BDO Kabayan Maintaining Balance

Updated May 22, 2014:

As of today, May 22, 2014, the maintaining balance for your BDO Kabayan savings account is still ZERO. But you need to make at least one remittance from abroad per year or per 12 months to your Kabayan account.  

What happens when 12 months pass and your account has no foreign remittance?

After a year passes and your Kabayan account has not received any remittance from abroad, BDO will convert your Kabayan into a REGULAR passbook savings account.  This regular passbook account requires a monthly average daily maintaining balance of 10,000 pesos.  Dati, 5,000 pesos lang; starting May 1, 2014, naging 10,000 pesos na.

If your Kabayan has been converted, and you are not able to maintain the 10k maintaining balance for two consecutive 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 to the 10k monthly average daily balance.

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…gud day! Ask ko lng my kabayang savings acct n po ako at ung asawa ko ang na reremit ng pera s acct ko kng halimbawa n pa change status ko ba ung acct ko kc inopen ko pa po un nung single p ako so ngun po d po mg conflict o hal coming n kc this week ung remittance nya d po pa mag ka problema un? Darating parn ba s acct ko kht nag pa change status ako this week?

  2. Hi Mary grace, if remittance is done through deposit to bank account, it’s important that your name on your husband’s remittance receipt and your name on your bank account are exactly the same. So you should agree with your husband about what name to use before you change your account name. Ask also BDO if it’s easier to open a new account in your married name than to change status (marriage certificate will be required).

  3. Hi maryshayne, yes, it’s still zero. But there’s a condition — it’s zero only if you remit to your Kabayan from abroad at least once every 12 months.

  4. Is my BDO kabayan saving account still active? It’s been 15 months since I opened it with 50 pesos and I haven’t remitted to it. Can it receive if I send to it now?

  5. I had my atm kabayan saving sent here to saudi. where or which atm can i make balance inquiry here in ksa? I want to deposit to my atm. Will there be no problem as my pasbook is in the Phils. pls reply asap

  6. Hi julius, does your atm card have a Mastercard logo? Was your atm card validated in the Phils? I mean… did someone in the Phils changed your default PIN and validated your atm card? If yes, find an atm machine there with Mastercard logo and make balance inquiry. Charge is 1 to 1.50 US dollars. You can deposit to your Kabayan account by sending money through a BDO remittance partner there. Use the account no. written in your passbook. Here’s a list of BDO remittance partners in Saudi

  7. Gud pm. I Just want to ask if my kabayan account will be still active since after 6 months of getting my account no remittance given yet.. Tnx

  8. Hi Jeffrey, yes, your account should still be active as you’re still in the middle the 12-month period for making at least 1 foreign remittance.

  9. What if i open my account on march 2014 but until now i dont have any remittance can i still send money to my account?

  10. Hi good day. how about if my last deposit to my account is june 2014. then after that when i came back here in dubai I withdrew all, so zero balance since october 2014 until this january. then yesterday, I deposited, then until now my deposit is still not credited to my account. should i wait for more days or start worrying? Thanks

  11. Hi jessie, how did you know your remittance is not yet credited to your account? Through your BDO online banking? or atm balance inquiry there? Because if you were able to use any of these, then it means that your account is still active. I hope your remittance is already credited to your account by tomorrow.

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