BDO Bank Rules — Banco de Oro Updates, Reminders

Updated October 2015

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

  • Maximum amount of ATM withdrawal per day  =  50,000 pesos
  • Maximum number of ATM withdrawals per day  =  5 times
  • Minimum amount of ATM withdrawal per transaction at BDO ATMs  =  200 pesos
  • Maximum amount of ATM withdrawal per transaction at BDO ATMs  =  10,000 pesos
  • Fee for Withdrawal at the ATMs of other banks  =  11 pesos
  • Fee for balance inquiry at the ATMs of other banks  =  2 pesos
  • Withdrawal fee at MasterCard Cirrus and Visa Plus ATMs abroad =      US$ 3.50
  • Balance inquiry fee at MasterCard Cirrus and Visa Plus ATMs abroad  =  US$ 1.00
  • Denied Transaction at MasterCard Cirrus and Visa Plus ATMs abroad = US$ 1.00
  • Fee for not maintaining the Monthly Average Daily Balance  =  300 pesos
  • Maintaining balance for peso ATM accounts  =  2,000 pesos
  • Maintaining balance for peso passbook accounts with or without ATMs  =  10,000 pesos
  • Maintaining balance for SSS Pension accounts  =  100 pesos
  • If your account is a BDO Kabayan account, your required maintaining balance is zero, but you need to remit from abroad to your account at least once every 12 months.                                                                 If you are not able to remit once, your account will become a regular passbook account, and you will be required to maintain 10,000 pesos (if peso account) or $500 (if dollar account).  If you’re not able to maintain your account, you will be charged 300 pesos every month, until you’re able to maintain your account, or until your balance becomes zero or negative and  will then be closed.
  • When you open a new account, you need to:

– be physically present at the bank  (not representative, not even family member)
– bring at least two valid photo IDs  (original and clear photocopies)
– bring a recent 1 x 1 photo


Reloading BDO cash cards, based on personal experience:

–  At BDO branches inside SM Malls, you can deposit to BDO Cash Cards only up to 6 pm. Each BDO branch also has a maximum limit on the total amount of cash card reloads. So it’s better to reload in the morning.

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

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

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

–  If your account is ATM-based (no passbook), you pay 100 pesos if you withdraw at the counter.  But if you have already withdrawn 50K from the ATM, and you need some more, you can withdraw over the counter for free. 


About BDO account numbers: 

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

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

Related Articles:

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


Add a Comment
  1. Hi 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

  2. 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

  3. 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

  4. 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.

  5. 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

  6. 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.

  7. 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.

  8. 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

  9. 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.

  10. 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

  11. 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.

  12. 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

  13. 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 .

  14. 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.

  15. 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.

  16. 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.

  17. 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?

  18. 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?

  19. 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.

  20. 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?

  21. 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

  22. 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.

  23. 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

  24. 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? :(

  25. 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.

  26. 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

  27. 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.

  28. 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.

  29. 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.

  30. 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?

  31. 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.

  32. 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

  33. 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.

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