BDO Bank Rules — Banco de Oro Updates, Reminders

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


Add a Comment
  1. hi mam, may i ask if i can deposit my SSS salary loan check to my atm debit card? Are there charges? thanks

  2. Hi maribeth, yes, you can deposit your check to your atm debit card account. Use your account no. No deposit fee, as long as you deposit at your branch or at a branch with the same phone area code as the branch where you opened your account.

  3. Hi, just wanna ask , if someone is sending you money from abroad in dollars to my bdo payroll savings account, is it possible?. my cousin said she already sent it last week but i didnt receive it yet.. thanks

  4. Hi, just wanna ask, can someone send money abroad in dollars to my payroll savings account? my sender said she sent it a couple of days ago but it’s not yet in my account. My account number is 9 digits, then i saw that it should be 12 digits, that I should add 000 zeros before the 9 numbers. Could that be the reason that I haven’t received it yet, or is it because my payroll can’t receive a remittance? I ask our HR and they said it can accept remittance. I’m so confused. hope u can help me. thanks

  5. Hi eve, call BDO 631-8000 and ask. Are you sure your account no. is only 9 digits? Mine is 10 digits, and it’s 12 digits if I add 2 zeros. My BDO payroll account 2 or 3 years ago was not allowed to accept over-the-counter deposits; it was exclusively for payroll use. I’m not sure if all BDO payroll accounts are exclusive. You can also ask your cousin her reference no. so you can check using BDO Remit Inquiry at

  6. Hi bryan, if you open an atm savings account, BDO will give you an atm debit card. If you apply for a cash card, BDO will give you a cash card (has no maintaining balance; has maximum balance, 10k or 25k).

  7. Anu po yung cash card?
    Pede po ba gamitin yung debit card kahit saan tulad ng sasali po kc ako sa program my babayaran po ako 50$.

  8. Hi just wanna ask if my sister will be allowed to encash my check even its under my name? my sister and I have the same surname. thanks. i don’t have an account in the philippines

  9. Hi nenita, sorry I think your sister cannot. Some banks accept SPA from you, but SPA might be expensive to get there abroad and send here. If you like, you can open a BDO Kabayan account at a BDO remittance partner there, so your sister can later on deposit your check to your account.

  10. Hi ms where can we see the account number sa bdo? that’s the cure for the sss pension of our father. thanx god bless :-)

  11. Hi ariane, if your father opened a passbook-with-atm account, his account number is written inside the passbook, near your father’s name, usually 10 digits; 12 digits if with 00 before the 10-digit no. If his account is atm-only, look for his account number in the deposit slip given to him when he opened his account (10-digit no. above your father’s name)

  12. Hi Nora, Just want to ask if I can do over the counter withdrawals on other BDO branch? Like for example my account is from SM fairview, and I want to do over the counter withdrawal in Bulacan, is it possible? Thanks.

  13. Hi Ms Nora. My ATM card was stolen last January 08. I had my card blocked already. However, I’m afraid the snatcher will make OTC withdrawal. He has with him all my IDs which show my signature. Will that be possible? Thanks

  14. Hi Melanie, if you have reported it, then your account should already have a tag that will warn tellers. Is this a BDO savings account? The account no. is not on the atm card, so the thief will not know your account no., unless you wrote it somewhere among those he stole and the thief is knowledgeable enough, and unless the thief has a woman-partner confident enough to be able to approach the new accounts teller and ask for the account no. using your IDs. But if there’s a tag, BDO should ask verification questions first. Usually also, tellers advise atm-only-account owners to withdraw via atm first before OTC withdrawal. If cash card, OTC withdrawal is not allowed. Obtain a valid ID asap, so you can go to your branch and request for a replacement card.

  15. Hi Jojo, they will ask for unexpired valid IDs. For non-passbook accounts, they advise you to withdraw 50k first from the atm machines before you can withdraw over the counter, unless the atm machines all around the branch are out of order.

  16. hello ms nora,ask ko lang po kung ano rules ang meron kung mag-oover-the-counter?kasi nawala ko yung atm card ko third week ng January.Nagpunta na ako ng BDO branch kung saan nandun ung payroll account namin.Sinabi saken ng teller na kailangan ko humingi ng letter from HR sa office namin na nagsasabing nawala ko ATM Card ko tapos balik daw ako sakanila para mabigyan nila ako ng Affidavit of Loss.Pag punta ko sa office,dumiretso ako sa HR,sabi naman saken kailangan daw nila ng Affidavit of Loss galing BDO bago sila magiissue ng letter.Ano po ba tlaga mas magandang gawin?next week ikecredit na sa account ko yung tax refund ko eh,kailangan ko yun mawithdraw ASAP kasi magttravel ako paCebu,i really need cash.May nakapagsabi kasi saken,colleague,na it may take 3-5 business days for processing bago ako mabigyan ng bagong ATM Card.Please help.TIA

  17. Hi Mariz, if your account is atm savings, and not cash card, you should be able to withdraw over the counter showing your IDs, but you will pay a charge of 100 pesos. But ask your branch if this is allowed, as sometimes, they impose some policies differently. Talk to the manager, if the teller cannot decide. About ATM card replacement, explain your case to your HR. They’re in the position to make certification, as they are your employer, and not BDO. They’re the ones who can certify your identity.

  18. Hi! Good morning. Can I convert my Peso Passbook Savings Account to Peso ATM account? If yes, do I need to pay something? What are required? Thanks :)

  19. Hi Tess, sorry no. What you do is you open a peso atm account with 2 valid IDs, 2 2×2 photos. Bring proof of billing, in case it’s required. Then close your passbook account.

  20. Hi cris, no, an atm card is not a valid ID. Several post offices are now offering digitized postal IDs for 350 pesos. You need barangay certificate or proof of address and birth certificate.

  21. Hi john, yes, you can deposit a check in your name to your Kabayan account. You are the payee, so your account can accept the check. Name on check should be the same as account name.

  22. Hi ms! Can we deposit and withdraw using BDO Cash Card even if no longer employed by the company that issued the cash card? Is the card still active?

  23. Hi nette, it’s better that you apply for your own BDO cash card (2 valid IDs and 2 ID pictures) so you don’t worry about any future changes in the payroll policies of your previous company or of BDO. Aside from that, usually payroll BDO cash cards only accept online money transfer from company accounts, and not over-the-counter deposits.

  24. Hi ms.n0ra, can I deposit my pag ibig cheque salary l0an to my bdo atm debit card savings/payroll?

  25. Hi Patrick, you should be able to deposit a check because your account is a savings account, but because it’s a payroll account, it depends on your company’s agreement with BDO. Try depositing it. The teller will advise you.

  26. elow po. can we withdraw over the counter using passbook at another branch of bdo. kabayan savings.thanks

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