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
2. Insert card
3. 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.
4. Enter the default PIN (123456)
5. Press “Other Services” button
6. Press “PIN Change”
7. Enter your PIN (the 6-digit you prepared)
8. Re-enter your PIN (the 6-digit you prepared)
9. 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