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 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.

  2. 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.

  3. 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

  4. 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

  5. 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.

  6. 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.

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

  8. 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.

  9. 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..

  10. 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.

  11. 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

  12. 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” .

  13. 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.

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

  15. 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.

  16. 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

  17. 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.

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