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 Ariel, when did you open this account? If you opened it more than 12 months ago, without any transaction, your account might already be closed. If newly opened, are you pressing the correct button or screen space for Type of Account? Type of account is savings. If still invalid, go to your branch and ask.

  2. Hi maritess, sorry I don’t know if BDO sends back if it’s from another country, as it will involve certain procedures for them. Ask the remittance company. What I know is that you can go back to where you sent the money and request for an amendment — you will change your remittance from “deposit to your account” to “cash pickup at BDO by a person you trust”. This means you will ask your family member or a trusted person to claim your remittance at BDO.

  3. hi my husband is in saudi. Can he send money to our bdo personal joint account? thanks po

  4. hi po how many hours will pass before the money sent by my husband from saudi is posted to our bdo savings? Can a remittance firm that’s not a BDO partner send money to our joint account?

  5. Hi Jenny Lyn, most likely your money will be posted to your account tomorrow, or maybe Monday if the remittance firm is not a partner. Yes, anyone can remit to your account.

  6. Good day po. I’d like to inquire about my kabayan savings account. I opened it in 2010 abroad and deposited to it. I went home to pinas and almost 2 yrs there was no remittance from abroad. last march 2015 I withdrew and my remaining balance is 50k. Now I’m again here abroad. Now I want again to deposit to my account if my account is still active or was there a deduction since it had no remittance from abroad for 2 yrs? Thanks po

  7. Hi Leonisa, do you mean your balance at present is 50k or 50,000 pesos? If yes, your account is active. But your type of account is no longer Kabayan. It’s now a regular passbook account. This means you need to maintain 10,000 pesos in your account — this is now the requirement. It’s no longer foreign remittance of at least once a year — this requirement is for Kabayan. Since your balance at present is 50k, much higher than the balance requirement, your account is active, and you can remit to it again. Kudos to you for saving.

  8. Hi, Just want to ask regarding on my Kabayan account in BDO, I opened the account last August 2014, but there is no foreign transaction happen to my account because my relative already back here in Philippines. Is BDO, will be able to make some charge for me? is the account already closed? Seeking for your advise please. Thank you and God bless.

  9. Hi my gf sent money to her account savings but the name on the receipt is my name. Her boss sent bank to bank then on the receipt there’s a no.reference, maybe code. What happened? Did the money go to her account? Or will it be released to me if i present the under my name? thanks po pls reply

  10. Hi Joe, if it’s your name on the receipt, you will have to claim the remittance at the bank. Bring your ids and reference no. You should know the amount, and if possible, the name of the bank where it was sent. Ask also your gf’s account no. so you can deposit the money to her account, if that’s her plan.

  11. hi po. mama sends money monthly from another country to our kabayan savings. It’s 13k but I withdraw it immediately here in pinas. She sends it to our kabayan. Is that ok? When I checked it, it’s already closed. But mama sends every 27th of the month. please help.

  12. Hi ruth, your Kabayan should still be active because your mama sends every month from abroad. Visit your BDO branch with your ID and your passbook and request the teller to update your passbook. Ask her if your Kabayan is active, and if not, ask her why it’s no longer active. Explain that your mama sends from abroad every month, as seen in your passbook.

  13. I haven’t sent money to my account,what will happen to my account? will it close after 1 yr? Or can I still use it?

  14. Hi Marie Fe, if after 12 months of no remittance from abroad, your Kabayan will be converted into a regular passbook account — this will require a 10,000-peso maintaining balance. After 2 months of failing to maintain the balance, the account is closed. This is BDO’s policy, but there are people who have commented here saying that their Kabayan were closed after just 5 or 6 months of no remittance. Inquire here BDO Kabayan if your Kabayan is still active before sending money to your account, or call BDO.

  15. Hi Glenn, yes, if your atm card has a Mastercard or Visa logo. Look for a machine that displays the same logo as the logo on your card. Charge is 3.50 US dollars per withdrawal

  16. hi nora,i just want to ask if my account is still activated even if its been more than a year wasnt deposited but for what i remember there is still a 1,500 peso on my account

  17. Hi grace, after 12 months of no deposit, your account was most likely converted into a Kabayan, and then 2 months after, the first 300-peso penalty was deducted. If there’s still a balance in your account, it’s still active. Call BDO or make your inquiry here:

  18. Hello, Nora! Will my sister-in-law be charged by the BDO if she did not deposit money from abroad to her Kabayan account? She wants to close the account but she’s afraid there might be charges to be paid for not maintaining the account. Seeking for your advise. thanks. :)

  19. Hi Regine, if your sister never deposited to her Kabayan account, and she no longer wants it, she can just let her Kabayan to automatically close, without communicating any thing to BDO. After 12 months of no deposit from abroad, the Kabayan account is converted to a regular passbook account, and after 2 months of no deposit, the account will automatically close. There are even those who commented here that their Kabayan accounts were automatically closed after just 6 or 7 months without deposit. If there’s no money in the account, no, your sister will not be charged. BDO will use only what’s in the account to pay for charges. Since there’s no balance, there’s nothing to be used to pay for the charge. It will just automatically close.

  20. Hi good day. im here in taiwan for 1 yr and 6mos. before turning 1 year here, I remitted 5k to my account. I have not remitted to it again. Is it already converted to regular account? And was my account already deducted with penalty?

  21. Hi chrislyn, I think it’s still Kabayan because based on what you said, one year has not passed since you last remitted to your account. Remit to it again so it remains Kabayan. You can check your remittance here: BDO Remit Status Inquiry You can also make an atm balance inquiry there if your atm card has a Mastercard or Visa logo and if you were able to change your PIN here in the Phils. You can also ask about the status of your account here:

  22. Hi Janice, I think no. Maybe if you can provide a valid reason for opening 2 Kabayan accounts. What I’m sure of is you can open several accounts in the same bank, but should be different types, such as 1 Kabayan account, 1 atm-only account, 1 regular passbook account, 1 checking account, etc.

  23. hi po. It’s been less than 1 year that I didn’t remit to my kabayan bdo card. in the past few months, I remitted to it. I want to know if my remittances are credited and if my atm and passbook are active. pls txback po. I want to continue remitting. I have my atm and passbook with me here abroad. GOD BLESS PO

  24. Hi jayson, you said it was less than 1 year before you remitted, so I think your account is active. Try tracking your latest remittance here; use your the reference no. in your remittance receipt: BDO Remit Status Inquiry . Then enroll your account in BDO online banking while abroad.. If you did not change your atm PIN when you were in the Philippines, your atm card is not yet active. You need to change your PIN in the Philippines when you take your vacation. Go to your branch if you’re not able to change your PIN. If you have changed your PIN in the Philippines, and your atm card has a Mastercard logo, you can make a balance inquiry at a Mastercard/Cirrus/Maestro atm machine there. God bless din.

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