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 required 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 consecutive 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 account — 2,000 pesos

Passbook peso savings account — 10,000 pesos

Kabayan peso or dollar savings 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 Metziku, I think no, you won’t be charged, based on your statements. You said you restored it to above minimum the next day so it’s most likely your average daily balance for the month still went over the maintaining balance. Besides, the penalty is charged only after 2 consecutive months of falling below the maintaining balance. And because it seems you were able to maintain your required balance for the past months, I think there’ll be no charge.

  2. Hi Nanding, since your child’s account is Kabayan Savings, there’s no maximum limit to how much you can send to that account per remittance. Remittance fees depend on the agreement between BDO and its partner. BDO says it charges 200 pesos for inward remittance that that uses Swift system.

  3. I have a Kabayan Account, and just today I have checked my account, BDO deducted 300 pesos system service charge to my account last March 31, 2016. I received remittance from abroad several times a year. So, I really don’t know what’s that deduction specifically for.

  4. Hi Nora, I learned that my bdo savings account is dormant since Feb 2016. I went to Phils. last Feb for my grandmas burial in Dumaguete and then was hoping to visit my bdo branch in Taguig to reactivate my account but it was holiday at that time 🙁 So I left Philippines without settling the issue.Now am worried that my savings will be wasted. I have 40k in my account, are there any deductible charges now that my account is dormant? I hAve both atm and passbok with me. I dont know how long till I can go back to the Philippines. Please enlighten me. Thank you.

  5. Hi Katie, it’s good that you have 40k in your account. That amount is much higher than the 10k maintaining balance requirement. It means you should not be penalized for anything. Your account should only be put on hold, but not penalized. See BDO’s statement here: You can write your inquiry here: Ask if there’s a way you can reactivate your account while you’re abroad.

  6. hi, question lang. I have an account with bpi. maintaining balance is 2k or 5k. my father opened it for me. 1 year I have not deposited due to a financial problem and then weve decided to reactivate it, is there a fee I need to pay? or should I pay 1 year of dormancy to activate the account? thanks

  7. Hi kelvin, most likely your account is already closed, and it’s not practical to reactivate it, as you might be required to pay 300 pesos x 12 months or more. You can open a new account at BPI (maintaining balance is 3k for atm account) or BPI Family (maintaining is 1k for atm account)

  8. Good day. I have a bdo time deposit that matured last March 23, 2012 but unfortunately I misplaced the certificate so forgot all about it. I just found it now and i was hoping I can claim my money. Do I have any penalty or do I have to pay anything? Hope for your reply. Thank you and God bless.

  9. Hi Lalaine, wow, it’s just like you have a windfall! I wish your time deposit was auto-renewal and continued to earn time-deposit rates. If not auto-renewal, your time deposit most likely has been turned into savings, earning savings interest rate (much lower than time deposit rate) and has been dormant (without transaction for 24 months). But anyway, with your IDs and your time deposit certificate, you should be able to claim your money immediately without any penalty.

  10. I haven’t deposit yet,i open my account last June 2015…it is still okay to deposit now..i mean it still activate my account?thank you

  11. Hi Rhoda, is this Kabayan account? If yes, it might still be open, as the requirement for this account is remittance at least once every 12 months. To be sure, ask your family tp deposit 100 pesos to your account over the counter, and if the deposit is accepted, it means your account is active. Another option is to call BDO or inquire here: BDO contact page

  12. How is this? My balance decreased to 5k, then I deposited 7k so it turned 12k. When it was still 5k, I got deducted 300 then when I deposited 7k, there was another deduction. Why is it like that? Do I need to inquire with BDO or they really deduct 2 times? pls help

  13. Hi Marie, it depends on the dates you deposited. Basically, you should maintain at least 10k in your account all days of the month. If there are days that the balance becomes less than 10k, the other days should have balances much more than 10k so that when the average daily balance is computed, the result is 10k or more. For example, your balance on March 1 to 20 is 5k, then you deposited 7k on the 21st, your ADB is still less than 10k, so you’ll still get the 300 deduction. The best way is to open a BDO atm-only account, which requires only a 2k maintaining balance, then close your passbook account. A BPI Family atm-only account requires only 1k. How to compute average daily balance for the month.

  14. Hi! just wanted to ask if I have only 2k left in my savings acct then I withdrew 1500, will the 300 be deducted immediately or can you still withdraw an amount if only the maintaining balance is left in the account? Thanks!

  15. Hi James, the 300-peso penalty will be deducted only if you fall below 2k for the second straight month. For example, if you maintained your account last April, then it’s ok to fall below 2k this month of May. But come June, you should maintain 2k or more in your account, so you won’t fall below your required balance for the 2nd consecutive month. Remember, you should maintain 2k everyday of the month to maintain your balance for the month. If there’s a day or there are days it’s below 2k, then you must deposit more money on other days so that when the average balance is computed for the month, your average will still be 2k or more.

  16. Hi I need to know why it says on my BDO Mobile Application that my account is inactive? I did deposit money on my bank account and it is above the maintaining balance? I don’t understand why it says that

  17. Hi Rea, do you have a BDO online banking account? Register first with BDO’s online banking system.

  18. hi! if I will open an atm account in BDO and my monthly salary will be deposited here at the end of every month, can I withdraw the total amount being deposited considering that monthly my atm account will receive deposits, or there must be 2,000 k in every minute and every hour in my atm?
    other concern, can I open this kind of account in spite of having no tin number for the mean time? I am a contractual employee and I have 5 months probationary period.
    thank you

  19. Hi colin, if you have valid IDs, the BDO officer might consider your atm application even if you don’t have a TIN yet. But some branches might be strict, and they might require a TIN no. If your expected monthly salary does not exceed 25k, you can apply for a BDO cash card (choose card with your name embossed on the card) so you can withdraw all your salary. Cash cards do not require a maintaining balance. If you apply for a BDO atm account, you need to maintain 2k or more in your account.

  20. Hi good day po. I have a BDO kabayan savings since 2012. last 2013 my last remittance from abroad and after that I have not updated my passbook as I used my atm. My last use of my atm last 2015, balance was 50k. After 6 months I returned from abroad and added more money to it. Is my account still safe and active? Thank you please answer.

  21. Hi Liza, yes, your account is active, based on what you said about your transactions. But your account is no longer a Kabayan account (zero-maintaining balance) because your last remittance from abroad was in 2013. It’s already a regular passbook account. But anyway, don’t worry because your balance is 50k, your account is well-maintained. The maintaining balance for a passbook account is 10k.
    Avoid dormancy – an account becomes dormant if it has no deposit or withdrawal within 24 months.

  22. Is it possible to transfer money online from BDO Savings Account to a Power Teen Account? Because I tried once but Power Teen only has 10 digit account number and BDO has 12 digits.

  23. Hi Yuri, yes. Try again. Put 00 before your 10-digit Power Teen account no., but first, enroll the Power Teen account into your online account.

  24. Just wanna ask.. kabayan account- open an account last august 2013, deposit 11k (dec 2013) since then i haven’t activated nor deposited until now 2016 may… is there any penalties or is it active? Thank u. GOD BLESS

  25. Hi nathalia, it’s service charge system generated, meaning it’s automatically charged. Is it 300 pesos? Did your balance fall below the maintaining balance requirement? If it’s 11 to 15, did you withdraw at other ATMs? Did you withdraw abroad?

  26. Hi! I need help. so, my Peso ATM account with a madb OF PHP2000 has PHP2051.66 last month but at the end of May, they charged me with SERVICE CHG SYS-GEN of PHP300 even though it’s above the minimum balance and I just opened that account only last March or April, I can’t remember. sooooo, I don’t really know what to do now.

  27. Hi Daniel, was your 2051.66 in your account all the days of May? If not, your MADB fell below 2000. If yes, go to your branch and ask why they deducted 300 pesos from your account, and ask them to credit back the 300.

  28. Hi! I have the same issue. What is service CHG SYST-gen? My maintaining balance falls for more than a month then I deposited again but the following day I received a deduction of 300. Is that a penalty for an Account below maintaining balance? DO i need to go to the bank for this matter? I’m afraid they will deduct my account again after a month even I have more than the maintaining balance. Thank u!

  29. Hi Rona, if you had the 300-peso deduction last May 31, it means you fell below the required balance in April and May. If you fall below your required balance this June, you’ll be charged again on June 30. Your balance should be 2k or 10k or more everyday (2k for atm; 10k for passbook). If not everyday, your balance in other days should be much higher so that the average daily balance for June will be 2k or 10k or more. You can call BDO or you can visit to ask if the 300 was for below-maintaining balance penalty.

  30. Hi there, I have the same issue. I have my BDO Kabayan Savings enrolled it to online banking, I got 5,300 something left there, The last time I got a deposit there was January 16, 2016. This week I log in my account and I see 3 consecutive months charge of 300 (900). I am wondering why do they charge me, KABAYAN savings has no maintaining balance. The other day, I deposited again 9000 pesos. I am afraid they will charge me again (everymonth) LOL They ripping people off!

  31. Hi Melanie, was your deposit on Jan 16, 2016 made through remittance from overseas? If it was from overseas, email BDO and ask them to reverse the 900 pesos they charged. Argue that you last remitted from abroad on Jan 16, 2016, which is obviously just 5 months ago (their rule is at least one foreign remittance every 12 months), and so your Kabayan account is still a Kabayan account, a zero maintaining balance account with at least 1 foreign remittance every 12 months.
    If your deposits were over the counter at BDO in the Phils, it means your account has been converted into a regular passbook account, and you now need to maintain the 10k monthly average daily balance from now on. Yes, you’re right, banks are earning from people’s money very easily, almost deceitfully.

  32. what if po I’ve withdrawn my maintaining balance? will my account with BDO immediately closed?

  33. Hi Nheri, if your balance after withdrawal was 0.00, then your account has been most likely closed. You can make a balance inquiry at a BDO atm to check. If there’s a balance, and it’s not closed, make sure you maintain your account next month so that you won’t be charged a penalty. The penalty is imposed if you fall below the required balance for 2 consecutive months.

  34. hi ms nora, I’m from Singapore and I’m confused….
    is my account (peso-atm) still active if I have no transactions since I opened it last year April with 10k deposit? And I didn’t applied for online banking thats why I can’t check if still active or not.
    if yes, so I can still send money to my bdo accnt then?
    thank you

  35. hi i have a powwer teen card , i wanna askd if i claim 2000pesos , since the maintaning balnce is 2000, what will happen to my account ?

  36. Hi. I have a savings account passbook w/ atm and have maintaining balance of 10k, but last june 27 i withdrawn 9600. So the remaining balance of my account until now is only 400. Now, i want to deposit a 9600 again to make it through its maintaining balance. I just want to ask how does an penalty of 300 pesos applied? i return my money to make it 10k, its maintaining balance within 1 month. Is there any charge? i just want to clarify.. the penalty will be charge soon as i fall my maintaining balance or after 1 month without maintaining? thanks a lot.

  37. Hi Niel, it’s charged on the 2nd month that you don’t maintain your account. You did not maintain your account in June; since you’re depositing only now, you won’t be able to maintain your account this July, so you’ll be charged 300 on July 29. Make sure to have 10k or more in your account everyday from Aug 1 to 31, so you won’t be charged in August.

  38. Hi sarah, you mean WITHDRAW 2000 pesos. If after your withdraw and the balance becomes 0.00, your account automatically gets closed. If there are some cents left, and you don’t deposit again, your account stays active, but it will be closed on Aug 31. You can read about this BPI Easy Saver account — it’s a good account for young people.

  39. Hi. I’m interested in opening a BDO Debit Card (Mastercard) for personal savings and online shopping. Is it possible to apply with only a voters ID and company ID? I don’t have other gov’t issued IDs yet.

  40. After browsing the net about BDO Debit Card, I found this:
    Now, I’m worried it also won’t be useful for me if in case i got one. Because like the blogger, LePetiteEngineer, I also plan to use my mastercard for online transactions. Like reloading my starbucks card, buying books on amazon, transfering through paypal accounts and AirBNB.
    I want to ask for your opinion on this. Because I want to have an ATM card for my savings and online payments. Thanks. Any help or suggestion will be greatly appreciated.

  41. Palagi po naghuhulog ang parents ko sa bdo account ko from overseas and I have a kabayan savings account po, at kanina nag charge nanaman ng 300 pesos ang bdo sakin 12,200 ang balance ko at nag withdraw ako ng 200 pag withdraw ko at pag check ng resino 11,700 nalang ang balance ko. Bakit po ganon? Pansin ko palaging may charge ang bangko sakin.

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