BDO Kabayan Maintaining Balance

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  1. Pag nagdeposit po ba sa abroad tapos hindi winithdraw ng family ko sa pinas within one year anu po ba mangyayari? Thanks po and God bless

  2. Pano po if di na’claim within 60 days ang bdo kabayan savings after opening account.pwedw pa bang kunin ito.may palugit pa po ba?

  3. Hello po bdo kabayan may tanong po ako kasi ung account ko po ehh last year pa huling nahulugan ng june tapos ngaun araw po na to ginamit ko po sya nagtransfer po sa account ko today pero ung atm na gamit ko iwiwithraw ko sana kaso ayaw magamit na lumalabas po sa atm machine ay daily withrawal/ fund transfer reached. Pano po makukuha ung pera dun? Pwede po ba over the counter di naman po ganon kalaki un.3k lang namN po ung hinulog ngaun sa account ko. Makukuha ko pa po ba un kung over the counter kailangan lang po kasi.

  4. Hi po, ung kabayan ko po is converted n into regular savings account tpos di ko po xa nahulugam for almost 3 yrs perk may laman nmn po above the maintaining balance and i called bdp toll free number, restricted daw account ko. Cani still reactivate it pqg uwi ko sa PI?

  5. Hi po ma’am nora ask q lng po Yung kabayan saving account q po ay inopen q po cya nung 2013 po my hulog nmn po yn..ng umwi po aq ng pinas ng may 2015 na withdraw q po Yung savings q n ndi q n po cya pina update kz 50k lng po.then bmlik po aq NG Singapore may din po yn my natira p po n 30k po cya.then 2016 q po po uli nhulgn..every 2 months po aq NG hu2log s saving q pg uwi q po b ng pinas ndi po aq mhirapn pg kuha ng savings q nun kz never po cya n update since nung inopen q po cya ng 2013?thanks po

  6. Hello mam nora, first time lng po ngpadala ng asawa ko sa bdo kabayan savings account namin d2 sa pinas. Nasa saudi po sya and remittance partner naman po ng bdo ung pinagpadalhan nia ng pera. Agad ko din po ba mamakuha ung pera sa kabayan account namin d2? Thanks po

  7. Hi Geraldyn, at least 2 valid IDs, 2 ID pictures, recent of remittance from abroad or proof that you’re OFW, at least 100 pesos

  8. Hello , just this afternoon i went to bdo molino blvd to deposit my husband sss sickness claim cheque on his bdo kabayan and the teller told me that it is for encashmentt only ,howcome that the cheque named to my husband cannot be deposited on his own bdo kabayan savings . Is ithere rules regarding depositing cheques on bdo kabayan.?Since this is offered for ofw and my husband is not here and the sss cheque will be valid only on july 26, 2017.

  9. mdali rn po b mwidraw ang pera kng converted npo ang kabayan savings sa regular account pguwi po ng pinas

  10. kng ngumpisa na po b ako mbawasan ng 300 sa second month pwde pb hulugan uli ang accnt pra maabot ang 10k n maintaining balance..hnd na po b ako mbbawasan sa ssunod p n mga bwan

  11. ano po pwde mngyari kng convedted na po sa regular card ang kabayan savings..hnd na po b mbbawasan kpag nghulog pa uli pra gawing 10k ang laman

  12. What f may 17,2016 nag paopen ng kabayan savings bank den till now may 2017,d pa nahuhulugan,pero bago mag may 17,2017 huhulugan na sana pwede pb yun.ndi paba macoconvert as reg.accnt?

  13. What f may 17,2016 nag paopen ng kabayan savings bank den till now may 2017,d pa nahuhulugan,pero bago mag may 17,2017 huhulugan na sana pwede pb yun.ndi paba macoconvert as reg.accnt?

  14. Hello po! Ma’am ask ko lang po ung sa dollar account ko po.. Dapat po ba atlis 10k ung laman po ba nun once maging regular dollar account na po? Basta lang po ba na wag bababa ng 10k ung laman?? Hindi po ba mababawasan ung laman nito sa account.. Gsto q po sana mag withdraw. Worried lang aq na bka po kasi mabawasan xa monthly.. Magkano po ba maintaining balance sa regular dollar account?? 10k po ba?? Slamat po!

  15. gud day.. tanong ko lng.. mgcoclose b ung account co cung my laman nman syang 10k.. pero wla nmang remittances n pumpsok in 1year?

  16. Hi maysherl, na-change PIN mo ba ang iyong atm card when you were in the Philippines? At meron bang Mastercard logo? If yes, you can check your balance using a Mastercard-linked atm there. Kung hindi naman, you can call BDO International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000, to ask your balance. Puede ka ring mag-enroll sa BDO online banking kung ang mobile phone mo ay nakakatanggap ng text from the Philippines via international roaming (kelangan ito sa one-time-password for login).

  17. may tanong lang po ako. Paano ko po ba malalaman kung pumasok po ung pra ko sa accnt ko sa western union ko sya kasi dinideposit pero my mga reciept din po silang bnbgay

  18. im a kabayan holder since i open my acct.i did not inquire it coz im abroad when i come back to phil.it is necessary to update my acct.?or is it possible i can do transaction over atm machine w/o updating my acct?please answer me i need to know

  19. Good day! My husband is a seafarer, took him a year to go back abroad, my kabayan got converted to a regular account. Moreover as he has resumed work, I am again receiving remittance can I convert it back to Kabayan or it will forever be regular with quite a hard to accept maintaining balance. 🙁
    awaiting your kind response. Thank you.

  20. Hello po I just want to ask may kabayan savings account po ako but 1 year passed po d ko nhulugan so it means converted na un as regular savings dba,so I need to deposit 10k in every when po?.I mean dapat mkahulog ako ng 10k in every month or a year ng 10kgnun po ba?tnks ..

  21. Hello po.. Just wanna ask ok lang po ba magdeposit sa kabayan savings account ko po kahit nandito lng ako sa pilipinas,aside po sa pinapadala ng husband ko abroad? Pwede ko po ba ideposit din ung savings ko?

  22. hello..im here in dubai and been trying to register on your online banking services to check and monitor my savings but upon verification it failed and they were asking me to submit documents by courier

    Any other way i can do the online banking or i need to go on our branch in philippines since im going for vacation?

  23. Hi Kurt, yes, active pa rin ang atm card mo, kasi sabi mo naman you have been depositing to your account. About your PIN, there’s no way to retrieve it, as they encrypted it in a way that it won’t be decrypted to prevent unauthorized access. This means you will need to be here, go to your branch with your IDs and apply for a replacement atm card and input your new PIN.

  24. Hi.. po ask ko lng po kung active pa din ung kabayan atm card since more than 1 year n din di ngagamit pero ngdedeposit naman sa kabayan account.

    since 1 year na din d nagagamit ung atm card nakalimutan na din ung password, any way para mgpalit ng atm password.

  25. Hi gerry, ang meaning mo ba ng updating ay pagpapadala ng pera? Hindi required na monthly ang updating. Ang required ay at least one foreign remittance per 12 months. Kung nagpadala ka agad within a few months (preferably less than 10 months) after after account opening, active ang Kabayan mo. Sabi mo naman ay nagdedeposit ka for savings, so active ang account mo. Minsan you try using this tracking tool: BDO Remit Status Inquiry. This works basta sa BDO remittance partner ka nagpapadala.

  26. Good evening po mrs Nora ask ko lang po kung active pa ang aking BDO kabayan atm ko.hindi ko Kasi Naiwan sa family ko sa pilipinas.nagdedeposit ako as saving ko.kelangan ba Iupdate monthly?

  27. Hi Josephine, sorry, malamang na-convert na into a regular account and then na-closed na ang account mo. Ang rule nila is dapat napadalhan from abroad ng kahit once lang every 12 months. You can call BDO International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000.

  28. Good day…
    Gusto ko po mag deposit sa account ko.
    Kaso, hindi ko po segurado kung active pa po ba ang account ko. Dec.2015 ko po ito na open, at wla pa po akong na deposit hanggang ngayon feb.2017.
    Salamat!

  29. Hi Mischel, ang maintaining balance ng BDO regular passbook account ay 10,000 pesos na. Matagal nang nag-increase. Yes, malamang Kabayan pa ang account mo. Para sure na Kabayan pa ang account mo, call BDO International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000. Toll-free if you call using a landline. Another option to check if your account is still active: You ask your family to deposit 100 pesos over the counter to your account. If accepted for deposit, active pa ang account mo. Subukan na rin ng family na tanungin yong teller ng “Kabayan pa po itong account ng asawa ko or kapatid ko?”

  30. From march 2016 po nag open ako bdo kabayan savings account. Tas nagbabayad ako utang di ko napansin feb na… open pa po kaya..para di xa maconvert sa regular account na may maintaining bal.na 5000..thanks po..God bless you

  31. Hi, pwede po bang ire-activate pa ung account na na-closed na kc more than a year nang hindi nahulugan. Passbook peso savings account po.

  32. Need ko po kasing tumawag sa bdo maam para pg check sa account ko..at saka pg update na rin sa number ko na nakaregister doon para maka receive na ako ng bagong otp..pero d ko alam kung pano tatawag..saka if pwede lng po ba na cellphone ang gagamitin sa pagtawag sa bdo.. Sa kuwait po ako ngaun maam

  33. Hi po mam nora..ask ko lang po panu po tumawag sa bdo international tollfree number? Dito po ako ngaun sa kuwait..
    Tapus, ok lang po ba kung mobile phone ang gagamitin ko sa pagtawag? Paki answrr po maam. Thnx

  34. Hi po.. Ask ko lang, kasi po nag open ako ng kabayan savings, para po dito nlng sa acct. Na to magpadala ang asawa ko.. NASA. Qatar po sya.. Kaya lang po yung nakapag padala na sya, may charge na po nabawas sa kanya tapos po yung nag check ako ng balance, kulang po ng 85 pesos ,,another charge po ba ulit UN?

  35. Hi po good day..ask q lng po qng d na nahulugan ang kabayan savings account for 2 yrs close na po ba un balewala na po ung mga naihulog q dati?tnx po..

  36. Ask ko lang paano kung 12k lang ang hulog sa kabayan account from abroad makukuha ko ba lahat sa atm yun?

  37. HELLO PO, ETO PO SI MEDINA MATANONG KO LANG PO, KUNG ILANG TAON NA NA DI NAHULOGAN ANG ACCOUNT AT MAY LAMAN NAMAN NA MORE THAN 10K, MAGSASARA IN BA IYON?
    THANK YOU PO

  38. Hello, i just wanted to ask lang po for instance hindi nako nakakapagdeposit sa aking bdo kabayan savings ng mahigit isang taon na i think the last time nagdeposit ako was October 2015 pa, 2017 napo ngayon and gusto ko magdeposit sa account ko pwede pa po ba yun? Or adviceable ba na mag open na lang ako ng panibagong account? Thanks.

  39. Gud day ma’am sir
    Tanong kulang po about sa deposit ko.
    Last deposit ko nuong april 2015
    Pa.tapos ngayung Jan 2017 gusto ko magdeposit ulit.
    Paano ko malaman na active pa ung account ko..
    Andito po ako sa U.A.E ngayun..

    Thanks po..

    Please need ko sagot agad maam sir…

  40. Hi PO, ask ko lang po nag transfer kasi ako ng pera nong Friday (13-Jan-2017) pero nagtataka lang ako bakit hanggang ngayon mag 3 days na e di pa rin naka update ung balance ko same pa din ang amount may problema po ba sa account ko? Nasa Saudi po ako ngaun ung ATM Card (Kabayan Savings Card)ko din dala dala ko din check ako ng check sa Balance ko online but ganun pa din talaga. Nakabasyon ako last year May until June 28, 2016 and halos na withdraw ko po lahat ang laman non my 1,000 mahigit na lang natira then ngaung buwan lang ako nakapag hulog ulit with the amount of more than 26,000 peso. Pano po ba malalaman kung Active pa ba account ko or kung hindi na makukuha ko pa ba ung nahulog ko last week? How?

    Thanks

  41. Hi Ludy, was your transaction 6 months ago a remittance from abroad? If it was a foreign remittance, then, yes, your account is still active. If not, did you make a foreign remittance within the past 12 months, except this most recent one? If no foreign remittance within the past 12 months, except this most recent one, was your balance at least 10k pesos, before your most recent deposit?

  42. What if I did not have a transaction after 6mos and then I did have finally deposited on my account without verifying if my account’s still active. ..

  43. Hi Sheena, yes, basta merong Mastercard or Visa logo ang atm card mo, kahit converted na at regular account na siya, puede mo pa ring gamitin to pay online. Make sure lang to maintain at least 10k every day in your account para hindi siya ma-below-maintaining-balance penalty

  44. Hi, Wasn’t able to do a remittance yearly. So in case nga na naconvert yung account ko to regular savings account, can i still use my kabayan atm card specially in paying online since it is not yet expired? Thanks.

  45. Hi Lou, yes, kung lumampas ang 12 months without foreign remittance, kahit merong 20k, maco-convert into a regular passbook account. Lagi ka na lang mag-iwan don ng at least 10k pesos para wala kang penalty. Ipon mo na lang na pangmatagalan, and the more the better.

  46. Macoconvert parin po ba sa regular passbook yung kabayan ko khit may laman sya na 20k, last yr pa po ksi last hulog ko..

  47. Macoconvert parin po ba sa regular passbook yung kabayan ko khit may laman sya na 20k, last yr pa po kx last hulog ko..

  48. Pwede po ba mag over the counter withdraw mother ko with my passbook kabayan account? Hindi ko n po kasi maalala pin ng atm ng kabayan ko

  49. Hi, can my mom withdraw over the counter from my kabayan account?
    What are tge requirements if there is? Or any way she can withdraw my miney coz I forget my PIN for the atm.
    Please answer. Thank you.

  50. Hi,ako po si Ell Montarial may tanong lang po sana ukol sa Kababyan saving account ng asawa ko na nadoon sa Zambuanga..Narito po ako sa Thailand pero di ako maka pag send ng money bank to bank to her BDO account ano po bang dapat naming gawin para masolustionan itong concern ko kasi baka ma close yong account niya eh…nakakapagpadala ako trhough Cebauana Lullier pero ewan ko kong ok ba yon after niya makuha ang pera sa Cebuana iedeposit niya sa account niya sa BDO and ipakita ang resibo from Cebuana na nagpapatunay na galing sa abroad yong padala pwede na po ba yon para di ma close yong account niya?

  51. good day bdo..my kabayan savings po ak at nakalimotan ko na po ang passcode..paano po ba malalaman f active pa yung bdo kabayan savings ko? kc nakapaghulog na ako bago ko nakuha ang card mga 6 months palang baka nawala na yun?

  52. Ms. nora tanong ko lang po . Kase may nagpadala po ng pera sa account ko which is closed account na. Hindi ko po kc na check kaagad kung closed na or open pa. Saan po mapupunta yung pera nun? May tendecy po ba mabawasan yung padala? Thank you . Godbless

  53. Good day Mam,tanong ko lang nag open ako ng BDO account ko dito sa oman last Oct 10,2016 till now wala p ang bdo account ko.

  54. gud day mam pwde ba mgpadala ng pera sa kabayan ko ang mother ko from pakistan po sya? my moneygram nman po don..thankyou

  55. Good day po, sa kababayan savings po, dollar account, pwede po ba .94 lang yung remaing balance? Thank you

  56. Hi cherry, wala kang dapat bayaran sa BDO. Kung na-close na, huwag dapat magbayad ng anuman. Ang Kabayan ay nako-convert into a regular passbook account after 12 months na walang remittance from abroad. Kapag hindi na-maintain ang requirement na 10k sa 13th at 14th month, nao-automatically closed na ang account sa last business day ng 14th month.

  57. ma close po ba yung kabayan account pag hindi makabayad ng 10000 after 1 year na hindi nahulugan ng remittance?

  58. Hi lyra eugenio, kung 2 consecutive months na below 2k yong average daily balance mo, you’ll be charged 300 pesos starting the last business day of the 2nd month, at every month na yan, kapag pinabayaan mo na below 2k ang average daily balance for the month.

  59. hi its me lyra eugenio manabat tanong ko po sna mag ko close ba account ko atm card if nabawasan ko ang 2000 na deposit ko?

  60. gud day mam nora.. tnong ko lng po.. pwde ba mgpdala ang mother ko ng dollar or peso sa account ko sa kabayan? nsa pakistan po sya at my moneygram nman po don.. thankyou.

  61. Hello poh mis Nora tanung ko lng po ung account ko ng bdo madami n akong naihulog NASA 200k n poh prero na stop ako ng pag hulog ng 7 mounths mawawal po ba unag account ko??

  62. Hello po Ms Nora meron po akong BDO dollar account, last May this yr lng ung huling transaction ko kaso til now hindi ko pa nahuhulugan kc last time na dormant na sya dahil 6mo hindi gumagalaw ung account ko, posible po ba na dormant na ulit sya dahil more than 6mo nako hindi naghuhulog?

  63. hi po..ask ko lng po hindi po kc aku monthly nakakahulog sa kabayan acct ko nasakin po ang passbook at atm..
    maiipon po ba ung previous na nahuhulog ko sa acct?? nandto po aku sa dubai at dto po aku nagpa open ng acct ng BDO sa uae exchange..

  64. Hi cyndi, have you followed these instructions?
    Question: I am already enrolled in BDO Online Banking, how do I enroll in BDO Mobile Banking?
    1. Login to BDO Online Banking with your existing user ID and password
    2. Go to “Enrollment Services” > “Mobile Banking” > “Enroll”
    3. Enter your mobile banking number (mobile number) and nominate your Mobile PIN (Personal Identification Number)
    4. Click “Submit”
    5. Activate Mobile Banking on your SMART or Talk ‘N Text mobile phone a day after online enrollment to enjoy Mobile Banking
    Just please comment again if this is not the answer to your question. God bless too.

  65. Hi Arlene, most likely active pa ang account mo, pero baka hindi na Kabayan, baka regular passbook account na. Pag regular passbook account na, dapat meron kang at least 10k always in your account — hindi winiwidro. To be sure that your account is still active, ask your family to deposit 100 pesos over the counter to your account. If the teller accepts the deposit, it means your account is still active. They can also ask if the status is still Kabayan — the teller might or might not answer it because it’s not their account. You can also call BDO from abroad: 00-800-8-631-8000 or 00-632 631 8000

  66. Hi po ask q lng po qng activated parin ung account q,since last december 23,2015 hanggang di po aq nkapg remit sa account q,at pg may nag padala ba sa account q pwede parin po ba? Salamat po.

  67. Hi, I have been reading all the comments in ur blog..however i wasn’t able to find the answer on my problem.. I have enrolled my husband’s kabayan saving through online and activated it in the atm machine.. upon checking on my mobile banking through bdo app, it was indicated that the account is inactive. I have changed the pin before and also did balance inquiry and it worked in the atm machine.. likewise I was able to activate online banking in the atm machine as instructed.. I was a bit confused when it said that the account is inactive while in fact I did the instructions correctly.. hoping u could help me.. thank you..God speed..

  68. Hi france, walang minimum ang amount ng remittance to Kabayan account from abroad. Kahit over the counter deposit dito sa Philippines, wala ring limit. If it’s a huge deposit, tatanungin lang naman nila kung saan galing ang pera, or ask for some documents to comply with anti-money laundering regulations. Pero diyan sa country where you are, baka merong limit ang outgoing na pera per day and per month. Sasabihin naman ng remitter kung sumobra ka na sa maximum nila.

  69. Hello, tanong ko lang po regarding sa kabayan savings account ko, nadala ko siya dito sa UAE pati passbook, 8months na ako hindi nakapagpadala. Pwede ko po ba padalhan ng pera ito kahit dala ko siya dito sa UAE? Salamat po

  70. Hi Wilanie, walang maximum limit ang cash deposit sa Kabayan account. Kahit magkano ang ipadala mo from abroad, o ideposit mo over the counter. Pero siempre, kung millions na ang ipapadala mo o idedeposit mo, iho-hold ng BDO nang konti at tatanungin muna sa iyo kung saan galing ang pera — to comply with anti-money laundering regulations.

  71. Hi mam nora ask ko lang po tuwing nag aask ako sa bdo ko kong magkano na ang pera ko di nila sinasabi sa akin ikaw ang tatanongin nila kong magkano na pera mo,pagnaghhulog ako d2 sa lebanon tumatawag ako sa bdo di nila sinasabi kong magkano ang pumapasok ikaw ang tinatanong ganon ba talga sila sa bdo mam.

  72. Hi tanung ko Lang po sana kasi po may na ihulog po ako sa bdo kabayan na pera mula 2012 to 2013 Lng pero malaki po halaga un na sana sa pag uwe ko buo ma e widraw kasi nasa Kuwait ako. at kasalukuyang nasa shelter Nang embassy of Kuwait. At magdalawang taon na hindi ko nahulugan kasi po wala na po ako work. Ang mana po ng passbook ko Ay nasa 173,000.peso so.ask ko lang po mabawasan po ba yun Kong hindi ko na mahulugan

  73. hindi ko lang po kc alam kung online nagsesend ng pera ung agency ng friend ko..seafarer po agency nila.. ung mismong agency nya mgsesend ng pera sa kabayan savings ko.. kaso bpi cla.

  74. Nabasa ko po kasi to .. For SEAFARERS: You can open a BDO Kabayan Shipping Dollar savings account with passbook for only US$10. so ibig po sabihin ung us$10 pang open lang pala ng account un.. no need for maintainig balance?

  75. Thank you Mam Nora opo monthly naman po yung remittance sa Kabayan savings.. And pwede po bang Balance Inquiry through online ang kabayan savings?

  76. Hi veronne, ang asawa mo ba ay nakapagpadala from abroad sa Kabayan ninyo within the past 12 months? If yes, then active pa ang Kabayan ninyo kahit 1 dollar lang ang laman, kasi zero-maintaining-balance ang Kabayan account. Kapag hindi ka sure, puedeng i-present mo sa teller yong passbook mo at tanungin “Puede po bang paki-check kung Kabayan pa ang status ng account namin?”

  77. Hi anne, yon bang hulog mo in October ay galing sa Bahrain? If yes, oo, active ang Kabayan mo, kasi nakahulog ka naman within 4 months since opening. Ang kino-convert nila from Kabayan into a regular account na meron nang 10k-maintaining-balance ay yong walang hulog from abroad within 12 months.Did you change your atm PIN when you were in the Philippines?

  78. Hi mae, kapag online transfer, sorry BPI online banking does not yet allow transfers to accounts in other banks. BDO online banking to BPI, puede.

  79. Hello ask ko lang po bdo kabayan savings account gamit namin ng asawa ko 10 dollars maintaining kaso nung nagwithdraw ako nde ako nakapagbalance natira sa atm 1 dollar possible po kaya magclose account? i need reply thank yoy..

  80. Hi pOh ngopen pOh aq ng kabayan savings acount nung June 2016 bfor pOh aq bumalik dto Bahrain,,so June naibigay ATm at passbook q,,tpos nahulogan q lng nung October ktapusan,,at ngaung Nov di pOh ang nghulog,,DEC nmn pOh ulit wla nmn pOh bang problema in do nmn pOh bah mgbbawas ung hulog q nung. October

  81. Hi vincent, yes, active pa kasi meron pang balance, at na-access mo pa siya. Para sure, magpadala ka ng more than 10k pesos sa account mo at nang sa ganon, kahit halimbawa na-convert na siya from Kabayan to regular account, magiging safe ang account from below-maintaining-balance penalty. Check your balance from time to time.

  82. hi ms. nora yung kabayan savings atm ko a year ng hnd napapadalhan akso ngbalance ako kanina may 500 pa active pa po ba yun at pwede pa padalhan thanks po

  83. Hi TinTin, yes, puede-puede, mag-present ka lang ng receipt ng recent remittance mo from abroad. Plus 2 valid IDs and 2 ID pictures

  84. Ask ko lang po kung pwede akong mag open ng kabayan account kahit hindi kami kasal ng partner ko .. Nasa taiwan po kasi siya ..

  85. Hi BDO, salamat sa Kabayan card.. pwede po ba card lang ang kunin wag na sana ang passbook kasi obligado kami mag lagay ng 10,000 pesos sa passbook.. pag na closed po ang passbook ma closed din po ba ang atm card ng sabay? thank you po..

  86. Hi Gila, sorry malamang na-convert into a regular passbook ang account mo on March 30, 2016, then was charged 300 pesos a month for below-balance penalty from May 2016 to Sep or Oct 2016, and when the balance became negative, it automatically closed. You can call BDO 00-800-8-631-8000 or 00-632 631 8000, or you can apply for a new account. Ask any of this BDO remittance partners in Kuwait

  87. Hi Po Mrs Nora, Mag ask lang po sana ako kung pwedi ko pa magamit yung Kabayan Peso Savings Ko Sa BDO Mataga Na Po kasi Na Hindi ako nakaka hulog Last Diposite ko po kasi ng mars 31 2015 pa, Hindi pa po ba nag close ang account ko May 1,243.25 lang po ang laman ng savings account ko

  88. Hi girlie panes, the only way is to call BDO — 00-800-8-631-8000 or 00-632 631 8000, kasi ayaw nilang magbigay ng confidential info via email. Pero you can also try asking your question here on this BDO Contact page.

  89. Hi margielette, enroll first in BDO online banking. Go to bdo.com.ph. Click Online Banking Login, the click “Enroll Now!” Activate your online banking enrollment through a BDO atm using your activation code

  90. hi po.ask lang po ako last december nag open ako ng kabayan savings account 11 months d ko pa xa nahulugan. 500 pesos po ung nadeposit ko noon. gsto ko po sanang maghulog this month..paano ko po malaman if active po xa o nd na? nandito po ako sa taiwan ngayon..

  91. Hi Raymond, that’s a good plan. Yes, puedeng ganon. Pero kapag lumagpas na ang 12 months at wala pa ring foreign remittance ang Kabayan mo, mako-convert na siya into a regular passbook account, requiring 10,000 pesos as maintaining balance. Mas okay siguro na you open a regular atm account (atm card only) — 2,000 pesos lang ang maintaining balance, then i-enroll mo while you’re in the Philippines sa BDO online banking — it needs kasi activation sa BDO atm.

  92. Hi rina, nag-enroll ka na ba sa BDO Online banking? Na-activate mo na ang iyong atm card? Meaning nag-changed PIN ka na? To enroll, punta ka lang sa bdo.com.ph, click mo yong “Online Banking Login,” then click “Enroll now!”

  93. hi po. ask ko lng po,nag paplan po kasi akong mg open nang kabayan savings kasi mag jajapan po ako nextyear,if na open ko na po,pwd po bang hulugan ko muna dito sa pilipinas?ok lang po ba iyon or kailangan nasa abroad na po.thanks po.

  94. Hi Jielyn, sorry ang alam ko hindi nagre-reactivate ang BDO ng closed accounts, pero puede kang mag-open ng new account sa kanila.

  95. Hi Joe, did you mean na ang Kabayan account mo ay kao-open lang 2 months ago? If yes, dapat active pa ang Kabayan mo kasi newly opened lang, so puedeng depositohan o padalhan. Ang rule nila is pag walang foreign remittance within 12 months ay maco-convert into a regular passbook account, tapos pag 100 pesos lang ang laman, ma-automatically closed na on the 14th month.

  96. Hello po..tanong ko lng kung active pa ba ung kabayan savings accnt.kung hnd nahulugan ng remittance from abroad,2 consecutives months na walang maintaining balance at 100 pesos lng laman nya..active pa po ba un at pwd pa mgdeposit?thank you

  97. Hi aki, punasan mo yong likod ng atm card ng panyo o t-shirt mo nang magaan lang. Then try again. Try another atm machine. Kung ayaw pa rin, try the next day. Punasan uli. Another atm machine. Kung ayaw pa rin, sira na talaga. Sori yong bf mo na lang ang puedeng maka-apply sa branch niya ng bagong atm card. Hindi puedeng ibang tao. Siya lang, in person, with his IDs.

  98. Hello po..ano po gagawin ko may debit card aq and then hindi po sya nkpngaln skin nkpnglan s boyfriend ko..ngayon po bigla ngiinvalid yung card..pano po ito ?

  99. Hi Mrs Nora, I just want to ask if i can re-open my kabayan account that already close, im here now in Philippines, i want to open it again to use a saving account.

  100. Hi Ronaldo, yes, that’s surprising. Is your account a Kabayan? If yes, it should still be active, as it’s zero-maintenance as long as it receives a foreign remittance at least once every 12 months. Or is it a regular account with a balance of less than 300 pesos? If yes, it was most likely charged with below-maintenance fee, balance became negative and account was automatically closed. Yes, about online banking, that’s puzzling too. I’ve received several comments here saying their online banking is active, but they are not able to see the balance page. Call BDO 00-800-8-631-8000 or 00-632 631 8000 or write your inquiry here: BDO Contact Page

  101. Hi Ms. Nora, I was surprised to see that my savings account was closed after just two months of non-remittance. Nag-deposit ako ng cash sa account ko via a local remittance agent dito overseas kaso hindi tinanggap ng BDO kasi closed na daw ang account. Is there any maintenance going on or talagang closed account na ko? How come I could still view my BDO online account pero walang balance history?

  102. Hi zoila, sorry, palagay ko closed na ang account mo, kasi mga 15 months na ang lumipas. Puede siyang magpadala para ma-cash pickup mo sa BDO. Bring your reference no.

  103. hi ms.nora pwede po magtanong.nag open ako ng kabayan peso savings nun august 3,2016.pero dpa nahuhulgan ng mister ko pwede pa ba siya maghulog dun.tenx po.

  104. Hi Jovy, sorry hindi puede. Hindi nare-retrieve ang atm PIN. Ang ginagawa kapag hindi na maalala ang PIN ay pinapapunta ang account owner sa branch para mag-request ng new atm card para malagyan ng new PIN.

  105. Hi ms Cora good evening..once again po gusto ko lng po malaman kung pwede po magpa retrieve ng pin# sa pilipinas while I’m here in taiwan..thank you po

  106. HI GOOD DAY. Tanong kulang po? about sa kabayan savings ko. 1 year and 5 months napo ako dito sa saudi pero ung nalagay kolang po sa atm ko ay 5k lang. tanong ko po maam hndi bayon ma close ang atm ko. gusto kulang po ma sure kung active paba yon or dina. thank you poh.. god bless

  107. Hi mae, what do you mean? Magdeposit sila ng pera sa BDO account mo sa BDO branch na hindi mo branch? Yes, puedeng-puede. Pag Batangas ang BDO account mo, at sa any BDO branch in Makati sila magdeposit, merong 100-peso deposit charge. Pag Makati branch ang account mo, at magdeposit sila sa ibang branch in Makati or Metro Manila, walang charge.

  108. hi good day.. tanong ko lng po.. pwde b mgpadala skin ung agency ng friend ko s makati sa accnt ko.. gmit nila ibang bank branch.. hndi mismo s bdo branch?? andito lng ako s batangas.. slmat.

  109. Hi gladys, kung hindi na mapadalhan ng pera from abroad ang Kabayan, mag-open ka na lang ng BDO atm savings, dahil 2000 lang ang maintaining-balance requirement nito. Ang Kabayan kapag hindi na mapadalhan ng pera from abroad ay kelangan na ng 10k pesos na maintaining-balance kasi passbook account siya. After you have opened your atm account, iwidro mo na lahat yong pera mo sa Kabayan para ma-automatic closed na siya. If you forgot your atm PIN, doon ka na sa over the counter magwidro, using a withdrawal slip. Bring your passbook and IDs. Later on, doon ka na mag-save sa atm account mo. Kelangan lang na i-maintain mo yong 2k pesos sa account para hindi ka ma-penalty.

  110. Hi, paano po kung wala na ako sa abroad? Sa pinas n po ulit ako.. tanong ko lng po kung ganon p din ang hulog kahit 1 beses kada 12 buwan? Sa kabayan savings acc. ko

  111. Hi, nakalimutan ko po kasi yung password ng atm ko sa kabayan savings account ko.. kya hnd ko n poh hinulugan mlapit n poh mag expired (nov.12,2016)ang account ko sa kabayan savings acc nanghihinayang po ako gusto ko po mahulugan sana.. khit 500 po ba ihulog ko ok lang? Pra hnd lng sya mag convert sa regular passbook?

  112. Hi Mercy, hindi ko na sure kasi magwa-one year na. Ang sabi ng BDO, they will convert the Kabayan into a regular passbook account (which will require a 10k-peso maintaining balance) after 12 months of no deposit, pero based on comments, kino-close na kahit wala pang full 12 months. Call BDO 00-632 631 8000 para sure.

  113. Hello po tanong ko lang po kc ngpaopen acct aq dto sa taiwan ng kbayan peso savings nong Nov.12-2015 pero my nkadiposit po syang 100 peso..ayos pa po ba un??? Kht d nhulugan

  114. Papasok pa din po kaya remittance ko pag 700+ na lang natira? Kasi nagamit ko nung 26 yung 2k maintaing balance. Asawa ko po nagpadala nung friday, hanggang ngayon wala pa. Pero bago po yun nung oct 03 nabawasan na po yung balance kong 2k na 50. Tapos po after ilan days nagpadala na asawa ko pumasok naman po agad sakin ng october 07.

  115. hi,
    gusto ko lng po malaman kung bkit 500 ang nababawas sa acct ko since nagre remit naman po ako more than 40k then ang sabi sa amin before we get the atm acct na wlang maintaining balance at pede pa ma widraw lahat pro di nman po nangyre yun. nagdeposit din po ako ng 150k last time pro wala din po nangyare meron din po bawas.

    salamat po

  116. Hi Julie Ann, bago lang ba yong account mo? After 12 months from opening, dapat meron kang at least 10k sa account mo at dapat hindi mo winiwidro, para hindi ka mag-penalty ng 300 pesos a month. Kung hindi mo ma-maintain ang 10k, mag-open ka ng BDO atm savings account — 2k lang ang maintaining balance requirement nito. Then close your Kabayan and put your money into your atm account.

  117. Hello ms. Nora, may tatanong sana ako, may BDO Kabayan Account ako, kaso wala naman tao na pwede mg-send nang remittance galing sa ibang bansa, anong mangyari sa account ko, but lagi ko naman sya hinuhulogan… anong dapat ko gawin para hindi ma close young account ko or kailangan ba ako magpalit ang regular account savings?

  118. Hi Nhonim, required pa rin na magpadala ka from Qatar directly to your bf’s Kabayan account para ma-maintain na Kabayan ang account niya. Hindi counted ang BDO online transfer kasi it’s local transfer, hindi siya foreign remittance.

  119. Hi po ask ko lang sana my bdo kabayan savings kasi kme ng bf ko isa naskin dto sa qatar ung isa nasa kanya sa pimas diba sabi nila need n my remittance khit atleast 1 beses kada taon ask ko lng sana kung counted b n remittance pra sa atm nya kung online transfer gagamitin ko mula sa atm ko mgpapadala ko pera sa atm nya ? O need pdin ng remittance direkta sa atm nya galing sa mga remittance center ?

  120. Hi anne, what do you mean? Merong BDO online banking ang sister mo at nag-Send Money siya sa BDO account mo na invalid na pala? If yes, what will happen is that ibabalik ng BDO ang sent money sa BDO account ng sister mo. Siguro within 2 to 3 days. Comment na lang uli kung iba yong nangyari

  121. Hello po ask q lng po nagpadala po ang sister q from dubai tru online banking ng BDO eh kaso invalid na po ang account. Paano po ba makukuha ang money or pwede pa po bang maibalik sa nagpadala. Thanx po.

  122. Hi Aileen, baka kasi yong mga friends mo diyan ay nagsimula na lang silang mag-remit sa Kabayan nila after 12 months na na-open yong Kabayan nila. Anyway, kung na-convert na to regular account ang account nila, dapat i-make sure nila na merong at least 10k sa account nila at hindi ito nababawasan para hindi maubos ang pera nila dahil lang sa below-maintaining-balance penalties. The best way is to call BDO from Dubai, pero puede mong subukan tanungin ang status ng Kabayan account mo, kung Kabayan pa rin o regular here sa BDO Contact Page. In the meantime, make sure na lang na meron kang at least 10k sa account mo, para safe siya from penalties.

  123. Hi po..ask ko lng po pnu ko malalaman kung kabayan savings p din gamit ko or converted na ba xa s regular acct….my mga frienda po kc aq s dubai na kht my foreign remittances naman…nag convert p rin acct nl fr kabayan to regular acct ng hindi nl alam….enrolled din po ako s online banking…tnx.

  124. Hi Aiza, sabi mo 3 years nang hindi nawiwidrohan, pero napapadalhan mo ng pera ng at least once per year? Napadalhan mo this year? In 2015? in 2014? If yes, oo, andon ang pera mo, basta trusted yong humahawak ng passbook mo. Puede mong kausapin yong nakahawak ng passbook mo na pumunta sa BDO at ipa-update sa teller (walang gagawin kundi update lang), and then ipadala sa iyo ang photo ng transactions at balance.

  125. Hi Nora from Jordan po ako iniwan ko po yung bdo asenso kabayan passbok k sa pinas at hinuhulugan ko po, hindi po ba magagalaw yung pera kahit na 3 years na hindi na wiwidraw yung pera?

  126. Hi Merlie, sad to say, hindi na nare-reconvert to Kabayan status ang Kabayan na na-convert na to regular. Siya ba ang mag-open o ikaw? Ikaw, puedeng mag-open ng new account basta wala kang existing Kabayan account. Yong sa sister mo, kung existing pa yong account nia at hindi pa na-closed, hindi pa siya puedeng mag-open ng iba.

  127. Hi Ms. Nora! Meron po kasing kabayan savings account ang sister ko na naconvert na to regular savings account kasi one year mahigit akong nakabakasyon dito sa pilipinas at hindi na nahuhulugan. Since magwowork abroad uli ako, possible po ba na maiactivate uli yung account nya to kabayan savings account once na makapagremit na ako uli? Or need ko mag open ng bagong kabayan savings account? Hope you could give me advice. Salamat po,

  128. Hi Angie, yes, merong interest, pero konti lang. Mag-ipon ka na lang, then kapag malaki na, i-time deposit mo to get a higher interest rate.

  129. Tanong ko lang po pag naka maintain ka ng 10k na balance sa kabayan savings account meron po ba yang interest.

  130. Hi Ofelia, meron bang laman yong account? Kung walang laman, o kung 100 pesos lang, hayaan na lang na mag-automatic close. Walang effect yon sa account owner. Maraming naco-close acount automatically

  131. Hi po ask ko lng nging regular acct po ung sa brother in law ko at ayaw n nya ituloy nalimutan nya ang password ng atm at misis naman nya sa pinas ang may hawak ng passbok. Ano po dpat nila gawin kasi ayaw n nila ituloy ang acct. Kung hayaan n lng ung acct may disadvantages b un sa part nya.

  132. Hi Unica, newly opened ba ang account mo? At kaka-change mo lang ng PIN? Try again after 24 to 36 hours. Kung lumang account na, call BDO or visit your branch with your ID and ask.

  133. Hi Ray jean, it’s puzzling that your online banking enrollment was approved, as your account might have turned inactive. But it should still be active as the 12th month is yet to come, based on their 12-month rule. Have you tried again? I hope your balance is showing now. If not yet, you can call BDO 800-863-0011 (toll-free if your use landline)

  134. Hi ms nora. Im currently working in jeddah. I opened kabayan savings in the phil when im on vacation (january 2016). Until now hindi pa ako nakakapag hulog. Then i applied for online banking here. It was already approved, But i can not see my deposit amount. Ang sabi, my account is inactive. Bakit hindi ko makita yung perang dineposit ko the time na ng open ako ng account?

  135. Hi Eric, sorry for the delayed response. Yes, you can open your own Kabayan account. Bring a recent receipt of your remittance from your wife or any person basta from overseas, 2 valid IDs and 2 ID pictures.

  136. Magandang araw po sa inyo. Itatanong ko lang po kung pwede po ba na ako lang ang mag open ng Kabayan Peso savings kahit na yung Misis ko po ang nasa abroad wala po kasi sya time para mag open din ng account nya duon. salamat po

  137. Hi key, nalito ako sa tanong mo — “kahit di ako mag remittance okay lang ba natuloy tuloy ko hulugan”. Merong inward remittance fee, mga 200 siguro. Tingnan mo baka mas maganda na diyan na sa abroad ang conversion into peso, baka mas mataas ang palitan diyan. Mas maganda rin na 10k or more ang balance ng account mo, para hindi mo man mapadalhan once every 12 months ay safe pa rin ang account mo at never na magka-charge.

  138. Hi Cynthia, yes, puedeng depositohan yan over the counter dito sa Phils. Pero kung gusto mong ma-maintain na Kabayan yang account mo, dapat merong remittance from abroad at least once every 12 months.

  139. Tanong ko lng po kung yung Kabayan Acct ba pag hindi nahulugan ng 5 months mula nung nag open acct ka,ma autamatic convert po ba yun sa regular acct?di pa po kasi ako nkapag hulog mula nung nabalik ako dto sa abroad eh,salamat po..

  140. Mrs Nora pwede po ba pahulugan unp account ko sa pnas na mismo ihuhulog kc bka po foreign remittance lang pwede pls reply

  141. February na open yung account ko . tanong ko lang kahit di ako mag remittance okay lang ba natuloy tuloy ko hulugan ang bdo kabayan card ko? wala bang mababawas sa pera ko ?

  142. hi miss nora . tanong ko lang po kasi dito ako ngayon sa kuwait tas may kabayan saving account ako pero nasa akin ang atm at passbook pero nahulugan ko sya ngayon mahigit 10K ok lang po ba yun kasi walang remittance

  143. nagpadala ako ng pera through remittance center pero sabi sa bdo expired na daw bdo kabayan savings atm ko. nagtataka ako bakit expired na kasi 3 months pa lang na di ako nagpadala from abroad to my kabayan savings account. ano po dapat gawin? thanks

  144. Hi Abenjiers, madedeposit yan kasi money transfer from abroad. Mas gusto nga ng BDO yang dollar kasi mas malaki ang kita nila sa exchange rate kesa sa kita sa remittance fee. I-compute mo later on kung anong rate ang ginamit ng BDO. Tingnan mo sa nailasmoneychanger.com ang dollar-peso rate then i-compare mo ang rate that BDO used. Try to ask your sender to send in peso na at tingnan nio kung ano ang mas maganda, meaning mag-send ng fixed amount in pesos — yon bang sasabihin nia sa remittance company doon na “kung gusto kong 20k pesos ang madeposit doon sa Philippines, how much in dollars will I pay in all?”. If you have time later on, can you comment again and write what rate BDO used, and thanks.

  145. pwede bang pumasok ang dollar remittance (hindi converted to peso nung pinadala) sa Kabayan Peso SAvings? o marereject eto?

  146. Hi angie, Moneygram says that it can credit a receiver’s bank account within the day or the next day, and even faster if it’s with BDO. Yes, check with BDO.

  147. Hi ILYN, how much is your balance sa Kabayan mo? Kung sure mo na Nov 2015 ang last hulog mo, Kabayan pa ang account type mo. Dapat magsend ka uli this Sep para Kabayan pa rin ang account type. Pag Kabayan kasi, the 10k maintaining balance is not required. Ang rule for maintaining Kabayan is to send to Kabayan from abroad at least once every 12 months. If more than 10k ang balance mo, mas okay kasi kahit hindi ka muna makapaghulog within 12 months, at ma-convert na siya into a regular passbook account at kelangan na ang 10k maintaining balance, ok pa rin ang account mo, dahil meron ka namang 10k for maintaining your account. You can call BDO from UAE to ask about your account: 800-0630-0021 (toll-free if you call from a landline)

  148. Hi miss nora my sister use money gram. I gave her my account and my name to my sister I dont know if there something wrong with my account maybe there something delay I will check on monday

  149. hello pu ask ko lang pu activate pa bu b ang kabayan savings account ko andto pu ako sa uae ever since na ng open pu ako dko pa pu xa natitingnan kz pu dpa ako nakakauwe ng pinas and then napastop pu ako mghulog ask last hulog ko pu nov 2015.ask ko lang pu kung activate pb xa at safe pa pu eun money na naiuhulog ko sa account ko.thankyou

  150. Hi angie, your money should already be in your account. Call BDO or visit your branch. Is there a possibility of an error in your name or account no.? What remittance company did your sister use?

  151. Hi just want to ask about kabayan remittance. My sister send me money from my account last august 27,2016 from USA its saturday there and sunday here in the Philippines. How many days will be the processing? Coz until now I did not receive the my kabayan money and it September 3 and its almost 5days already

  152. Hi Cate, withdraw all your money and it will automatically close. You can use your ATM card as debit card in SM supermarkets and affiliates so you can withdraw even up to the cents.

  153. Hi.ask ko lng po kng active pa po yun kabayan savings account ko na mag 7 months na hnd ko nahulugan Febuary 2016 akng nag open ng kabayan saving account pwde pa ba yun hulugan khit mag 7,months na active pa kaya yun tnx…

  154. Hi Josephine, sad to say na ganyan nga ang BDO. I also experienced it. From then on, hindi na ako nagparemit sa BDO account from dollars to peso. Ask your husband to remit an exact amount in pesos from abroad. Yong doon na sa abroad ang palitan ng dollar to peso. Halimbawa, he likes to send 20,000 pesos. He then asks the remitter how much dollars he will pay so that 20,000 pesos will be the amount exactly credited to your account. Nagtataka nga ako na parang konti lang ang nagrereklamo.

  155. Hi po nghulog po mr.ko sa atm kbyan savings account remittance 500:usd ang lki po ng charge.kla ko po wlng charge.nanghinyang po ako na mlki ang kaltas.one tym plng po nhulugan ng mr.ko.tnx po.

  156. Hello po. I have questions po. Nandito po ako sa UAE ngayon & around June 2015 po nag-open ako ng BDO Kabayan Savings, tapos nakuha ko po yung ATM & passbook around Sept. 2015 kaso di pa raw po sya active as per the instructions na kasama nung card. Di pa po kasi ako makakauwi so pwede po kayang yung nanay ko po ang mag-activate? Or kelangang ako po talaga? Is there any other way to activate it like online? Also, safe po bang magdeposit kahit di pa sya activated? Medyo hesitant po kasi ako baka di po sya mapunta sa account ko. As for online banking po, pwede po ba kong magregister dun kahit di pa activated ang account just to track the balance? Hoping for an answer po since mag-12 months na yung account e kelangan ko pong habulin if ever para magstay sya as Kabayan Savings account. Thank you po in advance~ God bless! 🙂

  157. Hello…ask ko lang po..pwede po ba mag open ng kabayan savings..tapos ako na po mag deposit ng pera here s pinas..kz hnd po alam ng bf ko kung saan ihulog ang pera don sa germany na connected s bdo kabayan accnt ko..

  158. hi miss nora ask ko lang po pde banakommaf deposit sa al ansari exc. panu po yun mam direct na po ba yun na papasok sa acct ko .. pag nagdeposit ako kelangan ko ba ibgay din ang acc. #

  159. Hi ask q lang if mas maganda na dalhin q passbook at atm q papunta dubai or iwan na lang ang atm q sa pamilya q.gusto q kc mag save talaga pero iniisip q kc baka pag nag deposit aq may charge sa dubai.. at least kung nasa pinas ang atm q isang charge na lang ang mangyayari tama po ba?salamat po

  160. Hi nora. Nag open ako ng kabayan account pero ang sabi sakin dapat daw taga buwan ay dapat mapadalhan ng pera galing abroad?

  161. Hi Ms.Nora,Nag open ako dito sa Bahrain after one month na received ko na ang atm at passbook ko. Balak ko mag deposit monthly sa account ko, pano ko malaman ang maintenance balance ko?

  162. Hi John, did you open your Kabayan account in the Philippines? If opened in the Phils, yes, you can deposit any peso check to your BDO account. If opened abroad, just ask your representative to try depositing. I have read that some Kabayan accounts opened abroad are marked not ready to accept check deposits, maybe because of identification questions.

  163. Hi ms. Nora.. ask ko lang if pwd ba akong makapag check deposit sa bdo kabayan account ko…. ang cheke nass pinas.. under metro bank.. then gusto ko siya i deposit sa account sa bdo kabayan savings ko… pwd po ba yon??

  164. Hi Cynthia, yes, puedeng mag-deposit sa Kabayan account over the counter at BDO. There’s a charge of 100 pesos if deposit is made at a branch outside your branch’s region or phone area code.

  165. Ms Nora ask ko lang po pwedi po bang mgdeposit sa kabayan savings galing philippines mismo?, kht active pa po sya as kabayan savings pls reply

  166. Hi Aimee, most likely your Kabayan account is already closed; closed on the 13th month. BDO converts Kabayan into a regular passbook account after 12 months without remittance, and closes it automatically at the end of the 13th month if the balance is less than 300 pesos. Just open another account when you take your vacation. God bless you too.

  167. Hi ms nora, i just opened my kabayan peso savings account, sabi ko sa teller im not sure if gagamitin ko tong inopen ko na account pang receive ko ng pera na ipapadala ng husband ko pro sabi nya atleast once a year lang. So sabi ko okay. Pro if hindi 10k ang maintaining bal diba? Ang tanong ko mababawasan ba ung 10k ko? Kung if wlang remitance ng 1 year? Thanks i hope u will answer my question.

  168. Hi miss Nora, Ask q lng po if active pa bah ung kabayan savings q last year may 2015 ang last withdraw q.then hindi q na ulit na hulugan taz ngaun gusto q e continue ang kabayan savings q active pa bah un?pki answer na lng poh maraming salamat..

  169. Hi Ms. Nora, Ask ko lang po sana if active pa po kaya yung account ko. I opened my account last January 14,2015. Nagpaplan po kasi akong maghulog sa account ko kaso bka di na sya active. I tried to call BDO hotline but i cant reach them. Is their any way to know that my account still active?
    Thanks in advance if you can answer my question. Godbless You!

  170. Hi Dindin, naku most likely na-closed yong Kabayan mo on the 13th month na hindi nahulugan. BDO does not reactivate closed accounts. At ikaw mismo ayaw mo nang ireactivate, if for example reactivation is allowed, kasi costly na yong penalties — mga 300 pesos x 11 months or more. Mag-open ka na lang uli when you take your next vacation.

  171. Hello po. Ask ko lang po if ok pa na mg deposit sa kabayan acct ko kht mtgal na etong hnd nadedepositan lets say more than 2 years. Then now ko lng ulit plan mg deposit. How much is needed to activate it again.thank you..

  172. Hi Narlo, the passbook will be a record of remittances sent and your withdrawals. Puede mong ipa-update sa branch anytime, or maybe every 3 or 6 or 12 months para ma-print ang mga remittances and withdrawals sa passbook. No, your family abroad does not need the passbook to be able to send. You just send them your bank name, bank branch and account no.

  173. Hi, i just wanted to clarify. What is the use of the passbook? I’m so confused kasi nag initial deposit ako ng 2500. So they printed my initial deposit na 2500. So uhm, pag dating kasi ng card ko mag wiwithdraw lang ako and hindi ako mag dedeposit kasi yung family ko from abroad ang mag dedeposit. Do they need the passbook?

  174. Hi Marie, active pa yon palagay ko, pero malamang nabawasan na ng 300 pesos for below-maintaining-balance penalty. It’s no longer a Kabayan account; it has been converted into a regular account that requires a 10k maintaining balance. You can choose to close it and open a 2k maintaining account, or you can continue but you need to maintain 10k in your account. To be sure if it’s active, you can call BDO International Access Code-800-8-6318000 or you can ask your family to deposit 100 pesos to your account to test if your account is still active. If the deposit is accepted, then your account is still active.

  175. Hi Angelie, yes. To open a BDO Kabayan account, present 2 valid IDs, two ID pictures, a copy of receipt of remittance from abroad and 100 pesos.

  176. Hi Ms. Nora, itatanong ko lang po kung pwede ako mag open ng kabayan saving account at doon yung boyfriend ko from states yung mag papadala? And ano po mga requirements ang kailangan?

  177. Hello po,tanong ko lang po kung active pa ung kabayan saving account ko,last year june po last na nahulugan..may balance po na 667 pesos.gusto kung hulugan ulit..

  178. Hi ayen, you need to call BDO kasi hindi sila nag-eentertain kapag ibang tao ang magtatanong ng balance; dapat ikaw mismo. Call BDO: Tll-free from landline there: Kuwait’s International Access Code-800-8-6318000. Pag cell phone, you use 00 + 63 + 2 + 631 8000, with phone charges na ito.

  179. Hello po!tanong ko po jung active pa kabayan saving account ko.isang beses ko lng nahulugan last year.gusto ko po sana hulugan bago ako umuwi ng pinas.sana po masagot ninyo agad tanong ko.ngayon october po uwi ko.maraming salamat

  180. Hello po.
    Dito po ako s kuwait, nagdeposit po ako s kabayan account ko this month. But upon checking my balance via atm dito rin s kuwait kulang po yung balance nya ng nsa kulang 15 thousand pesos.
    San po ako pwedeng magtanong. Nandito po kc atm tsaka passbook ko.

  181. Hi ask ko lang po panu malalaman if active pa ang kabayan saving accounts ko kase more than 1 year na siya di nahuhulogan ?

  182. hi nora ask ko lang how many days bago ma receive ang remittance from sweden through a kabayan savings

  183. Hi epie, yes, ok lang kasi pinayagan ka namang mag-open na walang initial deposit. Zero maintenance naman kasi yan. Para ma-sure mo na active ang account mo, try making a balance inquiry at a BDO atm. Kapag nakapag-balance inquiry ka at makita mo sa screen na 0.00 ang balance mo, yan active ang account mo, at puedeng padalhan ng boyfriend mo.

  184. dito po ako nag open sa pinas ng kabayan , bali boy friend ko from sweden ang mag papadala..yon nga po ang tanong ko pano kung wala syan initial deposit ng 100pesos. pde prin po ba yon mpadalhan..kc by this weekend palang mag papadal e

  185. Hi epie, did you apply for Kabayan diyan sa abroad? At nasa iyo na ang passbook and atm? Pag meron ka nang passbook, oo puede na padalhan ng pera ang account mo. Initial deposit lang yong 100 pesos. Zero maintaining ang Kabayan pero dapat merong at least one remittance from abroad every 12 months. Pag wala, 10k ang maintaining at there will be a 300-peso penalty every month if not maintained.

  186. hi miss nora, ask ko lang po,my kabayan account is zero balance, kaka open ko lang po 2 weeks ago, worried lang po ako kasi sabe sa akin kelangan ng atleast 100 pesos maintaining balance..pwede pa po ba ito ma padalhan ng pera from abroad? kahit wala ng 100pesos na maintaining balance?

  187. Hi Gerlie, if you can no longer remember your PIN, sorry, you have to apply for a replacement card in person at your BDO branch. PINs are no longer retrievable; this is for security purposes.

  188. What if i forgot my pin and i’m still out of the country? How can i retrieve my pin to be able to withdraw from my atm card abroad?

  189. Hi lirio, if your spouse/sender is a seaman, and his salary is transferred directly or deposited over the counter by his agency here in the Philippines, BDO Kabayan is not a good account, unless you can maintain 10,000 pesos in your account. Kabayan is zero-maintenance ONLY if it receives a foreign remittance at least once a year. Have 14 months passed since he opened his Kabayan? If 14 months have passed, and no foreign remittance was credited, and 10k pesos was not maintained, his account will be charged 300 pesos on the last day of the 14th month, and again on the 15th month, and so on.
    Suggestion: maintain 10k in the Kabayan account, and when your spouse gets back to the Phils, he opens another account with a 1k or 2k maintaining balance, and maintain that 1k or 2k in the account.

  190. good day. just want to ask what if the account didnt receive remittance, instead the agency just deposited the money directly to the account. what will happen to his account? are they still going to deduct the 300 pesos every month?

  191. Hi Fatima, did you press Savings as type of account? or Cash card if your card is cash card? Is your atm card new and you have just changed your PIN? Try again after 24 hours from the time you changed your PIN.

  192. Hi po what does this mean — does not exist — when I tried using my card at the atm machine po?

  193. Hi elias, sorry you’re the only one who can claim it back with your IDs because you’re the owner of the atm card. Cards captured by BDO are destroyed after 3 days. Cards captured by other banks’ atm machines may not be retrieved; it depends on the bank officer at the time the card was captured, and it should be the card owner who can have it retrieved. When you get back in the Phils, apply for a replacement card at your branch. By the way, if captured at a non-BDO atm, you should also report the capture or loss of your atm card to BDO 6318000 or International Access Code-800-8-6318000 (toll-free if from landline) because of the possibility the atm officer at the other bank is not a good person and will try to guess your PIN.

  194. Hi Nora How can i recover my KABAYAN SAVING ATM card that was captured by ATM machine in manila. right now i am here in QATAR need advice thanks elias

  195. May possible Padang ma active KABAYAN SAVING KO?
    Almost 1year na ako dito sa saudi,Hindi ko nahulogan sa bagamat malayo ako sa suweded,pati email ko naka attached dito ay Hindi kuna mabuksan,dito ako saudi,ngayo n nalipat ako sa suwedad at nais ko ito ipa active,please help po,gusto ko hulogan ng malaking cash,pakiusap sana mabuksan ito,reply lang sa email ko,pakiusap po please please

  196. Hi Lhyn, you tried at an atm abroad? I think the Mastercard function was not working for that atm. BDO says their allowance is 12 months, so your account should still be active. You can call BDO International Access Code-800-8-6318000 toll-free from a landline there. Or you can ask your family to deposit 100 pesos to your account over the counter. If it’s accepted, then your account is active.

  197. Hi po i have kabayan savings account i got last dec.2015. I deposited 100 pesos. I want to deposit again so i checked yesterday but the atm said this function is not available pleASE try again later. is it already closed? thank you

  198. Hi Niezl, did they say your mom can claim the atm card? I think the atm card can only be claimed by the account owner. Your account was already active when your passbook was released. You can deposit or remit to your account anytime. About the speed of remittance, it depends on where you’ll send the money. Some remittances are available immediately, some after several hours, others the next day or 3 days.

  199. Hi po tomorrow the atm will be claimed but the passbook is with my mom already. if the atm is not available, and I send money, can they receive it immediately? is it automatic that my account is activated or I wait for the atm to be claimed?

  200. Hi lolita, yes, you can send through Western Union to your BDO account. You can also use Moneygram or Service Exchange Co.(SECO)

  201. Hello po mrs nora. Can i send money through western union to my bdo kabayan? I’m here in Lebanon thanks po.

  202. Hi Michelle, if you opened your Kabayan account in the Phils and you presented at least 2 valid IDs when you opened it, and your account is active, your cheque should be accepted for deposit.

  203. hello.i have a cheque in the philippines and i am here in kuwait. it is permissible if they deposit it to my account?

  204. Hi Mei, was there a foreign remittance to your account for the last 12 months before this recent remittance from the US? Because if there was none, maybe your account was converted into a regular passbook account, and then when there was no balance to pay for the below-balance penalty, it was closed. If you’re not sure, go to your branch and ask. If it was closed and BDO does not want to reactivate it, ask your sender to amend his remittance from account deposit to Cash Pickup so you can claim the cash over the counter.

  205. Hi i was trying to withdraw earlier but then my account is inactive, how come? The last time i withdraw was may 14 i think. It is kabayan acct and the money was from US

  206. Hi Len, it should still be active, but to be sure, ask your husband or family member here in the Phils to deposit 100 pesos to your Kabayan account. If the deposit is accepted, it means your account is active, and you should remit to your account from abroad immediately so it remains a Kabayan account.

  207. Hi Ms. Nora I’m here in Qatar po last yr. we opened an Kabayan Saving Joint account me and my husband but sad to say we havent deposit any money for 11months now is it still active and if we can still deposit now?

  208. Hi nurmina, are you sure that you remitted just a few days after 12 months? If yes, your account should still be active. But it was already converted into a regular passbook account, and therefore, you need to maintain at least 10k in your account. Was the 11k that you sent the amount of remittance? And you paid the remittance fee separately? I asked to be sure that there’s at least 10k in your account. To be sure, try to ask here your account balance: https://www.bdo.com.ph/contact-us

  209. Hi ms nora, i have kabayan saving acct too but i failed to remit w/in 12months bcoz i forgot. i remitted few days after 12months and only 11k. is my acct active or closed? Pls help me. thanks

  210. Hi Marie, no, it’s not required. But if you’re OFW, you can ask your atm card to be changed to one with a Mastercard logo. On the month it’s converted, make sure you already have 10k in your account to avoid below-maintaining-balance penalties.

  211. Hello. In the case that my Kabayan Savings account is converted into a regular passbook savings account, do I need to change my ATM and passbook into the blue regular savings account?

  212. Hi Mo, sorry your Kabayan is most likely closed. Kabayan does not require a maintaining balance, but it requires at least one foreign remittance every 12 months.

  213. Hi po, just wanna ask if my bdo kabayan savings account is still active? Its been 14 months now since last time I deposited and i emptied it since i leave phil,

  214. Hi Joan, sorry I can’t call BDO in your behalf because BDO, like other banks, has privacy policies. You can call BDO from Saudi tollfree via landline 800-863-0011. If you have sent money from abroad to your Kabayan account within the past 12 months, then your account is most likely active.

  215. Hi maam/sir
    Am joan from Saudi Arabia i just wanna ask if my kabayan savings account is still active…

    This is my Savings account No. 002661136424 please i really needed your reply for emergency purposes

    Thanks and god blessed

  216. Hi sir/madame,

    I wanna ask if my kabayan savings account is still active
    This my savings account number (002661136424)
    My name is Joan Bionog Deacuatan OFW SAUDI ARABIA

    Thank you and highly waited for a reply from the bank…

  217. Hi ronald, I think your account was closed on the 14th month after opening date. BDO does not reactivate closed accounts.

  218. Hi ronald, sad to say, I think your account is already closed. If there’s a BDO remittance partner there, you can try applying for another account.

  219. Can we reactivate a kabayan savings account that was never used for 2 years? Or was it closed already? thanks

  220. Hi Cherryrose, sad to say, I think your BDO Kabayan is closed already. The requirement is to send money to it from abroad at least once every 12 months. And if not, it should have a maintaining balance of at least 10k pesos. Try applying for another one at a BDO remittance partner there, and in case you’re able to get another, try your best to save money using your account.

  221. Hello poh ever since I came here abroad, I’ve never sent money to my BDO Kabayan. It had only 100 pesos. my bdo card has a master Card logo. It’s been one year and 9months I have not remitted to it. Is my bdo card still active or is it already closed? I want to remit to it. plz help as soon as possible. Thank you poh

  222. Hi cy, it’s good that you deposited 11k, as the minimum maintaining balance for a BDO passbook account is 10k. Your Kabayan is no longer Kabayan because you failed to remit to it from abroad at least every 12 months. It’s already a regular passbook, which means it already requires a 10k maintaining balance. Your account is not closed, but it was put on hold because of dormancy. Your account became dormant probably in Nov 2015. A bank account becomes dormant after 24 months of no transaction (deposit or withdrawal). To reactivate your account, you need to go to your branch with your IDs and reactivate your account. But you won’t pay any penalty because you were able to maintain at least 10k in your account.

  223. Hi Nenita, since you did not remit from abroad within 12 months, your Kabayan is likely already converted to regular passbook account, which requires a maintaining balance. It’s better that you do not remit to it because we can’t be sure if it’s already closed. It depends on how much money is in your account. Call BDO toll-free from a landline: (International Access Code from Kuwait) + 800-8-631-8000

  224. GOod day! Just want to ask, i opened an acct (kabayan bdo acct) last august 2013, deposit 11k(dec2013) but was not able to update or deposit until now 2016 may. my concern is it active or close? Is there any penalty? Thank u. God bless!

  225. Hi Querubine, yes, Kabayan accepts peso deposit over the counter. Yes, anyone can pay you by depositing money to your Kabayan account.

  226. Hi im Nenita I want to ask if I still deposit my kabayan bdo savings acount because I open acount here in kuwait last april 2015 failed my second deposit for one year now.
    thank you so much

  227. Hi chel, usually they set Kabayan as for cash deposit only if it was opened abroad. Ask your sister to call BDO using the toll fee no. Or check if your sister can request the issuer to re-issue the check in your name, with the use of a SPA or authorization letter.

  228. Hi! i’m depositing a managers cheque to my sister’s kabayan account but the teller said that it’s only cash deposit account? is it possible to make her account accept a cheque deposit? if yes what is the process? thanks!

  229. Hi Dan, oh okay, that’s good. Yes, your dollar remittance will be deposited/credited in dollars. Check later if BDO charges an inward remittance fee.

  230. Hi Ms. Nora, thanks for your reply. Actually, my account is Kabayan Dollar Savings, so then the deposited dollar will be received as dollar right?

  231. Hi Rosalinda, did someone withdraw what you deposited? If your last account balance was zero or just a few pesos, your account is most likely closed already. If your account balance is 10,000 or more, your account is still active. If your last account balance was between maybe 2,000 to 9,900, your account is still active, but already reduced by around 1,500 in penalties.

  232. Hi Dan, yes, Ria and Xoom are BDO partners. Based on my Xoom experience though, BDO or Xoom uses a low exchange rate when your US dollars are deposited to your peso account. It’s better when the US dollars are for Cash Pickup and then exchanged at Czarina or Sanry’s (pick-up should be at a BDO branch where a good money changer is nearby, for safety considerations).

  233. Hello po, can I send thru Ria or Xoom to my kabayan savings account? Thanks in advance po. God bless!

  234. Hi po my kabayan bdo saving account I did deposit almost 1 year in half. is it still active or not?

  235. Hi Marla, did you send money from abroad to your Kabayan 5 or 6 months ago? If yes, your Kabayan is good, and there’s no penalty, whether the balance is less than or more than 10k. The only requirement for Kabayan is to send money to it from ABROAD once every 12 months. If not, maintain 10k or more in your account so it will not be penalized.

  236. 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.

  237. 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

  238. 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: https://www.bdo.com.ph/contact-us 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.

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

  240. I am an ofw and i have a passbook saving account with bdo, this march 2016 when my wife updated my account we saw a debit memo amounting to 28,000 pesos. There is not much of a detail on the said debit memo ( mark as “DM” on my passbook account)that is why we are confused, can you give possible explanation for this and what should i supposed to do to possible reverse the transaction. Note:the account was dormant for 8 months in 2015 and i still did not talk to the bank for my vacation will be only on May. Thanks

  241. Hi po, may i ask if, kabayan saving account can purchase online?like amazon.com etc.
    how do i activate it to purchase online?
    thanks po,

  242. Hello po pls reply po sa papa kopo yung bbdo kabayan savings pero ako po yung gugumagamit dun po pumpasok yung pdala dahil seaman po sya nung nag check pp ako ngayon lumabas po is unathorized card is invalid what can i do?hindi po ako ang card holder at dun lang po ako umaasa sa padala nya thanks for d answer

  243. Hi cherry, yes, it’s required that you remit to your Kabayan every year, or much better if every 6 months so you can save more. Yes, you can withdraw when you get back here after 2 years. If your atm card has a Mastercard logo, and if you activated your atm card here in the Phils, you can withdraw there in Kuwait. But why withdraw and waste the US$3.50 fee? Remit only what you want to save, keep some for your expenses there in Kuwait so you don’t need to withdraw. Use your atm card only to make balance inquiry (1 US dollar fee).

  244. Hi. Is it okay if every 6 months or once a year I remit to my bdo Kabayan account then after 2 years before I withdraw so I can save. I brought my atm. Can I withdaraw here in kuwait using my kabayan card? tnx po and gud day.

  245. hi, may I ask how to know if my kabayan account has already been converted into normal savings? I have not remitted to it but I have deposited almost 24k already. I’d been here abroad for nearly 2 yrs but i didn’t know that they convert to normal savings account if there’s no remittance. and how can i change it back to kabayan? thanks po.

  246. Hi Milagros, sorry for the delayed response. I couldn’t think of a reason for your DMs. And 7,000 for just 7 months? That’s 1,000 per month! I was about to reply to you but then I had to research first online if there are others who shared the same experience online. I couldn’t find one. Then I was distracted. It’s now the 14th, and I hope you’ve already called BDO 631 8000 and asked about it, and I hope the 7,000 pesos was returned to you. Maybe if you have time, you can share with us what the 7k was all about, and thanks too for commenting. God bless too.

  247. Hi sarah, did you try clicking the Challenge question to log in? Did you open your Kabayan in July 2015? It might still be open as the 12-month time frame is not yet over. But to be sure, call BDO: toll-free from landline 800-863-0011 You can also update your phone no. during your call. Another option is to ask your family to deposit 100 pesos to your account over the counter at BDO. If it’s accepted, then your account is still active.

  248. Good day Maam Nora, I’m here in ksa now since Aug.2016 but I di?n’t remit money yet because im not sure If its still active.. I tried the online banking when Im still in then Phil. and when I tried it now I can no longer open it bcoz the # I logged before was not anymore the my int’l #. can I still change my #? bcoz my atm also is woth me.

  249. Hello Nora! My BDO KABAYAN Savings account lost almost 7,000.00 pesos of accumulated DM since August 2015 and I have just noticed tonight March 11, 2016 just updated when I scrutinized my passbook that there’s always DM though my balance is much more than the maintaining.I’m only looking at my monthly deposit that is posted and not noticed the dm. I’m depositing monthly not from abroad but the 12 mo. remittance from abroad required is not yet reached.Pls. .. for what penalties are the debit memos though my balance is nearing P100,000 now. Tnx & God bless!

  250. Hi Narcisa, yes, as long as you’re maintaining the required balance, or remitting to it at least once every 12 months. You can login using your Challenge question. You can check your balance but not pay bills or transfer money (you need OTP for these).

  251. Hi ms nora, may I ask if my savings are still safe even if my roaming sim registered with my BDO account has been deactivated. pls. Reply thanks.

  252. May I ask if my kabayan account which I have not remitted to for 3 years is still active. i wish to enrol it in online banking then start remitting to it if it’s still active and safe to send money to. Can I still remit to it? please reply asap, thanks

  253. Hi Jing, I’m flattered you thought I could help when BDO and your telco there were not able to solve your problem. Sorry I’m not sure. Might it have something to do with BDO’s cost of sending SMS abroad? If you just want to see your balance, use the Challenge question to login. Use only OTP when it’s needed like funds transfer, bills payment, etc. If it’s practical in your situation, how about getting and using a Philippine-based Smart SIM with international roaming?
    Or maybe when you get back here for a vacation, if you decide so, change your bank. BPI does not use OTPs in its online banking. What it does is that after you log in, BPI emails you to notify you that someone logged in to your online banking account. I hope you can resolve your problem soon.

  254. Hi ms Nora I have a problem with my one time password of my bdo online banking, last 2015 there was no problem. My OTP arrives on time. This January 18 2016 my OTP did not arrive for 2 days so I called bdo callcenter. They asked my new cp number that was January 20 2016 after 2 days my OTP arrived, but it came at more than 5 minutes so I made 3 attempts and it was okay til january 25. From January 26 til this date march 4, 2016 my OTP has not arrived. For several weeks, they investigated but there was no result. We even checked with our telco here in the Netherlands. I was told they receive nothing from bdo. I re-enrolled but still it was not resolved. kindly po ms Nora need your helpful advice on what to do. Thanks po.

  255. Hi emskie, your Kabayan is most likely closed since it’s been almost 2 years. Kabayan needs at least one foreign remittance every 12 months. If you want to remit to an account, you can ask a family member to open his/her own Kabayan account. Bring 2 valid IDs, 2 ID pictures and a receipt of remittance from abroad. If no remittance receipt, they can open a regular BDO atm-only account — maintaining balance is 2k. There’s a BPI Family atm account whose maintaining requirement is only 1k.

  256. hello po jef. May I ask if my savings account is still active since it has been almost 2 years without remittance. I opened the account last oct.21,2013 so the balance was only P100. This year I want to remit to it but i was doubting if it’s still active? my atm us with me. I’m not yet in pinas so my family can’t check about this problem. I wish you would help me with what to do. thanks po.more power

  257. Hi Angie, sorry you lost 5,300. BDO increased the maintaining balance for their passbook account on May 2014. There were many others who wrote here about their big balances that were lost due to the increase. There’s a BSP regulation that banks should notify their customers in writing when they make changes like this, so you can present a written request to BDO to return the money because you were not sent a notice about the increase. Cite the BSP regulation. Ask the bank manager to sign your xerox copy of your letter so you can email it to BSP. I will email you the regulation and the BSP address.

  258. Hi po..Ask ko lng bkit n closed ang kabayan account ko..weekly nmn nhuhulugan un ng fren ko s manila…dto po ako Kuwait at nhulugan ko rin un bwan ng January at February..ngaun lng February 23 ncheck ng anak ko..kc joint account kmi..pano ko maayos un lalo nga edad 17 p anak ko..thanks

  259. Hi Carla, your account is active because you’re able to check your balance through atm. You can have your passbook updated at any BDO branch so you can see the last time it received a foreign remittance. You can also call BDO toll-free 1800-10-631-8000 (PLDT). About online banking: do you mean you can login into your account, but you can’t click the “Account Information” option?

  260. Hello po. I have a kabayan savings but I forgot when was the last time it received money from abroad. But I am able to check my balance via atm. Is my account active as kabayan savings? But I can’t check my balance through online banking at bdo. Why po?

  261. Hello po. I had savings account with bdo and it’s only today I learned it’s already a closed Account because the 5,300 that was posted Last June 2014 was consumed by penalties. They never notified me that the maintaining balance changed from 5000 to 10,000. Is there nothing I can do about it? Thanks po

  262. Hi Mela, yes, you can use that at any store or restaurant that has a Mastercard debit-card swiping machine. But if you have cash there, I suggest that you better use cash, as usually if you use your debit card, the exchange rate is not favorable. Some merchants also impose foreign-transaction fees.
    About online banking, yes, since your mother is updating your account, you don’t need to enroll in online banking while abroad if that’s what you prefer. You can enroll when you get back here in the Phils so you can activate your enrollment through the atm machine. God bless too

  263. Hi Mrs Nora, Good day! Can I use my BDO Kabayan Savings Account ATM here in Saudi on swiping for paying my bills on the restaurant or on shopping even if it’s not enrolled on BDO online banking? It has MasterCard, Cirrus logo. I already tried to check my balance one time but it’s says “transaction cannot be proceed”. My seaman husband remit money monthly on my account since june last year and my mom is regularly updating my passbook in the Philippines. Is it okay if I don’t enroll online? Hoping for your reply. Thanks and God bless.

  264. Hi Laura, how much was your balance? Let’s assume your Kabayan was converted into a regular account after 12 months. If your balance was less than 10,000, your account has been getting a 300-peso deduction since the 14th month. This 300-peso penalty is for falling below the 10k maintaining balance. Let’s assume 2,700 pesos (300 x 9 months) had been deducted from your account, and there’s still a balance, your account is still active. But if the balance has turned zero, your account has already been automatically closed. You can call BDO: +632 631 8000, or you can write your concern here: https://www.bdo.com.ph/contact-us

  265. Hi Joyce, if your last balance was zero or less than 3,300, your account is most likely closed. Make an atm balance inquiry to check your account status. Yes, anyone in another country can send money to your account. But since your account is most likely closed, advise your sender to send money to you for cash pickup.

  266. Hello po,just wanna ask can I still use my BDO kabayan savings account,it’s been 2 years I didn’t send money to it,and can somebody from USA can send money through my kabayan savings account?

  267. Hello po. I’d like to send money again to my BDO kabayan savings account. How can I know if it’s still active. It’s been almost 2 yrs I did not send money to it. My account had a balance.

  268. Hi jane, yes, this is true. Bring a foreign remittance receipt in your name or proof you’re OFW or OFW dependent. If your Kabayan does not receive a foreign remittance within 12 months, you need to maintain 10k (increased from 5k to 10k) in your account so your account will remain active.

  269. hi good day. I’m not so sure about the maintaining balance of 10k so I searched. Is this true?
    BDO Kabayan Savings Account
    Initial deposit: at least 50 pesos
    (pero 100 ang pinapadeposit ng iba, kasi ano raw ba ang 50 pesos ngayon?)
    Maintaining balance requirement: None
    (Requirement: There should be at least one remittance from ABROAD in a year)
    Additional requirement to open: receipt of remittance from abroad, or any proof of being an OFW or OFW dependent)
    BDO ATM withdrawal fee: None
    What happens if there’s no remittance in a year? Mako-convert ang account into a regular passbook account. It will have a maintaining balance requirement of 5,000 pesos. Pag wala pa ring deposit within 2 months, mako-close na ang account.
    Average daily balance to earn interest: At least 5,000 pesos, interest rate of 0.375% per year

  270. Hi Niwla, your Kabayan savings account will be active for many years if you maintain it. You maintain it by sending money to it from abroad at least once every 12 months. If there’s no foreign remittance, you should maintain 10,000 pesos or more in your account.

  271. Hi Jobelle, thanks for the info. Have you tried checking again via the Remit Status inquiry? I hope your remittance is already credited.

  272. Hi Rann, BDO’s maintenance requirement for Kabayan savings is for you to send any amount of money from abroad to your Kabayan at least once every 12 months. Even if the money is eventually withdrawn, as long as there’s foreign remittance every 12 months, your Kabayan won’t be converted into a regular account. But so you don’t have to worry about possible penalties, maintain 10k in your Kabayan and also send to it from abroad at least once every 12 months.

  273. Hi ms nora. I have sent it through al bader exchange here in abu dhabi uae to where i have opened my kabayan savings account. Last december 2015, i have sent 10 thousand pesos and it was there and i can see it through the ” remit status inquiry” .

  274. Hello po.. im rann.. how much do i have to deposit to maintain my kabayan savings? My roomate told me that i need to deposit at least 30k pesos covered for 1 year so that my kabayan savings will not become an ordinary account, is that true? Thanks

  275. Hi Jobelle, your deposit should have been credited already. What remittance company did you use to send your money? The BDO Remit Status Inquiry works only if you used a BDO remittance partner. You can call BDO: (International Access Code of the country where you are)-800-8-6318000. Another option is to enroll your account in BDO online banking. Input a Philippine mobile no. that has international roaming, or a foreign mobile account that accepts texts from the Phils. Your one-time-password (OTP) is sent to your phone every time you login online.

  276. Hi mrs nora! Last january 10,2016 i deposit 100 thousand pesos in my bdo kabayan savings account but when im trying to check my remittance to the ” bdo remittance status inquiry” there was no transaction found. So that means my money was not credited yet to my account?? How long will it takes?
    I have told to my mother in phil to check my remittance to bdo and she said from the bank it was already credited. I dont know..

  277. Hi Eduard, technically there’s no maximum limit. You can save up to 1 million or more. But of course, if you already have 100k or more and you don’t need the money yet, you should transfer it to an auto-renewal 6-month time deposit so it earns more. You can add money to your time deposit every renewal time. Did you have a problem in depositing? There’s a maximum limit for foreign remittances due to money laundering concerns. Most remittance companies have a $3,000 maximum limit for every remittance and $10,000 total maximum limit per month. Both the sender and the receiver have these maximum limits. It’s wire transfers via correspondent banks that allow higher maximum limits.

  278. Good day po, is there a maximum limit for BDO kabayan savings account? If there is, how much is the maximum? Thanks

  279. Hi riz, it’s okay if you have not used your atm card. What’s important is that you remit money to your Kabayan account from abroad at least once within 12 months. If you’re not able to send at least once every 12 months, you should maintain 10,000 pesos in your account.
    Have you changed your atm PIN? Change it when you take your vacation. You should activate your online banking so you can use it. Activate it by calling BDO or via the atm when you come home for vacation. When enrolling your account, enroll a mobile phone no. that has international roaming.

  280. hi po. i opened kabayan peso savings last june 2015. never used my atm. is that okay? one more thing, I can’t access my online account which was opened when i opened the account. thank you po.

  281. What’s the routing number of bdo? it’s required according to my husband. he’s in the us. Is there a fee if he sends money through my kabayan peso savings? he sends through moneygram po

  282. Is saving money through kabayan peso savings safe? I’ve read a lot of negative comments like getting reduced or deducted. Is there a fee for depositing? Is it ok to withdraw at the bank even if it’s only 10k. I want to update always my passbook. tnx po

  283. Can I reapply for online kabayan saving? I tried to enroll but I was told I have an existing account so my application was rejected. I forgot my username and password. please help me.

  284. Hi Jeffrey, BDO gives an allowance of 12 months for Kabayan, so I hope your account is still active when you arrive. Before making a deposit, make a balance inquiry via atm. If it does not say “account closed” or “no existing account” and it shows that your initial deposit is still there, it means your account is still active. Then you can deposit.
    Another option is to present your passbook for updating while holding a filled-up deposit slip, so when the teller says your account is active, you can give the teller the deposit slip and your money for deposit.

  285. Hi Mario, you need to call BDO and ask about your account and your remittance. How much was your previous balance? If you had 10k or more in your account before you stopped remitting, your account is currently put on hold for dormancy. Accounts become dormant if without deposit or withdrawal within 12 months.
    But if your previous balance was zero or less than 10k, your balance most likely has been consumed by below-maintaining-balance and dormancy penalties and your account has been closed.
    Most likely the 10k you just sent was put on hold by BDO. Call BDO: International Access Code-800-8-6318000 (toll-free) or +632-631-8000.
    You can go back to the remittance company where you sent your money and request for the return of your money (with return fees), or you can opt to send the money to your family for cash pickup over the counter at BDO.

  286. Good day. almost 3 years I haven’t remitted to my kabayan savings. this year I put 10k. Won’t BDO deduct from it?

  287. Hi I opened a kabayan account last February 5, 2015, since from that time I never deposited or had any transaction. Is it still active? im planning to deposit some of my cash wjen I get back end of january.

  288. Hi Shine, you were able to check your balance, so your account is still active. But make sure somebody sends you money from abroad before March so your account will still be a no-maintaining-balance account. If not, maintain 10k in your account, so that you will not be charged 300 pesos every month. If you’re able to maintain your account, there’s no need to change your address, but if you have time, go to your branch with your ID and change your address in case BDO sends you a notice.

  289. Hello po. is my kabayan peso savings account still active? last remittance to me was april 2015. I checked my balance just today and it was ok. does it mean po my account is still active? then my address in the passbook, is it ok that I no longer change it although I have moved?

  290. Hi Mayden, you should be able to get back your money. You need to call BDO: Be ready with your account no. (no. near your name in your passbook), time and date of attempted withdrawal, amount you tried to withdraw, etc. Have your receipt on hand. toll-free: International Access Code from Kuwait-800-8-6318000 or non-toll-free: +632-631-8000

  291. Hello po! I am Mayden Calapano DH and I’m here in kuwait. I tried to withdraw po using my Bdo kabayan ATM yesterday but no money got out of the machine. But when I checked my account balance, it was deducted with an amount equal to the one I wanted to withdraw. I got a receipt from the atm stating the status of the transaction “Transaction Reversed”. What does that mean? I asked the bank personnel; I was told to contact the bank that issued the atm. Can I recover my money? This is my card #519463x1x759xxxx. Hope you can help me. Thanks po.

  292. Hi Anne, Yes, find an atm with Mastercard, Maestro or Cirrus logo. Charge for balance inquiry is 1 US dollar

  293. Good day po..i had a kabayan debit savings account with a MasterCard logo..can I do check my balance here in Singapore?thanks in advance

  294. hi mam!i am a kabayan account holder. i had remittances from abroad in 2013. pero nung 2014, di ako nnkapg remit from abroad,but my family member had deposits from phil. pero di ko sure if nakaabot ng 10k ung savings ko. and then 2015, nag remit ako from abroad. kabayan account prin ba ung account ko or converted na sya sa regular account since wala akong remittance from abroad ng 2014? thanks!

  295. Hi! I would just like to ask what if my bdo kabayan account did not recieve any remittance for 1 year but after that said 1yr, let us say 1yr and 1month only, would it be converted back to a remittance account with no maintaining balance again? Thanks.

  296. Hi Nora,

    Just want to ask if my Kabayan savings was already converted to a regular savings since my last remittance was on October 2014 then again i remitted last November 2015.

    Thanks!

  297. Hi ariel, when did you open your account? If 1 to 6 months have passed, I think your Kabayan is active, and you can send to your Kabayan. Send through a remittance company that has partnered with BDO. If more than 6 months up to 12 months, it’s most likely your Kabayan is still active, but I’m not sure. But BDO’s policy says you should send money from abroad for at least once in 12 months so that your account remains active. To be sure, before you send money, write your inquiry here: ttps://www.bdo.com.ph/contact-us

  298. hi I’m ariel. I’m just asking about the my saving account. before I travel to abroad I open the saving account. but till now didn’t any send a money in my account . till now! my account has being active or not? because I want to send a money…

  299. Hi Catherine, are you withdrawing from a machine that has the same logo with your card’s Mastercard or Visa logo? Other reasons could be: the BDO-Mastercard or Visa connection is off; the maximum atm withdrawal limit is 10,000 pesos; the machine has a glitch so it cannot read your card, etc. When you take your vacation, you can go to your branch and apply for a replacement atm card.

  300. hi po! I would like to ask if I wasn’t able to deposit for 8 months to my bdo kabayan savings, does it mean my account is already closed? how can i check po if my account is still valid. Thank you. 🙂

  301. hi Nora. I would like to ask as I have my BDO kabayan but whenever I withdraw, sometimes it says invalid fund/withdrawal. What I’m withdrawing is correct and I still have balance. It chooses what machine to use and sometimes the response is cannot be read. what is the possible problem? Thankyou

  302. Hi Ronna, yes, you do not need to update your passbook everytime. You can immediately make a balance inquiry and withdraw using your atm card. You can update your passbook maybe every 4 or 6 months.

  303. Hi po. My husband is abroad and he sends to my kabayan accnt. Should I verify his remittance through my passbook everytime he sends money? Or can I just withdraw from the atm? Thanks po

  304. hi po..you said that the kabayan savings is converted to regular account after a year of no remittances from abroad, so there is a need for a 10k maintaining balance, so once it’s converted to regular account, even if i started to remit again, is it still a regular account wherein there is still a need for a 10k maintaining balance? or will it turn to be a 0 maintaining-balance account again? thank you! 🙂

  305. 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.

  306. 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

  307. 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.

  308. 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: https://www.bdo.com.ph/contact-us

  309. 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?

  310. 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.

  311. 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. 🙂

  312. 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: https://www.bdo.com.ph/contact-us

  313. 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

  314. 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

  315. 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.

  316. 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?

  317. 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.

  318. 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.

  319. 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.

  320. 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 ref.no. under my name? thanks po pls reply

  321. 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.

  322. 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.

  323. 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

  324. 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.

  325. 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?

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

  327. 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.

  328. 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.

  329. Hi maria, pay asap, should pay within september, for July to Sep, or July to October, so you can avail in October. Pay at Philhealth so you can ask for your new MDR.

  330. Hi mam nora, just want to query regarding my Kabayan Savings, the office has already remitted my salary in my ATM but every time i inquire balance the machine said i have an invalid account # or wrong account #. May i know whats the problem?

  331. Gud eve poh! is my kabayan savings account still active? I opened it dec 2014 along Padre Faura with initial deposit of 100 pesos. Now I’m here in kuwait. 4 months I have not remitted. I remitted only in june, august and sept to my kabayan savings acc. How can I update my kabayan savings acc. tnx God Bless

  332. Hi El Huele, if your last remittance to your Kabayan account from abroad was June, then your Kabayan is still active. The rule is foreign remittance at least once every 12 months. Your last foreign remittance was just about 3 months ago, so your Kabayan should be active. I wish you enrolled your Kabayan online here in the Phils when you took your vacation so you can check it online. To be sure, you can make your inquiry here: https://www.bdo.com.ph/contact-us

  333. Good afternoon po. My remittance to my kabayan savings account was regular before, but this June po this year I took my vacation and have withdrawn my savings, leaving only about a hundred. It’s almost 3 months that I wasn’t able to remit to it. Now I like to remit to it again as I have returned abroad. Is it still active? I think it’s not yet a closed account, right? I worry that I remit and it’s already closed account. Thanks a lot!

  334. Hi Maria, yes, you can use it only at atms and stores/shops/merchants displaying a MasterCard logo. You can use it also online. But just like most cards, there are times when the BDO-MasterCard link is off, so prepare an alternative for times like that.

  335. Hi Nora,its me again Maria,so i can only use my BDO card on (Mastercard-link atms),how about purchasing goods overseas?am i be able to use it?is it like a credit card or debit card that i might use anytime?thanks!

  336. Hi angelyn, yes, it’s true that if your husband sends money to your Kabayan from abroad, you do not have to maintain 10k. But if there’s no longer foreign remittance to Kabayan for at least once a year, you need to maintain 10k in your account. If you’re not able to maintain, your account will be deducted with 300 pesos every month. If you have saved a lot, for example, 50k or 100k, or more, you can withdraw it and deposit it in time deposit, so it will earn more. The Kabayan savings rate, like many other savings rate, is low, at 0.25% a year.

  337. hi If my husband comes home after 2 years, can I convert my kabayan to regular? How much is the interest every year? so if my savings have increased to a big amount, it’s not good to save with Kabayan? because if it’s less than 10,000, it will disappear? please explain po ms nora tnx po

  338. Good eve po maam nora ask ko pano po pag nawala ang rs1 ay kailangan po un sa pag file ng mat2 ano po ang pede ko gawin salamat

  339. Hi Maria, if your card is already activated (default PIN changed), yes, you can use it overseas (Mastercard-linked atms). But have other cash options in case the Mastercard-BDO link does not work at the time you need it

  340. Hi ma’am nora
    Ask ko lng poh, how to know the new password sa online banking??
    An sabi po dun tru email pero wala po akong narecieve.

    please help me poh..thankYou

  341. Gud pm po. I opened a bdo kabayan july 10 2015. It was only the passbook that was given to me, and I deposited money then. the next day july 11 I flew to dubai. I remitted to it when I got my salary. How can I check my money in the bank? I don’t have a user i.d and password. I was told that I can get my atm card when I take my vacation. I opened at sm bdo dasmarinas. Thanks

  342. Hi Juvilyn, did you change your atm pin when you were in the Philippines? If yes, you can register in BDO online banking while there. Just choose “Outside the Philippines”. If not, make your inquiry here: https://www.bdo.com.ph/contact-us or call BDO toll-free (International Access Code) +800-8-6318000. There might be a charge if you use your mobile phone.

  343. Hi Madz, based on BDO rules, your account should be active, since you remitted to your account long before the 12-month period is over. To be sure, make your inquiry here: https://www.bdo.com.ph/contact-us or call BDO toll-free: (International Access Code) +800-8-6318000 There’s a charge if you use a mobile phone no.

  344. Hi Jay, if your account has not received a foreign remittance for the past 12 months, and it has little balance,or does not have a balance, then your account is already closed. Try also making a balance inquiry at a BDO atm — if the response is Inactive or Invalid or No Existing Account, your account is already closed. You can open a new account, if you like. Try the atm-only account — it’s maintaining balance requirement is 2,000 pesos.

  345. Hi po ate Nora. What can I do to make active again my kabayan savings account? It’s already inactive when I checked online. Is it already closed? Thanks po.

  346. Hi,i have a BDO Kabayan Savings Account (peso)and i was wondering,if i could use it overseas.It has a MasterCard logo and cirrus logo at the back..thanks a lot!

  347. Hello. I opened my BDO kabayan savings aug 2014. I started remitting to it march 2015. I don’t know the rules. I brought my atm and passbook with me. I’m not sure if the money was deposited to my account. Plzz reply po. Thank you.

  348. Helo poh I can’t inquire my atm kabayan account here in saudi. but my friend can. I send monthly to my account. How can I know if the money I’m sending has been going to my account?thanks.

  349. Hi…
    I opened my bdo kabayan savings on Aug.11 2014 initial balance 100..but I started to remitted my money is March 2015.I did not know if my money enter to the account because my ATM & passbook here w/ me

  350. Hi Resty, based on comments, usually the next day. But it really depends on the remittance company used by your sender. Some can be claimed within minutes. If wire transfer, there’s no processing on Sundays and Saturdays. Your English is good; you can improve it.

  351. Hi po i wonder how come my bdo account online is inactive pa rin i already activated it kanina through atm machine ano po ba ang dapat kong gawin? Inenrol ko po kc sya through online banking for my boyfriend he want to check din po kc yung remittances nia from saudi. I enter my username and password ibut it stated their that my account is inactive. Please need your help thanks.

  352. hi Nora.. can i ask how fast can i receive the remittance of my family thru kabayan savings? if my family deposited my kabayan savings now from abroad thru remittance center, when can i withdraw it?should ill w8 for an hour?days? or maybe a week? how long?.. does sunday and saturday counted for the waiting time? sorry for my bad english..

  353. Hi Shiena, if your sender will use Western Union, there are 2 ways your sender can send you money:
    1. Your sender can send you money through Western Union only. Your sender will email you a 10-digit MTCN code, and you will need to go to a Western Union outlet with your ID and the 10-digit code and receive your money.
    2. Or your sender can use Western Union to send money to your BDO Kabayan account. Usually the next day or within 2 days to 3 days, the money will be deposited in your Kabayan account. You can make a balance inquiry at a BDO atm to check if the money is already in your account. If already in your account, you can choose to withdraw all or some amount or choose to leave all the money in your account for future withdrawal.
    Kabayan account is a passbook with atm, so you can choose to withdraw through the atm machine, or over the counter using your passbook. Whatever you like. But it’s better that you withdraw through the atm machine if you withdraw smaller amounts.
    You can also go over the counter to request them to update your passbook, so the remittances will be posted in your passbook.
    Yes, you can leave your money in your account so you can save, and yes, for emergency, you can withdraw through the atm machine.

  354. I opened a kabayan savings account this august. I don’t get very well their explanations. If they send thru western union, shall I receive it over the counter or can I withdraw it through the atm machine? And example what if emergency I need the money saved in my kabayan saving, can I withdraw using my atm? Please reply Ms. Nora

  355. Hi mark, yes, I’ve read comments online that BDO considers Paypal inward transfers as foreign remittance for Kabayan maintenance purposes.

  356. Hi Jackie, before you came home in may 2015, when did you last send to your Kabayan? I ask because your Kabayan does not need a maintaining balance as long as you send money from abroad to your account at least once in 12 months. If you complied to this rule, then your account is still active even if your balance is only 300 pesos for several months. You can make your inquiry here: https://www.bdo.com.ph/contact-us

  357. hi I went to bdo in pinas on may 2015 to withraw my kabayan savings account balance but I left 300 in the account and now I’m here in kuwait. I’ve sent to my account 2 times. Is my account active even if my balance on may 2015 was 300? but i sent again

  358. Hi Ann, if his Kabayan account does not have a balance of 10k pesos, then his account is already closed. He can check it by making a balance inquiry at a BDO atm machine. Most likely, the response will be “account does not exist” or “account closed” or “account invalid”

  359. Hi po is the kabayan savings account of my brother still valid? It’s been 2 years it was not used. thanks

  360. Hi sheenalyn, anyone can deposit to your account, as long as they know your bank details, namely your name, your bank name, and bank account no. You and your boyfriend can deposit to your account, either over the counter at BDO or through remittance companies. How to get money sent to your account? If your boyfriend sends money to your account, you can withdraw it using your atm card at an atm machine.

  361. hi i open a bdo kabayan account last day and i am confused how to deal with it my boyfriend want to save money in my account is it possible that he will be the one to deposit in my account?or i am the one who can deposit?and how can i get the money that he will send to me?

  362. Thank you Nora! I forgot to mention that my sister is the one working abroad. I’ll just bring our birth certificates to show that we have the same parents, to prove that I’m her brother. do you think that’s ok?

  363. Hi George, the registration card usually shows your school, name, course, subjects and semester dates — it can be any document that shows you are currently enrolled. Some bank officers want proof that your school ID is active or valid. I think your relative’s ID won’t show your connection to your relative, except if this ID is an overseas ID, and the one abroad is your parent (as shown in your birth certificate). What the bank wants to see is proof that you will receive remittance from abroad, as the Kabayan account was designed for OFWs or overseas Pinoys and their beneficiaries.

  364. can I just bring a xerox copy of my relative’s employment id in lieu of the receipts? and what is a registration card?

  365. Hi jay, you can send money in foreign currency or peso to your Kabayan account. Yes, you can send money to your parents, and they’ll be the ones to deposit to your Kabayan account. There’ll be no penalty if you send money from abroad to your Kabayan account at least once in 12 months. If you don’t like to send money from abroad to your account, maintain 10k or more in your account before your account reaches its 12th month and onwards.

  366. Hi george, yes, try opening. BDO’s Power Teens account (2k maintaining-balance requirement) is for teens 13 to 19 years old. Minors can open a bank account as long as they have IDs. For Kabayan account, bring your school ID with registration card, NSO birth certificate, or barangay certificate, 2 ID pictures, 2 latest receipts of foreign remittance addressed to you and 100 pesos. Inform the bank officer politely but confidently that you need to open a Kabayan account so your parent/relative can send you money to your account from abroad.

  367. Is it okay if the beneficiary is the one that will open an account? and what if the beneficiary is still underage here in the philippines? I’m 16 btw

  368. ah ok so you mean to say that from abroad im the one who deposit? Should it be foreign currencies? Can I just send to my parents, then they are the ones who can make a transaction? Is that ok? Are there no penalties? Yes im looking forward for an investment in the future. So i need to secure my money first before anything else.

  369. Hi jay, 1. you do not need to send a remittance per month. You can miss some months. But you must make at least one foreign remittance per 12 months to maintain your Kabayan account.
    2. If you fail to deposit at least once per 12 months, you will lose your Kabayan free-maintaining-balance feature, and you will then need to maintain at least 10k in the account so that you won’t get the below-maintaining-balance penalty of 300 pesos per month
    3. Yes, you can make it zero, as long as you are sending at least once every 12 months to your Kabayan account from ABROAD. But to signify continued interest, leave a few pesos or 100 pesos.
    4. The interest rate for savings account is very low, only 0.25% per year. Savings accounts are good for saving, not really for investment. You save in your Kabayan and then when you have saved 50k or 100k, you put it in time deposit.
    5. The interest rate is per annum. Interest is credited after every quarter now, I think. Previously, it was credited every month.

  370. hi ms Nora, hopefully you can answer my questions.
    1. is kabayan savings account needed a stable money remittance deposit per month?
    2. if i fail to deposit once, it will be cost a charges?
    3. the said that there is no maintaining balance, can i withdraw all the money and make it zero?
    4. how many percent ROI can we expected for benefit?
    5. is the percentage return per month or per annum?
    thanks pasensiya na sa mga tanong..

  371. Hi Jacq, I think you can no longer convert it back to Kabayan because it has already been converted to a regular account. If you like this account, you need to maintain 10,000 pesos or more in your account to avoid penalties. 300 pesos will be deducted at the end of the 2nd consecutive month that your account’s monthly average daily balance falls below 10k pesos, and also on the 3rd, 4th month, and so on, until you restore your account to the 10k level.
    If you prefer Kabayan, withdraw all your money and allow this account to close. Then ask your family to open a Kabayan account (receipt of foreign remittance addressed to the person opening the account is needed)

  372. Hello! I opened my Kabayan Savings Account Dec 2014. I remitted the money to my acct for the first 2 months but to lessen the charge, I decided to ask my family to deposit the money to BDO directly once in a while. My family deposited twice. The fifth time I requested to update my acct. I was told that my BDO kabayan savings account turned into a regular account. Am I still able to change it back to Kabayan savings account? What should I do?

    Hoping for your reply. Tq

  373. Hi eric, if your remittance was sent to your Kabayan account directly from abroad, even if not through a BDO partner, yes, that will count for the one-remittance-per-year maintaining requirement.

  374. Hi gud pm. Tanong ko lang kasi naginquire ako using ebanking pero ang nakalagat sa balance ko n/a.close nb ang account kapag ganun? Thank you.

  375. hi. what if I sent through a remittance center but not a partner of bdo (based on the list) but sent from abroad, is that counted as one remittance per year? ty po

  376. 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

  377. 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.

  378. @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 callcenter@bdo.com.ph or call their hotline (International Access Code) + 800-8-631-8000 or +632 631-8000.

  379. 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..

  380. 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?

  381. 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 https://www.bdo.com.ph/contact-us about how you can make your account accept a deposit check.

  382. 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.

  383. 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.

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

  385. 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.

  386. 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

  387. Good day may I ask if my kabayan saving account is still active. I haven’t sent money to it until now. I opened last may 9 2014 and there’s a deposit of 100. I want to remit to it. Is it still active? Thanks po

  388. 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.

  389. Hi janine, yes, you enroll your Kabayan account at bdo.com.ph. 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.

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

  391. 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: https://www.bdo.com.ph/contact-us

  392. 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.

  393. 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

  394. 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

  395. 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.

  396. 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.

  397. 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

  398. 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.

  399. 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

  400. 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?

  401. 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.

  402. 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.

  403. 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

  404. 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.

  405. 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.

  406. 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!

  407. 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 ,,

  408. 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: https://www.bdo.com.ph/contact-us

  409. nag open po ako ng acct.sa 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

  410. 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

  411. 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 nahuhulugan..open pa po kaya yun?thanks po..

  412. 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: https://www.bdo.com.ph/contact-us.

  413. 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

  414. Hi Amber, yes, you can get your passbook immediately. If generic ATM, you can get it immediately too. If with name or MasterCard, you can get it after maybe a week. You change your atm pin and use it after 24 hours. Bring receipts of foreign remittance when applying for kabayan

  415. Hello po Ms. Nora! If I apply for a kabayan savings tomorrow, will it be activated immediately and can I get my card? Thanks po!

  416. Hi ms nora . I havent use my kabayan savings for 1 year . And now my friend sent me money on my account and still i cant get the money ? How ???

  417. Hello po, i just want to ask if is there will be a problem if the initial deposit decreases? I have concern about my husband’s kabayan card.i balanced checked his card (as he instructed) but in metrobank’s atm and it charged P4. This is his 1st kabayan card and im worried coz he is already in the other country (he is a sefarer).will it be affects his remittance?tia!

  418. Hi I just want to know if my bdo kabayan savings account still active I open my account last Dec 2013 and I deposit last November 2014.

  419. Hi Charlene, yes, your sender can send money to your account even if they don’t have a bank account in the US, or even if they don’t have a Kabayan account opened here or opened with a BDO partner in the US. Your sender can send to your Kabayan through Xoom, Moneygram or other BDO remittance partners in the US. What your sender cannot do is bank wire transfer, as most banks require that you have an account with them before you can make a wire transfer.

  420. Hi po. what if my sender does not have Bdo kabayan? and I’m only the one that has an account? How can they send money through my account if they don’t have an account in the US? Is there any alternative way for that? Thanks.

  421. Hi irene, I’m sad that your account is most likely closed and your 2k plus used up to pay for below-maintaining-balance penalties. You can try making a balance inquiry at a BDO atm.

  422. hello i just want to ask if my account still activated because i havent deposit since 2013 my balance is more than 2,000 plus

  423. Hi Jhing, most likely, your Kabayan is already closed. BDO usually does not reactivate. You can open a new account in another BDO branch, although they can still see that you have a closed account.

  424. Hello po! I have bdo kabayan savings account and I have not changed PIN. It’s been 2 yrs that I did not deposit. Since then, 100php is the balance. Is it still active? If already deactivated, how can I reactivate it? thanks a lot

  425. Hi ARIES, have you changed your PIN? If yes, enroll your Kabayan in BDO online banking and then validate it at a BDO atm machine, then try using it, so that you can be sure it’s already working before you fly to UAE. While in UAE, you can check your balance online anytime. I suggest you ask your most trusted relative to open a cash card account (10k limit or 25k limit), and then enroll this cash card account into your Kabayan account online. You validate this again through a BDO atm machine. If you accomplish these, you can check your balance while in UAE online (and you don’t have to leave your Kabayan passbook and atm to your relatives), and you can transfer money from your Kabayan to your relative’s cash card if they need money. Send money to your Kabayan — pay remittance fee; transfer online from Kabayan to enrolled cash card — it’s free. If your atm card is without Mastercard logo, you can request for replacement (pay replacement fee). I hope you can comment again here.

  426. Hi Fabia, go to your branch with your atm card and IDs and request for atm replacement with a Mastercard logo. You might be charged for the new card.

  427. Good day I just want to ask some few question this is my first time to have a BDO kabayan. Can I use my kabayan ATM debit card to ATM machine for checking my balance and for money withdrawal? sorry for giving a weird question. And if its OK if I left my passbook and ATM debit card here in phils to my relatives, and then i will deposit abroad UAE, without my ATM and passbook? So my relatives can updated my balance here in phils if its really send the money to my account? Thank you

  428. Hi jelly, it will most likely close at the end of the 14th month. After the 12th month without foreign remittance, the account is automatically converted into a regular passbook account, which requires a 10k-maintaining balance.

  429. What if my bdo kabayan account never receive a remittance within a year, will it automatically closed?

  430. Hi JANE, if you have maintained your Kabayan account, yes, you can ask and pay for a replacement card

  431. hi may i ask ,, my wallet was stolen last aug. 2014, including my bdo kabayan account,, i immediately reported it to bdo then they put it in hot card list,, may i still get another kabayan atm card? with just payaing 150 pesos just like before?

  432. Hi Geraldine, it seems that BDO is doing some maintenance on their website. Try again after an hour. They now have a warning post on a fake BDO website and a genuine BDO website.

  433. gud am po Why can’t I remit/deposit to my account when I’ve been depositing to it monthly. even just checking balance cannot be done. sorry is always the response. from dubai and saudi were the monthly remittances, so it can’t be the reason why the account cannot be accessed.

  434. Hi Sheryl, yes, your sister can send you money and you deposit it to her Kabayan, but she also needs to send money from abroad directly to her Kabayan at least once in 12 months so that her account remains Kabayan and remains a zero-maintaining-balance account. Tell me Where your sister is working so I can check if there are BDO remittance partners in her place of work.

  435. Hi tess, compare the remittance fees for Fast Track and Bank to Bank. And if Bank to bank is cheaper, and if your receiver can wait 1 or 2 days, then choose Bank to Bank. If you’re sending to BDO, use BDO remittance partners.

  436. Hello. Want to ask, what’s the difference between “FAST TRACK” and “Bank to Bank” remittance to BDO Kabayan? Which option is the better one? From Abu Dhabi. Thanks po.

  437. Good day. What happens if my sister is not able to remit to her kabayan savings because there’s no bdo in the area where she’s working? Before she left, she opened a kabayan saving, and she activated it. What she plans is she’ll send money through pera padala like cebuana then I’ll deposit the money to her kabayan savings. Is that valid? Thanks

  438. Hi leslie, yes, if you cannot maintain the 10,000-peso maintaining balance of a Kabayan passbook account that does not receive a foreign remittance, close this account, and open an atm savings account. Or first open an atm savings account and then close your Kabayan. The maintaining balance requirement for a BDO atm savings account is 2,000 pesos.

  439. Gud day! can i ask,what if my kabayan savings acct. will never receiving remittances from abroad anymore? should i change my bdo savings acct. to local savings acct.?

  440. Hi Hidelisa, if your account is already closed, then your money will not get posted to your account. Your money will be put on hold. You can go to your remittance company and amend your remittance details. You can change it to CASH PICKUP over the counter at BDO by your family, or you can ask the money to be returned to you there. There’ll be an amendment fee. About the bank not informing depositors about closure: I think it’s an additional cost to them. Sad to say, banks are more on profits and not so much on genuine customer service.

  441. What if I’m not aware that my account is already closed and I remitted money to the account? Will the money get posted to the account? Another question, why does the bank close accounts without informing us through email. The remittance company told me the money was credited into the account. Please help.

  442. Hi almost 1 year that I did not remit to my kabayan savings account. last time I remitted from uae was april 2014. Is it still active? Planning to remit to it this month. Thanks po

  443. Hi Jordan, BDO usually do not reactivate closed accounts. Besides, if in case reactivation is allowed, you will need to pay below-maintenance fees, so it would be better to open a new account.

  444. Hi Vinci, BDO requires a collateral for its Asenso Kabayan loan. The collateral is your deposit. You can borrow up to 90% of your deposit. BDO will hold your deposit (cannot be withdrawn) until you’re able to pay your loan. Since you have no IDs yet, your husband can open an account when he comes home since he has IDs, deposit a big amount, and then apply for a loan. More info here at BDO website: https://www.bdo.com.ph/personal/loans/personal-loan

  445. Gud pm. What can I do, my bag was stolen, and all my papers including my bdo kabayan passbook and my ids.It’s difficult transacting with BDO as I have no IDs. I got my last remittance before I lost my IDs last july. I just asked my husband to send money to me directly. My question is that my husband wants to apply for a loan through bdo asenso kabayan personal loan. Should I open a new account with BDO? I was told we need to have an account with BDO to have our loan approved. My husband will come home this march and will return april to apply for a loan at bdo for a franchise we’re planning to start. can we apply for a loan? Thanks a lot

  446. Hi Germane, is your account a Kabayan account? If yes, it can receive remittance. But if your husband did not activate his atm card here in the Philippines and did not change atm PIN, you won’t be able to withdraw. Have you tried making a balance inquiry at a BDO atm? Check first your atm card before asking your spouse to remit to it.

  447. Hi! I have ATM that has not received a deposit in more than 1 month. No remittance. It was opened by my spouse abroad. balance is less than 100php. Will the account close? Can it still receive remittance?

  448. Hello.i have a bdo kabayan savings account i am working here dubai i made two remittances to my acct. Then when i went to pinas for a vacation i tried to withdraw but then it was in a wrong pincode i wont able to make it right.how i am going to change my pincode here abroad? And i how to know if my account is still active? Thanks.

  449. Hi angel, I think your account is already closed. Yes, you can open another BDO Kabayan there at a BDO remittance partner company.

  450. Hello. Good day. I had my kabayan account and I opened it here in UAE. The last time I remitted to it was december 2013. After that I never remitted and from that time, i think the balance was 700php. Is my account already closed? Or still active? Can’t check here. If already closed, can I open another kabayan account with bdo?

  451. Hi! If my Kabayan atm doesn’t have a mastercard or visa logo, can I still use it and withdraw money here in Riyadh? Thanks! 🙂

  452. Hi lina, what I know is that the validation process for online banking enrollment is through a BDO atm machine in the Philippines, or if abroad, by sending the acknowledgment page by postal mail to BDO. There’s an instruction while or after registering online.

  453. My sister open kabayan account in doha. It is SOP that someone will verify from BDO phils. Then will call again for confirmation. She registered bdoonline banking.tnx

  454. 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.

  455. 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

  456. 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?

  457. 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.

  458. 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

  459. 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

  460. 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

  461. 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?

  462. 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.

  463. 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).

  464. 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?

  465. Hi jose, I think there’s a deadline for activating BDO atm cards to protect atm cardholders, so you might need to go to your branch when you return home after 2 years. But you can try activating before going to your branch.

  466. Thanks for the info mam..how about my atm?can i activate and use it when i return home after the next two years?

  467. Hi A.#, I think no. You can open a new account, specify a passbook account (this has a maintaining balance requirement of 10k).

  468. Hi mam gud day,i have applied for kabayan savings at pinas last 3 months ago but i was not able activate it by changing my atm pin code there. Now im here in saudi and i want to deposit. Is there any way to activate my accnt and change my atm pin code here mam?thanks

  469. Thanks for ur reply maam. I only have less than 10PhP in my account. Theres nothing there to deduct 300 for penalty. Are there any ways to revert it back to zero maintaining?

  470. Hello, good day! May I ask if my account is still active? I opened my ofw kabayan atm and bankbook at edsa poea branch..now i deposit 1 time 8 months ago. I can not check if my remittance was credited because I was not able to activate my atm in pinas. I need to know so I can continue remitting to my ofw kbayan savings account. Thank you

  471. Hi Jennifer, yes you can deposit to his account. But if he does not deposit from abroad to his account for at least once every 12 months, his account will be converted into a regular passbook account, and you will need to maintain 10k pesos or more in his account to avoid below-maintaining-balance penalty of 300 pesos per month.

  472. Hi josephus, the 12-month period for making at least 1 foreign remittance every 12 months has been the rule ever since. What changed since May 2014 was the maintaining balance for regular passbook accounts — it increased from 5k to 10k. How much is your balance? You said you haven’t remitted to it 18 months ago, it’s most likely that your Kabayan was changed to a regular passbook account 5 months ago, and if your balance is less than 10k, then it’s possible that your account has been deducted with 300 every month since June or July. But if your balance is 10k or more, then your balance is intact. If there’s no deposit or withdrawal within 2 years, it will become dormant, and you will need to reactivate it in person. The 300 penalty will continue even if dormant if the balance is less than 10k. Call BDO or inquire here: https://www.bdo.com.ph/contact-us

  473. Hi Angelito, register your Kabayan account to BDO online banking. Go to bdo.com.ph and click “ebanking”, “Go online”, “Enroll now”. If you’re abroad, check “I don’t have access to a BDO Atm machine” or something similar, and you’ll need to send through postal mail a printout of the acknowledgment page of your enrollment to activate your enrollment. If in the Phils, you’ll activate your enrollment at a BDO atm machine.

  474. Hello. i havent used my bdo kabayan account for more than a year and half. But u stated above that it was just started last may of 2014. The 12 mnths no remittance period will start on that date or it will start after my last remittance 18 months ago? I havent received any mails from bdo that it will converted to minimum maintaining balance of 10k. Pls advise thank you

  475. hello, Can I deposit to my husband’s kabayan account instead of him remitting from abroad? If it’s him, then he would pay double since I also have my Kabayan where he has been remitting to, and not to his own account. Can his account be closed is the deposit is from here?

  476. Hello, How can I check through online balance inquiry if the money I sent to my account is already credited. I always request for a balance statement and many times this takes 1 week so I like to check online. thanks.

  477. Hello, I opened a kabayan savings before I got back abroad. I did not send any remittance until now; it’s been 5 months. Is my account still active? thanks and God bless

  478. Hi Johnrie, if you’re sure your balance in your Kabayan is more than 10k pesos, there’s no problem. I should say, only a little problem — meaning your account is already dormant, and it’s on hold because it had no deposit or withdrawal within 2 years. If there’s more than 10k pesos in your account, your money will be there when you get home. You just need to appear at your branch with your 2 valid IDs. To be sure, ask BDO about the status of your account. Call BDO or inquire here: https://www.bdo.com.ph/contact-us

  479. Ms. NORA. It’s been 2 YEARS that I’ve not remitted to my savings account. And I have not activated it because I’m here in Saudi Arabia. Will there be no problem when I get home in Pinas? Will my savings of 15K still there? Thanks

  480. HELLO Is it okay that I haven’t remitted to my KABAYAN SAVINGS in 2 years? My balance is more than 12 THOUSAND PeSOS. Will that amount not disappear? I’m here in SAUDI and I have not activated it in PINAS. Can I get my money in PINAS OR will there be no PROBLEM? THANK YOU AND GOD BLESS

  481. Good day, My kabayan account has been debited 300 for the month of September and October of this year. I think my account was converted to the regular peso savings. I just recently sent a remittance to my account in order to maintain the 10k maintaining. My question is, can my account go back to Kabayan savings account without a maintaining balance? I felt displeasured because the bank where I opened that account didn’t explained to me the pro’s and con’s.

  482. Hi Doland, I think your Kabayan is still a Kabayan account if you’re sure you remitted to it before 12 months passed. Did you change your ATM PIN when you were here? And does your ATM card have a Mastercard logo? If yes, then you can make a balance inquiry (1 US dollar fee) at an atm machine there with a Mastercard logo. If none, you can make your inquiry here: https://www.bdo.com.ph/contact-us

  483. Hi Jan, I think your mobile account is the one that is not active. Before you can activate your mobile banking, register first in BDO’s Internet banking.

  484. May I ask about my bdo remitance saving account. My account is less than a year but it’s almost 12 months before I remitted to it. Is it still a remittance savings? How can we inquire abroad as I brought my atm and passbook with me. Thanks

  485. Hello.. I have a BDO kabayan ATM, and I guess the last remmitance I received was 7 or 8 months… I inquire my balance just today and its working but I tried to register in mobile apps for mobile banking and it was successful my concern is when i open it in my mobile it says my account is inactive is it just inactive in my mobile or the whole thing of my ATM account?

  486. Hi! Mam. My brother remitted money from dubai, uae. I checked my balance a while ago and it was still 100 pesos. my kabayan saving account was opened last month.

  487. Hi princess, since you have not reached the 12-month limit, you can still deposit less than 10k this month and the following month. There’s no minimum deposit requirement. Their only rule is that if you want your account to remain Kabayan, you should remit from abroad at least once every 12 months. In case your account gets converted into a regular account, you need to maintain 10k pesos in your account. To be sure, go to this BDO Contact page and ask if your account is still active.

  488. hi nora i have a kabayan savings account. I applied in pilipinas last dec. 5, 2013. Have not remitted since since january. if ever i remit to my account this november, do i need to deposit 10k? or can I deposit less than 10k? thanks. how much is the minimum deposit for the following month? thanks

  489. My last remittance was last august this year, actually i’ remitting monthly to my account. it’s only now that i haven’t because I’m on a vacation(2 months). I’m just worried. thanks for the reply 🙂

  490. Hi kristine, when was the last time you remitted to your Kabayan from abroad? If it’s more than 12 months ago, then your Kabayan will most likely be converted soon. If you won’t be able to maintain the 10k maintaining balance requirement, then it might be better if you withdraw your 300 pesos. If you last remitted to it from abroad about 10 months or less ago, then your Kabayan won’t be converted yet.

  491. Hi Nora, my kabayan savings acct has a balance of only 300+. i’m on a vacation right now. Hopefully next month i’ll be back abroad and next month I’ll be able to remit to it. Will it not be converted into regular savings acct once the balance goes below 300? thanks.

  492. Hi Gerry, I hoped you’ve already called BDO about this. Sorry I wasn’t able to reply immediately. It’s likely that you have not remitted to this account within 12 months, so your account was converted into a regular passbook account with a 10k maintaining balance requirement, and after 2 months, it was charged with below-maintaining balance penalty and then was closed. But of course I hope you have resolved this already.

  493. good afternoon.i send money to my account last sunday october 5 at 10am in one remittance center here in singapore. They told me it will be credited to my BDO account after 2 hours same day.since that was sunday and the following day was monday which is a holiday (hari raya haji) my wife decided to claim it tuesday but unfortunately the money was not there. i called the remittance office here and then they said that my account was already closed.how could my account got closed where in fact this is a kabayan ofw account which i opened in London last 2010 and every month (sometimes twice) i use to send money on this account aside from the fact that still it has balance on it. Please explain asap

  494. Hi I have a sister at Guam. And she requested to apply fo an atm remittance. What are your requirements and fees.

  495. Hi raven, yes, any person can deposit or remit to your Kabayan savings account. The account name and account no. should be correct, and the account should be active.

  496. Hi Joefry, what date in 2012 was that last deposit? Has 2 years passed? If 2 years have passed, your account is most likely dormant already, and has been put on hold. You must go to your branch with your valid IDs and reactivate it. If not yet dormant, and if your balance is less than 10k pesos, it’s better if you just withdraw all through the atm before you lose more to below-maintaining-balance penalties. The maintaining-balance for BDO passbook account has increased to 10k since May 1, 2014. If you’re abroad and your atm card has Mastercard logo, you can withdraw at a machine with Mastercard logo.

  497. Hi i just want to ask regarding my kabayan savings if there was deduction, as my last deposit of 5k was last 2012. is my account still active and can i withdraw it?

  498. Hi Mildred, I think that’s an option for you if you like your passbook to be updated and if you trust the remittance company or bank there. It takes a month because they’ll send your passbook to Makati for updating. They cannot print anything on your passbook because they’re not BDO; they’re just remittance partners. Keep your remittance receipts. Sorry I cannot say if that process is safe or reliable. Ask those with similar experiences there. You can inquire here: BDO Contact Page or BDO Remit Inquiry

  499. hello po. regarding lng po sa pagdedeposit sa savings account kasi kada deposit ko po pag ipapalagay sa passbook required daw na iwan sa kanila un passbook after 1 month saka makkuha. itatanong ko lng po sana kung ganun talaga dito sa abroad! KABAYAN SAVINGS ACCOUNT un inapply ko pero jan sa manila ako kumuha.

  500. Hi apolinario, no, your account won’t be closed because your balance is 12k, which is more than the required balance requirement for a regular passbook account (in case your Kabayan is converted into a regular passbook account after 12 months without receiving foreign remittance). List of BDO remittance partners in Qatar.

  501. Hi po.. ask ko lang po sana, andto po ako ngayon sa qatar.. may peso savings po aq na naiwan sa pinas.. which is 12k pa ang laman.. mag na nine months na po ako dito sa qatar at hindi ko pa po siya nahuhulugan .. maaari po ba itong ma closed? Dala ko po yung passbook ko dito.. may mga partners po kaya cla dito na kung saan e pwede ako maghulog? Thanks po in advance..

  502. Hi JAY, you can present your passbook to BDO for updating (“pa-update po”), so you can see where your 100 pesos went. Yes, for some remittance partners, BDO deducts additional remittance fee from your account. God bless din.

  503. Good morning po. ask ko lang po, noon nagbukas po ako ng account sa BDO kabayan, nagbigay po ng 100 pesos para sa initial balance then after maging active ng account at may nagpadala sakin from abroad nawala na yong 100 pesos at yong mismong ipinadala na lang sakin ang naging laman ng account ko…my question is mawawala ba talaga yong 100 pesos na initial balance ko o every may magpapadala sakin mababawasan ako ng 100?..thanks! GOD BLESS.

  504. 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

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

  506. 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

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

  508. 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.

  509. 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

  510. 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.

  511. 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,

  512. 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

  513. 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.

  514. 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.

  515. 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

  516. 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

  517. 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,…

  518. 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

  519. 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

  520. 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.

  521. 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.

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

  523. 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.

  524. 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

  525. 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.

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

  527. 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…

  528. 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.

  529. 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!

  530. 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).

  531. 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!..

  532. 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

  533. 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

  534. 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.

  535. 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.

  536. 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

  537. 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.

  538. 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

  539. 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

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

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

  542. 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!

  543. 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.

  544. 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!

  545. Hi Nert, yes, active ang account mo noong nag-remit ka after 4 months. Do you mean 7 months ka nang naghuhulog sa Kabayan mo? That’s great! Makakaipon ka. When you take your vacation, enroll your Kabayan in online banking so you can check your balance online while you’re abroad. You can also ask BDO if you can inquire about your balance here: https://www.bdo.com.ph/contact-us

  546. hello po admin! ask ko lang po kasi bago ako umalis ng pinas nag pa open account ako sa kabayan savings with atm. nag deposit po ako ng 500 pesos pra mkpag open account ako. pero bago ako umalis ni widraw ko ang 500 so zero balance na xa. noong andito na ako sa saudi after 4 months nkpag remit ako sa account ko. 7 months na ako nag hulog o deposit ng pera sa kabayan account ko. tanong ko lng po activated pba account ko? kasi 4 months ako hindi nkpag remit noon. Thanks!

  547. Hi John, the last time I called BDO, they said that the atm cards of all accounts opened abroad should be linked to the accounts at the BDO Buendia-Paseo branch before the default PIN can be changed. Upon arrival here, try changing your PIN at a BDO atm, and if it says “no existing account” or similar response, I think the process of going to the BDO Buendia-Paseo branch for linking is still the current procedure.
    About online balance inquiry, no, there’s no charge. Even fund transfer and bill payment are free. Based on my experience, safe naman, wala pa naman akong bad experience. Aside from password, BDO also texts you a 5-digit no. to enter before you can login.
    Online registration is also validated thru a BDO atm machine.

  548. Tnx po.nag open po kc ako ng Kabayan savings dito abroad.ang sabi sakin ok na daw at pwedi ng hulugan.pag uwi ko ng pinas papalitan ko lang ng password at any ATM machines.pero sa mga nabasa ko dto na comments 30 to 45 days kelangan mapalitan agad ang password kung hindi kelangan pang pumunta sa main branch ng BDO sa Buendia.tama po ba ako sa pag kakaintindi sa comments..?o mapalitan ko man o hindi ang password onece abroad nag open ng kabayan saving need talaga mag punta sa main branch ng BDO para i-ilink ang ATM card tas.saka pweding palitan ng new password..?

    Tas pag nag enroll ba sa ebanking.may bayad ba ang balance inquire? Safe ba ang saving don pag inilagay ang account no.

    Tnx po nag guguluhan kc ako.gusto ko lang maniguro muna bago ko simulang hulugan.

  549. Good day!
    Tanong ko lang po. From BDO kabayan saving account pwede ko bang itransfer to time deposit.wala po ako sa pinas.pwede bang itawag ko lang po para itrasfer..tnx po

  550. Hi Genaro, walang minimum remittance from abroad. Yes, merong interest ang deposit, although konti lang; ang important ay merong savings. Yes, puedeng magdeposit sa Kabayan account over the counter. Para ma-maintain na Kabayan ang account at walang maintaining balance requirement, dapat merong at least 1 foreign remittance in a year.

  551. gud pm po. itatanong ko lang kung magkano ang required minimum remittance from abroad at may interes po ba kung hindi ito iwiwidraw?. pde din po ba na magdeposit dto as savings account?

  552. Hi Ann, yes, before you go to Saudi, activate your atm card at a BDO atm. You can check your balance or withdraw at a Mastercard-linked atm in Saudi. Pag atm sa Saudi, riyal ang mag-apir na amount sa screen. Siempre, in peso pag sa atm sa Phils. Pag trusted mo ang relative mo, puedeng iwan sa kanya ang passbook at pa-update nila. Kung di masyadong trusted, puede nilang i-forge ang signature mo para makawidro sa passbook mo.

  553. gud pm po,plan q po kasi mg open ng kabayan savings account, my mga ksma po ako from saudi n ngppdla po s kabayan account nla and dun dn po nla chnchek ung balance and ngwwithdraw, possible po ba un n dun dn po cla mgwidraw? sb dn po kasi nla in riyals dw po if ngccheck cla ng balance. and pg uwi dw po dto s Pinas automatically converted ndw po ung laman ng atm nla in peso?ask q lng po if totoo un, And pwd q po ba iwan ung passbook q dto at paupdate s relative q??tnx po

  554. Hi joy, yes, if meron nang 14 months na hindi nahulugan ang Kabayan account, at zero balance siya, closed na siya.

  555. itatanung ko lang po kung magcoclose po ba yung account? ko kasi simula nagwork me dito sa dubai never ko po nahulugan yung sa passbook ko or account ko po.

  556. Hi billy, active pa siya, hindi ko lang sure kung Kabayan pa siya o regular passbook account na. Not sure how BDO counts days, meaning kung less than 1 year pa rin ang Jan 7 2013 to Jan 4 2014. Pagdating mo, visit your branch and ask if it’s still Kabayan or regular account. A regular passbook account requires a monthly average daily balance of 5k.

  557. ask ko lang po kinuha ko yung kabayan savings ko nung january 7 2013 tapos ngayun ko sana huhulugan pag uwi ko kaso di ko sure kung active pa kaya pinadahan ko nung january 4 2014 ng 1500 active pa kaya yun?

  558. Hi vomvom, it it was closed due to dormancy, you go to your branch with your valid IDs and reactivate your account. But if it was closed because of zero balance, it’s better if you open a new account to avoid paying penalties.

  559. Hi irene, na-change PIN at nagamit mo ba itong atm card mo when you were in the Phils.? If yes, dapat valid pa ang atm card mo kahit unused siya for many months.

  560. Hi paz, palagay ko active pa, kasi wala pang 1 year. Are you abroad? To be sure, ask someone to deposit maybe 100 pesos into your account to test if your account is still active.

  561. Hi paz, dapat hindi pa closed, kasi 1 year ang allowance nila na mahulugan ng at least once from abroad. Para sure, ask someone in the Phils to deposit to your Kabayan account, kahit 100 pesos lang, para ma-test kung active pa. Or call BDO.

  562. hi po ask ko lang po sana ung atm ng kabayan kung gagana pa din siya after 6 mos. n ndi naiinsert sa machne mahal pu kc ang inquire dto s taiwan kya d q gngamt un . ,peo by now papadla pu ung fren q, knkbhan pu z q bka d n gumana ung atm card ko . . ..i just wnt to know kng valid p dn xa

  563. hello po, ask ko lang po kung ang bdo kabayan atm debit card ,hindi nahulugan ng more than 4months..ma co close po ba yun?kasi gusto kung hulugan this month,,alala lang ako baka pag hinulugan ko hindi na activate,,,thanks po

  564. ask ko po kung active pa ba yung bdo atm kabayan debit card ko,, dko pa kasi nahulugan ,, 3months na ,, balak ko hulugan this month kaya lang iniisip ko kung active pa ba ito o hindi na,, .. d ko p aito nagamit,,,
    ,., thanks po

  565. Hi Dali, mukhang active pa, pero I think hindi na siya Kabayan at converted na into regular account. You can call BDO to ask (Intl. Access Code) +800-8-6318000 or you can ask someone in the Phils to deposit 100 pesos into your account to test if it’s still active.

  566. Hi mag tatanong lang po sana ako.

    I opened yunt kabayan account ko nung

    DEPOSIT BALANCE
    Aug. 23, 2012 Dep 100,100 100,100.00
    Aug 31, 2012 Int 8.22 100,108.22
    Sep 14, 2012 WD 100,000 108.22

    Then lumipad na ako papuntang US, and hindi na ako nakapag deposit. Palagay ninyo po ba open pa yung BDO kabayan account ko. Gusto ko sanang mag remit sa XOOM kaya lang baka close na yung account. Ano po ba ang magandang suggestion. Thank you very much.

    -Dali

  567. hello good afternoon.
    how to open BDO joint account thru dollar account?
    yung zero maintaining balance po sana. pwede po ba yun?and anu ano po ang mga requirements?

  568. Hi Jeomar, did you open your account in the Phils and were you able to input your PIN? If yes, then you can make balance inquiry at a Mastercard atm there. Fee of US1 to 1.50 per balance inquiry. But if not, try using the BDO Remit Inquiry system of bdo.com.ph; you can check the status of your remittance.

  569. Naka pg deposit napo ako dito sa KSA..
    kaso lang po hindo ko po alam kong papaano tingnan ang balance ko..

  570. Tanong ko lang po..paano po mg check balance..
    Mero po akong BDO account kabayan savings.
    Pero nandito po ako ngayun sa KSA..salamat po..

  571. Hi Ann, after 12 months without 1 foreign remittance, your Kabayan account will be converted into a regular passbook account — this account requires a 5k maintaining balance, and there will be a 300-peso per month penalty starting from the 2nd month your account is below 5k. So either you send 2k or more to the account to accumulate 5k or more, or you withdraw your 3k there (or 2,849 to allow for the US$3.5 withdrawal fee) if your atm card has a Mastercard logo.

  572. Hi poh maam nors…tanong ko lng poh ulit kong what if poh pag hindi ko na tlga mahulugan ang accout ko w/in 12 months kc poh hindi na ako ofw ngaun pero andito poh ako ngaun sa malaysia ma w/draw ko poh pa rin ba ung 3k ko na natira doon sa kabayan acount ko kong sakali mka uwi ako ng pinas? Tnx poh Godbless

  573. Hi Janice, is this a BDO Kabayan account? And was it still a Kabayan account when you left the Phils? Meaning it had at least 1 foreign remittance in a year. If yes and if it was left without transaction for just 4 months, your Kabayan account should still be active because their rule is at least 1 foreign remittance in a year.
    If it was active before but there was no foreign remittance in 1 year, it could already have been converted into a regular account which required a 5k maintaining balance and imposed a 300-peso-monthly penalty for less-than-maintaining balance. If you’re not sure, call BDO or use their contact page at bdo.com.ph

  574. Hi po pwede po bang malaman about Sa Kabayan saving account ko it’s Been active po ang account ko Ng NASA pinas pa Ako kaya Lang I withdraw all my money Sa account ko. Ang tanung po active po ba yon kahit almost 4 months na Hindi nahulugan. Nandito na po Ako Sa abroad so I’m planning po to send remmitance po every month for my saving . Please advice po if active po ba o Hindi na.

    Thank u

    Janice

  575. Hi Marissa, enroll in BDO internet banking. Go to bdo.com.ph and mouse over Online Banking Login then click Enroll Now. You will activate your online enrollment by taking note of your validation number and going to a BDO atm and validate your enrollment.

  576. Hello po,last oct ,09 po nag enrolled po ako ng kbabayan saving account ,di ko po na ATM change pin ung ATM ko pati po di ko po na activate ung electronic banking ko ,,,,,anu po dapat ko gawin para makapag log in po ako ,?tnx po

  577. Hi ailen, maganda nga yan na puro ka deposit, at monthly pa, para lalaki nang husto ang savings mo. Active ang account mo kahit walang withdrawal; basta merong deposit. Ang rules lang naman ay ganito: To avoid dormancy, dapat merong at least 1 withdrawal or 1 deposit within 2 years. Para Kabayan palagi ang status ng account, dapat merong at least 1 remittance from Abroad in 1 year. Under both rules, okay na okay ang account mo.

  578. Ask ko lng po meron po kasi akong bdo kbayan pero never pa ako nakapag withdraw puro deposits lang po ako monthly kasi andito ako ngayon sa kuwait. Madedeactivate po ba yun kapag walang withdrawal transactions for 1year?? Salamat po sana masagot ang tanong ko.

  579. Hi evelyn, if the atm card was activated before with a new PIN, I think it will not be deactivated even if it’s not used. Your mother’s over-the-counter withdrawals make the account active. God bless too.

  580. Hi ms. Nors i just want to ask regarding the atm card of bdo kabayan. If its not been use for withdrawal transactions coz my mother is just transacting over the counter coz she dont know how to use atm card. is the atm card will be close for not using it?? Thankyou and Godbless.

  581. Hi chelle, palagay ko converted na siya into a regular passbook account, kasi over one year na. Hindi ko rin sure kung active pa. Call BDO na lang. 800-0630-0021 from UAE

  582. hi i have bdo kabayan savings account and pasbook.. i want to know if its still active?.. my first and last remitance is last august 2012 pa 50php.. at ndi ko rin po cya na change pin generated, or na pa activate.. sa pinas ! pero yung nandito na ko sa uae, i try to insert in other atm machine here in uae. using the ooooo pin.. last october 2012 ok naman its working .. pero di ako ng balance inq.. para di mabawasan ..at ngayon gusto kona po cya hulugan .. pero im not sure if its still working?? ano po sa tingin nyo?? close na po yun or regular savings account na cya?? thanx for your acknowledgement .

  583. Hi Ann, do you mean 6 months mo nang hindi nahulugan ang Kabayan mo, at 3k ang andon na naiwan na balance? If yes, okay lang. Active pa ang account mo at andon pa ang 3k mo. Para ma-maintain siya as Kabayan, at hindi mabawasan ng penalty if it falls below the required maintaining balance, mag-remit ka from abroad to your Kabayan account kahit minsan lang before it reaches 12 months.
    Make your balance 5k or more para kahit walang foreign remittance in a year at ma-convert siya into a regular passbook account na nagre-require ng 5k maintaining balance, active pa rin ang account mo, at walang penalty deduction. Dapat ding merong deposit or transaction within 2 years para hindi maging dormant account.

  584. Hi Elle, thank you very much for sharing your experiences about Kabayan and internet banking. It really helps us a lot if we take advantage of features offered by banks. Thanks again. best regards

  585. Hello everyone. I just recently opened my BDO Kabayan Account. My husband is the one who remits the money from abroad but since he is away, he left the account to my care. BDO Kabayan is a great savings account if you ask me. I was able to get an atm and passbook for opening an account with 100Php. I also got SM Global Pinoy benefits for free (ask your branch about this) and I have access to my acccount anywhere with internet and mobile banking. The great thing about all this is that there is no maintaining balance and to keep the account active atleast one remittance a year is the only requirement. I am also not worried security-wise because for online transactions, an alert is sent to my phone for a OTP one time pin whenever my account is accessed.

  586. Cnxa na poh maam kong na dsturbo kita.. Hmm ung 3k ko poh kc un nlng ang natira kong pera doon sa account ko. Tapos hindi ko na poh xa nahulugan… Mga 6 na tlga.. Noong nag abroad pa ako noon.

  587. Hello Ann, meron din po kasi akong work, so hindi ako nakakasagot agad. Hindi po website ito ng BDO. I just like to blog.
    Active pa ang Kabayan mo. Andon pa ang 3k mo. Ito bang 3k ay local deposit or remittance from abroad? Ang Kabayan ay naco-convert into a regular passbook account kapag walang at least 1 remittance from abroad in 1 year. Okay lang naman kung ma-convert basta merong balance na 5k or higher. Ang Kabayan walang required maintaining balance; ang regular passbook, 5k ang maintaining balance.

  588. Tanong ko lng poh about sa kabayan ko na bdo 6 months na poh na hindi ko nalagyan tapos 3000k lng sa php ang laman.. Ok pa poh ba un or diactived na..

  589. Hi gharie, yes, anyone in the Philipines can deposit into your Kabayan account. Puede rin ang local deposit sa Kabayan.

  590. hello! me bdo kabayan savings atm card aq! it is possible if someone here in the philippines send me money in my bdo kabayan savings atm card! tnx!

  591. Hi khecy, yes, okay lang na hindi every month, basta huwag mong bawasan yang 2k mo. Ang dormancy naman is 2 years without deposit or withdrawal, so hindi mo naman paabutin na ganon siempre. Keep saving, am happy for you.

  592. hello! Good afternoon.ask ko lang po about sa Atm debit card without passbook dpat po ba every month nahuhulogan or kahit hindi basta my maintain na 2000.okay lang po ba yun?

  593. Hi cathyrine, kung past one year na at pang-13th month pa lang, I think hindi pa closed pero converted na siya into a regular passbook account na meron nang 5k-maintaining balance requirement. Dapat lagi ka nang mag-iwan ng at least 5k sa account. Pero it’s best if you call BDO first to ask if your account is still active. Or you can make a balance inquiry at a Mastercard-linked atm machine there (if your atm card has a Mastercard logo), and if you can access your account, it means it’s still active. Balance inquiry charge is 1 or 1.50 US dollars.

  594. hi gud eve!im cathyrine.ask lng po ung bdo kabayan k po na activate kna s atm machin jn po b4 ako umalis ng pinas un nga lng til now d kpa nhulogan khit isang beses nag 1yer n ata nung july2013…active paba account ko?pwede kpa b mhulogan yan?d pa ba close yan?2022 p ang xpiry nya..tnx..

  595. Hi Erika, does your atm card have a Mastercard logo? You can try making a balance inquiry at a Mastercard-linked atm machine there. But I think your Kabayan is still active because the one-year period for at least one foreign remittance is not yet over. About no withdrawal: It’s okay as long as you deposit to it from time to time. A savings account becomes dormant only if it has no deposit or withdrawal transaction within 2 years.

  596. Hi im erika i just want to ask about kabayan account i already have one but unfortunately my parents didnt remit for 9 months and i decided to make a remittance again.how would i know if my kabayan account is still active?imy BDO kabayan card is with me in spain bacause im planning to save my money their so i wont be holding cash when i go back to the philippines to have a vacation is it possible or there will be a problem if there is no withdrawal transaction

  597. Hi mj, you can visit your branch and ask the status of your Kabayan and if you still have time to retain it as Kabayan by having someone deposit to it from abroad. Someone commented here that she was not allowed to open 2 Kabayan accounts. Or you can wait till your old Kabayan gets closed (zero balance for 1 year and 2 days; your atm inquiry gets an invalid account response), and then open another one in another branch.

  598. hi good evening i just want to ask about my kabayan account i already have one but unfortunately i didnt remit for almost a year i decided not to use that anymore and i wanted to open a new one do i need to go to the main branch where i open my old account to to diactivate it.

  599. Ano po ba ung pipindutin sa atm para po malaman ko ung balance ko sa kabayan atm card ko? thanks po sa pag answer.

  600. Hi Rose, if you opened your account for example Aug 15, 2012, your one-year period was reached on July 14, 2013. I think your Kabayan has already been converted to a regular passbook account; I hope you can deposit much more so that by August your average daily balance is at least 5k. By August 31, you will be deducted 300 pesos if your average daily balance is less than 5k. About the 70-peso deduction, you ask BDO. You can use this BDO Contact Page

  601. hope you can help me.i put 1,051php(amount based on the bank paper like a receipt of sort given to me when i sent the money)and when i checked my account online cause i have online banking, it only shows 1,031php.considering i have 50php in there as my opening balance.how come?supposedly i should have had 1,051 + 50 = 1,101. I opened that account somewhere in August 2012,i sent that amount July 30, 2013. so its not a year yet. is my account converted to a regular account now? how could i possibly know? i want to understand why this happened.hope you could help me. thank you really.

  602. ask q lng po kung open pa ung kabayan passbook na simula qng inopen ay noong 2011 pa hindi pa nahulugan khit minsan. tnx pki sagot po sana agad sa email add q.

  603. Hi karen, ang sabi naman ng BDO for Kabayan account is at least 1 foreign remittance in a year, para Kabayan pa rin ang account mo, so dapat active pa yong Kabayan mo kasi 6 months pa lang naman since your last remittance.

  604. Hello po ask ko lng po kung activted prin po ba ung acount q because the last time I sent remittance was last january 2013 pa po 6 months n po ang nakalipas, I’m planning to send remittance again this month I just wnt to be xure n activted pa ung acount ko kc po 800 pesos n lng po ang laman nun.. tnx…

  605. How can i know if active til now my kabayan savings 1 year and 7 months untill now i cant rimet money so i want to rimet now.im her in jeddah saudi aribia.

  606. Hi loloy, wala bang sinabing Invalid PIN? O Network Connection Problem? Basta na lang tumigil yong atm machine sa huling screen o blank screen? Have you tried tracking your remittance sa BDO Remit Status Inquiry sa bdo.com.ph? Try again tomorrow in another machine with the same logo (Mastercard or Visa) as that on your atm card

  607. good afternoon po ask ko lang po kase andito po ako sa jeddah, last october 2013 po ay nag open ako ng bdo kabayan saving account taz ngaun july ko lang po cya nahulugan, kahapon po nag balance inquiry ako e wala pong response na lumabas, dalawang magkaibang pin mo ang tinype ko kase medyp nakalmutan ko po kung alin dun ang pin number ko talaga, bakit po kaya ganun, sana p masagot nyo at malaking tulong po ito sakin maraming salamat po

  608. hello..good day ma’am,
    may i ask…i am working abroad, i am planning to leave my passbook to my father..is he allowed to update my account? thank you and God bless.

  609. Sir/mam;
    Nakapagdala na po ng pera ung husband ko from saudi. Sinabi nya sa akin control number nung resibo sa bank to bank..un ung sinabi nya lang nung tumawag sa akin.Paano po ang next na gagawin ko? Paano ilalagay o kukunin? thanks po sa pagsagot.

  610. Hi anprialle, is this BDO Kabayan? If yes, your account no. is in your passbook, near your name. You can’t see your account no. in your atm card. If you forgot your PIN, you have to buy a replacement card and input your new PIN — ito ang policy ng BDO.

  611. …hi ask ko lang po…san ko makikita ung account number ko sa atm card i forgot kasi ….tsaka kapag nakalimutan mo ung pin pano maretrieve po…thanks..

  612. Hi Sara, to deposit your money, you fill up the Cash Deposit slip. Your account number is the 10-digit number in your passbook. 12-digit kung merong 00 sa unahan. Puedeng deposit with passbook; puede ring wala. Pa-update mo na lang ang passbook every month or once in 2 months, etc. For remittance from your husband, send your husband your account number. Send also your name, exactly how it’s written on the passbook. Here’s a list of BDO remittance partners in Saudi Arabia

  613. Hi Shiela, do you mean it has been 1 week that the amount is not available? You should call BDO or visit your branch. Baka merong reason (usually about kulang or mismatched personal info) na kelangan mong i-resolve. Bring your IDs. Call first madala mo kung anuman ang kelangan nila.

  614. I’m just wondering why I can’t withdraw my money from my Kabayan Savings account. When I did a balance inquiry, the money that my husband deposited is indicated as current balance, and my available balance is the initial amount that we deposited. For how long will our money be posted as available balance since I have been waiting for it for a week already. Please help. Thanks.

  615. I opened my Kabayan savings account and my card on june 20 2013, and got it on june 28. I’m here in philippines. How can i deposit in my account?and my hubby working in saudi, how can he deposit he’s money to my account.

  616. Hi florante, about your PIN: Pagbalik mo here, go to your BDO branch and have your atm card replaced. You’ll input your PIN into your new card. BDO does this because their system can not retrieve your current card’s atm PIN. Since you said you’ll return in 2015, I’ll remind you that you should not let your account get dormant because dormancy is penalized. Dormancy means no deposit or no withdrawal within 2 years.

  617. Good day po..ask ko lang nakalimutan ko po kasi pin number ng kabayan atm ko..nakapaghulog nako sa enjazz dto po ako sa riyadh…2015 pako uuwe..pano ko malalaman balance ko..thanks and god bless

  618. Hi James, it’s great that you mentioned their response about printing and signing the acknowledgment page — it means that BDO is still accepting enrollments from abroad. For a while, I thought they stopped for some reason. No, it should not be through your sister, because there was one who commented here who did that through his wife, and it was not accepted. The proper way is to print your acknowledgment page, sign it at the lower portion of the paper, and then send it by postal mail to:
    BDO
    BDO Paseo – Gil Puyat Branch
    EBC Bldg., Paseo De Roxas corner Gil Puyat Ave.
    1200 Makati City
    Philippines
    I hope you can share later on if you were able to activate successfully, and thanks too.

  619. Followup question Ma’am Nors,

    I finished signing up to enroll the problem is that i need to activate my account through any BDO ATM in HOFUF theres no BDO ATM and BDO BRANCE, it say also that i can activate my enrollment through printing and signing the paper then submit any BDO BRANCH, my problem there’s no BDO BRANCH here in my place, im thinkng that can i sign with printed name and scan email to my sister in my province and she’s the one who will submit to the BDO BRANCH is it possible or not?

    Your help truly appreciated.

  620. Thank you for replying Ms. Nors.

    Now i understand now the thing i need to do is to enroll BDO Internet Banking for me able to track my monthly remittance. thank you very much

    your help truly appreciated.

  621. Hi James, do you mean RCBC Telemoney? Yes, if there’s no BDO partner there in Hofuf, you can remit through Telemoney, then RCBC will forward your money to BDO. About BDO Remit Status Inquiry, sorry it’s only for those sent through BDO Remit partners. If you stay longer abroad, email BDO and ask if you can enroll in BDO Internet banking while abroad so you can track your monthly remittances.

  622. Thank you for replying Ms. Nors.

    I have a followup question Ma’am Nors, im here in KSA, HOFUF i’m Sure that HOFUF is not mention on the list of BDO REMITTANCE PARTNER right, so how can i remmit my money with my kabayan account all my work mates their remitting their money through telemoney to their family in my case i’m remitting my money to my savings. is that possible i use telemoney to remitt my money to my kabayan account and with the use of their tracking or remittance number can i use that to verify or track my remittances that enters to my kabayan account in BDO in Philippines. your help truly appreciated thanks.

  623. Hi James, you can deposit money into your Kabayan by remitting money to it through BDO remittance partners in KSA. This is a list of BDO remittance partners
    You can track your remittance via BDO Remit Inquiry at bdo.com.ph. If your atm card has a Mastercard logo, you can make an atm balance inquiry at an atm machine there with Mastercard logo. Charge is US$1 or 1.50. There are times though that the BDO-Mastercard link does not work. You can also call BDO (Intl. Access Code) +800-8-6318000

  624. Good morning i would like to ask if how can i deposit my money to my kabayan account im here right now in saudi, and how will i know that it enters to my account, finally how will i balance inquiry? your help truly appreciated po. thanks.

  625. Hi han, you can deposit dollars to your Kabayan dollar account over the counter. But at least once a year, have someone abroad remit dollars into your Kabayan so that it will remain a Kabayan acccount with no maintaining balance requirement.

  626. hello,

    i would just like to ask if ever i will just manually deposit money to my kabayan dollar account in dollar bills po, is that okay or should it be a remittance from someone outside the country?

  627. Hi yhettclaus, yes, you can deposit over the counter. Puedeng local deposit, puedeng galing abroad. Ang maintenance requirement lang ang dapat galing from abroad, at least once a year.

  628. hello po. ask ko lng po kasi ngopen ako kabayan savings accout for remittances from my father and brother.. ask ko lng po if kahit andito lang ako sa pinas, i can still deposit sa kabayan savings ko..kasi ayaw ko na sana mgopen ng another account pa.pede dn ba ako magdeposit dun?or strictly for remittances from abroad lng tlga ang kabayan savings acct?thanx po.

  629. Hi elly, yes, I think you can because your first Kabayan is already closed. Ask them how long before you receive the passbook and atm, because what I know is that they forward the application to BDO Philippines and then wait for the passbook and atm to be sent.

  630. Hi rejoice, for tracking your remittance, you can use the BDO Remit Inquiry system at bdo.com.ph. To check your account balance, you need to call BDO: (Intl. Access Code) +800-8-6318000. You can also enroll in BDO Internet banking but it takes time because you are abroad. At the first stage of internet banking enrollment, if you see this option “I do not have access to a BDO atm machine,” then BDO is still accepting enrollment applications from abroad. About PIN, since you got this account abroad, the procedure is when you arrive in the Philippines, you go to the BDO Buendia-Paseo branch in Makati to link your atm card to your account, and then change your PIN at any BDO atm machine. Your default PIN is 123456. Or ask the Buendia-Paseo branch if the default PIN can be any number.

  631. thank you maam sa pagsagot ng tanong ko pwed po ba ako mag open ng bagong bdo kabayan savings account d2 sa qatar?

  632. Hi maam nors, have a great day..i just got my bdo atm and passbook yesterday here in dubai. i just want to know mam kung pano ko matretrace na ung idedeposit kong pera dito sa dubai eh pupunta tlga sa account ko sa pinas.tsaka pano ko pala mapapalitan ung pin eh wala naman po akong naricieve na pin sa binigay nila..

    Thankyou maam

  633. Hi elly, I think your account is already closed. After a year without any foreign remittance, a Kabayan is converted into a regular passbook account with a 5k-maintaining balance requirement, and since it has only 100 pesos, it incurred a penalty of 300 pesos on the 2nd month, and then it was closed. Please call BDO, if you like further info: (Intl. Access Code) +800-8-6318000

  634. hello po i just want to ask lang po about my kabayan savings august 2011 ko pa po ito nakuha at na activate ko na po sa pinas at may laman na 100 sa peso ngayong nandito na po ako sa qatar hindi ko pa po na try na hulugan sa loob ng isang taon at hanggang ngayon at 4 monts nalang natira sa contrata ko dito plano ko sanang hulugan bago umuwi sa pinas ang tanong ko lang po pwedi ko pa bang hulugan ang kabayan savings ko or active pa ba ang account ko?

  635. Hi metch, for forgotten BDO atm PINs, BDO’s policy is for the account holder to buy a replacement atm card for about 120 pesos. Only the automated system knows your PIN, and it cannot be retrieved by any bank personnel… to prevent fraud. So if you have money in your cash card, buy a replacement card at your branch. About online banking enrollment, make sure someone had already remitted to your Kabayan from abroad, and maintain some amount in your Kabayan, and then enroll again. Activate within the no. of days mentioned in your email from BDO.

  636. Hi,po..i have almost similar as the problem of Jobee Tamondong, I was a bit confused with it. It said to be atleast one remittance per year. Mine is like 1 month and few days to go before it will turn to regular account,exactly the date was June 15th 2012 and it means it’s like going to expire before June 15th 2013. I’ve planned and pleased my foreign friend to send money on my account soon before/earlier than the said date. And the other problem in related to the same Kabayan savings account on E-banking, i got trouble on accessing online coz it was unsuccessfully registered,but i have to try enrolling it again bec. i’ve read this one on their ‘no-reply’ e-mail:

    Please be advised that the activation of your BDO Internet Banking enrollment was
    unsuccessful as you have entered an invalid ATM activation code. Please reactivate
    your enrollment within 45 days from your enrollment date..

    I forgot to retry it due to longer days to wait for 45 days. SO, does it mean that i wasn’t totally registered my account online? coz When i tried to access online it can’t go through using the email and password, moreover, i forgot those username and pw as well.

    Other concern:
    Is it real that if BDO cashcard’s pin totally forgotten there’s no way retrieve and have to apply for another cashcard? coz i was planning at that time to transfer such funds from Kabayan to Cashcard but totally messed up everything for some reason, i’d both open them on the same day and put some pennies.

    I tried to call on their hotline number but was hard to get through the line. I went to Bdo and the guard just told me that the even clerk can’t give/retrieve my cashcard pin coz they’re not provided with it due to privacy of the account holder. I even sent them email on Mybdo-InternetBanking@bdo.com.ph and got no single response from them. So, I rather keep on reading threads/blogs that could help me somehow.

    I am hoping i could hear responses in here.
    Thanks

  637. Hi babylyn, yes, you should be able to withdraw all your money using your passbook at another branch. There will be a 100-peso charge for interregional branch withdrawal. But there are a few BDO branches that refuse this service, based on some comments here. If you cannot open another Kabayan in a branch near you because your Kabayan takes time to get closed, open another type of account, such as regular atm savings or regular passbook, but make sure to maintain the required maintaining balances.

  638. hi ma’am nors, thank you for your response, i would like to ask is there any way to widraw cash in any BDO branch without ATM card linking? is it possible to use passbook to to get all remittance and i will close my account then i will open new account again from BDO nearest in my place in phils.so i can widraw anytime. Please advice,ma’am because i may not able to go to main branch,..thank you

  639. Hi Jeff, wait for 24 hours after PIN change. After 24 hours, your atm card will be ready for use.

  640. Hello Po..I would like to ask if where in jeddah,KSA will I go if I want to deposit as well as update my passbook?i mean ur bdo branch or partner?do they update passbook ? Thanks …pls send me ur answer @ ReynaKat10@gmail.com

  641. HI im jeff po,mag-ask ako about my ATM card kasi im already change the password right after na nakuha ko, mag-ask ako the time na gichange ko yong pasword authomatic ba ang ATM ko na activate…kc pag-insert ko siya sa machine now lalabas agad ang ATM ko tapos sabihin niyA invalid transaction.what will i do?Thank you po.

  642. Hi babylyn, no, there’s no problem related to that month you did not remit. Congrats for saving money regularly. That’s a great thing that you did. I hope you will put it in auto-renewal time deposit when you arrive so it will earn more. Did you open your account abroad? If yes, you need to go to the BDO branch at Buendia-Paseo de Roxas – this is at the first intersection if you’re coming from MRT-Buendia – and link your atm card to your account. After this, you enter your PIN at the BDO atm machine. But your PIN will be effective after 24 hours, so withdraw at this branch using your passbook if you need to withdraw some money. You can also have your passbook updated at this branch so you’ll see your savings.
    I hope you can comment later on about the procedures so we can learn from your experiences.

  643. i started to send money to my BDO savings account last june 2011 til now, but there is a month that i didn’t put, is there any issue for that i mean is there any penalty? and 1 more thing i am going back philippines for my 1 month vacation how & where can i activate my BDO savings account to widraw my money? thank you!

  644. Hi Mark, if your account is Kabayan, it’s okay even if you left only 80 pesos in your account. Kabayan does not require any maintaining balance. Its requirement is at least 1 remittance from abroad per year. If there’s no foreign remittance in one year, it will be converted into a regular account and will require a 5k maintaining balance.

  645. Hi dear responder! I’m Mark a first time subscriber. I would like to ask about my BDO “Kabayan” account balanced .. The scenario was, last Feb. 28, 2013 I withdrew most of my savings and I guessed I just left only a minimum of 80 pesos below. Because I got it all out without a doubt then I realized that I forgot to maintained it at least 300 or 100 pesos before I left Philippines. And it’s already more than a month, but I still want to used that account of mine. What do you think Sir/Maam? Could I still used it? Coz’ Im all the way here from Zamboanga Peninsula, Mindanao and it’s kinda long distance for me to go the nearer branches here.. TNX a lot, hoping that you will help and suggest me when it comes to this matter.. STAY BLESS..!!