BDO Bank Rules — Banco de Oro Updates, Reminders

June 20, 2011 · Filed Under Banks, BDO 

Here are some updates on BDO bank rules for customers.  Some are new;  the others are reminders.

Based on new BDO brochure:

  • Maximum amount of withdrawal per day  =  50,000 pesos
  • Maximum number of withdrawals per day  =  5 times
  • Minimum amount of withdrawal per transaction at BDO ATMs  =  200 pesos
  • Maximum amount of withdrawal per transaction at BDO ATMS  =  25,000 pesos
  • Fee for Withdrawal at the ATMs of other banks  =  11 pesos
  • Fee for balance inquiry at the ATMs of other banks  =  2 pesos
  • Withdrawal fee at MasterCard Cirrus and Visa Plus ATMs  =  US$ 3.50
  • Balance inquiry fee at MasterCard Cirrus and Visa Plus ATMs  =  US$ 1.00
  • Denied Transaction at MasterCard Cirrus and Visa Plus ATMs = US$ 1.00
  • Fee for not maintaining the average daily balance  =  200 pesos
  • Maintaining balance for peso ATM accounts  =  2,000 pesos
  • Maintaining balance for peso passbook accounts with or without ATMs  =  5,000 pesos
  • Maintaining balance for SSS Pension accounts  =  100 pesos
  • You can make a checkbook request via BDO ATMs.  It’s free.
  • When you open a new account, you need to:
  • - be physically present at the bank  (not representative, not even family member)
    - bring at least two valid IDs  (original and clear photocopies)
    - bring a recent 1 x 1 photo

Based on personal experience:

At BDO branches inside SM Malls, you can deposit to BDO Cash Cards only up to 6 pm.

-  If you’re depositing to more than one BDO Cash cards, you pay 25 pesos for the second deposit. If you don’t like to pay, fall in line again to deposit to the second Cash card.

-  You’re not allowed to deposit to a BDO payroll cash card over-the-counter. The teller said it’s because it’s a company-issued cash card. This means you can no longer use the card for your own personal use if you leave your company. (Siempre that means bumili ka raw ng bago para sa sarili mo.)

But I checked if I can deposit to my payroll cash card online, and it worked. (Hope hindi nila i-disable ito. We find ways, di ba sabi ninyo, BDO?)

-  If your account is ATM-based (walang passbook), you pay 100 pesos if you withdraw at the counter.  Pero kapag nakawidro ka na ng 50K sa ATM, and you need some more, at marami ka pang pera, you can withdraw over the counter for free.

From the BDO website:

BDO account numbers have been changed from 10 digits to 12 digits. But don’t worry, you don’t need to do anything about your accounts; BDO will make the needed changes in your records. You can still use your 10-digit numbers, but you’re encouraged to begin using the 12-digit when you’re depositing, although not yet required.

For peso savings and checking accounts: 00 is added before the 10-digit number.
For US dollar savings accounts: 10 is added before the 10-digit number.
For third-currency savings accounts: 30 is added before the 10-digit number.

Related Articles:

BDO Kabayan Maintaining Balance
BPI, BDO, or Metrobank Fees — Why Keep Paying Them?
Savings Accounts in the Philippines with the Lowest Maintaining Balances
BDO Remittance from Australia — Money Transfer to the Philippines



241 Responses to “BDO Bank Rules — Banco de Oro Updates, Reminders”

  1. aprul on February 10th, 2013 5:01 am

    Hi ask ko lang pi. I havr BDO debit card payroll issued by the company im working for. Na withdraw ko lahat ng money kasi hndi ko alam may maintaining balance na 100 pala dapat fresh grad kasi ako. Closed na baya yung acct ko?

  2. Nors on February 10th, 2013 7:24 am

    Hi aprul, hindi pa closed ang account mo. Puedeng zero balance, unless merong instruction ang employer ninyo. Ang alam ko all payroll accounts ay walang maintaining balance requirement, kasi yong company ay merong source account sa bank at sila ang merong malaking maintaining balance requirement.

  3. Nikko on February 14th, 2013 8:05 am

    What should I do if the atm says “YOUR CARD IS INVALID”. The machine seemed to have had a glitch because the icons took a long time to appear. thanks

  4. Nors on February 14th, 2013 8:52 pm

    Hi Nikko, whenever you see any sign that an Atm machine is not in order, quickly get back your card and look for another machine. It takes a long time to retrieve your atm, if it’s captured. If your card is still deemed invalid after using other machines, then your card could have been demagnetized. You go to your branch for replacement.

  5. arco on February 17th, 2013 10:14 pm

    Magandang araw po. ofw ako sa jeddah, nagtransfer ako ng pera from saudi bank to philippine bank, ang conversion nya rial-dollar. nung chineck ko sa internet ndi pala supported ng banko ang inter currency bank transfer. wala pong dollar account ang misis ko sa pinas. ano po ba pwede mangyari sa perang pinadala ko…please paki advise naman.

  6. Nors on February 18th, 2013 5:47 am

    Arco, do you mean you sent money to a peso account? If yes, your dollars will be converted into pesos and then credited to your account. Any foreign currency deposited from abroad to a peso account is automatically converted into pesos before it is credited to the peso account.
    If you like your wife to receive your remittance in dollars, ask her to open a dollar account. BDO Kabayan dollar account requires only $100 to open, and there’s no maintaining balance requirement.

  7. arco on February 18th, 2013 4:42 pm

    Thanks so much Ms Nors. I usually do my remittance thru quickpay going to my wife’s bdo peso account. And I can immediately check the conversion amount at quickpay, thats in peso already.
    And so I guess it is very useful if she will open a dollar account so it will not be confusing.

  8. Aileene on February 22nd, 2013 2:51 pm

    Badday! a really bad day! na’scam po ako ako worth of 5k.! and i’m now and really want to check the account number of tis person Christian Espino 5299 6703 0597 8102. i need the address so need ko pio ng help niyo para makuha ko ung addrees ng manloloko na yan! pinag’hirapan ko ung pera! at hindi madaling kumita ng pera! bumili po kc ako saknya ng phone worth of 5k, then sabi niya pra sa pag’pay ko ihulog ko nlang daw sa bdo through deposit. so ako naman! nagmadali akong nagbayad kasi akala ko ipapadala na niya agad ung order ko sknyang phone! ayun na nga then suddenly kinabukasan hindi na niya sinasagot txts at tawag ko. so scammer yn lalaking yan! so please help me guys! para matigilan na rin ang kalokohan ng taong yan!!!

  9. Nors on February 22nd, 2013 8:12 pm

    Hi Aileene, that’s a 16-digit no., so it must be a cash card. It’s easy to open a cash card for scam purposes. They can use fake IDs and write a false address when opening a cash card. Besides, BDO does not give out the addresses of its customers because of confidentiality laws.
    Research online if you can see the same name and if there are other victims of the same person. There have been several cases like yours on forums. This is a hard lesson for you.

  10. Angel on February 28th, 2013 10:56 am

    hi! just wanna ask if i can check my balance on my bdo atm cash card(payroll) thru internet online inquiry? thanks

  11. Nors on March 1st, 2013 3:34 pm

    Hi Angel, you can check your cash card if you have enrolled it in Internet banking, but you can enroll in BDO internet banking only if you have a savings/checking account. After enrolling your savings account, you enroll and link your cash card to your savings account.

  12. vanessa on March 2nd, 2013 11:56 am

    Hi poh..

    Ask ko lang regarding checking accounts..

    March 1, 2013 poh 5pm siya naipasok sa bank.. Unfortunately, yung dapat ipopondo ko sa cheke eh nag negative.. i mean, di ko nakuha kase wala parin pondo yung kukuhanan ko..3 days clearing daw pa poh un.. kasama poh ba ang saturday at sunday sa clearing? If i fail to fund the check, magkanu poh ang penalty? Hindi poh ba ma ko close account yung checking account ko?

    please help..

  13. Nors on March 2nd, 2013 10:30 pm

    Hi vanessa, are you talking about 2 checks? Did you mean you issued a check that was deposited at 5 pm Friday? And that you’re also waiting for another check to get cleared?
    Saturday and Sunday are not counted for clearing, but they’re counted for penalty computation if penalties are imposed. If both the checks were deposited in the last hours of Friday, both will clear on Wed. But for the check you issued, you should fund this check on the first banking minutes on Monday so it will not be returned. You will be penalized for about 2k or more if your check is returned. Your account will be closed if the balance is less than the amount of penalty.

  14. Kai on March 4th, 2013 5:20 pm

    hi, my BDO ATM account (non-passbook) went zero balance last friday (i forgot to transfer funds from another account and just found out about it today when i logged on via BDO internet ). is it automatically closed or can i still deposit to reactivate? TIA!

  15. Nors on March 5th, 2013 7:38 am

    Hi Kai, did you mean zero? Not even cents were left? With most banks, as long as there’s still cents and it’s not yet the end of the month, they’ll not immediately close the account. I’m not so sure about BDO, but you can try transferring to it; if it’s already closed, then it will not accept your transfer. If it’s still active, it will accept the transfer. Make sure your account does not fall below the 2k maintaining balance for 2 consecutive months.

  16. Carlo on March 11th, 2013 3:53 pm

    Hi, I have a BDO Mastercard (credit card), I want to pay my bills but I am now in Abu Dhabi,UAE. How can I pay my bills here in Abu Dhabi?

  17. Nors on March 12th, 2013 7:54 am

    Hi Carlo, you can pay your card at any BDO remittance partner there with Kabayan Bills Bayad system. Here’s the list:
    But not all have Bills Bayad. Just ask them. These have Bills Bayad: Ahalia, Al Bader, Alfalah, National Exchange, Habib, etc.

  18. Markus on March 13th, 2013 10:28 pm

    Hi, i have a BDO credit card for a couple of years already while i was working abroad. but then i lost my job and i wasn’t able to pay the balance for more than a year. then i think it was deactivated and the matter was sent to their legal dept…. now i have a job again abroad and i would like to settle my credit card bill even if it already gained interest. is it still possible to settle the bill and have my card activated again? because i’m sure it would be hard for me to apply for another credit card with bdo. thanks!

  19. Nors on March 14th, 2013 1:03 pm

    Hi Markus, I’m not sure if they will reactivate your card; perhaps you can ask as you negotiate with them. I suggest you ask for a discount from their legal dept. I think they prefer getting back their money than nothing at all. About your card, you can get a secured card from other banks later on; just make a big deposit with them.

  20. Tintin Belo on March 14th, 2013 10:01 pm

    Ask ko po kung magkano po ang penalty kapag di agad nakabayad.Kase po ganito yun-Bumili kami ng laptop gamit ang card ng sister ko,binabayaran ko ng monthly sa bdo.Last bayarin ko na lang ngaun March 12,2013(matatapos na ung pagpaid sa laptop)..Tapos nakalimutan ko bayaran. 1,680 pesos na lang ang babayaran ko pero nakalimutan ko magbayad..Magkano po ung penalty charge?paano po procedure?
    Pls.pls po paki answer..

  21. Tintin Belo on March 14th, 2013 10:08 pm

    Tintin Belo po uli to..Ung card po is Citibank card gamit ng sister ko..

  22. jhonna on March 14th, 2013 11:15 pm

    hi po ask lang kaka open account ko lang po sa bdo atm with passbook then after ko po makuha ung atm ko nag withdraw po kaagad ako ng 3000.00 magkano po kaya ung charge at kelangan ba kapag nag withdraw ka or nag deposit ka ehh kelangan ma record sa passbook ??

  23. Nors on March 15th, 2013 10:03 am

    Hi Tintin, pay now or asap. The penalty depends on how much your sister paid her own dues. If your sister was able to pay the minimum due on March 12, there’s no penalty. But if she did not because she’s expecting your payment, you’ll pay the late penalty charge of 300 pesos or 5% of unpaid dues, whichever is higher. So you’ll pay 300 because 5% of 1680 is only 84. You can pay 1680 now and then be ready with your 300 after talking with your sister.

  24. Nors on March 15th, 2013 11:03 am

    Hi jhonna, no, you don’t need to update your passbook everytime. You can update once every month or 2 or 3 months, depending on the frequency of your transactions. Yes, you need to deposit 3k to maintain your 5k balance.

  25. jehan el-abadla on March 15th, 2013 1:59 pm

    Gud pm,ask ko po kung pwede ko po mawithdraw yung dineposit ko sa bdo na nka time deposit kahit hindi pa expire yung term.kasi po july pa po yung agreement kaso kailanganin ko pala ng pera ngayon.mapepenalty po ba ako?jan 23 ko po dineposit at suppose july ko pa sya makuha.

  26. Nors on March 15th, 2013 9:34 pm

    Hi jehan, yes, you can withdraw it earlier than maturity date. The interest rate will be reduced.

  27. leonard aldrin on March 19th, 2013 12:45 pm

    tanung ko lang po, magkano po ba ang charge/s ng BOUNCED CHECK? at pano po malalaman un ng may ari ng account at ng payee kung di nga nag good ung ini issue na check? thanks.

  28. Nors on March 19th, 2013 4:23 pm

    Hi leonard, usually it’s 2k to 3k per check plus a daily charge if it was deposited on a Friday. I think now some banks charge 4k. The payee comes to know the check is bad if it does not clear on the 3rd day (same region) or 5th to 7th day (interregional). The issuer should know if his account is deficient to cover checks he issued. If he’s not responsible or if he unexpectedly ran into difficulties, his payee will tell him. His account will also be deducted the charges, or his account will be closed if it does not have enough balance to pay for the returned-check charges.

  29. Tintin del pilar on March 22nd, 2013 6:32 am

    Good day!mam/sir ita2nong q lng kc 1st time kpag b gamit mo ei atm debit card bdo may master card sya na logo ei pwede b mgamit pambyad hal. S mall kht wla png pondo..un kc atm n un ang bngay s asawa q ng bank bago sya ng abroad.tnx

  30. Carlo on March 22nd, 2013 10:10 am

    Good day. I just changed my pin yesterday evening for my new BDO ATM debit card. After changing the pin, I tried to inquire for my balance. Eventually, “invalid account” appeared on ATM screen. I am thinking that maybe the bank needs time updating their database. So I was not able to check my account yesterday. My question is when can I access my account?

  31. jeniffer on March 24th, 2013 12:19 am

    i have bdo kabayan savings account and i want to withdraw here in macau. how much is the charge if i withdraw 1000 pataca. the currency now is 1 pataca is 5.09 pesos. thank you

  32. Nors on March 24th, 2013 1:36 am

    Hi Tintin, sorry no, you cannot use it if there’s no money on the account. It is not a credit card. The Mastercard logo means that it can be used for Mastercard-affiliated stores or atms.

  33. Nors on March 24th, 2013 1:52 am

    Hi Carlo, yes, you’re right. You should be able to access your account today — 24 hours after your PIN change.

  34. Nors on March 24th, 2013 3:21 am

    Hi jeniffer, 3.50 in US dollars per withdrawal. Your atm card should have the Mastercard logo and withdraw in a machine that has the Mastercard logo. Sometimes, the Mastercard-BDO connection does not work.

  35. Humberto C. Lim Jr. on March 24th, 2013 7:19 am

    How many times can you redeposit a returned check amounting to P200,000.00.

  36. Humberto C. Lim Jr. on March 24th, 2013 7:26 am

    Can your bank maintain a checking account of a depositor despite the dishonor of 11 checks amounting to P200,000.00. each per month

  37. Adichbanks on March 24th, 2013 12:26 pm

    just want to ask kung my limit po ba in how
    many months or maexpired ba yung bdo cash card na sm payroll kung wala na ko sa company kahit my laman pa yon?

  38. Nors on March 24th, 2013 1:13 pm

    Hi Humberto, I think you cannot redeposit a returned check because this check already has bank marks on it showing that it’s already returned.

  39. Nors on March 24th, 2013 1:17 pm

    Hi Humberto, I think most banks do not close a checking account with many returned checks as long as the account owner has enough balance on the account to pay for the returned-check penalties and that the owner is able to maintain the required account balance. But I’m not connected with BDO, so please call BDO.

  40. Nors on March 24th, 2013 1:22 pm

    Hi Adichbanks, I think it has no expiration date, unless it’s the company’s policy to cancel the cash cards of separated employees. I suggest you withdraw your money and open your own cash card — anyway most payroll cash card have deposit restrictions — only the company can make deposits into the card via electronic transfer.

  41. Nors on March 25th, 2013 10:20 pm

    Hi Adichbanks, I think it does not expire, as long as your former company does not cancel your card, and as long as you do a transaction at least once in 6 months. But I suggest that you withdraw your money from this payroll account and open your own cash card, because most payroll cash cards have deposit restrictions.

  42. rhea on March 31st, 2013 12:05 pm

    hi good afternoon.. can i withdraw using my bdo passbook sa mga non bdo banks? thankyou so much ,..

  43. stephanie tizon on March 31st, 2013 1:05 pm

    hi Good Morning..
    Please help me po..ka oopen ko lang po ng BDO kabayan Dollar Savings Account, and nag deposit po ako ng 100$ as initial deposit..gusto ko po sana i withdraw ngayon through atm card ung kahit 50$ ko..coz emergency po kz, but everytime po na nag wiwithdraw ako, hindi po ako mkapag withdraw sa atm..pls help me, whats steps i will do, to withdraw it, kasi po need po talaga. ang pag kaka alam ko po pwede iyung i withdraw through atm. like my cousin.
    thank you.waiting for your response.

  44. Nors on March 31st, 2013 9:56 pm

    Hi rhea, sorry, no, you cannot. Use your atm card, or withdraw at BDO, preferably at your BDO branch.

  45. Nors on March 31st, 2013 10:04 pm

    Hi stephanie, what does the atm machine say? Have you just changed your PIN? Wait for 24 hours before transacting again. Does the atm say something about minimum amount? Withdraw in peso amount, not dollar amount, because the atm machines dispense peso bills. If still you can’t withdraw, withdraw over the counter.

  46. rhane on April 1st, 2013 7:12 am

    Hi There!

    Is there a deposit fee if I will deposit 700php to a BDO account in Isabela?

    Thank you.

  47. Nors on April 1st, 2013 8:01 am

    Hi rhane, are you in South Korea? Based on your IP address. You’ll pay the remittance fee. If you’re in another region in the Philippines, yes, there’s a BDO interregional deposit fee — I hope it’s still 50 pesos.

  48. rhane on April 1st, 2013 9:03 am

    i’m in the phil now…ok thank u…50php is fine…

  49. Yvonne Tabacon Intong on April 3rd, 2013 1:09 am

    A.T.M.captured at machine in Dubai Mall!March 28 2013 Hi! im Yvonne gusto ko pong ipa block ang atm card ko! paano po i need a quick and emmediate response.

  50. Nors on April 3rd, 2013 4:31 am

    Hi Yvonne, you should call BDO — (Intl. Access Code) +800-8-6318000 — or write your concern here:
    By the way, if your atm PIN is hard to guess, then any person who gets hold of your atm wil have a hard time guessing your PIN.

  51. den on April 3rd, 2013 11:25 am

    hi…ask ko lang if pwede ba magdeposit ng up to 150k in a day sa bdo atm debit card?

  52. den on April 3rd, 2013 11:26 am

    i mean mag withdraw

  53. Nors on April 3rd, 2013 6:34 pm

    Hi den, yes, but BDO’s rule for atm-based accounts is not practical — they require you to withdraw 50k at the ATM (because 50k is the maximum daily atm withdrawal limit) and then withdraw 100k over the counter. You can withdraw 150k at one time over the counter, but pay 100 pesos — their reason is your account is atm-based. But I’m not sure if this is still their policy this year.
    For other banks — you can withdraw the whole amount over the counter, if the amount is more than the maximum daily atm withdrawal limit.

  54. Bien on April 4th, 2013 8:38 pm

    Hi , ask ko lang po kung icclose ko po ung account ko ngayon , may charge po ba kasi last Feb 9 ko lang po siya inopen ? Thanks .

  55. Nors on April 4th, 2013 10:16 pm

    Hi Bien, no, there’s no more charge for closure since it’s already more than 30 days since Feb 9.

  56. lhen on April 5th, 2013 11:51 am

    hello po! itatanong ko lang po kung expire naba ang bdo atm debit card ko kasi nung july 2009 ako nag open 1 yr ko lang po ngamit.. bale 3 yrs ko na po d nagagamit,tenetesting ko po mag balance inquiry lumalabas pa rin naman ung bal. kaso 1 peso nlng po yung laman nun.ok parin kayang gamit ang account ko? may nkalagay na valid thru 12/ po thank you!!

  57. Anne on April 5th, 2013 10:36 pm

    Hi , I just want to ask if your balance becomes 0 because of Fees and Charges, what will happen to your account.? For example your account balance is 4006 pesos and you withdraw 4000 pesos in other atm machine then you will be charge 11 pesos and your balance will become -5 , what will happen to your account ? Thanks

  58. yanyan on April 5th, 2013 10:50 pm

    magandang gabi po.
    nag check po ako ng bal.inquiry,kaso my account was been closed.pwede ko pa ma open ulit yun,kasi diko po na maintain ung remaining bal.nya,magkano po kaya ang magiging charge nun para ma open ulit
    salamat po

  59. Nors on April 5th, 2013 11:11 pm

    Hi lhen, is this the one with the 2k maintaining balance? If it is, I suggest you just open another type of account. I think if you reactivate this old card, you’re going to pay below-maintaining-balance penalties. I’m just puzzled why it’s not yet closed. Is this a payroll account?

  60. Nors on April 6th, 2013 7:51 am

    Hi yanyan, in certain cases, BDO reactivates an account if it just closed, but you have to pay 300 pesos or 600 pesos for the 1 or 2 months your account fell below the required balance. I suggest you open a BPI Easy Saver — this does not require a maintaining balance, although it charges 5 pesos for every atm withdrawal and balance inquiry. Paying 5 pesos I think is better than paying 300 pesos; just plan your atm withdrawals. BPI Easy Saver

  61. Nors on April 6th, 2013 8:05 am

    Hi Anne, I think the non-BDO atm will not dispense your 4k; it will tell you “account is insufficient” so you will need to enter 3900 pesos.
    If your account balance turns zero or negative, it will either be put on hold or be closed. If it’s difficult maintaining the required balance, you can open a BPI Saver account — it does not require a maintaining balance, but it has an atm withdrawal fee of 5 pesos at BPI atms and higher at other atms. Info on BPI Easy Saver

  62. arlene on April 6th, 2013 2:27 pm

    can i enroll my bdo passbook account with atm on online banking?

  63. Nors on April 6th, 2013 4:52 pm

    Hi arlene, yes, you can enroll that account. Make sure that it has a balance, so it would be approved more easily.

  64. Nica on April 7th, 2013 12:56 am

    Hi po. Na-blocked yung ATM card ko earlier because of 3 failed attempts ng PIN code. Do I need to inform the bank to have it unblocked or it will automatically unblocked itself after some time? Thank you!

  65. Nors on April 7th, 2013 8:40 am

    Hi Nica, is this a BDO atm card? Yes, it will reset and be unblocked after 24 hours.

  66. Nica on April 7th, 2013 11:32 am

    Hi, yes it is a BDO ATM card (payroll). Is there any difference if it’s a payroll one or a personal atm card?

  67. Nica on April 7th, 2013 11:43 am

    It is a BDO ATM Debit card (payroll).

  68. Anne on April 7th, 2013 1:58 pm

    Hi, is there a maximun balance inquiry per day at BDO ATM machines? Thanks

  69. Anne on April 7th, 2013 2:11 pm

    And what will happen if your account will put on Hold?

  70. Nors on April 7th, 2013 5:28 pm

    Hi Nica, no, with regards to PIN reset, it’s the same whether it’s personal or payroll. I just asked if it’s a BDO atm card because other bank cards have different rules.

  71. Nors on April 7th, 2013 6:22 pm

    Hi Anne, BDO set a maximum number for atm withdrawals, which is 5 atm withdrawals per day, and maybe this is also the limit for balance inquiry, but I’m not sure it there’s a limit for atm balance inquiry. If your account is put on hold, you cannot withdraw or deposit, you need to go to your branch and ask why.

  72. jenalyn urlanda on April 7th, 2013 11:25 pm

    hi…ask ko lang sana kung mabilis lang mag encash ng checke sa accepted po ba ang tin id at philhealth if ever? tnx..

  73. Nors on April 8th, 2013 7:11 am

    Hi jenalyn, yes, encashing is easy, as long as the check is good (there’s enough money in the issuer’s account), you are the payee, you are encashing in the branch written on the check, and you have 2 valid IDs. TIN and Philhealth IDs are not expressly listed in the list of valid IDs, but the bank might consider. Bring a barangay certificate and another photo ID. A postal ID is a valid ID.

  74. Jem on April 8th, 2013 11:09 am

    Hi! i applied yesterday sa bdo ng savings account then my atm card will be released this coming sunday pa(1week), my question is can i already enroll this in online bdo banking? So i can check online my maint. balance?

  75. Lei on April 8th, 2013 6:02 pm

    Hi! I just wanna ask about our corporate bdo account’s account number, I am planning to enroll it to my other account kasi for online banking purpose. The corporate account number has only 9 digits, but they’re asking for 12 digits .. please help. (it’s for peso savings po)

  76. Ruby Rose B. Ancheta on April 8th, 2013 10:20 pm

    Good day. I just changed my pin yesterday for my new BDO ATM debit card. After changing the pin, I tried to inquire for my balance. Eventually, “invalid account” appeared on ATM screen. I am thinking that maybe the bank needs time updating their database. So I was not able to check my account yesterday. My question is when can I access my account?

  77. Ruby Rose B. Ancheta on April 8th, 2013 10:34 pm

    Helo po ask kulang po mag kano po ang bayad kapag yung taong magpapadala sakin ay galing South Korea? pwede ku rin po ba gamitin ung BDO Debit Card ko para makaricieve ng Money from Korea ?

  78. Nors on April 9th, 2013 10:37 am

    Hi Jem, yes, but you cannot check immediately your account online because you need to validate your online banking enrollment at a BDO atm machine using your atm card

  79. Nors on April 9th, 2013 11:15 am

    Hi Lei, sorry, you have to ask your company for the complete account no. I know only the additional prefix of 00 for personal peso accounts.

  80. Nors on April 9th, 2013 11:38 am

    Hi Ruby, yes, you’re right, your atm card should be ready for balance inquiry after 24 hours. Yes, you atm debit card can receive remittance from South Korea. The remittance fee will be paid by your sender in Korea; the rate depends on the remittance company used.

  81. Patrick on April 10th, 2013 10:18 am

    Hello, is there any way that i can see through the withdraw/deposit logs of my BDO savings card? (eg. march 30 – deposit 2000 pesos, april 2 – withdraw 1000 pesos, etc etc). Thanks

  82. Nors on April 10th, 2013 10:31 am

    Hi Patrick, you can see your transactions online only if you’re enrolled in BDO Internet banking. Go to and enroll in BDO’s internet banking. You will be instructed to activate your enrollment at a BDO atm machine.

  83. Jem on April 10th, 2013 12:55 pm

    Hi! thanks for the reply! Another thing pa po, pwede na po ba ako magwithdraw kahit wala pa po yung atm card ko? over the counter po ang ggawin ko? Sunday ko pa daw po ksi makukuha. Or kung makuha ko po sya this sunday, pwede ko na po ba sya gamitin/magwithdraw immediately?

  84. Nors on April 10th, 2013 10:40 pm

    Hi Jem, after getting your atm card, you have to enter your PIN and wait for 24 hours before it can be used for withdrawal. Yes, you can withdraw over the counter, but you’ll pay 100 pesos if this is an atm-based account (meaning there’s no passbook). I don’t know if they consider your reason that you don’t have yet your atm card.

  85. Patrick on April 11th, 2013 9:04 am

    Hello Nors, thanks for the reply. I’ve entered the activation code provided by the website using . How long will it take for the validation process? Because I’ve recently checked my online account and the status is still on pending. Thanks

  86. Nors on April 11th, 2013 11:12 am

    Hi Patrick, sometimes it takes a week. Just check everyday. Make sure your balance is above the maintaining balance requirement.

  87. Aiza on April 11th, 2013 11:45 am

    Good day! I would like to ask regarding on my Peso Savings account (With ATM & Passbook). My account is already closed because it is below maintaining balance. How can I update my account? what is the requirements and how many charges should I pay. Thank you and hoping for your response.

  88. Nors on April 12th, 2013 4:21 am

    Hi Aiza, I don’t know if BDO are reactivating closed accounts. But go to your branch and ask. You might be required to pay 300 pesos for each month your account did not maintain the 5k daily average. If it’s been several months, it’s better that you open another account.

  89. Patrick on April 12th, 2013 8:36 am

    Hi Nors, I’m now able to access my account using online banking but it doesn’t show any information (eg. available balance, previous transactions, etc) is this a problem on my end or will I still wait for it to become in-sync with the bank’s database?

  90. Nors on April 12th, 2013 7:46 pm

    Hi Patrick, can you already see your account no. under Savings and Checking Accounts? But there’s no balance yet? If yes, you must be right — that your online account is not yet fully activated. Wait a while. best regards

  91. floyd michael vergara on April 14th, 2013 1:23 am

    hi can i ask something….i got BDO ATM Debit Card… can i use this to purchase through the internet like in the google playstore for my tablet…i already registered in the BDO Online Banking but not activated yet on the atm booth…so… the website…it ask infos on me…and one thing…there is the EXPIRATION DATE and the Security Code(CVC) …… where the heck i can find the expiration date of my card and the security code(cvc)????….please i barely need your help guys……thanks

  92. floyd michael vergara on April 14th, 2013 1:33 am

    infront of my ATM Debit Card….i only have 16digits under that is my name….and the last is the 4digits…at the back…there is no more code at all… how can i find the expiration and the security code(cvc) on my BDO Atm Debit Card???… is my contact number…please respond to my message 09357622658

  93. Nors on April 14th, 2013 6:48 am

    Hi floyd, sorry, the BDO atm debit card cannot be used for online purchases or online payments. For online purposes, you can get this BPI ePrepaid Mastercard
    BPI Mastercard Prepaid Card or Smart Money card

  94. floyd michael vergara on April 14th, 2013 12:44 pm

    but someone tells me that i can apply this on paypal…..and they also uses this by paying their bills like meralco and maynilad… how can you say that its not possible??….

  95. Nors on April 14th, 2013 7:07 pm

    Hi floyd, you can attach this BDO atm savings account to Paypal so you can transfer money from Paypal to this account, but you cannot use it to transfer money from this account to Paypal for online purchases. You can use a BDO savings account to pay Meralco and Maynilad online if you enroll your account in BDO Internet banking, and then enroll Meralco and Maynilad in your Internet account.
    I suggest you ask specific instructions from that someone… so you can use your atm like how he/she’s using it.

  96. mei on April 15th, 2013 8:56 pm

    Hi can i go to bdo and deposit my pagibig check directly to my bdo savings account?

  97. Nors on April 16th, 2013 1:42 am

    Hi mei, yes, you can. Fill up the check deposit slip.

  98. She on April 23rd, 2013 8:47 am

    I just want to ask if I can deposit my SSS salary loan check to my bdo account(atm)?if possible what is the best time to deposit it?thanks

  99. Nors on April 23rd, 2013 11:06 pm

    Hi She, yes, you can deposit your loan check to your atm savings account, preferably during or before lunchtime.

  100. gotrice on April 24th, 2013 2:48 am

    I have a large balance within my corporate BDO account and would like to know what the maximum amount in cash i can withdraw from inside my bank would be, I am splitting my account into three equal amounts and one of the banking institutions (private bank) i will be using do not offer EFT from BDO accounts. It is a rather urgent matter that i need to address as soon as possible. I had an unfortunate experience with one of my other accounts and lost a lot of money.

  101. Nors on April 24th, 2013 8:45 am

    Hi gotrice, are you the sole signatory of this account? Is this your own company? If yes, I think you can withdraw as much as you can, since this company is your solely your own.
    But if not and there are other owners, a significant amount of withdrawal, specially in cash and not through manager’s checks, or corporate checks, and specially if this is not the corporate practice, would trigger certain security actions by the bank officers.

  102. gotrice on April 24th, 2013 1:46 pm

    Thanks Nors, the account is mine, sole signatory, i simply need to secure my financial future and don’t want to risk keeping all my eggs in one basket again! Thanks again…

  103. Dex Enriquez on April 25th, 2013 8:35 pm

    Hi. Can I make an over the counter cash withdrawal at any bdo branch? I have a atm passbook savings account in marikina but need to withdraw cash on saturday. Only SM malls have BDO open on weekends. Thank you.

  104. Nors on April 25th, 2013 9:30 pm

    Hi Dex, yes, you should be able to withdraw over the counter at any BDO branch. But according to some people commenting here, there are BDO branches that do not accept interbranch over-the-counter withdrawal. But you have an atm card, so you can withdraw from the machine in case you can’t withdraw OTC.

  105. Reyminio m bancud on May 1st, 2013 6:15 am

    hi goodam this is reyminio bancud.. yesterday april 30,2013 i was about to withdraw with my bdo cashcard here at bdo atm 2nd floor market market.when i was about to get my card i accidentally pushed it back again and unfortunately the machine showed its temporarily out of service.. and i never get the chance to get it back.. i already called the hotline number and the rep advised me to go to my bank branch to pay for replacement fee and how long will it take for me to have it back??

  106. Reyminio m bancud on May 1st, 2013 6:17 am

    also i asked for the rep to block my cash card for me to secure the amount of money i have in my bdo cash card..pls do response asap thanks

  107. Nors on May 1st, 2013 6:38 am

    Hi Reyminio, you can get your new cash card immediately if you have the 10k-balance-limit (the one with no name on the card). If you have the 25k-balance-limit card, with your name on the card, you have to return to get it, usually after 3 days to a week. I think your cash card money is safe — in the remote chance that your card gets to the wrong hands, it would be very difficult to guess your PIN.

  108. miiik on May 3rd, 2013 9:57 pm

    What if I am and have an and/or passbook? Can I still withdraw money amounting to 40k? I lost my ATM card, btw. :)

  109. Nors on May 3rd, 2013 11:49 pm

    Hi miiik, yes, you can always withdraw using your passbook because your account is with a passbook. If you like, you can request for a card replacement.

  110. Nolly Ryan Mercado on May 7th, 2013 8:15 am

    Hi Nors,
    I do have a kabayan dollar savings account. I would just like to ask if i can withdraw over the counter in dollar currency also?

    Many thanks.

  111. M on May 7th, 2013 10:46 pm

    What if I have a passbook but then there is an unknown transaction made by someone? I knew it when I was about to withdraw over-the-counter. The record was torn so I wasn’t able to see it. How can I trace it? I guess that was an interbranch transaction.

  112. Nors on May 8th, 2013 12:56 pm

    Hi Nolly, yes, you will always withdraw in dollars because your account is a dollar account. But the teller will always ask you “gusto nio ba peso or dollar?” or “papalitan na ba natin sa peso?” Tell them “dollar” with a smile.

  113. Kris on May 11th, 2013 11:36 am

    Hi. If I deposit an american check to a bdo dollar account, how many days clearing nya? Thank you!

  114. Nors on May 11th, 2013 8:19 pm

    Hi Kris, based on what people are saying at online forums, it takes about a month for foreign checks to clear.

  115. Mary Grace Borja on May 13th, 2013 10:57 am

    how ca i sync my auto debit card to google wallet since i want to buy application on play store but unfortunately i dont have a credit card.

  116. Nors on May 13th, 2013 6:45 pm

    Hi Mary Grace, get a debit card that can be used to purchase online — BPI prepaid Mastercard, Union Eon Visa card, Smart Money card for online transactions or PSBank Mastercard prepaid card.

  117. Adich on May 16th, 2013 6:39 pm

    I just lost my payroll cash card and i reported to block it. Ang problema resigned na ko matagal na sa company na yon at wala na ko connection to that company anymore.. How can i get my funds out of my cash card that is now blocked? And how can i check for the balance? even i did not registered that acct on online banking before (

  118. cyrus on May 16th, 2013 7:35 pm

    I have bdo atm debit card. It has more than 12 numbers on the card face. No expiry date too. Does not have mastercard or visa printed on it. I have this to use for payroll from a company. I want to use this for google market purchases as well.. any advises?

  119. Nors on May 16th, 2013 10:21 pm

    Hi Adich, I suggest you go to the branch where your payroll account was opened, and ask if you can purchase a replacement card for your payroll cash card account. Bring your IDs.

  120. Nors on May 16th, 2013 10:29 pm

    Hi cyrus, sorry but you cannot use that type of debit card to purchase goods online. It is not linked to any international payment system like Visa or MasterCard, and it does not have an expiry date and security code. You can get a Smart Money card or a Union Bank Eon Visa card or a BPI Mastercard prepaid card or a PSBank Mastercard prepaid card.

  121. Adich on May 17th, 2013 12:04 am

    Thanks nors im so busy right now for my new job..the thing is how can i check my balance on my blocked cash card? i just want to confirm if my funds hindi nabawasan on the time before i report and blocked it…

  122. Nors on May 17th, 2013 7:28 am

    Hi Adich, you can call BDO 631-8000 and ask for your balance amount. They’ll ask questions to verify your identity.

  123. Pearl on May 17th, 2013 4:46 pm

    Hi. I just had my first atm card here at BDO. I’m just wondering if where can I find the account number for my atm card. They only gave me the card, a paper with instructions on how to encode my PIN, and the paper they gave me last 2 weeks for getting the card now. The latter which is the paper has my name on it, the date I deposited the money for opening an account and how much is that and there’s a 10-digit number above my name. Is the 10-digit number my account number??

  124. Nors on May 17th, 2013 9:24 pm

    Hi Pearl, when you say paper, is it the tear-off portion of the deposit slip? If it is so, yes, the 10-digit number above your name is your BDO account number.

  125. Pearl on May 18th, 2013 12:16 pm

    Yes. Thank you! I have another question. Supposedly, I’ll be pinning my new PIN yesterday but we headed somewhere. Can I encode my new PIN on Monday instead of today since the ATM machine is on offline mode.

  126. Nors on May 18th, 2013 9:06 pm

    Hi Pearl, yes, I hope so. I think you are given several days to change your PIN. Sorry I don’t know the exact no. of days now.

  127. Allyssah on May 20th, 2013 11:55 pm

    Good day! What’s the maximum number of deposits you can do in (just) one day with same depositor but to different accounts; and proper way/steps on how to deposit money. Thanks and more power! :)

  128. randolf on May 21st, 2013 1:52 pm

    Hello, my sister entered the wrong pin for 3 times yesterday @ 5pm and now it is blocked (BDO ATM KABAYAN SAVINGS), do i need to go to the bank or it will automatically unblocked? thanks.

  129. Nors on May 21st, 2013 5:13 pm

    Hi randolf, yes, after 24 hours, you should be able to use your atm card again.

  130. Nors on May 22nd, 2013 3:06 am

    Hi Allyssah, I think the limit is per transaction over the counter, and not per day. If per day, how would they count per day from the same depositor? This is possible only if the depositor is depositing to his own different accounts (depositor has many BDO accounts). Do you mean depositing to accounts of other persons? The last time I made a BDO transaction, BDO tellers accept over-the-counter deposits of only up to 2 different accounts of other persons per transaction. If you want to deposit to the accounts of more persons, pipila ka ulit, or you go to other branches. I think BDO does this to force employers to open payroll accounts. If you like other ways to do deposits to other persons’ accounts, you can explore the online funds transfers of Union Bank Eon or

  131. Hiryu27 on May 25th, 2013 2:44 pm

    Hi! I have BDO debit card w/o passbook, just wanna what will happen if i will withdraw the half of the maintaining balance? ex: i do have 2k knowin that is the minimum maintaning balance then i’l withdraw the 1k. But im planing to deposit 2k cash again in less than a m0nth.. Will the BDO give me penalty for that? Tnx in advance!

  132. Nors on May 26th, 2013 6:12 am

    Hi Hiryu27, no penalty yet. Make sure the next month, you maintain 2k everyday, or deposit more than 2k so that your average daily balance for the month is not lower than 2k. Add your daily balance everyday for the months, then divide by 30 or 31 — that’s your average daily balance

  133. Junette on May 29th, 2013 6:16 pm

    Hi. Gusto ko lang po sana itanong kung meron po bang expiration date ang BDO Debit Card? Wala po kasing nakasulat sa card. Thanks po.

  134. Nors on May 29th, 2013 10:20 pm

    Hi Junette, the BDO debit card has no expiry date. Its life depends on your maintaining balance.

  135. Rig on June 1st, 2013 5:35 pm

    Hi Nors,

    Tanong lang po. Im based in Dubai, I have my BDO ATM card with me (Kabayan Savings) Mastercard. If I need to withdraw 150k, how can I do it? obviously nman wala branch BDO dito to withdraw over the counter. How much po allowed maximum money to withdraw? Thanks.

  136. Roy on June 1st, 2013 11:50 pm

    Hi. Nawala kasi ang atm ko kaya may nagsend sakin ng pera through my GF’s BDO Debit Card. Then kala ko bday nya ang pass at anniversary. Binago na nya pala because matagal ko na bago nagamit to. Ano dapat kong gawin? nasabi na nya ang pin nya ngayon at di ako makawithdraw?

  137. Nors on June 2nd, 2013 12:14 am

    Hi Rig, the maximum atm withdrawal amount for BDO is 50k pesos per day and 5 atm withdrawals per day. How much is 50k in AED? That would be your limit per day there. Atm machines also have their own maximum withdrawal limit per transaction. So you might have to withraw in 2 or more transactions. There’s also a charge of US$3.50 per atm withdrawal abroad. Note also that there have been people commenting here that sometimes they were not able to withdraw abroad, presumably at times that the BDO-Mastercard link is not working.

  138. Nors on June 2nd, 2013 12:18 am

    Hi Roy, do you mean your gf’s atm was blocked after 3 wrong PIN inputs? If yes, wait for 24 hours, then withdraw again. BDO resets every blocked PIN after 24 hours.

  139. Adich on June 7th, 2013 8:35 pm

    Can i transfer my blocked bdo cash card funds to my bpi account? How can i do that? Thanks

  140. Nors on June 8th, 2013 5:58 am

    Hi Adich, what do you mean by “blocked”? Is you atm card blocked because of 3 wrong PIN entries? Wait for 24 hours; your PIN will be reset. If blocked for other reasons, you go to your branch with your IDs and card and ask how you can unblock it. No, I think there’s no way you can directly transfer money from a BDO cash card to a BPI account. If these are Bancnet banks, then there could be a way. Wire transfers, demand drafts and managers checks are usually used in bank-to-bank transfers, but these have fees.

  141. Natalie on June 8th, 2013 9:21 am

    Hi, paano mag deposit ng cash sa BDO ATM DEBIT CARD? Kailangan ko kasi mag deposit sa account ng mama ko. Ang problema hindi ko siya ma-contact dahil nasa ibang bansa siya ngayon. Hindi ko alam ang account number. Pero nasa akin ang PIN niya. Pwede ba gamitin yung card number na lang para makapag-deposit?

  142. Adich on June 8th, 2013 11:17 pm

    I blocked it because i lost my card! im very busy right now and almost 1month.i dont know what to do how i can accesed my funds. im from laspinas and my bdo branch is at north edsa pa! actually a payroll cash card with my old employer and i dont have any connection with them i endo with them last year pa

  143. Nors on June 9th, 2013 11:43 pm

    Hi Natalie, no, you cannot deposit using the card number because your mother’s account is a savings account. You use card number if it’s a cash card. If you have the atm card, subukan mo lang baka puede — try asking the teller your mother’s account no. by filling up the cash deposit slip, presenting the debit card and then requesting the teller to find the account no.

  144. Nors on June 10th, 2013 12:04 am

    Hi Adich, in that case, the best thing to do is call BDO 631-8000. Most likely they will ask you to get a replacement card from your branch.

  145. jc rivera on June 14th, 2013 7:59 pm

    gud pm po, tanung ko lang po kung pwede ko bang gamitin ang BDO cashcard ko sa googgle playstore?. di kc ako makakuha ng credit card,

  146. Nors on June 15th, 2013 6:39 pm

    Hi jc, sorry, no you cannot. Puede kang kumuha ng Mastercard or Visa debit cards. Puede rin yong Smart Money card; sabihin mo yong puedeng pang-online payment. SMART MONEY

  147. tracy on June 26th, 2013 2:43 pm


    Medyo naguguluhan kasi ako. Pag nagdedeposit kami sa account namin savings (8 digits yun account number) pumapasok naman pero nung nag attempt yung friend ko na mag deposit ng money last year (nasa dubai sya) hindi tinaggap kasi 8 digits lang.dapat daw 10. Ano kya ang problema o dapat gawin?

  148. Brett on June 26th, 2013 11:38 pm

    Hi Nors

    I have recently made a huge error whilst transacting online through BDO. I over-payed on my US $ Credit card by a huge amount. When i enquired at my local branch i was told i would be unable to withdraw the over payment or to transfer the money back to it’s original account and that the only way i could access those funds would be to sped it using my credit card. My question to you is how can i access these funds as i am unable to leave it there, it is virtually all of my savings that are now in my credit card account and i cannot live solely on my credit card, not to mention that my business will also not be able to continue operating. If i was to cancel my credit card, would they then refund me my over payment? I hope that you can assist me in this regard as this i a serious situation i now find myself in and appreciate any advice you can offer. I find it hard to believe that they can legally keep my money from me.

  149. Brett on June 27th, 2013 10:33 am

    One more question, i have also got a regular BDO credit card (peso) and would like to know if it is possible to pay more than the exact amount in US$, i always tend to make small over-payments to allow myself peace of mind. I am no longer operating in pesos and now use purely US$ for my business and personal use, spending more time in the US then in PH. My wife uses my peso card whilst i am in the US and i need to pay it using $ but wish to overpay each month to ensure we have no problems. I believe there is also some way to enroll your peso card for dual currency, would this allow me to make larger over payments on my card?

  150. Nors on June 27th, 2013 1:02 pm

    Hi tracy, visit your branch and get your complete account number. Old account ba itong sa inyo? Kasi 10 digits ang standard account no. ng BDO, 12 digits kung isasama yong 00 for peso accounts. Ewan lang if the branch where you’re depositing has a 2-digit branch code, so okay na yong 8 digit. So ask your branch. Bring your IDs.

  151. tracy on June 27th, 2013 2:51 pm

    hi nors!

    oo old account nga. sa sm makati branch kami eh and tuwing nag ddeposit kami 8 yung nilalagay namin and ok naman.

  152. Nors on June 28th, 2013 8:22 am

    Hi Brett, I’m surprised that you cannot refund your money, as US credit cards are much more flexible than those issued here. I think you need to call your US credit card issuer immediately and ask. Perhaps the local branch has a different policy. There was one who commented here, a US credit card holder whose card was used in paying for a massage chair in a deceptive marketing scheme in a mall here in Manila, and this card holder was able to refund her money from her credit card issuer. I don’t know what your transaction was through BDO, so I can’t comment much, and I wonder how you overpaid your payee, but the rest of the money is still with the credit card…Does this mean the payee returned the money to the credit card voluntarily without being asked?
    This is just a quick idea, I think it’s viable, and you can help me think it over: Since your credit card is US-issued, and if your overpayment is with your credit card, you can use Paypal or Xoom to get your money back. Register with XOOM , and then use your credit card to send the overpayment to your Philippine account. My employer in the US uses her US credit card to pay my salary through XOOM. This also works with Paypal, you fund Paypal through your US credit card, and then withdraw your Paypal money into a Paypal-registered local bank account, but this takes about 3 to 5 days. XOOM transfer is within minutes.
    Hope you can comment again, if you have time.
    Additional info about Xoom: The money can be sent for cash pickup over the counter at BDO in US dollars (Go to remittance counter).

  153. Nors on June 28th, 2013 9:58 am

    Hi Brett, without consulting BDO and just based on my experience, I say that we can always make overpayments because we can always spend these overpayments later on. The outstanding balance will be negative, instead of the common balance which is positive, so that when computations are performed, the outstanding balance becomes an advance payment or additional payment for the next bill. It’s like paying credit card purchases in advance of the due date, or it’s like funding the credit card first before charging.
    About enrolling your peso credit card for dual currency? I’m not sure about this, but I’ve read in BDO FAQs that online transactions between peso to dollar accounts or vice versa are not yet allowed online. There are however BDO remittance partners abroad offering Kabayan Bills Bayad services. Or you can enroll your BDO peso savings account online, and then send your dollars to this peso account, and then use this peso account to pay your peso credit card (to be also enrolled).

  154. Brett on June 29th, 2013 3:17 am

    Thanks for the above responses, really appreciate your assistance. The error i made on my card (a BDO US$ credit card) issued here in the Philippines was when i transferred funds online to pay my card from my BDO US$ account (i have a few accounts here in PH all BDO) i accidentally added an extra zero, which as i am sure you can imagine turns $5000 into a rather large amount of money. I asked at the BDO branch here in Manila, they told me i could not access those funds in any other way and that i would have no choice but to spend it over time.

  155. Brett on June 29th, 2013 3:20 am

    Sorry, been very stressed out, hope i am coming across clearly, i did not over pay using my card, i over payed when transferring funds from another BDO account TO PAY for my credit card. It is those funds that they refuse to reimburse and i now have a huge problem.

  156. Nors on June 30th, 2013 9:38 pm

    Hi Brett, indeed, that’s a huge overpayment. I checked the rules on my Metrobank credit card statement, and they have the same overpayment policy — apply overpayment to succeeding purchases.
    How about checking your card’s cash advance policy, the maximum amount per transaction, charge per transaction, and interest rate, and see if it’s feasible in getting your money faster.

  157. weng on July 3rd, 2013 1:11 pm

    hello! i just wanna ask if pwede na ba mag withdraw ng pera using passbook, account kasi ako noong monday pa but they said that i can get my atm card one week after pa daw. yung remittance kasi ng papa ko ay dumating na at naipasok na sa account ko.

  158. Nors on July 3rd, 2013 10:30 pm

    Hi weng, yes, you can already withdraw your remittance using your passbook. Fill up the withdrawal slip.

  159. cj on July 13th, 2013 1:37 pm

    hi pwede ba magwithdraw sa bdo branch kahit di sya yung branch account ko? may charge po ba? same province, passbook account.

  160. Nors on July 13th, 2013 7:32 pm

    Hi cj, palagay ko merong charge kahit the same province, based on my sister’s experience. Use your atm at a BDO machine.

  161. sheila on July 14th, 2013 12:13 pm

    what should i do?,.nag withdraw ako Sa BDO Atm at BDO San Pablo Laguna near San Pablo Colleges Medical Center using my brother atm debit card mounted 25,000.000 pero ang lumabas lang amounted 6,500.00 walang withdrawal slip..before ang balance ko ay 28,767.93..matagal bago lumabas ung amount na 6,500.00..after noon nagbalance uli ako..3,767.93 na lng available balance ko…is it possible na makuha ko pa ung 18,500.00 kahit wala akong withdrawal slip..

  162. Nors on July 14th, 2013 2:00 pm

    Hi sheila, ask your brother to call BDO now, immediately, 631 8000 and inform them about your insufficient dispense of money from atm withdrawal. Dapat siya ang tatawag because it’s he who owns the account. Tell the time, location of atm, amounts, etc. Yes, makukuha pa yan, basta mag-apir na merong error yong machine. Mababalance nila ang pera sa machine. Ask for a reference number for your complaint or the name of the officer who responded to you. Hope you can share here later on what happened.

  163. april on August 1st, 2013 11:23 pm

    hi, i want to ask because i opened kabayan atm in bdo and then im here abroad now in jeddah, ksa with my passbook and atm, but then when i tried to beenrolled at this internet banking so i can check my account balance, message tells that it is pending and i need to send that pintable paper to any bdo branch, but its not possible because im here in jeddah and im always sending this money to that atm but its with me., how can i check my balance? help me pls :’(((

  164. Nors on August 2nd, 2013 11:55 am

    Hi april, does your atm card have a Mastercard logo? You can inquire at an atm machine there with a Mastercard logo, but make sure the machine is working before you try. Balance inquiry fee costs between 1 and 2 US dollars. There are times though that the BDO-Mastercard link is not working. If you want to pursue your Internet banking enrollment, print your acknowledgment page, sign it and send it to
    BDO Paseo – Gil Puyat Branch
    EBC Bldg., Paseo De Roxas corner Gil Puyat Ave.
    1200 Makati City

  165. Shy on August 3rd, 2013 11:20 am

    Hi! Would like to ask if I can use my kabayan savings atm card converted to peso savings to purchase online via paypal? there’s a need to attach a credit card/debit card on a paypal account so I can purchase online (eg. ebay). i think the old version of bdo atm cards have a mastercard logo on it. my kabayan savings atm card doesn’t. Help?

  166. Nors on August 3rd, 2013 3:14 pm

    Hi Shy, Kabayan cannot be used to fund Paypal, whether it’s linked to Mastercard or not.
    Get one of these so you can fund Paypal: Smart Money, BPI ePrepaid Mastercard prepaid card or Union Bank Eon Visa Debit Card

  167. Shy on August 3rd, 2013 10:51 pm

    My kabayan savings account was coverted to peso passbook savings but my atm card remained the same since it was only converted. bdo didn’t give me a new one. my aunt who’s in london kept on mentioning that she uses her bdo debit card to fund paypal to shop online.

  168. Shy on August 4th, 2013 1:31 am

    oh! i stand corrected. she said it was an hsbc atm card (not bdo)that she attached to her paypal. hahaha. i’m so sorry.

  169. Nors on August 4th, 2013 1:53 am

    Hi Shy, that’s ok. And thanks for coming back to correct it…I even googled if there was a UK bank named BDO :) .

  170. joyce on August 7th, 2013 12:53 pm

    hello po!!ask ko lng po kc po my kabayan savings account po ako kaso until now d ko pa po nahu2lugan,,over 1 year n 3 months na po,,expired na po b yun oh pwede p pong gmtn?,,tnx po

  171. Nors on August 7th, 2013 3:47 pm

    Hi joyce, I think your Kabayan is already closed. Try making an atm balance inquiry; if it’s still active, it could already have been converted into a regular passbook account that needs a 5k-maintaining balance, and you might be charged with below-maintaining-balance penalty if you deposit into it. Try to open another Kabayan account in another branch.

  172. Monica on August 8th, 2013 9:33 pm

    Hi! I have a question coz i made a mistake,
    Nag send po ako ng pera from here to london using PNB remittance, BDO un banko ng tao pinagpadalhan ko, what happened is yung account number is kulang ng isa BDo account number is 12 digit, right? Ang nahulugan ko po is 11 digits lang kinulang ng isa.. Ano po mangyari sa pera? Mabalik pa po ba sakin yun? Pls response..
    Many thanks..

  173. Nors on August 8th, 2013 11:15 pm

    Hi Monica, yes, sa iyo pa rin ang pera. You go back to PNB Remittance and amend your remittance to correct your recipient’s account number. Usually merong charge for correction.

  174. lovely joy tolentino on August 9th, 2013 10:31 am

    mam ask ko lng po po kung still active p din accnt ko sa kababayan savings ng remmitance po kc ko ng 10k sa peso..matagl na din po kse ung huli kong hulog kaya po itatanubg ko f active pa sya.
    salamat po.

  175. Nors on August 9th, 2013 11:18 am

    Hi lovely joy, icheck mo sa records mo yong huling remittance mo kung meron nang 1 year. After 1 year kasi, naco-convert into regular passbook, then pag wala pa ring remittance after a month, mako-closed na. Ask BDO

  176. Ana on August 14th, 2013 7:48 am

    Good morning ask ko lang po kung pedi ko na po bang iwidraw over the counter po ung $100 na nadeposit sa dollAr account ko po.. Kahapon lang po na deposit… Slamat po

  177. Nors on August 15th, 2013 4:29 am

    Hi Ana, yes, kung andon na sa account mo at na-credit na, puede nang iwidro over the counter.

  178. Dkkc on August 19th, 2013 7:22 pm

    Gud day, ask ko lng po kung may expiration and debit card sa bdo.?

  179. Nors on August 21st, 2013 7:47 pm

    Hi Dkkc, yong atm debit card ng atm savings account? Kung ito nga, no expiration. Basta name-maintain ang required maintaining balance at hindi mapabayaang walang deposit or withdrawal within 2 years.

  180. she on September 11th, 2013 6:45 pm

    Hi mam, i would like to ask if pwede ba cong makateceive ng transfer from US using my peso account. And how many days before co sya mawidraw..

  181. Nors on September 11th, 2013 11:49 pm

    Hi she, yes, your sender can remit to your peso account. Dollars will be converted into peso, and then deposited into your account. How many days? Within the hour, or the same day to 7 days or more, depending on the remittance company used. BDO Remittance partners in California, etc

  182. jetson on September 12th, 2013 11:46 am

    I just want to ask if it is possible to my friend to deposit money on my BDO payroll account,, I have with me the account number. Thank you

  183. jetson on September 12th, 2013 11:58 am

    is the 9 digit number the account number of my BDO payroll account? My friend is in Macau, would it be possible for him to deposit money to that account?

  184. Nors on September 13th, 2013 11:12 am

    Hi jetson, most payroll accounts accept only deposit from linked corporate accounts. Ask your HR. Or ask your friend to send you money for cash pickup at BDO, and not for deposit.

  185. Gweneth Villafranca on September 30th, 2013 1:13 am

    Hi I want to asked lang po nasa KSA po ako and gusto ko ipaactivate yung BDO Kabayan Saving ATM ko po. Ngaun uuwi po yung brother ko sa pinas, pwede po ba na sya ang mag activate ng ATM ko at bibigyan ko na lang po ng authorization letter at copy ng ID ko para po ma activate nya at mapalitan na po ng PIN. Hindi po kase ako makapag check the ATM hanggat di pa po napapalitan ng PIN sa pinas. Thank you po.

  186. Nors on September 30th, 2013 1:25 pm

    Hi Gweneth, was this Kabayan opened abroad? If yes, sori ang alam ko pag opened abroad, ili-link muna ang atm card sa account by going to the BDO Buendia-Paseo branch and then change the PIN. Ang alam ko in person ito. Sige ibigay mo lang ang docs mo sa brother mo and then your brother will call BDO and ask kung puedeng siya ang magpunta sa Buendia-Paseo branch with your authorization letter and IDs. Pero if this account was opened in the Philippines, puede niyang subukan palitan ang PIN no. at a BDO ATM kung puede pa, kasi ang alam ko meron ding deadline ang pag-change ng PIN from date of opening.

  187. bunsoy on October 8th, 2013 4:24 pm

    good day!
    ask ko lng ilan bang id ang hinihingi ng bdo kpag kukuha sa knila ng remmitance ung mga walang account sa knila..tnx

  188. Nors on October 10th, 2013 7:18 pm

    Hi bunsoy, ang alam ko, puede na kahit 1 ID lang basta valid id, kasi remittance naman ito, hindi naman account opening, lalo na kung meron namang reference no. ang remittance. Pero kung may iba pang ID, dalhin na rin.

  189. Moniqute on October 28th, 2013 10:38 am

    Hi last night when i was about to pay using my bdo cashcard the terminal said that i entered the wrong pin wherein i know that i entered the right pin only to find out that the terminal of their atm is broken and now i wasnt able to pay and withdraw bec i exceeded the number of pin tries max. What should i do?? Pleasee reply.. Thankss, will it still work?

  190. Nora on October 28th, 2013 1:00 pm

    Hi Monique, was your last atm transaction last night? Then try this afternoon, or this evening. BDO says it resets after 24 hours, but maybe it’s possible that it resets the following day, so maybe you don’t have to wait for 24 hours, as long as it’s the following day. I’m not sure, so check if you like.

  191. Monique on October 28th, 2013 2:42 pm

    Hi ths is monique again yup last night at 830pm. So after 24hrs i wil be able to withdraw using my bdo cash card using my same pin?? Thanks for the reply btw.

  192. Nora on October 28th, 2013 5:08 pm

    Hi Monique, yes, use the same PIN.

  193. Joel on November 16th, 2013 2:55 pm

    Can I deposit my SSS loan check in my BDO Account?

  194. Nora on November 17th, 2013 9:04 am

    Hi Joel, yes. It will be available for withdrawal on the 3rd day.

  195. Zel on November 23rd, 2013 7:56 pm

    Hi tanong ko lang kung may oras ba bago mawithdraw yung pera na kadedeposit pa lang sa BDO cash card?
    Kasi last Saturday afternoon nagdeposit yung friend ko sa account ko tapos nung magwiwithdraw na ko (same day) sa ATM machine wala naman yung pera tapos nagbalance ulit ako nung Sunday wala pa rin.
    2 days after pa bago ko nakuha yung pera ko bale mga Monday afternoon.

  196. Kyle on November 24th, 2013 5:33 am

    Hi. Can I use my BDO payroll account to accept deposits from other people? Thanks.

  197. Nora on November 24th, 2013 8:02 am

    Hi Zel, sure mo ba na nagdeposit talaga siya? Kasi ang cash deposit ay nawiwidro agad. Kaya lang, this is a cash card, so baka merong cash card deposit deadline ang BDO kapag Saturday. Kasi merong naiibang rules ang cash card ng BDO. For example, kahit business day, hindi na sila tumatanggap ng cash card deposit after 6 pm sa bank na nasa mall. Baka sa case ng friend mo, late in the day na, ang credit ng deposit ay the next banking day, which is Monday.

  198. Nora on November 24th, 2013 8:08 am

    Hi Kyle, the last time I asked BDO, hindi raw puedeng mag-accept ng deposit from other people and even from the account owner ang payroll account na opened through the company.

  199. Shy on December 12th, 2013 8:02 pm

    Hi! I would just like to ask if I can renew my regular passbook savings account into a non-passbook savings account. I think it require 3k maintaining balance? My reason is that, I withdrew money by mistake. My account is now below-maintaining balance 5k. So I was wondering if I can renew my peso passbook into a non-passbook so the maintaning balance is lower without changing my account # and card #. Will the alterations affect my transactions online (e.g. enrolled accounts). I don’t want to have a monthly charge due to that below maintaining balance. So I think renewing is the best option. Please. I need your advise. Thank you!

  200. Shy on December 12th, 2013 8:08 pm

    Another question: Is my penalty charge for not being able to keep the maintaining balance given every month? Or is it a one time fee?

  201. Nora on December 13th, 2013 6:44 am

    Hi Shy, sorry you cannot change your passbook into an atm account. The process is to close your passbook account and open a new atm account. How about transferring the withdrawn money back to your passbook account online? Or if there’s a reason why it can’t be done, then ask someone to deposit money into your passbook account asap so that the balance will be at least 5k.
    The 300 penalty begins at the end of the 2nd month. For example, this Dec, you’re below the balance requirement, and then in Jan, you’re again below, so 300 pesos will be deducted on Jan 31 or Feb 1, and then again on Feb 28 or Mar 1, etc. until the required balance is restored.

  202. kris on December 17th, 2013 6:41 pm

    hi po. ask ko lang po kung pwedeng gamitin yung bdo teen card for google wallet? gusto ko po kasing bumili ng coins for my games like Ayakashi. thanks.

  203. Nora on December 18th, 2013 12:53 pm

    Hi Kris, hindi puedeng pang-internet ang bdo atm card. If you like, you can apply for a GCash or a Smart Money card (for online use), depending on whether your sim is Globe or Smart.

  204. lai on December 24th, 2013 8:03 am

    hello.ask ko lang po how many months it will take bago magclose ang account kapag nag zero balance. bdo atm debit card gamit ko. pwede pa ba sya sendan ng pera? nag zero sya nung august 2013.thanks

  205. Nora on December 24th, 2013 6:33 pm

    Hi lai, kung regular atm savings ang account mo at hindi Kabayan, sori, hindi na active and account mo. Once nag-zero, closed na siya. Mag-open ka na lang ng new account. Kung Kabayan, dapat active pa, kasi 1 year naman ang allowance ng Kabayan (one foreign remittance in a year for Kabayan).

  206. lawrence on December 27th, 2013 1:12 pm

    good day po ms Nora, I am an employee po, first job ko po. I want to have access but di ko po alam ang account number ko, BDo card number lang po..kasi po dun pinapasok ang payroll namin. thanks

  207. Nora on December 29th, 2013 9:29 am

    Hi lawrence, congrats on your first job. Kung BDO cash card yan, wala siyang account no. Pag magdeposit diyan, 16-digit cash card no. ang ginagamit — yang nakasulat diyan sa front side of the card. Most often if it’s payroll cash card, it’s only the company that opened the account that can deposit into the card — this means you cannot use it for personal use as a deposit account. You have to open your own cash card if you want to have your personal cash card.

  208. grace on January 5th, 2014 12:55 pm

    hi miss nors,

    can i update the passbook even if im not the bdo passbook owner? my bf left it to me b4 going abroad and told me to update it, kaso have second thoughts and paubos na po yung page, pwede ba nila ibigay sakin yung new passbook kahit walang authorization letter.

  209. Nora on January 6th, 2014 3:26 am

    Hi grace, yes, you can have it updated for your bf. Just in case the teller refuses to update, deposit an amount, maybe 200 or 500 pesos, together with the passbook and the deposit slip, so that the passbook will get updated. If there’s no more space, I think the teller might give you the new passbook, together with the old one.

  210. Atlantis on January 6th, 2014 12:02 pm

    Hi everyone.. I would like to ask if my BDO debit card (non-passbook) will get deactivated right away if I withdraw everything and make it zero balance because i will use it for emergency purposes? If yes, then how long can it stay as an active (Deposit-able) account while “Zero balanced”? In other words, How long will it take until they “deactivate” my account? I want to maximize the time because i am not certain if when can i get enough money again to deposit. Thank you very much.

  211. Nora on January 7th, 2014 7:02 am

    Hi Atlantis, if the account becomes zero, as in 0.00, the account gets automatically closed. I’m not sure if BDO is still reactivating closed accounts. Some banks reactivate, but they require penalty payment. To prevent automatic closure, you can leave the extra pesos and cents, but be sure to deposit more than the maintaining-balance amount before the end of the month.

  212. Atlantis on January 7th, 2014 11:08 am

    Thank you, Ms.Nora. So when I leave extra pesos and cents, I still have until the end of the month to deposit back the amounts. But when you said that I have to deposit more than the maintaining balance, does it mean that they will still deduct the 300 peso maintenance fee even if it didn’t last for a month?

  213. Nora on January 9th, 2014 11:56 am

    Hi Atlantis, you will pay the 300 pesos sa last day ng second consecutive month na below monthly average daily balance (MADB) ka. Kung below MADB ka Jan and Feb, merong penalty sa Feb 28 or Mar 1.

  214. Cristy Lopez on January 10th, 2014 3:06 pm

    Does anyone know how much is the monthly or daily fee for not maintaining the required balance of a BDO ATM Debit Card (International, Master Card)? Thank you

  215. Nora on January 10th, 2014 10:52 pm

    Hi Cristy, the penalty is 300 pesos a month. For example, your balance is below the required balance both in Jan and in Feb, 300 pesos will be deducted on Feb 28, and then again on Mar 31, until you maintain your balance requirement.

  216. Jade on January 17th, 2014 4:48 pm

    Ask ko lng po,meron po ako ATM debit card pano pokung nawithdraw ko un maintaining balance n 2000 nun Oct 2013 open pa po ba un account ngayon jan 2014? kung close na po kailan ho ako pde magbukas ng pnibagong account?

  217. Nora on January 17th, 2014 10:26 pm

    Hi Jade, kung walang money na naiwan noong Oct 2013, closed na ang account. Kung less than 600 pesos ang naiwan, malamang closed na ang account. If closed na, puede nang mag-open ng new account. Sa ibang branch ka na lang mag-open. Makikita pa rin nila yong closed account mo, pero basta meron kang valid IDs, papayagan ka namang mag-open.

  218. Egan on January 23rd, 2014 2:14 pm

    As ko lang po. Nandito kasi a ko sa KS ngayon. gusto ko sana magpawithdraw sa misis ko sa BDO na nakapangalan sakin. Pwede po ba un at ano mga kailangan para makapagprocedd. salamat.

  219. Egan on January 23rd, 2014 2:15 pm

    * nasa KSA po ako ngayon.

  220. Nora on January 23rd, 2014 3:33 pm

    Hi Egan, do you mean passbook lang ang nasa misis mo at wala sa kanya ang atm card? Kung passbook lang, ask her to send you via postal mail BDO withdrawal slips. Fill the part where you’re authorizing your wife to withdraw an amount in your behalf. Sign it, and then send it to her via postal mail. Para secure, use registered mail. Keep your registry receipt. Pero halimbawa lang mapunta man sa iba itong withdrawal slip, hindi naman sila makawidro kung wala yong passbook. Ask others too.

  221. janine on February 6th, 2014 5:23 pm

    Hi. My friend has been a victim of atm fraud. He’s atm wss with him the whole time but several unauthorized withdrawals were made. This has been reported within 24hoursm. My question is, is there a possibility that the money will be returned to him?

  222. Nora on February 8th, 2014 9:59 am

    Hi janine, it depends on the result of BDO’s investigation. BDO will check how, when and where the funds were withdrawn.

  223. carche on February 13th, 2014 4:50 pm

    hi.. ask ko lang san ko makikita ung missing 4digit ng account no. ko? 8 lang kasi ung sakin. kailangan kasi 12 para ma ka enroll sa online banking… salamat..

  224. Nora on February 13th, 2014 10:05 pm

    Hi carche, 10 ang digits ng BDO savings account no. plus 00 for peso account so maging 12 digits. Call BDO 631-8000 to ask why you have only 8 digits. Baka 8-digit lang ang mga accounts opened abroad.

  225. mariafe on February 21st, 2014 8:06 am

    hi po ask ko lang po if pwede ba akong makawithdraw sa account ng mister ko nasa akin ang atm at passbook niya nasa africa po kasi siya kailangan namin ng pera ano pong mga kailangan para maka withdraw po ako?thanks

  226. mariafe on February 21st, 2014 8:08 am

    sa passbook po ako mag withdraw anong mga kailangan po para maka withdraw ako.thanks and more power…

  227. mariafe on February 21st, 2014 8:52 am

    hi po mam nora…sana po matugunan mo ang tanong ko para alam ko po ang gawin ko.thanks and godbless you!!

  228. Nora on February 22nd, 2014 9:38 pm

    Hi mariafe, hindi nio po ba alam yong atm PIN para sa atm kayo magwidro, kasi kapag passbook withdrawal kelangang pirmahan ng husband ninyo yong withdrawal slip (yong portion na authorization for representative withdrawal). Kelangang yong signature sa withrawal slip ay pareho doon sa signature na nasa file ng BDO.

  229. janilyn nasayao on March 14th, 2014 5:17 pm

    Good afternoon po.Tanong ko lang po meron po nkapangalan n cheke sa husband ko under ucpb,kaso ofw po sya at bdo po ang kanyang bank account.maari po bang ihulog ang ucpb cheke sa bdo account nya.salamat

  230. Nora on March 14th, 2014 6:54 pm

    Hi janilyn, yes, puedeng ideposit mo ang UCPB check niya sa kanyang BDO account.

  231. Walter on March 19th, 2014 2:56 pm

    Hi, I have a bdo peso acct .and somebody from Australia is sending me money thru that account, ngayon po nakita ko na ang baba po ng exchange rate dun sa remitting bank compared sa online exchange rate , 2 peso difference per Australian dollar, ano po maganda gawin…?

  232. Nora on March 20th, 2014 3:30 am

    Hi Walter, sa exchange rate kasi kumikita ang remittance company na mababa lang ang singil for remittance fee. One option is to open an Australian dollar account at BDO (maintaining balance requirement is AUD 200) so your sender can send/deposit to your AUD account, and you can withdraw AUD for exchange later at money changers with high exchange rates.
    Another is the option of Remittance for Cash Pickup at BDO — your sender gives you the reference no., amount and his name/address/contact info and you get your AUD from the BDO counter.

  233. Noel on March 20th, 2014 8:48 pm

    Asko kolang po. If meron po ba akong auto debit loan payment sa bdo na due today march 20 at di po agad pumasok un fund na dineposit ko, pano po ba mangyayari. Pano ko po inform ang bank na next day e meron ng fund un checking account ko. Thanks

  234. Nora on March 21st, 2014 6:26 pm

    Hi Noel, puedeng merong late payment penalty. Hindi ko alam kung merong penalty for the failed auto debit. It’s best to call BDO now.

  235. kenjie on March 25th, 2014 5:21 am

    Kumuha po ako ng BDO Atm last year at nahulugan ko ng isang bisis lang mag 9 na buwan napo diko nahulugan pwidi pa po ba na hulugan ang ATM koh.dito po ako sa saudi.valid pa po ba.thnx

  236. Nora on March 25th, 2014 9:58 pm

    Hi kenjie, ito ba yong Kabayan account? Or yong regular atm savings account? Pag Kabayan account, yes, active pa siya. Para sure, you can call BDO or use this BDO contact page:
    Pag regular atm account, is your balance 2k or more? Kasi merong maintaining balance requirement na 2k ang regular atm account. If 2k or more, active pa ang account mo. If less than 2k, merong 300 pesos per month na penalty starting from the 2nd month na below maintaining balance, and then every month thereafter. Ang Kabayan, walang maintaining balance requirement, pero kapag walang at least 1 foreign remittance in a year, nako-convert into a regular passbook account na merong 5k maintaining balance requirement (magiging 10k starting May 1, 2014).

  237. zenith on April 11th, 2014 9:44 am

    gm, ask lang poh, what requirements needed kpag mag withdraw.,, hindi po kc skin un savings account sa mama ko po. kaso he DIED na poh.,, WALA POH XA ATM CARD, passbook lng po.. he died poh nun 2010, bale 3 years na

  238. zenith on April 11th, 2014 9:47 am

    …..amount 200,000

  239. janthen on April 11th, 2014 8:43 pm

    hi,,pede po mag ask panu po kung nadeposit sa invalid account number yung payroll marerecover pa kaya yung na deposit..?..
    kasi po ang nangyari nag close po atm account ko,then apply to a new account advise as per our HR. when i noticed mali pala nabigay ko.
    malalaman kaya ng payroll ng company namen na hindi skin o mali yung account na nabigay ko..?


  240. Nora on April 14th, 2014 7:22 am

    Hi zenith, I’m puzzled why you did not get your mom’s money in 2010 or 2011, kasi dormant na ang account, meaning no deposit or withdrawal in 2 years. But anyway, you can still get the money because 200k is much more than the maintaining balance requirement, and there should be no dormancy penalty. Xerox the passbook, front page and all pages, so you have copies. Then collect NSO documents (your mom’s death certificate, father’s marriage certificate and children’s birth certificates, valid IDs). Xerox docs. Para mas sure ang lakad ninyo sa mga docs, go first to the bank branch written on the passbook, and ask the documents needed to withdraw your deceased mother’s deposit. Puedeng ang initial na ipakita ninyo is your mom’s death cert, and your birth cert and your IDs (para meron kang authority na magtanong). Huwag iwanan ang passbook; ipakita lang. Kung father ang mag-inquire, he brings the death cert, his marriage cert and IDs. If you have time, please comment again here so we can learn from your experience with the bank.

  241. Nora on April 14th, 2014 7:40 am

    Hi janthen, hindi madedeposit yon, kasi hindi match ang account name and account no. Punta ka agad sa HR ninyo at mag-sorry ka for your error at mag-request for correction. Give them the correct account no. Siguraduhin mo na ang no.

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