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?


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  1. GOOD morning. I’ve tried withdrawing using my bdo kabayan savings atm abroad, and the response is about a technical problem. I tried many times at different days and I got the same response. Before, I was able to withdraw and I have available balance because I remit to it monthly. What does that mean? Is there a problem with my ATM card? Thanks po

  2. Hi Jing, sorry I’m not sure of the reason — could be Mastercard-BDO connection or machine status. I suggest you remit to your account only the amount that you want to save (don’t remit the money you need there abroad), so you do not have to withdraw abroad — the atm withdrawal fee abroad is 3.50 US dollars and inquiry fee is 1 US dollar, and the atm machine abroad might also charging something. About your account, ask your inquiry here:

  3. hi mam,asked q lng po sana if pwede q pa po bng hulugan ung kabayan savings q?nung september 2014 q po kc aq ngopen,my laman pong 100 pesos pero 8 months q na po xang di pa po kaya yun?thanks po..

  4. gud day I opened in the phil. last april21 2015. upon arriving in saudi, I made balance inquiry. 4.69 riyals is the balance as of now. I have not deposited. I’m afraid BDO has cancelled my account. kabayan peso saving passbook and atm with me. Is this still active? Is there no problem as the balance is only 4.69 sr

  5. nag open po ako ng pinas april 21 2015 kabayan peso saving passbook at atm pagdating ko ng saudi check ko ang balance 4.69sr …as of now d ako makapg deposet kc natatakot ako baka cloae na yung accnt ko….gusto kobg malamn wala bng maging problima to khit4.69sr nlng at magkano kilangang balanse nito

  6. Hi bernie, your account should be active, as it’s just 2 months back that you opened your account. BDO’s rule is for you to remit to your account from abroad at least once every 12 months. ATM balance inquiry there costs 1 US dollar. ATM withdrawal costs 3.50 US dollars. The machine there might also impose a charge. I think your account is active, and you can remit to your account. Write your account name and account no. correctly in your remittance slip. But to be sure, you can ask here if your account is still active:

  7. Hello I have I question , I am here in the u.s now , but before I flew back here I open an account with my sister , joint account with her, then I also enroll online banking wasn’t succesful because the number they ask from me was my philippines number , but I gave them my u.s number also , They did not call me here , what happen is I cannot access my account , then I tried to send money to that account using money gram , , another problem money gram pay out if direct deposit into pesos , so another fail transaction again , it bothers me a lot , please bdo tell me what to , do I have to close that account , or I need your advice , so that I can put money to my kabayan dollar account ,, thank you so much ,,

  8. Hello good afternoon, what remittance service should I use to send dollars and deposit to my kabayan dollars account there. I need a recommendation please. I am here in florida u.s.a thank you. have a good day!

  9. Hi Fredelyn, if you have a US bank account or a US credit card, you can use XOOM to send US dollars to your BDO dollar savings account.

  10. Hi Fredelyn, you can enroll your Kabayan in BDO online banking while in the U.S., but it will take more than a month. Here’s the process: BDO online banking enrollment while abroad.
    But if your atm card is with your sister, you can enroll in BDO online banking, providing Philippine-based address and mobile phone, and then ask your sister to activate your enrollment using your atm card at a BDO atm machine. You will be given a code to enter via the machine.

  11. good day po. last january 2014 I opened a kabayan peso savings account. I used it 1 time. Now 2015 my sister in law who is in dammam told me she cannot deposit because my kabayan peso savings account has already expired. Why did my account expire? What should I do to use it again? Thanks

  12. Hi Jillany, your account was closed because it did not receive any remittance from abroad within 12 months, and your balance was less than 10k pesos. 10k pesos is the maintaining balance for Kabayan accounts that did not receive a foreign remittance within 12 months. Sorry I think BDO does not reactivate closed accounts. You can open a new account.

  13. Hi sarah, yes, you can deposit money in peso to your peso kabayan savings. If it’s a dollar Kabayan account, deposit dollars only. To maintain your account, send to it from abroad at least once every 12 months. If not, maintain 10k pesos in your account.

  14. I opened a kabayan savings account before I left the Phils in dec 2014. It’s only now that I remitted to it. Is that ok? How can I know if my account is still okay. I want to remit to it monthly. Can you email the status of my account?

  15. hi I just opened my kabayan saving however it will be by october when it’ll receive remittance from abroad. so im planning to make a deposit. Is there a minimum amount for deposit? Will BDO deduct from my account balance if there’s no bank activity on the account in a month? thanks

  16. Hi kristin, your account should still be active in October, but if you like to deposit this month or next month, you can deposit 200 pesos or more. There’s no penalty if you don’t deposit or withdraw within a month. The dormancy penalty is charged after 24 months without deposit or withdrawal. But it’s the maintaining balance that is more urgent. A Kabayan account requires zero maintaining balance only if the account receives foreign remittance at least once within 12 months.

  17. Hi aiza, your Kabayan account should be active, as you have remitted to it from abroad on the 6th to 7th month from opening. Did you activate your atm card in the Phils? and does it have a Mastercard logo? If yes, try making a balance inquiry at an atm machine there with Mastercard logo (US1 fee). You can also make your inquiry here: BDO Contact

  18. Hi I opened a Kabayan dollar account. Previously I was able to WIthDRAW, but now it said i’m not authorized, even just for balance inquiry. the phone nunber I gave, there was no verification pin sent. I worry.

  19. Hello good day po! I opened my Kabayan savings last April 2014 but I did not do any remittance until now.I did not activate my Atm card also but I’m planning to remit for this month, can I still use my account? Is it still active and is it safe that I will use the account even if I did not activate my card? I am hoping for your reply. Thank you.

  20. Mrs Nora, I’ve been here in jeddah for 3 years. I have not inquired my balance. It’s been 3 months that I did not remit to it. Is it still active? Thank you

  21. Hi,good morning, I have kabayan savings account, every 3 months I remit to it. Will my account not be closed or will I lose what I sacrificed for even if I don’t do any withdrawal? Almost 2 years I’ve been remitting to it. Hope you reply. thanks

  22. Hi Geline, do you mean you have been depositing to your BDO Kabayan account for 3 years? and that it’s only for the past 3 months that you did not remit to your account? If yes, your account is still active. Your Kabayan will be closed only if you do not remit to it from abroad at least once every 12 months. If you don’t remit to it at least once every 12 months, you must have 10k pesos in it as its maintaining balance so it will remain active. And to prevent dormancy, the account must have deposit or withdrawal at least once every 24 months.

  23. Hi fey, it’s good to know you’re saving regularly. Your account should be good and active, as you are remitting to it 4 times a year. Does your atm card have a Mastercard logo? Did you change your PIN at a BDO atm machine in the Philippines? If yes, you can make a balance inquiry at an atm machine there with a Mastercard logo. 1 US dollar is the charge per inquiry. Or you can make your inquiry here:

  24. good day po. I have kabayan savings account. I wish to have online banking. Can I apply? waiting for ur reply thanks po

  25. Hi janine, yes, you enroll your Kabayan account at Click “e-banking”, then “Online Banking – Go”. After enrolling, you will be given an activation code. You will enter this code using your atm card at a BDO atm machine.

  26. Hello po. can I withdraw money using my kabayan dollar savings atm at any BDO atm machine? Or is there an atm machine exclusively for kabayan dollar savings? thank you po.

  27. Good day itatanong lo lang po kung active po ba ang kabayan saving account KO kasi hinds konpa nahuhulogan until now nag open ako last may 9 2014 at may deposit na 100 gusto KO pong hulogan ngayon active po pa ba iyon? Salamat po

  28. hello I have an account with BDO but I have not deposited to it for almost 1 year. Can I still deposit to it? I mean is it still active? Thank you po

  29. Hello mrs Nora, yes po kabayan saving account. T deposited 100. and now I wish to deposit to it but I’m not sure if it’s still active because it’s been 1 year since I opened it. thanks again.

  30. Ughh thanks mrs Nora, so if ever I apply for a a new account for kabayan savings, is it allowed?

  31. Hi, I’m from Saudi. I enrolled my Kabayan savings account in online Banking and now I can access my account online. But the problem is I can’t view my remaining balance because it shows that my account is inactive. What’s wrong with my account? Though I have my remittances credited whenever I send through Money-transfer branches.

  32. Hi! Im from UAE, I opened a BDO kabayan Savings acct here in Dubai..I have a BDO cheque in the Philippines that needs to be deposit on my acct..but my friend told me that, they are not allowing a cheque deposit since my acct was a savings acct and only cash is required. Is there a way that he can deposit it under my bdo account because BDO is the only bank that i have.

  33. Hi Carl, savings accounts can accept a check deposit, but because your account was opened in Dubai, it could have been tagged with a no-check-deposit tag (until you appear at your branch). Inquire here about how you can make your account accept a deposit check.

  34. Hi po..nagcheck po aq ng balance s kabayan atm nkapgcheck nmn po aq..taz nagrgstr po aq s ebanking ng bdo taz naactivate q p po gamit ung kabayan atm po taz nung s online po sinasabi po n inactive account po..almost a year n dn po last n nagamit q xa..ptulong nmn po..di n po b xa pede hulugan ng pera?

  35. Helo po..ung kabayan account q po almost a year n hindi nadeposituhan taz ngaun po balak q xa gmitin niregstr q po xa s ebanking ng bdo taz inactivate q po xa using my kabayan atm taz diretso balance inquiry n po taz nkpg inquire nmn po aq 20pesos mhigit po ang remaining balance..taz nung nagtry n po aq mgcheck s ebanking ang sinasabi po inactive account dw po..patulong nmn po..nkpg balance inquiry nmn po aq..slmt po sna po mtulungan nyu po aq..

  36. @Mhei: I think we have the same notion about the matter. Just wait until the BDO done updating your account. It take (1) one day for me to properly access my account. If still the same case, you can email or call their hotline (International Access Code) + 800-8-631-8000 or +632 631-8000.

  37. Hi Henry, thanks a lot for helping respond to questions. I really appreciate it, and I’m so glad because any info that comes from someone who writes from experience is really very helpful.

  38. hi id like to ask regarding kabayan account. my account was closed already since i havent sent money on it since 2013. so i was planning to apply for a new kabayan account but i dont know the requirements and if it still available now a days? and i dont know if i need ang referrals or ehat so ever? kindly help ke regarding this matter

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