BDO Deposit Accounts — Baka Maubos Imbes na Lumago

Updated May 6, 2014

Monitor your BDO savings and checking accounts, and all your other bank accounts, and make sure:

  • your accounts do not fall below the maintaining balance
  • you do at least one deposit or withdrawal within one year for checking accounts, and within two years for savings accounts.  This is to avoid dormancy charges.

Dormant accounts below the maintaining balance will be charged 300 pesos for every month starting from dormancy until it is reactivated. Pag hindi ma-reactivate, tuloy-tuloy ang 300-peso monthly charging hanggang maubos ang account balance at ma-close na ang account.

To reactivate your dormant account, you need to present yourself at your branch with your valid IDs.

Accounts falling below maintaining balance for two consecutive months will be charged 300 pesos on the last day of the second month.


If on the 3rd month, the account is still below the maintaining balance, another 300 pesos will be deducted. The charging of 300 pesos will continue every end of the succeeding months until the account balance is wiped out, or until the account is restored to the maintaining-balance level.

Maintaining balance requirements for these BDO accounts:

ATM peso savings — 2,000 pesos

Passbook peso savings — 10,000 pesos

Kabayan peso or dollar account — None


(But you need to make at least 1 remittance from abroad every 12 months.


If your account does not get 1 remittance from abroad within 12 months,


your account is automatically converted into a regular passbook account,


which requires a maintaining balance of 10,000 pesos).

Junior Savers — 100 pesos

Power Teens Club — 2,000 pesos

Prime Savers — 2,000 pesos

Optimum Savings (Personal) — 30,000 pesos

Direct Deposit Peso Savings — None

Peso checking — 5,000 pesos

Smart Checking (Personal) — 15,000 pesos

Checking Account with Automatic Transfer Facility — 25,000 pesos


(Below-maintaining-balance penalty for this account is 500 pesos)

US Dollar Savings — 500 US dollars

Prime Savers Dollar — 200 US dollars

Direct Deposit Dollar Savings — None

For above US dollar accounts, below-maintaining balance penalty is 5 US dollars.


Related Articles:

BPI, BDO, or Metrobank Fees — Why Keep Paying Them?

Ano ang Maintaining Balance? o Minimum Monthly Average Daily Balance?


Add a Comment
  1. hi Rachel, it’s likely that the account has been dormant since 3 years ago. The owner should reactivate the account in person with 2 valid IDs at the branch. Since he’s in Australia, he should email BDO and ask how he can reactivate his account from Australia. Where is he in Australia? He can check this list of BDO remittance partners, and see if he’s near one of them, and mention in his email if he can reactivate his account by appearing in person at the nearest remittance partner in Australia.

  2. just wanna ask, I was charged 300 for falling below the maintaining balance. But even if I’m no longer below the maintaining balance, I’m still being charged 300. i cant go to my bank because I’m here in canada. Can someone enlighten me or let me know how to get in touch with them even if im abroad.

  3. Hi kristine, is this a BDO passbook account? The maintaining balance requirement now is 10k pesos. The increase took effect May 2014. You can call toll-free 011-800-8-631-8000 (Teleglobe) or email

  4. hi I’m Sally from Numancia, Aklan but currently here in Roxas, Mindoro. i just wanna ask if it is possible to apply a debit card with visa logo through online. If possible, what are the requirements and how to process it. Thank you. Sally

  5. may i Ask regarding our dollar account together with my husband. It has been 2yrs without deposit or withdrawal so it’s already dormant, according to BDO. What should we do to reactivate it, as I’m the only one here and my husband is abroad. After reactivation, can i withdraw the money or can i deposit again? Can I deposit a check under my husband’s name?
    Thank you and hoping for your response.

  6. Hi Sally, sorry you cannot apply online for your debit card. You must go to a BDO branch with your IDs and 1 ID picture.

  7. Hi whindycallelero, is your account a joint account and is it an “AND/OR” account? I think you can reactivate it with your 2 valid IDs. If they require your husband to be present, ask another way by which you can reactivate your account while your husband is abroad. Can he appear at one of BDO remittance partners abroad? Or can he mail a scan of his IDs from abroad to your BDO branch?
    About his check: Is that a peso check? If yes, then you cannot deposit it to your dollar account. He can open a Kabayan peso account at a BDO remittance partner abroad so you can deposit his check to that account.

  8. Hi..can I ask something about my husband’s bdo account?it was left dormant for 5 years now.and I’m pretty sure the money in it is already gone since the last transaction left it below maintaining balance,.he is abroad now.and will not be able to appear personally.can I act on his behalf to reactivate it?we need to have a joint account and I’m wondering if its still possible to have it reactivated and make it a joint account.

  9. Hi darl, you’re right, most likely your husband’s account is already closed. And even if it’s active, it cannot be converted into a joint account. You need to both appear at the bank to open your joint account. You must have a valid reason why it needs to be a joint account, but you can open your own account here in the Phils and he can also open his own account at a BDO remittance partner abroad and enroll both your accounts in online banking.

  10. Hello. this week I sent my usual monthly remittance to my mother-in-law to her BDO savings account via my bank here in Canada. My remittance bounced back to my account because of “closed acct”. My mother-in-law might have withdrawn over the maintaining balance in September, but she was not notified that her acoount is now closed. is there a way to re-open it in cases like this? If so, can you please walk us through w/ the best way to deal with this issue. Thanks

  11. Hi Nelda, if your mom-in-law has 2 valid IDs, she can open her own BDO Kabayan account (plus 2 ID photos and a receipt of remittance from you). If you send to this Kabayan account at least once in 12 months, this account does not require a maintaining balance. If you’re near a BDO remittance partner there, you can ask if they’re offering a BDO Remit cash card so you can apply for it and then have it sent to your mom-in-law. This is a cash card so it doesn’t require a maintaining balance, but there must be at least 1 transaction every 12 months, so it doesn’t get closed. It can contain up to 100k pesos. BDO remittance partners in Canada

  12. Hi, I would just like to know if I can use my bdo debit card for Lazada Shopping online? my debit card has no master card or visa logo. thanks

  13. Hi jay, sorry, no, your card must have Mastercard or Visa logo. You can go to your branch and request for a card with Mastercard logo.

  14. Hello Ms Nora I had a BDO Savings Account ATM only. My account was left with 500pesos last june with a minimum balance of 2k, It’s already November and my account is probably closed, Would it reactive if I just withdraw some money like 5k to it? what will happen to my 5k if it won’t reactive if i withdraw? my atm was very active from february to may this year, it just happened i had some troubles and i accidentally left the card from june till november this year.. can i still reactive it by withdrawing? i don’t mind at all if it tries to get those 300 months penalty that it failed to get because it was like 0 balance for 3 or 4 months , i just want to know if it will reactive simply by withdrawing.

  15. Hi Xinyuiyin, your atm account is most likely closed, so you can no longer deposit or withdraw. You can open a new atm savings account. If you’re abroad, find a BDO remittance partner that offers opening for BDO Remit card or Kabayan account.

  16. Hi im just wondering i deposited money in my passbook and that makes my saving at around 11k. I wascharged of 300 pesos since July every month. After i deposited last month i was shocked when i found out i was charged again of 300.based on record the deduction happened same day i deposted the money. How is hat happen? I already put above minimum and yet i was still charged.

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