BDO Bank Rules — Banco de Oro Updates, Reminders

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  1. Mam,goodhealth po sa inyo…ask q lng po kung pwede maencash ung cheque ng mister q sa ibang branch ng BDO,naka-noted din po na for payees account only…pwede po bng sa ibang account ito ideposit..for example BDO to PNB?

  2. Help badly needed.

    I lost my BDO cash card and it will take a while before I will be issued with new card due to some circumstances. Is it possible to get my money over the counter even if it is a CASH CARD?

    Thank you.

  3. Mam i have my kabayan account pwede po ba magamit ang account for my sss sickness benifits ask nila ako if had an account on my name pwede po ba

  4. Hi, Ask ko lang po kung pwede sa ibang branch magpunta kc unauthorize transaction lagi nlabas pag nagwiwithdraw via atm.. sa manila po ako nag open pero nasa batangas n ako ngayon.

  5. Hello po. Magkano po yun maximum deposit sa bdo savings account(2000) . And pwede po ba mag.Over the counter hanggang 100k khit atm lng.

  6. I have a dollar account.Nag iwan ako ng withdrawal slip sa husband ko as my representative para in case na kailangan makapagwithdraw sya agad. Unfortunately pagpunta nya sa bank hindi sya makapagwithdraw over the counter kasi kelangan daw muna iupdate at pinababalik sya after 3 days para makapagwithdraw. Naayon po ba ito sa policy ninyo? Please let me know.

  7. Hi Hanna, yes, puede 1M over the counter, ipa-process agad at makukuha mo rin agad, basta walang problem ang account, signature at IDs mo. Walang charge kung passbook ang account mo. 100 pesos kapag atm-only account. Puede ka rin nilang pawidrohin muna ng 20k sa atm machine, then after that, widrohin mo sa counter yong iba — yan ang rule nila dati, ewan kung ganon pa rin ngayon. Bring your IDs. Kung ipapambayad mo itong pera, at tumatanggap ng manager’s check yong babayaran mo, mas safe kung magpagawa ka na lang sa BDO ng manager’s check. Puede mo ring kuning cash yong iba.

  8. Hello ms. Nora po pwede po bang mag withdraw ng 1miliion 1time? May charge po ba yon at ilang days ang processing po?

  9. Hi asked ko lang po,puedi bang mag over d counter yung anak Ng may ari ng account,kasi yung may ari ng account nasa abroad.Nagpadala sya sa anak nya sa pinas,pued bang magwidraw over d accounter ang kanyang anak kahit hinto ito nakpangalan sa knya,nakapangalan ang account mama nya nasa abroad.

  10. Hello! Kumusta? Ask ko lang kung totoo po ba na ang BDO BANKO DE ORO AY CLOSE NA KAsi po isa sa mga kaibigan ko nasa sa saudi arabia (riyad) ng gusto niya mghulog ng pera sa kanyang accnt ngunit sinabihan siya ng teller na close na daw po ang bdo sa pinas .may 58k pa naman siya sa kanyang accnt.

  11. Pwede po mag withdraw sa ibang bank ng BDO over the counter kapag sa Pampanga Branch ako nag open ng account

  12. hi mam,sir..nag padeposit po ako dto sa amo ko sa BDO kabyan ko..ang pina depositohan ko ung acct ng aswa ko na beneficiary ko.agad agad po ba nya mkukuha un? at mag kano ang charge nun dto sa riyadh? my bwas pa ba un pg kuha ng aswa ko.over the counter po.

  13. Hi po.. need help po urgent 3 days na ko hnd makapag withdraw since natapat ng weekend.
    pwede po bang mag cash withdrawal over the counter (any BDO branch or mismong branch ng account ko) I forgot my pin ng Payroll Debit Card ko. 10K lang withdraw ko may minimum ba pag over the counter? need ko na ng money kasi.. pag replacement ng card daw it takes 5-7 banking days. Thanks a lot.

  14. Hi Ma’am ask ko lang po if i can enroll another bdo debit account na Visa naman. May existing BDO debit Mastercard na po kasi ako. Gusto ko kasi may Visa din para in case magtravel abroad. Or mas better na mag open na lang ako sa ibang bank ng Visa debit account. Thanks po

  15. Pwede po ba gmitin ang nbi clearance para po mkapg over the counter s bdo? Postal id lng po kc ang meron aq. Tnx

  16. hello po ask lang po sana ako kase po nag deposit po ako ng cheque sa metrobank savings account ko pero ang cheque po ay from citibank, friday ko po sya deniposit and since sabi nila ay one day clearing nalang po ngaun, by this day which is monday nag expect po ako na available na ung funds, pero ang nakikita ko online ay floating parin ung amount, so kailan po kaya un magiging available. thank you po

  17. Maam good day,,

    Ask ko lng po isang taon ko na hindi nahuhulogan ang kabayan saving account ko,pero my laman naman po cya.ma dedeactivate po ba ang account ko kapag hindi ko pa rin nahulugan.thanks

  18. Hi jhernel, SSS ID, voter’s ID, driver’s license, plastic company ID or passport. Puedeng school ID with barangay cert if student

  19. Hi po pwd po b malaman f panu mkakuha ng bank statement s bdo online banking sinunod q nmn kc un step by step nlang instructions at d end wla nmn aq napala meron ka po b alam n pwd q gawin?? Tnx in advance

  20. At pahabol lang po na question maam.
    Kung sakaling pwede po pwede po ba i deduct nalang dun sa i wiwithdraw ko yung charge?

  21. HELLO PO ask ko lanf po kung pwede mag withdraw over the counter kinain po kasi ng atm machine yung BDO cash card(payroll) ko.. Eh pag nag request pa po ako sa company ng panibago matagal pa po ata yun

    PWEDE PO BA MGA MAAM/SIR?

  22. Hi Lulu, sorry I’m not a BDO employee, pero tanungin mo lang yang branch nearest where you are. Depende rin kasi sa branch if they have enough dollars available and if their online connection is working. There’s a charge. For peso accounts, it’s 100 pesos. They require your passbook and IDs

  23. Ask ko lang po if naga accept kayo ng interbranch withdrawal para dollar account over the counter?

  24. Hi Jessa, more than 2 million pesos? Oo naman, puede. Pero tatanungin din kung saan galing ang pera. Tanong lang, pero tatanggapin din. Kasi puede namang bayad ng binentang bahay, lote, or pinadala ng family from abroad to pay something, etc.
    Pero kung wire transfer of 2 million dollars, ihohold muna ng bank, at hahanapan ng proofs of source.

  25. HI ASK KO PO SANA IF PWEDE PO BANG MAGDEPOSIT YUNG FRIEND KO NG MORE THAN 2 MILLION IN MY ACCOUNT?

    THANKS.

  26. Hi XD, karamihan ay 12 months to 24 months, pero I saw a 7-year set of postdated checks sa BSP website which was for institutional loan payments. Yong iba, 12 checks for the next 12 months, then before the 12th month is over, reissue another set of 12 checks for the second year, and the same for subsequent years

  27. may tanong lang ako. gaano katagal ang itinatagal ng mga post dated checks sa pinas. especially sa bdo? salamat ng marami sa sasagot.

  28. Hi Ella, kung 4 months na, most likely, automatically closed na ang account mo. Try mo mag-balance inquiry. Malamang “closed account” or “invalid account” na. Pag BDO, hindi sila nagre-reactivate ng closed accounts, so mag-open ka na lang ng new account. You might like this account: BPI Easy Saver

  29. Hello po ask ko lang po pano po kung ang balance nalang ng ATM debit ay 2 pesos.. tas pang 4 months na po ako na walang transaction.. di na po ba pedeng mag deposit ulit dun?

  30. Hi mars, at least 2 valid primary IDs. Kung meron kang SSS ID and passport or driver’s license or company ID or voter’s ID, enough na. Supporting IDs lang ang mga yan, pero dalhin mo lang kung iisa lang ang primary valid IDs mo.

  31. Hi mrs Nora, anu po ba and mga requirements para mawithdraw and ma-close ko and dollar savings account Ko? Ilan po bang valid ID ang kailangan? Kailangan Ko pa din po ba ng NBI, Barangay or police clearance? Thank you po

  32. Hi Jimdexter, yong black line na yon kasi ang binabasa ng machine. Kung hindi mo na maibalik yong black line nang mahusay, sorry, damaged na yan, at kung yang account is you sister’s account, hindi mo puedeng papalitan sa bank kasi ang allowed lang na mag-request for replacement is the account owner, in person. Ask na lang your sister to amend her remittance from deposit to CASH PICKUP. Do you have valid IDs? School ID is okay basta merong signature ng head of school and meron kang photo. Kumuha ka na rin ng barangay certificate to support your school ID. Meron na ring webcam photo ang mga barangay certificates.

  33. Hi nora… my bdo kabayan atm pko abgay po ng sister ko na nsa ibang bansa… at un po ang gnagamit ko ngyun dto sa philippines ..tas knina lang po natuklap ung black line sa likod tas nag papakita sa atm mchine na cant read .. an po ggwin ko ilang beses kna pinasok pero lahat csnt read

  34. Hi Robelyz, kung SSS ID yan at hindi naman gaano malaki yong amount ng refund, dapat okay na sa kanila yan. Bring your Meralco bill or refund letter just in case.

  35. Hi Robelyz, for deposit yang check kasi merong diagonal lines. Pero dahil Meralco manager’s check, usually ini-encash nila sa branch ng bank na nakasulat sa check, so try mo na lang doon sa branch.

  36. Hi tuny, I hope na-adjust na ng BDO ang system nila para matanggap ang mga ganyang “0” errors. Wait na lang, and I hope ma-credit para you don’t need to go back to your remitting bank.

  37. HI po!.. matanong lang po,.. tungkol sa BDO account number.. nandto po kasi ako sa ibang bansa, padalhan ko ang aking misis ng pera thru international bank and transfer, ang account number is 12 digits,,. starting tatlong zero(0).. pgka kita ko po sa transaction reciept is kulang ng isang zero.. which is nalagay 11 digits lang di ata nlagay ung isang zero.. pagka kta ko sa balance is natransfer na.. may magigig problema po ba yun na kulang ng zero ang nalagay..

    salamat po ng marami sa sasagot..

  38. Meron po nka lgay in between ng diagonal lines at left top ng ckeck po.. Managers check dn po ung check.. Pay to the order of my name po..

  39. Hi lhey, yes, company ID is a valid ID, specially yong plastic ID with sufficient data and not the laminated type. Bring any supporting document like NBI or TIN or barangay cert just in case they ask.

  40. Hi Robelyz, yang refund check mo ba ay walang nakalagay na “For Payee’s Account Only”? Or walang 2 diagonal lines sa top right corner? If wala, yes, puede, kasi valid ID ang SSS ID. At Meralco check naman. Yes, try any branch of the bank on the check.

  41. Hi mrs nora.. Meralco issue me check as for my refund. Dated (5-9-2017). Until now nasa akin pa rin. Only SSS id i have. Can i still do encashment in any branch? I have one valid id only..

  42. .hello..is it possible to encash my sss cheque using my company id only because my application for a new sss id card is still on process..thanks

  43. Hello po ask qlng poh ng open po aq ng kabayan savings account s phillippines then andito poh aq s khobar saudi ngwwork 2 months plng aq dito…ndip po ako nkkpgdeposit s account q…if mgdeposit poh b aq pede po b mgmit atm. Dito al khobar..at pnu ko po ma uupdate passbuk q dito?? If mgsave po aq ng money s account q??

  44. Hi Marivic, obviously kapag may atm card, makakawidro. Kapag over the counter, dapat nasa aunt mo ang passbook at dapat napirmahan mo yong “authorized representative” portion ng withdrawal slip. Minsan meron ding naghahanap pa ng ID mo lalo na kung yong signature mo ay iba doon sa signature mo na naka-store sa system. Kung ibang-iba ang signature, pede ring hindi pawidrohin. Puedeng gumamit ng courier like LBC or EMS pero dapat hiwalay yong passbook at yong withdrawal slip. Isipin mo rin na meron ding risk ang magpadala ng important documents

  45. Hi Anne, first you need to reactivate your dormant account by going to your branch with your IDs. Tell them you also misplaced your passbook and atm card and can no longer find them. They’ll tell you if a notarized affidavit is needed. In the rules included in the passbook, you need to submit an affidavit. If you withdraw over the counter, you need to present your passbook, so you really need to get a new passbook. It will also be easier if you also know your account number.

  46. Hi! My mum sent money through metro remittance and they sent it to my bdo kabayan dormant account. Apparently I left my bankbook and atm card in the UK, how can i withdraw the money from the dormant account without a notarized affidavit of loss letter??

  47. Hi po. Can my aunt withdraw my money in my kabayan peso saving di kc me makakauwi. Anu po nga Requirements? Thanks

  48. Hi Nora im Lourdes. Pwede pa bang depositohan itong bdo kabayan account ko? March 2016 pa ang huling remttance na pumasok dito at hindi na nalamanan ulit. Winidrawhan ng anak ko nung nagbakasyon sya ng july 2017. May natirang less than 500 pesos sa savings acccount. Active pa kaya ito at pwede pang depositohan ng anak kong nasa saudi?

  49. Kabayan savings kc ung akin un dn ung gnamit kong pang open acc.ung police clearance ko..

  50. Hi jenifer, I wonder na naka-open ka ng BDO passbook account na wala kang valid IDs. Malamang irequire nila yong IDs kasi malaking amount yong iwiwidro mo over the counter. Kung di ka makawidro, widro ka na lang via atm machine, 50k pesos per day, so 3 days ka magwiwidro to get 120k pesos. Puede ring pawidrohin ka muna nila sa machine, then yong the rest over the counter.

  51. Wala pa po kc ung valid id’s ko police clearance plang po meron ako pwd po ba un if skali kylangan pa po ba ng id khit dala kona ung passbook..

  52. Hi jenifer, yes, puede. Bring your passbook and IDs. Dalhin mo rin yong atm card, baka lang titingnan.

  53. Gud pm ask ko lang po makaka pag withdraw po ba ako ng 120,000 over the counter ano po requirements na kylangan…

  54. Hello mam nora,

    Good am po.. i just read some of the comments here.. well one of those comments ay pareho problem ko.. pero may konti difference.
    regarding sa problem ko. Well yesterday lang kasi emergency talaga.. yung situation kasi last 2015 nag open account ang mama ko sa bdo.. passbook.. dpat joint account kami kaso di ako pumayag kasi that time wala pa daw passbook with atm.. sabi ko sa mama ko wala pa passbook with atm.. mga after 2 months pa mgpprocess yung atm sabi ko sa mama ko siya na lang muna tutal may bank account naman ako sa iba.. then by march bumalik na sa abroad mama ko.. iniwan niya passbook niya sakin.. then heres the problem.. nagka emergency kasi yesterday. we need to withdaw sa bank niya.. kasi gagamitin namin yung pera here in the philippines asap. ang problema. wala siya iniwan id and any signature with widrawal slip..
    so ang possible way is isend yung withdrawal slip sa kanya sa abroad.. kaso need na talaga yung money by monday.. sabi ng mama ko try ko daw pumunta sa branch ng bdo.. then sabihin yung situation.. present ko yung conversation namin.. saka yung passport na pic na sinend niya.. para if ever maka withdraw ako agad.. or by chance ask ko na pa add niya ako as joint account.. para wla na muna problem sa signature.. emergency kasi talaga.. pwede kaya yun.? i have all the documents naman and proofs. pupunta ako mamaya sa bank.. sana po matulungan mo kami.. if ever any suggestion or advice na maibibigay.. salamat po wait ko na lang reply niyo. thanks.

  55. Hi elmer, it’s not true. Baka iba yong narinig. Meron lang charge kung atm-only ang account and the charge is only 100 pesos. Puedeng 200 pesos kung another branch kasi interbranch withdrawal fee yong second 100 pesos. At kung merong passbook ang account, over-the-counter withdrawal is free. Kung Kabayan, interbranch withdrawal is free.

  56. Hi hazel, sorry hindi ako updated. Try mo na lang. Dati kasi ang BDO payroll ay napaka-exclusive, gusto nila pang-payroll lang ang payroll account at ayaw nila ng over-the-counter deposit kahit cash. Ang puede is online cash transfer. Pero I hope nag-change na sila.

  57. hi Ms. Nora,
    ask ko lang po if my bdo payroll account is accepting check deposits. thanks

  58. hello ms. nora ask q lng po pg ng over the counter kb n mgwithdraw s bdo totoo b n 50% ung withdrawal fee?mgkano b withdrawal fee s over the counter transaction tnx

  59. Hi Jay ann, kung sino yong account owner, dapat pumunta sa BDO branch niya at ireport ang loss. Usually ire-require nila ang Affidavit of Loss. Kung hindi makapunta agad, dapat tawagan ang BDO and report the loss of passbook

  60. Hello po.. ask ko lang po kung ano ang gagawin ko kasi po namisplace ko ung passbook namin. Salamat po..

  61. Hi nora.tanong ko lng kung pwde ba ba mag withdraw sa ibang branch ng bdo gamit ang passbook.at asawa ko mag withdraw may iniwan ako sa kanya na withdrawal slip may sign ko.

  62. Hi Shine, andiyan ka pa ba sa Antipolo? Nagtanong na ako dati ng ganyan sa La Union, oo, puede raw, pero para sure, dahil malaki ang iwiwidro mo, at kung minsan, merong naiiba na branch, dumaan ka na lang sa branch mo. Walang maximum limit kapag over the counter ang withdrawal. Merong 100 pesos na interbranch withdrawal fee.

  63. Hi ms.nora ask ko Lang po if magkano maximum amount ang puede iwithdraw over the counter? Ok Lang po ba na sa ibang branch ako magwithdraw? Sa antipolo po ako nagopen ng account at sa tarlac ako magwiwithdraw?need ko po kase ng mlaki ng amount dun for investment

  64. Hi good day Ms. Norma we do online payroll the account of are customer was confirmed in the bank as active but when we are going to credit his rebates the system of BDO tag his account as Invalid what are we going to do?

  65. Hi Katrina, BDO ang nag-issue ng tseke? Yes, puede dapat. Meron lang sigurong mga smaller branches na ire-refer ka sa branch na nag-issue ng tseke.

  66. Hi anna, anong passbook ba ito? Regular o Kabayan? Kapag regular passbook, at nag-zero, as in 0.00, automatic nagko-closed. Pero kung merong few pesos or centavos, open pa. Puede mo pang lagyan, kasi wala pang 1 month. To be sure, bring your passbook to BDO, and ask kung active pa.

  67. Hi ask ko lang po, regarding my passbook. It turned zero balance nawithdraw ko kasi lahat ng pera ko nung nagkaron ako ng emergency.. ask ko lang po makoclose na po ba automatically un account ko?? Or pwede ko pa kaya sya madepositan? Wala pa namn pong 1month na zero bal sya.. still makakapag deposit pa kaya ako.. thanks po for those answer this question..

  68. Hi po., pwede po ba akong mag encash over the counter sa kahit anong branch ng BDO? o sa branch lang po kung saan ako nag open ng account? salamat po.

  69. Hi ivy, in-enroll mo ba ang Save the Children for automatic debit? Or yong charity na ang nag-process? Puede mong tanungin ang Save the Children kung nagse-send sila ng confirmation every time makatanggap sila ng donation from you. Pero kung enrolled ka sa BDO online banking, puede mong makita sa transactions yong amount na nade-debit.

  70. Hello! asked ko lang po kung ang isang Charity gaya ng save the children na automatic debit sa savings for donation. Are they going to send a confirmation that they withdraw a certain amount that you pledges?

  71. hi, can i use my philhealth id, barangay clearance and nso birth cert.for cash encashment? thank you

  72. Hi Nora, no my money still not been creditied , i am rather sick with worry now, i have contatcted both sending bank and BDO, it was large remmitance so very disturbing, i will update here but really no idea why not arrived yet

  73. Hi alex, depending on the remitter, remittances can be credited within the same day to 5 business days. I hope your money will be credited today. In the past, this 00 has caused troubles, but I think they have solved this already to not cause problems for those remitting without the 00.

  74. hi, i transfered money from abroad to my bdo peso account but missed the 00 at the start of the account number from my transfer form the money left the account i sent from but has not arrived in my BDO account,, do you know how long this should normally take ? i am worried its been 3 days

  75. hello po gud afternoon po.. ask ko lang if sa atm w/o passboOk na min of 2k ang maintaining e winithdrawhan q ng 1k kc emergncy.. magcclose account po ba un?

  76. Hai po! Meron po akong metrobank atm debit card tapos binigay ko sa papa ko ang account # ko pra mag deposit sya kaso ang nasabi ko ay BDO atm card hindi Metrobank atm card. Tapos ang nag deposit sa account ko yung kasama nya sa abroad, pwde ko ba makuha ma withdraw yung na deposit ng kasama sa papa ko? At pano? Please rplay po? And by the way po na deposit nya po sa BDO tlga pro Metrobank account ko.

  77. Hi Esther, kung walang nakalagay na For Deposit at walang 2 diagonal lines sa top left corner ng tseke, puede mong i-encash yang check sa branch written on the cheque. Sorry hindi puedeng depositohan ng tseke ang BDO cash card kahit personalized, kasi pang-cash lang talaga ang cash card. Hindi deposit account ang cash card at hindi siya insured by PDIC.

  78. Pwede ko po ba ipasok ang check ko sa bdo cash card ko na personalized bdo din ang check ko . Pero gusto ko sana ipasok sa cash card since pareho nmn po issued ng company. At wala din nkalagay NA for DEPOSIT .

  79. Hi Janice, hindi ba Kabayan ang account mo? Hindi Kabayan ang account at two months or more na 300 pesos lang ang balance? If yes, oo, closed na ang account mo. Hindi nagpapa-reactivate ang BDO ng closed account. Ang gawin mo when you come back here ay open a new account. Open ka ng BDO Kabayan.

  80. Hi wendel, yong company address ba sa main ID mo ay within Metro Mla? Puedeng mag-open, i-explain mo na lang sa officer na bago ka pa lang nagwo-work sa Manila, kaya provincial address yong sa ibang IDs mo. Bring 2 ID pictures. I think BDO does not require proof of billing — it’s more focused on valid IDs, and foreign remittance receipt if it’s for BDO Kabayan account.

  81. Hi Mrs Nora. Ask ko lang kung pwede ba ako magdeposit sa BDO less than 500, ex. 300 pesos? Thank you! Godbless!

  82. hello,hope everybodys fine..ask lng po pwede ba mag open ng acct kahit saan na bdo branch,exmple sa mnila po ako nagwwork,plan ko mag open ng acct pro mga documents ko like id ang address sa province,at proof of billing.,ok lng po b yun?

  83. Hi mrs nora ask q lng po if pwede q pa po ba mahulugan ung account q 2 months n po kc sibce npsok don ung maintaining balance.. 300 lng po kc ing naiwan don.. ngaun po pinahulugan q sa pinsan q(malayo kc po saamin ung branch ng bdo kya d q mahulogan agad.) Ang sbi po ng teller sa pinsan q hindi na daw po pwd madepositohan ung account ko..paano po kya yn mrs nora? Closed n po b un? At pwd p po b q mgreopen ng account? Tnx po..

  84. Hi Mie, hindi yon automatic na babalik. Itago mo yong atm slip mo. Punta ka agad doon sa China Bank branch na pinagwidrohan mo, at i-report mo yong nangyari, para tingnan nila yong machine records nila, iba-balance nila yon. Puedeng agad-agad, puede ring merong schedule. Kung merong sobra, para sa iyo yon. I-xerox mo yong atm slip mo para meron kang copy. Puedeng may form kang susulatan, at puede ring papuntahin ka sa BDO branch mo.

  85. ask kulang po , nag widraw ako sa china bank , pero bdo user ako , ang nangyare hindi ko agad nakuha yung nilabas na pera bumalik ulit sya ,, ask ku kung mababalik pa yung pera nayun sa account ko ?? tnx

  86. Hi laarni, dapat i-encash mo ang cheque mo within 6 months from due date. Meron ding cheques na 3 months lang (nakasulat sa cheque). Yong postal ID mo ba ay yong digitized na, at hindi yong simpleng card na laminated? If digitized na, yes, puede na yan, plus your TIN ID. Kung malaking amount, baka hanapan ka pa ng additional ID. I-encash mo na para ma-check mo. Wala bang 2 diagonal lines sa top right corner sa cheque mo? Or walang nakasulat na FOR DEPOSIT ONLY or FOR PAYEE’S ACCOUNT ONLY? I asked kasi kung meron, dapat ideposit mo ang cheque mo sa bank account mo

  87. Ask q lng po valid until po ba ang cheke sa bdo? And acceptable po ba ung tin id tska ung bagong postal id sa pag encash ng cheke?

  88. If I deposit in bank accnt is it possible to see my info by the reciever if they widrawn over the counter.I deposit through sending money outlet direct to bdo accnt.pls reply

  89. Hi yham, hindi kelangang mapa-update ang passbook para lang makapasok ang mga padala sa account. Basta tama yong bank name, account name, account number, papasok ang mga padala ng madam mo. Para sure, tawagan mo ang BDO, kahit minsan lang: International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000. Be ready with your name, account number and estimated total of deposits mo.

  90. Hi Apple, sorry, hindi mo maa-activate ang atm card mo while abroad kasi walang BDO machine diyan. Hindi rin puedeng mag-request ng atm PIN over the phone or thru email. You can activate your atm card when you take your vacation. Ang default PIN ng BDO ay any 6 numbers, kahit 123456 or 444444 or 654321. Pero dahil matagal na, you might need to go to your branch first before you can change your default PIN.
    Kelan yong huling remittance mo from abroad? Magkano ang balance ng account mo? Kung 10k pesos or more yong balance, your account balance is safe from any penalty, kahit Kabayan pa siya or converted na into a regular account.

  91. Ask ko lng po paano po ang gagawin o requirements na kailangn kc naiwala ko po ung papel na may laman ng password ng atm card ko kc Im wotking abroad at hnd p po ako nakakapunta ng bank sa pilipinad para e verify ung account ko.maari po ba ankong mabigyan ng copy or new password ng account na en open ko kc hnd ko pa naman po napapalitan ang password. Salamat

  92. Hi magandang araw po,tanong ko lang po paano po ang gagawin ko kase ung papel na may password ng atm ko ay naiwala ko po.Nag open po kc ako ng account s remitance dito sa dubai nung 2015 pa po nakakapag hulog naman po ako sa account ko pero ang woried ko po ay since hindi pa po ako nakakauwe ng pilipinas ay hnd ko pa po na aactivate ang atm ko,sa kasamaang palad po naiwala ko ung papel na may password ng atm,pero nasaakin po ung passbook ko at ung ATM card it self.pwede pa po ba ako mag request ng password ng account ko since hnd ko p naman po na papalitan kc hnd ko pa na aactivate. Salamat po sana po matulungan nyo ako s concern ko .

  93. Good evening! Ask ko lang po f hindi ba maging problema na Hindi na update sa passbook ko yong every send ni madam na pera sa kabayan passbook atm savings account ko. Kasi nadala ko yong passbook dto abroad. It’s me yam. Pls reply po thanks

  94. MAY LAMAN PO ANG ACCOUNT KO MOPRE THAN 10K PERO DI KO NAHULUGAN MORE A YEAR OR TWO. MAGSASARA DIN BA IYON O DI KAYA AY MABAWASAN ANG LAMAN?

  95. Hi po. Ask ko lng namatay na po ang may ari ng bank account with a half million balance. puwede po bang e claim ng anak ang pera? anu po ba ang processing para na claim ang pera. Sana po matulugan ninyo kami salamat po.

  96. Hi ask ko lng po kung pwede po ako mag pinabagong bdo atm sa ibang bdobranch pero ito pa rin gamit ko account number? Kasi po itong bdo atm ko ay 14yrs ko na ginagamit ko. Sa manila pa po ako nkapagopen nitong atm acnt ko. Nais ko pong palitan ng panibagong atm dto sa cavite.

  97. Hi Che, meron bang Mastercard or Visa logo ang iyong atm card? At na-change PIN mo na ba yan at a BDO machine here in the Philippines? If yes, oo, you can withdraw there abroad. Find an atm with the same logo as yours. Charge is US$3.50 per withdrawal; 1 dollar per balance inquiry; up to 5 withdrawals per day. Maximum withdrawal per day is 50k pesos (compute the equivalent amount in your currency there). Maximum withdrawal per transaction is 10k pesos.

  98. Hi! Meron po akong dollar account sa pinas, sa bdo. meron po akong atm at passbook. gusto ko sanang mag withdraw dito sa abroad. magkano po ba ang charge? magkano po ang maximum amount na pwede e withdraw? Salamat

  99. Hi po. Ask ko lng namatay na po ang may ari ng bank account with a half million balance. puwede po bang e claim ng anak ang pera? anu po ba ang processing para na claim ang pera. Sana po matulugan ninyo kami salamat po.

  100. Hi Esther, sorry hindi puede. Pang-cash lang ang cash card. Kung student ka pa lang or just starting to work, you can open a BPI Easy Saver atm account. Zero-maintaining ito, pero ang kapalit is merong 5-peso charge per atm withdrawal. Mas okay na kesa ma-charge ka ng 300 pesos for not maintaining a balance in your account. Puede ring mag-open ng mga low-maintaining accounts. Choose among these: Low-maintaining-balance accounts. Para sure, when you open an account, pagsabayin mo nang i-deposit yong initial deposit mo na cash plus yong cheque mo.

  101. Hello po ask ko lang po kung pwede po bang ideposit ang checque sa bdo cash card. Nakalagay po kasi for deposit for payee’s account only

  102. Ask ko lang po maam what if sumobra k aq ng withraw sa bdo kabayan ko ilang days po kya hhntyn ko ulit pra gumana eto ulet

  103. Hi Mayca, yes, puede, pero dapat another account type. Halimbawa, kung passbook with atm ang first account mo, puedeng mag-open ng atm-only account.

  104. Can I open another account at BDO? Kasi I already have one so nagdedecide ako na mag open ulit ng account. is it possible po?

  105. Hi Anne, sorry I wasn’t able to reply to you immediately. I hope you have made a withdrawal already. Yes, puedeng withdraw over the counter in another branch (merong charge). Bring your IDs. Pero take note na merong branch na in certain cases, hindi sila pumapayag lalo na kung atm account. Try mo na lang.

  106. Hi. Can i withdraw cash over the counter at any branch using my payroll debit card. Issued by our company. Since sarado yung sa ayala alabang branch today? Nablocked kasi yung atm card ko kaya di ako makawithdraw sa atm machine. Thanks

  107. Hi ask ko lang po f pwede po ba akung mgwithdraw sa account ng ate ko over the counter kasi po umuwi sya ng province kaso wala pong bdo branch dun kaya pingwwithdraw nya ko dito sa manila .. .need ur answer .salamat po

  108. Hi nelson, do you mean passbook? Yes, merong charge, 100 pesos. Merong mga branches in some provinces na ayaw magpawidro over the counter kapag another branch ang account.

  109. Gud day..ask ko lng po sana kung my charge pag ngwidraw k ibang branch ng bdo gamit po passion…kung meron po mgkno po?salmat po

  110. Hello, I am a bd card holder. is it OK to change 1 thousand bill into 50 pieces of 20 pesos bill?

  111. Hi glen, yes, basta mag-match exactly yong signature ng mama mo sa withdrawal slip at sa signature niya sa BDO files. Bring all your IDs. They might ask for additional IDs or questions kasi 50k ang winiwidro mo.

  112. Hi mark, try to withdraw from the nearest branch. Yong ibang branches, sasabihin nila withdraw from your branch, pero try mo lang. If you withdraw via the atm, makukuha mo lang 11,900, maiwan yong 99.50. Puede mong ibili ito sa Watson or SM supermarket ng item na worth 99 or 99.50 by swiping at the cashier.

  113. Hi po. Merun po akong kabayan saving acount kaso naging regular passbok na with remainaing balance php11,999.50 .tanung ko po pwde ko po b ito ma withdraw lahat?my charge po ba? Any branch po pwd mg withdraw? Sayang po kc ung amount need ko pa naman. salamat po

  114. If i open a savings account without passbook, can i withdraw over the counter parin ba incase not working ang ATM?

  115. hi po, may bnili po ako sa mall, gnamit ko po ang debit card ko.. nag eerror po sbi ng counter, i tried again sa iba gnun dun error pa din. anu po possible reasons? may balance pa nmn po akong 4thou.. saturday po yan, hindi po kya dhil saturday?

  116. Hello po!

    Ma’am Nora, ang tanong ko po ay ito may account po ako sa BDO sa ibang city po, ngayon po sa ibang city na po ako nakatira, puydi po ba yung account ko sa city namin magamit sa ibang branch bdo sa present ko po na city na tinitirahan ngayon? Salamat

  117. Hi april, kapag ang BDO payroll account ay inopen ng company for their employees at ibinigay na lang sa inyo yong card, usually ito ay exclusive at pang-payroll lang talaga. Ikaw ba mismo ang nag-open ng account sa BDO? If ikaw mismo ang nag-open, yes, you can deposit over the counter to your account.

  118. I recently applied for a payroll account pero at the same time, peso savings na din daw yun. Atm Debit card sya. Yung bago nila naun na may chipcard.
    Pwde ko kaya un mahulugan ?

  119. hi mam nora.. ask ko lang po kng nakapag withdraw n ako ng P50,000 today tapos nag shopping kami sa SM pero ill use my bdo atm to pay.. is that possible even i reach the maximum o
    f 50k?

  120. Hi marian, yes, dapat sa BDO branch mo mismo. Present your valid IDs. Merong charge. Kung Batangas ang branch mo, at you are in another place, ask mo na ngayon pa lang ang BDO branch diyan, kung puede ang interbranch over-the-counter withdrawal, so you can prepare, kapag halimbawa ayaw nila.

  121. hi,ask ko lang naiwan ko yung atm debit card sa batangas tapos hindi pa sha activated kaso 1month pa bago ko makabalik and i need to withraw the money on the 15th, pwede ba ako magover the counter kahit wala yung card and hindi pa sha activated or hindi ko pa na chachange yung pin?

  122. Hi po ask ko if pwede akong mag widraw through representive ng asawa ko sa kanya kc naka pangalan. Maypira n din nia

  123. Hi Jhen, usually they mean it’s not for depositing cheques. Is this BDO? I’m sad they’re doing this. I bet they want to prevent people from opening accounts just to deposit a cheque, and then close the account after a month. Maybe after 12 months, you can ask them if your account can already receive a cheque deposit, since you’ve already proven you can maintain an account not just for cheque encashment. About online transactions: Yes, you can enroll your account in online banking. Yes, your foreign employer can remit to your account. Yes, people can send money to your account online if their banks offer local online interbank transfer services.

  124. Hi po. I recently opened an ATM only savings account and they say it’s cash deposit only. Ano po ibig sabihin nun? Pwede po ba akong magdeposit online? I mean, if I have an online job, and I will cashout my earnings, madedeposit po ba yan sa account ko? And can I register it online? Thanks po for answering. ????

  125. Hi po. I recently opened an ATM only savings account and they say it’s cash deposit only. Ano po ibig sabihin nun? Pwede po ba akong magdeposit online? I mean, if I have an online job, and I will cashout my earnings, madedeposit po ba yan sa account ko? And can I register it online? Thanks po fr answering. ????

  126. Hi J, I think so — that they’ll issue you an atm card upon request. If there’s a reason that they no longer allow this, then open a passbook-with-atm-card account, after which close your passbook-only account. About closure: close it after 30 days, as there’s a penalty for closing an account within 30 days after opening.

  127. Hi eman, meron na bang 1 month ang account mo? Yes, puede. Pag 0.00 ang balance after you withdraw, it will be automatically closed.

  128. pwede po ba iwidraw lahat ng balance mo sa bdo peso saving??for example 12,000 balance mo,pwede mo po ba ito iwidraw lahat?

  129. pwede ko po ba iwidraw lahat ng balance sa bdo peso savings account q?for example ang balance ay 12,000 pwede ko po b ito iwidraw lahat??

  130. Hello Nora. The problem is I only applied for an Passbook ONLY Savings account option instead of Passbook AND ATM option. I just found out that an ATM number is required to register for online banking. Question is Will the BDO branch still give me an ATM if I request for it?

  131. Hi J, if you already have activated your atm card, then yes, enroll in BDO online banking. Just click Online Banking Login, then “Enroll now!” at bdo.com.ph

  132. Hello. I recently applied for a BDO Passbook Savings Account. Am I eligible to register an online banking account to check my balance?

  133. Hi Reyn, I hope nakawidro na kayo uli. Pag hindi pa, sa over-the-counter na lang kayo magwidro. Sabihin nio hindi kayo makawidro at ang response ng machine ay ____. Pag other BDO branch, merong 100 peso charge for interbranch withdrawal charge.

  134. Hi..mareach n nmin yung 50k n limit..nka more than 24hrs.na bkit ayaw p din mg release ng money..any idea about it..thank you

  135. Hi Dennis, puede kang magwidro using your atm card. Kung gusto mo na mapalitan yong passbook mo, present a notarized Affidavit of Loss and your IDs at your branch in person. Kung ang tanong mo naman is puede ba makuha/manakaw ng iba yong laman? May konting possibility, meaning puedeng mawidro ng iba ang pera mo kung magaya nila exactly ang signature mo na andon sa BDO’s records, at kung meron silang maipakitang ID na ID mo halimbawa i-require ng teller. So it’s wise pa rin to report immediately the loss of your passbook at ipa-hold. Call 00-800-8-631-8000 or 00-632 631 8000.

  136. Hi Mrs. Nora ask ko lng po kung ano po mangyayari sa savings ko kung nwala o may hindi magandang nangyari sa passbook ko..?paano po ita mkukuha?

  137. Hi Mero, yes, pero merong interbranch fee na 100 pesos. Pero merong case na kapag hindi nila ma-access yong signature ng asawa mo, usually papupuntahin ka sa branch nio. Dapat dala mo ang passbook at ID mo at ID ng husband mo kung meron. About the old withdrawal slip, hindi ko sure kung i-accept nila. Makiusap ka na lang. Sabihin mo yan yong form na nadala ng asawa mo sa abroad.

  138. Hello mrs nora pede po ba ako mag widraw sa kahit saang bdo branch? representative lang po ako..at ung old wudrawal slip gamit na may signature ng asawa ko..salamat po maam nora sana po matugunan niyo po ang tanong ko

  139. Hi dencio, have you changed your atm PIN at a BDO machine here in the Phils? Does it have a Mastercard logo? If yes, find an atm with mastercard logo and make a balance inquiry. The charge will be 1 US dollar.

  140. Hi Macoy, ayaw din ba ng BDO na tanggapin yong cheque for deposit to your Kabayan account? About depositing a Philippine cheque to a bank abroad, depende sa bank branch mo abroad, you need to ask. If they accept, there would be charges, since they’ll be making a foreign transaction, and it will take some time. Another option: your sister calls your former company, and ask if she can present a SPA from you so they can reissue your check in her name.

  141. Good day Ms. Nora ask ko lang po kung pwede pong i deposit ung BDO Cheque sa foreign bank?. For deposit lang po kasi sa account ko ung cheke from my previous company wala naman po akong philippine bank account maliban sa kabayan savings. Hindi rin ma encash ng sister ko kahit may SPA na kami dahil for deposit only lang ung cheke. May iba pa po bang way? Thank po

  142. Hi Mero, sorry hindi ko ma-sure. Pero most likely puede. Subukan mo na lang. Ang alam kong mas importante ay yong signature niya. Dapat makita nila na exactly the same yong signature ng asawa mo sa withdrawal slip at sa records nila

  143. Sirnasa abroad po kasi asawa ko.nagpadala po siya ng widrawal slip para mka widraw ako sa account niya kaso ang problema po ang napadala niya na widrawal slip is ung luma po na widrawal slip..pero my id at hand written authourization po siya at ang pasbook po niya nasakin..ask ko lang po if ok na po ba ung luma na widrawal slip niy na my perma niya

  144. Hi Lani, yes, your husband can send money to your BDO account. Just give him your account name, account number (12 digits, with 00) and branch name. Check your balance sa atm the next day or within 3 days after he sent money to your account.

  145. Hi just want to ask if my hubby can send money using bdo accnt.passbook,how po?just giving him b my accnt.num.and name?panu ko malalaman if just in case nakapasok na ung pera tnx.po

  146. Hi Berni, palagay ko hindi nila agad idede-activate kasi payroll account. Nako-close lang ang payroll account after a certain period na walang deposit. Besides, meron pa silang ine-expect na “to-be-returned” so they will let your account stay active. If you can deposit the money back today or within the next few days, then deposit it back, pero kung wala talaga, siguro ipagpalagay na lang na you did not notice the over-withdrawal, na you’re the type of person na hindi nagku-kwenta, puede naman siguro na it can wait until Nov 15. If they call, sabihin mo na lang na you don’t have 5k at the moment, and will they please get the money back on Nov 15, your next payroll.

  147. Hi celine, sana tinanong mo kung bakit naka-float. Kung dollars naman na na-remit, dapat hindi ganon katagal. Next time siguro, huwag na sa BDO magpadala kung ganon ang practice nila. Baka mas okay pa na for cash pickup in dollars na lang.

  148. Hi! ask ko po sana kung bakit hindi ko ma withdraw ang dollars na idineposit last nov.2 sa akin kabayan account…sabi ng teller ay naka float pa daw at hindi pa pwede i withdraw, sa nov.9 pa daw ito pwede i transact for withdrwal.bakit po ganun?

  149. maraming salamat po sa pag sagot. although i’m intending to deposit back naman, i’m thinking of just using the excess money for now. since my bdo account is also my payroll account, on november 15 ay maipapasok naman ng employer ko ang salary ko, and since negative 5k sya, ibabawas lang naman siguro yun sa salary ko.

    okay lang naman po siguro kung pabayaan ko nalang po munang negative for now? or maiinstant deactivate po yung account ko? salamat po

  150. Hi Berni, BDO will call you and inform you about the over-withdrawal and will ask you to deposit back 5k. They might send you a demand letter by postal mail or courier. You’ll be on their watch-out list. I doubt if they’ll sue as the amount is only 5k, but they might make your case as an example.

  151. ano ang mangyayari kung nag over-withdrawal ng 5k, late nag update online at nag appear na negative 5k ang account ko ngayon. and as per checking my records, sobra nga ang nawithdraw ko. what are the implications kung hindi ko nalang ibalik? what if lang naman

  152. Hi Rosel, malamang closed na ang account mo, kasi kahit meron pang centavos na natira noong August, na-charge na siya ng 300-peso penalty noong September, so naging negative balance na siya, at automatically na-closed na. If you like to call BDO, call 631 8000

  153. regarding sa atm account po. ilang months po bago ito madeactivate since naubusan na po sya ng pera since august until now. sa ngayon po ay di ako makapunta sa branch para magtanong. kaya dito na lang po salamat.

  154. Hi Len, yes, kung passbook account ang account mo. Bring your IDs. Merong interbank charge. If your account is atm-based, most likely they will ask you to withdraw at your bank because you’re withdrawing a big amount.

  155. Hi Djoana.arroyo, sorry hindi nila tatanggapin. Dapat cheque na nakapangalan sa iyo ang idedeposit mo sa account mo.

  156. Hi Ethel, yes, pero merong charge na 100 pesos. Show at least 2 valid IDs. Meron ding branches na sasabihin nila na magwidro ka sa branch where you opened your account.

  157. HI Po goodafternoon..Na misplace ko po ang BDO Debit card ko.Pwede po ba akong mag withdraw over the counter?

  158. Hello ask ko.lang po if pwede mag deposit ng cheke sa account ko kahit nd sakin Naka pangalan ung cheke?

  159. Hi Rish, kung student pa lang, at yong school ID mo ay digitized at merong photo, your signature, signature of school head and validity dates, dapat tinanggap. Meron ka pang supporting docs. Anong advice ng teller? Yan ba ang branch ng nag-issue ng cheque? Try mo doon sa issuing branch. Kung ayaw pa rin nila, open a BPI Easy Saver account at BPI Family Bank. Ask them kung puedeng initial deposit mo ay cheque at cash.

  160. Hi po ask ko lng po bakit hnd po tinaggap ung school id ko and pagibig loyalty card and baranggay id 3 po pinakita ko para sure kaso hnd po tinanggap papapalit ko po kasi ung cheque ko. Ang sungit pa po ng teller. -.-

    (Shawbldv. Stanford. Bdo)

  161. Hi Gelo, hindi naman crossed ang cheque mo? Kung branch mo siguro yong BDO branch na nasa SM Mall, baka puede. Kung okay sa kanila, palagay ko up to 4pm lang. Sorry I haven’t experienced encashing on Saturdays. I deposited a cheque on a Saturday at a mall branch; they accepted it, but they told me it would be deposited the next Monday.

  162. Hi jon, uncrossed ba ang cheques mo? Meaning walang “For payee’s account only”? If yes, you can encash your cheques at any branch. Bring your IDs. But you will be charged for interbranch encashment; maybe 100 pesos each.

  163. yung cheke ko po ay galing ng BDO Quezon Branch at yung isa ay sa Las Piñas. pwede ko po bang i-encash yun sa kahit anong branch ng BDO?

  164. Hi Dan, sorry ang Metrobank online banking ay walang fund transfer to another bank. Sa RCBC, meron, pero sa Bancnet bank lang. Megalink kasi ang BDO. Hindi pa full yong Bancnet-Megalink merger. So ang option mo is to send to the BDO cash card through a BDO remittance partner diyan. Kung generic cash card, up to 10k pesos lang ang puedeng ma-contain ng card at a time. Pag merong name on the card, up to 25k pesos.

  165. Hi jenalyne, if you have withdrawn via the atm the equivalent of 50k pesos today, you have no other option other than to wait for tomorrow to make your next withdrawal. If you were in the Philippines, you would have been able to go to the BDO counter and withdraw more, but since you’re there in Malaysia, you just have to wait for tomorrow.

  166. hello,what should i do when my account has limit exeeded am in malaysia how can i withdraw my money on my atm

  167. Thanks sa reply Ms. Nora, dito kasi ako abroad. Possible kaya yun na (1) bank transfer from RCBC or Metrobank to BDO Cash Card o (2) sa remittance center dito?

  168. Mag 1 month na po na hndi ko nakuha atm ko sa bdo mula nung nag open ako ng account. Pag kumagpas po b ng 1 month hndi n mkukuha ang atm.. tnks po

  169. Hi Dan, kapag cash card ang depositohan mo, 16 digits ang card number. It’s a card number, not an account number. Ang cash card kasi ay reloadable card lang, hindi siya savings account. There’s a fee to deposit to a card number. 15 pesos yata ngayon. So if there’s a cash accept machine sa branch na pupuntahan mo, yon na lang ang gamitin mo. Free deposit. Touch mo yong “Cardless Deposit” sa screen.

  170. Hi, ask ko lang since 12 digit ang account # sa BDO, ganun din ba sa BDO Cash Card. Kasi kailangan ko mag-deposit sa account ng pinsan ko. Card # naman binigay niya, at yun din daw yung account #. Eh 17 digits yun.

  171. Hi she, ang ibig mo bang sabihin ay na-issue ang cheque by a bank in Metro Manila? At i-encash mo sa branch ng bank in Bicol? First, sabi mo postdated check, dapat i-encash mo lang yan on the date of cheque. Hindi ba crossed-check yang tseke? Yong merong 2 diagonal lines sa top-left ng tseke? Or walang nakasulat na “For Payee’s Account only”? Kung hindi crossed-check, yes, puede mong i-encash diyan sa branch sa Bicol, basta online yong branch, at most likely merong charge. There are also times that the branch will advise you to deposit the cheque in your account.

  172. hi, good day. tanung ko lang po, pwede po ba e enash ang post dated cheque sa ibang branch?, let us say nadeposit cheque sa manila then e encash sa bikol, is it possible po?thanks

  173. Hi Alexandra, are your checks not crossed checks? Just bring your IDs. Make sure you are signing at the right space at the back of the check. If you’re not sure, do not sign yet until you’ve asked the teller.

  174. Good evening! May I know the requirements/things to know for encashing checks in BDO? Thank you in advance.

  175. Hi gerry, I just called BDO and they said yes, you can remit to your payroll account from abroad. That will be a signal that you intend to use your payroll account as a regular account. From now on, you will need to comply with the 2k maintaining balance requirement. Just a suggestion: ask your remitter how much you will pay if you want to send an amount in peso, meaning the foreign currency-to-peso conversion happens there abroad. I’ve observed that BDO uses a very low conversion rate when converting a foreign currency to peso when the remittance is deposited to an account.

  176. Hi Rowena, I just called the BDO customer service now, and they said yes, but you need to visit your branch of account and convert your payroll account into a regular atm savings account. You will then need to comply with the 2k maintaining balance requirement. If you’re already in another place, it might be better to open your own BDO atm savings account. It will be your own. You just need 2 valid IDs, 2 ID pictures and 2k for maintaining balance. Other options: There’s a BPI Family atm savings account whose maintaining balance is only 1k. There’s also this BPI Easy Saver account

  177. hi, pwede po b mgdeposit sa payroll acount pero from abroad mgdideposit? active p kasi yung payroll acount ko for any ttansaction. malaki kasi charge pgng withidraw sa kabayan mastercard kahit dito pinas. thanks sa reply

  178. Hi Bryan, hindi puedeng ideposit sa friend’s account mo ang cheque mo kasi name mo ang nasa cheque. Dapat ideposit mo sa account mo kahit anong bank, basta pareho yong name sa cheque at sa name ng account. Kung yang cheque ay walang 2 diagonal lines sa top left corner or walang naka-mark na “For Payee’s Account Only”, puede mo yang i-encash over the counter sa MayBank. Present your IDs.

  179. Hi Marivel, puede mo lang mawidro yong pera mo over the counter at BDO here in the Philippines, or diyan sa abroad if your atm card has a Mastercard or Visa logo and you have changed your default PIN when you were in the Philippines. The person you trusted with your passbook, puede nilang mawidro yong pera mo kung matulad nila exactly yong signature mo na nasa BDO system,at kung nagkataon na yong teller hindi na ni-require ang valid ID. So better call BDO 00-800-8-6318000 to put on hold your money.

  180. Hello po ask ko lng po kung pwede I withdraw ung pera ko from passbook kc kc pina virefied ko lang po sa iba?eh ung passbook ko po d binabalik sa akin.eh nasa abroad po ako mg 4month n po kc.worried n po kc ako.

  181. Hi. May nagbayad sa akin nang cheque(maybank) and i want it to deposit in my friends Bdo savings account. Is that possible?

    If Yes, Saan pong banko ako pupunta para ideposit ito?
    Sa mAybank or sa BDO? Thanks.

  182. Hi jojo, yes, the maximum atm withdrawal per day is 50k. After this 50k atm withdrawal, you can go inside the bank and withdraw over the counter for free (but if done at another branch, you might be charged 100 pesos for interbranch withdrawal). Today, you can try withdrawing 50k, and if not successful, go inside and withdraw over the counter. Inform the teller the machine has denied your atm attempt; ask her if it was because of your 50k atm withdrawal the other day. Present withdrawal slip, your ID and your atm card.

  183. Hi Mae, yes, interbranch withdrawal is allowed, with 100-peso charge. I’ve experienced interbranch withdrawals in Metro Mla. Yes, I think you can withdraw 500k over the counter. We’ve asked this question at a BDO branch in La Union before. Wala naman yatang BDO branch na too small na walang ready 500k on any day. But to be sure, call your branch today and ask. List of BDO branches nationwide and contact info

  184. Hello, my bibilhin kasi kaming lupa sa province. And the seller only wants cash,ayaw ng cheke etc wala din sila bank accts. Heres my question, 500k over the counter withdrawal sa bdo allowed po ba ganun kalaki amount? Interbranch transaction po. Thanks!

  185. after withdrawing 50,000 , ibig sabihing po im done with the limit per day. so the following day po ba pwede na ulit mag withdraw? kasi po sinubukan ko yung procedure the following day,hindi po ako maka transact.

  186. Hi Tom, yes, puede, pero withdraw at your own branch, para mas konti ang charge, at para sure kasi new account pa lang. Kung merong passbook, walang charge ang over-the-counter (OTC) withdrawal. Pag atm-only account, there’s a charge for OTC withdrawal. There’s also another charge for withdrawing OTC at another branch.

  187. Hi po. Tanong ko lang po kung pwede mag over the counter withdrawal sa kahit saang bdo branch? Wala pa kc yung card for my account kaya di pa maka atm withdrawal. Thanks.

  188. Hi Juvy, yes, papasok dapat yon, kasi alam naman ng BDO yong 00. Yong pag-credit sa account, puedeng the same day, or the next day, depende sa remittance company.

  189. Hi po. Required po ba ung 00 na ilagay before the 10digit acct number for remittance? Ang nangyari po kasi, nairegister ko ung acct number ko without the 00 sa remittance center dito sa ibang bansa. Papasok po ba un sa acct? Tska ilang oras po bago magreflect sa acct ko? Thanks.

  190. Hi Lynn, yes, idagdag mo na yong 00 sa unahan ng 10 digits mo. 🙂 Merong teller na oks lang na 10 digits; merong teller pinapasulat yong 12-digits. Sa online funds transfer, 12 digits ang required.

  191. Hi. Ask ko lang po. Kaka open ko lang kasi ng bdo account 5days ago. Yung binigay na account number sakin 10digits lang po. If may mag deposit po ba sa account ko kailangan ko ibigay sakanila is 12digits? Do i need to add 00 sa account number ko? Thanksin advance 🙂

  192. Hi flor, yong check mo ba ay hindi cross-checked na dapat ideposit? If ok for encashment, yes, you can encash there but there will be a charge, and you might be made to wait while they verify the signature on the check and if it’s funded with the BDO Taytay branch

  193. Hi Marie, sad to say, most likely hindi ka makakakuha, kasi paano mo i-prove sa BDO na ikaw yong nagdeposit? Ang makakakuha niyan ay yong account owner. At usually merong charge kasi magre-retrieve sila ng document. Pero kausapin mo na lang yong account owner na nagdeposit ka na at sabihin mo na tingnan na lang niya sa online banking niya. Sabihin mo yong amount and date and time ka nagdeposit at yong branch where you deposited.

  194. Hi, ask ko lang po . Nawala ko po kasi yung receipt ng pag ideneposit ko sa isang account. Tapos nanghihingi na po yung may ari ng account ng resibo. Pwede ba akong makakuha ng bagong resibo? Please help me 🙁

  195. Hi po…ask ko lng po jung pwede po bang mgwidraw ng dollar khit saang branch ng bdo?kasi po ng.open po ako ng dollar acc s manila at uuwi ako ng mindanao…kung dun ko po wiwidrawhin s mindanao, mkakawidraw po ba ako ng dollar?ang wiwidrawhin ko po kc is about 2500usd…slamat po

  196. Hi Dian, I think your cash card is still active. You can make a balance inquiry at a BDO atm to check. BDO says it might impose a fee on cash cards not used for more than 6 months, so it’s better that you go to your branch and ask.

  197. Hi Vishu, there’s no maximum limit on the amount of money that you can withdraw over the counter. You can withdraw all your money if you like. If your account is an atm-only account, and you’ll be withdrawing more than 50,000 pesos, you will be required to withdraw 50,000 pesos first from the atm then withdraw the rest over the counter.

  198. HiNora please don’t ignore my inquiry, is there a limit for cash withrawal over the counter? Please response

  199. Hi i have a bdo cash card which was dormant for 1 year and 6 months. Can i still activate it? Is there a fee? How much?

  200. Hi asuncion, is your cheque uncrosssed? You can try, but I think there’s an interbranch fee. Sorry I’m not sure. What I’m sure of is they charge a fee for interbranch withdrawal over the counter so they might also charge interbranch encashment. It’s okay to ask first. If the line is long, you can ask those sitting on the lower counters.

  201. hello ms nora. i just want to know if i can encash my check to any bdo branches. malayo kasi yung issuing na branch at my malapit sa work place ko. pwd ba dun na lmng

  202. Hi Jhen, yes, that’s okay. Most checks are valid for 6 months, but it’s always wise to encash or deposit as soon as possible because of the possibility the issuer faces financial difficulties. Some government checks have validity dates.

  203. Hi, until when is the validity of a check once issued? Im planning to enchash my last pay check a week after the date it was issued. Is it okay?

  204. Hi,

    We have BDo payroll cash card.
    Would it be possible for me to get a Transaction history of my card?

    🙂

  205. Hi Roneth, yes, your Kabayan account can receive any amount of money. Technically, there’s no maximum limit. To comply with money laundering laws, BDO might check first the source and purpose of the remittance before crediting the amount to your account. If it’s a local transfer within the Philippines, it will be credited immediately or within the time frame of the type of transfer taken.

  206. Hi Regs, sorry you cannot encash that cheque because the payee on the cheque is not your name. If your brother has a bank account, deposit the cheque to his account. If none, ask the bank branch that issued that cheque if you can present a SPA to encash the cheque. If the bank refuses, ask the issuer of the cheque if your brother can write an authorization to them so they can reissue the cheque in your name

  207. Hi can I encash the cheque issued to my brother? He signed at the back of the cheque. He’s not here in Pinas. What can I do to encash the cheque? Thanks a lot

  208. hi! I just want to ask. my friend wants to transfer money in my account worth of 2M. but my bdo account is kabayan peso saving. it is okay?

  209. Hi Norsheen, is yours a BDO account? Visit your branch with your ID and ask for your correct account number — it should consist of 10 digits (12 digits if you add 00 at the start). Or look for your initial deposit slip and check your account number.

  210. hi! my friend want to deposit some money in my account number. but i only have 9 digits. and the deposit can’t be processed because my account number lacks one digit. What should I do? my friend is in europe. thank you

  211. Hi, I just want to ask if I can fill in the check that I got from BDO. (I recently open a Checking account)in a hand written way before I can issue it to somebody, with my signature at the bottom. Please advise Thanks,

  212. Hi Jihye, if it’s not closed, why do you need an ID in relation to your account? You can withdraw using your atm. If you need a valid ID, then obtain a new ID. Apply for a digitized postal ID.

  213. Hi anthony lowes, yes, you can withdraw at any branch. You’ll pay an interbranch withdrawal fee. If your account has had no deposit or withdrawal for 2 years or more already, most likely it’s dormant already and has been put on hold. If this is the status, you should visit your branch of account with at least 2 valid IDs to reactivate your account. If not sure, you can try withdrawing at any branch. They’ll tell you the status of your account.

  214. hello. can I withdraw over the counter using my passbook at any bdo branch? But my passbook has not been updated since 2014 when I had my last transaction..

  215. Hi Jane, yes, if her account is a passbook account. Bring her passbook and your IDs. She should sign the withdrawal slip. Her signature should be exactly the same as what is on the BDO system.

  216. Hi. Can I withdraw over-the-counter in behalf of my sister (will withdraw from her account)? Thank you!

  217. Hi Jihye, is your account closed? Do you have a balance in your account? BDO does not reactivate closed accounts. Obtain new IDs, so you can open a new account with unexpired valid IDs

  218. Hi Jan, yes, there are BDO branches whose codes start at zero. Then if you add the 00 code for savings, that would be 3 zeroes. Your full account no. should be 12 digits.

  219. Hi Che, if your sister was able to check your balance, your account must still be active. Try using this BDO Remit Status Inquiry. If the tag of your account is still “payroll,” it might not be able to receive a remittance. If the remittance does not appear in 5 days, you either call BDO from there overseas toll free or amend your remittance from deposit to CASH PICKUP so your sister can just claim over the counter at BDO. When she claims the remittance, she brings her IDs so she can apply for her own Kabayan account, if you decide so.

  220. Hi, i have a savings acct that came from my company which is where my salary is being deposit but i already resigned last year. The last transaction was made i think is december 2015 or january 2016 which is a deposit then on april 2015 a withdrawal was made and nothing else follow.. id like to know if my savings acct is still active because an exchange company here in UAE says that it is deposited because my sister checked thrice but there is no balance appearing..

  221. Hi! I just want to ask, what will happen to my account? Because my ID’s are expired and i forgot to renew.

  222. Hi jp, those IDs are not primary IDs because there are no photos, or the photos are not clear or not embedded, but if those are the only IDs that you have, you can try. If the teller refuses to encash, ask her if they accept the new digitized postal ID, so you can get a postal ID.

  223. Hi jp, your SSS ID is enough to encash your check. But you can bring your police clearance and NBI in case additional ID is required (usually if the check amount is big).

  224. Hi michelle, yes, most branches allow interbranch withdrawal. You’ll pay 100 pesos for interbranch withdrawal and maybe another 100 for over the counter withdrawal if your account is an atm-only account. Bring your IDs in case they’re required.

  225. Hi! I want to withdraw my savings from my own check account. Can I do it in any BDO branch?

  226. Hi Karen Grace, sorry I’m not sure. Is your BDO branch here? Try at your branch. Bring your IDs. If allowed, you’ll pay 100 pesos.

  227. Hi, I’m Karen i forgot my atm in the province. Can I withdraw my salary using my account number? Thank you.. 🙂

  228. Hi sayaka, is the BDO branch where you encashed your check not the branch written on your check? If yes, the 100 is for interbranch encashment. Please write again if it’s the same branch — I’m curious if there’s another fee to be learned.

  229. Hi Justin, valid IDs are company ID, SSS ID, passport, driver’s license, voters ID. But if you don’t have any of these, you can try presenting those docs that you have. If they don’t honor those, ask them if they honor the new digitized postal ID, so you can apply for a postal ID in your local post office.

  230. Hi! Please help me. I need to encash my Check from BDO. What valid IDs do they honor?

    Will a police clearance, nbi clearance, and a nso birth cert do? Thanks.

  231. hi…i encash my cheque last monday may 23,2016.the teller said minus 100 pesos. i wasnt able to ask why. thank you!

  232. Hi Paolo, if your account is a passbook account, you can withdraw over the counter at any branch. You’ll pay 100 pesos; could be 150 now. Your signature on the withdrawal slip should be exactly the same as the one on their database, or else they’ll ask you to go to your branch. They might ask certain verification questions first and ask for more valid IDs if you withdraw 500k or more. They could also have a maximum amount for interbranch withdrawal — I’ve tried only up to 180k. If your account is an atm-only account, they’ll ask you to first withdraw 50k from the atm (the maximum atm withdrawal amount per day), and then withdraw the rest over the counter (with 100 to 150 interbranch fee).

  233. Hi, Can I withdraw a large amount (100k – 1M) over the counter from any BDO branch other than my personal one? Will there be a fee and how much? Thanks.

  234. Hi roana, sorry BDO won’t honor expired IDs. I’m not sure if they now honor the new digitized postal ID. What I’ve read is that the DFA now honors this digitized postal ID for the issuance of a passport, which is a primary valid ID.

  235. Hi jing, usually your ID is not required, as long as you have your passbook, your signature is exactly the same as your signature in their records, and you’re not withdrawing an amount in the hundred thousands. Yes, one ID should be enough if they need to see it.

  236. HELLO po. Do I need 2 valid ids to withdraw using my passbook. I’ve only one valid id. tnx

  237. Hi Jade, sad to say, banks do not honor authorization letters for check encashment. You can call your sister’s former company and ask if your sister can give them an authorization letter so they can replace their check and issue the replacement check in your name. Another option is to go to the bank branch written on the check and ask if your sister can send you a SPA so you can encash the check with them.

  238. Hello. How can I encash my sister’s cheque if she is already in Canada? She doesn’t have an account in BDO. This cheque was her quit claim from the last company she worked with here in PH. Can my sister just issue an authorization letter so I can encash it?

  239. Hi Riann, since you’re using your passbook, and it’s over the counter, there’s no maximum limit for withdrawal. You can withdraw as much as you want. They might ask for IDs if the amount is big.

  240. Which valid ID would be presented in encashing payroll Check, primary id or secondary ID? What are those primary id and what are those secondary id?

  241. Hi augie, since this is a deposit, there will be no requirements other than to fill up the BDO check deposit form. If the back of the check has a designated space for payee’s name and account no., then she can write your name and account no., but not sign. If there are no designated spaces, or she’s not sure, she should not write anything until the teller tells her what to write and where.

  242. hi Nora, i have a check under my name from other bank and my wife will deposit it under my bdo account in my behalf as i am abroad, what should she do and if there are requirements, what are they?

    thanks a lot

  243. Hi Marvin, yes, you can withdraw US dollars at any branch, except at branches where they have run out of US dollars at the time you withdraw. Interbank withdrawal fee is 100 pesos; sorry I don’t know if it’s the same with US dollar accounts.

  244. Hi. I have a kabayan us dollar account. When I get back home, can I withdraw US dollars at any branch? Or only at my branch of account? Is there a withdrawal charge? Thanks po.

  245. Hi Carla, sorry I’m not very sure, but BDO’s account number usually consists of 10 digits, excluding the 2 zeros. Double check the number.

  246. Hi, is it possible for an account number to on ly have 9 digits (excluding the 2 zeros)?

  247. Hi erik john, NBI clearance is usually considered a secondary ID, but you try. Bring additional identification document. Ask the bank if they accept the new digitized postal ID so you can apply for this ID. If you have a bank account, it’s easier to deposit your cheque to your account.

  248. Hi Carmie, do you mean the remittance was sent to your BDO account? Yes, you can withdraw at any BDO branch in QC. You’ll pay 100 pesos. Bring your ID in case they require it.

  249. Can I withdraw at a BDO branch here in QC using my passbook? Even if the remittance was sent to the montalban branch?

  250. Hi mrs Nora. Is police clearance considered a valid ID if I I encash my cheque? I lost my valid ID po.

  251. Hi Aries, yes, you can deposit your papa’s cheque to his account. Anyone can deposit cash or cheque to your papa’s account. How to deposit? Go to your papa’s bank. Fill up the Check Deposit slip. Write your papa’s account no., account name, date. Look at the columns. You’ll write the name of bank that issued the cheque, branch, cheque no., amount of cheque, total amount. Sometimes there’s a stamped space where you write your contact no. Present the cheque and deposit slip to the teller. Usually the teller will ask you to write your papa’s name and account no. at the back of the cheque. Be careful when writing at the back of the cheque. Write only on the correct spaces allotted.

  252. Can I deposit my papa’s cheque to his account even if it’s for cash deposit only. the teller told me I can deposit to his account even if he is abroad. what’s the process of depositing a cheque. I’m the child of the account owner.

  253. Hi Matesh, do you mean you and your lolo have applied for a new card, and that they will issue the card after your lolo gives his US TIN no.? I asked because you need to make sure of the requirements so your lolo will go to BDO for just one last time and you’ll spend for his transpo for just one more time. Sad to say, but your lolo will really need to go and claim his new atm card. The BDO officers will be liable if they give your lolo’s atm card to another person, even if it’s a spouse, child or grandchild — this is why they’ll really require your lolo to accept his card himself.

  254. Hi Christopher, they charge 100 to 150 pesos for a replacement atm card, but sorry I don’t know if they charge for a replacement passbook. Most likely, they do not. Just bring your ID and damaged passbook.

  255. Hello po. My lolo’s atm card got lost. He’s disabled and can no longer sign; only thumb marks. We went to BDO for replacement of lost card together with my lolo. But unfortunately they need his TIN from the US so he was not issued a card. And then they said my lolo should claim the new card. My lolo can no longer walk. We just forced him to go with us. And he can no longer go back to claim the card as it’s a hassle for us. What should we do? Thanks

  256. Hi anne, if your check is crossed, meaning you see 2 diagonal lines on the left top corner of the check, or if you see “For Payee’s Account Only,” then you should deposit your check to your bank account (any bank). If not crossed, you can encash your check over the counter at BDO. Present your IDs.

  257. hi… what are the requirements to encash a bdo check. i have one and it is my backpay from mt previous employer. someone said that you need to create an account with 2000 balance. is it true?

  258. Hi Enzy, do you mean you will get a cash advance from the credit card? I think so, because the signature is for merchants to check. But sorry I’m not very sure if atms also check if the card is signed. But you can try.

  259. I received my brother credit card and I ask me to withdraw, I already have the pin number, is it possible without his signature on the back of the card?

  260. Hi Jovit, is there an SM mall there where you are where there’s also a BDO bank inside the mall? You can claim the remittance from BDO inside the mall and then send money at the BDO Remit counter inside the mall (usually at the Customer Service). If there’s no SM mall, ask the BDO branch if they’re offering service of sending money for pickup at another BDO branch. If not, then you can send money through Cebuana Lhuillier or LBC or Western Union. Find a BDO branch near Cebuana or LBC or Western Union.
    Later on, if you’ll have a BDO account and BDO online banking, you can send money online using “Send Money” service for cash pickup or to another bank account.

  261. Hi Jovit, yes, I think you can claim because you have your reference no., you know the amount, and you have valid IDs. Write 2 addresses on the claim slip — the address written by the sender first, then your provincial address (barangay, town, province is enough).

  262. Hi Yssa, are you withdrawing from a non-BDO machine? Make allowance for the 15-peso non-BDO atm withdrawal fee. Have you just received your atm card? You can withdraw the next day after changing your PIN. Did you deposit a check? Is it already cleared?

  263. Hi, what does it mean when it’s invalid transaction? I’m not able to withdraw but I can do balance inquiry po. Thanks

  264. Hi mrs Nora can I claim the remittance sent to me by my sibling? I don’t have an account with BDO. I’ll get it over the counter. my valid IDs are passport and unified Id, but the address is not here in the province. Can I claim the money here? Thanks po

  265. Hi Mrs Nora, am I allowed to remit cash over the counter at any bdo branch if the money came from other country? What are also the requirements needed? Thank you

  266. Hi vilma, if you have a passbook, it’s better to present your passbook for updating. If your account is atm-only, the teller will advise you to withdraw from the atm machine, or tell you that there’s a 100-peso charge for over-the-counter withdrawal for atm-only account, and the teller might ask for your atm card or IDs. Another option is to go to the tellers at the sides (lower counters), present your IDs and account no. and ask if you already have remittance in your account.

  267. Can i withdraw from my account over the counter even if I have not claimed my atm card to see if there’s already money in my account? Tnx

  268. hello im BDO kabayan holder passbook can i use my passbook to withdraw in other branch?

  269. My dad left his bdo kabayan card, but since yesterday we kept on trying to withdraw money from the atm but it says “Withdrawal maximum reached”. But i can’t even withdraw because of that thing, do you think i can go to the teller and get some money from the counter even if its from my dad? He’s an ofw kasi.

  270. Hi bernadette, yes, based on online comments, once BDO detects that a payroll account is no longer used for payroll, it automatically converts it to a regular account. This means you need to maintain at least 2,000 in your account to avoid getting charged of the 300-peso penalty after 2 consecutive months of falling below the maintaining-balance requirement.

  271. Hi Trisha, you can withdraw from the atm up to 50,000 per day and up to 5 withdrawals per day. Maximum per withdrawal is 10,000. If you like to withdraw over the counter, you should present your passbook because your account is a passbook account. Those with atm-only account, they’re required to withdraw first 50,000 from the atm before withdrawing more over the counter.

  272. Hi! Just want to ask.i have an kabayan account atm w/ passbook but the I leave my passbook to my mom in our province.can I possible withdraw using atm card over the counter.& If can,how much the limit?

  273. Can I convert payroll account to personal or savings account after resigning from previous employer? mine is bdo atm debit card.

  274. Hello po yung bdo kabayan savings ng papa ko is ako naghahawak seaman po sya so dun sya nagpapadala buwan buwan ngayon po nung nag check ako atm lumabas po is unathorized my card is invalid..panu po yun e yung papa kopo e e nsa barko anu po gagawin ko

  275. Hi Thess, years ago, BDO does not want payroll accounts to be used as personal accounts after separation from the company. But now, I’ve heard that after the BDO system detects that a certain account is no longer used for payroll, it converts the account into a regular account with regular maintaining balance requirement. So if you want to use your payroll account for personal use, maintain the required balance, which is 2,000 pesos if the account is an atm savings account.

  276. Hi Willfy, sad to say, the name on the check should be the same as the name on the account where it is to be deposited. Your wife can ask the bank branch that issued the cheque of she can present a Philippine-consulate-verified SPA from you so she can encash the check.

  277. Hi! Is payroll account automatically closed once resigned? If not what will happen and for how long before it is closed? Thanks

  278. hi I’m here in saipan my bdo acct is close a yr ago back in philippines sunlife refunded my money and issued this a cheque how can I encashed that? Or can it be deposited to my wife’s account?

  279. Hi Anne, sad to say, you’re not allowed to ask for card replacement because it’s not your account. Your mother in law can send money to you for cash pickup at BDO.

  280. Hi nora Am I allowed to change the atm card of my mother-in-law because she forgot her pin code? She has gone abroad and she left us her atm card so she can send us through her bank account. Is that possible?

  281. Hi Sandi, encash at the branch written on the cheque. If you’re at the branch, you can fill a withdrawal slip and a deposit slip, and present them at the same time so you can transfer money from one BDO account to another BDO account. If the receiving account is in a different area code or region, the interbranch charge is 50 pesos. Or ask about over-the-counter money transfer via debit/credit memo — charge is 50 pesos.

  282. Can I encash BDO cheque to any branch? Can I transfer big amount to other BDO acct? How much is the bank charge?

  283. My Kabayan Peso Savings card was captured yesterday, March 22, 2016 in the Philippines, I am here in Abu Dhabi, UAE. i just want to asked what are the options so that my brother can get my card and/or withdraw in my behalf. Please update me in my email. Thank you.

  284. Hi ruby, try at that BDO branch where your atm was captured. You might pay maybe 200 (100 for the interbranch withdrawal and 100 for over-the-counter withdrawal). They might ask for your ID.

  285. Gud am po. Can I withdraw over the counter at another branch even if without ATM? My atm was captured by the machine. thanks po.

  286. Hi Jewel Rani, yes, you can have your husband’s Kabayan passbook updated at the counter. Usually, they don’t ask for IDs because you’re only updating. But bring your marriage certificate, just in case.

  287. good day po. can i update my husband’s bdo kabayan passbook? i don’t have any valid ids as of now, can i bring our marriage cert. as proof of identity? thank u

  288. Hi Rf, BDO says atm balance inquiry abroad costs 1 US dollar. You can remit as much as you can to your BDO account, up to the maximum remittance amount allowed out of Thailand. Banks can transfer much more through wire transfers. Over the counter in the Philippines, you can deposit as much as you want. But if an account owner frequently makes huge deposits that are quickly withdrawn or transferred after, banks are mandated by anti-money laundering laws to ask the source of money and the reason for quick transfers.

  289. Hi, what is the maximum/allowable money that can be deposit on a atm savings account(without passbook) and how much is the fee if i check my balance abroad (ex.thailand)using bdo atm. Thanks

  290. Can i ask my sister got her BDO cheque in previous employer but our problem is my sister is in Taiwan but the cheque is under her name. How can we encash it if my sister is not here in the Philippines and she doesn’t have any savings account to deposit it. The cheque will expired before 6months.

  291. Hi lyanne, have you tried other atm machines? Sorry I don’t know if bdo accepts old withdrawal skips. But you can try. How about calling your husband’s office and ask them if you can open a new account to which they can deposit your allotment, as your husband’s atm card has become damaged and invalid. They should be able to contact your husband to ask permission.

  292. There’s trouble with his atm. He’s not here, he’s onboard. I’m receiving his allotment. Since 2011 till 2015 I was using his atm and there never was a problem. I have the passbook and authorization letter. but the withdrawal slip is not updated. thank you po.

  293. Hi.. can i withdraw using the old withdrawal slip my husband gave me? I was doing only atm transactions previously. We didn’t know bdo changed its withdrawal slip.thank you

  294. Hi, i have a cash card, can i make a over the counter transaction? I didn’t bring my card, need to withdraw. Thanks.

  295. Hi Bonifacio, try using only the first 6 digits that you entered. I think the machine recognized only the first 6 digits you entered. BDO PIN consists of only 6 digits. If your atm is blocked, try again after 24 hours, and if still not successful, go back to your branch and ask. You might have to replace your cash card.

  296. a time later, i visit to ATMs here near to my home, i have putted 8 digits PIN for my cashcard, but when i want it to withdraw my remaining balance, the machine doesn’t withdraw my desire balance to withdraw, what should i do and is it ok, that my PIN reached to 8 digit, since when i check my balance, it gives me the info of what my balance remain.
    thank you

  297. Hi Rosalie, you should be able to withdraw. But there might be some issue or concern with your account. Withdraw over the counter — if the teller advises you to withdraw via the atm, tell the teller the atm is telling you you’ve exceeded the limit even if you have not yet withdrawn today. You can also call BDO 631 8000.

  298. last january 19 and 20, i withdrew 100K from my bdo account. why i cant withdraw the other day until today, telling exceeding daily limit of 50k. when is the time im allowed to withdraw?

  299. Hi Jun, you must have reached your daily maximum atm withdrawal limit of 50k or 5 withdrawals. Are you sure it was Inquire Balance/Balance Inquiry that you pressed? I think there’s no daily maximum limit for atm balance inquiry, or do they have a limit now?
    Or is this a BDO cash card? Maybe BDO has a limit on cash card’s balance inquiry because they charge 2 pesos per atm withdrawal. Or maybe a cash card balance inquiry via atm is replied to only if there’s a balance in the cash card.

  300. Hi it says it reached my daily account limit when checking my balance and it asked me to put an amount? Why is that so? I was supposed to check. Not to withdraw.

  301. Hi Joanah, your husband should sign the withdrawal slip, authorizing you as his representative. Yes, at most branches, but you will pay interbranch withdrawal charge. If your account is an atm-only account, you could be also charged for over-the-counter withdrawal.

  302. Hello poh.. Can i ask if i can over the counter withdraw at any branch? I just need to withdraw from my husband’s account. Thank you poh

  303. Hi JC, basically, no. The one withdrawing will have to know your complete name and be able to sign the same signature as your signature stored in the BDO database. The teller usually also ask for the atm card or an ID. For atm-only accounts, account owners are required to withdraw from the machine first, up to 50k, before they can withdraw over the counter. For passbook accounts, the passbook needs to be presented. For extra precaution, in the meantime, if you like, leave only your maintaining balance in your account.

  304. Hi, I have lost my phone earlier and my account number was saved there. Can someone withdraw or use the funds in your account just by knowing your account number? 🙁

  305. Hi Mary Kris, is your account Kabayan and did you open it abroad? If yes, you’re right, you should call BDO and ask how you can make your account accept cheques. Try calling direct (there will be phone charges): +632 631 8000. Or try toll-free if you use Chungwa landline there: 00 800 8 631 8000

  306. I have a cheque for transfer to my account at BDO because the cheque is also bdo. I was told I cannot because my account is only for cash deposit. How can I encash my cheque as I’m here in Taiwan and the cheque is valid only for 6 months. Please help me what are the possible ways to encash my cheque. I like to call BDO but I don’t know how to call their hotline . I tried but I could not connect.

  307. After po ng october 2014 mga 2 months or 3 months ko po nahuhulugan uli kasi po nagkukulang sa budget at kunti lang naihuhulog mahigit 1,000 lang naihuhulog ko after 2months ok lang po ba yong ganun paghulog, sa ngayon po mahigit 10k na po nahulog ko sa account ko

  308. Yes po kabayan account dito sa kuwait ako nag open,last remittance ko nong june 2014 kasi nagbakasyon ako tapos nahulugan ko uli last october 2014 pagbalik ko uli dito sa kuwait 1,000 lang balance ko at hinulugan ko uli ng 5,000 tapos po minsan po nahuhulugan ko after 2months kasi po nagkukulang sa budget at magkano po ba ang limit balance ng kabayan savings para di po maexpire at ok din po ba na kahit after 2months ko po nahuhulugan account ko?

  309. Hi Leila, yes, you can withdraw over the counter, but you will pay 100 pesos. Fill up the withdrawal slip. Yes, bring your ID. The teller might also ask you why you are withdrawing over the counter.

  310. Hi Julie, is your account a Kabayan account? When did you open it? When was your last remittance to your account? Yes, if your account is Kabayan, it’s true that you should remit money from abroad to your account at least once in 12 months. This is important if your balance is less than 10k. You said you deposited in Oct 2014 — after this Oct 2014, when did you remit the next?

  311. Last august 2014 po my balance in my atm savings was 1,000 then I deposited by october 2014 more than 5,000. Is my account closed because almost 3 months I have not deposited again. and now I’m remitting to it because I asked my friends and they told me it’s after 1 year that the bdo atm expires. Is that true?

  312. Hi Janet, do you mean you do not have an atm card and you only have a passbook? Try withdrawing with your passbook; I think if it’s not a big amount, you will be allowed to withdraw even without ID, as they will check your signature. You might be charged 100 pesos for interbranch withdrawal.

  313. What can I use as my postal id has expired. I want to withdraw in another bdo branch. I lived previously in la union; now I’m in pampanga.

  314. Hi belay, did you try other BDO machines? Is the atm card damaged? You mentioned a passbook; try presenting the passbook for updating, so you can check if his pensions are being credited. You can use a BDO withdrawal slip to withdraw as representative, but the withdrawal slip must be signed by your father. If the atm card needs to be replaced, it should be your father that goes to the bank for replacement.
    Another way is for your father to request a change in how his pension is sent. Request for an SSS All-Day Access Card application form at CTCB Bank or at an SSS branch and a Pensioner’s Data Change Request form from SSS. Ask SSS if your father can authorize you to process the change so your father can receive his pension using the CTCB cash card abroad.

  315. hi may I ask about my dad’s pension. ive checked his atm and it says the card is invalid. we used to withdraw a few amt from it til december 2015. he filed his 2015 acop form, he has no problems with sss as he have submitted impt documents necessary .he is overseas now. he sent me an authorization letter, his recent photo holding a newspaper ans wants me to update his passbook. where to go and what to do? i need to send him his money. thanks .

  316. HI. Gusto ko san magwithdraw ng 200k from my savings account, pwede po ba mag Over the counter kahit ATM lang dala ko kasi wala naman passbook to? At kahit saang branch po ba pwede mag Over the Counter

  317. Hi Mmoreno, it will depend on the amount of balance and on the bank manager. The bank has to comply with laws on estate tax and legal heirs. The primary heirs are the parents, if they’re still alive. Your friend can go to the bank branch with her IDs, her brother’s birth and death certs and her birth cert and ask about the process of claiming her sibling’s savings.

  318. Hi, i have a friend whose brother passed away recently. The brother is single and survived by my friend. Is it possible for her to claim the savings account or transfer savings account to her name? Thanks

  319. Hi. My ATM card just expired (i never expected ATM cards have expiration dates). Can i withdraw my money from another BDO branch? my account is payroll without passbook.

  320. Ask kolang po my kabayan savings account po ako. Kakaopen kolang po ngayon po magpapadala sakin yung asawa ko ano po bibigay ko ng account number sa passbook poba or atm? Same lang poba yun. Salamat

  321. Makakapag withdraw kaya ako sa sm gamit ang passbook, dollar account bdo kabayan savings. Holiday na kasi db kya sarado na mga banks.walang atm.

  322. Hi anon, if your account balance has turned to zero or 0.00, it’s most likely that your account has been automatically closed. Try making an atm balance inquiry.

  323. Hi. So yesterday I withdrew my maintaining balance of 2k, so it had zero balance. Was my account automatically closed? or would I just be charged with a penalty? Tnx po

  324. Hi Maybelle, do you mean you have a BDO passbook and you will withdraw over the counter? Usually, the passbook is enough, but since it’s a big amount, they will require an ID. They might accept your school ID, even if expired, since it expired just this Oct.
    If you have an atm card, you can withdraw 5 times a day (5 x 10k = 50k) for 4 days. At BDO, maximum atm withdrawal is 10k and maximum amount per day is 50k.
    If what you meant was you will claim a remittance or money transfer worth 200k, BDO will require 2 photo IDs. You can get a digitized postal ID from your local post office. To get this ID, you need your birth certificate and proof of address (barangay certificate or a bill with your name and address). You can present your expired school ID as your second ID. Exercise extra care about carrying big amounts of money. If this is a one-time big payment, and your payee accepts a check, you can purchase a manager’s check from your bank.

  325. Good evening po. What should I present to withdraw 200k? If ID is needed, I have my school ID but it’s already expired. No longer studying as I already graduated. My ID expired Oct 2015. I’m currently reviewing; our review school has not issued us our IDs. I have no other ID as I’m not yet working. Thanks po. god speed

  326. Why is there no pin number in my BDO kabayan saving account. I’m here in lebanon. Will they give me the PIN when I go home to pinas? thanks po

  327. Hi po mrs Nora I opened a BDO saving account here in lebanon. My a.t.m and passbook arrived, but there’s no pin number. where do I get the pin number? when I go home to pinas? thanks po

  328. Hi gemma, sorry, no. Your father needs to sign the withdrawal slip. The bank teller with check the signature on the withdrawal slip if it’s the same as the signature on their database. Even if it’s your father withdrawing, if they have some doubts, they will also require your father’s ID.

  329. Hi khyle, your dad should enroll in BDO online banking. It’s good also if you enroll, although your dad can transfer to your account even if you’re not enrolled in online banking. Then your dad should add/enroll your account to his account. Both enrollments need to be activated at a BDO atm machine. There’s no limit to how much your dad can transfer to your account because it’s an enrolled account. If your dad is currently overseas, when enrolling, he should choose the option “Outside the Philippines”

  330. Hi, I just wanna ask what processes do we have to do if my dad wants to transfer some of his money from his bdo account to my bdo account? And is there a limit on how much we can transfer? Thanks in advance.

  331. Hi Nora, Is it possible to withdraw a cash more than 50,000php from BDO. my account dont have passbook. I only have the atm card. Thanks in adv!

  332. Hi lotte, your account is automatically closed if the balance turns to zero or negative. You said someone deposited; is it over the counter? If over the counter, the bank teller will not accept the deposit if your account is not active. Do you mean someone sent money from abroad? Maybe the remittance is still being processed. Sometimes it takes up to 3 days depending on the remittance used. If you can still see the balance of your account online, then it means your account is still active.

  333. hi nora. i just wanna ask if my account will be closed if it reached below minimum? someone deposited in my account but when i checked my acct thru mobile banking the deposited money did not enter. please help. thanks

  334. Hi jerwin, that’s puzzling. Go asap to your branch and ask. BDO might want to be sure that you’re the one withdrawing. Or there might have been a system glitch. If you’re far from your branch, call BDO asap 631-8000

  335. Hi ms,I am using kabayan savings,and I am currently here in the philippines for my annual vacation.last week I withdraw 50,000 pesos, and then yesterday I’ll try to withdraw again but unfortunately I cannot withdraw even smaller amount.it says on the screen that I already reach the daily maximum withdraw but I didnt withdraw yet on that day.what will I do ms nora?

  336. Hi Jigz, if that person does not have your passbook, he/she cannot withdraw over the counter. The passbook must be presented when withdrawing over the counter. If he/she has the passbook, the teller usually asks for an ID if the signature is not exactly the same as your signature on BDO’s system. If he/she has your atm card, and he/she tries to withdraw over the counter, the teller will instruct him/her to withdraw at the atm machine first.

  337. Hi, Ms is it possible for someone who knows my account number and forged my signature to make a fake authorization letter to withdraw cash from my account (passbook w/ ATM) over the counter? Thank you.

  338. Hi Rachel, if you withdraw over the counter, you should have your passbook with you. If the joint account is “AND” account, meaning the passbook name is Husband’s name “AND” Wife’s name, you need to present the passbook and the withdrawal slip should have both your signature and your husband’s signature.

  339. Can I ask if I don’t have passbook and atm because my husband hold it.. It is a joint account.. It is applicable that I can allow widraw over the counter even in other branch..

  340. Hi Cee, that was for October (penalty for 2 consecutive months of Sep and Oct). If again your account is not maintained this November, you will be deducted again for Nov (penalty for 2 consecutive months of Oct and Nov).

  341. Hi michael, do you mean your dad has been receiving his pension before, and this month, it stopped? Is last month or this month your dad’s birth month? Have your dad filed the ACOP form? ACOP form is filed every year just before the pensioner’s birth month.

  342. hi may I ask about my dad’s pension. ill check his atm and i dont expect zero balance. what do we do? Do we need to file another sss atm in other bank or do we need to report to bdo?

  343. Hi Cee, yes, you’re right, if your 2k daily balance started Nov 1. But now, it’s already Nov 2, so deposit 300 pesos, so your daily balance starting Nov 2 is 2041.46. Your ADB for November will be 2031.46

  344. This is the real situation. Hope it doesn’t matter. I have 2041.46 in my account,but as i checked my balance on october 31,it became 1741.46. Clearly, 300 was deducted. Does it mean that for the last day of the month(nov), they wont deduct again as long as i maintain the 2000 in my account til november ends, and so on?

  345. Thank you Ms.Nora. So it means, the charges is not monthly, meaning for next month they wont deduct as long as I maintain the 2000 in my account starting this month? And that 300 deduction was generated for the month of september or october?
    Thank you so much for the fast response.

  346. Hi Cee, no, that’s not true. You just opened in June, so I think they did not compute your ADB in June. The easier way to maintain is to have 2k in your account every day. But if you need to withdraw, when you deposit again, deposit a bigger amount, so when they compute ADB, your ADB will still result to 2k or higher. How to compute: Add all your daily balance from the 1st day of the month to the last day of the month. Divide by 28, 30 or 31 (depends on the month). The answer is your ADB, and it should be 2k or higher.

  347. It’s without passbook. One more question before i answer your question. Is it true that it’s okay not to maintain the 2000 in your account as long as before the month end,your balance should be 2000 again? Because when i started to open my account last june 2015 i always do that,and there are no charges.this just happen now.

  348. Hi Cee, were there days in September and October that your balance was less than 2000? The 300-penalty means that you failed to maintain your required balance in Sep and in Oct. If not maintained for 2 consecutive months, the penalty will be charged on the last day of the 2nd month, and again on the last day of the 3rd month, and so on, if you won’t maintain your account. Deposit 400 or more tomorrow and do not withdraw within this month so you’ll maintain your account this November. Is your account without passbook?

  349. Hello nora, I just wanna ask what would be the cause of this. I have savings account, i maintained the balance 2000. Actually,my running balance is 2041.46. Then, when i checked my account a few mins ago using bdo app, my running balance became 1,741.46. And in my tansaction details, there’s a service charge P300 less in my account dated october 30. Any opinion regarding this? Thanks in advance 🙂

  350. Hi Ric arthur, it’s most likely that your account got automatically closed when your balance became zero. You can visit or call BDO and ask about your account. If you’re just starting, you can apply at BPI for an Easy Saver account. It doesn’t require a maintaining balance, but you pay 5 pesos for every withdrawal and every inquiry. Or look for accounts with lower maintaining balances.

  351. hello i would like to ask if is it still possible that my account is still active i open it last aug. but the last transaction i made was on last sept. and after i did not deposit and my account is 0 balance until now and i tried to inquire it on atm machine but it says cannot process was it possible that it is closed??

  352. Hi anne, maybe the first digit is 0 so they no longer wrote it. You can write 000 plus the 9 digits when you deposit at BDO. Anyway, BDO will not accept your deposit if your school’s account no. is incorrect. But to be sure, ask again your school’s account no. Or search your school’s website; usually they post there their BDO account number.

  353. I am paying my tuition fee through BDO.The account number that the school gave me is only 9 numbers is that right?

  354. Hi Joan, the maximum per atm withdrawal has been reduced to 10,000 pesos, approximately 798 aed. So withdraw maybe 700 or 790 aed, then withdraw again, up to a total of 50k pesos per day.

  355. How much is the maximum amount i can withdraw from my bdo account here in dubai equivalent to dirhams? I have tried withdrawing 2000 AED but my transaction is decline? Before i can withdraw up to 4000 AED but now even 2000 AED is not allowed?

  356. Hi anton, no, the 50k daily limit is only for ATM withdrawal. Over-the-counter withdrawal and online funds transfer are not included in the 50k limit.

  357. hi, with regards to the 50k daily withdrawal limit, is fund transfer included in the 50k during the same day for the limit?

    Thanks

  358. Hi Karen Joyce, it’s unlikely that there’s another BDO account owner with the same name as yours and the same account no. as your sender has written, so it’s unlikely that BDO has deposited the money to another account. It’s most likely the remittance was put on hold, waiting for instruction from your sender’s remittance service. Yes, your sender should go asap to where she made the remittance and make an amendment of data, meaning she’ll correct the account no.

  359. Hi. My friend in Saudi sent money through my BDO account last September 10, 2015. She only told me last night (Sept. 20, 2015) and was asking if I already received the money. Unfortunately, upon checking, she entered wrong BDO Account Number. Is it still possible to check if it was deposited and withdrawn by the owner of the wrong account or will she still able to correct it to where she deposited the money? Thank you in advance.

  360. Hi Lani, thanks too! I checked this post where you commented and found out that I needed to update some things, and I hope you also know now that the maintaining balance for the BDO passbook account has been increased to 10,000 pesos since May 2014. The maintaining balance requirement for a BDO atm account is still 2,000 pesos.

  361. Thank u Nora for your response the reason i asked is because im leaving in united states now with my husband may plan to go for vacation next year that would be fine then

  362. Hi lani, make a deposit before the 2-year dormancy period is reached. After 2 years of no withdrawal or deposit, the account becomes dormant, and it will be put on hold. A dormant account can only be reactivated by the accountholder in person with IDs at the branch of account.

  363. I have an account on BDO and i just maintain my balance.. my last transaction is last april of 2014.. i wonder what will happen to my account if i didnt have transaction for that long period of time..

  364. Hi Nikki, once your account balance becomes zero or negative, your account is automatically closed. I think your account is already closed; most likely closed in April when your account balance became zero, or on May 31 when 300 was deducted and the result was negative. If you’re in the Philippines, you can make your balance inquiry at a BDO atm and you’ll see your account status. If you’re abroad, make your inquiry here: https://www.bdo.com.ph/contact-us

  365. My balance is 0 at the moment (since April or May) and I was thinking of placing money on my SAVINGS ACCOUNT. It’s already August and I recall reading that they will remove 300.00 from my account every month if my balance is below minimum (like I said it has been 4 to 5 months since my last transaction). Is my account still active or did the bank already closed it? Will I pay 300 per month? (300*5 = 1,5000) Do tell me details. Thank you 🙂

  366. Hi gian, do you mean the atm screen showed interbranch problem? If yes, then wait for a few hours and then try again. Or try another atm machine

  367. What happened to my account? It says interbranch problem? Where can I check the interbranch policy?

  368. Hi joy, if you forgot your passbook, you can try at your branch with your atm card and IDs. What I know is that you need to bring your passbook because your account is with passbook and you are withdrawing over the counter.

  369. Hi faye, you said deposit slip, so is this over the counter? The teller should have pointed out the error or discrepancy. If this is foreign remittance, it will most likely be put on hold. If not credited within 5 days, you can go back to where you made the remittance and correct your error (most likely, you will be charged an amendment fee)

  370. Hi, will the money still be deposited to the right account if the account name written in the deposit slip is wrong? the account number is right but on the account name, the last letter is incorrect. instead of “a”, “e” was written. :(( if not, what can i do to solve this matter?

  371. Hi jaymark, yes, but you need to go to the branch where you opened your account, and show 2 valid IDs. You’ll pay a withdrawal charge.

  372. Hi mery, yes, you can withdraw using your passbook. Fill up withdrawal slip. Make sure your signature is the same as your signature when you opened your account. Bring your ID in case they need to see it.

  373. Can I withdraw using passbook only. It’s in my name. The atm card is with my husband; sometimes he deposits into the atm.

  374. Hi juliebels, thanks for the info. Yes, some BDO branches refuse to accept OTC for clients of other BDO branches, especially for atm-only accounts.

  375. I called BDO Market Market. I was told I can’t do OTC at their branch and can do OTC only where I opened my account. Just opened my account Monday and the ATM will be given this coming Monday. It’s a hassle.

  376. Hi salve, yes, you can open any savings account in the Philippines (preferably popular banks), then you send your bank name, account name and account no. to your fiance, and he can remit and deposit to your account. He can send online through his bank account or credit card using remittance companies like Xoom, Remitly, or Luckymoney.com or pnbwebremit

  377. hello po I’ll open an account. Can my fiance from US deposit to it? and he in the US will deposit thru online, is that possible?

  378. hi nora, kc yung kabayan savings account ko eh 10 digit number sya,.. ok lang ba na kahit ibigay ko itong account ko sa agency na 10 digit sa pagremit ng aking monthly income kahit hindi ko na dagdagan ng 2 zeros sa unahan? o kailangan na dagdagan ko na lang ng 2 zeros sa unahan yung account number ko bago ko ibigay sa agency yung account number ko,.. thanks,..

  379. Hi dhin, is your atm card a debit card, and not a cash card? If debit card, ask the BDO teller if you can withdraw over the counter because you left your atm card in your boarding house (sometimes it depends on the branch or the teller) and tell her you’ll pay the withdrawal fee. Bring 2 IDs.

  380. Hi. I wanted to withdraw over the counter. I have a payroll account. I left my ATM at my boarding house. I’m here in cavite and my account is with bdo valero. Can I make over the counter withdrawal here in cavite? I can’t go to my boarding house today as I’m sick.

  381. Hi Czar, encash your check at the bank branch printed on your check, so one ID will be enough.

  382. Hi! We’re about to get our first paycheck tomorrow, the only ID that I have is the company ID because I got robbed and all of my IDs are included. Is the company ID going to be an issue? SSS and TIN numbers are written on the ID… Thanks!!!

  383. Hi Virginia, is this a BDO credit card? Call BDO and ask why you’re still receiving your bill? If your bills show no activity and balance is zero, you can use that as one of your proofs that you have long cancelled your card.

  384. I just want to ask. Why is it that I already cancelled or cut my credit card but still I am receiving a billing. they even told me tocut already my card. I am worried that I might be charge with the annual fee though it was already been cut.

  385. Hi tesie, check your checking account balance, so you can see if the amount you issued was already deducted. About return of encashed checks, it depends on your bank. Either they are mailed back to you or you pick them up at your bank branch.

  386. hello po! first time I used personal checks. I gave it to my aunt. How do I know if she already got the money? will the check be returned to me after?

  387. Hi tin, there’s no maximum. You can deposit as much as you want. But if you’re depositing hundreds of thousands or more regularly, BDO will ask about your source of income (to comply with the money laundering law). It’s the BDO cash card that has a maximum limit.

  388. Hi Jonnar, I think BDO does not allow reactivation. Some banks allow reactivation, but you have to pay certain charges. You can ask your branch if they allow reactivation, or you can open a new account at another branch (some may ask about closed account).

  389. Hi, I would like to ask if it is possible to reactivate my account. The case was, my account was closed because I am below my maintaining balance. The account was closed just last month. If it was possible, what should I do?

  390. Hi Lea, yes, find a BDO remittance partner. Cash card has maximum balance limits. For no-owner-name cards, maximum is 10k. For with-owner-name cards, maximum is 25k.

  391. Hi donamay, is the check payable to your sibling? Tell your sibling to bring his/her registration card to support her school ID.

  392. Hi po. Can my sibling who’s a college student encash a check? She/he only has student i.d.

  393. Hi elvera, if your account is Kabayan, and your last deposit 4 months ago was sent from abroad, your account should still be active, regardless of the balance.
    If it’s not Kabayan, and it’s a regular passbook account, and you have 10,000 pesos or more in it, it’s active and free from penalty.
    If it’s a regular passbook account with less than 10k balance, it could have been deducted with 2 monthly penalties already (300 pesos x 2).

  394. hi po,tanong ko lng po..4months ko na po kasing di nahuhulugan account ko…maeexpired po ba un…???pero dati po regular po ako naghuhulug….tnx po..

  395. hi, i’m elvera i just want to know because I never deposited to my account over 4 months already. Is that going to expire? (ihave money inside). In the past, I was regularly depositing to it. tnx

  396. Hi Monica, is your photo in your philhealth id? The best way is to approach the BDO teller, and ask if your IDs are enough. If there’s a long line at the higher-counter tellers, ask those in the lower counters.

  397. Hi Jasmine, you can use it to support your ID. The teller will ask for your valid photo ID (company ID, digitized postal ID, voter’s ID, SSS/GSIS ID., passport, driver’s or PRC license)

  398. Hi Ren, I think they put 2 lines there to give space for joint account holders. But there could be tellers who ask for additional signature specially if the signature is not clear, or is just vaguely similar to the signature they have on their database. To be sure, the account holder can call the branch where the money will be withdrawn. God bless too

  399. Hi. Have the policies of BDO for withdrawal through representative changed? Cause before we can withdraw with only one signature, second to the top line which was signed by the account holder. Now my aunt was insisting that the policies are no longer the same, that the first line has to be signed by the account holder as well. I called one branch in Makati, they said the policies didn’t change, and that means, only one signature is needed (2nd line). So has it been changed? Thank you and God bless.

  400. Hi Jj, BDO usually does not reactivate closed accounts, but if your account was closed just this month or last month, you can try asking your branch if you can reactivate. If not reactivated, ask your sender to go back to where he/she sent the money and amend his/her remittance from account deposit to FOR CASH PICKUP

  401. I didnt maintain the maintaining balance, and now ATm is invalid. Now, what should I do, someone deposited money in that account. How should I continues with this? Thanks.

  402. Hi Claire, if your account has zero or small balance, or amount is below maintaining balance, and more than 1 year has passed, it’s most likely your account is already closed. You can email callcenter@bdo.com.ph

  403. Hi, how will I know if my account with BDO is still active? I have not checked it since I left pinas.

  404. Hi Anne, you should be able to, as this is a savings account. I’m not sure though with BDO, but I have deposited to a Metrobank SSS pension account.

  405. Hi Faith Ann, I think you can encash, but not all branches, so just enter the bank and ask.

  406. Hi can I withdraw BDO checks in other BDO branches? Please reply. Thanks. It will be a help.

  407. Hi daisy, yes, if you withdraw over the counter, bring your passbook. If your signature does not exactly match the signature on their records, they will ask for your IDs.

  408. Hi ernesto, yes, your BDO account can accept a Union Bank manager’s check. Yes, it goes through the 3-day clearing period before the money becomes available for withdrawal. Clearing period is 5 to 7 days if the check comes from another region.

  409. Hi jana, sorry, but the bank will not accept an expired ID or certification. Try presenting a barangay certification (the one with your photo on the certificate; barangays now take your photo with their webcam). To be sure, before you spend for new IDs, go to the BDO branch (see your check) and present your current barangay ID, and if they don’t accept, ask if they accept barangay certification with photo, or if not, if they accept the new digitized postal ID (then apply for the new postal ID).

  410. is it possible to transfer managers cheque to bdo bank account instead of accepting cash? is there clearing procedure for that-the managers cheque is union bank. thanks

  411. Hi Mhy, you can deposit and save as much as you can. There’s no maximum balance. But of course if your money is already 100k or 200k or more, and you don’t need yet the money, it is better to save it in a time deposit or mutual funds.

  412. Hi Jet, yes, today is a new day. But BDO might be using a 10 pm to 10 pm time frame. I’m not sure though. Anyway, I hope you’ve withdrawn already today.

  413. Goodmorning. i maxed out my withdrawal in my atm card last night at 10pm. But when i tried to withdraw again this morning they told me that i have withdrawn my max for the day. Is not today counted as a new day? It was Last night that I last withdrew? Thanks

  414. Hi mariflor, you can try, but it might be difficult because you don’t have your atm card with you. Try at your BDO branch. Bring your IDs. Fill up the withdrawal slip. If approved, you will be charged 100 pesos.

  415. Savings account atm only, no passbook. Can I withdraw over the counter? Thank you po!

  416. Gud noon po! Can I withdraw over the counter without my atm card? I gave my card to my mama. I need cash and she’ll be back friday.

  417. Hi grace, usually after 6 months. Other special checks like SSS educational loan checks expire after 3 months (expiration written on the voucher).

  418. Good day Ms. Nora, I opened a BDO Kabayan savings account in Manila, can I withdraw money over-the-counter in Cagayan Valley BDO branches? Thank you.

  419. hi good day.. Tanong ko lang po.. Ilang buwan po ba ang itatagal sa pag claim ng account ng namayapang depositor?? We already submitted the necessary document to the BDO. They gave us the checklist of documents at yun po ay na isubmit na namin sa kanila. My father is the depositor. Whenever we went to the bank to follow up our claims they always said that they still need the signature of their legal officer. Its already 7 months since we submit the said documents. Please advice po kung ano pong dapat gawin.. Thanks po

  420. Hi agnes, did you maintain your account last March? If yes, your account is still active even if you did not maintain your account last April. To be sure, make a balance inquiry now at BDO atm to see if your account is active. If your student sends to a closed BDO account, the money will be put on hold by BDO. Your student needs to go back to where he/she sent the money and change the remittance mode to Cash pickup at BDO, so you can get it over the counter at BDO.

  421. hi po. My account balanceis only 200 pesos left. And i think its almost 1 month. And tomorrow my student will send money through my account.. Do my account still activate? what if not and she send money to that account. Can she get it back? pls response. Asap. Thanks

  422. Hi angel, yes, you can use your BDO atm at all SM stores and other stores displaying the Megalink and Express Net logos. But at non-SM stores, to be sure, ask first the cashier before getting goods. If you have not deposited for 1 or 2 months, your account will not close, as long as the balance is not 0.00. Remember also that you can be deducted with 300 pesos if you fall below the maintaining balance for 2 consecutive months, and it will close if after the 300 is deducted, the balance becomes 0.00 or negative.

  423. hi just wanna ask if i can use my atm saving account to pay through groceries and shopping malls? and is it possible that my atm account will closed if i haven’t depositibg money for example 1-2months?

  424. Hi Jenny, submit ASAP a notarized Affidavit of Loss of Passbook and ATM card at your BDO branch. Bring your IDs with photocopies.

  425. Hi gud pm ms Nora, what are the requirements to replace my lost Kabayan passbook at ATM card? Pls reply po so I can follow up immediately. tnx po

  426. Hi Celyn, it could be the reason. Call BDO or go to your branch with your IDs. I hope you can solve it at your branch since it’s only the prefix zero that’s missing. Bring your marriage certificate, and other ORs of remittances from your husband, just in case.

  427. Hi ms nora. My husband are going to send me money from abroad to my bdo account and i gave him 11 digits account number without the zero on the first digits is it possible that the money took to long to recieve my husband told me that he already sent the money last week tuesday and its 5 days till now I didn’t have it yet. What should i do? Id it from the account number i gave to him was mistake? Please help me thanks..

  428. Hi ivy, your husband can try with his IDs. He tells the teller he’s willing to pay the 100-peso charge (fee for over-the-counter withdrawal for atm-based accounts), and maybe another 100-charge for interbranch OTC withdrawal.

  429. Good day Ms. Nora! Just want to ask if my husband can withdraw over the counter his salary from his bdo payroll account to any bdo branches if he does not have with him his atm card?we left it during our vacation to our relative’s house but it was already been kept and will be returned to us this month end.

  430. Hi pauline, there should be no cost. Just the money to open your account (2k for atm-only account). Bring valid IDs and ID pictures. BDO usually advises former employees using company-restricted payroll accounts to open their own accounts. If the issuing bank (branch written on your check) is near your place, you can also try encashing your check there; sometimes they encash checks even if crossed as long as it’s manager’s checks.

  431. how much will it cause me if im gonna convert my payroll account to a savings or checking account? i was advised to do that by our hr before for the final pay since they’re gonna issue a managers check which i just got last fri i really hope that you can help me thanks! ??

  432. Hi Edelyn, BDO and other banks are strict about issuing checking accounts. They will check if you have been a long-time account owner and if you have been depositing big amounts regularly. If you’re paying a car loan or a real estate loan, you can request for an endorsement letter for the opening of your checking account from your car lender or your real estate developer.

  433. Hi ms good day. I just want to know how can i apply a checking account to bdo. I have an account already but it is a remittance only. Can i apply a checking account also? If I withdraw through the teller, can I withdraw any amount? I mean is there no limit? How much is the maximum if through the teller.tnx

  434. Hi rheeya, I think your account is already closed. Try making a balance inquiry at a BDO atm machine. You might see account closed, account invalid, or account does not exist. You can open a regular BDO atm savings account — the maintaining balance is 2k pesos.

  435. Gud pm. We opened a Kabayan savings in 2012 but did not go abroad as planned. The atm was activated but was not used for 3 yrs, as in no deposits no withdrawals. The atm is valid thru 2022. Can we use it this 2015? Thanks

  436. Hi Miguel, your aunt can open a passbook account (the maintaining balance is 10k pesos), or she can open an atm savings account (maintaining balance is 2k pesos). Both these accounts can receive a check worth 900k. The passbook may be a better option, so your aunt can monitor her withdrawals.

  437. Hi kaye, I hope you have already resolved your concern since it’s now 30th. Sorry I wasn’t able to answer last 28th or 29th. I hope it was the atm machine that was not functioning. And if not, I hope you already have gone to your branch and ask. And I hope you confirmed that your account is still active. If your husband’s account is Kabayan, and if this account receives remittance from abroad at least once in 12 months, it remains active.

  438. Hi, I want to ask po what’s d best account to open at bdo,we need to deposit a check from my tita’s insurance worth 900k php. What’s the maximum deposit to a savings account? many thanks

  439. Hi, i just checked my husband’s Kabayan Savings card today (March 28,2015), but when i checked for the savings account, it only says unauthorized or inactive card, please contact the bank branch that issued the card. I’m worried because it’s to this account that my husband’s money is being deposited (OFW). I thought an OFW atm card of BDO doesn’t close. I also tried to update our passbook last month and I deposited money. then I withdrew. It was working. It’s only now that I checked and I can’t access. i also tried other atm machines. then the others who are also BDO cardholders also could not access. Was if offline? hope to hear from you soon.

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

  441. 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.

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

  443. 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.

  444. 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?

  445. 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.

  446. 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.

  447. 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.

  448. 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 🙂

  449. 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.

  450. 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

  451. 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.

  452. 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.

  453. 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

  454. 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.

  455. 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)

  456. 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 🙂

  457. 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.

  458. 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

  459. 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$.

  460. 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).

  461. 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 bdo.com.ph

  462. 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

  463. 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

  464. 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.

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

  466. Hi nems, those mean the check is a crossed-check, and that it should be deposited to the bank account of the payee (the name on the check; the name of the person receiving the payment). It cannot be encashed over the counter, except in special cases.

  467. hello! i have one question. can i use my BDO peso checkbook to pay abroad? I don’t have a credit card and there is an option that i can pay using check for my US exam. If allowed, my follow up question is how do i write the amount on the check in dollars because there’s already a peso sign on the check. thanks.

  468. Hi Joan, I think your account is already closed. Your account has been below the maintaining balance for 2 consecutive months. But check your account — You can make a balance inquiry at a BDO atm machine, and see the response.

  469. Hi Ms. Nora! I have a BDO Account with passbook. Sad to say last first week of july I made a withdrawal, and the left amount is 60 pesos. Is my account closed? i want to deposit 10k next month. I want to know if my account is still open or do I have to pay a penalty? Thanks a lot.

  470. Hi akm, this is a passbook account, so you need to bring your passbook. But if you want to withdraw more than 50k immediately (50k is the maximum atm withdrawal amount per day), and you only have your atm card, you can explain your situation to your bank manager.

  471. Hello. With my atm/passbook savings. Can i withdraw over the counter even i didnt bring my passbook? And how much ang max?

  472. Hi jack, do you have other ATMs for immediate needs? If yes, and you’re decided with this, you can cut your ATM card into pieces, and then just use your online banking.
    There’s this option of calling BDO and asking them to disable your ATM card because you lost it, but then you’ll be lying.

  473. I just wanna ask: Is it possible to disable the ATM for withdrawals and just use my online banking? Is it possible?Thanks

  474. Hi haldrich, it’s good that your BDO payroll account is flexible. Yes, if you’ve made personal deposits already, then it should be able to accept a big amount of deposit. No, your employer does not have normal access to your personal deposits or transactions — their connection to your account is only up to their payroll deposits.
    But so you don’t have to worry, you can open your own account with BDO with just 2 valid IDs and your maintaining balance of 2k. Tell them, if asked, that your other atm debit account is a payroll account.

  475. Hi, its me again. Btw. We already made several personal deposits to my payroll acct, but this time a much bigger amount will be deposited. Thank you

  476. Hi, good day can my father deposit to my bdo payroll account? Its quite big amt, will my employer question me or will they have the power to freeze the acct ? Tia

  477. Hi RG, is this a BDO atm-only savings account? without passbook? If yes, then your account is okay. About 3 months without deposit, it’s okay, as long as you don’t reach 2 years without any transaction, and as long as your balance is always 2k or more, or your monthly average daily balance is 2k or more.

  478. hi 🙂 i opened last june..after i changed pin, i no longer made any transaction (withdraw/deposit), almost 3 months already. is that okay? will there be no charge? my maintaining balance is above 2k 🙂 thanks

  479. Hi aldrin, your atm card is valid if your account is active. Is your account the regular atm account? The one with 2k maintaining balance requirement? Have you maintained the 2k balance? Have you deposited within the first 2 years. An account becomes dormant after 2 years of no withdrawal or deposit. If dormant, your account is on hold until you go to your branch in person and present IDs. If your balance is less than 2k, it’s most likely your account is already closed.

  480. Hi sarah, is this a BDO atm account? with the 2k maintaining balance requirement? If yes, and if your balance has been 100 plus since Sep 1, but you did not fall below the balance last August, your account will not yet close on Sep 30. If left as is, it will be closed on Oct 31, the 2nd consecutive month that your account falls below the maintaining balance requirement.

  481. Paano kapag maintaining balance is P100+, bank account close na po ba siya or kapag naka-30days po ang bank close account?? Thanks po

  482. Hi Hazel, withdraw through a BDO atm machine so you don’t have to pay any charge. If over the counter (usually it’s allowed), the interregional/interbranch fee might be 100 pesos.

  483. hi goodevening! i have a bdo kabayan savings account; i opened it in Cauayan Isabela. Can I withdraw here in manila? How much is the charge if ever allowed? Thank You And Godbless

  484. Hi Karl, is this a BDO payroll card? Because most BDO payroll cards do not allow over-the-counter deposit. These are only for electronic transfers from your company to your account. Ask your BDO branch, to be sure.

  485. Hi jenny, is your account Kabayan? Has 1 year not yet passed since account opening? Yes, you can remit to your account. But if this is a regular passbook account or a regular atm account, and many months have passed, your account might have been closed already. Whether your account is Kabayan or not, it’s best to call BDO or make inquiry at BDO contact page to ask the status of your account.

  486. good evening. may i ask if we can remit money to my account even if it has zero balance? please reply. thanks.

  487. Hi marose, is your payroll account a savings account and not cash card? If yes, then you can try depositing. If BDO accepts, then it’s good. But most BDO payroll accounts are exclusive, meaning they only accept electronic transfers from employers’ accounts. But you can try.

  488. Gud pm. I just want to ask if I can deposit my loan check from another bank to my bdo payroll account? I have no other account. tnx.

  489. Hi Joy, there’s a BDO branch along Regidor St in Sta. Cruz. If your account is atm savings, and you withdraw over the counter, you pay 100 pesos. There might be additional charge for interbranch withdrawal over the counter.

  490. Mam question po my bank branch po b kau here in sta.cruz laguna & lucban quezon??

    Ma if meron kng mgwthdraw po ako s branch nila peo manila po ako ng open no extra charge po b?
    Thank you

  491. Hi Renz, you change or enter your PIN the same way as for other BDO atm accounts. Your atm card for your SSS and other atm card can have the same PIN or different PIN.

  492. Hi rose, no penalty. A penalty is imposed only after 2 consecutive months of falling below maintaining balance.

  493. Will I get deducted with a penalty of 300 if I don’t maintain 2k within 24 hrs? For emergency need, I’ll withdraw 500 and then deposit the same amount within the day to restore the balance to 2k.

  494. Hi Ruel, your representative should bring his ID, your Kabayan passbook, and a BDO withdrawal slip with you having signed the Withdrawal by Representative portion of the withdrawal slip. If your atm card no longer works, you can go to your branch and have it reset for PIN change or replaced.

  495. Hi. I have a Kabayan card that I wasn’t able to activate, and its been 8 months ago already. I tried to activate it yesterday following the instructions given but it didn’t work til I reached the maximum number of attempts. Can I withdraw over the counter thru a representative? What are the requirements? Thanks!

  496. Hi April, yes, you request for a checkbook and pay 175 pesos. You can do it online or through phone. Make your request at least 3 weeks before you need the checkbook.

  497. Hi Eufronio, your brother can withdraw over the counter (otc) if he has your peso passbook and if he has a withdrawal slip with you having signed the withdrawal by representative portion of the slip. Your signature on the slip must match the one on their record. For atm-only accounts, I think otc withdrawal by representative is not allowed.

  498. Good morning,
    I have BDO peso account and USD account. I’m in California right now. How can I have my brother withdraw money one time from my peso account in the Philippines without me giving MG ATM card. I mean, mag withdraw siya sa teller? Thanks.

  499. Hi Tin, yes, you can hold only up to 10k in your BDO generic cash card at any time. If someone is sending you money, withdraw to give space to your new remittance.

  500. Hello,confused lang, so meaning, if the so called “Generic” card can only hold or maximum amount of P10k? Or you can still “reload” to that card exceeding to the said amount within one day?

    Thank you po.

  501. Hi Rj, you cannot have your PIN reset. BDO will tell you to replace your atm card (about 100 to 150 pesos). Bring your IDs. Your money is still in your account.

  502. Hi po ask ko lang what if nakalimutan mo ang pin ng atm cash card pwede po ba ito ipareset sa banko nandun pa din ba yung maintaining balance thanks

  503. Hi Elle, it will be closed immediately if the balance is 0.00. If there’s a balance, like 1.34, you can restore it by depositing more than 2k and maintain it, so you can save your account. If already closed, you can open again at the same branch, but it depends on the branch — you might be advised to open the following month. Try another branch.

  504. Hi Sto, if you know your account no., you can fill up the withdrawal slip and try withdrawing. Bring 2 valid IDs. If they can access your signatures, and if you can answer their questions, they might allow you. There will be withdrawal charges, if you’re allowed to withdraw.

  505. Hi Dianne, if your papa signed the Representative portion of the withdrawal slip, you must be able to withdraw. Withdraw at his branch. But if he did not and he signed the standard portion, then you cannot withdraw. Tell your papa you lost your atm so he can send you money for Cash Pickup at BDO.
    If there’s money in your papa’s account, your papa needs to maintain it (maintaining balance requirement) so he can withdraw it when he comes home.

  506. Hi JM, if there’s 1 or 10 pesos left, the account will not yet close. It will close after the last day of the 2nd month.
    About the penalty: The 300-peso penalty will be charged after the last day of the 2nd month, and then after the last day of the 3rd month, and so on, until the balance becomes 0.00 or until the account gets back to its maintaining-balance level.

  507. Hi Sey, yes, you can get a cash card even if you already have an atm account. They’re different kinds of accounts.

  508. Hello! Paano po ang magiging computation sa zero maintaning balance sa atm card?? Every month po ba ma charge ng 300 peso kapag hindi pa rin nalagyan ng laman ung card o every 2 months kung mag charge ng 300 peso?? Hindi ho ba mako close ang account kung halimbawang may laman pa na piso or kahit ilang ten pesos?? thank

  509. Tanong ko po is may ATM Debit Card po aq at kakakuha ko palang kahapon. Ngayon po pwede pa po ba akong kumuha ng cash card kahit may atm debit card nako? tnxs.

  510. Hi po.. Ask ko lang po kung halimbawang ung 2,000 pesos na maintaining balance ko ay winithdraw ko lahat mag automatic closed account na po ba ung account ko nun? At pwede pa po ba akong mag open ng new account nun sa bdo with the same name? Thanks po sa pagsagot

  511. Hi po! Ask ko lang po sana if pwede ko po bang magwithdraw gamit ang passbook ng Papa ko? Dati po kasi may ATM, kaso nawala ko po yung ATM at napablock naman po. Ako po kasi yung gumagamit pero sa Papa ko nakapangalan. Pwede po ba akong magwithdraw? Wala po kasi yung Papa ko dito pero meron pong withdrawal slip na may pirma niya. Ano pong pwedeng gawin? Ang sabi po kasi sakin, kailangan daw po yung may-ari mismo yung magwithdraw ng pera, e yung Papa ko po nasa abroad and di naman po siya makakauwi within the year or the next. Thanks!

  512. Hello po… Matanong ko lang sana po… Nanakaw po kasi yung wallet at kasama dun ung atm card ko. D naman po ako makakuha ng bagong card dahil nasa province po ung bank of account ko po. Maaari ko po bang i withdraw over the counter ung remaining balance ko kahit wala akong passbook at atm card? Thanks po in advance…

  513. Hi april, is your balance zero? as in 0.00? Might be closed already. Try making balance inquiry at a BDO atm machine. If already closed, email immediately your sender so he/she won’t send to your closed account. You can open a Kabayan — no maintaining balance requirement. Bring a foreign remittance receipt to show you’re receiving remittance from abroad. Bring 2 valid IDs and 1 id picture.

  514. Hi ask ko lang po… ung atm card ko nawithdraw ko po ung maintaining balance na 2000 active pa po ba nun mkktanggap padin bako ng remitance abroad nun?thanks

  515. Hi alvwin, your savings account will become dormant if you let 2 years pass without 1 deposit or withdrawal. For checking accounts, dormancy occurs after 1 year without any deposit or withdrawal.

  516. Hi Nora! I can maintain the required maintaining balance. Is there any other way that my account shall be considered as dormant?

  517. Hi Rod, if it’s a cash card account, you cannot deposit a check. If it’s a savings account opened for you by your company, it’s probably restricted to electronic fund transfer from company’s account. To be sure, ask your branch.

  518. Hi alvwin, your atm card is linked to Visa, so it has an expiration date. Yes, you need to replace your atm card in Dec 2014 or before. It’s only the atm card that has an expiration date, but your account remains valid, as long as you maintain your maintaining balance requirement, and you do not allow it to get dormant.

  519. dun sa atm debit card ko, may nkalagay na “valid thru 12/14”. kelangan ko ba syang i-renew before that date? kung sakaling kelangan at d ko narenew, ano mangyayari sa account ko at sa savings ko? thank you!

  520. Hi Charlote, do you mean encash your sss check? You cannot deposit your check in your friend’s account because the name on the check is different from the bank account name. You can open a BPI Easy Saver account at BPI Family with 200 and your SSS check.

  521. can we encash my my sss voucher in my friends bdo account,and if yes how long will it be available in her account?

  522. Hi Gloria, yes, if you don’t use it for a long time. The last time I asked, BDO said you should use it at least once in 6 months. But you can check by making a balance inquiry at a BDO atm.

  523. Hi annika, yes, you can. Do you already have an account? Fill up the deposit slip. If no account yet, bring your school ID and 1 ID photo and deposit money. If aged less than 12, bring your parent or guardian. There’s Junior Savers account for 12 years old and younger and there’s Power Teens account for 13 to 19 years old.

  524. ..ask ko lng po ..more that 1 yir ko ng d ginagamit ang atm ko may xpireration ba to?
    asap plss

  525. Hi Eli, if your account is a passbook account, then you can withdraw the whole 100k amount over the counter. If your account is an atm-only account, they ask you to withdraw the 50k from their atm, and then withdraw the other 50k over the counter, so you don’t have to pay 100 pesos. Note though that there are some branches that do not accept over-the-counter withdrawals from the clients of other BDO branches, or that charge 100 pesos for the withdrawal (based on comments online).

  526. Hi. Ask ko lang po kung pwede magwithdraw ng hanggang 100,000 pesos sa kahit anong branch ng BDO over the counter.

    Salamat po.

  527. Hi Joanna, yes, it’s 15 pesos per withdrawal at the ATMs of other banks. 100 pesos is charged if your account is atm-only, and you withdraw over the counter.

  528. Hi po. tanong lang po. may charge po b pag nagwithdraw ako through ATM sa ibang branch? I have a savings account po. o ung 100 pesos na charge ay sa over-the-counter withdrawal lang po?

  529. Hi Vanessa, that means you entered the wrong PIN 3 times. Are you sure about your PIN? When you changed your PIN, did you see “You have successfully changed your PIN”? Try again today and then tomorrow. If it’s still wrong PIN, then you go to your branch and have your atm card replaced (100 to 150 pesos).

  530. hi po, ask ko lang po, me problem po kasi ako sa debit card ko. gusto ko sana itry kasi kung okay na sya after dun sa pagchange ko ng passowrd. pero nung after a day to confirm ang lumabas sa kanya.
    You have reached the maximum pin.. Anu po kaya problem dun? Thanks po

  531. Hi Gilbert, sorry you cannot. Did you mean by “worth 24,000” na equivalent to 24,000 pesos? You can withdraw from a BDO atm with Visa logo a maximum of 25k pesos per withdrawal, up to 50k per day. If you meant 24,000 in foreign currency, Citibank and HSBC atms have higher withdrawal maximum amounts per transaction and per day.

  532. ask ko lang po kung pwede ako mag withdraw sa bdo over the counter gamit ang foreign visa atm card ko. Nag deposit kasi ang kapatid ko ng worth 24,000 tapos kailangan ko sya ma withdraw ng one time. Possible kaya po un. salamat po

  533. Hi analiza, go to your branch and ask if your payroll cash card can accept remittance from abroad. Most BDO payroll cash cards are only for company use. If your cash card cannot accept foreign remittance, ask your sender to amend his remittance to For Cash Pickup at BDO or ask your branch what to do

  534. gud eve may nagpadala sakin 25000 all the way from saudi bakit di ko naman mawithdraw hanggang ngaun, gamit ko yung sm payroll cash card nyo!tapos zero balance padin ako pero mga 1 week na nahuloog yungt pera

  535. Hi dannmark, ask your HR/accounting dept to reissue the check. If they know that the check will be good, they’ll advise you to go ahead and encash it at your company’s BDO branch.

  536. gud am po. Ako po c mark.. Tanong ko lang po,,unang sahod ko po sa work ko checke po ung binigay sa akin BDO po yng check, ang problema po ay yung pangalan ko po dun sa checke ay baliktad po bali ung first name ko po ay nging last name bali young apilyedo ko naging pangalan ko.. Paano po un ma iincash ko po ba yun? Salamat po

  537. Hi Gel, kung Kabayan account ito, yes, puede pang madepositohan o mapadalhan. Pero kung regular atm account, ang alam ko, kapag ang balance ay 0.00 ay closed na. Pede pa kung meron pang few pesos or cents. Pede ring mabawasan ng 300 pesos ang new deposit kapag 2nd month nang below maintaning balance.

  538. Hi, pwede p ba mkareceive ng money kahit zero n balance savings accnt atm, pero d pa sya closed accnt… thank you!

  539. Hi angel, yes, iwidro mo lahat ang puedeng mawidro mo at a BDO machine. Walang charge. Kung merong 2 pesos or konting pesos na naiwan, after 2 months, automatic nang mag-close ang account mo.

  540. Hi butch, enroll your cash card into your main BDO online account (enroll in BDO online banking if you’re not yet enrolled), validate your enrollment, and then transfer your cash card balance to your main BDO account.

  541. Hi anne, technically, your credit card does not expire. It is automatically renewed. You need to call your card issuer and cancel your card. Pag cancelled na, wala nang card na babawasan ng nagdedebit sa iyo.

  542. hello, how to close bdo savings account (atm without passbook)? iwiwithdraw lng po b ung balance n naiwan. pano po kng may 2 pesos n naiwan may fee pa ba na ichacharge.
    thank you…

  543. Hi..

    How possible is it to transfer my damaged atm card with an existing balance to my other accnt?

    Yung nangyari kasi hindi ko na ma access yung cash card ko which is my remaining balanced pa sya. from manila po ako pro since yung main office namin is in cebu doon namin na process yung cash card ko.

    Thanks,

  544. Just wanna ask.. will the auto debits of my credit card will continue to bill after my card expires?

  545. Hi anne, yes, because BDO will automatically renew your card before your card expires. If you want to cancel/close your card, call BDO and cancel your card. Get a reference no. to prove your phone transaction.

  546. Hi..
    Just want to ask about my credit card, it is about to expire, will i still receive a billing statement to those auto debits beyond the expiry date of my card?. Thanx.

  547. Hi esmer, puedeng hindi relative, basta meron siyang ID, match ang signature mo sa withdrawal slip at sa record nila, at dala ang passbook.

  548. Thanks po sa reply. Follow up question lang po. Kailangan po ba immediate family lang ang pwdeng gawing representative para magwithdraw over the counter? Or kahit po sino pwde gawing representative? Ano po ang dapat nyang dalang mga documents or requirements? Ty

  549. Hi Esmer, you can withdraw using the signed withdrawal slip, preferably at your own branch. Merong BDO branch na ayaw magpawidro over the counter kapag hindi sa kanila ang passbook account.

  550. Hi Jer, Kabayan savings account has no maximum balance limit. You can deposit as much as you want.

  551. Good pm po! Ask ko lang po kung pwede akong magwithdraw sa passbook dollar account ng asawa ko sa kahit saang branch ng bdo? Iniwan nya po sakin ang passbook nya at withdrawal slip na may pirma nya. Kailangan pa po ba ng authorization letter? Need ko po kasi magwithdraw sa panganganak ko. Thanks

  552. Hi Toodles, for BDO, the maximum is 50k pesos per day, or the equivalent in US dollars. For $20k, you need a money transfer process. Even Citibank’s max limit for atm withdrawal is just $3k per day. If you have a BDO US dollar account, BDO online banking and a US account, you can make a wire transfer online.

  553. Hi! Magkano pwedeng max withdrawal sa ATM per day. Pano mag withdraw kung nasa US ka at kaulangan mo ng more than $20k?

  554. Hi jellarica, I hope your problem is already resolved since it’s already May 3. May error ba somewhere? If the available balance is 530, then all 530 should be available for withdrawal.

  555. Hi,

    I just like to ask why can’t I withdraw money from my BDO ATM kabayan dollar account. It was deposited yesterday (April 30, 2014) from my friend in Kalaw, Manila BDO but still today (May 1, 2014) I can’t withdraw. It was stated in the receipt that my available balance is 530 dollars and my current balance is 30 dollars. So the amount that I cant withdraw is just the 30 dollars. How come that i can’t even withdraw the remaining?

  556. Hi darlene, the last time I asked, ang BDO payroll account ay puede lang depositohan ng employer. But you can go to your branch and ask if someone abroad can remit to your payroll account. Another option: Ask your sender to send you money through BDO via cash pickup over the counter at BDO.

  557. Hi gud noon. Ask ko lng.. my mgpapadala po kc skin ng money. Gus2 nia po bank acct kso wala po aq nun..pero my payroll acct po aq sa inyo..pde po ba sa payroll acct ko n lng nia ipadala ung pera dretso? Kc syang nmn po kng gagawa aq ng acct tas closed ko agad pgkakuha ko ng pera kc un lng tlga ang dhilan. Pls respond.. thanks

  558. Hi severino, hindi ka ba student, para meron kang school ID? O sana kung magawa mong driver’s license yang student license mo. Or find a bank that will allow you to open a savings account (puedeng atm savings, but not cash card) so you can deposit your check into your bank account. Para sure ask them if you can open your account with cash and a check, para madeposit mo na rin agad ang check mo, at para ma-sure mo that your account accepts checks.

  559. magandang hapon po pano ko po ma encash ung checke ko wala akong 2 valid i.d . dnala ko po ung police clearance , barangay clearance at student drivers liscsence ko lahat po un may picture . d po sya tinangap sa bdo branch sa s.m calamba .ano po bang dapat kong gawin .tnx

  560. 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.

  561. 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.

  562. 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..?

    thanks

  563. 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

  564. 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: https://www.bdo.com.ph/contact-us
    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).

  565. 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

  566. 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.

  567. 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

  568. 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.

  569. 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…?

  570. 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

  571. 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.

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

  573. 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

  574. 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.

  575. 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..

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

  577. 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?

  578. 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.

  579. 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.

  580. 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.

  581. 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?

  582. 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.

  583. 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

  584. 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.

  585. 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?

  586. 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.

  587. 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.

  588. 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.

  589. 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.

  590. 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.

  591. 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

  592. 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).

  593. 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

  594. 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.

  595. 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.

  596. 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.

  597. 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?

  598. 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!

  599. 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.

  600. 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.

  601. 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.

  602. 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.

  603. 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.

  604. 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?

  605. 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.

  606. 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

  607. 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.

  608. 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.

  609. 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.

  610. 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?

  611. 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

  612. 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..

  613. 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.

  614. 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

  615. 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.

  616. 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.

  617. 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..

  618. 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.

  619. 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

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

  621. 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.

  622. 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.

  623. 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?

  624. 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
    BDO Paseo – Gil Puyat Branch
    EBC Bldg., Paseo De Roxas corner Gil Puyat Ave.
    1200 Makati City
    Philippines

  625. 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 :'(((

  626. 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.

  627. 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 only..at 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..

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

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

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

  631. hello! i just wanna ask if pwede na ba mag withdraw ng pera using passbook, nag.open 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.

  632. 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.

  633. 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.

  634. 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.

  635. 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).

  636. 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).

  637. hi nors!

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

  638. 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.

  639. 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?

  640. 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.

  641. Hi!

    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?

  642. 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

  643. 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,

  644. 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.

  645. 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.

  646. 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

  647. 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?

  648. 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.

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

  650. 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.

  651. 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.

  652. 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?

  653. 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.

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

  655. 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.

  656. 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

  657. 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!

  658. 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 bancnetonline.com.

  659. 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.

  660. 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! 🙂

  661. 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.

  662. 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.

  663. 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.

  664. 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??

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

  666. 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…

  667. 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.

  668. 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?

  669. 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 (bpo.gov.ph)

  670. 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.

  671. hi,
    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.

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

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