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  1. 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.

  2. 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

  3. 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..

  4. 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.

  5. 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!

  6. 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.

  7. 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.

  8. 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

  9. 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.

  10. 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..

  11. 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.

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

  13. 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?

  14. 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.

  15. 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.

  16. 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?

  17. 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.

  18. 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

  19. 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

  20. 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

  21. 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.

  22. 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

  23. 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.

  24. 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?

  25. 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?

  26. 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.

  27. 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?

  28. 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…

  29. 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.

  30. 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.

  31. 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

  32. 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

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

  34. 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.

  35. 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.

  36. 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.

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

  38. 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?

  39. 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.

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