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

Can I Enroll in BDO Internet Banking While Abroad?

OFW Parents Take Advantage of Free Internet Banking to Manage Your Childrens Weekly Allowance


Add a Comment
  1. hello what can my husband do with his atm. we changed his pin but whenever he wants to withdraw, the response is wrong pin. he can’t use it up to now.

  2. Hi lory rose, if the response is always wrong PIN, it’s most likely the PIN is wrong. Your husband should go back to his branch, and ask for a replacement atm card (the fee could be 150 pesos) and change the default PIN and validate his atm card again.

  3. Happy afternoon, is it okay that I’m not able to change immediately the pin of my new atm card? I opened a new account.

  4. Hi how to activate my kabayan atm card if im abroad(manama bahrain) i like to activate my acct. So that i can monitor the balance. Please here my contact #097337388810

  5. Hi Joey, sad to say, you can activate your atm card only in the Philippines because there’s no BDO atm machine abroad.

  6. hello.. i already activated my bdo debit card but still not activated.. its already two days since i activate my debit card..

  7. Hi kristine, I hope your debit card is already activated, and I hope you’ve already performed a successful balance inquiry.

  8. Hi. I was able to change my pin yesterday they told me to wait 24 hours and i did. Now am trying to withdraw my money and atm says account doesntt exist

  9. Hi Judith, try again tomorrow, sometimes now it takes 2 days. I hope you pressed correct button or screen area for type of account.

  10. My atm card was already available last monday. And I received it lastnight. And changed the PIN this morning. But everytime I try to make a transaction it always display “account doesnt exist” please help.

  11. Hi.I have a savings acct passbook with ATM I have 13000 pesos and withdraw 7000. Is my acct be close because it is below minimum of 10k?

  12. Hello, I opened an account passbook w/atm. I got my atm oct.16. But did not activate it. Can I activate it next week? thank you po.

  13. Hi Pamela, no your account will not be closed. Your account will still be active. This October, you fell below the maintaining balance of 10k. If you fall again in November, you will be charged 300 pesos on Nov. 30. But if you maintain 10k in November, there will be no charge. So make sure you have 10k or more in your account on Nov 1, and the whole month of Nov.

  14. Hi Sam, I think the time frame to activate is 2 days. But they might have changed their policy, so you try changing your PIN to activate it. If your card can no longer be activated. go back to your branch and ask. Or you can call BDO

  15. hi! good afternoon, i have my bdo kabayan savings account, and few minutes ago that’s my first time to use it to withdraw money abroad (KSA),but then as i enter the pin, machine says that it was an invalid pin number, i tried it three times afterwards it says to call my bank for further details about the wrong pin, but i remember when i was in Philippines i already used this account and had the same password,what can i do now? hoping for your response, thank you.

  16. Hi Marj, did you use a machine that has the same logo as on your atm card (Mastercard or Visa)? You can try again at another atm at another time. If still not successful, call BDO toll-free, if landline, 800-863-0011

  17. Hi! im have a kabayan savings here in doha, Qatar and last month i enroll to the online banking but unfortunately i did not answer the question of the BDO agent. and she send me a email for the requirements so that i will send mail to the Philippines but i cant send post mail because of my work. do i have a any option again? can i enroll again in online banking even i did not send a mail for requirments.

    Many Thanks :)

  18. Hi Jhove, you can still send the requirements by postal mail if you’re still within the deadline (usually 30 to 45 days, depending on the no. of days mentioned in BDO’s response to you). If it’s not possible for you to send postal mail from there, then wait till you’re about to take your vacation in the Philippines, and enroll there (within the Phils), so that by the time you arrive in the Philippines, you already have the code to input through a BDO atm machine here to validate your enrollment.

  19. Hi roxanne, try remembering your PIN, and then try twice at a BDO atm – twice only, because the machine might capture or disable your atm card. If you really can no longer remember your PIN, go back to your branch, and tell them you forgot your PIN. You will most likely be asked to replace your atm card because they can’t retrieve your PIN. Might cost you 100 or 150 pesos.

  20. hi ate nora. I’m afraid of depositing to my account because I forgot my PIN. How can i make new here in qatar?

  21. Hi jovit, sorry you cannot create a new PIN there in Qatar. The policy for lost BDO PINs is to ask for a replacement atm card, and then you input your new PIN. If your account balance is 10k or more, or if you have deposited to your account within the past year, your account is still active, and you can deposit to it. But if you are not sure, call BDO: (Qatar’s International Access Code) + 800-8-631-8000

  22. Hi David, if you forgot your PIN, you need to visit your BDO branch with your IDs and atm card and tell them you forgot your PIN. They’ll ask you to apply for a replacement atm card (cost is around 100 pesos) so you can enter your new PIN.

  23. Hi po gud eve..tanong ko lng po bgo lng ako mgkaron atm card at hndi po ako marunong,pgkuha po ba ng bgo atm e pde ng hndi palitan ung pin,ska po ang gamit ko e kabayan savings acnt nsa abroad po kc aswa ko,pg po ba mag withdaw ako anu kelangan ko gamitin,cash or savings,anu po ba pgkakaiba nila..sana po mtulungan nyo ko,salamat po..godbless..

  24. Hi,? I recrive my ATM Debit Card last Dec.12 and the bank teller told me to activate or change the PIN in the next two days. Due to busy schedule, I forgot to do it and its been more than a week now. Is it still possible to change my PIN today or I need to coordinate it first. Thanks

  25. Hi Lizel, you might still be within the time frame. Try doing your PIN change today, and if not successful, call BDO 631-8000

  26. Hi, My kids have a debit card before I left it to them, I change the pin. Now they tried to access through atm machine unfortunately the machine responded with a wrong pin. I cant remember if I activated it or if the pin is wrong what shall we do. Thanks for any assistance.

  27. Hi Jopet, you said you changed the PIN, so maybe you gave the wrong PIN to your kids. Try to remember the correct PIN so that they can try again after 24 hours. If you can’t remember the correct PIN, and if this debit card is in your name, it’s only you who can go to BDO and request for a replacement card so you can input a new PIN. BDO does not retrieve PINs due to their encryption system.
    If you have BDO online banking, you can send money from this debit account to one of your kids for cash pickup at any BDO branch. Use the Send Money option after you login.

  28. Hello po. Ask ko lang pano po ba yung time deposit? Ano po requirements at yung computation. I don’t have idea po.

  29. hello po I opened a new bdo kabayan saving account and i changed the atm pincode, but it says invalid card if I make balance inquiry. Do I need to activate the atm card? Now I’m here abroad, I wish to deposit but I have concerns.

  30. Hi jayson, if you changed your atm pin, it means you already activated your atm card. Did you try making a balance inquiry the next day? Or the second day after PIN change? Does your atm card has a Mastercard logo? Try making a balance inquiry there at an atm with Maestro or Mastercard logo. Atm inquiry fee is 1 US dollar. If you opened your account just this month or last month, your account is active. Find a BDO remittance partner there so you can be sure your remittance will be credited to your account. Then use this BDO Remit Status Inquiry to track your remittance.

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