BDO Kabayan Maintaining Balance

Updated February 8, 2016:

In May 2014, the maintaining balance for a regular BDO passbook account was increased from 5,000 pesos to 10,000 pesos.  

If you fail to maintain your account for 2 straight months, you will be charged 300 pesos starting from the second month and every month thereafter until you restore your account or until your account is automatically closed.

If your BDO passbook account is a BDO Kabayan savings account, your maintaining balance requirement is still ZERO. But you need to make at least one remittance from abroad every 12 months to your Kabayan account.  

What happens when 12 months have passed and your account had no foreign remittance?

After 12 months have passed and your Kabayan account has not received any remittance from abroad, your Kabayan account will be converted into a REGULAR passbook savings account.  This regular passbook account requires a monthly average daily balance of 10,000 pesos.  Previously, it was only 5,000 pesos; since May 1, 2014, it has been 10,000 pesos.

If your Kabayan has been converted, and you are not able to maintain the 10,000-peso maintaining balance for two straight months, your account will automatically be debited with 300 pesos at the last day of the 2nd month, and then every month thereafter that your account is below the 10k maintaining balance requirement. Puedeng maubos ang balance mo kung hindi mo mawidro ang natitirang balance o kung hindi mo ma-restore ang account mo to the 10k monthly average daily balance agad. 


Note: Somebody commented here that his BDO Kabayan account was closed after 6 months of no remittance.  So before you remit to your Kabayan account, ask your family to test your BDO account if it’s still active by making a Balance Inquiry at a BDO ATM.  Or better, call the BDO call center and ask if your account is still active.

BDO Hotline:   631 8000

Monthly Average Maintaining Balances for Other BDO Accounts:

Passbook Peso Savings Account
(with or without ATM)   —   10,000 pesos

ATM Peso Savings Account (No passbook) — 2,000 pesos

Junior Savers Club  —  100 pesos

Power Teens Club  —  2,000 pesos

Peso Prime Savers — 2,000 pesos

Personal Optimum Savings Account — 30,000 pesos

Personal Smart Checking Account  —  15,000 pesos

US Dollar Savings Account  —  500 US dollars

US Dollar Prime Savers — 200 US dollars

Direct Deposit for US Pensioners — None


Related Articles:

BDO Kabayan Savings, BDO Remit Cash Card for OFWs
BPI and BDO Internet Banking — Free and Quick Ways to Send Your Children’s Allowance
List of Banks in the Philippines — Universal Banks, Commercial Banks
Top 27 Savings Banks in the Philippines — or Top 27 Thrift Banks
BPI, BDO, or Metrobank Fees — Why Keep Paying Them?


Add a Comment
  1. Hi 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.

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

  3. 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 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.

  4. 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

  5. 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

  6. 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 ?

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

  8. 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..

  9. 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.

  10. 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.

  11. 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

  12. 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.

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