BDO Kabayan Maintaining Balance

Updated May 22, 2014:

As of today, May 22, 2014, the maintaining balance for your BDO Kabayan savings account is still ZERO. But you need to make at least one remittance from abroad per year or per 12 months to your Kabayan account.  

What happens when 12 months pass and your account has no foreign remittance?

After a year passes and your Kabayan account has not received any remittance from abroad, BDO will convert your Kabayan into a REGULAR passbook savings account.  This regular passbook account requires a monthly average daily maintaining balance of 10,000 pesos.  Dati, 5,000 pesos lang; starting May 1, 2014, naging 10,000 pesos na.

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

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

BDO Hotline:   631 8000
Email:  callcenter@bdo.com.ph

Monthly Average Maintaining Balances for Other BDO Accounts:

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

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

Junior Savers Club  —  100 pesos

Power Teens Club  —  2,000 pesos

Peso Prime Savers — 2,000 pesos

Personal Optimum Savings Account — 30,000 pesos

Personal Smart Checking Account  —  15,000 pesos

US Dollar Savings Account  —  500 US dollars

US Dollar Prime Savers — 200 US dollars

Direct Deposit for US Pensioners — None

 

Related Articles:

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

323 Comments

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

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

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

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

  5. nag open po ako ng 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

  20. Hi,good morning,ask ko lng po may kabayan savings account ako,every 3 months hinuhulugan ko,ang tanong ko lng di ba maclosed o mawala ang pinaghirapan ko kahit walang withdraw akong nagagawa?almost 2 years ko na syang hinuhulugan… hope makapag reply kayo,, thanks

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