BDO Deposit Accounts — Baka Maubos Imbes na Lumago

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

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

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

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

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

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

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

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

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

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

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

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

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

  14. Hello Miss Nors.

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

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

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

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

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

    thanks.

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

  20. Hi good day!

    I would like to know what will happen to my regular savings account after it has been marked as inactive just recently? Last December 5, 2016, I withdrawed almost everything from my atm because of emergency purposes so it happened that it was already below the maintaining balance. I was not able to make any transactions (deposit/withdraw) after that. But then I tried to deposit an amount just last week however I found it already inactive. I’m aware of the 300pesos charge monthly for the succeeding months it has been below the maintaining balance. The thing is, will my savings account be closed permanently after 3 months (maybe this coming March 5, 2017)? I’m planning to deposit into that account by march 10 though.. What should I do?

    P.S.: I’m also wondering how it has been marked as inactive even though it ‘s not yet been 3 months or a year has passed? And if I want to deposit directly into that “inactive” account from another bank, will it be possible? Will the money deposited? Please help! Thank you. ????

  21. Quick question Miss Nora, pwede ko bang i convert ang PASSBOOK savings account ko to PESO ATM savings account ? Yung 2k lang ang maintaining balance. I recently opened passbook savings account and initially deposited 10k .

  22. Hi miss Nora, may ask lang poh ako.. Bago ako bumalik dito sa saudi kumuha ako ng kabayan savings sa bdo.. Dala ko ang ATM card ko dito. Tpos ung Passbook iniwan ko sa pinas pra kada hulog ko ng pera patatakan ko un sa sis in law ko pra malalaman ko ang na pasok tlaga ang pera sa accnt ko. Tanong ko lang poh di ba mawawala ang savings ko pag uwi ko na e withdraw. 1St time ko kc kumuha ng savings accnt. Wala bang mga charges baka maubos lang pera na iniipon ko. Thanks sa reply..

  23. Hi Lhang, hindi mawawala ang pera mo, basta padalhan mo from abroad at least once every 12 months. Sabi mo naman, padalhan mo parati, so safe siya from penalties. Lalo na kung more than 10k na ang laman ng pera mo. After mapa-update sa BDO, ask your sis in law to photograph your passbook page and then send to you (via email or Facebook private message) para makita mo yong transactions mo. Hindi mawiwidro over the counter ang pera mo kasi hindi naman magagaya ng sis in law mo yong signature mo na naka-file sa BDO. At saka usually nire-require ang valid ID ng passbook owner.

  24. Hello, if i open an atm peso savings account in bdo is it the same as atm debit card which will have a logo of either visa or mastercard? It will be my first time opening an account and were planning to use it to pay for a booking thru online once my mom comes home … they’re only accepting credit or debit cards. And i’m confused on the different sites if atm pesos savings account and atm debit card is the same and has an important logo for visa or mastercard. Thank you in advance for answering my question.

  25. Hi Elena, yes, a BDO atm card is the same as a BDO ATM Debit Card (usually ito ang nakasulat sa atm card). May atms na merong Mastercard or Visa; meron ding wala. Tanungin mo lang agad na “puedeng yong merong Mastercard ang atm card ko para maka-book ako online?” Kasi usually they give the basic atm card pag walang request.
    Kapag yong web site na babayaran mo or bibilhan mo ay walang option na “debit card”, you can choose “credit card” kahit debit card ang card mo.
    If you like a second option, merong PayMaya Visa (for Globe and other mobile networks) or Smart Mastercard (for Smart) na you can buy for 150 pesos at Smart stores, loadan mo lang and puede mo nang gamitin to pay online. Puede ngang walang physical card, download mo lang yong apps from Google Play or Apps store to get your free virtual card (your name, your 16-digit card no., your 3-digit security code and your expiry date). You can also load these through BDO online banking (will be credited in 2 hours). PayMaya Visa / Smart Mastercard

  26. Hi Po Ms.Nora. Ano Po mangyayari kung ung maintaining balance Po Po Sa BDO savings account ay mababa na Sa 2k. Madedeactivate Po Ba agad Yung account? What if,Hindi pa Naman inabot Ng 2 months simula nung bumaba Yung maintaining balance at nahulugan siya. Inactive pa rin Po ba siya?, pwede Po bang ipa reactivate Yung account kung sakaling deactivated na Ito? If so? Paano Po? Maraming salamat po

  27. bakit po napenalty po ako ng 3 months 300 yung charge then before mag end po ulit yung month nakapag deposit ak oto maintain the required balance na 10k pero nagcharge pa din ng 200 nung end ng month?? ganun po ba talaga?

  28. Hi elmer, kung 200 ang nabawas sa iyo, ibang charge siguro ito, kasi ang penalty for below-maintaining balance is 300 pesos. Dapat 10k pesos ang average monthly balance mo. Dapat andon ang 10k pesos every day of the month para ma-maintain, hindi lang sa just before end of the month. Okay lang na hindi 10k ang balance every day kung sa ibang araw ay mas mataas sa 10k ang balance para kapag i-compute na yong average daily balance for the month ay 10k or more ang result. Para mas simple, dapat nasa account mo ang 10k pesos every day. Kung mahirap i-maintain ang 10k, mag-open na lang ng BDO atm savings account (2,000 pesos ang maintaining balance nito), at i-close mo na yong passbook account mo. Pareho naman silang savings account, ang pagkakaiba lang ay merong passbook yong passbook-with-atm account.

  29. hello po magtatanong po ako my BDO debit card na may logo na master card na nakalagay isang taong ko na po siyang hindi na gagamit ang tanong ko lang po dahil sa busy po ako nuon pa punta dito sa u.s kinuha ko po ang pera ko sa debit card at may 50 pesos lang ang naiwan ang concern ko lang po kung ang debit card ko po ba na ito ay naka close na?

  30. Hi claire, ang account mo ba ay regular BDO atm debit account? Ang nakasulat ba sa atm card mo is BDO ATM Debit card at wala kang Kabayan na passbook? If regular atm account, closed na ang account mo. Malamang na-closed noong 2nd month na 50 pesos lang ang laman. Puede mo namang try gamitin diyan sa any machine diyan with Maestro, or Cirrus or Mastercard logo, closed na talaga ang account mo kapag ang response is “no existing account” or different words but similar message.

  31. hi po, nag open po ako ng kabayan savings account last august 2015. nag hulog ako ng isang beses lang nung 2016 hindi ko na siya nahulugan after nun hanggang ngayon. pumunta po ako ng bdo branch sabi niya kaylangan ko daw mag hulog ng more 10k para hindi ako magcharge. binawasan na po nila ako ng 300. ayaw ko pa po sana iclose yung account. kaso lang mahuhulugan ko na siya ng tuloy tuloy dis coming may 2017. hindi po ba yun mag close agad yung accounr ko? pwede ko pa po bang gamitin yun?

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