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.

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