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
Email:  callcenter@bdo.com.ph

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?

197 Comments

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  1. Good day po! nag-open po ako ng Kabayan Savings Account recently and they told me na after 45 days ko pa po makukuha yung card. Ask ko lang po:
    1. Pwede ko na ba ako magdeposit sa account ko kahit wala pa ung card kc and sbi iproprocess pa lang po o hihintayin ko muna ung card para magdeposit ulet?
    2. may nabasa po ako sa previous quetions na sa isang branch lang pwede ipa activate yung card pag dating ng pinas which is sa BDO Paseo – Gil Puyat Branch. dun lang po ba pwede?
    3. What if po hnd mahulugan ng 1 year. magiging regular savings account po ba?

    Maraming salamat po!

  2. Hi Jessieh, 1 – yes, pagkatanggap at pagka-encode ng BDO ng account mo into their system, active na ang account mo, so you can remit/deposit again without waiting for your atm card.
    2 – The last time I called BDO, sabi nila sa BDO Paseo-Gil Puyat (Buendia) ang linking ng atm card at account, and then yong PIN change/validation ay kahit saang atm machine na.
    3 – Yes, kapag walang remittance from abroad in 1 year, magiging regular passbook account na, at meron nang 5,000-peso maintaining balance requirement.

  3. Hello po. Once po ba nag-apply ako ng online banking, kailangan ko pa ba dalin or ipadala sa branch kung saan ako ng-open yung online form na na-fill up-an ko? Nandito kc ako sa Abu Dhabi eh.

    Salamat po!

  4. Hi Maria, print the acknowledgment page, sign it, and then send to BDO Buendia-Paseo Branch, Gil Puyat corner Paseo de Roxas, Makati, Philippines.

  5. Ask ok LNG po,,pano po pag hnd nakatanggap ng remittance ang acct.kong kabayan savings,pwd ko pong deposituhan din un?

  6. Hi April, kelan pa hindi nadepositohan? Kasi kung 15 months or more nang hindi nadepositohan, puedeng meron nang 300-peso-per-month penalty kapag depositohan mo over the counter. Kung less than 1 year pa lang, sige puede pa. Dapat laging 5k or more ang balance para kahit ma-convert na into a regular passbook account, hindi siya mabawasan ng 300-peso penalty

  7. hi,

    ask lang ako if last december 2013 po ako nka last accept ng remittance mula sa lbas tpos parang kunti lang balance don.. pwed p po ba sa March mapdalhan ang kbayan savings ko?

    maraming salamat po

  8. Hi MArc, yes, active pa ang Kabayan mo, at puedeng padalhan. Try mong magbalance inquiry. Kapag yong naiwang amount ay yon pa rin ang balance up to now, ibig sabihin Kabayan pa rin ang account mo.

  9. hello gud day.. ask ko lang po.. matagal ko ng di nagagalaw yung BDO account ko.. siguro mga kalahating taon na.. regular savings lang naman sya.. at may laman naman sya ng higit 50k kaya lang matagal ko na syang di nagagalaw.. i mean di nakakapag withraw at di din nakakapag deposit.. ni hindi din po ako nakakapag balance inquiry as in hindi talaga nasusuksok yung card sa machine ng matagal na panahon ask ko lang po nababaawan din po ba ang laman nya? kahit di naman sya nagagalaw? at maari bang magkaproblema pag di nagagalaw? may isa pa kasi akong BDO account eh at yun ang madalas kong gamitin.. so yung isang account ko ang di nagagalaw.. thanks

  10. Hi aris, mataas naman ang account balance mo, much more than the 2k maintaining balance requirement, so wala kang problem. Make sure to make a deposit or withdrawal before 2 years will pass so your account won’t become dormant. By the way, kung hindi mo ito nagagalaw, mas maganda kung i-time deposit mo (6 months or 1 year, auto-renewal) para mas malaki ang interest.

  11. hello po!!! ask ko lng kc po ung nag owwa po q binigyan kmi ng kabayan saving 2012 ng dec at ang laman nya lng 50psos at undil now nd q po na hulugan..ngaun gusto q pong hulugan pwede po bang ipa activate un baka kc nag close na at hawak q po ang passbook at atm d2 po aq sa taiwan pa help nmn po salamat po.

  12. ask ko lang po yong kabayan saving account ko p more than 2years na hnd nahulogan since e open ko pero na activite ko nmn sa pinas true atm machine ..ngayon po gsto ko sya padalahan pwd po ba yon frst tym ko to huhulogan

  13. Hi saimen, kung ang account mo ba ay zero balance, closed na. If there was a balance, it is closed or active, depending on the balance amount. After 1 year of no remittance, Kabayan is converted to a regular passbook account that requires a 5k maintaining balance. If balance is less than 5k, 300 pesos is deducted every month, starting from the 2nd month the balance is below 5k.
    Try to open a new Kabayan account at these BDO remittance partners in Saudi Arabia

  14. Good day!Mam/Sir,
    Ask ko lng po kung activated pa po ung kabayan atm & passbook remittance account ko po,. i open last sept 2013 in edsa-poea BDO branch,..deposit po ako ng 50 pesos for opening account noon…after that dko pa po nahuhulagan hanggang ngaun! I have plan to start saving this coming month of april 2014…if activated po?.i continue saving as soon as posible for regular deposits…
    Thank you in advance!.. more power po BDO!..

  15. Hi nino, yes, based sa rule nila na dapat merong at least 1 foreign remittance in a year, active pa ang account mo. If you activated your atm card in the Phils, and if your atm card has a Mastercard or Visa logo, you can make a balance inquiry there abroad (about $1 charge per inquiry).

  16. browsing around po, i bump into your blog. it’s really nice and helpful. kudos to you!
    anyway, bale po more than a year ng hindi ko nadeposituhan and kabayan account ko at di ko rin po alam kung magkano balanse. tinawagan ko po ung callcenter dito sa US to inquire about its status (callback raw ako kasi raw gabi pa sa Pilipinas nuong tumawag ako) at sabi po, active pa raw account ko (great!). so im guessing, active and valid nga pero malamang regular passbook account na. pasensya na lang po kung dumb question to pero ano po ba ang kaibahan ng regular passbook account sa kabayan account? voided na po ba yung bdo kabayan savings ATM CARD kasi PASSBOOK account na lang sya? meaning po ba, i cannot use my bdo kabayan savings atm card like before? magbabakasyon na po ulit ako sa pilipinas next month at gusto ko na ulit i-avail at i-take advantage ang convenience ng bdo atm card instead of carrying dollars/cash. thanks in advance po!

  17. Hi totoy, pag na-convert na ang Kabayan into a regular passbook account, you need to maintain the 5,000 pesos maintaining balance requirement for a passbook account. This balance requirement will increase to 10k starting May 1, 2014. On the last minute of the 2nd consecutive month that the monthly average daily balance falls below the balance requirement, a penalty of 300 pesos is deducted, and every month thereafter until the balance requirement is restored.
    Yong atm card mo ay valid pa rin — ang regular passbook account ay puede ring merong atm card. While in the Phils, enroll your account in BDO online banking so you can check anywhere there’s Internet. Activation of enrolment is through a BDO atm machine.

  18. hello po sir… ask ko lang po sa problema ng kabayan savings account card ng asawa ko,

    may problema po ba ang pagpapa dala niya ng pera sa nagawa kong pag activate trunsfer fund (activate third party) at bakit dipo ako naka tanggap ng pera 5 days na simula pa nung linggo

    thank you po…

  19. hello po sir… activate nmn ang kabayan savings account niya at matagal kunang ginagamit nagka problema lang siya sa activate na nagawa ko…

  20. Hi marty, wala namang effect sa remittance receipt ang pag-activate ng third-party account for fund transfer. First time remittance ba ito? Baka merong mali sa account no. or name; ask again your husband. Puede ka sanang pumunta sa branch to ask, but the account is your husband’s. Call BDO 631-8000 and ask.

  21. Hi marty, sa online banking ang activate na sinabi mo di ba? I checked again my BDO online banking, and I can’t think of a way na maapektuhan, kung yon lang ang ginawa mo. You can check using Remit Inquiry; the best is to call BDO

  22. Good day! Tanong ko lang po kung bakit nung maactivate ko ung kabayan savings ng husband ko tapos nagbalance inquiry ako eh 50 pesos lang po ung balance na lumabas pero sa passbook po eh $50 naman. Gusto ko po sanang iwithdraw ung $50 na un kc zero maintaining balance naman po yata ang kabayan savings. Thank u.

  23. Hi zeana, Kabayan dollar account ito? Puedeng in dollar amount yong balance inquiry mo. Subukan mong magwidro ng 2000 pesos.

  24. Hello po. I just opened my BDO Kabayan savings account for savings and remittance purposes. Question is: Ill be going to UAE next month, how can I deposit/send money to the said savings account po? Katulad lang po ba ng normal deposit na may cash deposit slip pag nasa pinas? or does it vary the way of depositing money if you are sending abroad. sorry po baguhan lang salamat ur reply will be truly appreciated.

  25. Hi Ellie, to remit to your Kabayan account, you go to a BDO remittance partner in Abu Dhabi or Dubai, UAE like UAE Exchange and you fill up a slip with your bank name, account no., account name, bank address. You might also need to fill up a personal data form for first-time senders. Before you travel, you can enroll your Kabayan in Internet banking (because activation can be done only here in the Phils) so you can check your remittances abroad.

  26. Hi,

    Ask ko lang last remit was May 2013, kailan xa pwede ma convert into regular acct? Pwede pa last day of May 2014 kasi i need to deposit a min amount para hindi ako maka penalty ng 300. Thank u

  27. Hi Sarah, malamang na-convert na siya into a regular passbook account, so if you like to continue this account, deposit 10k, or hayaan mo nang mag-close itong account, and then open an account with lower maintaining balance requirement. Para sure, call BDO and ask the status of your account 631-8000

  28. hi po ask ko lng po un kabayan saving account ko mtgal n nk-dormant so gusto uli ipa active kung sakali ba may penalty ba kung ipa-active ko ulit baka kasi mag deposit ako tapos maubos na naman s penalty ng dormant,thanks,…

  29. Hi love, hindi madedepositohan ang account mo kung naka-dormant. You need to reactivate it in person at your branch with your valid IDs. How much was your balance? Walang dormancy penalty if your balance was above 10k. If your balance was above 5k and was made dormant before May 2014, at binawasan ng penalty, makiusap with the bank manager na May 1, 2014 lang nag-start yong increase nila from 5k to 10k. If you’re in Dubai, you can ask PNB if you can open a Philippine account with them so you can save: Al Nakheel Building, Zaabeel Road, Karama. You can also ask Metrobank representative: Al Ansari Exchange, Al Barsha

  30. hello ask k lng po nag open account ako sa kabayan peso saving account tpos bngay k sa husband k yung account number ko para dun nlng cia magppdala .ask k lng po direct atm n po b un pwde k n mawithdraw yung pnadala nia pera..pwde every month dun nlng cia magppdla sa bngay kong account no ko

  31. Hi chelle, yes, your husband can send to your Kabayan account every month or anytime. It’s right that you sent him your account no. (the no. in the passbook). Yes, you can make balance inquiry or withdraw using your atm card.

  32. Hi chelle, yes, if your sender sends it to your BDO account or his BDO account. It’s not allowed if it’s for Cash Pickup. Cash Pickup is allowed if it’s through Moneygram — BDO’s remittance partner.

  33. hello Ms.Nora, i want to ask one doubt regarding my BDO account..last active was May 2013, i dont which date, and i want to know whether still open or inactive, bec. almost 1 year from May 2013 until now June 10, 2014 i didn’t remit any amount but there still have 217 peso left in my account? please advice the same so that i can use or i can start to remit again.thank you, babylyn

  34. Ask ko lang po kung active pa ung kayan account ko,nahulugan ko sya dati pero nung umuwi ako ng pinas diko na sya nahulugan 8 na pero may laman po sya mga 200 nalang siguro,

  35. Hi Jaypee, if you did not send money to your Kabayan account for more than 14 months already, I think your account is already closed.

  36. Hi I have kabayan savings account and its active in Phil’s. but when I inquire here in Dubai the message is coming failed or invalid institution. I just wanna know what is that mean? But I have money of 30,000 in my account.thanks for reply

  37. Hi Anne, does your atm have the Mastercard logo? Does the atm there have the Mastercard logo? If yes, and that’s still the response, don’t worry, there are times that the BDO-Mastercard link does not work. It’s good that you have 30k in your account — that means you don’t have to worry about the maintaining balance in case you’re not able to send within 1 year. But remember to remit/deposit to your account within 2 years so it will not become dormant.

  38. Yes I have a master card logo for my kabayan ATM. Thanks for the response. I don’t need to worry now.

  39. hi nora, i sent money to my BDO kabayan account after 1 year, then i checked in remittance inquiry the status it show’s CREDITED, pls. advise what does it means? is it means that my account is still open? thank you

  40. mam ask ko lang po kung pwede ko pa po ibalik sa peso kabayan account kahit converted na siya sa regular account.

  41. Good day Maam , ask ko lng po nag closed na po kasi ung account ko po sa BDO sa pinas, nandito na po ako ngaun sa abu dhabi , sa previous work ko po sa pinas binigyan po nila ako ng cheke para po sa back pay ko , kaso po hindi po ma in cash or ma deposit ng parents ko dahil need ko daw po ng account sa BDO, possible po ba if mag oopen po ako ng BDO Kabayan savings account dito po sa abu dhabi , pede po ba nila i deposit po dun sa BDO kabayan savings account ung cheke ko po ?
    Thank you po

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