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

  2. 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: 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.

  3. 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

  4. 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.

  5. 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.

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

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

  8. 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).

  9. 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.

  10. 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?

  11. 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.

  12. 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!

  13. 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.

  14. 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

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

  16. 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!

  17. 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

  18. 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.

  19. 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

  20. 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.

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

  22. 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.

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

  24. 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…

  25. 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

  26. 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.

  27. 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,

  28. 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.

  29. 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?

  30. 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.

  31. 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

  32. 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:

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