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?

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Add a Comment
  1. 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.

  2. 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.

  3. 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.. :(

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

  5. Hi Nora, I just received my ATM card but it is not active yet. There’s a money deposited in my account and i want to withdraw it for emergency purpose. Is there a way that I can withdraw it online? I am currently here in abroad.

  6. Hi Marlo, withdraw online or transfer online? If you’re enrolled in BDO online banking, you can transfer money to another registered BDO account for free, or you can send money to another bank’s account or unenrolled BDO account for 100 pesos.

  7. hello po, im here in kuwait im using kabayan atm card since 2012 and also i check also here my balance. is it possible to withdraw in the machine where i make balance inquiry?

  8. Hi rose, yes, if you can make balance inquiry, you can also withdraw. Atm withdrawal fee is usually 3.50 US dollars. Inquiry fee is usually 1 US dollar.

  9. Hello po, i want to ask lang po kung ilang years po before maexpire yung BDO ATM Debit card? and How can i renew it?thanks

  10. wala po kasing nkalagay na valid thru sa card ko ,local card lang po un hindi visa or mastercard. Sa atm machine po ba hindi ko mkikita info. regarding the expiration of my card? and anu po ibig sabihin pag naexpire yun?salamat

  11. What should I do if I changed my PIN and the machine responded “transaction failed”?

  12. Hi. What if di ko agad naactivate yung card ko after ko nareceive sa company after 2 days?

  13. Di ko po napalitan agad yung pin ng cash card pagkaissie ng company. Ilang days ba valid palitan? Thanks

  14. Hello po, i want to ask lang po kung ilang years po before maexpire yung BDO ATM Debit card? and How can i renew it?thanks local lng po yung card ko without visa or mastercard logo.

  15. I just want to asked if how man digits pin because as i remember i only have 4 digits. and other issue us that i was not able to widraw money from to banks (Metrobank and RCBC) whats the problem with my bdo card?

  16. Hi Lyzander, a BDO atm card requires a 6-digit PIN. If you can no longer remember your PIN, go to your BDO branch with IDs and a card replacement fee of maybe 100 pesos.

  17. Hi. I changed pin a while ago and was successful. Then I tried balance inquiry but the machine said my account does not exist. Bdo kabayan savings. Does it take 24 hrs for activation after change pin? Tomorrow can I make balance inquiry?

  18. Hi Nora. I already changed the pin of my BDO account and it’s more than 24 hours now but still it appears that my account does not exist. I was able to try it on different BDO ATM machine and it is all the same. Please advise. Thanks.

  19. I applied for a BDO Kabayan account and successfully changed my pin. When I check my account on a different ATM BDO machine after more than 24 hours it’s still appears that my account does not exist. Please advise. Thank you.

  20. the cash card of my mother in the province — I was having it enrolled via online banking. but my sis was the one enrolling it via online banking enrolment. she could not see Other Services, as she was trying to activate for online banking. Isn’t it that all atm machines of BDO have Other Services?. Negros Otheccidental is our province. please help us how tnx

  21. Hi Trafalgar, a cash card is not a savings account card, so this could be the reason why Other Services does not appear among the options at a BDO ATM. You are not allowed to use a cash card as your main card in enrolling BDO online banking — you must use a savings account like BDO Kabayan or a regular atm or passbook savings account. And then after approval and activation, you can enroll your cash cards as part of your main savings account.

  22. Hi james, if you just opened your account today or yesterday, it’s most likely that your account is not yet active, or not yet valid for atm withdrawal. It could also mean you pressed the wrong account type. Or the machine could be not functioning properly. Or you opened your account abroad, and your atm card is not yet linked to your account. Call BDO or go to your branch.

  23. Hello po. i really forgot my kabayan atm pin, and after ive tried 3times it was already blocked. it was then when I remembered my correct pin. tsk! What am i suppose to do po? I do really need to withdraw cause we’re far from the city.

  24. Hi Angela, sorry but BDO’s policy is for you to wait for 24 hours before trying again. They reset their system 24 hours after the time your account was blocked.

  25. What should I do? i was worried because my relative asked me to withdraw for her but unfortunately i entered wrong pin three times and it was blocked. will it be reset? what should i do? please help me

  26. Hi Sherelyn, yes, it will be reset after 24 hours. Make sure you have the correct PIN when you try again tomorrow.

  27. hello po. When I activated, the first PIN I entered was four-digit. then I entered 6 digits for second and third entries. And they verified. does it make any problem po? 24 hrs will have passed by tomorrow.

  28. Hi Mar, it’s most likely your activation is good and valid. The first PIN entry acts as the default PIN, and based on your experience, it seems that the default PIN can be 4 digits

  29. Hi po!when i encode my pin i confused to enter 6 digit PIN its mean f i enter 6 digit i enter d default pin first? or i prOceed d new PIN?Because here are the step.1.go to any BDO ATM.2.Insert other services button.4.pres pin change.5.enter6 digit pin.6enter new pin….

  30. Hello po tanung k lang po kung ung enter 6 digit pin ay ung default pin po ba?bago mag enter ng new pin? Tnx po

  31. Hi shobe, yes, first enter default PIN (can be 123456 or any 6 digits), then enter your new PIN, and then re-enter your new PIN. You should get a message that your PIN change is successful.

  32. Hi, I was told to change my PIN immediately after opening, but the BDO machine was offline. Will I have a problem if I change my PIN tomorrow?

  33. My mother had my pin no. blocked because my passbook was stolen. how can I have my PIN unblocked.

  34. Hi criza, does your mother own the account? I’m puzzled she was able to have your PIN blocked if she doesn’t own the account. Whoever owns the account should go to the branch where the account was opened and have the PIN unblocked. Bring IDs. Or call BDO first 631-8000

  35. How can i know the expiration date of my atm debit card? If it is not indicated in my card? And what happen to the card regarding the expiration.Thanks

  36. Hi Miss J, if your atm card does not have a Mastercard or Visa logo, it does not have an expiration date. If no expiration date, that means your atm card remains active as long as your account is active.

  37. Hi. When we check the balance inquiry it has 20k but when we try to withdraw it it say that the account does not exist. Do we need to wait 24 hrs to withdraw the cash that send to us

  38. Hi Joyce, your check has not yet cleared, so it’s not yet available for withdrawal. Withdraw on the 3rd day after check deposit (4th day if deposited after lunch). If it says account does not exist, it’s either your ATM card is new and you just changed your PIN (wait for 24 hours), or you pressed the wrong account type.

  39. hi how about if I forgot my pin code for my kabayan savings? Can I still remit money to my account? and when I get back to the Philippines, can I get my money? Thanks.

  40. Hi Jasmine, yes, you can remit to your account even if you forgot your PIN, as long as you’re sure your account is active. Remember also that you need to send to your account at least once in 12 months so it remains maintaining-balance-free. Is your atm card with you? Keep it safe. If your atm card is not with you, you must call BDO and report that it is lost. In both cases, when you get back to the Philippines, BDO will require you to apply and pay for a new atm card in person at your branch.

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