BDO Kabayan Maintaining Balance

Updated February 8, 2016:

In May 2014, the maintaining balance for a regular BDO passbook account was increased from 5,000 pesos to 10,000 pesos.  

If you fail to maintain your account for 2 straight months, you will be charged 300 pesos starting from the second month and every month thereafter until you restore your account or until your account is automatically closed.

If your BDO passbook account is a BDO Kabayan savings account, your maintaining balance requirement is still ZERO. But you need to make at least one remittance from abroad every 12 months to your Kabayan account.  

What happens when 12 months have passed and your account had no foreign remittance?

After 12 months have passed and your Kabayan account has not received any remittance from abroad, your Kabayan account will be converted into a REGULAR passbook savings account.  This regular passbook account requires a monthly average daily balance of 10,000 pesos.  Previously, it was only 5,000 pesos; since May 1, 2014, it has been 10,000 pesos.

If your Kabayan has been converted, and you are not able to maintain the 10,000-peso maintaining balance for two straight months, your account will automatically be debited with 300 pesos at the last day of the 2nd month, and then every month thereafter that your account is below the 10k maintaining balance requirement. Puedeng maubos ang balance mo kung hindi mo mawidro ang natitirang balance o kung hindi mo ma-restore ang account mo to the 10k monthly average daily balance agad. 


Note: Somebody commented here that his BDO Kabayan account was closed after 6 months of no remittance.  So before you remit to your Kabayan account, ask your family to test your BDO account if it’s still active by making a Balance Inquiry at a BDO ATM.  Or better, call the BDO call center and ask if your account is still active.

BDO Hotline:   631 8000

Monthly Average Maintaining Balances for Other BDO Accounts:

Passbook Peso Savings Account
(with or without ATM)   —   10,000 pesos

ATM Peso Savings Account (No passbook) — 2,000 pesos

Junior Savers Club  —  100 pesos

Power Teens Club  —  2,000 pesos

Peso Prime Savers — 2,000 pesos

Personal Optimum Savings Account — 30,000 pesos

Personal Smart Checking Account  —  15,000 pesos

US Dollar Savings Account  —  500 US dollars

US Dollar Prime Savers — 200 US dollars

Direct Deposit for US Pensioners — None


Related Articles:

BDO Kabayan Savings, BDO Remit Cash Card for OFWs
BPI and BDO Internet Banking — Free and Quick Ways to Send Your Children’s Allowance
List of Banks in the Philippines — Universal Banks, Commercial Banks
Top 27 Savings Banks in the Philippines — or Top 27 Thrift Banks
BPI, BDO, or Metrobank Fees — Why Keep Paying Them?


Add a Comment
  1. Hi Marie, no, there’s no maximum limit to the amount of money you can deposit or remit to your Kabayan savings account.

  2. Hi joselito, that’s a lot of money! You get penalized for dormancy only if your account had a balance of less than 10,000 pesos when it got dormant. And even if you were penalized for some reason, the monthly penalty is only 300 pesos, so that should only be 300 x 8 months = 2,400 pesos. And the description should be Service Charge. You can ask BDO about the debit memo using this page: or you can call BDO: Are you in Dubai? If yes, you can call 800-0630-0021 toll free if you use a landline there. Prepare your account no. and details of the transaction.

  3. hi mrs nora how can I know if my account is still active? Whenever I check online, it says This function is not available at this time. Please try this function again at a later time. We apologize for this inconvenience. My last remittance was on december 29 2015, then yesterday I remitted a small amount to check if it’s still active

  4. Hi Gener, your account should still be active if you last remitted about 4 months ago. BDO’s requirement for Kabayan is to remit to it from abroad at least once every 12 months. Is your atm card with you? Does it have Mastercard logo? You can make a balance inquiry at an atm with Mastercard logo. Balance inquiry fee is one US dollar.

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