BDO Deposit Accounts — Baka Maubos Imbes na Lumago

Updated May 6, 2014

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

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

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

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

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


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

Maintaining balance requirements for these BDO accounts:

ATM peso savings — 2,000 pesos

Passbook peso savings — 10,000 pesos

Kabayan peso or dollar account — None


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


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


your account is automatically converted into a regular passbook account,


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

Junior Savers — 100 pesos

Power Teens Club — 2,000 pesos

Prime Savers — 2,000 pesos

Optimum Savings (Personal) — 30,000 pesos

Direct Deposit Peso Savings — None

Peso checking — 5,000 pesos

Smart Checking (Personal) — 15,000 pesos

Checking Account with Automatic Transfer Facility — 25,000 pesos


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

US Dollar Savings — 500 US dollars

Prime Savers Dollar — 200 US dollars

Direct Deposit Dollar Savings — None

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


Related Articles:

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

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


Add a Comment
  1. Hi Nora!

    Is this accurate?

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

    I have a passbook savings acct (but later a banker added an ATM to it so I don’t know what it’s called now). Does the above rule apply to my type of acct?

    THANK YOU! :)

  2. Hi Daisy, if you have a passbook and your account is not Kabayan, your maintaining balance requirement is 10k because your account is a regular passbook account. Your penalty is 300 pesos if you fall below the maintaining balance for 2 consecutive months. But if your account is Kabayan, the requirement for you to be exempted from the maintaining balance is for your account to receive at least 1 remittance from abroad every 12 months.

  3. Hi, just want to know what is the initial deposit in opening a debit card account in Bdo? Thanks

  4. Hello ma’am. Yung bago ko pong account na debit card sa bdo may megalink po na nkalagay sa likod pero po sa harap ng atm card wala. Eh minsan po kasi hinahanap nila may visa o mastercard sa harap ng atm debit card… Pano po bang malalagyan yun ng visa or mastercard sa harap ng atm??? Thnks po

  5. Hi Aizer, if you like, go to BDO and ask if you can replace your atm card with one that has a Mastercard logo. Maybe they have certain balance requirements for atm cards with Mastercard.

  6. Good Morning Ma’am Nora.. hindi nmn po sya related kung may Credit card ka sa BDO.? akala ko po kasi pag may Credit Card sa BDO tsaka kalang mag kakaroon ng mastercard logo sa debit card. sa east west bank lang po kase ako may C.C. God bless po

  7. Hi Ms Nora, good evening! i just want to inquire since I’m quite bothered about opening an account in BDO recently. when im filling up the form, they are trying to retrieve my old accounts and they found out that there’s a credit card account which i have unsettled balances way back 6 years ago.. Just want to ask if they’re going to touch or deduct my savings to pay the unsettled balances? pls help. thank you & more power.

  8. Hi jill, yes, it’s possible that BDO will deduct from your savings account. The credit cards that I have, BPI and Metrobank, they have that rule that they can get funds from my bank accounts with them to pay balances in case I become delinquent.

  9. hi ms. nora.. ask ko lang about sa bdo junior savings account. nung april 30, 2013 pa kasi yung last time nmen nag deposit dun. hindi kaya siya madeactivate kasi almost a year na siyang hindi nahulugan? ilang months o year ba syang pwedeng hindi mahulugan bago madeactivate yung account?

    thankyou. :))

  10. Good day poh, ask q lang, regarding my BDO ATM debit card, last Aug 2014 my balance na 2,021 yung account q, then winithdraw q yung 2k kc nid q talaga ung cash that time, my question is:
    1. Until when mago-automatic close yung account q kung di q na xa malagyan ulit?
    2.Since 21 pesos nalng yung naiwang balance, wala ng makukuha for charges db, if ever ba magdeposit aq sa Sep2014 possible bang bawasan nila yung account q? Tnx :)

  11. Hi Rialyn, 1. If you won’t deposit, your account will close at the last minute of Sep 30.
    2. If you deposit in Sep, you won’t be charged. But if your average daily balance in Sep (computed at the last moment of Sep 30) is below 2k, you will be charged 300 pesos.

  12. Hi.. question halimbawa sa Savings Account ko nasa 11k tapos i withdraw passbook 10k pwede po ba yun? Tapos ibabalik ko din sya with in 2 weeks ang 10K ..hindi po ba ako mag ka penalty charge nun kasi fall below from 10k?

  13. Hi Shien, you will fall below the maintaining balance (MB) for this month. If this is the first month you’re below the MB, there’s no penalty. But if in Sep, you again fall below the MB, you will be charged with 300 pesos on Sept 30/Oct 1, and the next month, and so on, if you’re still below MB.

  14. Hi Nora,
    I have a question, my remaining balance as of today is below the MB for passbook peso savings. and I would be able to replenish the account by first week of October. I am so confused on how much will be the deduction on my remaining balance sa account ko. If I am not able to put funds this september para mameet yung MB. kindly enlighten me.. thank you so much!

  15. Hi Mics, you might be deducted with 300 pesos on Sep 30/Oct 1 because it’s likely that you will be below the MB for the 2 consecutive months of August and Sep. Make sure to be above your MB in Oct so that you won’t be deducted with another 300 on Oct 31/Nov 1.

  16. Hi, I am planning to open a new Savings account with BDO. I’d appreciate if you can help me out by answering my queries:
    1. Could you let me know the advantages of having the (a) Passbook Savings Account with ATM Card vs (b) ATM Debit Card only? what are the pros and cons?
    2. Can I have the ATM card with BOTH Mastercard and Visa logo on it? (I used to have the one with Mastercard logo only)
    *I know for some.. my question is very basic but I sincerely want to know some answers to help me on my decision-making whether I better have the passbook (with ATM) or just the ATM.
    Thank you & Best Regards, Pines

  17. Hi Pines, 1. The maintaining balance requirement for the passbook-with-atm account is 10k; it’s 2k for the atm-only account. With passbook, you can update it at your branch from time to time so you can see your transactions. You can enroll both in BDO online banking so you can track your account online. 2. About logos, you can only have one: either Mastercard only, or Visa only.

  18. Hi Ms. Nora, if my account has been below maintaining balance since last month but I managed to deposit an amount to reach the 10k mark at the second to the last day of the month, should I still be charged 300?

  19. Hi Reese, were you able to maintain your balance in July? If yes, you won’t yet get charged this August, because the charge is imposed after falling below the maintaining balance for 2 consecutive months.
    For August, you were below the 10k maintaining balance. How to compute average balance for the month? You said 1st day to 29th day, you’re below 10k (let’s just say 9.9k); and 30th and 31st, you reached 10k.
    9.9k x 29 days = 287.1k
    2 days = 20k
    287.1k + 20K = 307.1k
    307.1k / 31 days = 9.9k was your average balance for August
    9.9k is below the 10k maintaining balance, so you fell below the maintaining balance in August. You must not withdraw your 10k this Sep.

  20. Hi Nora,

    Ask ko lang po kung magkano ang maximum limit for fund transfer thru online banking ? per transaction or per day?

  21. Hi felix, there’s no maximum amount limit for online fund transfer. It’s only atm withdrawal that has a maximum limit per day.
    But if you’re transferring to a BDO cash card, note that BDO cash cards can contain only up to 10k or 25k or 100k, depending on the cash card type.

  22. Hi Ms. Nora, since when the 10k adb for passbook savings account nag take effect? I was charged P300 for 3 consecutive months. I thought the adb is only 5k. Tama ba magcharge sila kahit walang notice ng increase ng adb? Thanks

  23. Hi anthony, the maintaining adb increase started in May 2014; it was announced for months before May through a sliding tab on the top portion of their website screen. Yes, you’re right, they should have notified you before they charged, according to BSP rule. But this is not being practiced by many banks, not only BDO, but it seems no one’s publicly complaining. We would write about this again in
    If you like to try, you can email them to request for reversal of the charges, saying you didn’t know of the increase, and you were not informed. Cite this BSP rule: see the last item on the list (Service Charges):

  24. Hi! Good day! I made a withdrawal from my debit card 2 days ago amounting to 1k from 5k so the balance was 4k. then a while ago I checked and the response was cannot process transaction… what does that mean? Thanks

  25. Hi ruth, it could be the atm machine that’s not working. Try another machine. Because if there are other reasons, you would have seen “account not valid, or “insufficient account” or “account not existing” or PIN invalid” or “account closed”, etc.

  26. hi ms.nora good day may i ask. we’ve just opened a joint account last aug. then if i withdraw 4k, would there be a penalty? and would it reflect on our record? hi would there be a penalty immediately?

  27. Hi Cat, is this an atm account with 3k maintaining balance? or a passbook account with 10k maintaining balance? If you fall below the maintaining balance for this September and October, your account will be deducted with 300 pesos on Oct 31 or Nov 1, and on Nov 31 or Dec 1, if you don’t restore your account to maintaining-balance level.

  28. HI Ms. Nors…We didn’t know that the 10k maintaining balance became effective last May 2014. My friend was deducted with service charge for 3 months because her account fell below MADB. Ending balance last May 2014 was 5,000…Her passbook shows the SC was imposed in june, july and august…now there’s 6,300 in her account…if she deposits 4,000 tomorrow. will she be still charged this Sept?

  29. Hi Sel, was the balance of 6,300 since Sep 1? If yes, she needs to deposit 7,400 pesos tomorrow (16th) so that the MADB for Sep will be 10k, and so the penalty will stop. Or make it 7,500 pesos.
    6,300 x 15 days (Sep 1 to 15) = 94,500
    (6,300 + 7,400) x 15 days (Sep 16 to 30) = 205,500
    94,500 + 205,500 = 300k
    300k / 30 days = 10k

  30. Hi Ms. Nors, pinaclose na po nya yung account..she’ll open a new one na lang po..base on BDO’s computation she needs to deposit at least 17,000 para ma she decided to close it na lang po…Thanks so much po :)

  31. Hi i’m a student! I have an ATM with a required MB of 2000. Money was deposited last August. This September, there were 2 deposits. Then this week only 2100 is left (lots of needs)
    Last September 17, i made a withdrawal of 200. should be 100 only but it’s not allowed. So what’s left is 1900 plus. Will i incur a penalty? Mama will deposit again by last week of September :-)

  32. Hi L, you will incur a penalty only if you fall below MADB this month and next month, or if you fell below MADB last August and you’ll fall again this Sep. Have you enrolled your account online, at Enroll so you can track your account balances, and so you can compute your MADB. How to compute? Add your daily balances for the whole month (30 days or 31 days or 28 or 29 days). You can write here your daily balances from Sep 1 to today, and I’ll teach you how to compute MADB.

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