BDO Deposit Accounts — Baka Maubos Imbes na Lumago

January 31, 2011 · Filed Under Banks, BDO 

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 transaction within one year for checking accounts, and within two years for savings accounts.  This is to avoid dormancy charges.

For BDO customers, service fees for dormancy and below balances have been increased effective February 1, 2011.

Dormant accounts will be charged 300 pesos for every month of dormancy.

Accounts falling below the maintaining balance for two consecutive months will be charged 300 pesos.

Checking accounts with automatic transfer facility will be charged 500 pesos.

It can be inferred that the below-balance charges will continue until the account is restored to the required maintaining balance,
or until the balance is already exhausted and then the account closed.

Maintaining balances for these BDO accounts:

BDO ATM peso savings — 2,000 pesos
BDO Passbook peso savings — 5,000 pesos

BDO Junior Savers — 500 pesos

BDO Regular checking — 5,000 pesos
BDO Smart Checking — 15,000 pesos

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

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



278 Responses to “BDO Deposit Accounts — Baka Maubos Imbes na Lumago”

  1. alvin on February 9th, 2013 12:24 pm

    may ask lang po ako what if na withdraw ko lahat laman ng account ko tapos mag dedeposite ulit ako ng 2k after one week, mababawasan po ba ito, debit account po na may maintaining balance 2k account ko,

  2. Nors on February 10th, 2013 7:33 am

    Hi alvin, kung sa next month ay ganon pa rin ang gawin mo, mababawasan na yan ng 300 penalty. Okay lang kung mas malaki ang ibalik mong deposit para mahila niya yong average daily balance. At saka, mag-iwan ka ng laman sa account mo, kahit 100 or less para hindi ma-close. Ang pagkuha ng monthly average daily balance ay ganito: Mag-cash-card ka muna para walang risk ng penalty; meron nga lang 2-peso atm withdrawal fee.

  3. GRACE on February 13th, 2013 12:46 am

    I have a BDO bank saving account in Manila, The Philippines. I won’t return to visit or be on a humanitarian mission until the latter part of this year. I would like to withdraw from my account would I be able to do it here in London?

  4. Nors on February 13th, 2013 6:55 pm

    Hi Grace, if your atm card is the one that features the Mastercard or Visa logo, you should be able to. But there are some who commented on this blog saying they were not able to withdraw abroad, even in Mastercard or Visa-linked machines. But you can try using balance inquiry first to test. Inquiry fee is $1 and withdrawal fee is $3.50.

  5. Patrick on February 23rd, 2013 11:34 am

    Sir paano po kung nag withraw ako ng 1000 pesos sa account ko na may 2000 maintaining balance eh dapat po ba before that 2 months maabot ko na yung minimum maintaining balance para di po ako magbayad ng penalty? atm debit card po gamit ko.

  6. Nors on February 23rd, 2013 3:36 pm

    Hi Patrick, your average daily balance should not be below 2k for 2 consecutive months. How to get average daily balance? Add your daily balance everyday for 1 month, and then divide it by 30 days or 31 days or 28 days. Ex: 1k+1k+1k+2k+2k+1k+3k+1.5k+4k+1k….. = __ then divide by no. of days. You will get the average. The result should not be below 2k for 2 straight months.

  7. Patrick on February 23rd, 2013 4:43 pm

    so dapat ma maintain ko yung balance ko for 2 consecutive months para di magbayad ng penalty. Pano kung umabot yung 1 month at di ko pa rin nabubuo yung 2k may chance po ba na magbayad ako ng penalty? Pero after 10 days matapos ang 1 month nabuo ko na yung 2k which means di na po ako magbabayad ng penalty? ganun po ba yun? Salamat po sa agarang pagsagot.

  8. Nors on February 24th, 2013 7:11 am

    Hi Patrick, you should not fall below the maintaining balance for 2 consecutive months. If this Feb, your average daily balance is lower than 2k, then in March, your average daily balance should be 2k or higher. If not, you will be charged with 300 pesos at the last minute of March 31. If you find it hard to maintain, get a BDO cash card or BPI Easy Saver:

  9. Andrew on February 24th, 2013 7:06 pm

    may dollar savings account po ako na inopen ko s saudi. na-widraw ko na po lahat yon last december 2012 for the fear na bumaba pa ang dolyar. so zero balance na yong account ko. sa makati pa kasi yong branch nong account ko, nasa probinsya po kasi ako.balak ko kasing mag-open na lang ng new Peso account sa BDO pa rin sa Cabanatuan. What if hindi ko ipa-close sa makati branch yong dollar account na yon at hindi ko na huhulugan forever, anong implication non sa new peso account ko. Nasa abroad po kasi ako now. I-ko-close na lang ba nilang kusa yon na walang penalty sa akin considering na balak ko magbukas ng pesos account later.

  10. Nors on February 25th, 2013 8:17 am

    Hi Andrew, if your dollar account was not Kabayan, I think it was already closed. If it’s Kabayan, it will automatically close about 13 to 14 months after its last remittance from abroad. Yes, you can open another account in BDO Cabanatuan, even if you have a closed account in another branch. You will not be charged with any penalty for that account.

  11. Andrew on February 25th, 2013 1:27 pm

    thanks Ms. Nors for the prompt reply.

  12. Ross on February 28th, 2013 7:05 pm

    Hi Ms. Nors!

    Kakaopen ko lang po ng account ko, Peso Savings Account ko po sa BDO… With maintaining balance po na 5k. So, kailangan po ba na every month, dapat ang deposit ko is not below 5k? Pag below 5k, mag kaka penalty po ba ako nyan? Salamat po Ms. Nors

  13. ANNE on March 3rd, 2013 5:17 pm

    Hi, i would just like to inquire how a BDO Passbook savings account work? i opened my passbook and has a maintaining balance of 5,000. Will it earn interest? if so, is it every month or every year only? Thanks!

  14. Nors on March 4th, 2013 9:31 am

    Hi Anne, yes, your 5k will earn interest, but cents only and maybe later a few pesos. May be posted in your account at the end of every month or every quarter. And these few pesos are even reduced by withholding tax. So your main purpose should be to accumulate money, and then when it gets big, you put your money in time deposit, where it will earn a bit more. Maintain the 5k so you won’t get penalized.

  15. Rix on March 12th, 2013 3:53 pm

    Hi po, ask ko lang kasi po may junior savings account ako para sa baby ko, bale pag magpapadala po ng remittance ang hubby ko don po diretso.. may limit po ba don ang withdrawal? kasi for example, nagpadala sa account ng 25,000 pesos, pwede ko ba i-withdraw yong 20,000? in just one transaction lang? thanks po…=)

  16. jes on March 12th, 2013 9:42 pm

    Ahm ask q lng po kc a while aq nagwthdraw me kc ung kptd q ngpdla ng mney s acount ang pnagtataka q nbwsan aq ng 300 how come d aman me ngwthdrw ng 300 ang maintainhning bal q ay 2 mnthly aq naghuhulog bkt gnun e mnthly aman me hulog,sayang ang 300 ah para mbuo ang 1k msma tlga luob q tz bwasan ng 300 wthout knowing.galt me kc d k p lumagpas s maintaining eh naghulog k aman.

  17. audrey on March 13th, 2013 11:41 am


    Just want to inquire if BDO has a right to close your account if you failed to maintain the balance without any notifications to the depositor…

    Thank you,

  18. Nors on March 13th, 2013 12:43 pm

    Hi jes, you said your maintaining balance is 2k. And you said your balance never falls below 2k. You should go to your branch and ask calmly why your account was deducted with 300, so you will know the reason and so that you can resolve it before another 300 is deducted. I can’t tell you the exact reason because I don’t have all the info.

  19. Nors on March 13th, 2013 3:54 pm

    Hi audrey, I’m not sure about the word “right”, but it has been the policy of most banks that if the balance has reached zero or negative after the below-balance-penalty is deducted, the account is automatically closed without first notifying the depositor.

  20. Nors on March 13th, 2013 11:52 pm

    Hi Rix, yes, you can withdraw 20k in 1 atm withdrawal at BDO atm machines. For BDO, the daily ATM withdrawal limit is 50k and most of their ATMs allow up to 25k for a single withdrawal. But I think it’s better if you withdraw 10k at a time; anyway atm withdrawal is free at BDO atms.

  21. jhonna on March 14th, 2013 11:59 pm

    hi po ask ko lang po about peso savings account ko po kaka open ko lang 2weeks ago nag withdraw po kaagad ako ng 3k so 2k nlang po ang natira ang maintaining bal.po 5k kelangan po ba makapag deposit kaagad ako ng 5k withiin this month

  22. jane on March 15th, 2013 6:49 am


    Just to inquire. I have a peso savings passbook account. Can it be used also for remittance from abroad? How long will it take to clear the deposits?

    thanks a lot!

  23. Nors on March 15th, 2013 12:05 pm

    Hi jane, yes, you can use that for remittance. If your sender uses BDO remittance partners, the remittance should be credited to your account and ready for withdrawal within the hour, the same day or next day.

  24. Bert on March 15th, 2013 11:51 pm

    Hi There,

    Goodeve, i just wanna ask maam/sir if it is ok to open BDO KABAYAN SAVINGS ACCOUNT even if we dont have any remittance from abroad. We just want to use it for savings.Im just worried because my wife open this kind of account but we dont have any remittance from any country. I think it wasn’t explain to her thoroughly.Im just worried maybe we cant use it for savings only here in the Philippines.

  25. Nors on March 16th, 2013 7:09 am

    Hi Bert, you can use it to save money. Just make sure that after a year, you will be able to maintain a monthly average daily balance of 5k or more. After 1 year that the account has not received any remittance from abroad, Kabayan will be converted into a regular passbook account. This regular account will require a 5k maintaining balance. You can continue to use it as long as you can maintain this balance. If not, open a BDO atm account, it has no passbook and its maintaining balance requirement is 2k. Other banks offer lower maintaining balances for their atm accounts such as BPI Family, which require only 1k as maintaining balance.

  26. Neil on March 19th, 2013 8:24 pm

    Ask ko lang po… pwede po bang magpadala ng pera sa ibang passbook account.

  27. Nors on March 20th, 2013 7:07 am

    Hi Neil, do you mean passbook account of other people? Yes, you can remit to any bank account, whether it is yours, or that of another person. Just make sure that the name is correctly spelled, the account no. is correct, and the name of bank is correct, plus other personal info that the remittance company requires such as phone no., address, etc.

  28. shiela on March 20th, 2013 4:13 pm

    Good afternoon po. Ask ko lang po. What if kung nabawasan ko yung maintaining balance don sa account ko 5k po yun tapos nabawasan ko ng 500 ano po mangyayari?

  29. Nors on March 20th, 2013 8:46 pm

    Hi shiela, you should deposit back 500 pesos asap, or deposit 1k or more to cover for the days your balance was below 5k. You will be charged 300 pesos if your average daily balance for 2 consecutive months is below 5k.

  30. shiela on March 21st, 2013 1:16 pm

    Ahhm thanks for your fast reply. But can I ask how to compute the average daily balance ?. What if po nag withraw ako ngayon ng 500 don sa 5k maintaining balance ko taz mahuhulugan ko ulit a after 15 days magkakaroon po ba ako agad ng penalty na 300?

  31. Nors on March 21st, 2013 10:37 pm

    Hi shiela, just make sure that if you’re below the required average balance this March, you’ll maintain your required balance in April, so that your below-balance status does not occur for 2 consecutive months.

  32. jaycel on March 24th, 2013 2:30 am

    hi po sir/mam,
    ask ko lng po pwede po ba mang transfer ng pera through bdo to bdo acnt using only bank name and acnt holder’s name?thanks po

  33. Nors on March 24th, 2013 3:26 am

    Hi jaycel, you cannot. You need to write the account number, in addition to bank name and accountholder’s name.

  34. Alexis on March 30th, 2013 4:45 pm

    hi! ask ko lang po sana. mag dedeposit po kasi ako sa savings account ng kaibigan ko. how much will it cost me for depositing 21k to her account? TIA~

  35. Nors on March 30th, 2013 11:03 pm

    Hi Alexis, is this BDO? Is your friend’s account opened in another region? The interregional interbranch deposit fee could be 100 pesos. If it’s in the same region as where you’re depositing, there’s no deposit fee — it’s free.

  36. Lea J. Carbonell on April 1st, 2013 1:29 pm

    Hi..i have a peso savings account which has 5k maintaining balance. pag winithdraw q po ung 4k dun at may natirang 1k.kelan q po dpat maideposit ung 4k para dipo ako mapenalty?

  37. Nors on April 1st, 2013 5:58 pm

    Hi Lea, you will withdraw the 4k this April? So that means you’re already below the maintaining balance this April. Put the 4k back on April 30. Make sure for the month of May, your 5k is there in your account every day from May 1 to May 31. Your account should not be below the maintaining balance requirement for 2 consecutive months.

  38. yzan on April 1st, 2013 7:49 pm

    Is it possible to remit from A korean bank to my BDO Peso Savings Acc here in the Philippines? kahit hindi sya remittance partner ng BDO? Kasi Kookmin bank lang ang remittance partner ng BDO sa Korea eh sobra layo daw naman nito sa place nila…

  39. Nors on April 1st, 2013 9:13 pm

    Hi yzan, yes, your sender makes a wire transfer at the bank, then this bank will process the transfer with Kookmin or a BDO correspondent bank abroad. You give BDO’s swift code = BNORPHMM . Your sender can also use Moneygram (would be faster); it’s a BDO partner, and this can be found in many places around the world. Western Union is also okay, as long as remittance is deposit to account.

  40. yzan on April 1st, 2013 10:00 pm

    ok thanks po.. one more question.. i am planning to change my BDO Account from ATM Savings to Passbook with ATM Savings Account.. gusto ko kasi may hard copy din ako nung savings ko although pwede ko din naman sya iaccess online.. Question is.. Can I deposit Money without presenting the passbook? Like nung ATM Savings ko na kahit sino pwede makapagdeposit?

  41. Nors on April 2nd, 2013 1:09 am

    Hi yzan, yes, you can deposit without showing your passbook. yes, anyone can deposit into your passbook account.
    About changing from atm to passbook with atm, they might instead ask you to open a new passbook account with atm.

  42. Lea J. Carbonell on April 2nd, 2013 11:05 am

    TNX PO..last question po?ndi ko pa po kc napapaupdate ung passbook ko since nag deposit ako..once plang ata.panu ko po maacess online ung mga transactions q sa atm?para mcompute q po ung minimu mothly average daily..

  43. Nors on April 2nd, 2013 8:12 pm

    Hi Lea, enroll your account online. Go to and enroll in Internet banking. You will be instructed to validate your enrollment via atm

  44. kate on April 3rd, 2013 11:59 am

    hi. i just want to ask kung every two months pa din ba ang hinihintay before sila magdeduct ng penalty if under maintaining balance na. kasi last end ng february nagdeduct sila ng penalty sakin den naun ndi ko na mcheck ung balance ko sa atm ineexpect ko dis end of april pa magdededuct ulet. is it possible na close na account ko? pero naoopen ko pa din ung atm un lang di ako makapagbalance inquiry. thanks

  45. kate on April 3rd, 2013 12:48 pm

    pwede pa po ba magdeposit pag ganun? thanks po ulet

  46. Nors on April 3rd, 2013 6:55 pm

    Hi kate, it’s not every 2 months; it’s after 2 consecutive months of falling below the required balance. If you were deducted 300 on Feb 28, that means you fell below for Jan and Feb. They again deducted 300 on March 31 for Feb and Mar that the account is deficient. I think your account is On Hold — it’s possible that you now have a negative balance, and that if you reactivate it, you will pay the 300 fee or any deficiency. I suggest you open a BPI Easy Saver. This one does not require a maintaining balance, but it imposes 5 pesos for every atm withdrawal or balance inquiry — I think this is better than paying 300 pesos.

  47. yzan on April 3rd, 2013 8:47 pm

    Ok Thankyou po.. Yes, I’m planning to have a new Passbook with ATM account.. hassle din kasi magwidraw ng above 50K kapag ATM acc lang eh. Nung nagtry ako mag widraw ng 125K sa ibang branch, hinihingan ako ng passbook, then pinapunta ako sa branch ko sabi dun lang daw ako pwede magwidraw ng above 50K.. Then,pagdating ko naman sa branch ko, sabi nila allowed daw naman magwidraw ng 50K+ kahit saang branch.. ewan ko ba.. ang gulo nila.. hehe thats why ipapaclose ko na lang yung ATM Acc ko then magoopen nalang ako with passbook.. :)) Salamat po ulit..

  48. Nicole Leah Gutierrez on April 4th, 2013 12:10 pm

    paano kung last month nagtira ako sa atm ko ng 100 pesos
    tapos dis montn nagpadala siya. nungcheck ko balance ko sabi ng machine invalid yung transaction. what to do?

  49. Nors on April 4th, 2013 9:13 pm

    Hi Nicole, is this atm the one with 2k maintaining balance? and that you fell below this required balance for Feb and March? Either your atm is on hold, or closed. Go to your branch and inquire.

  50. Nors on April 4th, 2013 9:24 pm

    Hi yzan, yes, I’m really puzzled that BDO branches do not have the same policies about some issues related to interbranch deposits and withdrawals. Thanks for sharing info. Will help others. Best regards.

  51. lon on April 6th, 2013 9:48 pm

    Ask ko lang may service charge ba pag pinachange ko ang atm passbook peso savings account ko to atm debit card?

  52. Nors on April 6th, 2013 10:44 pm

    Hi Ion, I think what the bank will advise you is to close your passbook account, and then open a new atm-based account. There’s no charge for this process.

  53. Jab on April 10th, 2013 4:11 pm

    panu kung ang maintaining balance ko ay 2,000 pero 78pesos na lang ang nasa atm ko hindo po ba ito ma block?


  54. Nors on April 10th, 2013 11:15 pm

    Hi Jab, if you leave your account with only 78 pesos for 2 months, you’ll be charged with 300 pesos, and since the result will be negative 222, it will be closed. I suggest you save on a cash card first if it’s hard maintaining a balance.

  55. Jab on April 11th, 2013 9:21 am

    Ibig sabihin po sa ngayon ay closed na po ang Acct ko?pwede pa po ba maibalik ung acct ko sa pag kakaclose?

  56. Jab on April 11th, 2013 9:36 am

    Maibabalik din naman po agad yung pera by next week

  57. Nors on April 12th, 2013 4:08 am

    Hi Jab, so do you mean your account was left with 78 pesos for Feb and Mar? If yes, I think the account was closed on Mar 31. You may be able to reopen it by paying 300 pesos, and if you can reopen it, make sure you deposit by next week about 4500 or 5k and leave it there so that the monthly daily average is at least 2k.

  58. lah on April 12th, 2013 1:18 pm

    hello good day po :)
    ask ko lang po kasi I have 2,250 in my atm debit account tapos nung april 1 nag withdraw ako nang 2,000 kaya 50 na lng yong natira.. next month ko pa kasi ma dedepositohan ulit.. ma close ba yong account ko? at pwdede pa ba ako ulit mag open account?

    thank you :)

  59. Nors on April 12th, 2013 8:37 pm

    Hi lah, is this the first month that you fell below 2k? If yes, make sure next month, your account has at least 2k everyday. If your account falls below the maintaining balance again in May, 300 pesos will be deducted from your account on May 31. If this is the 2nd month it’s below, your account will be closed on April 30. Yes, you can open another account. I suggest you try the BPI Easy Saver —
    BPI Easy Saver

  60. bhenice on April 14th, 2013 3:44 pm

    Hi, paano po kung nabawasan ko yung maintaining balance? around 300 pesos nalang yung natira pero wala pa nman pong 1month.. Macoclose po ba account ko?. But I have plan naman po na ibalik din sa lalong mdaling panahon yung maintaining.

  61. Nors on April 14th, 2013 7:21 pm

    Hi bhenice, it will not be closed at the end of April; it will be closed at the end of May if you don’t maintain the required maintaining balance in May. That would be 2 consecutive months of falling below the maintainining balance requirement.

  62. bhenice on April 15th, 2013 9:08 pm

    Thank you so much po for the reply. Pero may penalty
    na po ba yun if I deposit again the maintaning balance?. Or after 2 months pa po ma pepenalty?.

  63. Myra on April 16th, 2013 2:49 pm

    Hi, just wanna ask, Is there any way to re-activate my savings account even if I already used my maintaining balance? and the problem is, its been 4 months since I deposited on my account. Is there charges for that? and can I open a new account still in my name after confirmation that my account is already closed?

  64. Nors on April 17th, 2013 9:00 am

    Hi Myra, yes, it’s better if you open a new account — you might be required to pay at least 900 pesos in penalties if you reactivate. I also doubt if BDO allows reactivation after 4 months.

  65. Gen on April 20th, 2013 2:06 am

    hi, ms. Nors! I am planning to open a passbook savings account. Which bank do u think or recommend best? My choices is between bdo and bpi. I have 15k on hand.

  66. Nors on April 20th, 2013 11:30 am

    Hi Gen, I think the BDO passbook account is better, because its maintaining balance requirement is only 5k. But the BPI or BPI Family passbook account is also good if you’re sure you can maintain the 10k maintaining balance requirement. Both banks are stable and have a lot of atm machines around. One advantage of BPI is it has 24-hour cash deposit machines. One advantage of BDO is there are open SM Mall BDO branches on weekdays and holidays.

  67. Gen on April 20th, 2013 1:14 pm

    ok, thank you! Last question po, can I withdraw to any branches of bdo using only my passbook?

  68. Nors on April 20th, 2013 2:43 pm

    Hi Gen, yes, but there are branches that might refuse (based on some comments here). There’s an interregional-branch withdrawal fee of 100 pesos

  69. joem on April 22nd, 2013 12:50 am

    Hi, im planning to deposit worth 5,000, kasi bibili ako ng iphone for installment, and then the seller gave me the 10 digit number dun daw ao mgdeposit, natatakot ako na baka scam yun, the question pwede ba mahold nung bank ung 5k until d ko sinasabi na pwede nya un mwithdraw. para kung sakaling scam, mababawi ko ung pera ko. pls answer asap. thanks.

  70. Nors on April 22nd, 2013 2:33 am

    Hi joem, I suggest you do not deposit 5k. Once you deposit money into another person’s bank account, the money goes to that person’s account, and you cannot get it anymore. That becomes his money. Wala kang habol kung hindi ibibigay sa iyo ang phone. Even BDO cannot put on hold the money or get the money for you.

  71. mai on April 23rd, 2013 9:28 pm

    good day ms. nors, may I ask if my savings account already has 150k and I want to close my savings account so I can transfer all my money to the other banks (not in other BDO), will there be any charge? if i have 150k, how much will they charge from it? thank you.

  72. Nors on April 23rd, 2013 11:59 pm

    Hi mai, there’s no charge in closing your account if you had this account for more than 30 days already. If this is an atm savings account, withdraw first 50k from the atm machine and then withdraw the rest over the counter. If this is a passbook account, you can withdraw the whole 150k outright over the counter.
    If you plan to put your 150k in another bank, and there’s a safety risk as you go to your new bank, buy a 150k manager’s check from your BDO branch (the check is in your name; Payee is you). Then deposit this check into your new bank.

  73. ohdyl villanueva on May 2nd, 2013 12:53 pm

    Hi I would like to ask if my husband will deposit money to my kabayan savings account in philippines is it possible? Thank you

  74. Nors on May 2nd, 2013 8:18 pm

    Hi ohdyl, yes, your husband or anyone can deposit into your Kabayan account, either through remittance or over the counter deposit here in the Philippines. Your Kabayan account needs to have at least one remittance from abroad in a year so your Kabayan will not converted into a regular account.

  75. Vernon on May 3rd, 2013 8:08 pm

    Tanong ko lang po, if jan 8 the maintaining balance na 2000 is 500 na lang natira ano po posibilidad na mangyari sa account ko? Thanks po sa ASAP na sagot

  76. Nors on May 4th, 2013 1:19 am

    Hi Vernon, do you mean that you left 500 on Jan 8 and never deposited again? If yes, your account is most likely closed already because 2 consecutive months have already passed that your account is below the maintaining balance. Make an atm balance inquiry to check.

  77. Vernon on May 4th, 2013 4:07 pm

    If my bank is closed na.. Can i open that again? May posibilidad ba na marere open ko pa po siya?
    power teens po kasi yung account ko kasi nag aaral pa ako.. if yes na marereopen ko pa, ano na po ang magiging account peso account na ba? tumigil na kasi ako sa pag aaral :) last question.

    thanks :P

  78. Vernon on May 4th, 2013 4:18 pm

    At ganun pa din po ba ang requirements pag mag rereopen ulit? :)

  79. Nors on May 5th, 2013 7:13 am

    Hi Vernon, if your account has been closed for months, it’s not practical to reopen it because you will pay penalties for the months it was closed. Besides, I’m not sure if BDO still allows reopening. Yes, you can open a new Power teens account if you’re 13 to 19 years old. Bring the same requirements. If older, you can open the regular atm savings account with maintaining balance of 2k.

  80. Kay on May 6th, 2013 7:24 am

    Hi! I have a BDO ATM account, can I have it converted to an ATM with passbook account? Thanks!

  81. Junderf on May 6th, 2013 4:19 pm

    Hello. I have a BDO ATM Debit Card last 2011 with maintaining balance of only 100 pesos. Hindi ko na kasi ginagamit yun, cause i have already a BPI Express Teller for my payroll. When I inquired this past few days, nandoon pa rin yung 100 pesos, hindi man lang nabawasan. Now, I’m planning to put money in that account for my savings.
    My questions are as follows:
    1. Is my account still active?
    2. Why is it that they don’t deduct the PhP300 penalty?
    3. If I’m going to deposit, how much will be deducted considering the maintaining balance falls below the required, for almost 1 and a half year?

  82. Vernon on May 7th, 2013 6:37 pm

    You helped me so much that I need :) thanks by the way.. Keep up the good work to answered all question of the concern people like me :) good day!

  83. Nors on May 8th, 2013 11:47 am

    Hi Kay, BDO does not convert the way you mentioned. What you do is open a new atm-with-passbook account — maintaining balance is 5k. Then you can close your atm-only account if you like, or you can maintain 2 accounts.

  84. Nors on May 8th, 2013 12:22 pm

    Hi Junderf, I’m also puzzled why your BDO account had not been closed after more than a year. Did you open this BDO account as a payroll account? Because I think it’s only payroll or pension accounts that accept only 100 pesos as opening balance. If this is a payroll account, you cannot deposit to it over the counter, so you cannot use it as a regular account.

  85. MJ on May 8th, 2013 7:13 pm

    Hi Nors.. Help please.. My BDO account (which should have 2K main.bal.) had zero balance. So, I tried to transfer 5K online from my other bank account to my BDO, only to find out a week later that the transfer was not successful and that my BDO account was already closed.
    I read from your reply above that I can still reopen it by paying P300, is that right? How do I pay for it? Do I really need to go to the bank? I am out of the country now so I cannot do it. :( What can I do? Thanks a lot!!!!

  86. Nors on May 9th, 2013 1:04 am

    Hi MJ, what I know is that you need to appear in person to reopen a closed account. If you’re allowed to reopen, you pay for the months it was closed at the rate of 300 pesos per month. Please call BDO for further info: (Intl. Access Code) +800-8-6318000
    If you like, you can open a Kabayan account at a BDO remittance partner there that offers BDO Kabayan account opening.

  87. Almarose on May 16th, 2013 8:22 am

    Good am, i just wanted to ask kung nag excess ka ng withdraw ng 1500 then nabawasan yun maintaining bal mo na 2k bale 500 nalang natira, mababawasan ba yun ng 300 kung magkakaroon ulit ng money doon? & lagi na bang mababawasan ng 300 account mo dahil nag excess ka ng one time lang? Or one time bawas din yung 300?

  88. Nors on May 16th, 2013 2:17 pm

    Hi Almarose, if your balance remains to be 500 or below maintaining balance this May and June, 300 pesos will be deducted from your balance at the end of June. If your balance is still below, another 300 pesos will be deducted at the end of July — by then your account will be closed because it will turn negative.

  89. Kenneth on May 30th, 2013 2:54 pm

    Hello, I am OFW here in Qatar, Currently my account in BDO is in dormant status. Is it possible to remit for that account para ma clear yung pagkadormant nya at para maging active again? Thanks

  90. Nors on May 30th, 2013 7:55 pm

    Hi Kenneth, what I know is that if your account has been declared dormant, it is put on hold until the time you’re able to go to your bank in person with your IDs — this means you cannot remit to it. Para sure at baka merong nag-iba, call BDO or write your concern at this BDO contact page Also ask if they charge dormancy fee even if your account is above maintaining balance.

  91. Xev on May 31st, 2013 11:27 am

    Hi, i recently opened an account with a 5k maintaining balance. eventually, i have used the entire amount and i am planning to deposit back the 5k next week. will i incur a penalty?

    ** how about if i just deposit 2k next week because i cannot suffice the 5k maintaining yet, will i incur a penalty? is there like a specific timeframe that i need to follow?
    thanks :))

  92. Xev on May 31st, 2013 11:41 am

    ff up question :

    today is the end of the month, so i am planning to deposit back the 2k next week which is already the first week of JUNE and deposit back the 3k after 2 more weeks.

    thank you.

  93. Nors on June 1st, 2013 7:59 am

    Hi Xev, it seems you will fall below your maintaining balance for 2 consecutive months, May and June, so you will be penalized for 300 pesos at the end of June. I suggest that if you’re still starting, you close this passbook and open BDO’s atm savings account; it has a lower maintaining balance — 2k. But of course, if there’s a reason why you need this passbook, then go ahead, maintain this passbook. BPI Family’s atm savings account has even lower maintaining balance — 1k. It also has a lot of branches and atms.

  94. Xev on June 1st, 2013 9:07 am

    Thank you for your quick response Ms. Nors. i really appreciate it. i really need this passbook, it’s just that,we have encountered an emergency situation last month wherein i am required to withdraw the remaining amount :))

    anyway, i just thought that i will incur a 600 pesos penalty. i got confused.

    and regarding your suggestion, is it possible that i switch from the passbook to the ATM saving account? thank you.

  95. Nors on June 1st, 2013 1:35 pm

    Hi Xev, I think you cannot directly convert your passbook to an atm account. I suggest you open your atm savings, and after activation, withdraw all your money from your passbook and deposit it to your atm. With zero balance, your passbook will then be closed.

  96. Sheila on June 2nd, 2013 8:55 pm

    How will i know,how much is my maintaining balance,i was not informed by bdo when i opened my account,last thursday may 30 i still have 1600,my brother deposited 2k june 1 saturday.when i inquired sunday it was already deducted 300.

  97. Nors on June 3rd, 2013 2:23 am

    Hi Sheila, if your account is an atm savings account, your maintaining balance is 2k. If you fall below the balance requirement for 2 consecutive months, you are penalized by 300 pesos at the end of the 2nd month. This June, maintain 2k always in your account, so you will not be penalized by 300 pesos again at the end of June.what is maintaining balance?

  98. Sheila on June 3rd, 2013 9:27 am

    Thnk for replying,its actually an atm savings acct with a passbook.which got me confused,coz ive read in this type,should b 5k,but then i failed to maintain that amt,n just recently noticed d deduction when it falls below 2k.

  99. Nors on June 3rd, 2013 12:33 pm

    Hi Sheila, if it’s a passbook/atm account (not Kabayan), the maintaining balance is 5k. Your penalty is deducted at the end of the 2nd month you fall below the maintaining balance.

  100. elaine on June 4th, 2013 2:28 pm

    I would just like to know if its possible that i’ll upadte my BDO passbook in any BDO branch.

    Thank you
    hope to hear from you.

  101. Nors on June 4th, 2013 9:29 pm

    Hi elaine, sorry I’m not very sure, but I think you can update your passbook at any BDO branch.

  102. ann on June 7th, 2013 1:46 pm

    hi ms nors. regarding this optimum savings account personal in bdo, is it a wiser option than just the peso savings account? i told my mom to open an optimum savings in her name, i am here in ksa, can i deposit directly to her optimum savings account? thank you so much:)

  103. Nors on June 7th, 2013 8:58 pm

    Hi ann, I’m not very sure but I think you can remit from KSA to a BDO Optimum account since this account is just another type of a savings account. Patanong mo na lang sa mother mo pag mag-open na siya. Yes, it’s a good option because its interest rate increases as the balance increases. Initial deposit and maintaining balance is 30k.

  104. lah on June 11th, 2013 11:57 am

    hello good day ask ko lang poh pertaining sa BDO credit card Mastercard po yong sa akin. last month my bill ako na 3,894 I only pay the minimum amount which is 1,543. my interest po ba yon sa next statement of account? thank you so much :)

  105. Sai on June 11th, 2013 3:45 pm

    _Good day!.. I have BDO savings account, Passbook with ATM.. PossibLe naman na ibang tao ang mag-deposit sa account ko, right?.. My question is, pa’no s’ya maiLaLagay sa Passbook ko?.. Kung ibang tao ang nag-deposit.. First time ko kasi.. Hahaha.. Thank you.. :)

  106. Nors on June 12th, 2013 1:52 am

    Hi lah, yes, meron nang interest yong unpaid balance sa next statement.

  107. Nors on June 12th, 2013 2:08 am

    Hi Sai, yes, anybody can deposit into your account. This deposit will immediately be credited to your account, and you can check it via your atm card when you make a Balance Inquiry at an atm machine.
    Maipi-print ang deposit sa passbook mo after you go to BDO and have your passbook updated.

  108. Sai on June 12th, 2013 7:22 pm

    _I see.. Thank you so much, you’re so nice.. :) God bLess.. :)

  109. Nors on June 13th, 2013 12:56 pm

    Hi Sai, thanks too. God bless din

  110. Miguel on June 21st, 2013 5:04 pm

    Just want to ask regarding to my BDO passbook peso savings. 1 month or 2 months of dormancy? If my account is P0.00 balance.

  111. Miguel on June 21st, 2013 5:05 pm

    Kelan ma chacharge ng 300 ang account ko sa passbook peso savings kung na zero balance ito? One month of dormancy or 2 months of dormancy??

  112. aye on June 21st, 2013 11:15 pm

    mam nors ask ko lang po kung pwede na bang magka atm ang baby ko 3 months pa lang po sya.

  113. Johanna on July 1st, 2013 5:05 pm

    i would like to ask if my account will be closed if i haven’t been active for 2 years and i would not pay their charge which is 300 pesos..
    is it also possible to open a new account in that particular bank except i will do it in another branch?

  114. Nors on July 2nd, 2013 6:53 pm

    Hi Johanna, if your account is Kabayan, and never had a transaction in a year, I think it was closed around the 14th month.
    Yes, you can open another account in another branch. They have a record of your closed account, but they will allow you to open another one.

  115. klarizze delos arcos on July 9th, 2013 12:01 am

    Ask ko lang po nawithdraw ko po sa pasbook ko almost 6k bali may 2k pa po ako balance sa passbook ko pwede ko po kaya mawithdraw un 1k? May penalty na po kaya ako june ko pa po winithdraw ang pera na un ty po

  116. Nors on July 9th, 2013 1:38 am

    Hi klarizze, is this the BDO passbook with 5k maintaining balance requirement? If yes, that means you fell below your required balance last June. And then this July, below required balance ka rin. At the end of July, you will be deducted with 300 pesos as penalty kasi pang-2nd consecutive month mo nang below required balance.

  117. joel on July 9th, 2013 8:22 pm

    hello po nakakatuwa kasi may response po kayo ms. nors kaagad sa mag question nila and makikisingit narin po ako… my question is my maintaining balance pa yung atm kabayan savings ko for about 10k plus…and mahihinto ang remittance ko i mean di ko siya mahuhulugan maybe in 8-12 months.. mababawasan ba ang 10k ko na un kpag diko siya nahulugan? magkano? gusto ko siya ksi stock lang dun diko siya gagalawin within tha whole months na sinabi ko… salamat..!

  118. Nors on July 9th, 2013 11:37 pm

    Hi joel, Kabayan has no maintaining balance requirement, so your 10k would be okay even if you don’t make a transaction in 8 to 12 months. But your Kabayan might be converted into a regular passbook account if you don’t remit to it from ABROAD at least once in 12 months. But if you’re not particular about Kabayan, you won’t be penalized even if it’s converted into a regular passbook because the maintaining balance requirement for this is 5k — surely covered by your 10k balance. About dormancy: a savings account becomes dormant if it’s without deposit or withdrawal within 2 years. Salamat naman at sabi mo natutuwa ka; natuwa rin ako, and inspired. thanks…

  119. ara on July 18th, 2013 12:23 pm

    im planning to open account sa BDO , yung passbook na 5K, meaning to say every mag deposit ako which is i preffered monthly ay 5K din? . . .hope youll reply asap

  120. Nors on July 18th, 2013 10:10 pm

    Hi ara, your first deposit should be 5k or more. Then for the next deposits, you can deposit any amount, preferably at least 500 pesos. Basta make sure, if ever you withdraw, that your balance does not go lower than 5k so you’re able to comply with the maintaining-balance requirement.

  121. jazun on July 25th, 2013 7:06 pm

    hi po ma’am nors,
    have an existing BDO ATM Savings account…
    1. what’s the maximum amount i could withdraw on ATM?
    2. could i withdraw on other BDO bank branches the amount larger than the ATM withdrawal allowed?


  122. Nors on July 26th, 2013 12:53 am

    HI jazun, 1. maximum of 50k per day; maximum of 25k per withdrawal; maximum of 5 withdrawals per day 2. No. Your withdrawal at other banks’ atms are counted/added. If you need to withdraw more than 50k a day, withdraw the 50k from an atm, and then withdraw the rest over the counter (show atm receipts so you won’t pay over-the-counter fee).

  123. hONeY GRAce on July 29th, 2013 9:10 pm

    hi nors… ask ko lang poh sa kabayan savings atm/ passbook ko kc parang mag isang taon or isang taon sobra na di ko na nagamit tapos ngayon poh may maghuhulog sa akin somewhere in swetserland poh… tanong ko poh kung still active pa ung atm ko poh? pwede pa ba mahulogan un? tapos poh di ko na kc naalala kung may 100 balance pa ang atm koh. ano poh masasabi mo sa problem ko sa kabayan savings atm/passbook??? salamat poh

  124. jay on July 30th, 2013 6:09 pm

    Good day everyone,

    Question lang about what happened to my account.
    I fall below the Maintaining balance w/c is 5000 so i was deducted 300 php on my account. To prevent this to happen again I deposited money w/c is greater than 5000. After a month yata nagcheck ulet ako ng account then nabawasan ako ng 300 ulet so nagtataka ako bakit nagkaron ng another 300 deduction? eto nga pala ung email sakin through online banking:

    Thank you for seeking assistance on your query.

    Please be advised that the Service Charge of Php 300.00 was for falling below required Monthly Average Daily Balance (MADB) for 2 consecutive months.

    In addition to this, the MADB is computed as the sum of the daily ending balance divided by the days of the month.

  125. Nors on July 31st, 2013 8:04 am

    Hi honey grace, if it’s more than a year that your Kabayan has not received remittance from abroad, it might have already been converted to a regular passbook with a 5k-maintaining-balance requirement. It could still be active but your new remittance could be reduced by 300 pesos per month the account was below the maintaining balance. You can go to your branch and ask the status of your account. If you like, your sender can send you money for cash pickup at BDO, and no longer for deposit.

  126. Nors on July 31st, 2013 9:02 am

    Hi jay, baka noong nag-deposit ka hindi start of the month, tapos noong i-average yong daily deposits mo, nag-fall pa rin below 5k. Dapat talaga everyday, merong at least 5k sa account, para kung mag-average sila, halimbawa 5k x 30 days = 150k, then 150k / 30 days = 5k …so okay ito kasi 5k ang average. Pero kung merong halimbawa 3 days na walang 5k, magiging 5k x 27 days = 135k, then 135k / 30 days = 4,500…ito lower than 5k, so merong below-maintaining-balance penalty. Puedeng habulin yong 3 days na walang 5k kung merong 3 days na ang deposit ay 10k para mahabol yong daily average of 5k.

  127. jay on July 31st, 2013 10:51 am

    Thanks po Nors! yup I checked the date it was before the month end nga. now atleast naliwanagan ako sa Monthly Average Daily Balance. thanks po ng madami!

  128. Jaiko on July 31st, 2013 3:37 pm

    Hi ask ko lang po nagwithdraw po ako sa account ko and then ang available balance niya ngayon ay P148 bukas pa lang po ako ulit makakapagdeposit ng more than sa 2, 000 na maintaining balance papasok pa rin po ba sa account ko yun july 19 2013 po siya naging below maintaining balance mag kakapenalty din po ba ako?

  129. Nors on July 31st, 2013 10:05 pm

    Hi Jaiko, kung last June ay equal to or above maintaining balance ka, at ngayong July ka lang magkaka-below maintaining balance, wala pang penalty. Nagkakapenalty kapag magkasunod na 2 months na below maintaining-balance. Ang gawin mo is add all balances of every day of the month, then divide by 30 or 31, dapat yong average the same or above 2k.

  130. shiela vee caliwara on August 1st, 2013 5:32 pm

    Hello po. I have both atm and passbook account and i withraw all my money using the atm and i dont close my account in a proper way. What will happen to my account? Do i have a penalty to pay? Thank you

  131. wella carla on August 1st, 2013 5:36 pm

    Good day. I have peso pasbook savings account in bdo and iwithdraw all the money using atm will my account going to close automatically? Or i need to process it in the bank? Thank you

  132. Nors on August 1st, 2013 9:01 pm

    Hi shiela, once your account balance turns to zero or negative, it will automatically close. You will not be charged with any penalty because your account is already closed.

  133. shiela vee caliwara on August 1st, 2013 9:40 pm

    Thank you ms. Nors but last question, it will be automatically close even if i not process the close account form in the bank? It is a peso passbook savings account.

  134. Monica on August 1st, 2013 10:42 pm

    hi, i would just like to ask about kabayan savings.. i had mine in oct 2012 then i went here to saudi and had my first remittance in april 2013..(it was just roughly around 150sr, from then on i started saving up every month >500sr) but then, just yesterday when i checked my savings in the atm here, i found out that my savings was 1900+ php less.. could it be possible that my kabayan was converted to a savings acct that requires a maintaining bal of 5k? thanks in advance..

  135. anjel florita on August 2nd, 2013 9:56 am

    hi po ask ko lang po i have a time deposit in bdo and for some emergency reason i need the cash. How much will be deducted if i get the money before maturity date?

  136. Nors on August 2nd, 2013 11:00 am

    Hi shiela, yes, kapag nag-zero na or nag-negative (kasi merong penalty, pero kulang na ang natirang balance), magko-close na siya automatically, kasi merong system cost to maintain inactive accounts. Some people like to close their passbook accounts properly by going to the bank if they like to get their money up to the last cents na hindi nakukuha sa atm machine. If you’re not at ease about not closing it properly, you can visit your bank with your passbook and fill up the withdrawal form. Write your last balance, exactly up to the cents, at sabihin mo sa teller na iko-close mo na ang account mo.

  137. Nors on August 2nd, 2013 11:47 am

    Hi Monica, do you mean that about 1900 pesos is missing? If you opened your Kabayan in Oct 2012, then its one-year period will be reached in Sep or Oct 2012, so the conversion to 5k-account is not yet an issue. Besides, your first remittance of 150sr plus one 500sr already covers the 5k requirement. I hope you have your remittance receipts with you. The amount that appears at the machine there is in riyals, right? It might have something to do with the conversion rate? Or you can write your concern here:

  138. Nors on August 2nd, 2013 12:04 pm

    Hi anjel, the BDO website says there’s a pretermination penalty. Just ask your branch.
    At BPI, they just reduce the time deposit rate to a regular savings rate.

  139. Monica on August 2nd, 2013 1:52 pm

    Yes, i have my receipts with me.. Thanks Nors.. I’m glad there’s a blog site like this.. Keep it up! Keep helping our Kabayans from all over the world.. God bless!

  140. shiela vee caliwara on August 2nd, 2013 2:47 pm

    Thank you. If nag close na syabwithout processing in the bank i would not get any penalty?

  141. Ante on August 2nd, 2013 6:32 pm


    I would like to know what’s the latest BDO policy regarding account dormancy. Is it still as follows?

    a. Current Account – after twelve (12) consecutive months of inactivity

    b. Savings Account – after twenty-four (24) consecutive months of inactivity


  142. Nors on August 3rd, 2013 9:42 am

    Hi shiela, yes, hindi ka na sisingilin.

  143. Nors on August 3rd, 2013 9:43 am

    Hi Ante, yes, that’s still the dormancy policy. thanks too

  144. Nors on August 3rd, 2013 9:52 am

    Hi Monica, thanks and God bless too

  145. ryan on August 3rd, 2013 6:26 pm

    Dear Sir/ Madam,

    Ask ko lang kung possible bang ma-dormant yung account ko its a savings account with minimum 3000 or 5000 ata yun e medyo matagal na kasi na dko nahuhulugan pero meron naman syang laman more than minimum requirements?

  146. Nors on August 3rd, 2013 9:52 pm

    Hi ryan, even if your balance is above maintaining balance, your account can still become dormant after 2 years without any deposit or withdrawal. It will be put on hold until you reactivate it in person. I saw a BDO Vigan Facebook statement that dormant accounts with balance above maintaining balance are not charged with dormancy fee.

  147. julie ann franco on August 7th, 2013 8:28 pm

    Ask ko lang po kung may idea po kayo kung how much ang fee kpag nag apply ng Managers Cheque sa BDO? May maintaining balance din po ba ang MC? thank you,…..

  148. Nors on August 8th, 2013 9:05 pm

    Hi julie ann, I hope you have an account with BDO because usually they require that you have an account with them before you can buy a manager’s check. Pero tanungin mo pa rin, baka iba na ang policy, lalo na kung for abroad, baka they give consideration. There’s no maintaining balance for MC because this is a check — you will buy it — you just pay 30 to 50 pesos, if the check is in peso amount. Higher kapag in dollars yong check.

  149. alice inocencio on August 10th, 2013 2:55 pm

    Hi! May I ask, is the penalty for falling below ave requirement applicable to all bdo types of account? Two consecutive months din po ba when it comes to automatic transfer facility account?

  150. alice inocencio on August 10th, 2013 3:17 pm

    If two consecutive months nagfall below monthly average daily balance ang automatic transfer facility account, nun pa lang may penalty, or in one month lang mag fall may penalty na agad?

  151. Nors on August 10th, 2013 4:23 pm

    Hi alice, yes, all types except Kabayan, cash card, SSS pension (or puedeng merong iba na I don’t know). Ang alam ko savings account ang ATF account so kasama siya. Ang penalty na 300 pesos ay nade-deduct at the last moment of the last day of the 2nd consecutive month na below maintaining balance. Ma-deduct uli ang 300 pesos sa last moment of last day of next month kung below-maintaining pa rin.

  152. alice inocencio on August 10th, 2013 11:14 pm

    Is it not php500 penalty for atf?

  153. Nors on August 11th, 2013 9:33 am

    Hi alice, oh sorry, you’re right. It’s 500 pesos for atf.

  154. Jaime on August 12th, 2013 6:15 pm

    I just want to ask if kelan ang starting day ng computation, the day you applied or the day you got the passbook/ATM, kasi minomonitor ko po ang every transaction ko, as of now below maitaining balance na siya pero the average of the amount is still higher the maintaining balance kaya ang problem lang po if when ako mag i-start ng computation… it’s an interval of 7days kasi… baka kasi ma miscalculate ko ii… thanks sa mga magsasagot…

  155. Nors on August 15th, 2013 12:44 am

    Hi Jaime, start from the day you opened your account. The below-maintaining-balance penalty is charged after 2 consecutive months that you fall below the required maintaining balance.

  156. Pikoy on August 16th, 2013 10:41 am

    I just wanna know if bdo passbook with atm ay same ang account or magkaiba. Hiwalay po ba pag madedeposito ka sa atm saka sa passbook?

  157. Nors on August 16th, 2013 8:22 pm

    Hi Pikoy, if you got them at the same time, they’re the same account. Your account no. is the no. below or above your name in the passbook. You can deposit over the counter with or without your passbook, and your deposit will reflect in your atm balance if you make an atm balance inquiry. You can have your passbook updated monthly or occasionally.

  158. Jonely Balacuit on August 17th, 2013 9:56 am

    Good day!! I have savings account for 15 months for the amount of 80k which is I did not check online or in the ATM machine to check here in united state, I am just curious if how much I earned since its been a year that I never touch it. I am hoping for your positive response, I am confuse how to calculate it.. Thanks po.. Waiting for response

  159. Jonely Balacuit on August 17th, 2013 9:58 am

    I just wanna know how much is the interest to my savings I’ve earned.

  160. Nors on August 17th, 2013 10:28 pm

    Hi Jonely, I wished you put in time deposit so it could have earned a bit more. Anyway, deposit something into this account before the 24-month period is over so it will not become dormant. 0.25% a year na lang ang interest ng BDO savings account, then mababawasan pa itong small interest ng 20% for tax; so baka wala pang 200 pesos ang interest. Pero ang important, meron kang savings na hindi mo ginagalaw.

  161. Jonely balacuit on August 18th, 2013 1:17 am

    You mean I’ve earned I ky 200 for the while year?o buwan buwan?i don’t know it it’s time deposit PO. Yeah I did not touch with attempt to check in any ATM machine here in Texas

  162. Jonely balacuit on August 18th, 2013 2:14 am

    so you mean only below 200 every month or for the whole year PO? Can you give me a formula how to compute it kung okay lag PO thanks

  163. Pikoy on August 18th, 2013 11:43 am

    So sir nors meaning to say if i got passbook w/ atm at d same time with same account at pedeng mag deposit wid or without passbook or kahit passbook lang ang dadalhin ko pag mag dedeposito pag nag widraw ako tru atm derecho kaltas ung laman sa passbook? So i think much better pala kung bdo passbook nalang para hindi ko basta basta mabawasan ung laman dahil sa passbook obligato ka pa pumunta sa bangko para lng makapag withdraw tama ba sir?

  164. Nors on August 19th, 2013 9:15 am

    Hi Jonely, kung atm o passbook ang hawak mo, that means savings. Kung time deposit certificate na 1/2 bond ang size ang hawak mo with atm or passbook, time deposit ang account mo. Ito ang common formula to compute bank interest. Ang magkakaiba lang diyan ay yong ginagamit ng bank kung 90/365 or 90/360 or iba pa at kung every quarter or every month nagco-compound ang bank, pero magkakalapit pa rin ang result. Yong 0.80 ay 80%, meaning 80% lang ang makukuha mo sa interest, kasi ang 20% ay pupunta sa tax.
    Your interest after the 1st quarter: 80,000 x 0.25% x 90/365 x 0.80 = 39.45
    after the 2nd quarter: 80,039.45 x 0.25% x 90/365 x 0.80 = 39.47
    after the 3rd quarter: 80,078.92 x 0.25% x 90/365 x 0.80 = 39.49
    So after 3 quarters, about 118.41 ang total interest mo.. Puede mo nang i-estimate yong total interest mo after 5 quarters.

    Puede ring simple computation na lang for the 18 months you had your deposit in the bank, para lang for estimate: 80,000 x 0.25% x 1.5 years x 0.80 = 240

    By the way, pag time deposit, ito ang interest rates, so compute using these rates: 50,000 to below 100,000 – 0.375% if 30 to 90 days at 0.625% if 180 or 360 days.

  165. Nors on August 19th, 2013 9:47 am

    Hi Pikoy, yes, tama ka sa idea mo about passbook lang without atm so it’s not easy to withdraw. Puede namang itago mo yong atm card mo at huwag mong dinadala

  166. Pikoy on August 19th, 2013 7:20 pm

    Ma’am nors another question po d ba pede nmn mag karoon ng atm at passbook w/ different account para hiwalay ang pera sa passbook at atm pag mag dedeposito at pag mag wiwidraw. Para laman lang ng atm ung magagastos na hindi ung pati sa passbook mababawasan?

  167. Ruby Ann on August 20th, 2013 8:20 pm

    Hi! Is it possible to open 2 accounts in the same branch?

  168. Nors on August 21st, 2013 7:43 pm

    Hi Pikoy, yes, puede kang mag-open ng 2 different accounts. Since meron ka nang passbook with atm, mag-open ka na lang ng atm savings account only at yong atm ng passbook mo, itago mo. Yong passbook with atm is for saving, and your atm-only account is for expenses. You can also enroll in BDO internet banking so you can transfer funds between your 2 accounts online.

  169. Nors on August 21st, 2013 8:19 pm

    Hi Ruby Ann, yes, pero in many branches, they require that the accounts should be of different type, example, passbook-only account yong isa, atm-only account yong isa. Pero tanungin mo pa rin yong the same type; be ready with your reason.

  170. Ray on August 21st, 2013 10:22 pm

    ask ko lang po my limit reached ba ang pag dedeposito sa atm ng pera unlike sa passbook or same lang po sila? Ty po

  171. Pikoy on August 21st, 2013 11:23 pm

    Really mam i can transfer funds between my 2 different accounts tru online anytime po ba or my oras even midnight nah? So panu po un for example u hav passbook only account and u also hav atm only account at madaling araw nag ka roon ng emergency since sa passbook sa bangko ka lang pede mag withdraw at kulang ang pera mo sa atm if ever na mag transfer ka online from passbook to atm mawiwidraw u ba agad ung natransfer u sa atm?

  172. Nors on August 22nd, 2013 5:02 am

    Hi Ray, what do you mean? Yong limit ng number of accounts na dinedepositohan at a time? Pareho lang. Ang alam ko sa BDO ay up to 2 accounts lang ang allowed na dedepositohan mo, at kung meron pa ay pipila ka uli. Yong mga deposit to cash cards, merong overall balance limit kada branch per day.

  173. Nors on August 22nd, 2013 5:51 am

    Hi Pikoy, yes, nata-transfer agad anytime online, and available agad sa atm. Pero to be sure, ask BDO kung puede nang i-enroll sa Internet banking ang passbook-only account.

  174. Ray on August 22nd, 2013 7:24 pm

    Gud eve, ask ko lang po kung mag oopen ako ng passbook account only makukuha ko rin po ba agad that day din unlike sa atm na u hav to wait for 1 wik pa bago makuha. Ty

  175. Nors on August 22nd, 2013 11:38 pm

    Hi Ray, yes, if passbook-only account, makukuha mo agad ang passbook mo.

  176. Ray on August 23rd, 2013 11:02 am

    Ma’am nors thank u so much for answering our questions its a big help for us specially for people na first timer at wala ng time pumunta pa sa bangko para mag tanong at para rin sa mga taong wala rin time tumawag. Its a big thing na my ganito meron kasing ibang tao nahihiya mag tanong masyado sa teller my iba naman na naaalala lang ang gustong itanong pag nasa bahay nah atlist dito u hav time to think para sa itatanong mo. My na encounter na rin akong ganitong site na kung saan pwede ka rin mag tanong kaso limited lang ang alam nyang sagot at d pa sure sa mga sagot nya na tinatanong namen ang dami ng question nakapending sa kanya until now wala pa syang nasasagot at kung masagot nya d pa sya sure ask nlang daw sa bdo at pakipost nalang din daw dun ung tanong nya na nasagot ng bdo kakatawa sya hehehe

  177. Pikoy on August 23rd, 2013 11:53 am

    Hi ma’am nors ask ko lang anu po ba pinag kaiba ng ordinary atm savings sa atm debit card un ba ung parang credit card na pedebg swipe specially if u dont hav cash in ur pocket? Ty

  178. Nors on August 23rd, 2013 4:38 pm

    Hi Pikoy, yes, ang debit cards puedeng i-swipe ng cashier sa supermarkets o stores here or abroad na merong swipe gadget na compatible sa global payment company ng card mo (Mastercard, Visa, Amex, UnionPay). Yong atm cards na linked lang sa local networks like Megalink, ExpressNet or Bancnet puede ring gamitin as debit cards kung merong Megalink, Bancnet or ExpressNet swipe gadget ang cashier. The cards should have enough funds. Para sure, ask first the cashier before getting goods.

  179. Nors on August 23rd, 2013 4:51 pm

    Hi Ray, thanks so much for taking the time to express your appreciation of my blog. Nakaka-inspire. Sa totoo lang, mahirap ding magsasagot about BDO kasi there are issues na hindi pare-pareho ang policies ng BDO branches. Sa Xoom ko na lang, some branches require na dapat daw doon ako mag-cash-out sa branch ko. Yong iba, kelangan nila xerox ng IDs; yong iba hindi naman. Yong iba, hahanapin ang BDO atm card ko; yong iba paulit-ulit nilang tanungin kung in peso ko kunin ang remittance. While waiting in different BDO branches, makikita mo rin na iba-iba ang mga sagot nila minsan sa mga clients asking the same question.
    But I try my best. I learned to say “I think” or “I’m not sure” or “call BDO to confirm my answer” in certain cases, para I don’t cause confusion. Thanks again.

  180. Pikoy on August 23rd, 2013 7:12 pm

    Mam nors my tanong ung frend ko balak kc nya mag open ng passbook only account sa bdo tomorow kaso wala syang hawak na cash worth 5,000 nasa cheke daw pede ba un mam ung cheke gagamitin pang open ng passbook only account or kailangan talaga ng cash? Salamat :)

  181. Nors on August 24th, 2013 9:01 am

    Hi Pikoy, sorry hindi ko sure kasi I haven’t experienced this at BDO. Pero I think if it’s a manager’s check, they will just ask for some cash to add to the check. Sa BPI, they accepted my sister’s manager’s check when she opened an account, but they asked her to leave the check and return after 3 days. If your friends likes to know a low-initial-deposit account, there’s this BPI Easy Saver

  182. Pikoy on August 24th, 2013 11:07 am

    Actually maam nors ung cheke kc na un is from PCSO check worth 150k she won lotto 5 digit number and she decided nalang i-claim ung prize tru check instead of cash. Pero ty po maam sa info :)

  183. noli on August 25th, 2013 8:27 pm

    hello po…
    ask ko lang if iwiwidraw ko po ngayong araw na to yung 2000 ko sa atm na may maitening balance po na 2000.. ang laman pa po ng atm ko is 2018p. for the 2 consecutive months rules. will i be penalized on the sept 30 or oct 31 ?

  184. Nors on August 25th, 2013 11:33 pm

    Hi Pikoy, maganda yan at idedeposit niya para di magasto. congrats…

  185. Nors on August 25th, 2013 11:38 pm

    Hi noli, Aug 25 pa lang ngayon na pagwidro mo, so magiging below 2k ang average daily balance mo for Aug. So sa month of Sep na hindi pa rin ma-maintain, mababawasan na ng 300 for penalty on the last minute of Sep 30.

  186. Pikoy on August 26th, 2013 8:41 am

    Mam nag open kasi ung teller sa kanya ng optimum savings account or pede rin daw super savings account kung gusto nya lang since nasa 150k nmn daw ung idedeposito nya but still pinili ng friend ko ung ordinary passbook only account lang at my nabasa kame sa blog na ung sa passbook only account daw is fixed lang ung interest kahit gano kalake ung ipasok mong pera tama ba un? Ano po ba ung pinag kaiba ng optimum savings account personal sa commercial at super savings account sa super saving account atf? Salamat :)

  187. kimbwy on August 26th, 2013 1:53 pm


    Currently, I am holding a peso ATM card with a maintaining balance of 2000php.

    I want to clarify the policies regarding penalty:

    It takes one month (30 days) before you get penalized, right?
    Before you get penalized, though, when you replenish your maintaining balance before the 30th day, you won’t get penalized, correct?

    Then how come, according to my transaction records as well as my personal written financial trackbook, I got penalized when I have replenished my maintaining balance last July 30th and haven’t touched it until today, August 26th?

    That is, since I replenished the 2000 maintaining balance on July 30th, and I only withdrew 1000 today, which supposedly, I should have a remaining 1000 more. However, my transaction records show that 300 has been deducted and my remaining balance when I withdrew 1000 today, August 28 is only 757.

    Is there any possible reason I should get penalized despite the fact that I have replenished my maintaining balance?

  188. Nors on August 27th, 2013 5:43 pm

    Hi Pikoy, ang regular passbook account sa BDO earns only 0.25% a year; for all amounts ito. Ganito naman ang regular savings account, walang tiers or levels, kasi kung malaki na ang pera, at hindi pa naman kelangan, usually, inilalagay na sa time deposit. Yong Optimum savings, ang rate ay hindi nakasulat sa website nila, pero sa time deposit nila, ang interest rate nila for 100k to 200k at 0.75 per year. Ang difference lang naman ng savings with Optimum or Super Savings ay minimum deposit amount at interest rates for certain deposit brackets. For personal Optimum, the minimum is 30k. Personal Super Savings, 100k ang minimum. Ang commercial Optimum, 100k ang minimum.
    Puede namang iwanan ang 10k or 20k sa regular passbook (depende sa expected need) and then put into time deposit 140k or 130k, and choose 180 days or 360 days, and auto renewal.

  189. Maria on August 28th, 2013 10:00 am

    Hi, I have a payroll account with BDO but my savings account is with BPI. I plan to close my BDO payroll account (employer contract expiration) and transfer the funds to my BPI savings account. I’d like to ask if I should still transact this procedure with a bank teller? If so, will this process incur any closing fee? Or can I just simply withdraw the cash from ATM?

    If I withdraw through ATM, won’t I be penalized for this? If Im not mistaken, maintaining balance for payroll is Php 100, right? Hope you can help me out.

  190. Nors on August 28th, 2013 11:25 pm

    Hi Maria, there’s no closing fee, as I assume you have used this account for more than a month. So you can get everything including the less-than-100-peso amount, you can withdraw all your balance over the counter. Or if there’s a balance of let’s say 298 pesos, you can use it to pay at a BDO dept store or supermarket, so you can use all the 298 pesos. The account will close automatically later on.

  191. Precious Sanidad on September 24th, 2013 3:10 pm

    Hi I just want to ask if 5000 pesos ang maintaining balance ko from 6000 peso na laman then winithdraw ko yung 3000 pesos. Which would leave 3000 na lang then mdeposit ko agad within 2-3 days, meron pa din bang penalty? Thanks

  192. Nors on September 24th, 2013 4:52 pm

    Hi Precious, is this a BDO passbook account? Kung merong at least 6 days na andon yong 6k, kahit naging 3k lang for 3 days, mahahabol pa yong daily average na 5k. Basta make sure na hindi magkasunod na buwan ang hindi mo pagka-maintain ang required balance.

  193. Grasya on October 1st, 2013 8:00 am

    Hi.. I would like to ask po sana regarding my husband’s ofw account. Kasi po we deposited 85k on that acct tapos binawas na nila yung sa auto loan and home loan. So around 33k po ang natira na supposed to be pwede ko mawithdraw. Nagtataka lang ako at yung available balance namin which is supposed to be withdrawable eh nag negative 2500 tapos yung 33k na pwede ko pa sanang mawithdraw eh nasa current balance na. Hinold ba ito ng bank? For what reason? And pwede ko pa ba ulit mawithdraw? Hoping for your reply kahit medyo di related sa blog mo..

  194. Nors on October 1st, 2013 10:31 am

    Hi Grasya, kung negative yong available balance, wala kang mawidro. Baka meron pa kayong 35,500 na automated debit payable, kaya -2,500 ang available balance. Or puede ring meron kayong check issued na hindi sufficient yong 33k at initial penalty yong 2500. Pero siempre, guess ko lang ito, so the best way is to call now BDO and ask para masabi nila kung bakit na-hold ang 33k at merong -2500.

  195. gem on October 9th, 2013 8:54 pm

    good evening po mam sir ,first time ko po mag oopen ng account ,[saving account with passbook ]pwede ko po ba malaman kung anu po ang kailangan,anu po ang balance,interest at at paano po kapag foreigner[husband] ang mag sesend ng pera sa account ko . maraming salamat po ….

  196. Nors on October 12th, 2013 10:20 am

    Hi gem, kung meron kang remittance receipt, puede kang mag-open ng Kabayan account sa BDO. Bring 2 valid IDs and 1 ID picture plus remittance receipt (to show you will money from abroad). Yes, your foreigner husband can remit to your account.

  197. Marz on October 13th, 2013 8:34 pm

    Hi, good evening, I would like to ask, what if wala po akong transactions both bdo & bpi within 2 years, but still meron pa po akong maintaining balance both savings account, what would happen to my account? Nandito po kasi ako Singapore, then pag alis ko ng Pilipinas, hindi ko na update ang savings account ko, ano po bang pwede kong gawin? Thank’s..

  198. Nors on October 14th, 2013 12:39 am

    Hi Marz, lumipas na ba ang 2 years na walang transactions itong mga accounts? If yes, sa BPI, ma-hold lang ang account mo kasi dormant na ang status, but with no penalty, kasi sabi mo na-maintain mo ang maintaining-balance requirement. Ganon din palagay ko ang BDO. Hindi mo naman mapadalhan na itong mga accounts kasi naka-dormant na; so pag-uwi mo, just visit these banks with your IDs and reactivate them. Huwag lang paabutin ng 10 years na naka-dormant. After 10 years, dormant accounts are turned over to the BSP at hindi na makukuha ng depositors.

  199. Marielle on October 23rd, 2013 1:44 pm

    I have a BDO DEBIT CARD card but has no mastercard or visa card pic on the card… can I swipe it when shopping?

  200. Nors on October 23rd, 2013 10:01 pm

    Hi Marielle, yes, at SM department stores, SM supermarkets and accredited stores. Ask the cashier first before getting a product.

  201. Jovelyn Parungao on November 1st, 2013 5:47 pm

    Hi poh,,,
    Ask q lng poh sna,,, nag open poh aq ng account last nov 25 2011,,bdo kabayan savings, then nagdeposit poh aq january 29 2012 ng 5, 686.28 php d2 na aq sa saudi ngdeposit,,, ask q lng poh kng ndi nwla ang dineposit q,, atska ask poh sna kng pwede q ba mgmit itong atm q for checking my balance,,,, first timer q poh kc kya I dont know:)

  202. Nora on November 1st, 2013 7:48 pm

    Hi Jovelyn, andon pa ang pera mo sa Kabayan account mo. Buti na lang more than 5k ang nadeposit mo, kasi hindi na siya Kabayan, regular passbook account na siya, at 5k na ang maintaining balance requirement niya. Malapit na rin siya ma-dormant (2 years without transaction). Did you change your PIN before while you were in the Phils? Does your atm card have a Mastercard logo? If yes, you can withdraw at an atm that has the same logo. Balance inquiry fee abroad is US$1 and withdrawal fee is US$3.50. Para hindi ma-dormant, you should deposit any amount to it (puedeng magpadeposit ng kahit 200 to 500 pesos lang sa Phils) or withdraw all of it before 2nd week of Jan 2014.

  203. Lady on November 5th, 2013 9:26 pm


    I have a BDO ATM Savings account that requires a maintaining balance of P2,000 and I think I need to deposit P2,000 din every month. Above 2,000 naman ang saving ko pero I failed to deposit this month and just today wheb I checked my balance nabawasan na po ng 500 ang savings ko. Was it because di ako nakapag deposit?

    Thank you so much for your reply.

  204. Nora on November 7th, 2013 4:52 pm

    Hi Lady, 300 pesos lang ang penalty for lower-than-minimum-balance penalty, so malamang na hindi ito ang reason. At saka it’s not required that you deposit 2k every month; what’s required is to make sure that your balance is always 2k or higher. Puede namang maging lower than 2k for some days but you have to deposit a higher amount the next days so that the monthly average daily balance is still 2k or more. Call BDO and ask why your account was reduced by 500 pesos.

  205. xhrishna samaniego on November 20th, 2013 7:34 am

    ask ko lng po…kasi naubos q ang maintaining balance ko na 2k…then hndi ko cya nahulugan mga buwan ng nkalipas. mga 5 mnths..closed npo fs account ko..tnx

  206. joanna marie on November 21st, 2013 7:17 am

    hi po ask ko lang if sa saving account kinuha ko ang 5k magkanu penalty if d ko na nahulugan ng close na cxa..tapos bgla ko kumuha ulit pwede pa po ba ako mag open account ulit o ng panibago tnx txtbk…

  207. Nora on November 22nd, 2013 6:08 am

    Hi xhrishna, if you left nothing in your account for 5 months, your account is already closed. To be sure, make balance inquiry at a BDO atm machine; if closed, it will say “account invalid” or “account does not exist”.

  208. Nora on November 22nd, 2013 6:50 am

    Hi joanna, pag zero balance na, mako-close na siya. Yes, you can open another account. Para easier, open in another branch, although they can still see your closed account.

  209. xhrishna samaniego on November 22nd, 2013 8:06 pm

    pno po ggwin ko…pra ma open ko ulet account ko..tnx

  210. bheng on November 23rd, 2013 11:28 pm

    hi! po. tanong ko lang kung lalago po ba ung pera ko pag nagsavings ako sa bdo.halimba ung isavings ko is 10k. magkano ung total savings interest ko sa loob ng isang taon?

    sincerely thanks…

  211. Nora on November 24th, 2013 6:37 am

    Hi xhrishna, na-closed ba na walang balance? Just open a new account in another branch because if you reopen a closed account, you’ll pay penalties. Na-closed ba dahil dormant? Then go to your branch with your IDs and re-open your account.

  212. Nora on November 24th, 2013 8:10 am

    Hi bheng, konting-konti lang, baka less than 50 pesos (.375% interest rate per year), kasi may 20% tax pa. Parang wala. Pero mag-save ka pa rin, and then pag nakaipon ka na, you put it in time deposit.

  213. Melvin on November 25th, 2013 6:24 pm

    hello po..maam nors nag open po ako dito sa taiwan ng BDO kabayan savings account ko pwde ko po bang magamit ito pra sa online marketing pra pambayad,activated npo ba kaya?salamat

  214. Nora on November 25th, 2013 10:10 pm

    Hi Melvin, if you mean online purchases, sorry, you can’t use your BDO Kabayan account to pay Internet merchants. There’s BDO Internet banking but you need to register and activate your registration through a BDO atm here, and you can pay only merchants that are registered with BDO like PLDT, Meralco, Cebu Pacific, etc.
    About your atm card, you can activate it only here in the Phils. What is active is your account, which means you can remit to your account or somebody in the Phils can deposit to your account over the counter.

  215. Rodalyn on November 30th, 2013 12:58 pm

    Hello po, gusto ko po sana malaman ano mangyayari kapag po nakapag-withdraw ako last tuesday at nagamit ko po yung maintaining balance ng bdo atm debit card na 2000 then ang natira po ngayon sa atm ko ay 600, kailangan po ba magdeposit po agad ako ng 2000 asap? At wala po ba ako magiging penalty? Thanks po

  216. Grace-anne on November 30th, 2013 1:31 pm

    Sir concern ko po di aq nkpgdeposit ng required na amount sa 1month i min nglapsed po pano po ung interest ng pera kc i have a savings account tru passbook.,tnx

  217. julius gato on December 1st, 2013 9:36 pm

    Mam/sir ask ko Lang po.sabi po Sa pinas close acount na po ako nakapag deposit po ako bago po ako nakapag abroad.mag 9 months na po ako di nakapag parin po ba??? thank you..

  218. Irene genete on December 2nd, 2013 1:15 am

    Hello po..ask ko lang po,yung bdo acct ko po hindi ko namonitor and when i checked nag zero na sya..the problem is,my brother from saudi sent money sa acct ko..what will happen po?di po dapat ndi na mag push thru ang trnsaction?or babalik ang pera sa acct nya?thank you po in advance

  219. Nora on December 2nd, 2013 10:50 am

    Hi Rodalyn, dapat ma-maintain mo ang 2k plus sa account mo this December. On the second month na below maintaining balance ka, magkakaroon ng penalty na 300 pesos per month. Habang tumatagal na hindi mo madepositohan, dapat mas malaki ang ideposit mo para ang average daily balance ay 2k or more. Kung 2600 ang balance ng account mo since Nov 1 at 600 since Nov 26: 2600 x 25 days plus 600 x 5 days = 65k plus 3k = 68k / 30 days = 2,267. Ito ang average daily balance, okay ito kasi more than 2k.

  220. Nora on December 2nd, 2013 10:53 am

    Hi Grace, dapat ngayong 2nd month, 5k or more ang maging average daily balance mo. Since Dec 2 na today, magdeposit ka ng around 5500. Malamang na meron ka nang penalty na 300 pesos on Dec 31 if your average daily balance is less than 5k. Tingnan mo yong computation ko kay Rodalyn.

  221. Nora on December 2nd, 2013 11:53 am

    Hi julius, dapat active pa. Kung 5k or more ang nadeposit mo, active pa yan kahit you have not deposited to it within a year. Pero if this is Kabayan, it will be convered into a regular passbook account, which requires a 5k maintaining balance. If lower than 5k ang nadeposit mo, dapat depositohan mo to accumulate 5k or more before mag-exceed ng 1 year. If you’re not able to, pawidro mo na lang, kaya lang you can only do this if you left your atm and it was activated before you left. By the way, sabi mo close account na? Did you call BDO? If it’s BDO who told you, then it’s already closed. If not, you can call BDO from overseas or you can ask someone to deposit into your account maybe 100 pesos at a BDO branch to test if your account is still active.

  222. Nora on December 2nd, 2013 11:57 am

    Hi Irene, if the account is already closed, the remittance/deposit will not push through. Ask your brother to return to the remittance company and modify his remittance by making it FOR CASH PICKUP by you, so you can just get your remittance in person at a BDO branch with your remittance reference no. (from your brother). You can also call BDO and ask if your account is still active.

  223. Joanna on December 9th, 2013 7:53 pm

    If Dec 9 po nag open ng account atm with passbook tapos agad ng binigay ung passbook pero ung ATM one week pa, automatic na po ba nakaactive yung account ko dahil may passbook na?

  224. Nora on December 10th, 2013 7:43 am

    Hi Joanna, yes, you’re right. Puede nang magdeposit sa account o magremit to the account.

  225. Aldrin Edwin II Realin on December 10th, 2013 5:11 pm

    Ilang araw ko po makukuha yung pinadala sa akin ng tito ko na pera na hinulog nia sa atm kabayan savings account ko bli c tito taga isabela province sa region 2 eh ako man dito nandito sa paranaque? at magkanu man charge ng deposit nia sa akin o babayaran nia sa pagdeposit ng pera sa account ko.

  226. Nora on December 11th, 2013 6:47 am

    Hi Aldrin, dapat a few minutes na pagkadeposit sa Isabela sa Metro Mla account mo ay available na for withdrawal sa Paranaque. Except lang kung nag-offline ang system nila. Check na lang sa atm machine. Between 50 to 100 pesos ang interregional deposit fee.

  227. Pers on December 14th, 2013 12:17 pm

    Hi, I have savings account in BDO with P2000 maintaining balance and i’m planning to withdraw P1500 from it on Dec 18. Is there a penalty if i’ll deposit at least P2000 on January 13th so it will again be above the required maintaining balance?

  228. Nora on December 14th, 2013 5:52 pm

    Hi Pers, if you do what you said, you’ll be below your maintaining balance this Dec 2013 and Jan 2014, and you will be deducted 300 pesos on Jan 31 or Feb 1. If you deposit on Jan 13, you should deposit at least 3,900 or 4k so that your average daily balance for January will be at least 2k.

  229. Pers on December 16th, 2013 5:56 pm

    Hi, so you’re saying that if I deposit at least P4000 on January 13, BDO will not deduct P300 from my account? Thank you!

  230. Nora on December 16th, 2013 9:10 pm

    Hi Pers, yes, basta na-maintain mo ang 2k average daily balance in Nov 2013, para first month pa lang na below required balance ang month of Dec 2013, at huwag mo munang bawasan for the whole month of Jan 2014 ang 4k na balance para ganito ang computation: 500 x 12 days (Jan 1 to 12) plus 4000 x 19 (Jan 13 to 31) = 82000. Divide by 31 days = 2645. Sobra pa ito sa 2k pero mas okay para safe. If you like, mag-compute ka rin, sundan mo lang yong ginawa ko. Magtanong din sa iba.

  231. Jaime on December 19th, 2013 2:48 pm

    Hi ask lo lng po regarding bdo kabayan savings ko, i opened it last june this year pero hindi ko sya nahulugan after i opened my account kc po im planning to enroll it online so para maview ko ang transaction but i found na kelangan pa pala i update via atm. Kaso andito po ako abroad, and im going to philippines this january, open pa po kaya ang kabayan savings account ko?

  232. Nora on December 19th, 2013 10:13 pm

    Hi Jaime, yes, dapat active pa ang Kabayan mo this Jan kasi wala pa siyang one year in Jan. Pagdating mo, depositohan mo and then register it online, and then activate it through a BDO atm. Then when you’re abroad, you remit to it so it remains a Kabayan account and not be converted into a regular account which requires a 5k maintaining balance.

  233. vj on January 10th, 2014 5:37 pm

    Goodmorning po! I just want to inquire regarding the kabayan savings account i opened last march2012. I deposited 1k pesos but until now i haven’t made any transaction on the said it already converted to a regular savings account? and have they deducted the dormance fee from that account? Can i still use that savings account? Thank you po ^_^

  234. Nora on January 10th, 2014 11:00 pm

    Hi vj, if your 1k deposit was an over-the-counter deposit and not a remittance from abroad, sorry I think your account is already closed. Your Kabayan turned 1 year in March 2013, and since it did not have a foreign remittance, it was converted into a regular passbook account. This requires a 5k maintaining balance, and since there’s only 1k there, the penalty of 300 pesos a month already wiped out the 1k you deposited.
    On the other hand, if that 1k was a foreign remittance, I think it’s still active. To be sure, call BDO, or ask someone to deposit 100 pesos to your account to check if it’s still active.

  235. Francis on January 29th, 2014 1:36 am

    Hello, I currently have a BDO Peso ATM account. pwede ko bng i-upgrade ito into Peso Passbook Savings Account (with or without ATM)? or do i have to open another account for Peso Passbook Savings Account (with or without ATM), tapos close ko na ung Peso ATM account ko. Thanks.

  236. Nora on January 29th, 2014 3:38 am

    Hi Francis, your second statement is correct — opening your passbook account and then closing your atm account. Take note that the maintaining balance requirement for a BDO passbook account is 5k.

  237. kvenzon on February 2nd, 2014 12:23 am


    Nagopen ako ng account na maxi-saver savings account sa BPI last october 2013, meron lang akong idineposit na 300 pesos that day, until now di ko pa ulit nahulugan. Then I checked tru online, may kaltas na penalty na 250 last 31DEC13 and itong JAN2014 , so wala ng natirang balance sa ccount ko. Gusto ko magdeposit ng 50K, I asked one of the agent ng BPI to check if my account still valid, sabi valid pa nmn and active pa din. Makakaltasan ba ako ng penalty just incase mag hulog ako ng 50K this month? Since October til now di pa ako nakakapaghulog ulit? magkakaroon ba ng problema o magkakaroon ng deduction or penalty? Please reply , tnx.

  238. Nora on February 2nd, 2014 8:24 am

    Hi kvenzon, merong tag ang account mo, at kapag depositohan mo, mababawasan ng 200 pesos (for your Jan2014 penalty: 250 minus 50). Possible pa na merong 250 penalty this Feb if you deposit 50k late in Feb, kasi 50k ang maintaining balance ng Maxi-Saver sa BPI. I suggest mag-open ka sa BPI Family na lang, 25k lang ang maintaining balance ng Maxi atm savings doon, at para ang 50k mo ay qualified na agad for interest sa BPI Family.

  239. John on February 6th, 2014 10:57 pm


    I’ve opened a BDO Peso Passbook Savings Account w/ ATM yesterday. My question is pwede na ba akong mag deposit sa account ko kahit wala pa yung ATM? pero may passbook na ako or kailangan ko pang hintayin yung ATM which is 5 banking days pa bago ma release. Thanks

  240. Nora on February 7th, 2014 12:34 pm

    Hi John, yes, puede ka nang magdeposit sa account mo kahit wala pa ang atm card mo, kasi active na ang account mo. Puedeng magdeposit kahit hindi mo dala ang passbook, basta alam mo ang account no. mo.

  241. Anne on February 7th, 2014 6:35 pm

    Good day ma’am,

    may savings po ako sa BDO na ang maintaining balance is 2000, then I withdraw the 1500 yesterday my balance now is 500 and sa feb.17 pa po ulit ako mag dedeposit ng 2k., maba2wasan po kya agad yun ng 300?., Thanks..

  242. Nora on February 8th, 2014 10:46 am

    Hi Anne, kung merong 2k sa account mo in January from Jan 1 to Jan 31, wala pang bawas. Merong penalty kapag you fall below the maintaining balance for 2 consecutive months. Make sure you don’t fall below the required balance in March.

  243. Lhen on February 13th, 2014 10:00 am

    Hi pwede po bang mag apply ng debit card ang kagaya ko pong housewife?! Ang income ko po ay nanggagaling sa padala ng husband ko from guam.

  244. tine on February 13th, 2014 11:35 am

    hi po. Ask ko lang what if magdeposit ako sa atm savings account ko, may charge ba yun? or pag hindi ako nagwithdraw for 1 year? saka pag icclose account ba if ever may babayaran pa?

  245. Nora on February 13th, 2014 8:09 pm

    Hi Lhen, yes, puede ka basta meron kang 2 valid photo IDs plus 1 ID picture. Sa Occupation portion sa application form, isulat mo Housewife with remittance income from Abroad. Ang regular atm savings account (puedeng debit card, merong Mastercard logo), merong 2k maintaining balance requirement.
    You can open a Kabayan savings with atm card and passbook. Wala itong maintaining balance requirement. Pero you need to present your latest remittance from Guam to prove you’re receiving remittance from abroad.

  246. Nora on February 13th, 2014 8:14 pm

    Hi tine, walang charge ang magdeposit sa atm savings account. Meron lang charge kapag ang account mo ay inopen sa Metro Manila, tapos magdedeposit ka outside Metro Mla or vice versa. Maganda kung hindi ka magwidro in 1 year para makaipon ka. Ang merong penalty ay kapag hindi ka nagwidro o nagdeposit sa loob ng 2 years — this is called dormancy. Kapag ang account ay lumagpas na ng 1 month, walang charge kapag i-close ang account.

  247. AJ on February 19th, 2014 12:10 pm


  248. hernie villegas on February 19th, 2014 2:24 pm

    hi, ask ko lang po sana if wala po bang problema ang accounts ko sa bdo. naclose po kasi ang dating account ko sa sm branch nila tapos nagtry po ako magopen uli doon ang sabi after 6months pa,kaya nagopen na lang po ako ng new account sa other branch ng bdo hindi po kaya bawal yon?

  249. hernie villegas on February 19th, 2014 3:29 pm

    hi ms. nora ask ko lang po kung walang maging problema sa account ko ngayon na newly open sa ibang branch ng bdo.kasi na close na po yung dati kong account sa sm bdo branch.tnks o

  250. Nora on February 20th, 2014 5:46 pm

    Hi AJ, ang BDO hindi na mare-retrieve ang PIN kasi system-encrypted ang PINs, so ang remedy is to apply for a new atm card and enter a new PIN. You pay around 120 pesos for the new atm card.

  251. Nora on February 20th, 2014 9:46 pm

    Hi hernie, pinag-open ka naman sa another branch, so walang problem. Itong another branch, nakita rin nila na meron kang closed account, pero pinag-open ka naman, so your account is good and active.

  252. jephreigh vinz on February 28th, 2014 6:25 pm

    Hi! gusto ko lng po sanang itanong kung closed na po ba ung account ko?kasi nag open po ako ng acct.s BDO, ATM with passbook po un at 500 lng po ang laman at hindi ko na po nahuhulugan mula nung inopen ko po..Taon nrin po ang nakararaan..thank you po..:)

  253. Nora on March 1st, 2014 10:34 am

    Hi jephreigh, 500 ba? or 5000? Kasi 5k ang opening amount ng BDO passbook account. Or meron ka bang referral? Kung 500, closed na po yan, dahil 5k ang maintaining balance ng BDO passbook account. Try to make balance inquiry at any BDO atm. Closed na kung makita mo ang “Invalid Account” or “No existing account” or “Closed account”

  254. Sheena May Andal on March 6th, 2014 3:05 pm

    Good day! Pano ko po ma-activate ulet yung account ko? Nag fall po kse sa maintaining balance nya then nag ZERO BALANCE na po yung account ko. After a few days, INACTIVE na po nka display sa online banking ko. Eh me remittance po sken from abroad so nag try ako mag check sa ATM MACHINE. Pag tntry kong mag balance inquiry, nag wwhite screen lng then ilalabas na ulet yung card ko. What to do po? Thankyou!

  255. Nora on March 7th, 2014 8:23 am

    Hi Sheena, go to your BDO branch asap with your IDs and request to reactivate your account. Tell them a remittance has been sent to your account. You might be required to pay penalties so bring at least 300 pesos (might be 600 pesos). If you can no longer reactivate this account, ask your sender to go back to where he remitted money and make a remittance amendment — meaning change the remittance mode to BDO “FOR CASH PICKUP”, writing your name and address and contact nos. Tanungin mo na rin yong BDO kung ganito nga ang gagawin para sure na sure

  256. jino on March 8th, 2014 4:28 am

    hi maam nora. my bdo account was closed because i wasnt able to maintain the required maintaining balance i think its been 1 or 2 months now..i want to re open my question is. is there a penalty for this and if it has how much and/or how many months shall i pay the penalty?thank you..

  257. Nora on March 8th, 2014 8:42 am

    Hi jino, I’m not sure if BDO allows reopening of closed accounts; BPI allows reopening. But you can try by going to your branch with your IDs. You might be required to pay 2 months of penalties (300 pesos x 2 = 600 pesos) or 3 months. If you don’t have a valid reason to reopen this account, like expecting a remittance to this account, you can try opening a new account at another branch to avoid paying penalties.

  258. Gesophie on March 11th, 2014 9:06 pm

    Hi, just want to ask how much will be the penalty if I have 250k 6 mos time deposit, withdraw will be before the maturity. Thanks

  259. lian on March 12th, 2014 9:02 am

    hi, ask ko lang po if pwede ba ako humingi ng record ng joint account even closed account na? need kc sa visa partnership application. tnx

  260. Nora on March 12th, 2014 12:04 pm

    Hi Gesophie, if their policy has not changed, if it’s less than a month from when you deposited it, there’d be a penalty of 500 pesos. If it has been more than a month already, you get your 250k, plus maybe some cents or pesos as interest — the interest rate reverts to the regular savings interest rate which is parang wala, 0.25% na lang yata ngayon. If you don’t need the whole 250k, you can tell the bank officer you’re getting only the money you need, and then put the rest into time deposit for 3 months with auto-renewal.

  261. Nora on March 12th, 2014 12:48 pm

    Hi lian, ang alam ko, hindi, kasi hindi na siya active. If recently closed pa lang, ask if you can reactivate it. You might be required to pay penalties.

  262. mia on March 14th, 2014 9:38 am

    hi ask ko lang nag open ako last week ng atm debit card sa bdo..papalitan ko na sana sya ng desired pin ko..kaso wala nmn skn bngay na current pin bago ko palitan ng 6 digits desired pin..ok lng ba na kht anong current pin ang itype?bago ko itype ung desired pin ko na ako lang nakakaalam? ask ko nadin ung atm debit ko walang mastercard logo?anong pinagkaiba ba nun sa may visa/mastercard logo?2k ung maintaing balance ko.pls reply asap thanks

  263. Nora on March 14th, 2014 4:00 pm

    Hi mia, yes, kahit anong current or default 6-digit ang ilagay mo. 123456 usually ang ibinibigay nila. About sa walang Mastercard logo, ibig sabihin pang-withdraw o balance inquiry lang ang atm card mo; hindi siya puedeng pang-debit swipe sa abroad at sa mga Mastercard/Visa-linked stores.

  264. Grace on March 17th, 2014 6:59 pm

    Hello miss nora. Please help me. I have a Peso Savings Account on BDO Bohol.

    I went there to ask on what is the rule on ADB and Fee for Accounts falling below ADB.

    Per BDO flyer, it says that you will deduct 300 pesos if the account falls below ADB for 2 consecutive months. I wanted to confirm, so asked a personnel in my home branch. She said that that the “2 consecutive months” rule does not apply on Peso Savings. How is that so? Please make it clear. Because a 300 pesos means a lot for a person who earns it the hard way.

    I have trusted BDO with my savings because BDO has always been the best bank for me. Now I am thinking twice.

    Please please help.

  265. Nora on March 18th, 2014 2:36 am

    Hi Grace, the 300-peso deduction starts on the last day of the 2nd consecutive month the account falls below the balance requirement, and then 300 deduction every month thereafter, until the account is fully restored above the balance requirement. This means an account balance can easily turn to zero if it’s not monitored. If your account is the passbook type, you can close it, and then open the atm-based account — the balance requirement is lower (2k). The passbook account will increase its balance requirement from 5k to 10k in May 2014. For the 2k account, make sure there’s always 2k there, so you don’t need to worry about penalties. Check also from time to time if there are increases in balance requirements.
    If you like, you can open a BPI Easy Saver — no maintaining balance — but there’s a 5-peso charge for every atm withdrawal and balance inquiry.

  266. Zhaine Chavez on March 18th, 2014 4:08 pm

    Hi ,

    Asking lang about hte bdo cash card, i open lang today,
    then i deposit a 200 pesos for my account, they cahrged me 15 pesos.

    every deposit daw po 15 pesos ang cahrge. when po ine effect ito?

  267. Zhaine Chavez on March 18th, 2014 4:10 pm

    why po kaya may charge na 15 pesos every deposit? at kailan po ito nag start?

  268. Nora on March 18th, 2014 7:17 pm

    Hi Zhaine, wala kasing maintaining balance requirement ang BDO cash card, kaya nagcha-charge sila ng deposit fee. Jan this year yata nag-start ang charge. If you like, you can open an atm savings account — this requires a 2k maintaining balance. Puede ring ituloy mo na yong cash card mo; then you enroll your atm savings account in online banking, attach/enroll your cash card, so you can transfer money from your atm account to your cash card online for free.
    Merong BPI Easy Saver account — no deposit fee, no maintaining balance, no maximum balance limit, pero merong 5-peso fee for every withdrawal and every balance inquiry fee.

  269. Jonely on March 29th, 2014 2:55 am

    Good day! Ask Lang po ako paano po ba mag online banking? I’m here in texas at gusto ko sana ma check ang ATM savings account ko tru online, pero kailan po palang e register ang tm mo after mg sign up sa bdo online banking. Wala po kasing BDO ATM machine dito sa texas.. Please help me po….. Thank you!

  270. Nora on March 29th, 2014 8:44 am

    Hi Jonely, ichek mo nga today kung maka-re-enroll ka pa uli agad sa online banking, or you need to wait for the no. of days given you to validate your first enrollment before you can re-enroll? If allowed na, you enroll again, and then print the enrollment page (bago mo i-click yong Submit) plus the acknowledgment page. Sign those 2 docs on the lower portions and together with a copy of your IDs, send them by postal mail to: TBG – Business Support Fulfillment Unit – Enrollment Section, 7th floor South Tower, BDO Corporate Center, 7899 Makati Avenue, Makati City 0726, Philippines . Keep copies for yourself. Look out if this option appears during enrollment, and check it kung meron pa: “I do not have access right now to a BDO atm machine”. Hope you can comment again about your enrollment experience

  271. Norby on April 1st, 2014 7:23 pm

    hello po ask ko lang po pwede pa po ba magkaron ng passbook kung nakapagopen na ko ng atm debit card gusto ko kasi magkaron ng passbook yung account ko e.

  272. Nora on April 2nd, 2014 9:36 pm

    Hi Norby, sorry hindi puede ang ganyang conversion. You can open another account — a passbook with atm savings account. This account requires a 10k maintaining balance starting May 2014. Currently, the maintaining balance is 5k. BDO Kabayan is a passbook-atm savings account; you can open this if you’re receiving foreign remittances. You can close your atm account after a month para walang penalty.

  273. tin on April 3rd, 2014 10:14 am

    hi ms nora, every end of the month po ba ang 300 deduction? or it can be any day of the month? thank you.

  274. Nora on April 3rd, 2014 8:27 pm

    Hi tin, at the end of the month. The first deduction is on the 30th or 31st of the 2nd consecutive month na below-maintaining-balance, and then again at the end of the next month na below-maintaining-balance pa rin.

  275. jennifer peig on April 6th, 2014 2:28 am

    hello, im sorry but i have no time to back read, i want to ask about my scenario, i opened a peso savings account with atm and passbook, then almost a year after, i fell below the maintaining balance because i need a cash for an emergency way back january 2013, now i am curious if i will deposit the whole amount of 5k again will i still pay the 300 pesos penalty for every month that i did not deposit fund into it?

  276. Nora on April 6th, 2014 3:04 pm

    Hi jennifer, if you withdrew your 5k in Jan 2013, your account is already closed. You can open another account in the same branch or another branch. The maintaining balance requirement for BDO passbook account will increase to 10k in May; you might like to open an atm-only savings account — maintaining balance is only 2k.

  277. al tan on April 12th, 2014 1:00 am

    tanong ko lang po na kung ang savings ko ay 10k pesos ay ma-charge pa ako ng service fees for dormancy?
    paano naman po kung dollar account? ganon din po ba?
    secured po ba naman kung ilalagay namin ang pera sa time deposit saka ano-anong banko.
    salamat po

  278. Nora on April 14th, 2014 8:18 am

    Hi al tan, sa MORB ng BSP, savings and checking lang ang merong dormancy. Sa time deposit, automatic renewal ang piliin mo. I suggest BFI Family, and choose 6 months auto renewal. Puede ring 1 year auto renewal. Kung gusto niyong dagdagan, magdagdag kayo exactly on the auto renewal date. PDIC-insured naman ang time deposit/savings deposit up to 500k. At matagal naman nang bangko ang BPI. Puede ring BDO, Metrobank, PNB, Landbank, China Bank and the other top banks. Usually higher ang interest rate sa savings bank kesa yong parent bank nila, like BPI Family, China Bank Savings, PSBank (Metrobank).
    About dormancy penalty, walang penalty kapag above average daily balance. Kung yong 10k mo ay nasa account na ang maintaining balance requirement ay 10k or less, walang penalty. The same with dollar account. Clear ang policy na ito with BPI and BDO, it’s written in their website. PNB also, kasi my friend had an account na na-dormant at walang penalty. Meron akong napasok na small savings bank na merong penalty kahit above maintaining balance. I asked the teller; ganon daw talaga sa kanila. Hindi kasi super clear ang pagsulat ng BSP sa rule about dormancy.

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