BDO Kabayan ATM Debit Card — Can It Be Used Abroad?

Updated March 17, 2018

Yes, you can use your BDO Kabayan ATM Debit Card with a MasterCard or Visa logo to withdraw money from ATMs outside the Philippines.

Your BDO Kabayan ATM Debit Card can be used to withdraw money abroad as long as:

  1.  it has a Mastercard or Visa logo
  2.  it is active
     (you have successfully changed your PIN at a BDO ATM in the Philippines)
  3.  it has sufficient balance.
  4.  you are withdrawing from an ATM that has a Mastercard/Maestro/Cirrus or Visa/Visa Plus logo.

You can also use it to buy goods at Mastercard/Visa-linked stores abroad.
See fees for withdrawal and purchase transactions below.

New Update!
If you own a BDO Kabayan ATM debit card, know that your ATM card should be replaced with a new EMV ATM debit card. It has an EMV chip.

Invalid na ang BDO ATM cards na walang EMV chip. For Kabayan cards, valid pa, pero up to March 31, 2018 na lang.

BDO ATM debit card

EMV stands for Europay Mastercard Visa. It has chip technology that can reduce skimming and other fraudulent attacks.

The new EMV ATM cards are free. For replacements due to loss, damage or change of brand (from Visa to Mastercard or vice versa), the card replacement fee is 150 pesos.

If you are currently in the Philippines, visit any branch with your BDO ATM card and valid IDs and request for your EMV ATM card. For generic cards (no name on the card), you can get it immediately. For personalized cards (your name on the card), you request and return to get your new card after 3 days, if in Metro Manila, and after 7 days, if in the provinces.

If you are abroad, you can ask your authorized representative to get your ATM card in your behalf. Here are BDO’s instructions on how you can authorize your representative to get your EMV BDO ATM card.

For owners of other BDO ATM debit cards (non-Kabayan and non-payroll):

If you have not claimed your new EMV ATM debit cards, know that ATMs will no longer honor non-EMV BDO ATM cards starting February 1, 2018. BDO said announcements were made about this new EMV card since 2016.

You need to claim your new EMV ATM cards to be able to withdraw from ATMs. Claim at your branch of account. Bring your valid IDs. After receiving your new ATM card, change your PIN at a BDO ATM.


Where to withdraw money or inquire abroad:
For cards with the MasterCard logo, withdraw at the ATM of any bank with the Cirrus Maestro/PLUS logos.

For VISA cards, withdraw at ATMs with the VISA/VISA Plus logos.

Cards without a Mastercard or Visa logo:

If your ATM card does not have a MasterCard or Visa logo, you cannot withdraw from ATMs abroad.

When you claim your new BDO ATM debit card with EMV chip, it will already be with a Mastercard logo. If you prefer Visa, you can have it changed for a fee of 150 pesos and processing will take 3 to 7 days.

These are the transaction fees for ATM withdrawals abroad:

  • Balance Inquiry –  US$ 1.00
  • Withdrawal –  US$ 3.50
  • For unsuccessful ATM transactions such as wrong PIN, insufficient funds, exceeds limit, etc., you will be charged US$ 1.00.

For purchases at stores abroad:
There’s a foreign exchange conversion fee — Assessment fee of 1% plus service fee of 1% of the converted amount. Conversion rate will be based on the prevailing foreign exchange rate of BDO at the time of transaction.

For your financial needs abroad, do not rely solely on your BDO ATM debit cards while abroad.  Your cards, the ATMs and bank connections might not work all the time.

Related Article:

BDO Kabayan Savings and BDO Remit Cash Cards for OFWs

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

Updated: March 17, 2018 — 9:23 am


Add a Comment
  1. Hi Johnny, dito sa Philippines, you can try again after 24 hours. If still blocked, call BDO.

  2. Hi did anybody tried dito with BDO DEBIT CARD tried to withdraw 3 incorrect atm pin with Emirates NBD and then na block card ko? Can I try again after 24 hours or I need to call BDO?

  3. Hi Jona, meron na bang EMV chip yong card mo? Kasi kung old card pa yong sa iyo, nadeactivate na yan. Basahin mo yong instructions dito: BDO Kabayan EMV card

  4. Hello po tanong ko lang po kung pwede ko gamitin dito sa kuwait ang aking bdo kabayan card for paying bills in department store. My card was issued feb. 2017

  5. Hello po, ask lang po, how to send money po to my bdo kabayan acct.from Europe Via Online or Remittance po?

  6. Hi maam..
    Ask ko lng po…ginagamit ko bdo kabayan savings dto sa saudi as withdrawal.3 times npo ako nag remmit as savings tapos 3 times ko din po ginamit dto nag witdraw..bkit po naginquire ako ng balance prang hnde nabawasan??mraming salamat po sa tugon..

  7. hi! ma’am Nora, Mag exit na po ako dito sa saudi for good, so yung KABAYAN BDO ko papadala nila yung exeit pay ko sa company bago ako makauwi.
    Ang question ko po ay, since 2016 na nkuha ko ang Kabayan BDO ko ay hindi ko pa siya na online. Pero nagagamit ko siya thru withdraw and deposit Philippines and Saudi Vise versa. Pwede ko ba ma resgister dto sa saudi thru online banking para makita ko yung balance ng exit pay ko na papadala ng kumpanya namin? instead na mag balance inquiry sa mga ATM’s? Many Thanks ng marami in advance sa pag sagot po…

  8. Hi jomer, ah meron ka na palang online banking. Yes, i-enroll mo na ang Kabayan account mo sa online banking mo. Lahat ng BDO accounts mo, pati BDO cash card, BDO credit card or BDO loan kung meron ka, i-enroll mo sa iisang account mo. One online banking account per customer.

  9. thanks po mam nora sa reply,,,pero meron nakong online banking po,,kailangan pa bang i seperate yung kabayan saving para i enroll online banking po??or kahit sa dating online banking mo eh pwedi nang i check yung kabayan mo??me naalala po ako kasi noon na,,sabi nung employee sa bdo,,kung meron kanang active bdo online banking account…kahit doon mo nalang i register kabayan mo para isaan nalang..pwedi po ba yun??

  10. Hi jomer, puede kung meron kang BDO online or mobile banking. Puede mong subukan mag-enroll while there abroad kung nag-a-approve pa rin sila up to now ng BDO online enrollment while abroad. Kung meron option na “Outside the Philippines”, ibig sabihin, puede pa rin. Fill up all the fields, then Submit and then wait for a call from BDO within 5 days. Dapat always ready yong phone mo to receive a call. Remember all the details you entered in your enrollment kasi tatanungin ng officer.

  11. hi po nora…ask ko lang po if paano malaman ang kabayan account ko while im here in abroad,,and is there any way to know po my balance on my kabayan account true online??

  12. Hi po. Ask ko lng po sana kc nag deposit ung kasama ko sa kabayan account ko sa pinas. Pwde ko po ba un ma withdraw sa atm machine d2 sa taiwan? Mag auto convert na po ba un as NT? Thanks.

  13. Hi Ms.Nora about po don sa tinanong ko po sa inyo na ndi ako makapagload ng transport card ko dito sa Dubai tpos declined sya.Yes po EMV atm card na po gmit ko.One more thing bakit hindi rin poh ako makapag withdraw w/ my bdo atm.Ano poh possible ko na gawin.Balance lng poh ang lumalabas.

  14. how much is the maximum withdrawal allowed in my BDO KABAYAN over the atm machine?

  15. Hi po. First time ko pong magwithdraw sa kabayan savings card ng kapatid ko. Since nakita ko pwede siyang iwithdraw sa atms na may bancnet logo, edi nagtry ako. Pero nung pinalagay na yung pin, Mali daw yung pin at less than 6 digits daw yung dapat na pin. After 3 attempts, ineject yung atm card. Ano po kaya naging problema?

  16. hi po, may nagapadala po saken from japan , nung october 5 sa kabayan savings ko, ilang araw po bago ito dumating sa kabayan savings ko? thank u po

  17. hi mam dtu po ako sa hong kong gustu ko po sna magwidraw sa aking savings acct.tnung ko lng sna kng hkd ang mawiwidraw ko at kng pnu ang convert nito into peso

  18. Hi Rowena, ang atm card mo ba ay yong new atm card na? Yong merong small brown/gold chip sa front ng card, below “BDO”? Kung hindi pa, merong instructions dito on how to authorize your family to claim your new EMV card.

  19. hi ms nora, and2 ako sa saudi iniwan ko sa pamilya ko ang atm ko n bdo kabayan savings account, at kahapon nagpadala ako nang iwiwithraw n ng kapatid ko, ito ang lumalabas, your selected transaksyon are not allowed,ano b dapat Nila gawin para makuha nila padala ko,

  20. hi ms nora, nagpadala ako ng pera sa pinas kahapon papunta sa bdo kabayan atm ko, n iniwan ko sa pamilya ko, ngayon po hindi po makapagwithraw kapatid ko,ganyan daw lumalabas your selected transaksyon are not allowed , yan daw po lumalabas sabi ng kapatid ko, ano po dpat nila gawin para makuha nila padala ko pera

  21. Hi Eliza, you can ask your sister to get your new atm card for you. Here at BDO page are the instructions for authorizing your sister. After getting the card, your sister can immediately try changing your PIN on your behalf and then making a balance inquiry after, or 24 hours later. Instruct your sister to change PIN at the bank’s branch, preferably inside, and not to use your atm card at machines in places that are not secure.

  22. Hi, I am in russia right now but i was in hong kong when the atm was revised and I have no way to get it kasi di pa ako nakauwi. BDO have no IAC for iternational calls para sa Russia. I also cannot call the local number you gave to Martin from Singapore for some reason. I tried to apply for online banking and keeps saying my kabayan account number is invalid. I have no way of checking my account and hearing about all the BDO scams makes me even more agitated. I ask my sister to go check the BDO branch in Baguio if she can get an authorization form or any way we can check that my account is safe and protected. I need an advice please and thank you.

  23. Hello po Ma’am Nora,Maam nagtry po ako magwithdraw last 2 weeks dito po sa saudi gamit ang bdo kabayan savings account ko po, nakapagwithdraw po ako ng exceeded po sa 10k pesos in Philippines amount po, after 2 weeks of the same month tinry ko po ulet magwithdraw at exceeded limit nadaw po ako? May limit amount po ba per month to withdraw money ma’am here abroad?

  24. Hindi na po ba kailangan pumunta sa banko para ipa activate yung atm??? Para magamit SA abroad??? Automatic na po ba ng emv chip na yung atm na gamit ko pwede pa po gamitin sa abroad???

  25. Hi Edna, tama ka na hindi na valid ang mga old atm cards. Meron dito instructions ng BDO para makuha ng asawa mo ang atm card mo: BDO Kabayan EMV atm cards for OFWs. After niya makuha ang card, siya na rin ang mag-change ng PIN, then try balance inquiry. Pag ayaw pa, try again after 24 hours.

  26. Good pm.maam.yong atm ko po kabayan savings po to.dito aq sa riyadh.ngtry po aq mag withdraw kahapon bakit invalid po nkalagay…nachange password q na po sa pinas.pwede q po ba itransfer sa account ng asawa q sa pinas ang savings q over d counter ng bank dito?tsaka incase mwala dito ang atm.pwede ba ang asawa q ang mgpunta sa banko sa pinas para magpablock ng atm?or magpa issue ng atm ulit.tsaka yong atm q po pala naissue 2016 pa..baka ito rin dhilan kaya hindi ta nggap ng atm machine dito.wait po aq sa reply nyo.salamat po.

  27. Hi Lenie, sorry hindi mo na talaga magagamit yan, kasi deactivated na lahat ang old atm cards. Merong instructions dito for OFWs na currently nasa abroad: How to claim the new EMV card for BDO Kabayan account owners

  28. Hi ms nora. Meron akong concern about kabayan savings kasi yung atm card ko hindi pa sya napalitan ng emv card since now ko lng din nalaman na kailangan pala palitan .so gnamit ko tong luma na card Nag withdraw ako nung august 2,2018 200 dinar kasi dto po aq sa kuwait dahil kailalangan ko ng pera after 24 hours try ko ulit mg withdraw pero ayaw na po nkalagay withdrawal amount exceeded so na try ko po small amount ganun po need ko po ng advice sa toll free number di rin po matawagan pls advice naman po kung anu pwede gawin kung ilang araw po aq pwede mka withdraw ulit thanks

  29. Hi Beverly, ang gamit mo pa rin ay yong old atm card? Hindi na valid ang old. Ito basahin mo itong BDO instructions for OFWs with old Kabayan atm cards.

  30. hi miss nora ask ko lng po old kabayan saving atm card pa po gamit ko nung june 22..pero ngayun po mag wiwidraw sana ko invalid na po lumalabas sa atm machine..anu po dapat gawin..

  31. Hello! Ask Ko Lang po. First time Ko po nag withdraw dito sa UAE gamit ang ATM Ko. After Ko mag withdraw a few days nag balik po ako to withdraw again but I didn’t make it kasi sabi ( naabot Ko ang maximum allowable na withdrawals even mag send ako ng money gamit Debit card Ko not authorized na daw. Miron ba limit mag withdraw or mag transfer ng money gamit ATM Ko? Kasi before i made 2 times a week mag transfer ng money gamit ang balik bayan saying card Ko.

  32. na activate ko na ang Kabayan Savings account debit card at na change PIN na din, pero nung magwwithdraw ang sabi need ko pumunta sa bank. Nag open ako sa Dubai ng BDO Kabayan at first time ko lang iactivate sa pinas. ganito din po ba nangyare sainyo nung first time iactivate at PIN change? salamat sa sasagot.

  33. Hi Jesamin, sorry hindi ko ma-pinpoint kung ano ang reason. Yong new atm card with EMV chip na ba ang hawak mo? Kung old atm card pa, invalid na ang atm card mo. Info on EMV cards for OFWs abroad. Kung EMV card na, maaaring hindi maganda ang payment network connection at the time you used it.

  34. Hi Ms.Nora.Ask ko lng poh kng bkit declined nong magloload ako ng transport card dto s UAE?My laman nman poh xa.

  35. Pano po b kmi makakatransfer ng big amount from our account to another persons account?my online banking po ako pero yung ttransferan ko po n account ay Hindi po enrolled ,ano po b pwedeng gawin and ito po kami Qatar,pd po b makahingi number ng customer service para makahingi po ng assistance just incase.Thank you so much in advance for your help.

  36. Hi Jerelyn, I hope nakawidro ka na over the counter (Meron bang 100-peso charge dahil atm-only ang iyong account?) and I hope nakuha mo na rin yong new EMV card mo. Sorry for the delayed response.

  37. Hi maam nora,ask ko lng po kung pwede po ako mka withdraw over the counter kc po ung kabayan atm card ko ay di p npplitan ng EVM card,kasi knina ko lng po nlman dhil mg withdraw sna ako kaso sbi invalid card need to get EVM card po.

  38. Hi Jm, thanks a lot for your advice! It’s very helpful for those overseas, specially those in UAE.

  39. To everyone!!! Advise lang po sa widrawal ng BDO kabayan account make sure you divide 10k pesos to your current money currency and maximum a day is 25k pesos but every transaction ay my payment like balance inquiry and widrawal here in uae nag wiwidraw ako sa ADCB ang transaction fee ko eh 188 pesos pero mas maganda na gawin nyo eh mag online application kyo mag register kyo sa bdo website para madali ang pag check sa balance nyo at free pa makikita nyo pa ang bank statement and history nyo or else ilapit nyo yan sa bdo office sa pinas pag nagbakasyun kyo para ma assist kyo ng tama. Ang BDO kabayan account kailangan mahulugan at least once a year para di ma convert to regular account with maintaining balance of 10k….hope it will help someone GOD BLESS US all…

  40. Hi,
    Ask ko lang…nagbooking ako ng TICKET using my debit card today pero nagdeclined may laman pa naman ATM ko. Mastercard BDO KABAYAN SAVING po atm ko.

  41. Hi Elle, ano yong description sa receipt? Withdrawal amount? Dapat tawagan mo agad ang BDO: 00-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000. Pero dapat hindi ka makawidro ng 16k ng minsanan lang, kasi 10k pesos ang maximum amount per atm withdrawal. Yong 16k na nag-apir sa receipt mo ay in Taiwanese money dapat. So call BDO asap.

  42. Hi po mrs nora…i just withdraw here in taiwan.wala pong lumabas na money pero sa receipt mo may nakalagay na 16k.

  43. Hi Rosabelle, have you claimed your new EMV card? If not yet, claim it when you get back here. Old cards have been deactivated. All banks have changed atm cards to ones with the EMV chip. If yours is already with EMV and you have activated it here in the Phils, did you see “not valid” or “failed to connect” or similar words on the screen? I hope you waited a while to check that there was no money released. You can call BDO International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000


    hi! i went to mall today to buy mobile phone but it says transaction failed, my atm card is BDO and it has a logo of mastercard, maestro ,cirrus and i tried also to withdraw then it ask my pin so i want to withdraw Qatar riyal 500 but nothing has come out no receipt also so what do you think please help thanks a lot

  45. Hi Martin, International Access Code-800-8-6318000. Kung Singtel ang network mo, 001 ang access code. Free toll fee kung landline ang gamit mo. Kung cell phone, at magbabayad ka na rin lang, diretso ka na lang sa 00-632 631 8000 or +632 631 8000. I hope ma-detect agad ng BDO na from overseas ang tumatawag, kasi if I call BDO from here in Phils, wala na yong option na “for customers abroad”. If they don’t have indication you’re calling from abroad, tell them immediately you’re calling from abroad.

  46. gud pm po mam anu po bdo costumer service gusto ko po kasi tumawag kasi hanggang ngaun hindi pa rin ako makapag withdraw ng pera kahit na availlable nmn ung pera at bago nman ang atm card q ung may emv chip na,d2 po ako sa singapore,

  47. Hi monica, sorry hindi na through account kasi inactive account na. Pero sabihan mo yong sender mo at pumunta uli sa kung saan siya nag-send at gawin niyang For Cash Pickup para makuha mo yong padala over the counter
    To your other question: Meron bang laman itong account mo na equal to the maintaining balance requirement? Kung maintained ang account mo at ang dahilan lang ng pagiging invalid ay dahil sa hindi mo pa nakuha yong new EMV atm card, go to your branch with your IDs and get your new EMV atm card. Required na kasi na EMV na ang mga atm cards ngayon.

  48. makukuha ko pba ung pera na sinent sa akin khit invalid na ung bank account ko

  49. Hi Ms.Nora nagtry akong magwithdraw pero invalid ung lumalabas posible bang nasira na ito since matagal na hindi ngagamit almost 1 year and a half months na

  50. Ask kolang po, pwede po ba na mapalitan ang non emv kabayan savings atm card ko sa pampanga while sa manila kopo to nakuwa?thanks

  51. hi nora, i try widraw yesterday , nabasa ko sa screen na try to contact ur bank, anu ibig sabihin nito? tnx

  52. yes po miss nora invalid po lumalabas, nag try lng aku mag widraw ng 200, na cgange pin ko rin po xa sa pinas. peru atm ko walang debit nka lagay peru myrun. master card

  53. Hi gerlie, anong nababasa mo sa screen? Cannot connect or invalid card or contact your bank? Na-change PIN mo ba sa Phils ang card mo? Amount in Qatari riyal ang ini-enter mo? Ang maximum amount per withdrawal is 10k pesos, around 750 Qatari riyals.

  54. hi miss nora , nag try aku mag widraw ng atm ko d2 sa Qatar, di ako maka pag widraw mag bago namn ung atm ko my master card xa,

  55. Hi Sarrah, kung walang remittance from abroad within 12 months, automatically kino-convert into a regular passbook account. Kapag regular passbook account na, required na na mag-maintain ng 10k pesos sa account. Pag 300 pesos or less ang account balance, mako-close na agad two months after na-convert, kasi magiging zero na after ma-charge ng 300-peso penalty for being below-maintaining balance. Kung meron pang laman, tuluy-tuloy ang pag-charge ng 300-peso penalty month after month hanggang maubos ang laman kung hindi ma-maintain yong 10k na requirement.

  56. Hi Kimberly, opinion ko lang ito ha at ikaw pa rin ang final decision maker. Hindi dapat magpirma ng signature ng iba, pero kung pinapayagan ka ng mother mo na pirmahan ang atm card niya, palagay ko puede mong pirmahan, kasi ibinigay naman ng BDO sa iyo yong atm card dahil meron kang authorization. Pero practice and try your best na magaya yong signature ng mother mo.

  57. hello po ms.Nora tanung ko LNG po about sa atm kabayan savings account .sa mother ko po kc un nsa HK po xa.ako po kc ung inauthorized nya pra I claim ung bagong ATM nya .nkuha ko nman na po then sabi nya dun nlng xa maghuhulug ng pera kso problema po kelangan pirmahan yng ATM sa likod pra machanged pin ko po ,possible po bang peding ako ang magsigned sa likod ng ATm ? salamat po.

  58. Hi po ms.nora, ,tanong ko lang pp,halimbawa hindi po mahulogan ng remitance galing abroad ang kabayan atm q sa isang taon,mah deactivate po ba yan or ano po ang mangyayari?

  59. Hi martin, sorry, hindi ko sure kung ano ang problem ng account mo. 10k pesos ang maximum per atm withdrawal, so try mo S$ 240 per withdrawal. Kung merong option diyan na type of account, press mo yong Savings. Kung walang Savings at merong Debit, press mo Debit.

  60. hello bakit hindi nyo po masagot tanong ko?bakit po ganun pag nagbalance po ako sa ledger balance walang laman.pero may availlable nmn sya na pera bale $$ 625, pero hindi ko sya mawithdraw lumalabas exceeding,dito po ako s singapore,anu pong problema?

  61. Hi Mau, ang maximum per withdrawal ay 10k pesos at ang maximum per day ay 25k pesos. Mag-balance inquiry ka muna kung magkano ang laman.

  62. hi,ask ko po mam bakit hindi na ako makapag withdraw dito sa singapore gamit ang atm ko last withdraw ko po march,tapos april & may hindi na na ako makapag withdraw bago nman po mam atm q ung may emv chip na po,bale pag nagbalance po ako gamit atm sa ledger balance 0 tapos sa availlable balance meron naman laman pero nd ko sya mawithdraw ,anu po kaya problema mam bakit hindi na ako makapag withdraw?

  63. Hi need badly help nagamit ko po bdo emv ate ko sa SG nakak withdraw ako doon ,may natira pa ako 25 k kaso pagbalik pinas na ako magka withdraw naglalabas ng reciept na exceedeing limit daw woth draw paano un lwa namam na withdraw sa pinas 25k pa p la,an

  64. Hi kristina, 10k pesos per transaction ang maximum per withdrawal. That would be around 760 in Q riyal. Withdrawal fee is 3.5 US dollars. Maximum per day is 25k pesos. Baka meron ding maximum limit ang atms diyan sa Qatar, so i-adjust mo na lang.

  65. hi. im here in Qatar. I just wanna ask how much is the the limit for withdrawal per transaction using my BDO Kabayan account ATM? thanks. ?

  66. Hi Kate, dapat sa BDO machine sa Philippines ina-activate ang atm card. So sa next vacation mo na lang. Or try mo sa BDO atm diyan sa Hong Kong kung ma-recognize ang card mo. Sasabihin naman na invalid card or cannot read card kapag hindi. Or magtanong sa teller. Anyway, active naman yong account mo, so puede ka pa ring magpadala ng pera sa account mo kahit hindi activated ang card mo.

  67. Help po….nakalimutan ko. Kasing e activate ang kabayan atm card ko….andito na po ako sa Hong Kong….So ano po dapat gawin ko?

  68. Hi KC, yes, puede, kasi meron kang 16-digit card number, 3-digit code sa likod ng card mo, and expiry date. Make sure you are shopping only at reputable websites.

  69. Hello Good Day Po,

    Inquire ko lang pwede ko po ba gamitin ang kabayan savings atm sa mga online shopping like ebay and paypal?

    meron po mastercard logo and ung bago na din ang gamit ko.


  70. Martin

    Bago na po ang hawak kong atm card yong may EMV chip na po ms. nors ,tanong ko po bakit hindi na po ako ako makapag withdraw d2 sa sg.gamit ang atm ko ,pag nag balance po ako sa current account balance.ko walang laman na pera tapos sa baba nya availlable balance meron nmn na laman na pera,pero hindi ko nmn po ma witdraw ang pera,last witdraw ko po march 18 tapos this april wala na?hihintayin ko po sagot,salamat’

  71. Hi Martin, ang atm card mo ba ay yong luma pa? Wala pang EMV chip? Blocked na ang mga BDO atm cards na walang EMV chip (yong small square na medyo gold on the front of the card). Matagal nang in-announce ng mga banks for better security. When you take your vacation, go to your BDO branch with your ID and old atm card and ask for your new atm card.

  72. Hi,ask ko lang po kung bakit hindi na ako makapag withdraw dito sa singapore gamit ang ang kabayan savings remitance ko,feb & march na kapag withdraw pa po ako tapos this april hindi na pero may availlable balance naman sya?

  73. Hi Joseph, yes, basta merong Visa or Mastercard yong atm card mo. Use the 16-digit card number, expiry date and 3-digit code at the back of the card. Kung walang option na debit card, click credit card.

  74. Pwede ko po bang magamit ung kabayan savings atm card sa online shopping like ebay

  75. hi po ask ko lng po sana if unsuccesful yung transaction kc hindi gumagama ung mastercard-BDO charge parin po? thank you po

  76. Hi Alex, antayin mo lang na approved na yong online banking mo, then you can transfer money online. Icheck mo rin if your phone is able to receive OTP texts. Pag ok na ang online banking mo, download the BDO mobile banking app using your smartphone from Google Play or App Store, then pag na-register na yong mobile device mo, hindi na kelangan ang OTP sa mobile banking.

  77. Ahh ok mam tnx…pero magagamit pa din ba ang account ko transfer money to other account.8 days na kc mula nong tumawag ang bdo sakin until now nkapending prin ang enrollment ko sa online banking.

  78. Hi Alex, yes, ang i-enter mo na amount sa ATM ay yong dirham amount na. Should not be higher than the equivalent of 10k pesos, kasi 10k yong biggest withdrawal amount sa BDO atm dito. Check mo rin baka meron ding maximum withdrawal limit yang ATM diyan sa Dubai.

  79. hi po mam ngtry po ako ngayon mgwithdraw dito sa dubai gamit ang bdo kabayan card ko wrong pin daw eh nong ng ngtype ako ng pin b4 ang amount ok sya accept ang pin nong ngwithdraw na ako mali na.Automatic ba po ngcoconvert yung peso into dirham?

  80. Hi eureka, if your BDO atm card has a Visa or Mastercard logo, you can try using it as a credit card. Many online merchants now accept debit cards as if they’re credit cards. Know though that some debit and prepaid cards cannot be used. Use the address you wrote when you opened your BDO account.

  81. pwede ba magamit ang bdo kabayan savings sa pagbook ng flight sa cebu pacific?

  82. Need advice pls… i opened a kabayan dollar account by dec 2017…while doing so i verified if i can use it abroad and the lady bank personnel confirmed I can. I verified if i can use it to pay online purchases and the she replied positively. I tried for a couple of times to do online purchases but my kabayan dollar savings account is rejected due to “authorization hold”. What should i do that i can conveniently use it without the mentioned hussles?

  83. Hi Sheenly, ang maximum per day is 25,000 pesos, so i-compute mo na lang in S$. Ang pagwidro ay up to 5 times lang a day. Ang limit is per day, hindi per month.

  84. Hello Mam ask ko Lang if how much Ang limit pag nag withraw ka using BDO MasterCard dito sa Singapore?At saka Ang limit ba Mam is good for 1month?Thanks po

  85. Hi Marie, sabi mo naman nagpapadala ka ng remittance to your Kabayan from Kuwait, so hindi mako-close ang Kabayan mo. At least one foreign remittance every 12 months lang naman ang requirement nila. Yes, makakawidro ka over the counter using your passbook pag-uwi mo. Ang pinapapalitan lang nila is the ATM card, kasi gusto na nila yong merong chip sa card for extra security. About the March deadline, wala pa naman akong nakitang announcement ang BDO for Kabayan. Yong others, ang deadline was Jan 31. Sabi ng BDO, wait for further announcement yong mga Kabayan. Make sure mo na lang na yong email address and phone mo sa BDO online mo (Profile Management) ay updated para makarating sa yo ang message ng BDO about your EMV card. Pag halimbawa madeactivate na ang card mo, you can still use your online banking, except yong shopping online kasi hindi na valid yong 16 digits, expiry date at code ng card mo by that time.

  86. Hello po. Ngauon ko lang po nalaman yung tungkol sa new emv card. I have my non-emv kabayan savings card with me at hindi ko sya mapapalitan since im in kuwait, baka later this year pa ako makakauwi. I often send money online. Sabi daw po hanggang March nalang working yung card. Kung di mapapalitan card, hindi ba mako close ang account? Or hindi na ba ako makaka transact online? Hindi ba mawawala pera ko? Or pag uwi ko, pwde ko ba withdraw gamit ang passbook? Maki claim konpa ba yung new card kahit late na? Sana po masagot nyo.

  87. Hi ichay, dati ba nakawidro at naka-balance inquiry ka diyan sa Saudi? If yes, baka temporary lang o nataon lang. Try again another day. Kung di mo pa nagamit dati, na-change PIN mo ba ang ATM card mo sa Philippines? Pag hindi, hindi pa activated ang card mo. Dapat ding merong Visa o Mastercard logo ang card.

  88. ask ko lng po mrs nora..bakit d ako makacheck balance at widraw sa bdo account ko andito ako saudi ngayun..,need help…worry lanng ako?

  89. Hi Ismael, thank you very much for the reminder. I have updated and added more info. The charges are still the same though. I even added an image. Thanks again for visiting my blog.

  90. This infomation was posted last 2010 is there any changes because it is 2018

  91. Hi Theresa, kung merong Mastercard o Visa logo yong atm mo, kelangang tawagan mo ang BDO asap para ma-hold nila ang account mo, kasi puedeng gamiting ng marunong to buy online. Pero kung walang Mastercard o Visa logo, mahirapan naman na i-guess yong PIN mo halimbawa gusto nila magwidro. BDO toll-free, use landline kung meron: 800-863-0011

  92. Hi this is theresa mendoza. Nawawala po un BDo Atm savings ko dito sa dubai. Paano ko po yon maipapablock while im here po abroad. Salamat po.

  93. Hi Marilou, kung nagamit mo na yong atm card mo dati dito sa Philippines, at merong Mastercard or Visa logo ang card mo, puede kang magbalance inquiry sa atm diyan na merong Mastercard/Maestro/Cirrus or Visa logo. 1 US dollar per inquiry ang charge. Puede ka ring mag-enroll sa BDO online banking. Piliin mo lang yong enrollment for those outside the Philippines. Yes, kung anong name ang nasa atm card mo ngayon, yan ang gamitin mo for enrollment. Then wait for a call from BDO within 3 to 5 days. Dapat laging ON yong phone mo. God bless din.

  94. Hello pO,good day.ask kO lng pO?gustO ko pong i balance inquire kong ilan na ang laman ng BDO atm ko.pero dito pO ako sa UAE di ko alam pO kong saan ang BDO branch dito.nag search po ako sa google,nakita ko na pwde dw pO sa Online Banking.pag mg register po ba sa online banking ay new name ko pO or yong niregister ko nong nag fill up po ako ng account ko sa BDO..?thank U pO & have a good day.GOD BLESS ALL

  95. Hi May, sorry pero ang activation kasi ay sa BDO atm lang, at dito lang sa Philippines ang mga BDO atms. Sa vacation mo lang talaga ma-activate. Mag-remit ka na lang sa BDO remittance partner para macheck mo ang status ng remittance mo here: BDO Remit Status Inquiry

  96. Hi, good day! Ask ko po lang sana. First time ko kasi magopen ng BDO kabayan savings card. Then balita ko po need pa daw ito iactivate sa pinas bago po daw sya magamit maski dito sa UAE. Pano po yun pag need sya gamitin pero no time to go to philippines to activate it?

  97. Hi Jemelyn, na-close ba ang account? or nag-expire ang atm card? Visit your branch with your IDs and approach the officers sa lower desks.

  98. Hello sir,
    Paano irenew ang account ko

  99. Hi Joseph, sorry, hindi mo ma-check diyan kasi local lang ang Megalink network. Magrequest ka na lang ng merong Mastercard na atm when you take your next vacation. Usually after 7 days mo makukuha. Puede mong gamitin muna itong BDO Remit Status Inquiry.

  100. Mrs Nora, ask ko lang even without mastercard logo kabayan atm ko i can check here in qatar, coz only megalink logo lang nakita ko sa atm

  101. Thanks for the help mrs nora

  102. Hi Joseph, find atm machines na merong logo ng Mastercard, Maestro or Cirrus. Maximum per withdrawal ay yong Qatari riyal equivalent ng 10k pesos. Maximum per day is 25k in pesos. Withdrawal fee is 3.50 US dollars. Inquiry fee is 1 US dollar.

  103. Hello, Ask lang po kung saan ako pwede mag check at magwithdraw dito sa qatar

  104. Hi Mary Grace, yes, nagamit mo na sa Philippines, so puede mo nang gamitin diyan sa Taiwan. Look for a machine with Mastercard or Maestro or Cirrus logo. 3.50 US dollars ang withdrawal charge.

  105. Hi Lanichael, yes, maximum per day is the equivalent of 25,000 pesos at dapat di rin lalagpas ng 5 withdrawals per day. Kung 1 QAR = 12 pesos diyan, up to 2,083 QAR lang ang mawidro mo per day.

  106. Hello mam’ask ko lang po kung may limit ba mag withdraw ng pera dto sa middle east bdo kabayan po..makakapag withdraw ba ako 2,500 QAR?

  107. Hello mam pwede ko ba ma withraw pera ko dito sa taiwan using my kabayan atm card my logo master card sya saka active na po to since 2013, nagamit ko na rin sa pinas withdrawal through atm machine, posiblr po ba dn magamit dit sa taiwan, please po reply. Maraming salamat

  108. Hi Renesar, yes, puedeng mag-balance inquiry via atm diyan kung na-change PIN mo ang atm card mo dito sa Philippines sa BDO atm machine. Kung hindi mo na-change PIN dito sa Philippines, sorry hindi gagana ang atm card mo diyan dahil hindi pa activated. Ang remedy mo na lang is to call BDO and ask about your balance: 1-800-8-631-8000. Keep your atm card secure para hindi makita ng ibang tao yang card number mo, expiry date and 3-digit security code. Puede kasing gamitin yan ng ibang tao for internet payments kung alam nila ang name mo, at yang 3 card info na yan.

  109. Thanks a lot, Charles, for replying to Eva. 🙂

  110. hi eva,

    Tingnan mo inbox mo sa online bangking. Nag msg po ang BDO as of Jan 11, 2018 mag maintenace activity cla kaya hindi available ang system nila.

  111. Pwede po ba ako mg balnce inquiry mam nora dito sa qatar ung bdo atm k po ay debit at my logo sya n master card kc po nakkatkot n po nabablitaan k sa sa bdo nwwala ung pera kht d pa nakukuha ng may ari…d rin kasi ako nkapg e_banking ngtry ako dito kaso reject ng bdo eh my mali ata ako info n naibigay kya need k i check lamn ng atm ko..salamat po mam nora sa sagot.

  112. hi Maam Nora like 4times na ako naghulog s bdo kabayan ko Peru with no widraw q nman diyo sa Qatar then sep 18 last nagpada sa akin young bf q sa bdo kabayan q kinuha q nman lahat..tapos January 4,2018 naghulog AQ ng ,14k Philippine money sa bank kabayan q Then Nagcheck AQ kanina not available daw.plsss po answer me nag worry AQ..sayang nmn din kasi..ila g beses na kc AQ nagbwidrw dito tapos may receipt nman AQ na na send ko na ngbpera sa account q plsss help me and message me to my Facebook Eva adobas EPIZ.

  113. Hi ysabel, sorry hindi mo pa magagamit sa Malaysia ang BDO card mo kasi hindi pa na-activate dito sa Philippines ang card mo. Sa BDO machine lang sa Pilipinas puede ka mag-change PIN para ma-activate. Before changing your PIN, punta ka muna sa BDO branch at tanungin mo kung na-link na ba sa account mo yong atm card mo. Tell them you opened it in Malaysia

  114. tanong ko lang sana regarding kabayan saving po,dito ako ngopen sa malaysia hindi pa po ako nkakauwi mkkpagwithdraw po ba ako using my kabayan savings card kahit since po ng iniopen ko dito s malaysia hindi pa naisaksak sa any ATM machine,activated na po kaya un kabayan savings card ko?

  115. Hi poh.magwithdraw poh sana ako gmit ang atm bdo kabayan savings.Ndi ako nkpgwithdraw at ndi rin lumbas atm ko.Nasa loob p rin ng atm machine ng Emirates NBD.Please need your help.

  116. Hi po!, yung eksaktong BDO Kabayan Savings, ung yellow card po? is same lang sa BDO Kabayan ATM Debit Card na nabanggit nyo? & pwedeng mag widraw outside the Philippines po?pls reply po, Thank You.

  117. What if i lose my debit card.How can i get a replacement one ? Can i get it at any BDO branch there in the Philippines ?I reside here in the US.

  118. How I change my pin BDO in Philippines but I’m here jeddah now

  119. for balance inquiry of bdo kabayan here in UAE, will be Dirham or peso? how much is the daily limit for withdrawal?

  120. Hi po. Im here at taiwan. Kung mag balance inquire po ba ko sa atm machine sa 7/11. It will be converted into taiwan dollar? O ung mismong amount ng laman ng card. Thanksz hope u reply….

  121. Hilda q. San andres

    Hello po, ask qlng po qng saan po aq pwede mg check ng aking account n kabayan bdo d2 s malaysia,gusto q po kc mlaman qng ung mga renittance q n pnpdla e npsok s account q s pinas.. Slmat po..

  122. Good day maam.try ko po yung BDO kabayan ko sa indonesia dipo ako maka withdraw pero dati nagagamit nman ng asawa ko nakaka pag withdraw sya ng pera.bakit ngayon ayaw na.mastercard naman na logo.

  123. Gud day po mam nora iask ko lng po kabayan savings acount ko, nun mg inquire ako ng blance nklgay dun kung print reciept pero wla nman nlabas ndi lbas ang blance, pero my master card nman logo un card ko at atm machine, dto po ako sa italy 1st time ko lng mg attempt n mgwidraw pero ndi nman gumana. Thanks po

  124. Gud day po iask ko lng po un about s kbaya. Savings ko, dto ako sa italy nun magwdraw ako nlgay ko amount tas nun confirm ko n, nklagay ndi dw pwd sknila, pero my mastercard nman n logo toh atm ko. Thanks

  125. Hi po ms nora nandto pi ako sa moscow russia.ang problema ko po about sa kabayan savings ko ay hindi ako makapagwidraw lately dahil ang lumalabas ay you have reached your credit limit kshit may laman pa ang atm ko sa dollar acct.dati nmn nkkpag widraw ako ng maayus last week lng ayw n pero my pera pa po ako sa atm ko.anu pi ang problema pag ganun maam.

  126. Nagagamit padin po ba abroad ang kabayan atm card pang shopping khit 100 lng balance nito?

  127. mam my kabayan savings aku bdo..before nagagamit ko pmbyad online ngayon hindi balance nmn aku..need help send me messge as soon as possible

  128. Mam Nora may tanong lang ako nag try ako mag widraw ng pera nakaraang araw nd nako maka widraw dto ako sa uae ngyon 2500 drms ang widraw ko kaso ni reject ng machine at nkalagay sory inconviniece amount widrawal exceed hangang ngyon hindi ako maka widraw first time nangyari sa akin dati nkaka widraw ako ng 3500 dhms ngyon hindi na ako maka encash ano po ba ang dahilan bakit gnun? Ang nalabas sa machine meron na po ba bago amount lng na widraw sa isang araw atm ko po ay salary then dollars account. Siya pa adviced mam kung ano po mganda gawin ko para bumlik sa dati atm ko po kasi wala chips almost 2 yrs ndin po ako d nkaka uwi nd ko n na update.

  129. Hi, pwede ba mg remit sa kabayan savings account ng check in dollar? Pwede ba cya magamit kung foreigner ang mg dedeposit?

  130. hi po. na try ko ung bdo kabayan savings ko dito sa taiwan di naman ma read ung atm ko.may cirus at master card nman ung atm machine. . neeed ko p nman ng cash.

  131. hi po ask ko lang ano gagawin po na blocked po kasi ang atm card ko dito sa dubai kasi wrong pin daw nalagay ko pero sure ako tama yon ano po gagawin ko para ma unblock ko siya

  132. Hi po..asko ko lng kpag dto po aq sa oman ng open nh kabayan savings account pwede ko po b sya i change pin dto?at hndi po ba xa maactivate kpg hndi ko pa po sya nachachange pin?thank u po..

  133. Hello Po , Pede Ko pO ba Icheck ang Balance ng KABAYAN SAVINGS Account ko dito sa taiwan ? May atm po ako na may master Card logo . At na pachange pin ko na toh nung nasa pinas po ako .




  135. Good day! Tanong ko lng po halimbawa nag remit ako dito sa UAE REMITTANCE CENTER sa acct ko sa BDO KABAYAN SAVINGS at nataon n holiday dyan pinas or sunday dyan pinas di b marereceive ng beneficiary ung padalo on d same date? Kasi po minsan nag remit ako sabi sakin kinabukasan n papasok sa acct ung pnadala kc holiday daw sa pinas. Tanong lng po kc minsan nataon n need n ng receiver ung money kc meron emergency eh kinabukasan p pala mkukuha..

  136. Rodrigo Pasibe Estoque


  137. Hello maam. .may bdo kbayan a acnt po ako pwd ko pb ito ipa swipe pag nagshopng here in kuwait. .then pwd b mka wthdraw ang aking husband anytme dun sa pnay gamit ung acnt ko. Nasa knya po un pasbok ko. Salamat po

  138. Hi! Good day Ma’am, I am currently in Saudi arabia. I haven’t tries withdrawing money from my ATM card because I forgot the PIN. How would I retrieve my forgotten password? I really need your response ma’am. Thank you!

  139. Hi Nora, I’m using my BDO debit card for swiping in any store here in Kuwait, ask ko lang po magkan po ang swiping fee per transaction?

  140. Good day po.san po ba ako banda dito sa qatar pwede mkapagdeposit gmit tong bdo mstercard ko po?i mean yung exact place po.

  141. Maam nora owede ko pa po bang gamitin yung BDO kabayan account ko.almost 12months ko na pong di nahuhulugan. From saudi arabia po. Salamat po

  142. hi ms.@nora ask ko po sana if may charge po ba pag kabayan savings card ginamit ko sa supermarket?i mean un ung i swipe?
    if meron magkano po?

  143. Hi Ms. Nora, gusto ko sanang gamitin ang bdo savings card dito s Dubai..ask ko po if may service charge ang pagwithdraw dito s dubai and then service charge ulit s bdo bank s pinas?as i heard it will be double service charge, just want to confirm.

  144. Hi maam nora 3 beses ako sinubukan mgwithdraw dto sa taiwan pero bakit wala nmn lumabas na perA,invalid yun nkalagay Sa machine pero may resibo po ako,di po b mabawasan pera ko sa bdo ko,tnx

  145. Ate marife,saan kapo atm machine nag wirdraw dto sa taiwan.ako kc sa 7 11 ayaw eh binabaluk nya yung card.

  146. Maam,bakit hindi po ako mkpag withdraw dto sa taiwan gamit ang kabayan savings account ko.anu po pwedi ko gawin?

  147. Mam Nora
    nag widraw po aq knina d2 sa taiwan pero 20k NT lng po na widraw ko then ung pangatlo kong try nag error na po xa,, my limit lng po ba ung pag widraw d2? thanks po

  148. Magkano po ba limit kapag mag withraw convert to new Zealand dollar? At mgkano po charge or transaction fee every withdrawal? Kahit po ba balance inquiry may charge din po ba? Pls sana po masagot niyo tanong ko need ko po kc mag withraw due to important matter. Thnx in advance.

  149. Hi! Maam nora ask ko lng po sana if bakit ganun? My bdo ofw savings account po ako my nakalagay na mastercard. Dito po ako ngaun new Zealand at ?ast month may nag balance inquiry po ako merong $6,968 new Zealand tapos june 4 nag send ng hipag ko ng 5,000 peso from honkong then kahapon po ng nagbalance n ako ulet naging 6,700 nlng bakit po ganun instead n nadagdagan nabawasan nman?

  150. Yun kabayan account ko po..di ko pa napa.activate sa pinas kaz dto ko cia sa taiwan…narecieve.. my period of time po ba pra ipa.activate sya sa pinas….? Pwede din po ba hulugan yon khit di pa activated sa pinas?

  151. Hi mis nora ask ko lng po kung wla ba nabawas sa pera ko sa bdo,3times ko sinubukan ngwithdraw dto sa taiwan pero invalid nmn,di po ba mabawasan pera ko

  152. Hi po pwede mag pay online sa bdo card ko

  153. Hello po,nagtry po akong magdebit for the first time dito aa doha qatar kaso the cahier says wrong pin number? But I never change my pin number. Pano po nangyare yun? At ano po gagawin ko?

  154. Helo ask lang po, dalawang BDO ATM ko po incorrect password dito sa HK, kabayan ko tsaka debit. Both ay master card po. Eh hindi po ako ngkamali sa password eh. Talaga bang Hindi to pedi dito sa pinas lng ho ba? Salamat


  156. Hi Irene, for BDO, ang daily maximum atm withdrawal limit is 50k pesos. Per withdrawal is 10k pesos. and up to 5 withdrawals per day only. Mag-convert ka na lang to USD. Meron din sigurong limits sa machine diyan, so that will be considered too.

  157. Ilan po ang limit pag magwidraw sa usa galing sa kabayan account?

  158. Hi Maricel, merong Mastercard logo ang atm card mo?

  159. Pashare nman sa may alam.kabayan savings yong atm ko naetry ko po inquire dito sa riyadh sa atm machine na may tatak mastercard eh di nman ako makainquire o makawithdraw.kasi gusto kong mgwithdraw anong bank ba dapat?naactivate ko nman to sa pinas.

  160. Hi daisy, sorry, sa BDO machine lang sa Philippines puedeng mag-change PIN at mag-activate.

  161. hi po nasa qatar po ako ngayon..meron po akong kabayan savings account..kaso po nung umuwi ako ng pinas di ko naactivate ung atm ko..needed ko lang po sana magwithdraw trough ATM..posiible po ba maactivate un while nan dito ako sa qatar?

  162. , pano vah e close yong bdo ATM card pin number!

  163. , good day po… Ask ko lang kung pwede bang mama ko mag withdraw nng pera ko sa pinas ano po bang mga requirements pls. Reply po thanks

  164. Hi evans, yes, puedeng magwidro diyan. 3.50 US dollars ang charge per atm withdrawal. One USD kapag balance inquiry.

  165. and maam nora my idea po ba kayo how much ang charge pg dito po ako ng widraw slamat po

  166. hi maam nora OFW ako here abroad (Taiwan)and i have kabayan Bdo atm Card. Can i withraw money any ATM machine here? that have MasterCard Logo on Machine? thank you

  167. Hi Gerome, meron bang Mastercard logo ang atm card mo? Na-change PIN mo ba yan noon dito sa Philippines? If yes, find a machine na merong Cirrus, o Maestro o Mastercard logo at mag-balance inquiry ka. 1 USD per atm inquiry ang charge.

  168. Hi guys. Pa help Naman diyan SA mga experience na. Pano po ba mg balance inquiry SA kabayan saving bank dito SA Saudi. Anong Bank po dapat and pwede Kong puntahan. Dito po ako hofuf ksa

  169. Hi ana, Mastercard-linked ang debit card mo? Try mo na lang, kasi depende sa airline payment system. Kapag walang debit card sa payment option, choose “credit card”. Sa ibang booking systems kasi ay natatanggap naman, pero meron talagang booking systems na strictly credit card lang yong tatanggapin ng system nila.

  170. pwede po bang gamitin ang atm debiot card sa japan sa pagkuha po nang plane ticket?salamat po..

  171. Good day po tatanong ko lng po kung ang pgwithdraw dto sa UAE gmit bdo my charge po ba at mgkno po? Maraming salamat!

  172. Hi to all of you, ask ko Lang, meron po Ako BDO kabayan savings account ( MasterCard, cirrus logo meron)
    Pwede po Ba mag withdraw Ng pera dito Sa broad ?( Saudi area) at any bank po dito?
    Sa mga May alam po share naman kayu Dyan. Thank you. God bless you.

  173. ask ko lng po may nagpadala kasi skin hinulog nya sa atm number ko imbis na s account number ok lang po b un?

  174. Magbabayad po ako ng registration ng anak ko sa UK thru my bdo kabayan dollar savings debit card na may logo ng Master card, poyde po ba iyon?

  175. Itatanong ko lang po if pwede po ba ako mag balance inquire dito sa macau bdo kabayan po

  176. Bdo kabayan savings po yung account ko, hindi ko po ito pina activate sa pinas kc hindi pa man ako nakauwi pero pina register ko po ito sa online banking. Pwede po ba maka balance inquiry dito sa taiwan maam? Nghulog kc ako ng pera noong isang araw pero hindi ko alam kung napasok po kc na locked yung account ko tapos hindi ko ma activate kc yung mobile number na nka register is nawala. Pwede po ba balance inquiry nalang.tanxs po

  177. Hi Frances, did you mean mag-change ng atm PIN? Sorry hindi puede kasi wala namang BDO atm diyan sa Taiwan. Puede kang magwidro dian kung na-activate mo noon ang atm card mo sa BDO machine here in the Philippines. At saka dapat merong Mastercard or Visa logo yang atm card mo.

  178. Mrs nora pwede po ba akong mag balance inquiry dito ang change password dito sa taiwan, bdo kabayan po yong atm ko

  179. Hi Frances, sorry, yong balance inquiry through your atm card na lang talaga ang paraan mo, kasi ang paraan ng pag-change ng mobile phone no. ay through online banking or sa branch mo mismo. Dahil nga hindi ka makapasok sa online banking, sa branch mo na lang dito sa Philippines puede mong palitan ang phone no. mo when you take your vacation.

  180. Hindi po talaga ako maka log in sa account ko maam kc locked din yung account, hindi ko po ma unlock kc yung number na registered is wala na. I cant recieved the otp code. Pwede ko ba ma balance inquiry nlng dito? Im here in taiwan po. Ng deposit kc kami ng money last day hindi ko pa na inquire if pumasok. Gusto ko sana sa online banking nalng i check kc po sayang yung charge. Thank u po

  181. Hi Frances, after ka maka-login, meron ka bang nakikitang “Challenge Question?”. Kung meron, click mo ito, answer the question, at kung makapasok ka na, click “Profile Maintenance”, then “Customer Information”, “Update Customer Information”, check “Change Mobile Number”, type your new mobile number, then click “Submit”. Then call BDO to confirm your change of mobile number. International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000

  182. Hi Nora. Is there anyway to access my otp code? I lost my registered mobile number. Pls help me

  183. Hi po. Is there anyway to access my opt ? Kasi po I lost my register number. Pls help me po. I’m here in taiwan

  184. Hi Rey, in many travel forums online, they say that most European countries, including Netherlands, use the 4-digit-only PIN system. I think the banks there have already updated their atm machines to accept 6-digit PINs, but the shops have not yet updated their POS or swipe devices. So until the shops update their POS devices, you won’t be able to use your Kabayan ATM cards. In some ways, it could be advantageous, para mapilitan kayong hindi gumasto easily hehe 🙂

  185. hello nora.

    tanong lang. dito ako netherlands, working as a seaman. this year lang na implement na kabayan dollar account na ang salary namin. sabi sa pinas pwede na namin gamtin pang bayad abroad. ni try namin sa mga shops dito, wrong pin lagi sinasabi. pero kapag nag withdraw sa ATM dito nagagamit naman namin without issue sa PIN. may issue ba 4 digit to 6 digit pin? gmit kasi na pin dito sa netherlands 4 pin lang, bdo card namin is 6 pin. lahat kami dito hindi n pinoy hindi magamit pangbayad. hope you can help. salamat


  186. Hi po. Nandto ako sa qatar and im planning to open an account on BDO. Pwede ko po ba syang iactivate dto sa doha? or in case po pwede ko na ba syang hulugan kahit hnd pa activated and how will I know na pumapasok po yung pera na hinuhulog ko. Gusto ko po kasi mag open ng BDO account for my savings.

  187. Hi rayan, sorry at hindi mo maa-activate ang atm card mo diyan sa Saudi kasi wala namang BDO machine diyan. Dapat dito sa BDO machine dito sa Philippines. Ang plan mo is to withdraw money there? Sayang naman na magbabayad ka ng remittance fee para mapadalhan ng money ang account mo, tapos magbabayad ka uli ng atm withdrawal fee para widrohin mo rin ang money. Sabagay, you must have a reason that I don’t know. Merong nakapagsabi na you can use daw a Metrobank atm card there kahit hindi na-activate dito sa Philippines. Try asking these Metrobank remittance partners in Saudi if you can open a Metrobank account there. You can also email their representatives there.

  188. ah ganon po ba mrs nora! un nalang po magandang gawin. mag open nalang ulit dito sa saudi ng panibagong account. huling tanong po maam nora, pag nakapag open na po ako dito at nakuha ko na ung atm card, paano ko po un maactivate dito sa saudi? meron po bang atm machine dito na puwedi e activate? kasi po maam, gusto ko magwithdraw dito if puwedi po. salamat po mrs nora.

  189. Hi rayan, sorry na-closed na yong account mo after 14 months of no foreign remittance. Hindi mo na puedeng gamitin. Mag-open ka na lang ng new account when you take your vacation in the Philippines or doon sa office abroad where you opened your account.

  190. hi po mrs Nora. tanong ko lang po, meron po akong BDO Kabayan Saving Account. dito ako kumaha sa Saudi. matagal ko na po hindi nahulugan, mula nung 05/07/2013 hanggang ngayon. ang tanong ko lang po ngayon, hindi na ba puwide gamitin un?

  191. Hi i just want to ask po.. pano po ba mg check online ng Balance sa Kababayan Savings mastercard?? Thank you po

  192. Hi po maam.. Ask ko lang po kung pwede ng check ng remaining balance gamit ang kabayan peso saving account master card in any atm machine po dto sa riyadh?

  193. Hi po. Im in australia and I have BDO Kabayan ATM Account, pwede ko po ba magamit to buy stuff online? If so, may charges po ba? Thank you so much.

  194. hi miss nora,
    inenroll q kasi kabayan accnt. ko through online banking para macheck ung deposits q ng nga wife q,
    ask ko lang po:
    if pwede i activate at any atm machine na my master card o cyrus na tatak?
    what happen po if d q xa naactivate???

  195. Magandang araw… Pwede po bang mag fequest ng bagong kabayan atm card ang card ko kasi ay medyo old na pwede kaya ako mag request ng panibago?

  196. Pwede po b n gamitin ang kabayan atm dollar account ko s pagbayad ng cheap ticket online meron syang logo ng mastercard

  197. Hi Marc Raffy, mukhang hindi na Kabayan ang account mo. Baka converted na into a regular account na kelangan na ng 10k maintaining balance. Meron bang time na hindi na nakapadala ng remittance from abroad within 12 months? Pag ganon ang nangyari, converted na into a regular account at kelangan na ng 10k maintaining balance at kung hindi mo ma-maintain, meron nang 300-peso penalty every month. Meron ding 1 dollar charge for atm balance inquiry at 3.50 dollar charge for atm withdrawal. Meron ding around 100 pesos for inward remittance fee. If you like, call BDO from a landline para toll-free: 800-863-0011

  198. Marc Raffy feliciano

    I have 1025riyal in my bdo account pero nung ibalance ko na naging 988riyals nalang. What happened?

  199. Marc Raffy feliciano

    I have my bdo kabayan savings account, nung Una nagdeposit ako ng 30riyal tas nagbalance akon 24 riyal nalang natitira. This week ngdepo ako ng 1k riyal tas nagbalance ako sa sabb 988riyal nlang. Bat ganon mam?

  200. Hi Dennis, ganyan na minsan ang BDO, biggest bank kasi kaya mayabang na at mapili na, although ang pagiging strict nila ay dahil kasi yan sa anti-money-laundering policies ng BSP, arising from the RCBC money laundering scandal. Ask your cousin to try another BDO branch. Kung ganon pa rin, tell him to ask the teller if puede yong barangay certificate, kasi proof din naman of address or residence ang barangay certificate. I hope you can share here if he finally has opened an account.

  201. Hello po?tanong ko lng po..bakit kailangan pa po ng prof of billing like bill ng tubig or kuryente ang mg-open ng bdo kabayan savings ngayon?pinakuha ko kc pinsan ko kc papadalhan ko xa monthly at kumpleto po ung req nya at may resebo po xa ng pinadalhan ko from ml galing dito sa saudi.

  202. Hi , I transferred money from my al rajhi account to my kabayan savings yesterday . How long it will take before it will appear on my kabayan savings? Thank you

  203. Hellow po, tanong ko lang po sa kabayan dollar acc. ko, meron naman po siya mastercard,maestro,cirrus,megalink,pero hindi po ako mka widraw dito sa norway, ang sinasabi ng machine is “your card issuer decline this transaction” ano po kaya problema?

  204. Hi Ronamie, yes, puede sa mga merong POS or swipe device for Mastercard or Visa (the same as the logo in your card). Kung Megalink lang ang nasa card mo, puede sa stores with Megalink swipe devices.

  205. Hello po Pwd po b gamitin pambayad ang kabayan savings card f ever n meron ka bibilhin? Salamat.

  206. Hello po maam
    Pwd po b gamitin pambayad ang kabayan savings card f ever n meron ka bibilhin?

  207. Hello po maam .tanong ko lg po kung owd ko ma widraw yung 18k sa BDO ATM DEBIT CARD ko ? Magkano po yunh owd ko ma widraw at equivalent sa dirhams po magkano yung charge lahat ..pls po reply

  208. hello ms.nora..plano ko mg open ng kabayan saving accounts..but my problem is di po ako mkkauwi for vacation so di ko maiactivate card ko.. can i asked someone in the phil to activate for me? or is it necessary na ako tlga? kasi i need it for withdrawals…thank you

  209. hello ms.nora..plano ko mg open ng kabayan saving accounts..but my problem is di po ako mkkauwi for vacation so di ko maiactivate card ko.. can i asked someone in the phil to activate for me? or is it necessary na ako tlga? kasi i need to it for withdrawals…thank you

  210. Hi Sol, magagamit mo lang sa POS kung merong Mastercard or Visa logo yang atm card mo. Ask mo lang yong seller/cashier kung puedeng mag-swipe ng Mastercard or Visa debit card, or check if they display Mastercard/Cirrus/Maestro or Visa logo

  211. Hi can i use my BDO DEBIT CARD in POS here in dubai?



  213. hello, maam nora, can i withdraw my money through any atm machine using my atm card kabayan saving here in doha qatar?

  214. Hi jade, you can try writing your inquiry here: BDO Contact Page . Or call BDO: from Saudi Arabia 800-863-0011 or from UAE 800-0630-0021 — toll-free if landline.

  215. my kabayan card ako dati nagagamit ko sya s saudi para makapgwidraw ngayon nagvacation ako dito sa uae nung una isang beses nakapag widarw ako tas ng mga sumunod na araw ayaw na, at ang lagi sinasabi maximum limit exceed ano ba gagawin ko kailngan ko ng pera sana may masagot ang tanong ko

  216. Ma’am pwede ko po gamitin ang atm ng kapatid ko.ako po ay nasa Qatar nagpagawa kc ako sa sister ko ng atm with gusto ko ipadala nya sakin????

  217. Hi miss noora can i asked if I can use atm for my sister here in Qatar it is kabayan atm and a passbook? MasterCard logo

  218. Ma’am/sir
    Pwede ko po bang gamitin dito sa Qatar ung atm card ng kapatid ko po atm at passbook po un nagpagawa ako sakanya.gusto ko po kc ipadala nya saakin un dito sa Qatar????

  219. Hi Jay an, did you open your account in the Philippines? When did you open your BDO account? Is it a Kabayan account? Or a regular atm savings account? I ask these questions so I can answer correctly

  220. Jay an Geroy Colico

    How to activate BDO savings even im abroad tnx because i want to deposit money

  221. How to send money fr uae to phil. I have a kabayan atm and my tita from uae wanted to send me money.. How to do it ang how much would it cost?

  222. Hi po tanung ko lng po kng paano mag deposit ng pera gamit ang kabayan passbook here in saudi anu po mag mkikita ko riyal po ba na convert n s peso ung idedeposit ko dala ko po kc ung bdo kabayan passbook ko dito s saudi. Slamat po.

  223. Hi,my husband deposit in my account kabayan savings last week like 3k us dollar and since I was in Doha I checked here my BALANCE and nakita ko pumasok ang pinadala nya after 5 days nagdeposit uli sya ng 2k us dollar..then di ko na balance inquire uli kasi umasa akong pumasok na.pero after 5days my husband called me na bumalik daw sknya ang 2k dollar.bakit ganon?

  224. Hi Myas, sorry, you can use that Kabayan card only here in the Philippines. Megalink is not international. When you take your vacation, you can go to your branch and ask to replace your Megalink with a Mastercard-liked atm card.

  225. Pwede po ba mag inquire lang yung kabayan card na megalink lang nkalagay sa labas ng pinas?

  226. Hi MLB, are you keying in the amount “30,000”? Convert your peso into UAE dirham, kasi dirham ang lalabas sa machine. 30k pesos is around 2,307 dirhams, so withdraw siguro “2,200” dirhams. Siguro next time remember to plan your remittance, kasi sayang din yong pera na nakukuha for atm withdrawal fee at yong sa conversion. Baka ang conversion from peso to dirham is divide by 15 or 16, hindi by 13.

  227. hello po,ask lang po,i was trying to withdraw po sa aking bdo kabayan,im here at uae po,pero sabi po ng machine lageng exceeding daw po sa aking balance e hindi naman po.ex. 30k gusto ko widrawhin pero actual balance ko po is 50k.anu kaya po sa tingin niyo problema? salamat po

  228. Hi Rosalie, you can call BDO 00-800-8-631-8000 or 00-632 631 8000, or you can ask your question here: BDO Contact page

  229. Hi good evening! Question po dto ako s kuwait ngyon bakit lumalabas s machine n do not honor kpg ng withdraw ako before nmn nkpag withdraw ako. please help

  230. Hi Elaine, if your atm card has a Mastercard logo, and if you have activated your atm card, yes, you can use it online and at grocery stores that have Mastercard-linked swipe devices.

  231. Good Morning po. Can i Use my Kabayan peso savings atm card to purchase online? and on grocery stores?

  232. Hi Donie mark, have you changed your default PIN at a BDO atm when you were in the Philippines? If yes, then yes you can use it to buy online

  233. Good Day, Ask k lng po kung puede k gamitin ang BDO Kabayan Savings to purchase online. May MasterCard, Maestro and Cirrus Logo.

  234. Hi Ryan, yes, you can withdraw there if your atm card has a Mastercard or Visa logo, and if you have activated it at a BDO atm when you were here. Yes, that’s the maximum per transaction, up to 5 times withdrawals in a day. Yes, it’s $3.50. But the machine there might also charge for foreign withdrawals. Usually, it’s displayed on the screen or on the machine.

  235. Hi! Just want to ask if i can widraw here sa US using kabayan accnt? Is 10,000 pesos pa po ba din ang maximum na widrawal per transaction? Is it 3.50$ dollars pa po ba ang bawas in case? Thanks.

  236. Hi jennyrise, meron bang MasterCard logo ang atm card mo? At na-change PIN mo ba yan sa BDO atm noong andito ka sa Philippines? Try mo munang gamitin bago mo palagyan. Find a machine with MasterCard logo din. Try mo muna mag-balance inquiry. Later on kapag magwidro ka, ang amount na i-enter mo ay yong equivalent ng peso sa pera diyan.

  237. pano q poh cia pwding ma wedro dto sa taiwan bdo kabayan saving poh gamit q

  238. opoh kc poh yong frend q gusto pong don nlng ilgay tapos dto q poh wewedruhin sa taiwan ok lng poh ba yon

  239. hi poh aq poh c jenny rose meron poh aqngbdo kabayan saving dto poh aq sa taiwan pwd koh poh bng mawedro dto ang perang ihuhulog sa accont q pls poh need q poh nang answer

  240. Hi genevieve, na-active mo ba sa BDO machine sa Philippines ang atm mo? Meaning na-change PIN mo after you opened your account? Meron bang Mastercard or Visa logo ang atm mo? Gumamit ka ba ng machine na has the same logo as your atm logo?

  241. helo po! dto po ako sa taiwan, gamit ko po BDO ATM, ntry ko po magbalance sa hi life nd po pwede, kinain p nga ng MACHINE ung ATM ko! pero nakuha ko nmn! ano po dapat gawin para magamit ko ung ATM ko dto sa taiwan! pa help po please!!

  242. Hi Jewel, sorry hindi. Yang BDO Taipei is only a representative office. It’s for remittance, marketing and customer info only. Para ma-activate yang atm mo, dapat mag-change PIN dito sa BDO atm sa Philippines.

  243. D2 n po kasi sa taiwan ako nkapag pa open ng kabayan savings account.
    ok n dn po ung sa online banking.
    D ko nga Lang po magamit ung Atm Card ko for online payment kasi kailangan pong ilink muna ung savings account to atm card para po mkapag transact na ako.
    pwede po bang ipa link un d2 sa BDO Taipei?
    Thank you po…

  244. Hi po…
    ask ko Lang po f pedeng ipalink ung deposit acct. # to my atm card d2 sa BDO Taipei para po magamit ko sa online payment.

  245. Hi Airol, you should be able to withdraw abroad. At the moment, I can’t think of any reason why you can’t withdraw, since you said you can make a balance inquiry. There might be a maximum withdrawal for the atm there — try a lower amount in the currency there where you are.

  246. My BDO Kabayan card has been activated in Philippines. I can inquire balance but I cannot withdraw. Is there any activation for withdrawal I need to do or is it automatic? It has Mastercard logo. Thank you.

  247. Do i need to activate my Kabayan BDO card to withdraw abroad or is it automatic? It has Mastercard logo.

  248. Hi erra, ang charge is per withdrawal, hindi based sa amount. Maximum per withdrawal is 10,000 pesos. I-convert mo na lang to riyal. Maximum per day is 50k pesos. Maximum number of withdrawals per day is 5 times.

  249. Hi erra, doi and noor, sorry for the delayed response. I went somewhere. Yes, puedeng magwidro abroad as long as your atm card has a Mastercard logo and you have changed the default PIN at a BDO machine in the Phils. Withdrawal fee is 3.50 US dollars. Balance inquiry fee is one US dollar. Maximum withdrawal amount per transaction is 10,000 pesos. Maximum withdrawal amount per day is 50,000 pesos. I-convert nio na lang from peso to currency diyan sa inyo. Maximum number of frequency of withdrawal is 5 times.

  250. hi nora, ask ko lang kong pwedi ba akong mag withdraw dito sa Kuwait gamit ang atm kabayan savings ko? kong sakaling pwedi mga magkano naman po ang charge at kong may limit magkano naman din po?

  251. hi nora , may withdrawal limit kaya pag gnamit ang bdo kabayan card to withdraw dito sa SG ?

  252. Good day po. Ask ko lang po ung withdraw charge is kung per withdrawal po ba or sa amount na ka base po? Dito po ako sa saudi.

  253. Hi fila, puede lang if your atm has a Mastercard logo, at na-activate mo yang atm card mo here in the Phils

  254. Good day..ask k lng pwede ba ak mg wthdraw or balance inquery ung bdo kabayan savings dto sa qatar?

  255. Hi nora can u please email me??thank you so much

  256. Yes po meron..nag try po ako 3 times pero the machine cannot read your chip yan lang po ang lumalabas.

  257. I tried to widraw using may kabayan ATM card here in taiwan but it doesn’t work..Ayaw basahin ng machine ung card ko..anu po kaya magandang gawin??any suggestions please???thank you

  258. Hi Jovy ann, merong Mastercard logo ang atm card mo? Kapag wala at Megalink lang ang andiyan, sorry hindi mo magamit yan diyan. Pag meron, find a machine that has a Mastercard or Maestro or Cirrus logo

  259. Magtatanong lang po ako kung anong magandang gawin..I tried to widraw using may kabayan ATM card here in taiwan..kaso po ayaw basahin ng machine hung card ko??anu po kaya magandang gawin..Thank you????

  260. Hi po di ako mkagawa ng online account para sa kabayan saving ko andto ko sa qatar sabi sa email rejected dw kasi my mga online acct na ko date sa bdo tinatry ko syang iretrieve kaso disabled n dw due to inactivity ano ba other option pra mkagawa ako ng online account gusto ko kasi mamonitor ung balance ng card ko thanks

  261. Hi Rosanna, magpadala ka sa Al Rajhi Banking. Siguro 10 to 20 riyals. Magpadala ka na in peso para diyan na ang foreign exchange conversion. Ask the bank something like “If I want to send 10,000 pesos, how much will I pay in all?” Puedeng mag-deduct pa rin ang BDO ng around 150 to 200 pesos for inward remittance.

  262. Good eve po paano po ako magpapadala thru kabayan savings accout atm.dito sa Saudi magkano po charge?salamat po

  263. Hi angelica, bakit matagal? kinokopya ba yong number? Sa palagay mo ba, nakopya niya ang 16-digit card number mo, yong expiry date at yong 3-digit security code mo sa likod ng card? If yes, iwidro mo muna yong pera mo ng isang buwan. Kabayan pa ba ang status ng account mo? Kasi wala naman yang penalty kahit walang laman basta Kabayan pa ang category niya. Kung nakopya kasi yong 3 data figures na yan, at marunong yong cashier, puede niyang gamitin to buy goods online. Merong mga online merchants na hindi na kinukuha yong address ng owner, so magagamit yong card basta tama yong 3 data figures na yan. It’s better that you use a plain debit card for paying stores, yong walang Visa or Mastercard, para hindi magamit ng iba online. Yong Mastercard mo ay para lang sa iyo if you want to buy online. Ingat ka rin sa online payments. Dapat sa mga reliable merchants lang, like Lazada, Amazon, etc. Merong “https” at hindi “http” lang yong URL nila.

  264. magandang gabi po. tanong ko lang po sana. kung may ibang tao po na nakakaalam ng card # ko. pwede ba nilang gamitin to pang shopping sa online? or should i say na mananakawan nila ko dahil sa pag gamit nila ng card # ko? BDO kabayan savings po ang gamit ko na may logo ng mastercard, maestro, cirrus at bancnet.
    natatakot po kasi ko at 1st time ko pong mag swipe ng card sa puregold, e ang tagal po kasing hawak hawak nung cashier yung card ko (nag woworry lang po at nag iingat ako)

  265. Hi nancy, without OTP, you can use your BDO online banking only to check your balance and certain other transactions. After login, click “Challenge Question” and answer the question.

  266. what about the one time password. when i am abroad my registered mobile or network carrier is not working. how can i continue logging in to my account? just confused any advise please

  267. Hi Romancito, yes, puede kung merong Mastercard or Visa logo sa atm card mo. Withdraw at a machine with the same logo as that on your atm card. At saka, dapat na-change mo yong default PIN mo at a BDO machine when you were still in the Philippines.

  268. Hi Romancito, yes, if your atm card has a Mastercard or Visa logo, and if you have changed your default PIN when you were in the Phils. Find a machine that has the same logo as that on your atm card.

  269. Hi Maricel, yes, since your atm card is linked with Mastercard or Visa. But have back-up cash or another international debit card, just to be sure. There are times the Mastercard-BDO link is off.

  270. I have BDO kabayan savings account. I was able to use it in Saudi arabia. I am going to US for travel. Magagamit ko ba ito for travel purposes? like sa airport? or paying meals don?

  271. Romarcito M. Cañonero

    Hi..good day poh..ask lang poh ako ..if pede po ba dito sa saudi makapag with draw ng bdo kabayan atm..

  272. Hi Jimmy, yes, puede, basta merong Mastercard or Visa logo yang atm card mo. Use it at a machine displaying the same logo as your card. Ang Mastercard puede sa Maestro o Cirrus atms.

  273. gud eve poh… ask q lng poh if pwd poh b mgbalance inquiry d2 sa taiwan using BDO kabayan saving card sa alin mng atm boot… thankz poh sa tutugon…..

  274. Hi ralph, yes, if your atm card has a Mastercard or Visa logo (has a card no., expiry date and 3-digit CVC or security code)

  275. Can i pay airticket online using kabayan saving debit card?

  276. Hi Gigger, according to BDO, the charge is 3.50 US dollars per atm withdrawal overseas.

  277. Hi Benjazer, siguro nagpe-play safe ang BDO. Gusto niyang ma-sure na ikaw ang gumagamit ng atm card. Nakikita mo naman ang balance mo? I hope so. You can call BDO from Qatar: (International Access Code from Qatar) + 800-8-631-8000 or 00-800-8-631-8000.

  278. Benjazer sappayani

    tanong kolang po, Ginamit ko kc ang kabayan savings ko sa play store para bumili ng gems. Noong una gumagana pa. Mga ilang araw po dna po gumagana. At chenik kopo sa atm machine dto sa qatar. nabubuksan konaman po kaso d ako makapag withdraw invalid din daw po. Master card po gamit ko at yung machine may master card salamat po malaki po laman non

  279. Hi there, How much is the withdrawal charge if you are in Dubai?

  280. Hi Rieden, ang logo ba sa atm card mo is Mastercard? And you are withdrawing at a machine there that has a Mastercard logo? Yong winiwidro mo ba na African money is not in excess sa balance mo in pesos? Are you pressing Savings if type of account is asked there? If okay naman lahat, try another machine. Pag ayaw pa rin, try other days at other times. Pag ayaw pa rin, sorry, wala na akong ibang maisip. Hindi naman siguro demagnetized yong card mo kasi bago pa lang. Sorry. ma-solve ma na lang siguro yan when you take your vacation in the Phils and have your atm card replaced.

  281. Hello
    HElp po . First time ko pumunta dito africa mag one month palang ako. magwiwithdraw sana ako sa bdo kabayan ko…na kaka open ko din lang bago ako umalis ng pilipinas. after masettle ung card ma activate sabi naman nila o.k na..pero nung mag subok ako mag withdraw sa ecobank . pumapasok naman ung password pero pag mag balance inquiry wla din lumalabas. resibo lang .pag mag withdraw resibo lang din…pag check ko sa mobile banking hndi naman nababawasan ung laman …huhu help can’t withdraw. tas tumawag ako sa bdo sabi bka hindi compatible ung kabayan card…eh ung kasama ko dito bdo blue ang gamit naka withdraw naman sya

    I tried to repost hinndi ko mahanap ung first post ko ..

  282. Hi alvin, kapag mawidro mo ang equivalent ng 50,000 pesos in one atm transaction sa abroad, yes, yan lang dapat ang charge kasi yan naman ang naka-publish na fee per atm withdrawal abroad. Pero 10,000 pesos ang maximum atm withdrawal ng BDO per transaction, so malamang 10,000 pesos rin ang i-aapply na maximum for debit, pero di ko sure. Try na lang

  283. hello po….
    pag po nag withdraw ng 50.000 pesos sa abroad….?
    ang charge po ba nun eh 150 pesos or $3,50?…
    wala parin pagbabago ang charge kahit gaano kalaki ang nawithdraw?…

  284. Hi Kieth, you are withdrawing UAE dirham there in Dubai, so dapat amount in UAE dirham ang i-enter mo sa machine. Sa BDO, ang maximum atm withdrawal per day is 50,000 pesos, so mga around 3,800 UAE dirhams ang puede mong iwidro per day. Check mo rin kung merong maximum withdrawal limit ang machine na ginagamit mo. Sabagay dapat sabihin din ng atm kung “you’re exceeding this atm maximum withdrawal limit” including the maximum amount.
    Sorry no, there is no bank there that offers over the counter withdrawal for BDO account owners.

  285. Hi Nora,

    I have a bdo kabayan atm with mastercard logo. How much is the withdrawal limit per one transaction here in Riyadh and how much per day?Thanks

  286. Kieth Walter Ayuso

    Hi Nora, What is the withdrawal limit of BDO Kabayan Dollar Account in Dubai? Tried withdrawing 5K but I keep on receiving the prompt message that I’ve exceeded the total limit of withdrawal amount for the day. Can I withdraw over the counter to any local bank in Dubai?

  287. Hi josie, ang OTP ay nag-iiba-iba at tinitext yon ng BDO kada transaction. Hindi ito sine-send through email. Ang puede mo lang gawin ay balance inquiry. After ka mag-login, click mo yong “Challenge Question”, sagutin mo yong question at kung magtugma ang sagot mo sa isinulat mo noong nag-open ka ng account, makakapasok ka sa account mo at makikita mo ang balance mo. Yon lang muna ang makikita mo at magawa mo; hindi ka pa puedeng mag-transfer or bumili ng cellphone load, kasi kelangan ang OTP sa mga ganitong transactions.

  288. Hi i open an online banking but i can’ open my account because its locked. I need OTP but i can’t recieve it because i have mistake,i put an incorrect mobile number. I want to open it but i cant call in the costumer service of bdo bcause i don’t hve load. I cant go out bcause im working here in qatar as dh. I hope u can help me to send my OTP In my email account so that i can open it. Thank u

  289. Hi Jam, I’ve emailed you.

  290. Hello miss Nora good day, Can you please inform me how much money can I withdraw here in Dubai using my BDO ATM card? How much is the limit per one transaction ? How much is per day? Thanks and Best Regards

  291. Can i use my bdo kabayan with mastercard logo to withdarw here in sg? Tnx

  292. Hi Femina, does that machine have a Mastercard logo? Or maybe the ATM you used has a minimum withdrawal amount of 500 in Macau money? Like here in the Philippines, BPI has a minimum withdrawal amount of 500 pesos. Try a balance inquiry, to check if the Mastercard-BDO link works.

  293. Hello po i am.currently here in macau i am withdrawing my $300hkd from my kabayan account but the machine always say invalid transaction why is it while i was able to withdraw when.i was in hongkong?

  294. Hi I just want to ask. My parents sent me money from Philippines to NZ through BDO Kabayan account. will I be able to withdraw the money from any atm bank here in New Zealand? Thanks!

  295. Hi Joe, sorry for missing your question. I hope your concern has already been solved. If not yet, call BDO as they prefer phone call to email for account issues: toll-free from a landline there: International Access Code-800-8-6318000

  296. Hi mrs Nora, I am currently abroad and been very happy in using my BDO atm on a monthly basis. recently, thought i had been unable to withdraw from the card, it say i reach my daily limit. however, i have not withdrawn anything from the card.

  297. Hi regie, does your atm card have a Mastercard logo? When you get back in the Phils, request for a Mastercard-linked atm card at your branch. If your current card has a Mastercard logo, try another machine with a Mastercard logo.

  298. I’m trying to withdraw using my bdo kabayan account outside Philippines but it says it doesn’t allowed,pls help

  299. Hi marz, yes, your sender can send money to your Kabayan account. There’s no maintaining balance requirement for Kabayan, but there must be at least one remittance from ABROAD every 12 months. If there’s no foreign remittance within 12 months, the maintaining balance requirement is 10,000 pesos. The 3.50 USD fee is only for atm withdrawals abroad. If you withdraw from a BDO atm, it’s free. God bless too

  300. Hello ms NOra,
    I am here in the Philippines and my usual sender is a foriegner, will it be ok that he will send he money thru BDO KABAYAN SA? If yes, then How much really is the maintaining balance?coz i read in some bdo sites thst there’s no maintaining balance with this Bdo kabayan.
    And also is it still 3.50USD if I’ll withdraw here in Philippines?
    Thanks a lot and God bless!

  301. Hi alvin, BDO’s rule is that you need to remit to your Kabayan at least once every 12 months, so I think by the 9th or 10th month, your Kabayan will still be active. But to be sure, before you deposit on the 9th or 10th month, ask your family to deposit 100 pesos to your account, and if the deposit is accepted, it means your account is still active.

  302. Good day po. If I won’t be able to remit money to my atm kabyan master card, will it automatically close po? I plan to remit to it around 9months or 10 months, Thanks po. god bless po

  303. Hi Yumi, there’s no minimum amount, as long as it’s sent from abroad.

  304. Hi Is there minimum amount for international remittance for this kabayan account? ( I am informed that this card will turn into regular acount wth 10k as minimum if has no international remittance within 1 yr)

  305. Hi Angel, see or ask what bank owns the atm machine inside that 7/11. Then go to the bank branch nearest that 7/11, and request that they retrieve your atm card captured in their 7/11 machine. Show your IDs. It will match the name written on your captured atm card – that’s proof that you own the captured atm card. BDO can’t do anything about it because it does not own that atm machine there. Did you change your PIN at a BDO machine in the Philippines?

  306. Hi,im her in taiwan i try to withdraw cash using my atm master card its my kabayan account,but when im trying to withdraw in 7/11 my card was lock in the atn machine,what i need to do,since the person who in charge in 7/11 told me to call in the philippines for the help,pls help me,this is my firstime to used my kabayan card,,

  307. Hi ambelle, you will get UAE dirhams. Compute to convert your available balance into dirhams. Use a lower exchange rate to be sure you have sufficient funds.

  308. in case, i withdraw here in UAE, in what currency will i get the money?

  309. Hi Erwin, I’m glad that you’re well-informed, you’re conscious about costs and you write well. Keep on!

  310. Thanks for replying! But I dont want having multiple cards since i recently lost my wallet and had all my cards blocked. Also because all my allowances is being remitted only to my kabayan debit card and it once had the mastercard logo and it has no expiration. Unlike the bpi e prepaid mastercard it costs 500 pesos and has short validity which is just 2 years. I’m also not an active smart user. I mainly use my globe sim so i might just get the gcash beep mastercard if i want to transact online again. It also appeals to me more because if i get the gcash i can use it for lrt/mrt rides as well since it has beep functionality. Lastly it is valid for 5 years and only costs 150 pesos. So that’s it. I’m a globe user it just costs a little to get one so i might give that a try. Many thanks again, Nora!

  311. Hi Erwin, if that’s the new policy of BDO now, you can apply for other Mastercard or Visa debit cards that you can use for online purchases. If your SIM is Smart, you can apply for SmartMoney Mastercard with only 100 pesos. Go to SMART Money Mastercard application. If your SIM is Globe, there’s Gcash Mastercard. Go here to see Gcash Caravan schedule so you can apply for your Gcash card. Here’s my post about BPI Mastercard prepaid card — card fee is 500 pesos for 2 years. I hope you comment again about which card you got

  312. Hello there. I applied for a bdo kabayan atm debit card with passbook when i was in highschool. Now after 4 years i recently lost my card and had it blocked and replaced for a new one. My problem is that, my first debit card (the one i just lost) had both the visa and mastercard logos on it. Now that i got it replaced with a new one, neither of the two logos is present. The branch where i opened my account said it is because they updated their terms and conditions, that only the remitter gets to have the logos, removing me, the beneficiary of having the logos i once previously enjoyed. The thing is, my sister still has her old kabayan atm card with the mastercard, visa, megalink logos on there and she can still use it in online transactions requiring mastercard payment options (she always chooses mastercard payment option, like ordering her nso birth certificate online using mastercard). Now that i think about it, how or why does my sister can still use her kabayan atm debit card with maestro, visa, cirrus, & megalink logos on it if bdo really updated their terms and conditions? I was like stolen an ability to purchase online especially in lazada where the item ships from abroad. Please advise me if i can still have back my bdo kabayan atm debit card with mastercard, visa, megalink logos on it. Thank you so much!

  313. Hi Camille, the announced fees are 3.50 US dollars for withdrawal and 1 US dollar for balance inquiry.

  314. Hi, Can u please let me know how much is the charge for the swipe of kabayan mastercard in uae , balance inquiry and withrawal?

  315. Hi john, is the Visa logo on your atm card? Yes, you can use it as a Visa debit card. If it’s Mastercard logo, use it at Mastercard stores. If it has only the Megalink logo, you can use your atm as debit card only locally…at supermarkets that accept Megalink.

  316. Hi, is kabayan savings atm can be used as visa debit?

  317. Hi aj, does your atm card have a Mastercard logo? And are you withdrawing at a machine with Mastercard logo? Before withdrawing, it’s better to make a balance inquiry first.

  318. hi!, can i also use my kabayan savings card to withdraw outside Philippines? because ive tried so many times to withdraw but it cannot.please help.tia

  319. Hi nora i forgot my pin number in my bdo debit card & i tried 4 or 5 times to input my pin in POS machine. Is there any possibilities that my card will block if i tried plenty times in POS with wrong pin number? Thanks in advance.

  320. Hi Ren, I had the same experience. Once your payroll account gets deactivated, your online banking will also get deactivated, since you enrolled with your payroll account. You’ll need to enroll again with your active account. After I lost my online banking, I enrolled again with my non-payroll account. It was okay for me since I’m just here in the Phils. I can activate through the atm machine any time.
    Maybe what you can do is to cancel your current online banking asap while you’re still here, then when it’s fully cancelled, enroll in BDO online banking using your Kabayan. To be sure, call BDO and ask how to delete your online banking enrolled through your payroll so you can re-enroll using your Kabayan. After re-enrolling, enroll your mother’s account into your online account while still here because you’ll have to validate that also through a BDO machine.
    I’ve read though at online forums that now, if you maintain your BDO payroll account, meaning you maintain at least 2,000 pesos in your account, your payroll account will not be closed. Confirm this also with BDO through phone.

  321. I see. Thank you so much Nora for your response. Yes, I plan to send money to my mom’s BDO account once I am in Canada and I am worried if it will ask for an OTP. I have another question. I have 2 BDO accounts, one for payroll and one is Kabayan. I tried to enroll my Kabayan for online banking and it was not successful. I found out that you can only have one online account. So I used my existing online account and enrolled my Kabayan account there as well. My problem is, by the time I resign in my job, will it affect my online account? Since I registered my online account when I had my BDO payroll. I don’t thoroughly understand the concept of online banking yet. I’m thinking that my BDO payroll is connected with my online account so if my BDO payroll gets deactivated/inactive, it will affect my online account. I’m just confuse on how this works. Please enlighten me.

  322. Hi Ren, thanks a lot for commenting and sharing helpful information. Based on my transfers, OTP is not required for transfers to another person’s BDO account, since this is an enrolled and atm-validated account. But there could be a maximum limit. I’ve transferred only up to 10k. I don’t know if they require OTP once you transfer higher amounts, or you make multiple transfers per day. In the Send Money to any BDO account, you can transfer only up to 10k with using the Challenge question for login (again, subject to change in policy).

  323. Hello Wilson! In addition to Nora’s response, please do not access your online banking account or the phone banking app if you are connected to a public wi-fi. There is a possibility that it can be hacked. You may try to connect to a private wi-fi with a WPA2 encryption. Or you can use your cellular data connection on your phone than using wi-fi. I will be using Kabayan BDO since I will move to Canada.

    I do have a question, when you transfer funds from your bdo account to another person’s BDO account, will it ask you for your OTP? My problem is I won’t have access to a phone number yet. The phone number in my online account will not be of use when I go abroad. Please advise.

  324. Hi Wilson, yes, it’s safe if you keep your computer or smartphone secured, and you use a strong password. BDO also uses a one-time-password (OTP) sent by BDO to your phone, so this is another layer of security. The only time someone can steal your money online is when someone knows BDO online banking and knows your username and password and holds your phone with phone no. that you registered with BDO.

  325. I want to enroll online banking because i want to update my account when im in question is if safe?the online banking

  326. Hi Pinky, do you mean you have withdrawn 50,000 pesos today? If yes, then you can withdraw up to 50k pesos again tomorrow. The maximum atm withdrawal amount per day is 50k pesos. If you want to withdraw more for the day, after withdrawing 50k from the atm, withdraw the rest over the counter, at your branch. If at another branch, there could be a 100-peso charge.

  327. Hello everyone.i just wanna ask about my concern. I withdraw a money at my bdo kabayan atm card. Then i reach the withdrawal limit. Do this card will work after a month? Or what is the possibility to do so i can use to withdraw again.

  328. Hi Aljhon, did you change your PIN and activate your atm card in the Philippines? Or did you try a lower amount of Saudi riyals? The maximum atm withdrawal per transaction is 10,000 pesos or about 800 riyals. Or does the machine have a Mastercard logo?

  329. Hi why i cant withdraw from my kbayan saving atm (mastercard)..what could be the reason?im in jeddah ksa..used it on al rhaji atm machine..tnx

  330. Hi i have a problem with my atm card. I withdraw my money last thursday. And then i tried to withdraw today(saturday). The atm terminal tells me that i have reached my maximum limit. But i did not withdraw any money today. What will i do?

  331. Hi Lawrado, yes, make a balance inquiry at an atm displaying the same logo as that on on your atm card (Mastercard or Visa logo). Inquiry fee is 1 US dollar

  332. can i check my kabayan BDO balance here at Ssaudi Arabia, and what specific bank?

  333. Hi Genivy, no, it won’t be closed even if you don’t make a withdrawal, as long as you send money to it at least once every 12 months. If your first deposit was 10,000 pesos or more, and you did not withdraw it, and the balance is still 10,000 pesos or more, then it’s even better. Send money to your account so you can save. Use this BDO Remit Status Inquiry to track your remittance.

  334. good day. I opened an account before I left pinas and the balance is more than the maintaining balance. I haven’t sent to it for more than 4 months since I left. And I can’t use it here in kuwait because my card does not have visa or MasterCard logo. Will it be closed if I don’t make a withdrawal but I will send money to it? Please reply. Thanks po

  335. Hi razhiel, sorry you cannot withdraw using your passbook there because your account is a Philippine-based account. You should find out which bank owns the machine that captured your atm card so you can request to have it retrieved. Or maybe they retrieved it already, and you just need to ask to claim it using your IDs.

  336. my atm card was captured by the machine. I need to withdraw thru bank book kabayan account. can I withdraw over the counter? where can I withdraw here in taiwan?

  337. Hi Jackie, if your atm card has a Mastercard logo, and if you have activated that card here in the Philippines, then you can withdraw at an atm machine there that displays a Mastercard logo. The charge is 3.50 US dollars.
    You can transfer money from your BDO account if you have registered in BDO online banking and have activated your registration. After you login, you use the Send Money to unenrolled accounts or use the Financial Transactions for fund transfer to enrolled BDO accounts.

  338. Hi Roel, no, you use the currency of the country where you are because the atm machine there was set in that country’s currency. Convert 10,000 pesos into that currency, then that’s the number that you enter into the atm. Give allowance to the BDO withdrawal fee, which is US$3.50. If the machine displays a fee for foreign atm cards, then give allowance also to that fee.

  339. Hi Ms. Nora, Im here in dubai and i want to withdraw using my kabayan savings atm. so what should i do? and how can i transfer money to another bank? thank you so much!

  340. Hi Nora,

    If I have 10,000 pesos on my atm and I will withraw it abroad… should I just enter 10,000 on the atm machine and it will convert automatically?

  341. Hi mervin, yes, you will use the 16-digit card no. on the card, the expiry date and the 3-digit security code at the back of the card. Maximum transaction per day is 25,000 pesos. Assessment fee of 1% and service fee of 1% for foreign currency conversion.

  342. Hi Ms Nora, can i used my bdo kabayan ATM debit card mastercard logo in shopping online like amazon..thanks

  343. Hi Christine, I hope you put 10k pesos in your Kabayan because, as you said, it’s now a regular account. If you’re unable to maintain 10k for 2 straight months, your balance will be reduced by 300 every month until you’re able to maintain. Does your card have a Mastercard logo? To use your card in stores, you need your pin.

  344. Hi, Christine here, I have kabayan savings that turns to regular savings now, I already used it when I go for vacation, now am back in uae, so I have plan to save again in there but can I use the card here to swipe in any supermarkets? I forgot my pin so I never try and I didn’t save yet also, thanks

  345. Hi JM, sorry, since your ATM card is not activated, there’s no way that you can withdraw there. I hope you can find someone there who can lend you money. You can also ask your family in the Philippines to send you money via Western Union. The sending fee is around 500 pesos for 10,000.

  346. Good day, I just want to know if there is any way that I can withdraw my money here from dubai. I haven’t activated my atm since I haven’t come back to the philippines. I was told that I can only withdraw from the phil. I terribly need money since my salary from my previous company will be available after 1-2months included on my separation pay. I hope you can help me. Thanks.

  347. Hi Bert, if your BDO account is a US dollar account, you use wire transfer. Here’s some info:
    If yours is a peso account, you can send only to other BDO and other local bank accounts.

  348. Hi Nora, how can I send money to New zealand using my online banking? Thanks

  349. Hi zaldy, yes. Just go to the website of the airline. Look for Booking or Book. You first search and choose your flight. For payment, the website will ask for your credit card name, no., expiry date and the 3-digit security code at the back side of your credit card.

  350. hi Ms. Nora can i use my bdo credit card to purchase ticket in malaysia going to dubai.


  351. Hi Feliciano, the only way is to call BDO from Singapore. If you use SingTel, this is the toll-free no.: 001-800-8-6318000 or call +632 631 8000. Be ready with your account no. and details of last transaction

  352. Hi nora im here in SG i want to edit my phone number and change it to SG number so that i can fully use the online bankng but the prob is it ask an otp code.. now how i can change it coz my phil number is already lost.

  353. Hi good day just a piece of question how much is the maximum that I can widraw here in Middle East ex: Kuwait or Dubai I have a BDO kabayan savings hope for your reply at your very convinient time.. Tnx

  354. Hi Ryan, yes, you need to tell/request the BDO officer right away because they normally issue the Megalink-only card. Usually, you’ll be asked to return after 3 to 5 days to get your ATM card. God bless too

  355. Hello there mrs nora, i am planning to open an account (Kabayan Savings)and my question is if i open an account will they automatically give the card with a Mastercard logo (has an expiry date and a 3-digit security code at the back of your card) or i will have to tell them.
    Your response will be a great help.
    Thank you and God bless.

  356. Hello Nora,just i wanna asking my kabayan saving if still active or close,pls i need your reply thnks and god bless u.003340271202 Moomina B.Dibaglen,thnks again.

  357. Hi Chaunda, sorry, if your atm card does not have a Mastercard logo, you cannot use it there. Megalink functions only here in the Phils.

  358. Hi i have a kabayan account and i try to used it here in autralia but i cant i have asked to the bank last time if i can used it but i cant when i try but my card doesnt have any visa or mastercard it only have a megalink at the bank is it not possible to used it here

  359. Hi Hanina, did you open your Kabayan there abroad? If yes, sorry but you can activate your atm card only at a BDO machine here in the Philippines. You can change your atm PIN only in the Philipines.

  360. Hi nora how to activate the bdo kabayan to withdraw money out of Philippine??

  361. Hi po me. I forgot to register online my kabayan savings accnt. And I brought it here in Taiwan. I like to check my savings through online but I don’t know how.. Pls help

  362. Hi Jun, if your Kabayan atm card has a Mastercard logo (has an expiry date and a 3-digit security code at the back of your card), yes, you can use your debit card (just like how you use a credit card) to make an online booking and online payment on for a PAL international flight that’s priced in USD.

  363. can i use kabayan account enrolled on bdo online banking to purchase philippine airlines international flight in USD? Thanks

  364. Hi Lhene, find an atm machine that has a Mastercard or Maestro or Cirrus logo. Balance inquiry fee is 1 US dollar. withdrawal fee is 3.50 US dollars.

  365. Hi nora.Lhene here.i just want to ask which bank here in Malaysia i can withdraw some holding kabayan mastercard debit much is the charge by the way…thanks in advance

  366. Hi Yanie, sorry I don’t know of a BDO policy that limits consecutive-day withdrawals abroad. But maybe BDO has this limit to protect account holders. You can try again after 24 hours, or you can try making a balance inquiry. You can also call BDO: toll-free if you use landline — 800-863-0011 or the same way you call others in the Phils: +632 631 8000

  367. Hi nora. I tried to withdraw cash from bdo affiliated bank here in saudi. When i checked the balance it is 21,000 then i took 3000sar since it is more or less the equivalent of 50,000 maximum withdrawal limit in ph. I took 3,000 for 3 consecutive days and just awhile ago i tried to take another 3000 (making it 4 days in a row) but i wasnt able to take and it says “sorry your transaction cannot be processed at this time” i tried with other atm machine of the same bank but its says the same message. What could have caused this? Im worried there might be something wrong…

  368. Hi jessie, BDO’s PIN consists of 6 digits. If after 2 tries, you’re not successful, it’s better if you stop and think some more what’s really your PIN, then try again after a few hours. After 3 unsuccessful attempts, your card will be put on hold — you can try again after 24 hours. If you can no longer remember your PIN, you have to replace your atm card at your Philippine branch in person.

  369. I have bdo kabayan savings acount am confused if password are 4 digit or 6 cant remember i am in qatar right know…

  370. Hi Ren, yes, you can use it here in the Philippines or abroad. Just make sure that the restaurant, bar or store is a MasterCard merchant. It’s wise to ask them beforehand if they’re accepting Mastercard debit cards.

  371. Hi Ren, yes, they can remit or deposit directly to your account. It’s faster if they use a BDO remittance partner or a BDO correspondent bank.

  372. Another thing, Can somebody from outside the country deposit directly to my BDO account, just in case? Thanks again.

  373. Hi Nora,I just wanna know if I could use my ATM card from BDO with a Master Card logo to pay bills on the restaurant or bar or on shopping? Thanks in advance.

  374. Hi mary kris, there’s no swiping fee, but the peso to dollar exchange might be higher (more pesos for one dollar). For atm withdrawal, the fee is 3.50 US dollars per withdrawal. Balance inquiry costs 1 US dollar.

  375. Hello ms nora i just wanna ask about my kabayan atm since its ok to swipe and withdraw i am just wondering how much does it cost on swiping? Im in saudi arabia. thanks.

  376. hello,how much the minimum balance of bdo kabayan savings atm to withdraw here in saudi arabia?

  377. Hi yna.i just want to ask which bank here in malaysia that i can widraw some holding kabayan atm much is the charge by the way…thank you

  378. Hi, Im Rowena and It was my first time going to abroad,Bahrain.I have my BDO Kabayan savings and I started using it when I am still in the Philippines.It was working fine, now that I am here in Bahrain 6 months after having the card, I tried for the first time to remit and the transactions says it was successful according to the bdo teller. unfortunately upon checking my atm balance 2 days after the transaction, the atms nearby doesnt accept my card,it keeps saying technical problem or contact the bank, I went to two atm already, but still the same. will you please give me any possible reason for this or any hint that may have caused the failure.I called the bank already and they keep insisting that it go through my account.What shall I do, I asked for a refund if its possible coz I still have the receipt but they declined and says they dont do refund if the transaction is successful. Im hoping you could help me guys. Thank you.

  379. Hi 3js, there’s no BDO charge for online purchases. Are you sure your purchases had no additional charges like shipping, etc.? It now takes more pesos (maybe 48 or more) to buy a dollar, but you should still have a bigger balance. Call BDO: (International Access Code of the country where you are)-800-8-6318000

  380. hello. how much does BDO charge per transaction if I buy online? This was what happened. My balance was php65,806 then I purchased online a total of $1044 in 4 transactions, first transaction $522 (2nd)$505 (3rd) $7 (4rth) $8. When I tried to buy again online, I could no longer make a purchase, so I had my balance checked in pinas, and the remaining balance was only php242. How did that happen? Thanks.

  381. Hi Rhode, no, you don’t need to pay past charges. What you do is you make a balance inquiry asap via the atm, then withdraw all. There’ll be cents or a few pesos that will be left because you can’t withdraw cents or few pesos via the atm. When BDO deducts 300 pesos next week, the result becomes negative, and your account will automatically close.

  382. I used to have kabayan account and it is still active since i cam back home to the philippines for over a year now. there is 300 peso service charge monthly, if i request for the account to be closed, do i need to pay the previous months service charges since i am not able to maintain the required adb?

  383. Hi jerson, what I know is you cannot and that you need to request it in person at your BDO branch in the Phils with your IDs. And even if that’s possible, you still need to activate the atm card at a BDO machine in the Phils before you can use it. So you really need to wait when you take your vacation in the Phils. But You can call BDO or you can write your inquiry here:

  384. Ms. Nora it is possible to change our kabayan ATM card from Megalink to Mastercard through online banking and request a new atm send abroad. Thanks

  385. Hi ann krisha, does your Kabayan atm card have a Mastercard logo? If it has, your card verification number is the 3-digit number at the back of your atm card (to the right of your signature)

  386. hello, where can i see my card verification number? it’s kabayan savings

  387. Hi Belle, yes, but make sure it’s still a Kabayan account, meaning it’s still less than 12 months since you last remitted to it from abroad. And deposit 10,000 pesos and maintain it. If no longer Kabayan (meaning no more remittance from abroad), maintain 10,000 pesos in your account, so that you won’t be charged the 300-peso penalty.
    For easier maintenance, you can open a BDO atm-only account — it’s maintaining balance is only 2,000, and then withdraw your Kabayan balance, and let your Kabayan account close.

  388. Hi! I have BDO savings kabayan , im not working abroad anymore can i deposit some money here in philippines? Thanks for the reply soon

  389. Hi Jerson, there’s Bandar Seri Begawan, Brunei in the dropdown list. Check again.

  390. Hi Nora. I try to enroll the bdo online banking but when i select the country where i am there is no Brunei Darussalam in the country selection. WE cannot go through the process.



  391. Hello, I’m Jerson. I just want to ask if how can we check our Bdo kabayan account if all our remitance are already in our account. Both husband and wife working abroad and our ATM is only megalink logo and cannot use abroad.Please let me know how to check our account via online .we work here in Brunei Darussalam.

    Best Regards


  392. Hi Jerson, you can check your recent remittances here if you sent through BDO remittance partners: .
    This is how to enroll in BDO online banking while abroad. When enrolling, choose the option “Outside the Philippines”. Register the phone no. that you have there with you, either your international mobile number, or your Philippine mobile number with international roaming so that you can receive your One-Time-Password via SMS. Include country code and area code (if there is area code). No. of mobile phone digits, including country code/area code, should be between 11 to 15 digits.

  393. Hello, I’m Jerson. I just want to ask if how can we check our Bdo kabayan account if all our remitance are already in our account. Both husband and wife working abroad and our ATM is only megalink logo and cannot use abroad.Please let me know how to check our account via online .we work here in Brunei Darussalam. Best Regards Jerson

  394. Hi Jerry, the Visa debit card is given when you open a BDO atm-based account (request for Visa if you prefer it over Mastercard), so the maintaining balance is also 2000 pesos. The same with the Mastercard debit card.
    If you mean the BDO Visa prepaid card or money card, there’s no maintaining balance because it’s prepaid.

  395. Hi the debit local card from bdo requires 2000 pesos minimum balance. How about the debit visa card?

  396. is my account still kabayan savings even i only deposits cash inPhilippines, through my sister?since i only deposit once here in aborad…thanks

  397. Hi Adz, your sender can send through any Canadian bank, but the wire transfer fee is higher and the process takes a longer time.

  398. Hi Adz, yes, anyone, foreigner or Pinoy, can deposit into a Kabayan account. The name on the remittance must be exactly the same as the name in the account. Bank account no. should be correct. If the sender is abroad, he/she should send through a BDO remittance partner. Here’s a list of BDO remittance partners in Canada

  399. Bdo kabayan savings account deal with canada bank?

  400. Can a Canadian foreigner deposit into a bdo kabayan account?

  401. Hi Ninialyn, if your trading company accepts international debit cards, yes, your Kabayan Mastercard can be used. But if your company specifies only US-issued debit cards, then you can’t use your Kabayan Mastercard. You use your Mastercard’s 16-digit card no., expiry date and security code at the back of the atm card.

  402. Hi ChaeLyn, ask these BDO remittance partners in Malaysia if they’re offering assistance in opening a BDO Kabayan account:

  403. Hi April, do you mean 5,000 saudi riyals? Have you checked before through the atm and you saw that your balance was around 5k riyals? You should call BDO 800-863-0011 (toll free no. from Saudi landline). Or KSA’s International Access Code-800-8-6318000

  404. hi, just want to ask today I used my kabayan savings atm to al rajhi bank here in saudi. I withdraw a small amount only emergency,then I was surprised that my balance is already zero. I’m sure that I have 5000 sr saved in my account. I’m confused right now please help. thank u.

  405. gud evening, is there an accredited company here in Malaysia where I can open an ofw kabayan account? tnx po

  406. Can I use my Kabayan Debit Mastercard atm card to fund my online foreign exchange currency trading account carried abroad? If so, how to use it? Just like the credit card? Thanks.

  407. Hi Jp, when you get back, visit your BDO branch with your IDs and ask for a replacement of your atm card because you can no longer remember your PIN (PINs are not retrievable). You can track your remittances here:

  408. Hi good day, im using atm debit card with mastercard logo
    Ive already remmitted in my account but unfortunateley i forgot my pin, can i use it when i go back in the philippines?,thanks in advance,

  409. Hi alpfae, yes, visit your branch with your IDs and your atm card and request for a change to an atm card with Mastercard. About maintaining balance: The 300-peso penalty is applied on the last day of the 2nd consecutive month that your account is below the required maintaining balance. For example, you failed to maintain your account in Oct and in Nov, you will be charged 300 pesos on Nov 30.

  410. Can I convert my Debit Card into mastercard? Then if the remaining balance turns less than 10k, when does the below maintaining balance policy take effect?

  411. Hi Rodante, yes, if your atm card has a Mastercard logo, and if you withdraw at an atm linked to Mastercard, Maestro or Cirrus. Check also the maximum withdrawal limit of atms there. For BDO, the maximum limit per withdrawal is 10,000 pesos, and the maximum per day is 50,000 pesos. The charge is 3.50 US dollars per withdrawal. It’s good to make a balance inquiry first (1 US dollar) to check if the BDO-Mastercard connection is working.

  412. Hi! Im currently here in Saudi Arabia. Can I withdraw 100,000 pesos or 8,500 Saudi Riyals from any ATM machine here? My Kabayan savings account is sufficient. Thank you..

  413. Hi wendell, a Kabayan account does not require a maintaining balance as long as it receives at least one remittance from abroad every 12 months. It does not matter whether the remittance is online or through a remittance company, as long as the remittance comes from abroad. An online transfer from your brother’s BDO account to your Kabayan account is not considered a remittance from abroad. If it’s an online transfer from your brother’s Al Rajhi Bank or Bank Al Bilad account to your Kabayan account, that’s considered a remittance from abroad. Have 13 months passed, and your account has not received a remittance from abroad? Call BDO and ask if your Kabayan was already converted to a regular passbook account.

  414. Can I ask I dont understand about if no remittance abroad my card will be deactivated. I got my kabayan card because of my brother he’s in KSA if he had a transaction bdo online transfer using hisa acct. To mine is that considered as remitance abroad. Is my card will remain active?

  415. Hi Kay, yes, find a machine with Mastercard logo. Maximum withdrawal amount per transaction is 10,000 pesos, so compute the equivalent in your currency there. Consider also the maximum withdrawal amount of the atm there. To be sure, make a balance inquiry first. Fee is 1 US dollar. Withdrawal fee is around 3.50 US dollars.

  416. Hi, just want to know if i can use my BDO Kabayan Savings with Mastercard logo here in France? Thanks

  417. Hi Apol, yes, because your card is linked to Mastercard. Maximum limit is 25,000 pesos per day, if signature-based, and 100,000 pesos, if PIN-based.

  418. Can I swipe my card to buy some tablet here at best buy USA using my BDO Kabayan dollar with logo MASTER?

  419. Hi debbie, does your Kabayan card not have a Mastercard logo? If none, yes, if you’re in the Philippines, you can request for a Visa debit card. I think if you request for a change from Mastercard to Visa, you’ll pay a replacement card fee.

  420. Hello. is it possible to change my bdo kabayan debit card to a bdo visa debit card? Thanks

  421. Hi manuel, dormancy occurs after 24 months without any deposit or withdrawal. How much was in your account on the 13th month of your account? Is your Kabayan balance 10,000 pesos or more? If yes, don’t worry so much, you can reactivate your account in person when you get back with 2 valid photo IDs at your BDO branch. Your money is in your account. No penalties.
    If you had less than 10k, your money has been greatly reduced by below-balance penalties.

  422. may i know what is dormant account? bec my last transactions is almost 2 years now and some more months before i will go vacation, so my savings money will be close? i cannot take it back? what is the best thing to do? my family didnt receive any notice from the bank. thank you manuel ebuen from KSA

  423. Hi Raquel, is your account balance 10,000 pesos or more? If less than 10k, and you are sure, it has not yet been 12 months (360 days) that you have not remitted, remit asap, so your account type will still be Kabayan and it will not require a 10k-maintaining balance. Or add to your account to reach the 10k balance or more, so it will be safe from penalty even if it is converted to a regular passbook account. After 12 months of no foreign remittance, a Kabayan account will be converted into a regular passbook account, and will require a 10k-maintaining balance. Since you have 10k or more in your account, there’ll be no penalty. Just maintain the 10k balance. You can call BDO toll free: (International Access Code) +800-8-6318000

  424. Hi I want to ask I have bdo kabayan saving and almost 1 year I didn’t deposit and im so worried it has been closed and all my money and my saving are gone, so how many months before it is closed?

  425. Hi Joan, it’s possible to transfer through wire transfer if your BDO account is a dollar account and if you’re enrolled in BDO online banking. The charge is $35. There’s no limit of amount that can be transferred. You can also write your inquiry here:

  426. Hi, My questions is if I want to transfer money from my BDO Kabayan savings account to my dirhams account here in Dubai. It would be possible? and what is the procedure of transferring money? how much the charges? and what is the limit of transferring money per day.

  427. Hi Mae, thanks for replying to yan and for sharing helpful information

  428. Hi yan, yes, if you transfer money from Paypal to BDO, you will be charged 200 pesos. Other banks charge too, from 150 to 250. It’s Union Bank’s Eon Visa Debit card that does not charge if the amount withdrawn is 7,000 pesos or more, and the charge is 50 pesos, if less than 7000. But the transfer will take 5 to 7 days

  429. tanong ko nga po pala, pano ko ma update ang contact info ko sa bdo. kasi gusto ko magpadala sa family ko gamit ang bdo kabayan ko. i want them to pick up at cebuana. ngayon when i try to do that magsesend cla ng OTP or ung one time password na isesend nila sa mobile number. ang number ko kasi na nakaregister is philippine number kase nasa pinas pa ako nung inayos ko itong bdo online account ko. i updated my profile and change my philippine number to my taiwan number. ngayon eh kailangan ko parin tumwag sa kanila for confirmation, im trying to call them but i ouldnt reach them. is there anyway to confirm it? i really need to…. thank you po sa kung cno po makakasagot… salamat.

  430. Hi yan! feeling ko meron kasi when i transferred 594 from my paypal(earnings from youtube and other online sidelines), i only got 394 on my bdo account. so there was 200 deduction. so sobrang mahal. best thing is magtranfer ka lang kung marami kang iatransfer. ako kasi tinest ko lang kung nagwowork out ba ang paypal to bdo transfer.

  431. Hi! Is there an extra charge by BDO kabayan if I will be using it in Paypal. The hearsay is BDO is getting 200 extra charge in each transaction. Is this true?

  432. Hi Shai, yes, usually they issue the generic atm card. You can go to your BDO branch and request for a debit card with Mastercard logo. There could be a charge for the replacement card (maybe 100 or 150 pesos)

  433. Hi po, my bdo kabayan debit card has no visa/master card logo. Is it the bank’s prerogative on which type of card are they gonna release for each individual client. Or upon our request..I find it useless esp. Doing online transaction/ booking. Thank shai

  434. Hi mae, yes, your sender can access your account if you give your user name and password to your sender, and you also give your challenge questions and answers. For online fund transfers, you need to send the one-time-password (OTP) within 5 minutes, as the OTP is sent to your local mobile number.

  435. I applied for kabayan a while ago and got my passbook and was told to get my atm card after 1 week. If I apply for bdo online banking here in pinas, can my sender who is in austria access my account through online banking? My sender wants to monitor my bank account.

  436. Hi Hannelyn, if you’ll use atm activation, you need to activate at a BDO atm here in the Philippines; it’s not possible there in UAE because there’s no BDO atm there. When you enrolled, did you choose “Outside the Philippines” If not, wait for your activation deadline to pass, afterwhich your first enrollment will be cancelled, so you can then try enrolling again.

  437. Hi i just want to ask you regarding my bdo online banking, i already enrolled but still not yet activated. it is okay if i go any atm machine to activate my bdo account? Im here in UAE, it is possible?

  438. Hi Nora, Thank you for your prompt response. Yes please, it has a mastercard logo (Emirates NBD teller machine), The transaction is always failed, the details i have provided during the transactions are correct including Pin and the type of account.

  439. Hi Desiree, does the NBD machine has a Mastercard logo? The maximum atm withdrawal amount per transaction is 10,000 pesos or 803 UAE dirhams and the maximum atm withdrawal amount per day is 50,000 pesos or 4,016 dirhams.

  440. Hi, last night i was trying to withdraw here Dubai using my BDO Debit card (Mastercard)through an Emirates NBD machine, please let me know why we can’t withdraw. Do you know how much is the maximum amount we can withdraw per transaction and the maximum amount each day in UAE Dirhams currency? Looking forward to your immediate feedback. Thank you, Desiree

  441. Hi Kittykat, yes, you can apply for a BDO Kabayan Savings account even if you’re not an OFW, as long as you can present a receipt of a foreign remittance addressed to you.
    But I suggest that you open a BPI Easy Saver account (no maintaining balance, but has a 5-peso fee for every withdrawal and every balance inquiry), or a BPI Family atm savings account (maintaining balance is 1,000 pesos). Why BPI? So that your customers need not pay an interregional deposit fee when they deposit their payment to you. Most other banks charge interregional deposit fees that range from 50 to 200 pesos. You can post “Free deposit” or “No deposit fee” in your instructions to your customers.

  442. Hi faith, I sent you an email

  443. Hi nikkov, see if your card has an expiry date and a 3-digit security code at the back. If yes, you should be able to use it to pay your purchase. First, add your Visa card to your Paypal account. After your Visa card is already verified, you can use Paypal to pay your online purchase. At the point of payment using Paypal, Paypal will get funds from your Visa account. There will be charges, so make sure what you’re paying for is worth it.

  444. Hi need help, i’m here in the philippines, and i already open bdo atm visa debit card, can i used this to pay online using paypal. My transaction is in saudi.

  445. Hi i need help. Can i use my bdo atm visa debit card to pay for paypal online? will they accept?

  446. Hi Laurice, price depends on where the remittance comes from. If from KSA or UAE, the remittance fee ranges from 200 pesos to 800 pesos

  447. Im an ofw and my mother just opened an account with kabayan cash card? How much is the transmittal fee?

  448. Hi! I have an online shop and I need a deposit account in bdo with small maintaining balance. Can I apply for kabayan savings even if I am not an ofw? Please reply, thanks

  449. hello ms/mrs Nora. I just want to know if the benefactor of the BDO kabayan could withdraw everything in the account or just the amount I wish to send? I am confused between the remittance thing and the savings thing. also could the local atm be used also in depositing in the account or it just work for claiming purposes? thank you for your response!

  450. Hi Almira, yes, you can.

  451. Hi Nora for booking ticket can I use my ATM card kabayan saving master card logo thanks…

  452. Hi Almira, you can withdraw from an atm machine abroad with Mastercard logo. About paying shops or stores abroad, ask first the cashier if you can use your Mastercard debit card.

  453. Hi Almira, yes, you can.

  454. Hi I have BDO kabayan saving with logo mastercard, can I make online shopping and booking ticket?

  455. Hi Nora my atm card is kabayan saving have Mastercard logo can I use shoping for international and booking a ticket… Thanks

  456. Hi my atm card is BDO kabayan saving master card can be use any shoping in abroad..

  457. Hi kjcaissa, that’s BDO’s process, you wait for maybe a week. Check from time to time. Have your phone with you, as BDO sends your one-time password to your phone.

  458. Hi po, I registered for online banking and went to a bdo atm machine for validation. It was okay. The receipt says “Thank you for activating your electronic banking. Your request has been accepted for validation.” Now, I cannot yet access my online banking, the request is pending 🙁

  459. Hi Raymond, it’s more practical to use your own cash there for shopping. The exchange rate will surely be lower – it’s the Mastercard rate that will be applied. And usually there’s a foreign transaction charge.

  460. hi bdo how much is the exchange rate when i use my kabayan savings debit card for shopping here in saudi arabia.thank you

  461. Hi Marilene, yes, if your atm card has a Mastercard logo, and the atm machine there has a Mastercard logo, and you have changed your PIN here in the Phils. Balance inquiry costs 1 US dollar

  462. Hi im marilene. I just want to ask if i can use my atm kabayan savings to check my savings through any atm machines here in abu dhabi. THANKS FOR THE HELP.

  463. Hi norman, sorry I’m not a BDO employee. If you opened your Kabayan abroad, and have not activated your atm card in the Philippines, then your atm card will not yet work. If already activated in the Philippines before, call BDO Qatarcode-800-8-631-8000, or ask your inquiry here: Or if you have BDO online banking, and if you have a trustworthy friend/relative in the Philippines, you can use “Send Money for Pickup at BDO branch”, and ask that friend/relative to pick up the money and send the money immediately to your sister in HK through Moneygram or Western Union.

  464. dear BDO I’m in qatar. I sent money to my sister in hongkong thru BDO, but found out that her account is no longer active. so I again put the money to my account so I can withdraw and send it through another money transfer. but when i withdraw through my atm here in qatar and in other branches, i could no longer withdraw. I have verified from manila that my account is active and that the money I deposited was already credited. and my atm has logo master card and kabayan savings. any good advice from your office to withdraw the money for she need it badly. please

  465. Hi Butch, sad about that. But it should work. Try using this BDO Contact Page and request BDO to activate your Mastercard debit card for online shopping.

  466. i tried po thrice pero sabi ndi daw po valid ung card.

  467. Hi Butch, if your Kabayan ATM card has a Mastercard logo, an expiry date and a 3-digit security code at the back of the card, you can use it for online shopping.

  468. Hello po..can i use BDO kabayan Account as debit card for online shopping?

  469. Can i use my bdo kabayan debit card with mastercard logo to book for a flight? It has 16 digits and have pin at the back

  470. hi ivy, sorry no. You can reset only at a BDO atm in the Phils

  471. I forgot my atm pincode can i reset it here in kuwait?.

  472. Hi lani, sorry but you can activate your atm card only at a BDO atm here in the Philippines. Your Kabayan account and your atm card is one and the same account. You have only one account no. Your atm card should have a Mastercard logo, so you can use it abroad, after activation here in the Phils.

  473. Is kabayan savings the same with the debit card? How can I activate my card if I’m here in taiwan? Can I use my kabayan savings or card for international online shop? Thanks

  474. How can i activate my bdo card?im here in taiwan.can i use the kabayan card to purshase international onlineshop?

  475. Hi Nora,
    can i ask if how many days before i can receive bank money transfer from Egypt to BDO Philippines? thank you and GOD Bless!

  476. Hi sharifa, is your atm card with Mastercard logo? and did you activate it here where you were in the Phils? If yes, you can make a balance inquiry there at an atm with Mastercard logo. Since you say that you always deposit, then your account is active. The requirement is remitting money to your account from abroad at least once in 12 months. Besides, your balance is more than 10k, so your account complies with the 10k maintaining balance requirement. If your account is Kabayan, there’s no requirement of 25k deposit a year. You can ask here if you can inquire about your balance:

  477. sharifa sulma ismael

    hi ms good am! i have kabayan savings account i always deposit. but i don’t know how much all the money i have i want to know my balance in i want to know if still activated my last deposit oct/3/2014,and also i am not reaching the 25,000 pesos a year it is allowed? please i need reply in my email. thank you.

  478. Hi kent, there should be a separate 3-digit no. on your card’s back, right side. Try the last 3 digits (rightmost) of the 7 digits you see.

  479. Hello nora my kabayan card have 7 digits number at the back with mastercard logo,w/ expiry date..i can not find 3 digit code as u have said before .i want to try online shopping internationally..tnx

  480. Hi shirley, if your last transaction was June 2012, I think it’s no longer active since it’s been more than 2 years without any activity.

  481. shirley g. colandog

    Hi Ms Nora, about my KABAYAN SAVINGS, my initial dep0sit was on June 13, 2012. Is this account still activated? Thanks. Shirley

  482. my bdo account is in saudi riyal and the ticket is in peso price..tnx

  483. Hi Wensyl, is the ticket priced in US dollars? And your BDO account is in peso? If yes, the exchange rate for buying dollars is higher than if you sell your dollars. If you compute, do you think it’s indeed the reason for the discrepancy? By the way, for international transactions (the purchase is for an airline based or operating abroad), yes, you’re right, there could be a transaction fee. When I answered initially, I thought it was for an online booking with PAL or Cebu Pacific or others operating here.

  484. I inquired my balance here in saudi through maestro. Why is the charge so big, the excess so big beyond the price of the ticket? So I thought there’s a transaction fee. thanks

  485. Hi Wensyl, there’s no transaction fee.

  486. Hi angel, sorry, I have BDO accounts but I don’t work for BDO. I only write about BDO. The BDO people you’ve called should have told you outright that it’s not possible to send you a statement of account. This statement is requested in person at the branch. Did you try asking them your balance? There’s no BDO rep in Qatar, only BDO remittance partners. You can enroll your account online, but processing will take a few months. How to enroll in BDO online banking while abroad

  487. hi Ms. Nora I owned bdo kabayan card and used it for online booking, Im asking if there is transaction fee for it?

  488. Hello Ms. Nora. Just want to ask who the bdo representative is in Qatar? How can I request for my latest statement of account. I called my bdo branch and the main branch but they passed my line from one person to another. I spent and wasted so much load and time already but they couldn’t answer me. I haven’t enrolled online. Please help and advise. Thank you.

  489. Hi brix, if your atm card has a Mastercard logo, has an expiry date and has a 3-digit code at the back, yes, you can use it to purchase online.

  490. hi, is kabayan peso savings card is also debit card even there is no named debit card on my kabayan card? can i use it like debit card to international purchases online? glad u help me.. thanks.

  491. Hi Marlon, BDO says it’s 3.50 US dollars per withdrawal, so it must be regardless of the amount. Here in the Philippines, the maximum atm withdrawal limit per day is 50,000 pesos and the maximum amount per atm withdrawal is 10,000 pesos. So if the exchange rate is 1 dirham = 12 pesos, you can withdraw only up to 833 dirhams per withdrawal, and your withdrawal limit for the day is 4,166 dirhams. That means you will withdraw about 5 times to accumulate 4,166 dirhams, and you’ll pay a total withdrawal fee of 17.5 US dollars. Thanks a lot for appreciating my efforts. By the way, the per-withdrawal maximum limit of 10k starts on Feb 4, 2015; the current maximum is 25k.

  492. hi! Im marlon, all the comments and your answer exactly what im searching for, but one thing i really want to ask since this question they never ask, what is the minimum money i can withdraw in my account or Let say in the atm here in dubai? Let say i need to get 10k dirhams in my account is that possible? And the charges still 3 dollar? Ur help is appreciated.

  493. Hi Leah, yes, if your atm card has a Mastercard logo, you can use it to pay online. There are some though, specially those issued a long time ago, that can’t be used to pay online. If yours cannot be used, register your account in BDO online banking, then if your online seller uses DragonPay, pay using DragonPay (click DragonPay among the options and then BDO, and then you will be prompted to your BDO online banking).

  494. Hi mrs nora just wanna ask if i can use my bdo kabayan card to buy app on itunes? Hope you can answer this soon thank you miss nora leah

  495. HI shirley, yes, use it an atm with Mastercard logo. Charge for atm withdrawal is 3.50 US dollars. Note though that there are times the BDO-Mastercard link is off.

  496. Hi Nora, I have bdo kabayan savings account, can I use it to withdraw here in UAE?It has MasterCard logo.Thanks.

  497. Hi jane, if you were able to change your default PIN here in the Phils, and if your atm card has a Mastercard logo, then find an atm with Mastercard logo so you can withdraw. Charge is around US$3.50.

  498. can i used my kabayan savings account in korea if i need to widraw? tnx.

  499. Hi Janna, you can’t use your card abroad if it’s without Mastercard logo. Go to your branch and request for an atm card with Mastercard logo. Tell them you’re going abroad. You write well…

  500. Hi Ms. Nora, im not an ofw but my parents are. I use my bdo kabayan debit card to accept remittance coming from my parents who also have bdo kabayan cards but mine doesnt have the mastercard logo on it. If I go visit my parents abroad, can I still use the card for transactions there? If not because I don’t have the MasterCard logo on it, can I get a new card with the same account but with the MasterCard logo?

  501. Hi Ismael, is there an Al-Rajhi Bank in your area? You can ask if you can open a BDO Kabayan account through them. Al-Rajhi is a remittance partner of BDO. If you can open, you will later get a passbook and a debit card but you will have to activate this debit card when you vacation in the Phils. It can’t be activated in Saudi. But you can remit to your Kabayan account for your savings.

  502. Hi Ms. Nora. How can I apply BDO Debit Master Card here in Saudi Arabia. My Current Location is Jeddah Street, Al-Jubail City, Eastern Province.

  503. Hi norhan, you need just 100 pesos to open your Kabayan peso account. Bring your passport and any proof of being OFW (remittance receipt, OEC, etc.). Yes, it’s available at the POEA branch, and other branches. Change your PIN after getting your atm card, then enroll in Internet banking and activate it while in the Phils because you need to activate your Internet banking at a BDO atm machine here in the Phils.

  504. Hi ms Nora, how much is needed to open a kabayan BDO atm debit card? I’m having my vacation soon and hoping to get an atm before coming back here to saudi and that i can use it here to withdraw through atm. Is it available at the POEA BDO branch? Hoping for your response. Thanks in advance

  505. Hi Althea, upon opening, tell BDO you want an atm with Mastercard, as usually they give an atm without Mastercard. BDO PIN has 6 digits. I think atm machines are also programmed to accept PINs with 4 or more, maybe up to 10 digits, as BDO account owners have withdrawn at Mastercard-linked atms abroad.

  506. Hello I want to open a new account at bdo and i want it to use it abroad i will open with a mastercard network how many digits does a BPO pin have? 6? in europe, their atm have 4 pin digits only. Thank you

  507. Hi cha, have you changed your PIN before? Are you using your atm card here in the Phils? If yes, you can use it abroad at a machine with Mastercard logo.

  508. Hi Nora,

    I own one BDO Debit Card (w/ Mastercard logo). I am planning to use this while I am abroad. is there a need to activate my card? or I can use it directly? thanks much!

  509. Hi Ruth, yes, you can ask BDO for a card replacement, but you can do that only at your BDO branch when you vacation in the Phils.

  510. Hi Erle, do you mean the card goes out after you enter it? Or the screen says your card cannot be recognized? Do you think the card has been demagnetized? Or the BDO-Mastercard link is just off for a while? You can call BDO, or inquire here:

  511. Hi irene, sorry I think there’s no fastest way for transfer. You can register your account in BDO online banking, but it will take time since you’re abroad. Linking your beneficiary’s BDO account to your account will also take time. If your beneficiary in the Phils need the money, the fastest way might be to withdraw there (if your atm has Mastercard logo and if the Mastercard-BDO link is working) and then send the money through a remittance company there.

  512. Hi irene, yes, use an atm machine with Mastercard or Maestro logo. But there are times the BDO-Mastercard link is off, so make a balance inquiry first (1 US dollar charge).

  513. Hi ms nora, how can I register my beneficiary in pinas while im here in kuwait? I want to transfer my savings to my beneficiary. What’s the fastest way?pls help me..

  514. How can I withdraw my savings here in kuwait? I hold bdo kabayan ATM card,which is maestro and circus logos.only?

  515. Good day! I am based here in kuwait & i have with me the bdo debit card.i have used it before here then last week until now I tried to transact all atm machines decline my atm card though its still active & still fund on it. Please assist me it’s urgent. Thanks

  516. Hi, can BDO change my kabayan atm card because it has no MasterCard logo on it, I applied kabayan bdo a long time ago and since I tried to have my balance inquiry in kuwait it didn’t recognize because it doesn’t have a MasterCard logo on it.

  517. Hi Denise, yes, you can, specially SM supermarkets. If not SM, before you get goods, ask first the cashier if they accept BDO atm card swiping for payments.

  518. Hi Nora, Can I Use my BDO Kabayan Card to purchase goods in the supermarket? like instant cash?

  519. Hi Lance, I used to reply that you cannot use it, and many others agree. But there was one who commented here that she was able to use it to buy from a fashion site. If there’s Mastercard or Visa logo, expiration date and security code on your atm card, you can try. Or you can apply for a Smart Money card (go to for online purchases.

  520. Can I use my BDO kabayan card to purchase items in ebay??

  521. Hi Noel, find an atm machine with Mastercard/Maestro or Visa logo (same with logo on your card). Withdrawal fee is around 3.50 US dollars; balance inquiry fee is around 1 dollar. Note that there are times the BDO-Mastercard/Visa link is off.

  522. Hi Ms Nora

    Can I widraw cash using my BDO Kabayan Savings here at Saudi Arabia. My card is still active which I opened in the Philippines. How much is the charges? Thanks.


  523. Hi drenz, if the left column is Credit and the right column is Balance, that means your 120 SAR is already back in your account. I’m just puzzled that you were able to use your Kabayan account to purchase online. I think it’s better if you make a balance inquiry at a Mastercard-linked atm machine to check your balance.

  524. hi miss nora

    i purchased an item on an online store using kabayan account mastercard, and after 2 days the online store cancelled my purchase and refund my it automatically credited to my bdo account?

    here’s the transaction summary..

    13 August 2014
    Payment refunded to credit card -120.00 SAR 0.00 SAR
    13 August 2014
    Transfered amount from withdrawal account to non-withdrawal account
    120.00 SAR 120.00 SAR

    can you explain this mam.


  525. Hi Jordan, BDO’s atm savings accounts can be used to transfer money from Paypal. But they can’t be used for verifying Paypal. What’s best for Paypal is the UnionBank Eon visa debit card.

  526. May I know if there is BDO Kabayan ATM debit card with visa logo because I need this for me to claim my money in Paypal if there is how much is the cost.What I really need is a card with Visa logo.Hope you can answer me.Thanks.-Jordan,Caloocan City, Philippines

  527. Hi Mary, find a machine with the same logo on your atm card (Mastercard/Maestro or Visa) and try making a balance inquiry. Inquiry costs about 1 USD and withdrawal costs about 3.50 USD. There are times though that the BDO-Mastercard link is off.
    About enrolling other accounts into your online account, yes, it’s true that you need to be here in the Phils because after enrolling online, you’ll be given a code for validation, and validation can only be performed at a BDO atm machine in the Phils. There are bills that you can enroll easily without validation. You can explore your bills payment/merchants option

  528. Hi john, BDO requires you to apply for a replacement atm card because the BDO people have no way of knowing your lost atm PIN no. Yes, your account no. will still be the same and your money will still be there; only your atm card will change.

  529. Hi Ms Nora

    I am currently living and working in Singapore and I have my Kabayan ATM card with me.

    May I ask in case I make withdraw in Singapore using my BDO ATM how much is the charge per withdrawal and how much is the maximum account per withdrawal?

    Also as for my internet banking, I’d like to add some BDO bank account (other people) and other bank as well or company with billing arrangement but unfortunately I was informed before that I should applied it when I was in Philippines.
    May I ask is there anyway I can do this without going back to Philippines just for this issue?

    Appreciate you immediate reply please.

    Thank you very much


  530. maam ask ko lang po, i forgo po my kabayan atm password,any advice?is my money still be there if i ever change or get another card?thanks

  531. Hi Ever, if your atm card has a Mastercard logo, you might be able to withdraw at an atm with Mastercard or Maestro logo. There are times though that the Mastercard-BDO link is off.

  532. hi, ok ba yung kabayan saving account dito sa taiwan? may nakapag withdraw na ba dito or in taoyuan?

  533. Richele del Espiritu Santo

    Thanks Ms. Nora I already called the Toll Free Number here in UAE. They gave me a BDO Case #. I will follow up with in 2 banking days for Pin reset.

  534. Hi Richele, do you mean you forgot your online banking password and you lost your roaming SIM? Make your inquiry here or call 631-8000

  535. Richele del Espiritu Santo

    Good Day,

    I would like to know if there is any way I can access my online banking in BDO. I do have KABAYAN SAVINGS but i would like to know my saving details online. But, the problem is i lost my GLOBE Roaming number who happens to be registered as my contact number on my BDO Account. So when I am requesting to changed my PIN (Which I forgotten) the only way to recover it is to send retrieval code to my mobile to enter on their system. What will you suggest?

  536. Hi Mish, you know of course that it’s best to bring cash to cover all your expected expenses. And then you can use your debit cards for unexpected or extra expenses. You can use a BDO debit card with Mastercard or Visa logo, but sometimes the BDO-MC-Visa connection does not work. Bring also another bank’s Mastercard- or Visa-linked debit card. BPI requires its debit accountholders to notify them when cards are going to be used abroad.

  537. Hello!

    My family and I are planning to take a vacation in Singapore this July. We are not sure if we should bring cash or a debit card or a cash card. We don’t have either of the last two. Which brings me to my question. Which is the quickest way to access money while we are in Singapore?

    Debit card? Or cash card?

    Very confused and need advice asap.


  538. Hi Louie, sorry, the regular BDO debit cards cannot be used for online shopping, even if these have the Mastercard or Visa logo. Debit cards that can be used for online shopping are those that have expiry dates and security codes like the Union Bank Visa Eon debit card and the BPI EPrepaid Mastercard

  539. Hi Ken, BDO does not require permission/activation for use abroad. But based on comments online, the BDO-Mastercard-or-Visa-or-Cirrus connection does not always work abroad. So be ready with your backup source of cash abroad

  540. hi maam! i have BDO Debit Card with Mastercard Logo, can i used this card for online shopping, presently i’m here in qatar. thanks.

  541. Hi. Do we need to inform first BDO if we plan to use our debit card abroad? Like, do they need to “activate” first our account/card so that it can be used abroad?

  542. Hi misfitz, you might be able to withdraw at an atm there with the same logo as the logo on your atm card (either Mastercard or Visa). If there’s no logo, you cannot withdraw. But there are many times the BDO-Mastercard or Visa connection does not work.

  543. Hi, maam ask ku lbg if my bdo kabayan debit card nako san ako pweding mgwithdraw if sakali nasa manama, bahrain ako? Pwede po ba aku mgwithdraw dun? Thanx

  544. Hi Leilani, thanks a lot for sharing that important info. Will help others.

  545. I just want to emphasize to others that withdrawing money abroad from your ATM account is not reliable as mentioned in the article. I recently tried here in NJ to withdraw money from my account using a Mastercard/Maestro/cirrus ATM machine that was inside Bank of America, and it did not recognize the card.

  546. Hi Issa, call BDO (24-hour hotline: 631-8000) now while you’re here in the Phils and ask about your account status.

  547. Hi Nora,

    I’ll be travelling to hongkong tomorrow and I am a bit worried if I can use my BDO Kabayan account (with Master card logo)there incase I’ll use it any transaction (thru ATM or as a debit card). How will I know if my account is still registered as a kabayan account and was not changed to a regular account?

  548. Hi Jack, you can register Kabayan for the purpose of transferring Paypal money to Kabayan, but not Kabayan to Paypal. Did you register your Kabayan atm card as Mastercard credit card? The initial process may push through, but will not be completed. What I know is that only US bank accounts can fund Paypal. For other countries, it’s either Mastercard/Visa/Discover debit card/credit card.

  549. Ah thanks.. But I try to register my Kabayan card to Paypal and it accepted the only thing is when i try to order it seems i need to put money on my saving? Below the massage from Paypal and I don’t if things will be successful when I try to put money on my Kabayan savings.

    Invoice ID:
    May 25, 2014
    02:10:55 PDT

    Transfer from:
    MasterCard Credit Card XXXX-XXXX-XXXX-5859
    This transaction will appear on your bill as “PAYPAL *MY COM B V”.

  550. Hi Jack, you cannot use Kabayan to fund Paypal or for online shopping. It does not have an expiry date and a CVC code. You can get a BPI EPrepaid Mastercard or UnionBank Eon Visa debit card for online shopping or Paypal funding.

  551. HI. Tanong ko lang din po pwde bang gamitin ang BDO kabayan ATM debit card sa paypal account kung may savings naman sya. Gusto ko sana gamitin for online shoping.

  552. Hi. Pesos po at d po dinars. Buti n nga lng po naitabi ko ung mga remittance receipt ko. Salamat po.

  553. Hi Michelle, I hope you kept your remittance receipts. Did you mean you checked your balance at an atm there in Bahrain? Dinars ang lumalabas sa atms diyan? Hindi kaya 250 ang nakita mong balance sa atm diyan? Meaning that would be 250 dinars, which would equal about 29k pesos? Ask BDO if you can ask your balance amount here:
    Maintain 10k pesos or more in your Kabayan so that in case it’s converted to a regular passbook account, it does not incur a below-maintaining-balance penalty.

  554. Michelle Novicio

    Hi, tanong ko lang po nag open po ako s pinas ng acct. pero d po updated ung passbook ko. Gusto ko sana check yng balance ko hanngang nabasa ko dito n pwede ko p lng ma-check ang balance ko dito sa abroad. Dapat po ang balance ko ay 29,062 ng i check ko knina s hsbc 2,500 pesos n lng. Ano po kya ang nangyari sa iba kong pera. D nman po ajo nag withdraw dito. Hope to hear from you. Thanks

  555. Hi lucy, I observed that too, last year pa. I asked the BDO officer, and she was vague with her answer. I think BDO now issues only atm debit cards with Mastercard or Visa logo if the customer specifically asks for it before opening the account and by opening a regular savings account and by depositing a big initial deposit amount. I assume that they did this to save on maintenance costs.

  556. Hi! Recently, BDO has been releasing megalink-only kabayan debit cards.Ang problem dito, di rin sya magamit for POS terminals and even online payment kasi walang mastercard logo. tapos, sadyang hindi daw pwede gamitin as debit yun dahil kailangan may 15k maintaining balance. I don’t think this used to be the case with BDO eh. kaya nga sya debit card diba para magamit for transactions apart from atm withdrawals? Would you know of their new rules?

  557. Hi Ric, do you mean you’re going to pay online? Sorry you can’t use that card to pay online. Get a Smart Money card (BDO partner) or a GCash card. Go to a Smart store with your phone with Smart mobile no. and at least 120 pesos, your photo ID and your renewal payment. If your mobile no. is Globe, get a GCash card. Tell them you need the type of card that you can use online. Other options are Union Bank Eon Visa card and BPI EPrepaid Mastercard card.

  558. Mam, Ask ko lang po kung pwede ko magamit ang BDO ATM DEBIT CARD sa payment po sa renewal ng aking international certificate sa UK? Thank u po!

  559. Hi Camille, if the atm showed “Your online banking activation is successful” then your online banking should already be activated. Try logging in now. You will be asked to answer questions or fill in some blanks. Then you can explore most other features of your online banking. This means your online banking enrollment is successful. It’s great that you immediately enrolled in online banking.

  560. Hi!good evening!question..i received my BDO kabayan saving account this saturday and i changed the pin on same day.they said that i can use the atm on tuesday since its weekend.i also registered it thru online for electronic banking and activated thru atm machine the electronic banking activation the same day that i activated my atm card. The question is, can my electronic banking be activated even when initial atm card activation will be granted the other day?i was worried about this coz there is no bdo machines available abroad to activate my electronic banking..thank u

  561. Hi Jun, thanks a lot for sharing info. Are there extra charges for your purchases at military stores? Thanks.

  562. Hey guys…I enjoy my my ATM BDO Kabayan savings MasterCard herein abroad thru ATM withdrawal and swiped my purchases in military stores.. It’s so convenient.

  563. Hi me-an, usually naba-block ang atm after you’ve entered a wrong PIN 3 times, or when BDO wants you to appear at the bank. You can call BDO 631-8000 even at night.

  564. Hello ms amie! Magwwdraw sana ako this afternoon using my kabayan ATM card. I was disappointed to know that block daw ang card ko. I wonder why? 🙁 I tried to use other metro bank ATM machine, pero same response ng machine. What do you think is the reason? I wasn’t able to check it with the bank personnel anymore coz banking hours is over. Maybe I’ll try to ask tomorrow. 🙁

  565. Hi amie, ang maximum limit per withdrawal ay depende sa mga machines diyan, pero huwag ka lang lumampas ng 25k pesos per withdrawal at 50k pesos per day, and not more than 5 withdrawals per day. Mag-calculate ka na in taiwan dollars para alam mo yong i-enter mong numbers when you go to the atm.

  566. hi..ask ko lang po magkano ang withdrawal limit here in taiwan using my bdo debit card and sa mga 7-11 atm machine..thank you…

  567. Hi Dolly, I checked just now and the foreign transaction fee is 2% of peso amount. You can also check the back of your statement of account; usually the fee is written there. Yong exchange rate from taiwan dollars to peso ay depende rin sa Visa exchange rate on transaction date.

  568. Gudpm. Magkanu po kaya ang charge ng bdo visa credit card pag gnmit ko siya dto sa taiwan?thanks

  569. Hi noyjoreb, sorry hindi puedeng pang-online payment ang Kabayan card. Itong cards ang mga puede: Smart Money, GCash, Union Visa Eon, BPI EPrepaid, and other Visa or Mastercard debit cards na hindi primarily savings atm cards.

  570. hi ms nor, ask ko lng po kng puedi gmitin ang kabayan account with master card logo to purchase online like amazon and ebay? thanks in advance.. more power…

  571. hi ma’am, ask ko lng po. meron po kabayan account with mastercard logo. Puedi po ba ako mgpurchase sa or ebay using this account? thank you in advance.. have a nice day.

  572. Hi tanung k LNG po kng pwd k magamit ung bdo ATM ko dto Singapore it’s a saving account thank u po …

  573. Hi Guillermo, BDO officers usually advise that it should be you calling BDO because you’re the cardholder, but since you’re abroad, your wife can try calling BDO asap to ask about the new chip card info in your Jan statement. They might ask some personal data to verify identification. About your change of address, it might take them some time to change it, or did they ask you to submit proof of current address like a Meralco bill? You can email them, to follow up on your change of address request, attaching a scan of your proof of address.

  574. Guillermo Manalo Asi

    Good day!My wife had our January 26,2014 statement,with the enclosed information that “your BDO VISA GOLD Card has been replaced with a new Chip Card bearing 2018 expiry”, but unfortunately, up to now, she did not receive anything, only the February 26,2014 statement. Can my wife call the customer service to follow-up for this matter?? And also, we went to our branch in POEA last December 2013 when I had my vacation, to request for a change of our address, but up to now, the two statements for this 2014 still had the same old address. Thank you & God bless!!

  575. Hi Cris, the Swift code of BDO is BNORPHMM. BDO does not have sort code or routing code or IBAN (this is only for US banks). For bank-to-bank transfer using a BDO correspondent bank, what are needed are only your account name, bank name, bank branch, account no. and BDO swift code and your contact address and phone nos. If your employer uses a bank which is not a BDO correspondent bank, your employer’s bank will use a third bank to connect your employer’s bank to BDO. Here are BDO’s correspondent banks

  576. Good day! ask Ko Lang po for the requirement of my employer to send mo on my BDO Kabayan accnt. Hindi Ko rin po na enroll yung ATM Ko s internet
    Swift Code#
    Sort Code#


  577. Hi reymalin, bring your passport and another ID (Singaporean ID or SSS ID or voter’s ID). Bring your OEC if you have. Plus around 5 Singaporean dollars. In the Philippines, the initial deposit is 50 to 100 pesos.

  578. Hi po..
    I just want to ask po if anu yung mga requirements sa page open ng bdo account dto po sa Singapore?

  579. Hi Eric, the same as local limits, converted to the currency in the country where you are. Maximum limit per day is 50k pesos and only 5 atm withdrawals per day.

  580. How much is the withrawal limit for bdo abroad?

  581. Hi Janice, I thought you were asking about credit card. Whew! Yes, if it’s debit card, and you have successfully changed the PIN, it’s already activated. Call na lang BDO why it was not honored.

  582. D po ba automaticaly activated na yon pgka na change na yong pin number nya?

  583. Hi Janice, check mo na lang kung merong reason dito na possible sa situation mo: you have exceeded your credit limit, you have not paid your latest due, your card is expired, your card is damaged, your card is new and you did not activate it. Call BDO or use this BDO contact page:

  584. Hi gd am, ask ko lng po sana kng bkit DO NOT HONOR yong lumabas nong pinaswipe ko dto sa grocery store sa brunie yong bdo master caed ko? Ano po kayang problema non? Please help thank you.

  585. Hi good morning, ask ko lng po sana kung bakit DO NOT HONOR nkalagay sa bdo mastercard ko nong bumili ako ng groceries dto sa brunie samantlang sa bf ko ok nmn.. ano kayang posibleng dahilan??please help salamat

  586. Hi twinkletoe, sa abroad, you can withdraw/inquire balance at an atm machine with Mastercard or Visa logo, depende kung Mastercard or Visa ang logo sa atm card mo. Megalink is a Philippine network, so pang-local lang ang card kapag Megalink lang ang logo on the card.

  587. hi, tanong ko lang po, yung BDO ATM Debit Card ko po is my Megalink Logo. Saan na atm po ako pwedeng makapagcheck ng balance ko if wala po ako sa Philippines? Thank you in advance!

  588. Hi Ken, depende sa remittance company na pagpapadalhan. Merong within the hour; meron ding the same day, or next day. Pag holiday dito, at for deposit sa BDO, usually hindi available agad pag BDO account. Ask him to shop around doon kung anong remittance company ang mabilis doon.

  589. Ask ko Lang po sana ,pag nag deposit po ba ang asawa ko from Saudi Arabia sa aking kabayan savings accnt. Dto sa pinas at holiday po matatangap ko din po ba on the same day o kelan po matangap

  590. Ah hindi q din po ksi ma check sa passbook q ksi dla xa dto kaya hndi q alam kung bt my charge ng ganun kalaki? Im trying to call the customer service ng bdo pero hndi q po ma contact. Thankyou

  591. Hi aj, ang alam kong merong charge ay yong atm withdrawal, which is 3.5 US dollars. Atm balance inquiry ay 1 or 1.50 US dollars. Kung merong charge yong debit sa grocery, dapat 3.5 dollars lang, which is around 160 pesos lang, much less than 1000 pesos na nae-experience mo. Will get back if I see something

  592. Gud pm ask ko lng po if may instances po b na my charge ang pg swipe ng bdo kabayan savings sa mall like sa grocery? Im currently working here in riyadh and im wondering if why every time na ng checheck po aq ng balance 100sr po ung nbbwas? And its almost 1000pesos I hope you can clear this thankyou!

  593. Hi mae, are you referring to the BDO visa credit card? You can apply with your valid IDs, ITR, latest payslips, cert of employment and income or audited income statements. Landline phone no. is required.

  594. hi po..BDO Kabayan savings holder po ako, inquire ko po kung pwede ako mag apply ng visacard?

  595. Hi haydee, look for an atm machine with a Mastercard logo. withdrawal fee = $3.50. Note that sometimes the BDO-Mastercard link is off.

  596. Hi po! Ask ko lang po san ako pede magwithdraw dito sa dubai? Bdo kabayan savings mastercard gamit ko..thanks!

  597. Hi kae ann, puede lang for atm withdrawal and balance inquiry. Hindi puedeng deposit. Sometimes also, the BDO-Mastercard link does not work, so try some other time.

  598. Hi po. Just want to ask kung pwede ko po ba magamit sa qatar ang bdo atm debit card with mastercard logo for deposit and withraw cash?

  599. Hi Stella, you try entering your mobile no. sa Philippines, baka ayaw ang foreign phone code. At siguro naman, sinusulat mo yong 00 before your account no. By the way, activation of your ebanking registration is through a BDO machine in the Philippines. Hindi ko sure kung meron pa yong option na “I do not have current access to a BDO atm machine” during ebanking enrollment, in which case you’re going to print your acknowledgment page, sign it and then mail it by post to BDO Makati at Buendia-Paseo branch.

  600. Hello po… OFW po ako dito sa bansang Qatar.
    Gusto ko lang po itanong kung bakit laging error yong pag enroll ko sa ebanking bdo. nilalagay ko naman po mobile number ko d2 sa qatar tas yong card number sa face ng card ko tas yong account number pero ala pa din.
    Tagal ko na po itong tinatry pero di ako maka enroll sa site.

    No ba dapat?

  601. Hi Jasmine, yes, basta working yong BDO-Mastercard link at the time you’re withdrawing. Balance inquiry fee is US$1 or 1.50. Withdrawal fee is US$3.50.

  602. Magkaanu po ang pwde ko e widraw d2 sa ksa? Thank you&god bless!

  603. Hi po,ask ko lang,meron po ako BDO kabayan debit,pwde po ba ako mag widraw dito sa saudi arabia? May logo po mastercard,cirrus and megalenk..thank you po!

  604. Hi Wendy, meron bang Mastercard logo ang atm card mo? Look for an atm machine with Mastercard logo. Balance inquiry fee is US$1 to 1.50. Withdrawal fee is US$3.50. You can also track your remittance sa BDO Remit Inquiry sa

  605. Please. Im waiting for your reply. I need to know as soon as possible. Thank you

  606. I need to inquire my balance para alam ko kung pumasok nga yung dineposit ko dto sa can i inquire?

  607. Hi.ask ko lng po,kung saan bank ako pwede mg withdraw or check ng balance ko dto sa kuwait. ATM ko is BDO KABAYAN SAVINGS.ty. I’ll wait for your reply as soon as possible

  608. HI Don2x, you can withdraw there if your atm card has a Mastercard logo. Look for an atm machine with Mastercard logo. But take note that the BDO-Mastercard link does not work all the time. US$3.50 fee per withdrawal. The maximum atm withdrawal per day is 50,000 pesos; convert this to dirhams.

  609. Hi I’m still waiting for your reply regarding my question its very helpful po ang reply nyo…..


  610. Hi may tanong lang po ako makapag withdraw ba ditto sa UAE and ATM DBO kabayan saving card? kung puede po magkano naman ang maximum na ma withdraw ko in dirhams per day….

    thanks & Regards,

  611. Hi belinda, yes, puede. Malamang na-convert na yan into a regular passbook account, so maintain the 5k maintaining balance, so you will not incur a below-maintaining-balance penalty. If you have time, you can also ask your branch if your account is still a Kabayan or already a regular account.

  612. Good day!
    Ask ko lang po kung pedi pa din gamitin ang kabayan ATM kahit wla na sa abroad or wla na narerecv na remittance from abroad,, pero nasa maintaining balance…


  613. Hi judith, does your atm card have the Mastercard logo? I think there’s no outright fee, but Mastercard will gain income from the exchange rate. God bless din.

  614. judith marie balquin

    hi nor good day, just want to ask if how much would be the charge if i use my bdo kabayan atm debit card swipe to buy some items? is there any charges? i apply my bdo in the philippines but now im in qatar i use to swipe to buy item… thanks god bless

  615. Hi Taraki, did you activate your atm card in the Phils? Does it have a Mastercard logo? If yes, your family can deposit to your Kabayan account here, and then you can withdraw at a Mastercard-linked atm machine there. The charge is US$3.50 per withdrawal. The maximum amount will depend on the atm withdrawal policy there — how many riyals per withdrawal. For BDO, the maximum atm withdrawal per day is 50,000 pesos. But if the money is very important/for emergency, I think it’s better if they just send you the money through Western Union, because I cannot assure you that your atm withdrawal there using your BDO card will work all the time.

  616. Hi Naomi, if you like, you can ask a trusted person who’s coming to the Phils to bring home your atm card and then activate your online banking in the Phils. But there is of course risk in this process. And you’ll be solely responsible if this trusted person turns out to be not worth your trust. Or you can wait for your current online banking enrollment to expire, and then enroll again, and check if there’s still this option at the beginning of the enrollment process — “I don’t have access to a BDO atm machine.” If this option is still there, this means you can apply again, then print your acknowledgment page, sign it and then send by postal mail to BDO Buendia Paseo de Roxas branch, Gil Puyat Ave., Makati City, Phils

  617. Good day, can my family send money throuh my bdo atm kabayan, im here in saudi,and can i withdra the money here? What is the maximum amount of money that i my witdraw here in saudi? Thanks.. .

  618. Hello I’m here in singapore and I’m using debit card bdo . My concern is I enroll via bdo electronic banking and I need to activate by using activation code to bdo ATM . There is no bdo ATM here in singapore to activate my electronic banking. Please advice what am I supposed to do ?

  619. Hi Estrella, atm withdrawal fee abroad is US$3.50 per withdrawal. Maximum withdrawal amount per day is 50,000 pesos (around A$1,218). Here in the Phils, the maximum amount per withdrawal at BDO atms is 25,000 pesos; I’m not sure if you can withdraw the whole amount of A$1,218 there at one time.

  620. hi bdo..
    may i know how much can i withdraw for one transaction a day in an ATM there in Queensland Australia..Using my BDO Kabayan Savings MasterCard with Maestro/Cirrus Logos..and how much $ charges for ATM withdrawals and for valance inquiries..
    please help me…thanks

  621. HI jingoy, open a BDO Kabayan account at a BDO Remit partner there, like UAE EXchange or Al Ghurair. There’s one who commented here that Kabayan is no longer offered abroad, but I’m not sure if this is true for all BDO remittance partners. Just please check. By the way, sorry this is a personal blog and not operated by BDO, although we write often about BDO. God bless too.

  622. gudday bdo remit team ask ko lang dito ako sa dubai ngayon paano ako mapag open ng account ko para sa savings ko po …i need your reply imediately …thanks bdo team/….godbless…

  623. Hi sheila, do you mean another atm card of the same account? To replace a damaged or lost card? What I know is that you have to apply for another card in person.
    The atm card that BDO delivers to an address via a courier is the BDO Remit cash card, opened by someone abroad for the beneficiary in the Phils.

  624. i personally recieve my passbook and the atm debit card at the bdo bank, is it possible that the bank will send another atm card by mail? mom told me that she recieved an my atm card.

  625. ok. thank u so much for the info. God bless! 🙂

  626. Hi cielo, BDO’s maximum atm withdrawal limit per transaction is 25k pesos, so that would be around $568, depending on the current exchange rate. Max atm withdrawal limit per day is 50k pesos, and you can withdraw through the atm only 5 times per day.
    But maybe you can withdraw the whole 50k pesos at one time there since 50k is within the atm withdrawal limits there, but I’m not sure.

  627. Hi arlyn, what do you mean by “no chip on it”? Did you open this account abroad, and you have not validated it at BDO atm in the Phils.? If so, you cannot use it yet to withdraw. But if you have validated it already here, then you can use it at an atm that has a Mastercard logo. Note though that sometimes the BDO-Mastercard connection is off.

  628. hi. im here in USA. I just wanna ask how much is the the limit for widrawal per transaction when I widraw from my BDO Kabayan account ATM? thanks. 🙂

  629. By the way BDO kbayan savings account po ako thank you!

  630. Hi! i have kabayan savings acoount with mastercard logo, is it possible po ba to withdraw cash kahit no chip on it? Thanx in advance

  631. Hi ann, is the hsbc machine there linked to Mastercard or Visa (the same with the logo on your card)? If yes, puede. Balance inquiry is US$1 and withdrawal is $3.5. I’m not sure pero baka meron ding charge sa BDO diyan kasi branch din sa abroad yang BDO diyan.

  632. Hi amiel, if your atm card has a Mastercard or Visa logo, yes, you can use it there at a Mastercard or Visa-linked machine. Balance inquiry costs US$1 and withdrawal costs US$3.50

  633. hi..good day..
    i would like to ask if i can use(withdraw) my atm debit card – current account here in singapore..
    because this is my first time to use my bdo atm debit card – current account abroad..

  634. Hi… I just want to ask if my bdo kabayan savings ay pwedeng e inquire and withdraw money sa hsbc atm machine? And how much is the charge in every transactions? Im here in hongkong right nw at meju malau pu skin ung bdo branch.. thank u pu

  635. Hi elmer, you should be able to use it in Visa-linked shops and Visa-linked atm machines abroad. But before you travel, call BDO and ask if you need to notify them that you’ll be using your Visa debit card abroad. Atm withdrawal fee abroad is $3.50. Some people have commented here that there are times they weren’t able to withdraw, so don’t rely solely on your BDO Visa debit card for cash.

  636. Hi…tanung kulang po..I have a BDO ATM Debit Card with Visa Logo..pero may megalink sa back at express net…walang maestro/cirrus..pwedi kubang magamit for any transaction or withdraw from other country… especially in the US…..pls help me..thanks

  637. Hi kate, sorry you cannot use your Kabayan to buy goods online. It does not have an expiry date and a 3-digit security code. But you can use it at SM dept stores and supermarkets. For online purchasing, you can get a Smart Money or GCash card, or BPI ePrepaid Mastercard prepaid card or Union Bank Eon Visa Debit Card

  638. hi. i have a kabayan savings account. is this the same as debit card? can i use this to purchase items online?

  639. Hi Tommy, BDO says the charge is 3.50 US dollars per withdrawal

  640. Tommy rose eugerio

    I just want to ask how much will be deducted to my account whenever i withdraw form my bdo debit card if I am here in Doha, Qatar

  641. Hi Edgar, how long did this account not receive a foreign remittance? A Kabayan turns to a regular passbook with a 5k-maintaining balance without at least 1 foreign remittance in a year. The difference is nearly 1,200. The cents may be explained by interest. 1,200 would be four 300 pesos, which is the usual penalty for below-maintaining balance. But of course this is all assumption on my part. Visit your branch and ask. If you opened this account abroad, your branch is BDO Buendia-Paseo de Roxas. Hope you can share later on what happened, and thanks.

  642. ang gmit kung ATM is BDO KABAYAN SAVINGS now im here in the philippines im using this atm card since i was in jeddah saudi arabi. Now my question is nagkakaltas ba sila s atm khit may laman yung bdo atm card? i save 15,000 on this card then on my first withdrawal i took 3,000 after 1 week ngwithdraw ulit ako ng 3,000 and then ngulat ako kasi 7,801.30 yung natira sa balance ko na suppose to be ang matitira dapat e 9,000. Can someone explain for this issue?

  643. Hi Kitten, you should be able to use your debit card at Mastercard and Cirrus atms abroad, but based on comments on our blogs, there are times that the BDO-Mastercard link does not work, so don’t rely on it so much. You can enroll in Internet banking and then validate it, so you can track your balance online. You can also get a BPI EPrepaid Mastercard if you like, for backup, but it has a maximum balance limit of 50k.

  644. Hello good day. Thank you for putting up this information it’s such a great help.

    I will be traveling to The Netherlands, my question is, can I use my BDO ATM Debit Card there? It has MasterCard, Cirrus, ExpressNet, Megalink logos. If yes, do I have to enrol to online banking or can I use the card as is?

    Thank you for your response and have a great day.

  645. Hi glyne19, if your recipient withdraws from an atm machine in Qatar, the bills that will come out of the machine will be qatari riyals. So dapat alam ng recipient mo ang estimated riyal equivalent ng pinadala mo para yon ang i-input niya sa machine when withdrawing.

  646. Hi po..ask ko lang kung paano po ang palitan doon ng pera sa qatar kasi ngpadala ako ng pera thru kabayan bdo atm dito sa pilipinas in peso pagdating ba sa Qatar need pa ba niya ipa.convert ng pera or pwde na diritso xa mg.withdraw.

  647. Hi rosallymigallen, I think there’s no charge. I think BDO and Mastercard get payment for their service from the exchange rate.

  648. i used my bdo kabayan debit card to shop here in singapore,do i need to pay an extra charge?

  649. Hi Eugene, do you mean transferring money from your dollar account to your peso account via BDO Internet banking? Sorry no inter-currency transfer yet. Only peso to peso or dollar to dollar. You have to use the traditional steps of withdrawing, changing to peso, and depositing.

  650. Hi good day po sa inyo!

    I just have a quick question, I have 2 kabayan ATM, 1 is in PESO and 1 is in DOLLAR, the question is, would it be possible for me to transfer money from DOLLAR account to PESO account?

    thanks and hope to hear from you soon!

  651. Hi herlene, atm withdrawal is US$3.50 per withdrawal and $1 to $1.50 per balance inquiry. I hope you have other options because there are times that the BDO-Mastercard link does not work.

  652. herlene m bautista

    hi.. ask ko lng po mag kano ung charge kapag nag withdraw ng pera dito sa doha qatar gamit ang bdo kabayan.emergency lng po

  653. Hi jep, sorry but that is the only way — print and sign the form and send to BDO via postal mail. The other way — activating via a BDO atm machine — is doable only if you’re in the Philippines, as there are no BDO atm machines in UAE.

  654. hi i would like to ask you about enrollment of my mom acct to my account so i can easily transfer cash to im already in uae and i enroll the acct but need to sign some form so i need to send the sign form to BDO…any other way to do w/out this so i can easily transfer fund to her..thanks! jOSIE

    — Sir, can you answer this question? parehas kasi kami nang problema. thanks

  655. Hi Philip, sorry, that Megalink-only card cannot be used for POS payment or atm withdrawal abroad

  656. Hi Marilyn, you deposited within the right time period, so your remittance should be okay. It should be there credited in your Kabayan account. A Kabayan account is closed only after a year without any remittance from abroad and after the 5k maintaining balance is not maintained and there’s no balance to pay the maintaining balance penalty. If you’re still doubtful, you can call BDO (Intl. Access Code) +800-8-6318000

  657. Hi!

    Just want to ask if my BDO debit card with “megalink” tag only at the back, can be used abroad?

    Theres no mastercard, visa, cirrus or any other tag except megalink.

  658. Marilyn Bito-on

    Good day! I would like to ask similar to the questions of some OFW. It’s regarding with my BDO KABAYAN SAVINGS, actually I did not left both passbook & the ATM card in Philippines, I brought it here in UAE. My question is: Is it still (my account) active when in fact I started to deposit after 5-6 months from opening an account? What is the exact duration/validity date from opening? I only checked it through BDO REMITTANCE PAGE a day after I send money to my account and it was credited. I am just confused & doubtful because if hindi nakapasok sa account ko ung money na pinapadala ko, my money will put into trash, sayang ang pinaghirapan ko here abroad. Can I complain this matter to the BDO branch where I opened the said account?..I kept the receipts everytime I send money.

    Thank you!

  659. hi i would like to ask you about enrollment of my mom acct to my account so i can easily transfer cash to im already in uae and i enroll the acct but need to sign some form so i need to send the sign form to BDO…any other way to do w/out this so i can easily transfer fund to her..thanks! jOSIE

  660. Hi judie, try making a balance inquiry at an atm machine with the same Mastercard or Visa logo as that on your atm card. Sometimes the link works; sometimes it does not.

  661. Hi,gud aft. Ask q lang kungpwd ang peso debit card savings dito sa New is my first time pumunta here.

  662. Hi Ruby, yes, as long as your debit card is a personal account and not a restricted payroll account.

  663. Ruby Rose B. Ancheta

    ask kulang po pwede po ba ako mapadalhan ng pera Mula sa South Korea? ang Gamit ko pong atm is BDO Debit Card.

  664. Hi kristian, yes, if there’s a Mastercard logo on your Kabayan atm card and you’ll use a Mastercard-linked atm machine. But there are times the Mastercard-BDO link does not work, so you cannot withdraw.

  665. hi ask ko lang kong pwede dito sa abu dhabi mag withdraw ng kabayan atm card ko?thank you

  666. hi ilovemymom, thanks a lot for sharing your experience here. It will help others with the same concern. best regards

  667. Ive used my BDO kabayan atm to withdraw money when i travel abroad. The latest was in Canada 2days ago. It was very fast.

  668. Hi lydia, are you abroad? If you’re here in the Philippines, you can make a balance inquiry through your atm. Yes, it’s okay if your passbook is not updated. It’s understandable that you cannot update your passbook if you brought it abroad. BDO has another record of your transactions, and this one is always updated. Just keep your remittance receipts for comparison purposes. The next time you remit, try using the BDO Remit transaction inquiry at

  669. Thanks maam,its me again faith ..ok lng poh vah khit di na poh updated sa passbook..woooried lng po ako ksai kramihan sa mga kasamahan nmin ditoang sabi d daw po pumasok till di na aupdate..

  670. Hi faith, you can check online your balance if your account is enrolled in BDO Internet banking. Try to enroll your account in BDO internet banking: If you see this option: “I do not have access to an an ATM terminal” this means you can enroll while abroad.

  671. Hi poh c lydia ambol poh to ask qoh lng sna if pnu qoh mllman ang mga naihulog qoh na nkpasok na sa atm qoh…kc po dinala ko poh dito sa dubai ska ung passbook..pwd u poh ba akong mtulungan dito..nghuhulog po ako ng monthly..wla kasi po akong mapag iwanan nong umalis po ng manila…salamat po…

  672. Hi jun, do you have the Mastercard logo on your card? There should be no charges — I think they get their gain through the exchange rate.

  673. hi..what if i will use this card for groceries abroad? much will be the charge?..

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