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 Lyn, yes, I think so. You can try today. If it says “your account does not exist” or similar replies, go back to your branch and ask for resetting.

  2. hello, I’m here in uae i have kabayan card and i already changed the pin I left my card in the phil. I already sent money for my account but my mom can’t open my atm. i need help thanks

  3. Hi vanessa, ask your mom to read the response of the machine. At what point of the atm process is she stopped? Does she choose “savings” as type of account?
    You can also use this BDO Remit Status Inquiry to track your remittance.

  4. Hi. Our BDO atm card has been replaced for a new one because it’s lost. It was released on us last April 27. We want to withdraw now but unfortunately the machine says “incorrect pin” . It’s his old password that I typed and we don’t want also to have new one. Any advise? Thanks

  5. Hi Matesh, your atm card is new, so you need to change the default pin. The default pin is any 6 digit no., like 123456 or 654321. Enter as new pin the old pin that you said you like.

  6. I was able to open a bdo savings account. i activated it and waited for 24hrs. It still says invalid and so i went ro the bank where i opened. I was able to withdraw! And nowwwww here if goes again when our school directress will deposit my salary the bank says i have an invalid accnt number! Can someone please help me. The bank is closed every sat and Sunday

  7. Hello I forgot what is my PIN number. I was able to use my ATM while in Philippines. What do I do now? I’m in New Zealand and my mother in law deposits money for me to withdraw here as my allowance.
    thanks please help

  8. Hi Lenly, so sad about that. But if you forgot your PIN, BDO personnel cannot retrieve your PIN because PINs are encrypted for security reasons. What BDO does is to ask you to replace your atm card in person here in the Phils so you create a new PIN. I hope you can remember your PIN.

  9. Hi Cristelle, it’s possible the school directress missed a digit. Did she text you when she was at the bank to countercheck? About the atm card activation, sometimes now, the activation is validated after 2 business days.

  10. Hi. just want to ask where I can see the pin code of kabayan savings. I wasn’t able to ask them. They gave me a passbook and ATM card but I wasn’t able to ask the pin code.

  11. Hi Cristina, with BDO, you can use any 6-digit PIN, maybe 123456 or 654321 as the default PIN or old PIN. When you change your PIN, enter 123456 as your current PIN, and then enter your prepared 6-digit as your new PIN. Prepare a PIN that’s easy for you to remember but difficult for others to guess.

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