BDO Deposit Accounts — Baka Maubos Imbes na Lumago

Updated May 6, 2014

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

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

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

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

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

 

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

Maintaining balance requirements for these BDO accounts:

ATM peso savings — 2,000 pesos

Passbook peso savings — 10,000 pesos

Kabayan peso or dollar account — None

 

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

 

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

 

your account is automatically converted into a regular passbook account,

 

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

Junior Savers — 100 pesos

Power Teens Club — 2,000 pesos

Prime Savers — 2,000 pesos

Optimum Savings (Personal) — 30,000 pesos

Direct Deposit Peso Savings — None

Peso checking — 5,000 pesos

Smart Checking (Personal) — 15,000 pesos

Checking Account with Automatic Transfer Facility — 25,000 pesos

 

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

US Dollar Savings — 500 US dollars

Prime Savers Dollar — 200 US dollars

Direct Deposit Dollar Savings — None

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

 

Related Articles:

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

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

339 Comments

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  1. hi po,ask ko lang po kasi may kabayan savings po ako na in-open ko nun 2010 ng june,then nag pasok ako ng december 2011 tru western union kasi nasa ibang bansa ako, if na naka dormant ang account ko makakapasok pa rin ba ang hinulog ko or naka hold lang po ito? ngayon napag alamanan ko na naka dormant daw at na 0 balance n daw ang account ko,..thanks.

  2. Hi evelyn, you should track your remittance in Dec 2011, naka-hold dapat yon. Kasi following the BDO rule na dapat merong deposit ang Kabayan within 12 months, na-close ang account mo in June or July 2011, so closed na ang account mo in Dec 2011. Call BDO or use this https://www.bdo.com.ph/contact-us Dapat ikaw ang mag-follow up, kasi ayaw ng BDO ang ibang tao, unless merong SPA.

  3. Hi Ms. Nors,
    May existing ATM Debit card ako pero walang Mastercard/VISA logo. Pwede bang i-upgrade siya para magkaroon ng MC/Visa logo at makapag-withdraw ako if ever I go on a trip abroad? Salamat.

  4. Hi ms. Nors, meron akong peso saving account sa bpi. Nasa above maintaining balance ang laman. Last na hulog ko ay nung feb 2012. After which i enrolled it sa online banking . Until this date may 2014 , i was not able to deposit kasi i am working in abroad. When i checked online, di na nagaappear yung saving account ko sa bpionline. Only my other account bpidirect ang naviview ko. Pls advise what will happen to my passbook account and why i cannot view it online?

  5. Hi Shaun, you can ask your branch for a replacement card with MC or Visa logo. You might be required to maintain a higher balance.

  6. Hi cris, your bpi account became dormant in Jan 2014. It’s good it’s above maintaining balance so there would be no dormancy penalty. When you come back here, reactivate your account in person at your branch with your IDs. Meanwhile, you can email bpi and ask if there’s a way you can reactivate your dormant account while abroad (mention where you are). expressonline@bpi.com.ph

  7. Hi po. Ask ko lang po kung mas maganda mag-save sa BDO kaysa sa BPI? May friend po kasi ako na nagsabi na mag-open na lang ako ng account sa BDO kasi may online banking sila.

  8. Hi karen, both BDO and BPI have online banking. Both are good banks. Choose which bank is nearer to your house or workplace, so you can easily deposit money every payday.

  9. hello,
    Good day!

    my husband is working in Canada… and instead of other remittance center we’re planning to open a kabayan acct..
    para mamonitor din.. ask ko lng po kung may deduction pa ba sa bank kapag nagremit sya.. kasi once nagremit sya sa Canada may deduction na… other remittances kasi here in philippines may docs fee pa silang dinededuct… thanks!

  10. hi
    ask ko lang may bdo passbook account kasi ako na may 10k maintaning balance. yung laman nya ngaun is 17k.iwiwithdraw ko sana yung 10k. ibabalik ko din agad sya nextweek. macoclose ba agad yung account ko o magkakapenalty?

    thanks.

  11. Hello po ma’am Ask ko lang po may Bago kasi akong ATM Debit Card yung 2K M.B kaso wla siyang Logo ng Visa etc. Pwede ko parin ba siyang gamitin kung mag Groceries ako, or kaya mag buy sa Clothing Line Then swipe lang? Slamat po Godbless

  12. Good day Ms. Nors! I’ve been reading all the comments in the blog. And I’m really impress na nasasagot mo ung mga tanong namen and i really learned a lot. Question ko lang po is meron na akong existing BDO ATM Savings sakin lang siya nakapangalan. Ung gf ko wala siyang bank acct sa BDO. Then we decided na ilagay na rin ung name niya sa BDO ATM Savings Acct ko. And can we request for 2 atm cards na tig-isa kami both with our names on it? Without any closing or opening an acct? Like simply adding my gf as the secondary cardholder then issuing us a 2 atm debit cards? May icha-charge ba silang fee?

    Looking forward to ur reply. Thank you.

  13. Hi Aizer, meron ba siyang Megalink logo? Kung meron, puede siya sa mga stores in the Phils na merong Megalink POS terminal.

  14. hello ma’m pweding malaman ko po ang diposit account ko sa bdo.dito po ako sa saudi.matagal na po ako d naka owe ng pinas almost 8years na po,nag start ako ng member sa bdo since 2008-2007 alin po sa dalawa
    every year naman po ako nag didiposit sa account kona yan please help me gusto kolang malaman kong magkano lahat ang hinolog ko,thanks po

  15. hello.ma’m gusto ko pong malaman kong magkano na ang diniposit ko sa bangko de oro mag 6 years na po ako d pa ako naka loan at isa pa d pa ako naka owe sa pinas,paano ko malalaman please help thanks po,

  16. Hi Allen, sorry I’m not employed by BDO. If you activated your atm card in the Phils before and your atm card has a Mastercard logo, you can make a balance inquiry at a Mastercard atm there in Saudi. If not, call BDO 800-863-0011 or write your concern here: https://www.bdo.com.ph/contact-us Congrats for saving money while abroad.

  17. Hi geoff, thanks for appreciating my blog. Makes me happy. About your Q, I don’t know all of BDO policies, but I think that is not allowed, even with other banks. Why don’t you just open a joint OR account without closing your own account? Then enroll your 2 accounts online, so you both can manage them online.

  18. Hi po. I bought something from online shop and then i used deposit machine to pay P 3,100 for what i am going to buy. I dunno what happened but the machine didnt issued receipt. Im worrying because i dunno where my money went. I asked the online shop if she already received my payment. She said her account already credited but debited it after. I asked bdo, they said they would not be responsible for the lost of money if ever because of the technical problem on machine. What am i gonna do???? :(

  19. Hi Angie, did you use an envelope to deposit the money? If you wrote the correct account name and account no. of the seller, then your money should have been deposited to the seller’s account the next day at the latest. Ask the seller to send you the product you have bought since you already have deposited the payment. Tell her the date and time of deposit.
    Or did you use a cardless deposit machine? I’m interested where this cardless machine is located since BDO does not yet have many of these cardless deposit machines.
    You can also go to the branch where the deposit machine is located, and request for proof of your deposit. Tell them the machine did not issue a receipt, and you need the proof of deposit. Bring your IDs.
    Next time, always deposit over the counter when making payments so you will always get proof of deposit. Also, deal only with reliable sellers.

  20. Hello po maam Nora, asked ko lang po meron po kasi kong bdo passbook account with atm, pede ko po ba syang iconvert into atm lang ? masyado kasing mataas yung adb requirements ng passbook ee thanks po in advance

  21. Hi Ms. Nora,

    tatanung ko lang po.
    May maintaining Bal po akong 2000 then winidraw ko po yung 1500, let say June 1, 2014, kaya naging below the maintaning bal na po ung account ko, at June 5, 2014 mag dedeposit po ako ng 5000.
    Machacharge parin po ba ako ng 300 pesos?

    Salamat po :)

  22. mam ask ko lang po may bdo savings account po akona may passbook with atm..ngayon po low maintaining balance na sya na 4500.kung iwiwithdraw ko po sya using my atm,ok lang ba yun kahit di na kona sya i close sa mismong bangko..tnx

  23. Hi Angie, no. The 300-peso fee is charged only if your monthly average daily balance falls below 2k for 2 consecutive months. For June, you will not fall below 2k.
    How to compute: Add all daily balances for June, and then divide by 30.
    June 1 to 4 (500 x 4), June 5 to June 30 (5500 x 26)
    2k + 143k = 145k
    145k / 30 days = 4,833
    4,833 is higher than the 2k maintaining balance requirement, so you’re okay for June

  24. Hi Aldrine, no, BDO does not convert like that. What you do is you open an atm-only account, and then close your passbook account. Ask BDO too.

  25. Hi timmy, yes, you can withdraw your 4500, and then later on, when the account balance becomes 0.00, it will automatically close.

  26. Hi!good evening i am an ofw here in abroad and 3 yrs. Been working here since then i never had a change to widraw in my usd dollar account in bdo. I asked a family member to checked it for me they said 3 months no depisit in my account now i cant send deposit from.abroad or anyone there in the phils. Can you help me how this happened.pls. thank you

  27. Hi sheryl, try to use the BDO Remit Inquiry system at bdo.com.ph. Write your inquiry at BDO’s Contact Page If you did not make any deposit or withdrawal within 2 years, your account might have become dormant, so it was put on hold. I hope you had $500 in your account, so it did not incur any penalty and will not incur additional penalties. Ask BDO if there’s a way you can reactivate your account while abroad. If reactivation is not immediate, you can get your recent remittances by going back to where you sent the money and amend your remittance from deposit to cash pickup by your family. Keep your remittance receipts.

  28. Ask ku lng po kng my effct ang currency rate xchnge evryday s blnce ng kbyan svngs accnt ku bdo. Im workng here in saudi pnsin ku nbwsn ng almost 100sr svngs ku. 5 times aku ng blnce inquiry atm d2.
    Thnks po

  29. Hi rodel, the current exchange rate will only have an effect on your remittance one time, at the time your remittance is credited to your Kabayan. After it’s credited, it’s no longer affected by any change in the exchange rate. Atm balance inquiry abroad usually costs US$1 to US1.50, but that atm there might be charging a higher fee. Are you sending through a BDO remittance partner? The deduction might be an additional remittance fee. You can ask about your concern here: https://www.bdo.com.ph/contact-us

  30. Hi maam Nora dito poh sa Malaysia now at gusto ko poh mag pa open ng Saving Acount sa kapatid ko sa pinas at para na din pagbalik ko kahit papano may saving ako kasu walang poh ako alam about this. At kong meron na poh acount paano ko poh ma check ang bal ko or laman ng pina open kong acount kahit dito ako sa Malaysia? At pwedi poh ba magpadala sa acount gamit ang Western Union lang or Moneygram?

  31. Good day ask ko lng po.. na two consecutive below maintaining balance po ako.. so ng deduct ng 300 today at ulit winidraw ko k nmn ngayun lhat mg dedeposit ulit 15 mag kakadeduct b ako next month..

  32. Hi alvin, if you’re not able to maintain this July, yes, 300 will again be deducted on Aug 1. What’s your account, atm or passbook account?

  33. its ATM.. kasi khpon ng widraw ako ulit lahat.. personal atm kasi to mam nora. dito ng dedeposit boss ko eh mag dedeposit ulit sa 15 cguro maintain ko n un balance.. my tendency p bang mbwasan ako ulit next month..

    tnx and God bless..

  34. Hi alvin, the average daily balance (ADB) requirement is 2k, right? If you deposit 4k on the 15th and not withdraw it, your ADB would be:
    4k x 17 days (july 15 to 31) = 68k
    68k / 31 days = 2,193 pesos
    2,193 is above 2k, meaning you complied with the ADB requirement (no penalty). Please check my calculation, and increase your deposit if you start depositing on the 16th or later. God bless too

  35. hi, i have a dormant account with bdo and i want to reactivate it. i can’t do it personally because i’m in the US. they asked me to submit some forms and do a remittance. i tried to remit money to my account but my transaction was cancelled because the account (my account i am trying to reactivate) is dormant. how can i go about this? thanks

  36. Hi michelle, reactivation of a dormant account requires personal appearance with IDs at your branch. But if they’ve instructed you to submit some forms to reactivate, and you’ve complied, you can make inquiry here https://www.bdo.com.ph/contact-us or call 631-8000 to ask them if they’ve received the forms you sent them and to ask about your account status.

  37. Xyjen

    Hi po.posible po bang magchange ng account number my napasokan kasi ako at tingin ko its scam every month po automatic nakakapagbawas sila ng pera sa account ko dahil sa endownment policyy na pinapirmahan sakin at gusto ko na yun matigil.bdo atm at passbook po meron sakin.please help me.thanks

  38. Hi Xyjen, you can withdraw all your money from your account and then close your account, and then open a new account.

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