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 cez, try at another BDO machine. Make sure you’re entering only 6 digits. Or try again tomorrow. If by tomorrow, you still can’t use it, visit your branch and ask.

  2. Hello po, kakaactivate ko lng sa atm cash card ko tapos na ok nman po cya nakuha ko na ung receipt na ng pin change. Pgtpos po nun ngbalance inquiry ako bale 0 pa ang balance.. bka po wla pa tlgang laman un.. Ang next ko po na ginawa ay nagbalance inquiry aq sa ibang atm machine na hindi bdo tas ang lumalabas na po ay invalid transaction.. hindi ko na cya ma balance inquire.. normal lng po ba un? Need ko mg antay ng 24hrs mgging ok na po ba un?

  3. Hello,paano po ung magactivate ka tax lagyan mo ng pin tapos sabi request cannot be processed daw new ATM po?tnx

  4. Hi cindz, baka nagkataon na on maintenance yong BDO system. Or yong atm mismo ang merong glitch. Try again at another machine.

  5. Hi Anne, yes, you’re right. Check again after 24 or 36 hours. Hindi pa puede ang balance inquiry or other transactions immediately after PIN change.

  6. HI..ask ko lng po,,paanu ko po maiactivate ang kabayan atm gusto ko napo sana hulugan ang problema po nsa brunei po acoh..naiactivate ko nman po xa bago ko umalis..ang kaso..dko xa maionline banking??nawala npo ung kopya ko ng papel,,dko ndin po matandaan

  7. Hi luzviminda, do you mean you don’t have a copy of your account number? You need your account number when you enroll in online banking. Call BDO from Brunei and ask: 00-800-8-631-8000. Pag alam mo na ang account no. mo, when you enroll in online banking, check “Outside the Philippines” para matawagan ka ng BDO para ma-complete ang process for enrollment.

  8. Hello po good eve..ask ko lng kabayan savings card po aq pero nkpnglan s husband ko n ofw…dahil 15 yesterday expected kn n naa may pera n accnt. Then i check my blance ..2 atm machines n pnuntahan ko keep saying invalid..what should i do..?pls help

  9. ngreg ako for online banking tapos ang nakalagay sa savings/checking account this account is inactive paanu un di tuloy mktransfer

  10. Hi elen, na-activate mo na through a BDO atm yong online banking enrollment mo? If na-activate mo na at ayaw pa rin, wait for 24 hours. Pag ayaw pa rin, call BDO 631-8000 or visit your branch.

  11. Hi akiho mae, saan inopen ng husband mo ang account? Kung sa abroad inopen, maaaring hindi pa na-activate ang kanyang atm card. Kung hindi pa activated, ask your husband to go back to where he sent the money, so he will change it to FOR CASH PICKUP, para kunin mo na lang over the counter sa BDO. Fill up a Remittance Payment Slip.

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