BDO Kabayan Maintaining Balance

March 13, 2011 · Filed Under Banks, BDO, OFW 

As of today, March 12, 2011, the maintaining balance for a BDO Kabayan savings account is ZERO. But you need to have at least one remittance per year.

What happens when one year passes and there’s no remittance?

I emailed BDO about this and here’s the reply:

After a year passes and the Kabayan account has not received any remittance, BDO will convert the account into a REGULAR passbook savings account.  This account will now require an average daily maintaining balance of 5,000 pesos.  This is with passbook, so it’s 5,000; the maintaining balance for the regular ATM savings account is 2,000 pesos.

If this converted account is not able to maintain the maintaining balance for two consecutive months, the account will automatically be debited with 300 pesos.

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.

Monthly Average Maintaining Balances for Other BDO Accounts:

Peso Passbook Savings Account
(with or without ATM)   —   5,000 pesos
Junior Savers Club  –  100 pesos
Power Teens Club  –  2,000 pesos
Smart Guarantor  –  5,000 pesos
Peso ATM (without passbook)  –  2,000 pesos
Regular Checking Account  –  5,000 pesos
Dollar Savings Account  –  US$200

BDO Hotline:   631 8000

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?



171 Responses to “BDO Kabayan Maintaining Balance”

  1. kate on February 9th, 2013 6:10 am

    ask ko lang po kasi yung kabayan savings ko hindi ko naactivate before leaving the country last oct 2012. nakaindicate po dun sa atm card na valid sya thru 12/22. does it mean po ba na hindi na working yung account? plan ko po kasi na ipaactivate sa kapatid ko pagUwi niya. thank you.

  2. Nors on February 9th, 2013 7:30 am

    Hi Kate, active na itong Kabayan account mo. So puede na itong depositohan or padalhan ng pera. Ang hindi pa active ay yong atm card mo. Inopen mo ba itong Kabayan sa abroad? Kasi kung sa abroad na-open, kelangang i-link ang atm card to your Kabayan account by going to the BDO main branch in Buendia corner Paseo de Roxas, and then activate your card sa BDO atm machine.
    Kapag inopen ito sa BDO branch sa Philippines, puedeng i-activate ng kapatid mo pag-uwi niya dito via BDO atm machine. Pero ang alam ko, dapat within 30 days.
    So, in the meantime na di pa activated ang atm card mo, ang ilagay mo lang na pera doon ay yong for savings mo, kasi ikaw lang ang makakawidro via passbook sa BDO branch sa Philippines over the counter.

  3. Nors on February 9th, 2013 7:33 am

    Hi cythei, yes, you’re right, your Kabayan will be converted into a regular passbook account after a year without receiving any remittance from abroad. After 2 months from conversion that it does not receive a deposit, or it does not comply with the 5k maintaining balance requirement, it will be closed.

  4. Nors on February 9th, 2013 7:38 am

    Hi Madona, if your atm card was activated, then you can try making balance inquiry at a Mastercard atm there in Riyadh. But this does not always work because of network problems. Magtatagal ka pa ba diyan sa Riyadh? You can try enrolling in BDO Internet banking kung meron pa yong option na “I do not have access to a BDO Atm account” sa enrollment:

  5. Anna on February 11th, 2013 12:51 pm

    Hi.. Ask ko LNG po if active pa ang kabayan bro remittance account ko.. 2011 ko po cya inopen Pero sad to say dko cya nahulugan possible po b n di na cya active?? Dto po Kc ako ngayon SA dubai gusto ko n po cyang hulugan.. Thanks po Sana po masagot

  6. Anna on February 11th, 2013 12:52 pm

    Sorry Bdo remittance account po yun.. Wrong text

  7. Margie-liza buchanan on February 12th, 2013 7:49 am

    Hello po… Yung kabayan account ko visible po ba in abroad or ex mag oopen pa Ko another account here usa mag aapear po ba? Or hindi

  8. Nors on February 15th, 2013 6:50 am

    Hi Margie-liza, do you mean visible in BDO Internet banking? If you enroll your account in BDO online banking, then you can access it via the Internet.

  9. mercy forrosuelo on February 19th, 2013 9:02 pm

    Hello! Po, ask kulng po san, kasi po nag balance inquire ung asawa ko sa phinas gamit ung bank book ng bdo sakin po ung atm, nung nag balance inquire po sya di po tumogma sa resebo ko dito sakin, bakit po ganon, ung sa nag balance inquire sya ung pera ay 42,272 ung sakin dito sa resebo 42,529 bakit po ganon? Di po ba dapat tutubo un? Plzz pake sagot naman po! Nag tataka lng ako. Thank’s

  10. Nors on February 20th, 2013 1:30 pm

    Hi mercy, I’m not sure about the reason for the 257-peso difference. Did you remit in dollars? or other foreign currency? Your receipt may have reflected the exchange rate at the time you remitted, but when the foreign currency reached the Philippines, the rate changed. You can ask your remittance company the next time you remit.

  11. Jennifer on March 5th, 2013 7:34 pm

    I am living now in Abu Dhabi, I left my BDO account with 1000php. my question is, activated p kaya un? I am planning to go home and start to put up my savings rather than to open a new account pra hndi na po waste of time filling up s mga application at submitting another set of requirements.

  12. Nors on March 6th, 2013 12:34 am

    Hi Jennifer, is your BDO account a Kabayan account? Did you remit to this account at least once a year? If yes to both questions, your money is still there, and your account is still active.
    If it’s a Kabayan, but you did not remit to it for more than a year, it could have been converted into a regular passbook account which requires a maintaining balance of 5k, and it could been penalized by 300 per month starting from the 2nd month it was converted. I hope it was not converted, so you still have your money.

  13. M on March 6th, 2013 9:32 pm

    Yong remittance po ba kapag hindi nawithdraw for two years ay may mga charges? However the remittance is consistent every month.

  14. Nors on March 7th, 2013 1:29 pm

    Hi miraluz, I’m puzzled why your friend is not sure she can withdraw her money in the Philippines. Is she sending money to her account at Metrobank in the Philippines? Did she open a Metrobank account in the Philippines before, and is she sending money to this account? Is she remitting at Al Rajhi Bank or National Commercial Bank? Or did she open a Metrobank Philippines account there at Al Rajhi? Does she have a Metrobank atm or passbook?
    If she’s sending to her Metrobank Phils account, no, there are no charges or penalties for not withdrawing her money, because she’s remitting to it every month. There are only 2 reasons why there could be penalties — below maintaining balance and dormancy — but these are not her violations because I’m sure her balance is already far far higher than 2k or 10k (if passbook account), and dormancy means no deposit or withdrawal within 2 years.
    She should keep her remittance receipts. She can also ask Al Rajhi in Al Balad if they have a Metrobank online banking enrollment form, so she can enroll in Metrobank online banking, so she can check her balance online.

  15. Jobee Tamondong on March 15th, 2013 12:38 pm

    i have my bdo kabayan applied on april of 2012, no transactions was done, but this march of 2013 my business partner will send money thru this bdo account, can i still use this or not? and apply for a new one?

  16. Nors on March 15th, 2013 2:34 pm

    Hi Jobee, your Kabayan could have been converted into a regular passbook account with a 5k maintaining balance requirement. You can call BDO to ask for its status, or you can open another Kabayan (if your Kabayan is already a regular passbook account).

  17. sadrac on March 15th, 2013 8:23 pm

    Good day po mam/sir,..

    ask ko lng po lang po sana, kasi po 5months na hindi ko p nahuhulugan ung BDO kabayan savings ko,. open pa po b un? nag aalangan po kasi akong hulugan kasi baka close na po,..

  18. Nors on March 15th, 2013 10:09 pm

    Hi sadrac, I think it’s not yet closed, because their rule is that there should be a remittance at least once a year. And not a year has passed, only 5 months. Use a BDO remittance partner, and then check BDO Remit inquiry at Keep your receipt. To be sure, call (Intl. Access Code) +800-8-6318000

  19. jouard on March 20th, 2013 4:56 pm


    Ask ko regading sa BDO Kabayan ATM with Passbook ko na naka joint account kami ng father ko. my question is, pwede pa ba ma activate ang account namin kasi na close dahil daw zero maintaining balance for 3 months at nalaman na lang namin nung nakapagpadala na ako from Al Rostamani here in Dubai.

  20. Nors on March 20th, 2013 8:51 pm

    Hi jouard, was this Kabayan opened about 1 year and 3 months ago? I asked because Kabayan does not require a maintaining balance — this is required only after a year without any remittance from abroad. About reactivation, you should reactivate it in person — something you can’t do as you’re abroad. Your father can’t do it alone since it’s a joint account. To retrieve the money you sent, go back to your remittance company and amend your remittance details. Send the money directly to your father for cash pickup at BDO, and then ask your father to open his own Kabayan account and deposit some of the money to this account. He needs to bring his IDs.

  21. Angelito on March 23rd, 2013 6:55 am

    Hello! Good morning. ask ko lang po kung active pa po ang aking account nagwowork po ako dito sa dubai ang last na hulog ko po nun june 2012 at umuwi po ako nun dec 2012 nasa 58pesos na lang po un laman nya before ako bumalik d2 plan ko po uli syang hulugan active pa po ba sya?maraming salamat po.

  22. Nors on March 24th, 2013 2:19 am

    Hi Angelito, was that June 2012 hulog a remittance from abroad or from Dubai? One year from June 2012 is still in May 2013, so your account should still be active. BDO’s rule for Kabayan is at least 1 remittance from abroad in a year. But call BDO to be sure (Int’l. Access Code) + 800-8-631-8000 or message them at

  23. analyn l.valladolid on April 4th, 2013 4:48 pm

    Ask lng poh ako.kc nag open acct poh ako 2010 kso hnd ko nkuha ang papers ko like pasbook at atm.nag open acct sna ulit ako 2011 pro nkta nla n my acct n ako nagdposit ako 2000.gusto ko poh sna continue hulugan kso hnd ko alm acct no p poh b un?ano ggwn ko poh..slmat poh.dto poh ako cyprus ngaun.pwd poh b mg open acct kht dto ako?pls help

  24. Nors on April 4th, 2013 10:03 pm

    Hi analyn, in what month in 2011 did you deposit the 2k? Is this account BDO Kabayan? Have there been 2 years that passed? An account that does not have any deposit or withdrawal will be put on hold and made dormant. You can open a BDO account if the BDO remittance partner there (Masari Payment Services Ltd. Windsor Business Center, 53 Spyrou Kyprianou, Mesa Geitonia, Limassol) is processing BDO Kabayan account application. But it also depends on whether your old account is still active.

  25. Aj on April 7th, 2013 11:21 pm

    hi ask ko lng po if magkaano ang maximum balanace each depositor sa kabayan savings or peso savings account?

  26. Nors on April 8th, 2013 7:15 am

    Hi Aj, there’s no maximum balance in a Kabayan account. You can put thousands or millions there. But of course if you have saved 100k or more already and you don’t need the money yet, put it in time deposit or mutual funds to earn higher interest. It’s only the BDO cash cards which have maximum balances — 10k and 25k.

  27. Jolymar Bajaro on April 9th, 2013 4:19 pm

    ask ko lng po kung active pa po yung kabayan savings ko..account #xxx-115-0×1-0, initial deposit ko 100pesos feb. 2011, tapos nasundan dito sa abroad 300 riyal dec,2012. gusto ko lng po malaman kc gusto ko magdeposit ulit kung active pa sya..hindi ko naactivate atm card ko before my flight. tnx

  28. Nors on April 9th, 2013 9:00 pm

    Hi Jolymar, you need to call BDO. A Kabayan account requires that you remit to it at least once a year. If not, it will be converted into a regular passbook account that requires a 5k maintaining balance, so I think by Mar or Apr 2012, your Kabayan was already closed. I think your 300-riyal remittance was put on hold. But I could be wrong, so you need to call BDO (Intl. Access Code) +800-8-6318000, or write BDO via this BDO web page BDO Contact Us

  29. gerald lansarote on April 10th, 2013 2:07 am

    hello po ask ko lng po kung paano ko malaman na pumasok ung mga deneposit ko d2 sa abroad thru my bdo kabayan savings jan sa pinas thanks po.

  30. jolymar on April 10th, 2013 1:25 pm

    thanks mam nors, sino pwede ko puntahan kung nahold yung deposit ko.? yung remitance office ba dito sa saudi or yung BDO sa pinas?
    tnx God bless us..

  31. Nors on April 10th, 2013 10:47 pm

    Hi jolymar, I’m not sure if your remittance was put on hold; it was just my thought. You have to ask BDO. Yes, you can also ask your remittance company what happens if your remittance cannot be deposited because the receiving account was already closed and you did not know it. You ask them if BDO returns the remittance to the remitting company.

  32. Nors on April 10th, 2013 10:52 pm

    Hi gerald, did you use a BDO remittance partner? Try using the BDO Remit inquiry system at You can also ask BDO how to know if your remittance was already deposited via their Contact US page: BDO Contact Page Don’t give them yet your account no.

  33. jill on April 16th, 2013 8:18 am

    nag open po ako ng kabayan savings account last week lang then nag deposit ako ng 2k. nun nakuha ko na yun atm, may instruction po silang binigay kung paano iactivate yun card at how to change PIN. then i start to activate and change my PIN na thru BDO atm machine. paano po ang balance inquiry sa kabayan savings account? same lang po ba siya s pag babalance inquiry ng regular atm? kung magkaiba po, paano? thank you and more power

  34. Nors on April 16th, 2013 9:04 pm

    Hi jill, yes, the process for balance inquiry is the same for the kabayan and regular atms. If you activated your atm card or changed your PIN just now, you can do your balance inquiry or withdrawal tomorrow, after 24 hours.

  35. Mark Jerone Ypon on April 17th, 2013 7:02 pm

    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..!!

  36. Nors on April 17th, 2013 11:48 pm

    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.

  37. babylyn on April 18th, 2013 6:13 pm

    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!

  38. Nors on April 19th, 2013 6:44 am

    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.

  39. JEFF on April 22nd, 2013 2:22 am

    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.

  40. Katerina on April 22nd, 2013 2:34 am

    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 @

  41. Nors on April 22nd, 2013 4:03 am

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

  42. Nors on April 22nd, 2013 11:40 am

    Hi Katerina, here are BDO Remittance partners in Jeddah . Sorry you cannot update your passbook there. Track your remittance at, click Remit Status Inquiry

  43. babylyn on April 23rd, 2013 1:06 pm

    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 i can widraw anytime. Please advice,ma’am because i may not able to go to main branch,..thank you

  44. Nors on April 23rd, 2013 11:20 pm

    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.

  45. metch on May 7th, 2013 3:11 am

    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 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.

  46. Nors on May 8th, 2013 12:53 pm

    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.

  47. elly on May 9th, 2013 2:19 am

    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?

  48. Nors on May 9th, 2013 6:18 am

    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

  49. rejoice on May 9th, 2013 4:25 pm

    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

  50. elly on May 9th, 2013 8:47 pm

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

  51. Nors on May 10th, 2013 1:18 am

    Hi rejoice, for tracking your remittance, you can use the BDO Remit Inquiry system at 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.

  52. Nors on May 10th, 2013 2:15 am

    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.

  53. yhettclaus on May 30th, 2013 3:02 pm

    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.

  54. Nors on May 30th, 2013 7:59 pm

    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.

  55. han on June 7th, 2013 4:04 pm


    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?

  56. Nors on June 7th, 2013 9:19 pm

    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.

  57. James on June 11th, 2013 5:01 pm

    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.

  58. Nors on June 12th, 2013 2:15 am

    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 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

  59. James on June 12th, 2013 1:44 pm

    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.

  60. Nors on June 12th, 2013 8:31 pm

    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.

  61. James on June 13th, 2013 1:16 pm

    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.

  62. James on June 13th, 2013 1:46 pm

    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.

  63. Nors on June 13th, 2013 2:57 pm

    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 Paseo – Gil Puyat Branch
    EBC Bldg., Paseo De Roxas corner Gil Puyat Ave.
    1200 Makati City
    I hope you can share later on if you were able to activate successfully, and thanks too.

  64. arthur hilomen on June 14th, 2013 3:15 pm

    does BDO kabayan savings earn interest?

  65. Nors on June 15th, 2013 6:26 pm

    Hi arthur, yes, if you maintain a monthly average daily balance of at least 5k

  66. florante santos on June 17th, 2013 3:38 pm

    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

  67. Nors on June 18th, 2013 2:35 am

    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.

  68. Nors on June 18th, 2013 5:22 am

    Hi florante, about balance inquiry, you can call BDO (Intl. Access Code) +800-8-6318000 or try enrolling in BDO Internet banking:

  69. Sara Bello on June 21st, 2013 11:59 pm

    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.

  70. Shiela on June 22nd, 2013 12:27 am

    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.

  71. Nors on June 24th, 2013 6:38 am

    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.

  72. Nors on June 24th, 2013 6:44 am

    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

  73. anprialle on June 24th, 2013 7:55 pm

    …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..

  74. Nors on June 25th, 2013 1:24 pm

    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.

  75. Sara on June 26th, 2013 9:49 pm

    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.

  76. rigel on June 27th, 2013 8:37 pm

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

  77. loloy on July 7th, 2013 1:49 pm

    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

  78. Nors on July 7th, 2013 9:48 pm

    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 Try again tomorrow in another machine with the same logo (Mastercard or Visa) as that on your atm card

  79. domingo r picardo on July 11th, 2013 12:59 am

    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 her in jeddah saudi aribia.

  80. karen on July 13th, 2013 6:52 pm

    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…

  81. Nors on July 13th, 2013 8:34 pm

    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.

  82. Pearly on July 24th, 2013 8:04 pm

    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.

  83. Nors on July 25th, 2013 8:23 am

    Hi Pearly, sori, matagal nang closed na yon. Mag-open ka na lang ng new account.

  84. Rose on July 31st, 2013 6:05 am

    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 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.

  85. Nors on July 31st, 2013 10:34 am

    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

  86. Tintin on August 1st, 2013 2:39 pm

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

  87. Nors on August 1st, 2013 8:51 pm

    Hi Tintin, Balance Inquiry or Inquire Balance.

  88. mj on August 4th, 2013 1:52 am

    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.

  89. Nors on August 4th, 2013 9:04 am

    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.

  90. Erika Santos on August 6th, 2013 10:45 pm

    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 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

  91. Nors on August 7th, 2013 11:45 am

    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.

  92. cathyrine c tejada on August 9th, 2013 9:43 pm

    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..

  93. Nors on August 10th, 2013 10:41 am

    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.

  94. khecy on August 14th, 2013 11:58 am

    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?

  95. Nors on August 15th, 2013 5:07 am

    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.

  96. gharie on August 16th, 2013 4:53 pm

    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!

  97. Nors on August 16th, 2013 8:39 pm

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

  98. Ann on August 21st, 2013 3:12 am

    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..

  99. Ann on August 21st, 2013 10:28 pm

    Bakit poh walang sagot ang tanong ko..? Gusto ko lngnpoh kc malaman eh

  100. Nors on August 22nd, 2013 4:53 am

    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.

  101. Ann on August 26th, 2013 11:18 pm

    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.

  102. Ann on August 26th, 2013 11:20 pm

    6 months pla…

  103. Elle on August 27th, 2013 2:55 pm

    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.

  104. Nors on August 27th, 2013 10:59 pm

    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

  105. Nors on August 27th, 2013 11:43 pm

    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.

  106. Ann on August 29th, 2013 12:30 pm

    Ok poh maraming salamat poh..God bless

  107. chelle on September 9th, 2013 8:50 am

    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 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 .

  108. Nors on September 9th, 2013 10:16 am

    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

  109. evelyn on October 14th, 2013 12:01 am

    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.

  110. Nors on October 14th, 2013 12:29 am

    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.

  111. ailen on October 14th, 2013 5:11 pm

    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.

  112. Nors on October 15th, 2013 8:25 am

    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.

  113. ailen on October 15th, 2013 1:21 pm

    Maraming marami pong salamat sa pgsagot sa tanong ko.

  114. Marissa on October 21st, 2013 4:21 pm

    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

  115. Nors on October 21st, 2013 9:48 pm

    Hi Marissa, enroll in BDO internet banking. Go to 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.

  116. Janice Glynn Dapiasan on October 22nd, 2013 4:34 am

    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


  117. Nors on October 22nd, 2013 4:44 am

    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

  118. Janice Glynn Dapiasan on October 22nd, 2013 2:51 pm

    Thank you so much for answering my question..

  119. Ann on October 22nd, 2013 10:41 pm

    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

  120. Ann on October 22nd, 2013 10:42 pm

    Nka dependent lng poh kc ako dito ngaun sa asawa ko eh…

  121. Nors on October 23rd, 2013 9:52 pm

    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.

  122. Jeomar on November 5th, 2013 2:48 pm

    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..

  123. Jeomar on November 5th, 2013 2:50 pm

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

  124. Nora on November 7th, 2013 4:44 pm

    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; you can check the status of your remittance.

  125. jimmy on November 12th, 2013 2:18 pm

    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?

  126. jimmy on November 12th, 2013 2:23 pm

    BDO kabayan savings for seafarer po sana iopen kong account. thanks.

  127. Dali Reyes on November 21st, 2013 3:36 am

    Hi mag tatanong lang po sana ako.

    I opened yunt kabayan account ko nung

    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.


  128. Nora on November 22nd, 2013 6:47 am

    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.

  129. paz potestas on December 3rd, 2013 4:02 pm

    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

  130. paz potestas on December 3rd, 2013 9:53 pm

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

  131. irene on December 4th, 2013 12:25 am

    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

  132. Nora on December 5th, 2013 10:07 am

    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.

  133. Nora on December 5th, 2013 3:08 pm

    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.

  134. Nora on December 5th, 2013 3:12 pm

    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.

  135. vomvom alacar on December 10th, 2013 4:41 am

    pano po b i activate yung account if nag close n cya..

  136. Nora on December 10th, 2013 7:36 am

    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.

  137. billy on January 9th, 2014 4:20 pm

    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?

  138. Nora on January 10th, 2014 10:14 pm

    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.

  139. joy gamol fernandez on January 21st, 2014 2:59 pm

    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.

  140. Nora on January 21st, 2014 5:47 pm

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

  141. Ann on January 21st, 2014 11:15 pm

    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

  142. Nora on January 22nd, 2014 4:16 am

    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.

  143. Genaro Lacsina on February 3rd, 2014 3:03 pm

    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?

  144. Nora on February 4th, 2014 9:05 am

    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.

  145. John on February 7th, 2014 11:53 pm

    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

  146. Nora on February 8th, 2014 10:42 am

    Hi John, ang alam ko hindi puedeng ganon, kasi you need to accomplish the time deposit form at the branch and present your IDs. You can ask your question here:

  147. John on February 8th, 2014 1:09 pm

    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.

  148. Nora on February 9th, 2014 7:13 pm

    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.

  149. Nert on February 12th, 2014 2:04 am

    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!

  150. Nora on February 12th, 2014 4:50 am

    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:

  151. Jessieh on February 12th, 2014 2:09 pm

    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!

  152. Nora on February 12th, 2014 4:03 pm

    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.

  153. Maria on February 15th, 2014 11:08 pm

    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!

  154. Nora on February 16th, 2014 1:37 pm

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

  155. April lee on February 19th, 2014 4:13 pm

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

  156. Nora on February 21st, 2014 7:27 pm

    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

  157. MArc on February 26th, 2014 1:08 pm


    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

  158. Nora on February 27th, 2014 7:34 pm

    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.

  159. aris on February 27th, 2014 11:59 pm

    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

  160. Nora on February 28th, 2014 12:27 am

    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.

  161. vhangs on March 6th, 2014 10:58 am

    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.

  162. saimen on March 12th, 2014 8:47 am

    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

  163. Nora on March 12th, 2014 12:27 pm

    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

  164. nino on March 17th, 2014 7:58 pm

    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!..

  165. Nora on March 18th, 2014 2:25 am

    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).

  166. totoy n. on March 19th, 2014 10:07 am

    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!

  167. Nora on March 20th, 2014 2:55 am

    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.

  168. marty on April 10th, 2014 1:42 pm

    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…

  169. marty on April 10th, 2014 1:59 pm

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

  170. Nora on April 10th, 2014 8:03 pm

    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.

  171. Nora on April 10th, 2014 9:00 pm

    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

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