How to Input your BDO ATM PIN and Activate your New BDO ATM Card

Updated February 15, 2013:

Many new BDO account owners are commenting here that they don’t know how to input their ATM PINs or validate their ATM cards.

Nowadays, BDO instructs new account owners to use 123456 as the default PIN no.

If you were not given a default PIN no., you can use 123456 as your default no.

Before going to an ATM machine to change your PIN and validate your new ATM card, make ready your 6-digit PIN, so you don’t get confused. Memorize it.

Don’t use your birthday as your PIN. Not 123456, or 987654, or 888888. These numbers are easy to guess. Think of a six-digit number that you can easily remember, and will not forget, but difficult for others to guess.

Think of an event, a place, or something that remains vivid in your mind. And a six-digit number that relates to that event, place, or something.

There are OFWs commenting here saying they’ve forgotten their PINs, and therefore could not use their ATM cards. A memorable event, place or something might retrieve that 6-digit number from the mind.

Here are the steps to validate your BDO ATM debit card, or to input your BDO ATM PIN.

The steps described here may vary with the actual steps, as procedures keep improving, but they’re essentially the same.

Of course, you read the instructions on the screen, but generally here are the steps:

1. Go to any BDO ATM machine
Insert card
If the card comes out, and it says “Take the card for …”, get the card.
Banks did this to prevent people from forgetting their cards at the machines.
Enter the default PIN (123456)
Press “Other Services” button
Press “PIN Change”
Enter your PIN (the 6-digit you prepared)
Re-enter your PIN (the 6-digit you prepared)
Get your receipt

If you want to see if your ATM card is already activated and your PIN is already encoded, you can make a BALANCE INQUIRY.

Most of the time, you CANNOT yet make a Balance Inquiry. You might get a response such as Your Card Is Invalid, or Account Invalid.

Don’t worry. Try the next day. Your ATM should already be activated and ready.

For OFWs who opened their Kabayan accounts abroad:

Your Kabayan account is already active; you can remit/send/deposit money to it.

It’s only your ATM card that needs activation, and you can activate your card only here in the Philippines.

Before activating your ATM card, go to the BDO Main branch at the corner of Gil Puyat Avenue (formerly Buendia) and Paseo de Roxas. This is the first intersection you’ll see if you’re coming from EDSA. Why go there? To link your ATM card to your account. This extra procedure was probably done to safeguard your money.

After the linking is done, you can change your PIN at any BDO ATM machine.

For further questions, don’t hesitate to call:
BDO Costumer Contact Center at:
Metro Manila: 631-8000
Domestic Toll-Free No: 1-800-10-631800

How to Input Your BDO ATM PIN and Activate your BDO ATM Card

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Add a Comment
  1. Hi! I have a question which is a bit out of topic will you get charge as well if you withdraw cash over the counter for a reason that your debit card is blocked or say you have new card waiting to have it activated and you can’t really wait for 24 hours as you badly needed money.TIA.

  2. Hi Alaine, if your account is atm-only account, yes, you’ll be charged 100 pesos for withdrawing over the counter, and you’ll have to explain and show your atm card and IDs.

  3. Hi..what type of account is the debit card.. is it savings, current or cash card?? I got confuse when i try to withdraw, the atm says i enter the wrong pin but im pretty sure that thats my pin.. i started thinking maybe i choose the wrong type of account.. please help.. :(

  4. Hi erika, it’s savings account. But if your account is a checking account, it’s current account.

  5. Hi Nora, I just received my ATM card but it is not active yet. There’s a money deposited in my account and i want to withdraw it for emergency purpose. Is there a way that I can withdraw it online? I am currently here in abroad.

  6. Hi Marlo, withdraw online or transfer online? If you’re enrolled in BDO online banking, you can transfer money to another registered BDO account for free, or you can send money to another bank’s account or unenrolled BDO account for 100 pesos.

  7. hello po, im here in kuwait im using kabayan atm card since 2012 and also i check also here my balance. is it possible to withdraw in the machine where i make balance inquiry?

  8. Hi rose, yes, if you can make balance inquiry, you can also withdraw. Atm withdrawal fee is usually 3.50 US dollars. Inquiry fee is usually 1 US dollar.

  9. Hello po, i want to ask lang po kung ilang years po before maexpire yung BDO ATM Debit card? and How can i renew it?thanks

  10. wala po kasing nkalagay na valid thru sa card ko ,local card lang po un hindi visa or mastercard. Sa atm machine po ba hindi ko mkikita info. regarding the expiration of my card? and anu po ibig sabihin pag naexpire yun?salamat

  11. What should I do if I changed my PIN and the machine responded “transaction failed”?

  12. Hi. What if di ko agad naactivate yung card ko after ko nareceive sa company after 2 days?

  13. Di ko po napalitan agad yung pin ng cash card pagkaissie ng company. Ilang days ba valid palitan? Thanks

  14. Hello po, i want to ask lang po kung ilang years po before maexpire yung BDO ATM Debit card? and How can i renew it?thanks local lng po yung card ko without visa or mastercard logo.

  15. I just want to asked if how man digits pin because as i remember i only have 4 digits. and other issue us that i was not able to widraw money from to banks (Metrobank and RCBC) whats the problem with my bdo card?

  16. Hi Lyzander, a BDO atm card requires a 6-digit PIN. If you can no longer remember your PIN, go to your BDO branch with IDs and a card replacement fee of maybe 100 pesos.

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