safe?

  325. I am here in Qatar now, but by next month i will go to Philippines for my vacation, so i want to send my money first before i go,i want ATM in my hand not in western to incash all but i don’t have any account since my partner in Philippines she don’t have account also, so i want to try to open BDO Kabayan savings, for me and for my partner there. can you give me some advised.

  326. Hi Mariel, yes, you can ask for your statement of account if you’re in the Philippines. If you’re abroad, it’s better to call BDO: International Access Code-800-8-6318000. For recent remittance, you can also check here: BDO Remit Status Inquiry. You can also inquire here: BDO Contact page. Yes, you can ask about all deposits to your account (dates and amounts), and your total balance, since this is your account, but the name of the depositor (your fiance) is usually not recorded. Usually there’s just a code whether it was an over-the-counter cash deposit or a foreign remittance.

  327. hello po. Can I ask for a statement of account from the remittance center to show how much have I remitted to my account? I think I have remitted once but my fiance in saudi has remitted monthly. If I request for a statement of account, can I see the remittances made by my fiance? thank you po.

  328. Hi Irene, yes, you can withdraw over the counter because Kabayan is also a passbook account. Bring your passbook. If there’s no passbook, withdraw first 50k from the atm, then withdraw the rest over the counter. Show teller that you have withdrawn 50k from the atm.

  329. Hi po. Can we withdraw over the counter money from BDO Kabayan Savings? Need more than 50k, but isn’t that the withdrawal limit in a day if we withdraw through the ATM? Thank you po!

  330. Magandang hapon po. Is my kabayan savings account still active? The balance is around 100 and it’s been about 3 months I haven’t remitted to it. I plan to remit to it. Thanks po

  331. Hi Anne, yes, if you are near a BDO Remit office or a BDO remittance partner. Sad to say, there’s no BDO partner in Indiana (based on your IP address). Many BDO partners are in California. BDO Remittance partners in California. If you like to save in the Philippines, you can explore Pag-ibig MP2. It has higher interest rates than time deposits. You can get your savings after 5 years.

  332. Hi Aris, did you send your money to your BDO account? Did you write your name, bank name and account no.? If all is correct, then your money is now in your BDO account (written in your account records with BDO). The amount will be posted in your bankbook only after you bring your passbook to a BDO branch in the Phils and have it updated. To ask about your account, you can make your inquiry here: https://www.bdo.com.ph/contact-us. You can also use this BDO page to track your money: https://www.bdo.com.ph/personal/remittance-services/bdo-remit-status-inquiry

  333. Hi po I have kabayan savings account. But got only bank book. Wasn’t able to get the atm. Got Kabayan last nov. 2014 so it’s less than a year. How can I know if the money I sent was deposited to my account? Will they post it here in saudi to my bank book? other means to check my money?

  334. Hi art, your Kabayan account is still active. Remit to your account this year. It needs at least 1 foreign remittance every 12 months for it to remain Kabayan (maintaining-balance-free). Once it becomes a regular account (after 12 months of no foreign remittance), you need to maintain 10,000 pesos or more in your account.

  335. Good day, i am working abroad,last jun 2,2015 i open BDO kabayan savings bank but until now i haven’t deposited of have any transaction. my initial deposit is 100 pesos. Is my account closed or not? Thanks.

  336. Hi Jim, do you mean your account is not a Kabayan account? If not Kabayan, your BDO debit card represents your BDO savings account. Do you have your account no.? It should be 10-digit, or 12-digit if you have 00 at the start. That’s an atm-card-only savings account. Yes, you can make this your savings account. That requires a 2,000-peso maintaining balance; you should maintain at least 2k in your account so you won’t incur monthly penalties. You can use the BDO Remit Status inquiry to track your remittances, then when you take your vacation, enroll in BDO online banking so you can check it online anywhere anytime.

  337. Hello, Gud day po. I’m working abroad. I wish to open a Savings account so I can save, but what I received is a BDO debit card. Can I use this as a savings account? It’s my first time to open an atm. I don’t know the difference.

  338. Hi Madelyn, if you do not send to your account from abroad at least once in 12 months, your account will be converted into a regular account, which needs a 10,000-peso maintaining balance, and if you don’t maintain this amount, you will be penalized with 300 pesos monthly. If there’s no more balance, your account will close. What to do? Send to your account from abroad before the 12-month period is reached, then send to it at least once every 12 months. Dormancy occurs when an account has no deposit or withdrawal within 2 years.

  339. Good day po! im here in bahrain and i open BDO savings account last april 16, 2015 and i recieved it last may 2015, after that i didnt deposit yet until this time…but there’s already 300 pesos balance upon registration. what will happen if I don’t deposit to it and how many years before it becomes dormant? Thanks.

  340. Hi Abby, if abroad, your atm card should have a Mastercard or Visa logo. Check first with the mall store if they’re accepting foreign-issued Mastercard or Visa debit card. If in the Philippines, yes, as long as the store accepts debit/atm cards.

  341. Hi victor, was it sent through the post office? or through a courier like FedEx? If courier, your sender should follow it up with the courier. If through the post office, and if it’s registered, your sender can follow it up at the post office where he sent the atm. If already sent from the Philippines, it will now depend on the Saudi post office to deliver your atm.

  342. Hi Joann, yes, deposit at least 15k pesos, and you can borrow up to 13,500. Your deposit will be your collateral (secured personal loan). If you want to borrow a higher amount, you try applying for the unsecured personal loan. You’ll submit income documents. Borrowing from BDO’s personal loan program is practical only if you can borrow a bigger amount, as the processing fee is 1,200 pesos.

  343. hello po! I don’t have yet an account with BDO. in case I open an account, will I be entitled to apply for an OFW loan? I’m in UAE now.

  344. Hi Reneth, if your fiance sends money to your account, you can make balance inquiry at a BDO atm machine using your atm card, so that you don’t have to wait in long lines at BDO counters. You can have your passbook updated by the teller after every 3 or 5 remittances.

  345. Hi..good day! I try to clarify what does the bdo requirements if I will avail the housing loan, though I had kabayan saving only. Is it possible po ba? And what’s the requirements? I look forward for your response po. Thanks.

  346. Hi po. My fiancé ask me to open a bank account so I tried this kabayan saving account. If he will send thru western union, can I withdraw it thru the ATM or should i present the passbook first? I can’t ask the teller. She is so mean to me..

  347. Hi Shiena, if your husband tells you that he sent money to your Kabayan account, then the money will be credited to your account, so withdraw from your account. Have you sent him your Kabayan account number? (The number in your passbook). But if he tells you to claim the money from Western Union, then he’ll send you the 10-digit Western Union Money Transfer Control No. or MTCN so you can claim from Western Union.

  348. Hi po! I opened Kabayan savings (remittance). I wasn’t able to ask the one who assisted me because she was mean. I wanted to ask if my husband sends thru western union, will it go direct to my account (kabayan savings account)? or can I get it from western union?

  349. GooD Day Po. how can we open a joint account since we’re here in canada. Reply po ASAP and thanks.

  350. Hi rafa, if you have successfully remitted to Remit cash card through your online banking previously, then, yes, you can also remit to a regular cash card. The only difference is that the regular cash card can contain only up to 10k pesos (if there’s no name on the card) and 25k (if with name on the card) at a time. If you mean remittance through your foreign bank’s online banking that uses Swift code, it might not work, as cash cards do not have an account no.

  351. Does the regular Cash card works the same as the Cash card remit? Can the regular Cash card received remittances via online banking? Thanks

  352. Hi Anne, your refund should be credited to your account within 3-5 days, as they said. Check your balance after 3 to 5 days.

  353. I purchased online through souq.com and i cancelled it, i used my kabayan savings to pay forr it since it wwas cancelled the souq. Com sent me email that my payment was refunded within 3-5 days , does my money will come back again in my account?

  354. Wow, thanks a lot for the immediate response and info Ms Nora 🙂 In online banking po, there’s the option “send money to un-enrolled bank accounts”. Can I send money to relatives and friends’ accounts with other banks?

  355. Hi Ronel, sad to say, yes, banks charge for incoming remittance to bank accounts. It’s good you were charged only 85 pesos, as others complain about being charged for much more. The BDO website shows only fees for remittance from other countries; there’s no info for the Middle East. The fees range from 20 HK$ to 5 euros to 8 US$. BDO also says the fees depend on their partnership agreement with their remittance partners. For foreign currencies being converted to peso when credited, banks and their partners also use lower exchange rates.

  356. Hello po. Currently I’m in the middle east. I have a kabayan savings account. I remitted to kabayan savings account using a local bank here in saudi. The local bank here already charged for my remittance, and upon getting credited to my kabayan savings account, they also charged me 85 pesos. Is there a fixed charge by bdo for remittance or does it depend on the amount remitted? And what are the corresponding amounts charged?

  357. Hi po! Ask ko lang kung pwede po ba ako mag open ng kabayan savings account dto sa pilipinas? Pinagbubukas po ako ng ate ko na nasa Jeddah. Gusto nia mgpadala pero sa bdo lng dw malpt sa location nia.. Pwde po ba ako mag apply ng kabayan kht po hndi ako yung mag aanroad? Wat are the requirements po? Thanks in advance

  358. hi!
    me and my partner opened a joint account in bdo( remittance account )…
    we put our both name as our account name..
    suddenly my tita from france wanted to send me money, but the account name was too long…
    can I go to bdo branch where i opened our account to request to change the account name either my name only or my partner’s name only?….to make our account name shorten….

  359. Hi Mrs Nora, I just opened my Kabayan savings account here in kuwait, I gave all the requirements that they needed and filled out some forms. They told me it will take 1 month before I can claim the atm card and passbook. They also told me that I can save and remit to my account once I have my card and passbook but i cant apply for an online banking. I can enroll in online banking once I get back to pinas. what i’m really scared of is how can I be guaranteed that the money I remit is being credited to my account since there’s no online banking. can u help me please? Thanks!

  360. i always deposit money to my kabayan account.how may i inqure the exact amount though i cannot go to the bank always..may i ask my beneficiary to ask in the bank about the updates in the phil. if it was secure?

  361. Hi, I live her in USA, Is there any possible to open an account from BDO? If so, What should I do first? and What are the requirements?

  362. Hi mae, is your mother sending money from abroad? Yes, you can go to the nearest BDO with your school ID and registration card, or any other ID, and 1 or 2 receipts of remittance from your mother, and apply for Kabayan.

  363. Hi. Im 4th yr student. Can I avail of kabayan card? My mother sends me twice through bdo. So she wants me to avail of the card.

  364. Hi warren, ask your sister in law if she can send you one remittance so you will have one foreign remittance receipt in your name to show to BDO. Remember that you need at least one foreign remittance every 12 months, and if not, you need to maintain 10,000 pesos in your Kabayan.

  365. Good day. Can I open a kabayan savings account even if I am not ofw? My sister in law sends money to my mother in law.

  366. Hi jonathan, yes you can do that, but I’m not sure if BDO is still requiring owners of foreign-opened Kabayan accounts to first go in person to their Philippine branch before they’re able to activate their atm cards. Maybe another option is to enroll your account in BDO online banking while abroad, and then Send money to your mother-in-law’s own account through BDO online banking’s Send Money service. You can also later on enroll your mother-in-law’s account (if BDO) to your online banking account to avail of free online transfer.

  367. Hi jenny, yes, your student can send money to your Kabayan. Kabayan was designed for OFWs, but as long as the remittance is a foreign remittance, then it qualifies for maintaining your Kabayan. The one sending to my Kabayan is not OFW.

  368. Helo po..ung kabayan account q po almost a year n hindi nadeposituhan taz ngaun po balak q xa gmitin niregstr q po xa s ebanking ng bdo taz inactivate q po xa using my kabayan atm taz diretso balance inquiry n po taz nkpg inquire nmn po aq 20pesos mhigit po ang remaining balance..taz nung nagtry n po aq mgcheck s ebanking ang sinasabi po inactive account dw po..patulong nmn po..nkpg balance inquiry nmn po aq..slmt po sna po mtulungan nyu po aq..

  369. Is kabayan savings account only for ofws? Can my student from korea send me money thru kabayan account?

  370. Hi. Wanted to open an account. But once I have my passbook and card. Can I authorize my mother in law to activate my card in the Philippines, I will be sending her my card and passbook with authorization letter.

  371. Hi Khean, ask your mom to ask her sister to send her next remittance to your mom through you, meaning address the remittance to you, so you can have a foreign remittance receipt in your name, and so you have a receipt to show BDO to open your Kabayan account. Remember though that you need a foreign remittance to your account at least once a year so your Kabayan is maintaining-balance-free. If not, you need to maintain 10,000 pesos in your account.

  372. Hello! Good day My Tita is in Middle East. Can I open BDO KABAYAN SAVINGS If she just only send remittances to my mom?

  373. Hi roseina, if your atm card has a Mastercard logo, and if you have changed your PIN at a BDO atm in the Philippines when you were here, yes, you can withdraw at an atm machine with Mastercard logo there in Kuwait

  374. Hi joyesh, I think your account was already closed in 2014. You can try making a balance inquiry at a BDO atm. Ask your friend to send you money via Cash Pickup at BDO.

  375. Hello po. I want to ask if it’s okay that my mother will not update my passbook and check if my remittance to my kabayan savings this july 8,2015? Will my remittance arrive even if they don’t update? My passbook is with my mother and I brought my atm here abroad. Thanks po

  376. Hi Lerma, sad to say, you can use your passbook for withdrawal over the counter only at a BDO branch in the Philippines

  377. Hi. I have kabayan savings account and the last deposit made from abroad was July 2013 and local deposit last Jan 2013. Is my account still active? Coz i have friend abroad who will send money through my kabayan account. Thank you.

  378. Hello there Just wanna ask something about remitting on my kabayan savings. Its been a year that i havent deposit money on it and im not sure how much is still there and i want to save again and the validity of my kabayan savings atm would be December 2020. What should i do?

  379. Hello everyone… Can I withdraw money here in Dubai using my bdo passbook? I forgot my ATM pin number and I urgently need to withdraw money. If it is possible, do you know which place here in Dubai I can withdraw?

  380. HI Blush12, if you cannot login to your online BDO banking, sorry, you cannot transfer money online to your mother’s account. You can send online only if you enrolled in online BDO banking and you have activated it in the Philippines.

  381. Can i send my savings on my bdo kabayan savings to another bdo account in the phil? What if i didnt activated it yet in the phil? Can i still send money to my monthers bdo accnt?

  382. Hi anjielie, no, that’s your atm card no. Your account no. is inside your passbook, the number above or below your name. It’s 12 digits if with 00; 10 digits without 00. An example of a BDO account no. is 007221135058. I think the 4 digits below the name on the front side of the card is the branch code.

  383. Hi Edz, do you mean a BDO atm card with a Mastercard logo and an atm abroad with Mastercard logo? Yes, if you have changed your PIN at a BDO atm machine in the Phils. The BDO limit per withdrawal is 10k pesos per withdrawal and 50k per day.

  384. Do all the digits on the front side of the atm card (Bdo kabayan savings) make up the account number? There are also four digits below the cardholder’s name. Thank you

  385. can i withdraw from my kabayan peso savings account here in kuwait? or should i activate first the account in philippines before i can withdraw?

  386. Hi Car, yes, if your atm card has a Mastercard logo. The maximum is 10,000 pesos per atm withdrawal, up to a total of 50,000 pesos per day. Convert it to the currency where you are. Consider also the maximum limits of the bank you are using.

  387. Hi maricel, if you opened your account with a little amount and never remitted to your account for 2 years, I think your account was closed in the 13th or 14th month after opening. You can try opening a new one at any of these BDO remittance partners in Taiwan

  388. Can I withdraw here in UAE from my bdo kabayan savings account? I have used it to withdraw in Pinas. I opened my account in Pinas.

  389. hello. can I activate my account at bdo even if I’ve been here in Taiwan for 2 years? I wish to use it for deposit. I have my passbook and atm with me.

  390. hi just wanna ask, coz i already have my kabayan account,.but i stop sending a money on it..is it going to expired or not?coz i want to used it agian..its almost a year since i send a money on my account..i think its still have 500 peso onside..im hoping for your reply on my email..tanx

  391. Hi Maricris, does your mom has your passbook? If she has it, then you can ask your mom to go to BDO and check their withdrawal slip. If the withdrawal slip has a portion there which says “I authorize ___ to withdraw the amount of __ …”, then she can send you the form so you can sign. Don’t write yet your name and account no. for security purposes. Ask her also to ask BDO if she needs to show your ID when withdrawing and using the authorization portion.

  392. Good day! Can I send an authorization letter to my mom in pinas so she can withdraw from my kabayan savings which is in dollar account? I’m currently in Vietnam now and they will visit me again next month. Is it possible for her to withdraw? Thanks!

  393. Hi mark, yes. she brings 2 valid ids, 2 id pictures, and 1 or 2 receipts of remittance to her from abroad. the receipts will prove she will receive foreign remittances, as kabayan account is for ofws and their dependents

  394. hi can my wife open a kabayan account? i’m here in korea. what are the requirements she needs to bring. hoping you reply tnx

  395. Hi Kathy, yes, your friend can send money to your Kabayan account. Kabayan was designed for OFWs so bring a receipt of remittance from abroad or other proofs when applying for the account.

  396. I am planning to open a kabayan savings account because my friend in US want to send me money..so can he transfer the money on that account?

  397. I am planning to open a kabayan savings account because my friend in US want to send me money..so my question is can he send the money to kabayan saving account?

  398. Hi Cyn, BDO requires a digitized ID with photo and signature. Since Kabayan is an OFW account, you need to present 1 or 2 recent receipts of remittance to you from abroad. It can also be your sender’s OEC and your birth or marriage certificate (proof of relationship to the OFW). Postal IDs now are digitized; you might want to apply for it. Another option: You can bring the IDs that you have and present to the BDO accounts officer and ask if they’re enough.

  399. Can we use baranggay id and nso birth certificate or nbi clearance to apply for a kabayan savings account. These are the only IDs I have.

  400. Hi Lourdes, there’s no maintaining balance requirement for BDO Kabayan, but you are required to remit to your account from abroad at least once every 12 months. If not able to remit once every 12 months, deposit 10k or more and don’t withdraw it. Yes, your savings will earn interest, but very little only — 0.25% a year. Your purpose is not really to earn interest, but to save. You can earn more with Pag-ibig MP2 or SSS Flexi-Fund or PESO savings programs, but you can get these savings after 5 years.

  401. Is there no maintaining balance for ofw saving? And if I have savings and I don’t withdraw it, is there interest? How much is the interest? Is the interest monthly or yearly? Thanks

  402. Hi ask ko lng po kung anu pong pnaka malapit nah bdo oh partner s tainan taiwan dko po kc alam kung panu po mkakapag lagay ng pera s kabayan savings s bdo

  403. Hi kathleen, if your mama has at least 2 valid IDs, she can apply for her own Kabayan account. But she can try applying even if she has only one valid ID. Bring ID picture, and proof of billing like Meralco, so this might help. BDO might also ask for a receipt of remittance from your brother to prove that she’s receiving money from abroad. If there’s no receipt yet, but you already have OEC, you might use this, together with your birth certificate, to show BDO that you’ll be sending money from abroad to your mama. Enroll your accounts in BDO online banking while you are still in the Phils so you can validate your enrollment while here, and so you can check your account online when you’re abroad.

  404. hello po just want to ask im in the Philippines but can i deposit to my kabayan account? cause my husband said theres no tied up Bdo in their place.

  405. Hi Mam Good day! I have kabayan peso savings with my older brother. I am his beneficiary, but now I’m also going abroad. We wish to have our mama apply for her own kabayan peso SA so she will be our beneficiary? Thanks. God bless

  406. ano po bang dapat gawin para mahulogan ko po ulit itong BDO kabayan savings accnt. ko alam ko po may 600 pesos pang laman ito,pero ng hinulogan ko ulit last 2 days nakatangap po ako ng message na naka hold ang ipinadala kung pera sa DBO Accnt. dahil invalid data daw po

  407. Hi Paolo, it depends on the remittance company used by your sender. If it’s through Moneygram or Western Union, it’s within the hour. For many others, usually, money is credited the next day. If 2 or 3 days passed and the money is not yet credited, ask your BDO branch, or ask your sender to check if he/she wrote the correct name and account no.

  408. Good da. I just want to ask if I can get immediately the money deposited from abroad here in the phils using the atm kabayan savings? Will it take days to withdraw the money?

  409. Hello . Miss nora . Ask ko lang if pano ko makukuha yung pinadala sakin sa kabayan savings ko ? Kung after 1year hndi ko nagamit ???

  410. Hi I just want to ask if it is possible that my company can transfer directly my payroll to my kabayan savings, or does it need a mediating bank for this? Lastly, will the money be automatically converted to peso and can no longer be used here in KSA? Thank you so much.

  411. Hi Miker, you can transfer money via BDO online banking if you have enrolled with BDO online banking when you were here in the Phils. Activation of online banking registration is through a BDO atm in the Phils. If you’ve registered and activated while in the Phils, you can transfer without using OTP. You enter your password, and then click “Challenge Question”. You will answer with a personal data info that you gave to BDO when you enrolled.

  412. GOOD EVENING PO MS NORA. How can I TRANSFER MONEY BDO TO BDO ACCOUNT via ONLINE BANKING? Others, when they SEND NG MONEY, there’s OTP. I don’t have network signal on my mobile as I’m a SEAMAN. We only have INTERNET.

  413. Hi Leah, I haven’t tried this request with BDO, but they should. Request over the counter with your IDs and pay the fee.

  414. mrs nora ask po if I can remit to my account. last year po BDO savings. when i came back to taiwan I wasn’t able to remit to it. Is it still active? thank u very much

  415. Hello miss nora is it possible to get an statement of account if your atm is BDO kabayan savings account? Thank for the response miss nora

  416. Hi Jasonlewiz, this account was made for remittance or payments from abroad, so they require proof. Their maintaining-balance requirement for this account is at least 1 foreign remittance every 12 months.

  417. Hi sunshine, the maintaining-balance requirement for Kabayan account is remittance from abroad at least once within 12 months. If your remittance was put on hold, you go back to where you made your remittance and change your remittance mode from account deposit to cash pickup, so your recipient can get your remittance over the counter.

  418. Hello po ms nora mag tatanong lang po sana kung possible po bang makakuha ng statement of account pag ang atm mo is BDO kabayan saving account? …thank you po…

  419. Hi my saving account was closed and i haven’t noticed it. I just use it december 2014. And when i send money in my account this april 2015 they said it’s closed. Why?

  420. Hi ronnel, if you send money to your Kabayan account from abroad (should be from abroad) at least once in 12 months, you do not need to maintain money in your account. If not maintained by deposit from abroad, you must maintain 10k pesos or more in your account every day, so you do not need to worry about penalties, and you don’t need to compute. If needed, here’s one way to check maintaining balance.

  421. hi mrs nora i don’t have remittance proof. I just want to apply for this to get my money in my online job. Can I still apply for this kabayan account?

  422. Hi i open my kbayan savings account in phil that time no available atm they gave me only passbook. Now i want to deposit money how can i check it?

  423. Hi rosalie, your family can deposit your SSS loan check to your BDO Kabayan account. Some banks require a SPA to encash checks, and certain banks don’t even recognize SPAs. You can ask your family to go to the bank branch written on the check and ask if they accept SPA from abroad for encashment. Overseas SPA needs verification from the Philippine consul there. About your atm card, your family can wait for tomorrow (after 24 hours) and try again using your PIN. They can try 3 times. If it’s still incorrect, sad to say, it’s only you who can change your atm card — BDO requires their account owners to replace their atm card in person (with valid IDs) at their bank branch when they forget their PINs.
    In the meantime, you can send your remittance to your family for cash pickup at BDO.

  424. hi there, I have kabayan savings account,and leave the atm to my family sad to say that they cannot use it because the pin is not correct , is there any possible way to change it now that im here abroad. it’s a waste if they can’t get any money. please reply through my yahoo.mail, thanks

  425. Hi rose, if you have sent to your BDO account from abroad at least once every 12 months, your account will not be closed. For example, at least 1 foreign remittance within Nov 2012 to Oct 2013, at least 1 foreign remittance within Nov 2013 to Oct 2014, at least 1 foreign remittance within Nov 2014 to Oct 2015.

  426. hi, good day. can i ask question? still im using my bdo kabayan and sending to my account and i can inquire also but is there possibility that it will expire, from november 2012 until when it will expire

  427. Hi just want to ask if what happen to a kabayan savings acct if didn’t receive any remitance for a year and if it happens that it will be converted to a regular savings acct with a 10k maintaning balance and what if the maintaining balance was withdrawn and the balance become zero, what was probably happen to the acct? Thank u so much

  428. Hi dezza, yes, it will be rejected. Account name and no. should exactly match that of the record with BDO or any bank. If it was his boss who signed the remittance, it must be his boss who should go back to the remittance center and correct the account no. Or his boss can authorize your husband, if authorization is allowed by the remittance center there. There might be a charge for correction. You can also call BDO 631-8000

  429. hi just want to ask, my husband asked his boss to remit on his behalf, and the boss made a mistake in writing my account no. Will that be rejected? One digit was incorrect.

  430. hello mam nora i wanna ask if i can still use my kababayan saving account if my last transaction made was last feb.2014? is it still active and can still deposit?

  431. Hi Assej, there’s no limit to the amount you can deposit to your Kabayan account. There might be a maximum limit for outward remittances in the country where you are, but as long as you earned your money legally, there’s nothing to worry about. Usually your remittance company tells you if there’s a maximum limit.

  432. Hi myniel, I think so. If your husband used a BDO remittance partner, the money should be available within the day or the day after remittance. Try after lunch.

  433. good morning, I just want to ask if how much is the maximum can I deposit to my kabayan savings? or is there a limitation? hoping for your response. thanks?

  434. Good morning, Hello po, can I withdraw today at bdo? Yesterday, my husband remitted me money.

  435. Hi Aileen, I hope today you already see your remittance credited to your account. Many foreign remittances to my BDO account were credited the next day.

  436. Hello, i deposit in my kabayan yesterday. I am here in jeddah and my atm is with me. I check online today for my balance. Why the money i deposited not yet entered in my account? What happened? My account still active..coz i can check it online..

  437. Hi Jolebeth, what I know is that BDO does wire transfers only from dollar accounts and through online only. So I think it’s better if you open an account with BPI Family or other banks, so later on you can send money to your friend’s bank account in the US through BPI Family’s wire transfer. Or if you really like BDO, you can go there and ask if you can make a wire transfer to the U.S. using a peso account (there might have been a change). To open a bank account, bring 2 valid IDs and 2 ID pictures. If BDO Kabayan, bring receipts of latest remittance from abroad. If you have a Meralco or water or credit card bill, bring them too in case they need proof of address.

  438. hello po. I wish to open a kabayan savings account. One of my friends in US was sending me money using western union and I need to pay her/him back. How can I open a kabayan savings account? and how much should I deposit here in the Philippines so she/he can receive there in the us after I transfer money to her account. thank you po

  439. Hi aruma, sorry you cannot withdraw there using your passbook. About your PIN, you can replace your atm card when you take your vacation in the Phils.

  440. Hi Ms. Nora..ask ko lang po kung mgkano charge fee kung mgpapadala ko using my BDO Kabayan. Nakaregister na ako sa bdo online banking. Pag ginamit ko yung “pick up anywhere” ng BDO magkano kya mgging charge fee nun? salamat po.

  441. hello po can I withdraw here in hong kong using my kabayan savings passbook. I forgot my atm PIN, what should I do? thanks po!

  442. Hi pixie, yes, your students can remit/deposit to your Kabayan account. But it’s true that the total remittance fee is costly, as BDO also charges its own remittance fee here even if the sender has already paid a remittance fee in Korea. Recently, my in-law in Korea sent to my Kabayan account 25k pesos, and BDO deducted 653 pesos. My sender said she already has paid the remittance fee there in Korea. Before this, the 10k sent to my account was deducted with 200 pesos, and my sender said she paid more or less 300 pesos for remittance (I think she used Moneygram).
    I’m curious what your students are currently using to pay you. If they can pay you through Moneygram for cash pickup, then it will be good for you, as you won’t pay anything if you claim your money over the counter at BDO.

  443. Hi ms.Nora, I’m actually an ESL teacher teaching Koreans. I have bdo kabayan card and I would just like to know if my students can send money through my bdo kabayan account?I actually suggested it but they are a bit worried about the tax rate or the remittance fee. Is it okay to know how much is the fee from Korea to my account?thank you.
    Need your answer ASAP.God bless you..

  444. Hi Ms. Nora, a relative of mine sent money thru Western Union to deposit said money to my bdo account in London last Feb 28, 2015 London Time. Upon inquiry to my BDO bank account here in the philippines i found out that said money was still not deposited to my account. May i ask how many days does it took for me to receive the money? Your immediate response is highly appreciated. Thank you

  445. Hi jane, yes, you can open a Kabayan account even if you’re not an OFW, as long as you’re receiving remittances from abroad regularly. Bring one or 2 receipts of foreign remittances as proofs.

  446. Hi ma’am, just want to ask,. Is the Bdo kabayan account only made for OFW’s?? Can a family member open an account simply because the OFW will send remittance through bdo!? I mean, can i open an account even tho im not the OFW!?

  447. Hi cheska, that’s good you have around 20k. That means even if your account is converted to a regular passbook account, which requires a 10k maintaining balance, your account is still compliant and active. A Kabayan is converted if it does not receive a remittance from abroad at least once within 12 months. Make sure you make at least 1 deposit or withdrawal within 24 months so that it does not become dormant.

  448. Hi ms. Nora… I have kabayan savings account… but I didnt deposit since july 2014.. do you think its still active???

  449. Hi i done deposit to my ofw acount savings..how could i check my balance inquiry…i register also to bdo.com.ph just want to make sure my money was there in acount

  450. Hello good afternoon. In the past, I can withdraw from my savings here in bahrain and use it to buy here at the shopping mall. Why now I can’t use it? I remitted last on february 7,2015 100 bahrain dinar through western union. Thanks

  451. Ms, Good day. Is there any branch at saudi arabia, khobar? i want to open a savings account or is there any way to open savings account? I’m on now at Saudi Arabia. Thanks.

  452. Hi angel, I think your account is already closed and I think BDO does not allow reactivation in this case. But you can open a new Kabayan account.

  453. Hi. Is my kabayan account still active? Last deposit was dec 2013. Balance was 700php and if no longer active, can I reactivate it?

  454. Hi Rhea, it’s only been 6 or 7 months since Aug 2014 (their rule is at least 1 remittance within 12 months), so I think your Kabayan is still active, and you can remit money to it. But to be sure, you can make your inquiry here before sending money to it: BDO Contact Page

  455. Hi kristine, if through usual remittance companies, usually the deposit is credited to the account the next day, or after 24 to 48 hours, based on my experience. If sent for Cash Pickup through Western Union or Moneygram, the money can be claimed immediately over the counter.

  456. Hi nora! If an ofw deposits from saudi to an account at bdo kabayan savings, can the deposit be withdrawn immediately or is there a clearing? Thanks

  457. I have not remitted to my kabayan atm card since august 2014. Most likely it’s closed. How can I reactivate it? I brought my card with me here in Saudi. Thank you. Waiting for your reply

  458. Hi Leah, there’s no expiration date. But if your Kabayan account is closed, then your atm card will not work.

  459. Hi mrs nora,
    I just wanna ask if i can used my kabayan card to purchased apps like in apple store or itunes?
    Hope will hear from you soon have a good day

  460. Hi Glenn, I suggest you ask someone to check if the account is active, as maybe only the atm card was deactivated due to a certain reason. Ask your family to deposit 100 pesos to your account over the counter using a deposit slip. If your account is active, the deposit will be accepted. If no longer active or already closed, the deposit won’t be accepted. If your account is already closed, send your remittance for CASH PICKUP. If you send to a closed account, your remittance will be rejected and be put on hold and you’ll spend some time and money to amend your remittance from deposit-to-account to cash-pickup.

  461. We were told by the one who checked the card that it’s an unathorized invalid card. Can it be reactivated if a remittance is sent? It’s really needed by koney. And if ever what can I do to fix it?

  462. Even though I haven’t remitted. If I make an initial deposit, can i prevent it from being inactive? And if the money arrives, will it activate the card?

  463. Hi Glenn, assuming that you opened a Kabayan account, I’m puzzled that your account is now inactive, as this is a no-maintaining-balance account and you just opened it last Nov. Write your inquiry here, BDO Contact Page, to make sure your account is active when you send your remittance.

  464. Hi. Just want to ask. I opened my dollar account last November 2014. I left my atm card at home. My mother withdraw by initial deposit of 100 usd. But when she checked my account it is said my account is inactive. My remittance will come by next week. Will it reactivate automatically if my employer send my money to my account?

  465. Hi Ann, yes, you can open a BDO Kabayan there in Dubai through the remittance partners of BDO. But I’m not sure if you’re allowed to have more than 1 Kabayan account. What I know is you can open another account, but should be another type. You can ask there if you can open an atm-only savings account with Mastercard. Here’s a list of BDO remittance partners in Dubai.

  466. Hi Ms. Nora, Thank you for the info., 🙂 I already change the pin of my atm card while in Phils. but 1 thing is that my ATM card doesn’t have a Mastercard Logo. In case, I want to open a bdo kabayan peso savings account here in Dubai, is it possible and how? really appreciate your kind help. Thank you.

  467. Hi Ann, this is how to enroll in BDO online banking while abroad. About atm activation, did you change your PIN while in the Phils? If yes, then you can use your ATM card with Mastercard at a machine with Mastercard logo. About activation: There’s no BDO machine in Dubai, so you cannot activate your atm card there. Activate it when you take your vacation in the Phils

  468. Hi Ms, Good Day and Happy New Year,
    I just would like to inquire if I can avail of the Ebanking Services,
    I am currently located in Dubai, United Arab Emirates and I have opened my Kabayan Savings Account way back in Philippines last March 2014. Also, How would I know if my ATM account is already activated and if not so, can I activate it here in Dubai without going back to Philippines? Please do reply on my email: annchellediaz@yahoo.com
    Hoping for you kind response. Thank you.

  469. Hi Beverlyn, because you opened your account abroad, when you vacation in the Phils, you need to go to your branch in Metro Manila to link your atm card to your account. After linking, you change your PIN to activate your card.

  470. hello, does anyone can advise me about activating my OFW BDO savings account? i opened my account here in Abu Dhabi, U.A.E. and started sending some amount in the said account. I gave my ATM card to my sister back in Philippines to activate and withdraw some amount unfortunately she can not activate it. As per the personel said, only the owner is authorized to activate the card. My concern now, do i need to go in Manila Branch where my ATM was addressed just to activate my account and can withdraw the amount immediately?

  471. Hi gem, sorry, we cannot yet transfer money online from BDO to BPI or other banks. The only ones that offer interbank transfer in the Phils are Union Bank EON Visa cyber account (10 pesos by Union Bank plus charge of the recipient bank) and Bancnet-member-bank accounts (although Bancnet interbank transfer is still suspended temporarily as of today). Online money transfer from one BDO account to another BDO account or from one BPI/BPI Family account to another BPI account is free. CORRECTION Dec 21, 2014. We can now send money from our BDO account to another account in another bank through BDO online banking. The charge is 100 pesos.

  472. thank u so much…so its cheaper if i will deposit thru remittance centre…how much is the charge when i transfer money online from my bdo account to another bank in pinas? (i.e bdo to bpi bank)

  473. Hi marygrace, your cousin really needs to remember her PIN because it is only she who can go to her BDO branch and replace her atm card. If PIN is forgotten, BDO personnel cannot retrieve the PIN because PINs are encrypted; what they do is to issue a new atm card, and they do this only upon the account owner’s request in person at the branch. If your cousin can’t remember, then she needs to send money to her family for CASH PICKUP at BDO (recipient needs to show IDs). To maintain her Kabayan as her savings account, she needs to send to it from abroad at least once in 12 months or maintain 10k pesos or more in her account.

  474. Hi gem, Saudi Holland is not a correspondent bank and not a remittance partner of BDO, so the charge will be higher and the remittance processing will take longer as Holland will use another bank to connect with BDO. It says on Saudi Holland’s website that their online international money transfer fee is 40 riyals plus 10 riyals for processing. The Swift code or BIC code for BDO Unibank is BNORPHMM . This code is for all branches of BDO. BDO might also charge 100 to 150 pesos. We have an article related to your inquiry: Saudi banks you can use to send money to the Philippines online

  475. i checked the holland website about online international money transfer but they are asking something like swift code or IBAN number of beneficiary bank. but i couldnt find iban number written in my atm or passbook.

  476. hi ms nora..im in ksa now, i just want to ask how to transfer money from my bank here (saudi holland bank) to my bdo kabayan account in pinas without withdrawing from atm and sending thru remitance centers? is it possible? thank u. Is holland bank a bdo partner? im planning to do it online if its possible. how much is the charge if ever? thanks in advance!

  477. hi ,my cousin have her kabayan savings account. she left her atm to her family. she’s in abroad now (oman).the problem is,she forgot the password that she made in her atm. now her family can’t withdraw money from her atm. what should my cousin do to retrieve her password? please help.any suggestion will be helpful.thanks

  478. Hi Jenifer, if the name and account no. on the wire transfer paper match your BDO account name and account no., then the reason could be the banks used. If your sender’s bank is not a BDO correspondent bank, it will use another bank (a BDO correspondent bank) to transfer the money, so the remittance takes more days. Yes, if the money has not yet arrived in 2 or 3 more days, then your sender should contact her bank.

  479. Hello! I was expecting money remittance to come from the US. Sent last December 5, but until now has not reflected on the system. I’m here in Hongkong and have been emailing back and forth with the customer service and said that the problem has been endorsed to their Remittance Unit. My Kabayan ATM was left in my family in Manila. My passbook is with me here in Hongkong. I use it to send money to my family back home. It has been more than 10 days and I’m not sure what else to do to expedite process or find out what happened. Do you have any advice? Do you think the problem lies on the remitter’s end? Do I ask the remitter to send inquiry as well of the transaction to her bank as to know what happened? The remitter provided me details of the wire transfer and I also sent it to BDO to help with their investigation.

  480. Hi jeanne, if this is through wire transfer, you might get it Monday or Tuesday. But I hope you’ll get it earlier.

  481. Gud day. if friday morning in pune india a remittance was sent to my account and was deducted from his account at nighttime, is it possible that I can receive it saturday? Thank you

  482. Hi miss nora, last time I linked my atm card to my bdo account. After linking, I used a bdo machine to change PIN, but I made errors and exceeded allowed no. of tries. PIN change was not successful. What should I do? thanks

  483. Hi apple, your account no. is the no. in your passbook — the no. above or below your name in your passbook.

  484. hi. i have my kabayan savings passbook and atm my mom wants to deposit in my acc. where i can find my account no. ? i am really confused because the no. written on my atm and passbook is not the same. where i can fin my account no.? thanks! i need your reply asap

  485. Hi Maribel, go to your husband’s BDO branch with your IDs and marriage certificate and your withdrawal slip, if there is, and inform them that your atm card was debited. Meanwhile, ask your husband now to email BDO and request BDO to credit what was debited. He should provide complete info: date and time, location, amount, was there a withdrawal slip, what appeared on the screen, etc. When you talk with the BDO officer, inform them that your husband has already emailed BDO.

  486. Hi im maribel…..i have the kabayan saving accnt of my husband and his atm as well…but the problem is the cash was debited by the atm machine..but his not here in the philippines,,his working abroad…how can i fix it…

  487. Hi Bernadette, after you log in, you can immediately see your account data, such as account no. and balance. You can hover your mouse over icons to your left and right top, and you will read “My Transactions” “Home” etc. You can also check your remittance using the BDO Remit Status Inquiry: https://www.bdocashcard.com/rts/remitinquire.asp

  488. How can I know if my BDO account has already received the money I sent from here ksa, I’ve registered online but I don’t know where to check the money I’ve sent. Please help thanks

  489. Hi ann, it depends on the remittance company your husband used. It can be within the hour, the same day, next day, up to 3 days.

  490. hi im dalma. I opened a bdo kabayan savings account. It’s been almost 1 year I haven’t deposited. Is my account already closed? I need your advice about my account. thanks

  491. hi how can I check my kabayan savings through online. I have not registered in pinas online. What’s another way to check my account? thanks

  492. Hi james, go to BDO with your IDs, proof of being OFW or foreign remittance receipt and open your Kabayan account. You can also open an atm-only savings account for your family, or they can open a Kabayan or an atm savings account with your remittance receipt. Enroll your account online. They also enroll theirs. Or you can enroll both if you own the 2 accounts. Activate your enrollment while here in the Phils. Activation is through a BDO atm machine. Then connect the 2 accounts. When you’re abroad, send to your own Kabayan, and then when already credited, transfer online some amount to your family’s account.

  493. Hi Roldan, I’m not sure. Was there a date for the conversion of the account? But most likely, it’s yes, your Kabayan account remains Kabayan if you remit before Dec 1. I say it because it did not say that you must remit at least 10k — the maintaining balance for a regular passbook account.

  494. How to apply for kabayan savings account?and how to send my money to my kabayan savings account and transfer money from my kabayan savings account to my family savings account thru internet online?tnx

  495. I received a computer generated letter dated October 31, 2014 that my OFW savings account shall be automatically converted into regular savings account.But it was written there that i can still reactivate it if i will make remittance not later than Dec 1, 2014. Do you mean that if I will make a remittance or any amount of deposits before December 1, 2014 I can still enjoy my OFW savings account benefit?And i can continue using it as OFW savings account?

  496. Hi ericha, did you change your atm PIN when you were in the Philippines? If yes, you can try making a balance inquiry at an atm machine with Mastercard logo. Balance inquiry charge is 1 US dollar. But there are times the Mastercard-BDO connection is off.

  497. Hi charry, go to your branch and ask for your remittance status. Tell them that you gave your sender the account no. written on your passbook, and ask them to correct the remittance because they were the ones who committed a mistake in writing 00 on your passbook. Bring your passbook, IDs and the remittance reference no.
    If BDO is not able to correct it, tell your sister to go to the remittance company where she sent the money and request to amend her remittance (she should bring her receipt and IDs). She can request to change her remittance from account deposit to cash pickup by you at BDO over the counter.

  498. How can we claim back what my sister deposited from abroad? She deposited to acct no written on my usd passbook. starts with 00. correct number and name. but when i checked online it starts with 10 and no remittance was entered to my account, which is a regular usd savings acct. thanks

  499. Hi ana, it depends on the remittance company that your husband used. Moneygram is fast but expensive. Check via your atm card today, but most likely, your money will be available tomorrow.

  500. Hi. How many hours shall pass before I can claim my remittance from my husband who works in jubail using BDO kabayan savings atm. Thanks

  501. My husband works in jubail, saudi arabia.. after he sent a his remittance to us, how many hours should we wait to claim money using BDO kabayan account?

  502. Hi Gerresa, do you mean apply for a Kabayan account online? Sorry you cannot apply for a Kabayan account online. You can visit these BDO remittance partners in Japan and ask if they’re offering Kabayan account opening. Many BDO partners abroad offer Kabayan account opening.

  503. Hi kimberly, yes, your boyfriend or you or anyone can deposit into his account over the counter at BDO. His aunt should send from abroad to his account at least once every 12 months so his account does not require a maintaining balance of 10k

  504. my boyfriend open kabayan savings acct. because his auntie abroad will send him money . but he is confused if he can also deposit with this acct. even he is not abroad and not evenly went abroad ? i know he can withdraw money from this acct. but can he also deposit to it as savings ?

  505. Good, just asking, I’m here now at uae. And I have kabayan saving account. I deposit already 3 months. I wonder how to sure that my money I secured at my account. I tried t to enrolled online. But im failed . I only have the receipt that I deposited money. And I’m planning to do withdrawal when I’m going back to philippine. Is there any problem of that after?

  506. Hi mam worried po ako so happened last august 2013 p foreign transaction ko … Pero mam may laman po bdo kbyan ko bukod sa maintaning na 50php … Before i remember my last foreign remittance date nkpagpdala aq this month lang u,it does it mean converted n sa regular bank account ang bdo kbyan ko po? Hoping for your response mam… Maraming salamat po…

  507. Hi miss nora, may I ask. I have a kabayan savings account. I applied last dec.5 2013 in the Philippines. I have not remitted to it since january 2014. Do i need to deposit 10k or can I deposit less than 10k. Can I still deposit? thank you

  508. Hi jeff, yes, you can open your own Kabayan account. Bring 2 valid IDs, 2 ID photos and a receipt of remittance from abroad.

  509. Good day Mam,my mother and sister sent money before through western union and m lhuiller and now they plan to send it through BDO Kabayan Account.They were not able to open an account before they leave and went to Italy.I just wanna ask if I am able to open account for Kabayan account since I’m the one who receive it for our family.What are the requirements for it?Thanks.

  510. Hi My daughters father which works in the US sends our remittance every 2 weeks for 8 years now he is sending it thru western union, can we transfer it to bdo,and second is are we qualified for a credit card already if we are receiving almost 28,000 a month. Pls reply, thank you very much.

  511. Hi Jho, there’s no BDO branch in Saudi, but he can apply for a Kabayan account at a BDO-partner bank there. The partner-bank will forward his application to BDO here, and after processing, BDO will send the passbook and atm to the partner-bank in Saudi. This means the Kabayan account is based here in the Phils. When he wants to remit to his account, he can remit in riyals or dollars — it will be the remittance bank that will convert his riyals or dollars to peso.
    You cannot open an account for him, but you can open your own Kabayan account. Bring 2 valid IDs, 1 id picture and 1 receipt of remittance from abroad.

  512. So he need to convert his salary first into peso before he can deposit it to his kabayan account? He hadn’t open yet a kabayan account, so the atm and passbook will be with him.

    Or can i open a kabayan account for him here in the phil?

  513. Hi Evelyn, have you seen an atm machine with mastercard logo? Is it inside a bank or infront of a bank? Inquire during longer banking hours. Before making an atm inquiry, ask the bank officer if in case your atm card is captured, can they can retrieve it immediately and give it back to you. Or you can email BDO if you can make balance inquiry through email. callcenter@bdo.com.ph

  514. Hi Jho, a BDO Kabayan account can be in peso or dollar only. If he opened a peso account, you can deposit that peso check.
    Is the passbook or atm card with you? If you have the atm card, then you can withdraw at a BDO atm machine. You cannot withdraw if you have the passbook only because he needs to sign the withdrawal slip.
    If you don’t have the passbook or the atm card, then you cannot withdraw. He can send you money via cash pickup at any BDO branch, not through his Kabayan account.

  515. Thank you Ms.Nora. Will the cheque in peso be converted in Riyadh currency? And if he remit to me using his kabayan account, how can i receive it? Thanks again.

  516. Hi Lesliejane, there’s no BDO branch in Saudi. Some banks there are BDO partners. Here’s a list: http://www.workingpinoy.com/2014/01/bdo-remittance-saudi-arabia/ With your iqama, you can bring your riyals or dollars and the bank will convert them to peso. You will fill up remittance forms. I think your Kabayan is still active. Use the account no. in the passbook. To be sure, ask your family to test the atm card. They make a balance inquiry at a BDO atm machine.

  517. Hi grace, do you mean your balance was the 50 or 100 pesos initial deposit? Or any amount less than 600 pesos? If yes, I think your account is already closed. Find a BDO remittance partner and ask if they are offering account opening. Write here where you are so I can post a link to a list of BDO partners there

  518. Ma’am I have kabayan account. I opened it in pinas. Can my family use it? Is it still active so I can remit to it? Or will I check its balance first because I haven’t remitted to it for 3 months? Where can I find a B.D.O here in Riyadh? Thanks

  519. Ma’am Nora I ask you something I’ve been 3 months in here Riyadh. where I can find the BDO bank in here, then how can I deposit by pesos?

  520. Hi jho, yes, you can deposit his check to his kabayan account. Ask for his account no. (the no. in the passbook). By the way, his account is Philippine-based, although he opened it in Riyadh.

  521. gud eve ms. nora. i would like to ask if my account which is more than a year with no remittance is still open other than the deposited amount upon opening it. if still open,what are the requirements? thanks a lot!

  522. Hi good day nora i have kabayan savings account opened in phils. This year my friend deposited to my acct in phils and im here in dubai. How can i inquire my balance, my atm has mastercard logo. Some of my friends told me I cannot withdraw because the machine might just capture my atm card. thanks

  523. Good am Ms. Nora. If my partner open a kabayan account at riyadh, can i deposit money here in the philippines to his account in riyadh? and its a cheque named to him. Thanks.

  524. Hi jade, you can open a Kabayan account in your name. Bring 2 valid IDs and at least 1 Western Union receipt (proof you’re receiving foreign remittance). Since he’s sending in dollars, if you like, you can open a US dollar Kabayan account. Bring at least 100 dollars for initial deposit. Suggest to your boyfriend to try XOOM. You can send him this link: http://goo.gl/OdNOMj so he can explore XOOM. I’ve been receiving my salary in dollars from my US employer via XOOM since 2010. If he has a Wells Fargo bank account, he can also send through Wells Fargo. These are cheaper than Western Union.

  525. hi good evening ma’am nora. my boyfriend and I plan to open a kabayan account. he’s in california and i plan to open an account for us; is that possible? it’s been a long time he’s sending money through western union. What requirements should I bring? thank you in advance.

  526. Hi Charlene, if you entered your own PIN before in the Phils and if your atm card has a Mastercard logo, then you can try withdrawing at a Mastercard-linked atm machine there. The charge might be 3.50 US dollars. If you’re remitting using a BDO remittance partner, you can use the BDO Remit Inquiry at bdo.com.ph to check your remittance.

  527. Hi ms.nora..i applied for kabayan savings in phil..and deposit money also…i never checkor try my atm here at UAE..can i wthdraw it here in dubai….because i deposited also money in my account through remittnce center but not checking it now in my at.

  528. Hi frances, your account is active even if your atm card was not activated, as long as you made at least 1 foreign remittance every 12 months; or if you failed to remit every 12 months, as long as your balance is 10k pesos or more. Yes, you need to enroll in online banking before you can activate mobile banking. Try registering online while there in Saudi: http://www.banksphilippines.com/2012/03/can-i-enroll-in-bdo-internet-banking.html About your most recent remittance, try using BDO Remit Status Inquiry

  529. Hi ms. Nora
    I saw some threads about BDO kabayan, But I have no time to browse it one by one. anyway I also have a BDO kabayan account, I already deposited money to that account but unfortunately I found out that I can not access my card here in Jeddah, KSA. I saw some comments that maybe its not activated like that. Can I still deposit money to my BDO kabayan savings account even it’s not yet activated? I have the passbook and ATM card here in jeddah, k.s.a How can i enrol thru mobile banking if there no jeddah, k.s.a in the place for outside enrolment? How can I know if im receiving all the remittance? Thanks alot! more power

  530. Hi kathlyn, there’s no BDO atm machine in Tainan. Does your atm card have a Mastercard logo? Find an atm machine with Mastercard logo. Withdrawal charge is usually equivalent to 3.5 US dollars.

  531. where in tainan is a bdo atm machine? is there a charge for withdrawal? how much is the charge?

  532. Hi there! I need help please I’m tying to enroll my kabayan savings online but just wondering I’ve got 10 digits account number only and they’re asking for 12 digits..wasn’t able to register online did it many times already..:(

  533. Hi Vanny, you remitted to a bank account, so I still think that you have a valid claim from Western Union in case they released your money to a person. I hope you’ve finally connected with BDO.

  534. I’m trying call the free toll to inquire but I can’t reach them, I’m in US and I really have no idea how to check my balance. I already enroll online banking so I could use their apps but until now still pending. I put the correct bank account number but still my tracking number said it was pick up at an agent. I could not refund the money if somebody took it. I’m so screw with this…

  535. Hi Maricel, yes, you can give it to the person/s that you trust. As you of course know, they can withdraw all that you remit to your account. If you still have time here in the Phils, you can also get a cash card. Register your Kabayan account in online banking, validate your registration through a BDO atm machine, then register your cash card to your online banking account, and validate it again at a BDO atm machine. While abroad, you can send to your Kabayan account (with remittance fee), and then transfer some money from your Kabayan to your family’s cash card anytime online (free online transfer). This way, you can save money every month.

  536. Hi Vanny, indeed the response is confusing. There should be a “was sent to your designated bank account” option. Anyway, you sent to a bank account, so it cannot be released to a person. I think it’s required that you first enroll in BDO online banking before you can enroll and use smartphone banking. I think it’s worth waiting out the process of registering in online banking as you’re there abroad. Meanwhile, you can call BDO again, or ask if BDO allows balance inquiry here: BDO Contact Page, or call Western Union about their tracking response.

  537. Thanks Nora for your fast response, I checked today my tracking number in western it said in there “This money’s been picked up at an agent location.” I’m confused with thats, is that mean it was deposited on my account kabayan saving account? Or somebody picked up the money? Coz that account is my personal nobody knows about it, until now I’m checking my account on BDO apps in my smartphone but until now it’s still pending. I have no idea if the money went through my account or what… What else can I possible do with this?

  538. Hi Vanny, based on their rule of at least 1 foreign remittance every 12 months, your Kabayan should still be Kabayan, a zero-maintaining-balance account. If you remitted the equivalent of at least 10k pesos, it’s better so that in case your account will be converted to a regular passbook account, which has a 10k-peso maintaining balance requirement, then your account is safe from below-MADB penalty. In case your account is closed, you can amend your remittance at the Western branch you used to “For cash pickup at BDO by your beneficiary” or you can refund from Western. You can use the Western Union tracking system and the BDO Remit Inquiry system on their respective websites.

  539. Hi nishina, you’re correct in your plan of sending to your account no. (written in the passbook). You use the atm card to check your balance or to withdraw your money through the atm machine. You use your passbook to record your remittances and withdrawals, so you will know how much you are saving or spending. But your transactions will be printed in your passbook only if you go to your branch and present your passbook for updating; maybe every 3 months or more. If you don’t go, your passbook will have no entries. Remit from abroad to your Kabayan at least once in 12 months so it will remain a zero-maintaining-balance account.

  540. THANKS Ms. Nora for the info .. that’s lot of help for me .. and can i ask if i can use my kabayan savings to Shop online since it’s Debit Card (Mastercard) mention it.or i should apply for Credit cards? or can i apply a smart money card in BDO ? thanks again Ms. Nora .

  541. Hi there, I opened an account of BDO kabayan savings a day before I Left Philippines, that was October 16, 2013. For some reasons wasn’t able to make any transaction on that account and now it has been 11months. I tried to contact BDO thru phone/email but I can’t reach either of the two, so I decided to make a transaction thru western union today without knowing if my account still active. I tried to checked it online but I need to enroll and need verification that could take like days or weeks so I just decided to do transaction and the western said still in process. Any idea if my account still open? Or will they give me a refund if ever my account not existing anymore? PS: I only have the passbook wasn’t able to get the ATM. Thanks

  542. gud pm mam. I applied for a kabayan peso savings account. please explain use of passbook and atm. If I send my remittance to the bank account (passbook), what’s the use of the atm?thanks

  543. Hi tony, was your original balance $100? If you never made any withdrawal, the missing $47 could have been deductions for below-MADB penalties. The penalty for below-MADB is $5 per month. Kabayan is a zero-maintaining-balance account but if you did not remit from abroad to this account at least once in 12 months, it was converted to a regular account requiring a $500 maintaining balance. The requirement is at least 1 remittance from your, from ABROAD within 12 months.
    What to do now? You can either deposit or remit $500 or more to the account, or withdraw your $53 to close your account.

  544. good evening Mam Nora, about my bdo kabayan dollar savings account. when i checked my balance via atm, my balance has decreased to only $53. who should be sending? me or my parents. my first time aboard a ship

  545. Hi Jayr, if you’re sure you don’t need the life plan or can’t pay it regularly, I think it’s best if you don’t remit yet to your Kabayan account until you’re sure they have cancelled your agreement. Do you have a copy of your agreement? Is there a contact info there so you can email a cancellation letter. You should get an emailed response approving your cancellation request, otherwise they will deduct once you deposit money to your account. And you should email BDO first to inquire if indeed the agreement has been cancelled.

  546. hi Ms. Nora
    my account is only 4 months so it is active, I dd not pay the down payment and the monthly dues of my life plan because we agreed that ill send my payment thru my account. and for financial reason I want to cancel my life plan, what should I do to cancel my contract?
    thank you..

  547. hi im wondering how long will it take for the money to be credit to my kabayan savings account. my employer from australia transferred the money to my account last thursday. and i checked earlier and it has not reflected to my account

  548. Hi lhex, sorry, what I know is that since it’s your husband’s account, it should be your husband with his IDs to go to his branch to replace his lost atm card.

  549. hi Ms.nora,
    I lost my husband atm remittnace BDO card,pede ko po ba un pa replace sa pnkamlpit n BDO bank ano po needed ko requirements.at ano po dapt ko gawen last nyt lng po nwala.

  550. Hi Aces, bring a receipt of remittance from abroad, or if you’re OFW, your OEC or work visa or job contract or foreign ID. Bring 2 valid IDs and 2 ID photos.

  551. Hi, meron po kc aq kabayan savings pero hndi ko pa nhuhulugan mula nung dec nung mg open aq ng kbyan bgo aq umalis ng pinas. Plano ko po sana mag hulog ngaun month. Active pa po ba ang kabayan account ko?kc dec 2013 until now hndi pa nhuhulugan. Thanks po

  552. Hi joh, Megalink is a Philippine-based network. Sad to say, Taiwan is not yet listed in the Asian Payment Network in which Megalink is a member, so you might not be able to withdraw from Megalink in Taiwan. Ask others too

  553. hi, what if my card has only megalinks logo (personal account and salary account from my previous work in sm dept store) … what bank can i withdraw my savings here in taiwan ?

  554. Hi Jayr, when did you open your Kabayan account? If 14 months have passed, and your balance is less than 300 pesos, most likely your account is already closed. I think the automated debit is still active. Did you pay a downpayment for this life plan? Did you sign a contract? Late payments have penalties and interests. Do you like to continue paying this life plan? You can make your inquiry here: BDO contact page

  555. Hi Ms Nora I am a ofw from KSA, before i go here i open an account at BDO wihich is Kabayan Savings, someone in the bank has offered me a life plan,to make story short I signed it and the payment mode is thru automated debit from my account, unfortunately i was not able to deposit my remittance since i came here. is there a possibility that the automated debit is already cancelled? and my account is still active? because i want send my remittance to my account. Thank You!

  556. Hi darriel, yes, you’re right, the no. below or above your name in your passbook is your account no., and you use that when sending money to your account. If you use your Kabayan account for saving, and there’ll be no withdrawals for a longer time, yes, you can. If you’ll remit frequently from Saudi to your Kabayan and save, then you’ll have no problem about account conversion, since only 1 remittance every 12 months from Saudi is needed to maintain your Kabayan.

  557. Hello Ms. Nora . User ako ng BDO Kabayan Savings and nsa Saudi Arabia ako .. Yung Account Number po ba na nasa Passbook yung gagawing Remitter ?? and then , may na mention kayo sa ibang comments na ” At least 1 remittance a year ” . Do my Account will change to a regular account if i just use it to save my money until i get in the phillipines ? can you help me about the issues .. thanks ..

  558. Hi, Ms. Nora. Can I deposit to my BDO Kabayan Savings Account in the Philippines even if I’m here in Saudi Arabia? Thanks. More power and God bless.

  559. Hi Eleanor, if your atm card has a Mastercard logo, try making a balance inquiry (US$1 charge) at an atm machine there with Mastercard logo. If okay, then you can try withdrawing (US3.50 charge). There are times though that the BDO-Mastercard connection is off.

  560. Hi mark, yes, you can use your Kabayan account for your savings. You can deposit to it over the counter. Use the account no. (in the passbook) for deposit. In the future, when your Kabayan is no longer used as a remittance account, remember to maintain the 10k maintaining balance.

  561. Hi! my mother sends me money from abroad, can i use this “kabayan savings account” for deposit pusposes(ipon). i mean, can i deposit my personal money in this atm card?

  562. Hi alexa, thanks for sharing info. I’m glad you’re adept at online banking. You must have something in you that prompted the BDO officer to issue you a Kabayan with a Mastercard that can be used online, as based on comments we’re getting on our blogs, some are getting Kabayan with a yellow debit card (no mastercard logo) or an atm card with Mastercard logo but cannot be used online. Thanks a lot again 🙂

  563. Hello guys,,Can I apply in Al-rajhi bank,,I want to apply a BDO kabayan savings??im here in riyadh.

  564. Hi ms. Nora, currently I am here in Riyadh, Saudi Arabia. Before I left the Philippines last June 2014 I opened a Kabayan Savings account. I brought with me my passbook and atm. The problem is, I wasn’t able to enroll it to online banking before I left, now, I want to deposit but then I am hesitant to do so since I will not be able to check if the money I deposited already entered in my account. What will I do? Can I still deposit money on it without updating the passbook? How will I know if the money I deposited already in? Is there any limit on the amount of money you can deposit? Please help me with this matters. Thank you.

  565. Good Day Miss Nora

    sorry for late reply, i open my kabayan account (mastercard atm card) last May of this year at philippines, i only remit to my kabayan account, after remittance i always transfer it to my bdo savings account thru online banking, if i want to purchase something, i just transfer fund from my savings to my kabayan account. i didn’t try yet to other online stores, like amazon if it will accept. 🙂 but on online store here at saudi, i am able to use it twice already. 🙂

  566. Hi alexa, that’s great. I believe you when you say you were able to use your Kabayan to purchase online. But I’m puzzled because even BDO officers say we can’t use Kabayan for online purchases. And many have commented here they aren’t able to use Kabayan for online purchases. Is your Kabayan new? Did you open it here in the Phils or there abroad? is your average daily balance more than 50k or 100k?

  567. Good Day Ms. Nora

    Thanks. actually it is already credited to my account just this morning. 🙂
    yeah i really did purchase using it. it seems like my kabayan account with mastercard is a prepaid credit card. lol. 🙂

    anyways thanks again.

  568. Hi alexa, if souq.com was able to get money from your Kabayan through Mastercard, then it should be able to return the money to your Kabayan through Mastercard. I’m really puzzled that you were able to use Kabayan for your online purchase. You can also call BDO.

  569. Hi yari, your sister can only make a balance inquiry through her cellphone if her phone is a smartphone and if it’s Internet-connected and if she has registered her BDO account with BDO online system when she was here in the Phils. If you like, you can ask your sister to talk with her employer so she can ask her employer to give her part of her salary and deposit the rest to your Kabayan account.

  570. Hi Ms Nora,

    Tanong ko lang po kung anung magandang paraan para ma verify ko yung Paypal ko po, ayaw ko sa EON kasi po pang verify lang naman tapos yung kabayan account ko yung ililinked ko sa paypal once ma withdraw ako,dba pwde po yun?eon kc ay annual fee yun eh..verify lng need ko po kasi nabasa ko dito na pwede din PAYPAL to KABAYAN SAVING ACCOUNT mag withdraw or transfer ng money!Sana may ibang way at ma guide nyo po ako! Salamat po ng marami..

    Mike

  571. good day miss nora

    adding to that, up to this momment, it is not yet credited to my account. 🙁

    thanks again

  572. good day miss nora

    yes, i have used it successfully last time buying on (souq.com). and just last week i purchased again, and it went succesfull. but after 3 days, the online shop cancell my order and refunded the amount of the item. i also inquire to their support that it will take 3-5 days to credit it to the bank. so, is that possible that they can credit that to my kabayan account?

    thanks

  573. gud pm,,

    ask ko lng sb nya un amo nya n lng pupunta sa banko nya para i deposit ang sweldo nya..pwd ba xa mg balance inquiry sa celphone or online lng since hindi xa nkakalabas ng bhay.salamat po

  574. gud pm,,
    un sister ko po pinag open cla ng agency ng bdo kayan account tpos my pasbuk at atm cla..dinala nya un ng umalis xa at pinag open nya acount d2 sa pinas kabayan din po…
    ang tanung ko lng pareho kmi my pasbuk at atm,,pnu nya aq padadalhan po ng remittance..mgkaiba kmi ng acount eh..
    tsk po ask ko lng sb nya un amo nya n lng pupunta sa banko nya para i deposit ang sweldo nya..pwd ba xa mg balance inquiry sa celphone lng since hindi xa nkakalabas ng bhay?..salamat po

  575. Hi alexa, have you used successfully your Kabayan account before? Because I know that Kabayan account can’t be used to purchase online. Make a balance inquiry at an atm machine there with a Mastercard logo to check your balance.

  576. Good Day Miss Nora

    i have bdo kabayan account (mastercard) i use it on online buying.
    how will my payment be returned or refunded.?

    thanks

  577. Hi melbs, yes, your Kabayan account can accept over-the-counter deposits in the Phils or online transfer (if enrolled by your partner in her BDO account). But you need to remit to your Kabayan from abroad at least once a year to comply with their Kabayan requirement.

  578. Hello! Ma’am Nora.
    mgjoin ako sa isang business partner po ng business na eto ang BDO pg andyan k sa pinas ibigay nila BDO Cash card,pg pang abroad nman china trust ATM card po,ayaw q kumuha bago account pwidi bang eto kabayan account q gamitin ko papasok nman po kaya ang kita ko kung sakali? Many thanks!!

  579. hi good day just want to ask im here in Saudi pero kelangan q ienroll ang account ko pwede q ba ienroll using the sabb or any bank here?

  580. Hi anne, does your atm card have a Mastercard logo? Find an atm machine with Mastercard or Maestro logo and try making a balance inquiry. Balance inquiry fee is 1 US dollar; withdrawal fee is 3.5 US dollars. Sometimes though, the Mastercard-BDO link does not work.

  581. Mam..just want to ask im currently in taiwan and i need to withdraw on my kabayan savings account..can i withdraw it here in taiwan?

  582. Hi ailyn, yes, if you’re sure your account is active, you can remit to your account through a BDO remittance partner.

  583. Hi nora im here in saudi my passport and my atm with me..there’s no problem I can deposite my accnt here?

  584. Hi Arjulie, it’s only you who can have your passbook replaced, and it should be at your BDO branch. You can still deposit into your account, if you still have your atm card, but I think there’s a risk that somebody might be able to withdraw using your passbook (if they can duplicate your signature). Does your Kabayan has a balance? You need to report the loss to BDO if there’s a big balance. https://www.bdo.com.ph/contact-us or call 631-8000
    You can send money to your family through a BDO remittance partner there for Cash Pickup at any BDO branch here (no need for BDO account). Or you can ask your family to open their own BDO account so you can send to their account.

  585. Hi Nora, whats the best thing to do if I lost my BDO kabayan passbook? and how can I send money in the Philippines since I lost my passbook?

  586. Hi Mari,sorry you cannot enter your new PIN there in Riyadh because PIN change can be done only at a BDO atm.

  587. hi admin. hindi ko po kasi navalidate ung kabayan savings account by entering new pin noong nasa pinas pa po ako. is it possible i could validate it here in riyadh?

  588. Hi chona, yes, tell the BDO officer you want to open a Kabayan account and 1 or 2 cash card accounts. Bring your OEC or any proof you’re going/working abroad plus 2 valid IDs and 1 ID photo. Then enroll your Kabayan in BDO online banking, before you go abroad, because you validate your online enrollment at a BDO atm machine here. After validation, enroll your cash card accounts into your Kabayan online account, and validate again at a BDO machine here. While abroad, you can send money to your Kabayan (with remittance fee), and then transfer money from your Kabayan to your cash card accounts online (for free). This way, you can control your money. Cash card can contain only up to 10k (instant) or up to 25k (you go back after some days to get the card)

  589. hi po…ask ko lng po if paalis p lng po aq pnta ng abroad..gsto ko po sna mg open ccount pra s akn at pra po s fmily ko po…ung mging dlwa po ung atm card kht aq lng po ung ng open…anu po nid n gwin ko at sbihin s teller at ung mga requirements po na i provide ko po..

  590. Hi gizelle, your remittance should already be in your account today. Yes, if remittance is sent through banks, holidays and weekends matter.

  591. hi good evening po,mam. tanong ko lang po,last tuesday, june 10,2014 nag send ng pera ang asawa ko from korea,korean bank exchange bangko nya,at kabayan savings account nman po ang sa akin,ang sabi sa korea ay na transfer na ang pera last wed.pa,bkit po ba kya hangang ngayon e wala pa?bale 5 days na po.tama po ba,na excluded ang public holiday dhil nag independence day last thursday? o yun pong sat.and sun.at hindi counted dun sa 3 days?di po kc ako mkpunta sa bdo dhil sunday ngayon.pls sana mtulungan nyo po ako.thanks!

  592. Hi marie, speed of remittance depends on the remittance company used. If wire transfer and other remittance firms, wait for Monday or up to Wed. Enroll your account in online banking, so you can check your account at home.

  593. Hi maylyn, was this atm card given to you when you opened your Kabayan? If yes, this atm card and your passbook have the same account no. This account no. is printed on the first page of your passbook, near your name. The no. on your atm card is not an account no.; it is a card no. If your remittance is not deposited to your Kabayan, you must go back to where you sent your money, and amend your remittance and change — send to your account no. (the no. in your passbook).

  594. hi ask ko lng po kung makukuha q po ba agad yong pera padala skin galing abroad kahit na saturday na sya ipadala automatic po ba nsa account agad yon? at mawiwithdraw kahit sarado yong bdo pg weekends o mg aantay pa po ng monday bago ma i process ng bangko. thanks god bless

  595. Sir @ ma’am ask k lng po kng my bdi kabayan savings acc ung atm b at passbook ay magkaiba ng acc?kc ung atm lng po ang nlagyan k ung passbook hnd pa po

  596. hi,,ask ko lng po,first time q po dto sa al khobar, 1 month pa lng po aq, mag ppadala sana aq ng pera sa pinas,pwedi q ba gamitin yung bdo kabayan savings? ano po ba trequirments sa pag ddeposit?

  597. Hi james, yes. Bring at least 1 receipt of recent remittance from abroad (any remittance firm) to prove you’re receiving foreign remittances.

  598. Hi Miss Nora, pwede po bang kumuha Ng Kabayan Remittance account dito Sa pilipinas Para makatanggap po ako Ng perang manggaling Sa mga kapatid ko saling ibang bansa? Salamat po.

  599. Hi Luis, $30? That’s too much. That’s about 1,300 pesos. The remittance fee you paid there in Singapore should have been enough. But if there should be additional charge by BDO here (if the remitter does not share its fee with BDO), it should just be around 200 to 300 pesos. Email BDO callcenter@bdo.com.ph and ask why your remittance was charged $30. Include details, including remittance amount, remittance fee paid in Singapore, name of remitter, and date of remittance. I hope you have time to update us here later on.

  600. Hi Ms Nora
    Talaga po ba may charge and BDO once magremmit ang OFW sa kabayan dollars acount galing iba bansa?nagpadala po ako last week lang May 30,2014,$30 nabawas sa padala ko.ganun po ba tlaga kalaki charges?thanks

  601. Hi Rose, yes, you can deposit because the name on the check and the name of the account are the same. Don’t ask the teller whether it’s ok or not anymore. Just fill up the check deposit slip and then present together with the check. And don’t go to the same teller who rejected you. Deposit before noon.
    I think the only reason they can’t accept the check is if your husband’s Kabayan has a note that he presented only 1 ID when he opened the account, and therefore, the account is tagged for remittance or cash deposit only.

  602. Gud am, ask qo kng pwd ihulog ung cheke ng asawa ko na ngaun ay nsa abudabhi, sa kbayan acct. Nya.. Pg mg col aq sa hotline ok dw po.. Pero pg pnta q ng branch ndi dw pwd? Nkapangalan nman ung cheke sa asawa ko.

  603. Hi Anna, hindi niya magagamit sa online shopping ang account mo. Sa online, hahanapin ang expiry date at 3-digit CVC o security code (walang ganito ang Kabayan). Para hindi ka mag-worry, try using your Kabayan to buy online, or try it for booking at Cebu Pacific or PAL, para ma-prove mo by yourself.

  604. Hi Anna, Kabayan cannot be used for online shopping (it does not have an expiry date and a CVC code). If you did not change your atm PIN in the Phils, then you cannot use your atm to make balance inquiry or withdraw. For online shopping, get a BPI EPrepaid Mastercard, or a UnionBank Visa debit card when you come home.

  605. To be honest po ms.nora may naka alam ng card number ko at full name ko sa card.baka po kce gamitin nya via online shopping ang kabayan savings card ko.ano po ba mapapayo nyo ms.nora?salamat po