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. Hi maricar, wait for 24 hours, then try again. Make sure you enter your correct PIN. If you can no longer remember your correct PIN, go back to your BDO branch and ask for a replacement card. You might pay 100 or 150 for the new card.

  2. Hi Ace, were you able to change your default PIN? After successfully changing your PIN, you can make a balance inquiry or withdrawal the next day.

  3. Hi there! My BDO Kabayan account is already activate in the Philippines. But here is the problem, when I try to withdraw money here abroad,it says there that my PIN is invalid. How come? Is there a chance I change it here? Wanting to call the International Toll-Free Hotline but I think Qatar is not included in the list. Only Saudi and UAE have this number. Thanks!

  4. Hi Liza, sorry but you can activate your atm card only in the Phils. If you didn’t change your default PIN where you were in the Phils, then change your PIN when you take your next vacation. To check your balance, you can use this BDO Contact page to ask about your account.

  5. ms. how can i activate my atm card? I did not change my card PIN when I was in the Phils. I’m here now in abu dhabi. Thanks

  6. Hi oliver, sad to say, you cannot activate your card there because there’s no BDO atm machine there. Activate it when you take your vacation.

  7. I have a bdo atm issued to me by my last employer for payroll. My card was stuck in my wallet for 5 months. My problem is that it was in this cash card where my 13 month pay was deposited. When I made withdrawal, the response was ‘invalid card.’

  8. Hi Jhed, call your former employer and ask if the deposit of your 13th month to your cash card was successful. If the card was already invalid, then their deposit should not have pushed through. If successful, go to your employer’s BDO branch, and ask how you can reactivate your cash card so you can get your pay. Or you can go to BDO first before calling your employer.

  9. my pin is incorrect whenever i try to check my atm bdo cash card payroll, and i guess i havent activated it for the past 2years since i hold my card, do you think the problem is not yet activated?

  10. Hi kathrina, how have you been getting your pay? You should go to your BDO branch and request for reset so you can enter your PIN; tell them you have not activated it ever since. They might however ask you to replace your atm card with replacement fee.

  11. Why was bdo not able to give my account number when i claimed my new atm debit card? Aren’t they supposed to give me a copy of the account number upon claiming my atm card?

  12. Hi marga, yes, you’re right, they should have. You can see your 12-digit account no. in your machine-validated deposit slip, near your name, starts with 00.

  13. Hi dinah, with BDO, since PIN is encrypted, BDO personnel say they cannot retrieve it, so the remedy is for you to apply and pay for a new atm card and enter your new PIN.

  14. Gud day po, I have withdrawn my maintaining balance of 2k from my bdo atm over a year ago. Is it still active? If I deposit again, will they deduct a fee. thanks

  15. Hi rose, I think your account is already closed. Once an account gets to zero or negative, it’s automatically closed. You can try using your atm card to check.

  16. 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.

  17. 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.

  18. 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.. :(

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

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

Working Pinoy © 2008-2014 Frontier Theme