BDO Deposit Accounts — Baka Maubos Imbes na Lumago

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  1. Hi Ann, you should call BDO, pero dahil baka expensive, write your inquiry here: BDO Contact Page. Ask them why your deposit is short by around 300 riyals. Masyadong malaki yan. Isa pang reason is the exchange rate. Sa aking personal experience from dollar deposits to my own BDO account, mas mabuti na diyan na sa abroad ang conversion kasi usually mas mataas ang conversion rate diyan. So the next time you send, send na in peso, huwag riyals. Ang baba ng conversion rate ng BDO for foreign currencies being deposited to a BDO account. Another possible reason: Is your account still Kabayan? Have you always sent to your account from abroad at least once within 12 months?

  2. It’s a new account po. But i started na hulugan sya after 7 months nung inopen ko po. Riyals po ung hinuhulog ko at pinapaconvert ko po into peso. The only problem is kapag nag balance inquiry na po ako dito in Riyals po sya at nagbabawas po. For example 5000 riyals po padala ko so convert po nila in peso yun maam. And then pag ibalance inquiry ko na ang lalabas is 4933 something like this po maam.

  3. Hi Ann, naisip ko rin nga yan previously — yong conversion of your peso balance into riyals whenever you make an atm balance inquiry. In effect, kung magba-balance inquiry ka, parang bibili ka ng riyals, na kung ang riyal to peso is 1 riyal = 11.81, pag bibili ka ng riyal you need 13.31 pesos to buy 1 riyal. Kaya mas mababa yong balance na nakikita mo, na in reality, your actual balance in pesos is correct. I hope it is so. So it’s wise din not to withdraw there from your account. Dapat dito sa Philippines. And it’s good that you’re sending in pesos.
    When you can access a landline, call BDO toll free from KSA: 800-863-0011. I hope you can comment again if you’ll be able to contact BDO.

  4. Hi…i have a question regardless my atm account….almost one month d ko cya nahulugan…her aq ngaun germany…bali pina mastercard ko sana sa maynila.kaso sa cebu ako ngpagawa atm..sabi sa bdi maynila.pwede hulugan lng…sa philippines mg withdraw…it is ok f one month d nahulugan pero by this month hulugan ko..
    Activate pa rin ba un?thank you

  5. Hi Charon, is this BDO Kabayan? If yes, active pa ang account mo, at puede mong hulugan from Germany. If your atm card has no Mastercard logo, you cannot make a balance inquiry there in Germany. Please comment again if your account is not Kabayan, and tell me if it’s atm-only or it’s passbook with atm.

  6. Ms.nora parang di nyo po nasagot ung tanong ko nung nkaraan…tinatanong ko po kung pwede po ba na ung fiancee ko na mghulog sa bdo kabayan ko..andito po kami pareho sa uae..pero uuwi na po kasi ako ng pilipinas di na ako bblik

  7. Hi Mrs Nora. Ask ko lang po. May bdo online account po ako, hindi ko po makita yung balance, dahil inactive daw po. September po yung last transaction ko and nasa P500 na lang po yung balance at that time. The required maintaining balance is P10K. Kahapon, nagremit po ako from UAE. Then nagcheck po ako ng balance, inactive pa rin daw po samantalang successfully transferred naman ng remittance center.

  8. Hi po. Does this rules still applies until now? I have Debit Card Mastercard ng BDO, yung with maintaining balance of 2k. Ask ko lang if iwithdraw ko for emergency purposes eh di ako machachargean.

  9. Hi mark, yes, the maintaining-balance rule still applies. If your average daily balance for 2 consecutive months is below 2k, you will be charged 300 pesos on the last business day of the second month.

  10. Hi Bryan, you said that your maintaining balance is 10k. Do you mean converted to regular account na yong Kabayan mo? O dati na talaga na regular account ang account mo? Kasi if it’s a regular account and the balance in Sep was around 500, your account is already most likely closed. Since you have sent money, you need to call BDO from UAE 800-0630-0021. This is toll free if you call from a landline. Or if you want, try mo muna mag-inquire dito if your account is still active kung sasagot sila about this particular matter via this page: https://www.bdo.com.ph/contact-us

  11. Pwde ko po ba ma withdraw ung kabayan savings acount ko na naging regular passbok. My maintaining balance daw po ito na 10k. Pwd ko po ma withdraw lahat ng remaining balance nun.? My charge po b?

  12. Hi marksam, yes, if you’re not able to maintain the 10k requirement, widrohin mo na lang lahat yong balance mo para hindi makuha ng penalties at para ma-automatically closed na. If you withdraw from a BDO atm or over the counter, walang charge.

  13. Hello po! Ask ko lang 2months ang account ko zero balance ikatlong buwan naghulog ako ng amount 13k pesos ang tanong po bakit deactivate ang aking account dahil di ko pa rin mainquire sa online samantala before 5months nainquire ko ito tru online. Tanong ko lang po paano if deactivate nila account ko paano na deposit ko dito sa abroad 13k pesos di ba un papasok sa account ko mismo para ma-activate nila it account ko ano possible kong gawin para di masayang ang 13k ko pagkauwi ko ng pinas at makkuha ko ito?salamat!

  14. Hello Miss Nors.

    Gusto ko po sanang itanong kung ano po ang better na account iopen. Plano ko po sanang magopen ng BDO ATM Passbook Saving Account. Plano ko rin po magpunta abroad.. Magagamit ko po ba ang savings account ko po doon?..
    ATM Debit card po ba ang better na iopen?.. Kung ATM Debit card po..paanong paraan ko po siya lalagyan ng pera?..
    Paumanhin po first ko po kasi mag open nang account at maganda ang reviews ng BDO.
    Sana po matulungan niyo po ako. Nalilito po kasi ako.
    Thank you po. God bless Miss Nors. 🙂

  15. Hi Cyril, yes, go ahead and open your atm account. Hindi kelangan na every month ay meron kang deposit. Ang kelangan is do not withdraw your 2k. Kelangang merong at least 2k every day sa account mo para walang worry of penalties. Puedeng lower than 2k in some days, pero dapat malaki ang balances in other days para ma-cover yong pagkukulang in those days na lower than 2k.

  16. Hi po tanung ko lang po magagamit ko pa po ba yung savings ko kahit mag iisang taon ng di nahuhulugan…kahuhulog ko lng po ngyng buwan na to simula nung nag open ako…pero nakalagay sa atm card koValid Thru 3/26 maari ko pa bang magamit

  17. Hi Lovely, kelan mo inopen ang account mo? BDO Kabayan ba? At kelan ka nag-send ng money? Yong atm card ay valid until Mar 2026 pero yong account mo puedeng ma-close kung hindi mo ma-maintain.

  18. Hello,
    i have several questions.
    nagopen kasi ako noon ng Kabayan account but I think I was not able to regularly remit yearly (within 12 months), so I’m guessing na naconvert na siya into regular passbook SA. My ATM card is still valid, hindi pa siya expired so nagagamit ko pa siya especially when making payments online (since Mastercard siya). My question is, pag nagexpire na siya and nagrenew ako, it will be converted na ba to regular atm? and hindi na ba siya pwedeng ibalik into Kabayan account? convenient dahil walang maintaining balance. any advice on what to do best? since I also need something to use to do online payments.

    thanks.

  19. Hi Sheena, hindi pa siguro na-convert into a a regular account ang account mo kasi wala ka namang naramdaman at sinabing 300 pesos na monthly penalty for below-maintaining-balance. Maliban lang kung merong at least 10k sa account mo palagi. So walang penalty kahit na-convert na.
    Halimbawa lang, na-convert nga ang account mo, puede mong i-close na lang pag andito ka, and then open another one, kasi hindi sila nagbabalik ng converted account back to Kabayan. Pero tanungin mo rin when you go to their branch, baka lang merong change in policy.

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