Updated October 2015
Here are some updates on BDO bank rules for customers. Some are new; the others are reminders.
- Maximum amount of ATM withdrawal per day = 50,000 pesos
- Maximum number of ATM withdrawals per day = 5 times
- Minimum amount of ATM withdrawal per transaction at BDO ATMs = 200 pesos
- Maximum amount of ATM withdrawal per transaction at BDO ATMs = 10,000 pesos
- Fee for Withdrawal at the ATMs of other banks = 11 pesos
- Fee for balance inquiry at the ATMs of other banks = 2 pesos
- Withdrawal fee at MasterCard Cirrus and Visa Plus ATMs abroad = US$ 3.50
- Balance inquiry fee at MasterCard Cirrus and Visa Plus ATMs abroad = US$ 1.00
- Denied Transaction at MasterCard Cirrus and Visa Plus ATMs abroad = US$ 1.00
- Fee for not maintaining the Monthly Average Daily Balance = 300 pesos
- Maintaining balance for peso ATM accounts = 2,000 pesos
- Maintaining balance for peso passbook accounts with or without ATMs = 10,000 pesos
- Maintaining balance for SSS Pension accounts = 100 pesos
- If your account is a BDO Kabayan account, your required maintaining balance is zero, but you need to remit from abroad to your account at least once every 12 months. If you are not able to remit once, your account will become a regular passbook account, and you will be required to maintain 10,000 pesos (if peso account) or $500 (if dollar account). If you’re not able to maintain your account, you will be charged 300 pesos every month, until you’re able to maintain your account, or until your balance becomes zero or negative and will then be closed.
- When you open a new account, you need to:
– be physically present at the bank (not representative, not even family member)
– bring at least two valid photo IDs (original and clear photocopies)
– bring a recent 1 x 1 photo
Reloading BDO cash cards, based on personal experience:
– At BDO branches inside SM Malls, you can deposit to BDO Cash Cards only up to 6 pm. Each BDO branch also has a maximum limit on the total amount of cash card reloads. So it’s better to reload in the morning.
– If you’re depositing to more than one BDO Cash cards, you pay 25 pesos for the second deposit. If you don’t like to pay, fall in line again to deposit to the second Cash card.
– You’re not allowed to deposit to a BDO payroll cash card over-the-counter. The teller said it’s because it’s a company-issued cash card. This means you can no longer use the card for your own personal use if you leave your company. (Siempre that means bumili ka raw ng bago para sa sarili mo.)
But I checked if I can deposit to my payroll cash card online, and it worked. (Hope hindi nila i-disable ito. We find ways, di ba sabi ninyo, BDO?)
– If your account is ATM-based (no passbook), you pay 100 pesos if you withdraw at the counter. But if you have already withdrawn 50K from the ATM, and you need some more, you can withdraw over the counter for free.
About BDO account numbers:
BDO account numbers have been changed from 10 digits to 12 digits. But don’t worry, you don’t need to do anything about your accounts; BDO will make the needed changes in your records. You can still use your 10-digit numbers, but you’re encouraged to begin using the 12-digit when you’re depositing, although not yet required.
For peso savings and checking accounts: 00 is added before the 10-digit number.
For US dollar savings accounts: 10 is added before the 10-digit number.
For third-currency savings accounts: 30 is added before the 10-digit number.
BDO Kabayan Maintaining Balance
BPI, BDO, or Metrobank Fees — Why Keep Paying Them?
Savings Accounts in the Philippines with the Lowest Maintaining Balances
BDO Remittance from Australia — Money Transfer to the Philippines
Pwede po bang mapalitan yun checked ng asawa ko kasi nasa abroad sya BDO po yun checked nya..ako po sana ang magwithdraw sa BDO para makuha yun pera??
Hi! Is it possible to encash a BDO cheque in any BDO branches? Like across provinces, issued in Laguna and plan to encash in Quezon. And, wala po akong account sa BDO. My former employer/school issued a cheque and I plan to send it to me here in our province. Or, can a representative, like a colleague or sibling, encash it on my behalf? What’s the most convenient way to encash it? Please help po… Thank you!!!
Hi Airish, cash card ba or regular atm card? Tama ba yong pinindot mo na type of account? savings, checking, cash card. Kung tama naman, ask mo yong HR nio, or puede kang pumasok sa BDO branch at tanungin mo doon sa new accounts counter.
Hi, almost one month na po ng makuha ko ang bagong BDO Payroll card ko pero ngayon ko lang po ito mapapalitan ng PIN. Pero ang lumabas po sa ATM Machine ay “Your Cardis Invalid” ano po pwdeng gawin? Salamat.
hello po ask ko lng po if ok lng n nilagyan ng arcgitect yung cheque n issue s asawa ko kahit yung account name namin ay wala architect,thabks po on advance
Hi Gina, dati nong pinapalitan ng BDO ang mga ATM cards nila, puedeng mag-request sa ibang branch na ipadala sa branch na kung saan ka malapit. Subukan mong magtanong sa BDO branch na malapit sa yo dito sa Manila. Kung hindi puede, if you like, tanungin mo kung puede kang mag-open ng another BDO cash card, kahit sayang yong pinang-open mo doon sa province, kasi baka matagal ka pang makauwi.
Good day po. Nag apply po kasi ako for BDO Cash Card saa province namin last June 30. Pinapabalik po ako after one week para kunin. Pero nakabalik na po ako ng Manila noong July 2. Pwede ko pa po bang makuha iyong cash card anytime? kahit abutin ng ilang buwan. kasi mahirap po umuwi ngayon sa probinsya dahil sa pandemic.
May BDO ATM SAVINGS ACCOUNT po aq, kaya lang po di sinasadya nawithdrawed ng misis q lahat ng laman. kasama pati yong maintaining balance. Ano po ba ang possible na mangyari sa account ko?
Hi po nag pasuyo po ako na magpawithdraw sa banko kaso na wrong pin po sya ng 3 times at nablocked na mag reresume po b within 24hrs?o kaya pwede po kaya iover the counter na lang ?slamat po
Hi Anne, yes, ang alam ko, puede.
Puede po bang magdeposit sa bdo account na gamit para sa pension?
pwede po ba magamit ang philhealth ID, barangay clearance and police clearance for cheque encashment?
also, ano po ang requirements if gagawing regular bank account from payroll account (since resigned na ko sa dati kong work). & if maging regular account na sya, pwede na kayang maging enable na yung cheque deposit sa account ko? noong payroll account pa lang kasi yun ay nakadisable ang cheque deposit.
Goodevening po. If mag online transac po ako kunyare ngayonh 10:30 pm, ngayon na date lang din ba ang makalagay if papa update ko passbook?
Pwedi po ba makiusap sa bank manager na mareopen ang dormant account ko?Doon po pumapasok ang sahod ng asawa ko ..at wala na akong sapat na pero para mag reopen po another dollar account.Thank you
Mayroon pa rin po bang mga katanungan sa beneficiary ang bangko na pinanggalingan ng deposito ng namatay na at ng bangko na kung saan magwi-widthraw ng pera.
Magkano po ang limit na pwede I pasok sa account?
Pwede pa ba mag wuthdraw mr ko.mag gagawa nalang po ako ng autorized letter
Hi Pamela, sorry, hindi tinatanggap ang tseke na ideposit sa cash card, kasi ang cash card ay hindi regular deposit account, pang-cash lang talaga ang cash card.
May tseke po na ipapasok s cash card ng kapatid ko under her name pa rin nmn kaso galing ibang company.pde po kaya?
good ev po… tanong kulang, may nag diposit kasi sa account ko galing ibang bansa, ilang days bago ko ma widraw? tnx po….
Pwede po bang mapa in cash yung cheke sa ibang lugar pero same branch lang ng bdo ? Salamat po sa sasagot ?
Hello po…. Paano po ba ang process ng bank draft? I don’t have a BDO account po…. Please help me….
May typo error s receiversince pickup anywhere online ako nag send. D natanggap Ng receiver since Mali spelling. Pano ko mababago Yun online banking ako nagsend.
Anybody here need your response asap. Papasok po ba sa atm ko ang payroll pag decline hnd ko pa po kc napapaayos sa ngayon. Thanks po
Kapag po ba decline ang card possible po ba na may pumasok na refunded or makapagdeposit?
Hi po pwde po ba magtanong?
hi pano po kapag 11 digits lang yung bank account number? e 12 po yung need for online transfer.
Good day po, mag-oopen po sana ako ng bank account, sa proof of billing po ba kailangan nakapangalan sa akin for example po meralco.. eh nagrerent lang po kami
Hello ma’am maglalabas po ako money ng kapatid ko over the counter account name niya but nasa abroad po siya Wat po mga requirements ma’am tnx
Hi Richard, subukan mong magrequest sa Davao branch. Hindi ko rin sure kung nagbibigay sila ng statement for cash card kasi hindi ito regular account, pero magtanong ka lang sa branch diyan. Merong fee kung sakaling nagbibigay sila.
Ask ko lng po pwd po maka kuha ng bank statement sa cash card?? Ang agency po kc ng kuha ng cash card sa manila po pasig branch . Pwd po mka kuha dito da davai branch??
Nag avail po ako ng bdo cash card pwede po ba reloadan ito ng mother ko na nasa ibang bansa?
Nag punta po ako netong 26 ng april sabe ng bdo makukuha ko daw yung cash card ko after 5 days, makukuha kona po ba ngayon?
Tanong lang po
Paano po kaya mawiwithdraw yung laman ng bank account ng kapatid ko
Kahit patay na sya ?
Makukuha pa po ba yun ?
Good day po tnong me lng po dba po 10000 ang maintaining balance s savings acct kng hal po kinailangan ang pera at nakuha ung 10k n un ano po un automatic n makoclose agad ang acct o my palugit n ilang days bago maclose? Thank you
HI Nora, puede na yata ngayon basta naka-online ang branch. Merong interbranch charge.
Hi Katy, depende sa program ng company ninyo. Merong company na with payroll agreement sa bank, so papupuntahin kayo don sa specific BDO branch with your ID and open your payroll account. Walang initial deposit at maintaining balance. Meron ding company na walang agreement with a bank; kanya-kanyang open sa any bank. Kung ganito, merong initial deposit at you should maintain the required maintaining balance sa account. Yong atm account ng BDO requires 2k for maintaining balance. Dapat laging merong at least 2k sa account.
Pinapag open ako ng company ng BDO Account. Pwede ba na ako mismo yung mag oopen ng Payroll account?
pwede bang mag withdraw interbranch ang isang representative
Hi Meryem, yes, pero gawin mo nang maximum yong withdrawal amount mo kasi around 200 to 300 pesos ang charge per atm withdrawal. Mas magandang you withdraw at an atm inside a bank or infront of a bank, so you can ask the bank in case you encounter a problem.
Hi pouh tanong ko lng pouh, ung atm ko pouh galing sa Turkish sa asawa ko pouh un na Turkish national magagamit ko ba un dito my nka lagay naman pouh sa front na maestro at sa back cirrus????
Hi Jesus, palagay ko oo. Dati, hindi, pero ang alam ko nagawan na ng BDO ang remedyo para ma-accommodate yong mga hindi naglalagay ng 00.
Hi christine, yes, basta AND/OR ang names nio sa joint account. Kung passbook account, dapat dala mo ang passbook
hello po..pwede po ba na mag withdraw ang isang tao kahit naka joint lang sya ?
nakalimutan kopo lagyan ng 00 yung account number ng papadalhan nung nagdeposit ako papasok kaya sa account nya?Thanks
Hi Greta, ang maintaining balance requirement ng BDO for SSS pension accounts is 100 pesos, so dapat lagi kang mag-iiwan ng 100 pesos sa account. Last month ba, naka-maintain ka ng at least 100 pesos sa account? Palagay ko, meron naman silang grace period sa mga SSS pension accounts, so hindi pa iko-close. Sa next pension, mag-iwan ka ng at least 100 pesos sa account.
Hi Hally, if you still can correct it, correct it (add the two zeros), but if the transaction has already been done, like remittance, I hope BDO has already remedied this common problem. Call BDO if the transaction was not successful.
Hi po, I submitted my bank account for online transaction and failed to include the two zeros “00” , will it be an error transaction?
Goodam po.mam,di po ba mag kokoclose ung bdo sss pension ng tatay kong ung sa una,na widraw ko po pati balance last june 2018?
Tas ngayon po naccendente kong na widraw uli pero my 85 pesos balance magsasarado po ba un accoount?makakatanggap pa po ba ?
Hi Avegale, yes, ibabalik ng BDO within 5 days sa account mo. Pag wala pa, call BDO 631-8000. Sabihin ko lang na this is not BDO’s website; this is a blog.
Hello BDO, nagkamali ng bigay na numero yung kaibigan ko. Ang naibigay nya ay yung bank card number nya imbes na yung account number nya. naipadala ko yung pera sa bank card number nya. makukuha ko pa ba yun? Salamat.
Hi mam.gud am.puede b ako makahingi ng copy ng deposit slip.nawala kc un copy ko .last march 26,2019 lng ako nagdeposit.thanks
HELLO,ask ko lng po kung maaari po akong mag over the counter kahit BDO kabayan saving card lang po ang dala ko, naiwan ko po kac ang passbook ko sa UAE, nagamit ko pa ang card ko pero noong huli nag iinvalid na sya kailangan ko daw ng new card with EMV.. kung papalitan po ba pwede po ba any bdo branch?
ms. nora tanong ko lng po mapapalitan ba ng bagong kabayan savings card EMV ang luma kung card EMV? at any branch po ba ito?? at maaari po ba akong magover the counter na ATM card lang ang dala ko, naiwan ko po kac ang passbook sa UAE..salamat po
Gud pm po maam nora, may mga katanungan lang po ako..paano po ba mag online banking registered para hindi na po ako lalabas ng bahay..saan po yun na website niyo..kasi nasa akin ang passbook ko at atm ko at nandito ako sa riyadh ngayun actually first time ko pa kasi hindi ko pa nahuhulugan mula dito abroad pro doon po ako sa pinas nakapag open po..ngayung katapusan ng marso or first week of april huhulugan ko po..paano po ba send true online banking? Hopefully maam nora masasagot niyo po to..
Gud am, pwde po ba mang hingi ng copy ng deposit slip. Last april 2018 pa cia na transaction. Dko ksi mhanap ang copy nmin dko na send sa insurance company
May gusto lang po ako liwanagin.
Kasi po kakUha ko lng po ng bago kong cash card.taga aim global po ako.
Bali yong cash card na yan hindi ko talaga personal saving. Bali aim global company po nah iissue sa amin. Ngayon po. Chenek ko po ang balance 0.00 po. Eh ang pag kaka alam ko hindi mawawala per ko hanggat diko na wiwidraw.
nakalimotan ko po kasi pin ko nong una kaya kumuha ako ng panibago
Hi Vina, yes, puede na. Maganda yan, para mabilis kang makaipon. Active na yong account mo, so puede ka nang madeposit.
Pwede na po ba mag deposit kahit 1day pa lang kaka open mo ng account at di mo pa nakuha card mo?
Hi Ning, yes, dapat ngang i-update ng anak nio ang signatures. Next time niyang magdeposit, punta siya muna doon sa new accounts desk at i-request niyang i-update ang information at signature niya. Bring IDs and debit card or passbook.
Mam ask q lng po un anak q ay may junior account bdo kaya lng natapos na un requidered age nya inilipat na po sa saving account un pirma po ba nya dun pwede i update kc sobrang tagal na panay lng deposit nya d n nga nya tnda f pirma nya dun
God bless din, Joey.
Maraming salamat sa reply nyo miss nora..medyo napanatag ako sa paliwanag nyo..GOD BLESS PO.
Ho Joey, ang ibig mong sabihin sa “above minimum” is more than 2k pesos ang laman ng BDO ATM account mo? If yes, okay lang, basta huwag mo lang paabutin na 24 months na walang deposit o withdrawal. After 24 months na walang deposit o withdrawal, mado-dormant siya, hindi naman siya mawawala, ma-on-hold lang siya, until pumunta ka sa branch mo at i-present ang IDs mo to reactivate. Here are BDO remittance partners in KSA.
At ano po ang possible n mangyayari sa savings ko..mababawasan po b sya monthly..above minimum nman po sya ..
Hi…ask ko lang po kung anu pde ko gawin..kc 12 months k di nahulugan ang savings acount k sa bdo..(ATM po ako not passbook) sana po matulungan nyo ako. Nasa saudi ako ngayon.
Yung sender po kasi sa greece pa po opisina po ng greece nasa barko din po yung nagpadala hirap po ma contact ang greece
Hi Diana, puede pa ring mabago ng sending bank. Yong sender ay dapat pumunta doon sa kung saan siya nag-wire transfer at baguhin niya yong mali. Maaaring merong fee to change yong error, pero dapat puede.
Hello po ask ko lang po panu po pag may mali po at kulang sa name ko na nailagay ng nagpadala di po mpasok sa account ko hndi na rin po pwd mabago ng opisina na naghulog kasi po may wire transfere na
Hi Edz, hindi magagamit ng iba ang account number to withdraw from your passbook account. Kapag passbook account, nire-require ng bank na i-present ang passbook. Kapag atm ang account at walang passbook, pawiwidrohin nila sa ATM. Merong verification process bago nila pawidrohin over the counter ang atm-only account.
Hello po. Pwede po ba magwithdraw ng walang passbook gamit lang po ung account number ko? Accidentally ko po kz na send ung picture ng payment ko na my account number ko s online shopping? Maari po ba nila magamit ito?salamat po.ano po ang dapat kong gawin?
Hi Ms Nora, ask ko lang po nag open po ako ng BDO atm savings account lang po walang passbook. Pede po ba ako magwithdraw over the counter? May charge po ba yon? Magkano po? Thanks po
Kapag hindi mu na ba ma maintain yung 10,000 balance mu sa peso savings account my tendency ba ito na mag close account?
Hello po, bakit ayaw tanggapin ng BDO online registration and account number ng asawa ko. Ito ay BDO Kabayan Savings (peso) na may 10 digits number. “Invalid number” po ang lumalabas.
Hello po, ask ko po kung pwede ako mag over the counter cash withdrawal without my atm card? Hindi kasi naibigay ni mommy ko atm card ko before she left for HK. Thanks.
Hi Jhoe, malamang active pa yong payroll account ng misis mo kasi nakita pa ng teller online, at kung na-convert na into a regular account, malamang ang laman ay more than 2k pesos, kasi maintained siya up to now. Malamang deactivated na rin ang atm card kasi meron nang new EMV atm card ngayon, so your wife can go to the branch where she opened in 2013 with her IDs and ask to activate her account and ask for a new atm card. Tanungin na rin nia kung converted na into a regular account para yon na rin ang gamitin niya as her personal savings account.
Ask ko lng po paano malalaman kung may laman pa yung bdo payroll account. Kasi ng oppend ng account si misis nung 2013 sa bdo kabayan. Sbi ng teller may ibang account sya nakaoppen sa ibang branches. Maari bang malaman kung may laman yung dati nya account kasi.bka kasi dun hinulog ng dati nya employer yung back pay nya.
Good am po. Tanong ko lang po if sa bdo cash pick up anywhere po nagpadala ang sender, kung makikita ba yung location ng receiver kung saan nya kinuha ang pera ?
Hi Andrea, ideposit mo sa bank account niya. Kung wala siyang bank account, call his employer and ask them kung puedeng magbigay ng asawa mo ng authorization para gumawa sila ng new check in your name. Kung meron kang kilala sa bank, kahit rural bank, puedeng makiusap. Sa town namin sa province na kilala nila ang karamihan, puede.
Hi Mae, dapat naka-print na sa passbook ang 30k deposit mo. Baka lang nakalimutan ng teller na i-update yong passbook mo bago ibinigay sa iyo. Basta meron kang deposit slip na merong cashier marks, okay lang kasi meron kang proof of deposit. Meron kang deposit slip? Puede kang pumunta sa any branch ng BDO at ipa-update mo yong passbook mo, para ma-print sa passbook mo. Mag-enroll ka sa online banking and then mobile banking para ma-check mo ang account balance mo online or using BDO app.
Hi Roxane, yes, puede. Hindi kasama ang amount withdrawn over the counter sa daily withdrawal limit sa ATM.
pede pa po bang magwithdraw sa ATM kahit nung 12 hours ago nkapagwithdraw ka na thru counter..?
Ask ko lang po.nag-open po ako ng Passbook account 30k kasama na un 10k pag-open.pero non binigay na sakin un Passbook Wala sa loob un halaga binigay ko 30k. Panu po un mailalagay sa Passbook? Sa sunod ko po bang pagbayad malalagay na un sa Passbook?
Hi po ask ko lang . Paanu ko po kaya mapapalitan ang back pay check ng asawa ko . Ang asawa ko po kc ay nasa abroad na. Nakapangalan po sa kanya ung cheque . Anu po mga kailangan gawin ..salamat po
Hi Dante, mas magandang mag-open ka ng sarili mong cash card. A few years ago when I tried depositing to my payroll cash card, hindi raw puede kasi company cash card daw. Madali ka lang mag-open basta meron kang ID at 150 to 200 pesos. Ang gawin mo para hindi ka gagasto ng over-the-counter deposit fee na around 15 pesos ay magdeposit ka sa Cash Accept Machine. Note din na merong 2 pesos charge per atm withdrawal. Merong charge kasi walang maintaining balance requirement. Kung gusto mong merong online banking pero wala ring maintaining balance requirement, merong BPI Kaya account.
BDO Cash Card ko issued ng past company for payroll. Maari ko bang gamitin ang cash card ko gor my personal use or panu po gagawin para maging personal cash card ko na. Thanks
Hi ethel, around one month ang clearing ng US dollar check, based sa experiences ng mga nagdedeposit ng dollar check.
hi, ask ko lang po if how many days ang clearing ng dollar cash deposit??nov. 12 po nadeposit ung dollar n cash..until now, di p rin mawithdraw. exactly 11working days as of now excluding sat and sundays.
Hello, Ms. Nora itatanong ko po kasi last Oct. na-withdraw ko yung 10k maintaining balance ng peso savings account(ATM), then until now Nov. hindi parin po ako nakapag-deposit pag check ko po sa online banking naka inactive na yung account. Paano ko po ia-activate yung account? maa-activate ko pa po ba? Thanks you po in advance.
Hi maam. What if we’ll come up to this situation. Mayroon akong 2k na balance sa BDO, November 21 magwiwithdraw ako ng 1.5k, so 500 na lang balance ko. Sa December 10, magdedeposit ako ng 1.5k to make it 2k again. Question is, may penalty po ba pag ganyan? Thank youuu.
Question lang po. May passbook account ako sa BDO at 4 months nang hindi nagagalaw meaning walang deposit or withdrawal na naganap pero may laman siyang 50k. May penalty pa yun?
Hi Song, hindi magko-close ang account kung merong matira na balance. Ang automatic closure ay yong kapag zero or negative balance. Dapat next month, ma-maintain mo ang account mo para maiwasan ang penalty. Merong penalty kapag below-maintaining-balance for 2 consecutive months
Hi Michael, dapat merong maiwan na kahit piso doon sa account para hindi automatic na mag-close. Kung last month ay every day merong at least 2k sa account mo, puedeng lower than maintaining balance ang account mo this month, pero dapat next month, strictly na dapat maintained ang account mo, kasi below-maintaining-balance for 2 consecutive months ang merong penalty.
Hi mrs nora tanung ko lang po kung babawasan ko yun 2000 na maintain balance ko sa bdo tapos ibabalik ko din after 3 days may charges po ba yun?
Hi nora 2k kasi ang maintaing bal dapat ng atm pede ko bang i widraw kahit 1k lang ang itira ko di ba mag close ung accoount?
hi miss nora. ask ko lng po if ung cheke is s partner ko nkpngalan then hnd sya pwde pero may authorized letter ok po b un?
hi i have bdo atm debit card nag 0.0 balance po siya nung oct 30 and ngayon po nagpadala po yung father ko ng enough money to sustain yung maintining balance mej late. Pwede ko pa po ba mawitdraw yun? Sabi po kasi nila pag nag zero yung balance. Nakaclose na daw.
Hi Tiz, walang daily limit kapag over the counter, pero kapag several million pesos, some branches need prior notification. At kung foreign currency, like more than 1k US dollars, some branches gusto nila tatawag ka the day before at magpa-reserve ka ng dollars.
Hi April, yes, pero merong interbranch over-the-counter withdrawal fee na around 100 pesos. Bring your ID
Pwd po bang mag withdraw gamit ang withdrawal slip and passbook sa ibang branch ng bdo slamat po sa reply
Hi Nora. How much ang maximum na ma withdraw over the counter every day?
Kung sss disability pensioner. Tapos nawithdraw po kahit yung 100 pesos na maintaning balance. Bdo account po. Kailangan po bang mag apply ulit sa sss?
Mam pwede po ba gamitin ang tin riciep at nbi bilang valid I’d para pa on chass ng tseke
Hi aries, kung walang nakalagay sa tseke na “Valid until___,” usually 6 months ang validity ng tseke sa Philippines. Kumuha ka ng barangay cert — usually meron nang photo (kinukuhanan ka using webcam nila), para meron kang dagdag na identification. Punta ka doon sa bank branch na nasa tseke at ipresent mo yang NBI, police clearance at barangay cert, baka lang okay na sa kanila. Pag ayaw, tanungin mo kung puede yong digitized postal ID. Kung okay, mag-apply ka na ng digitized postal ID (around 500 pesos siguro) gamit ang barangay cert mo.
sir/mam.. tanong ko lang po kung pwd nbi at police lang gamitin valid id para magencash ng tseke, xpired po kasi id o nawala dn po. kapag kumuha ng bago 2weeks or month makuwa id. kailangan na po mapalit.at hanggang kailan validity ng tseke?sana po masagot agad salamat po..
Hi Maricar, puede, pero dapat i-fill-up mo yong BDO withdrawal slip at pirmahan mo at yon ang i-present ng kapati mo for withdrawal. Dapat ang signature mo sa withdrawal slip ay exactly the same as yong nasa BDO files. Puede kayong gumamit ng registered mail. Pero meron pa ring possibility na hahanapin nila yong atm card para ipakita ng kapatid mo.
Regular atm account ba yong account mo? Meaning 2k pesos yong maintaining balance? And more than 2k yong back pay mo? Kasi puede namang iwidro mo na lang pagbalik mo sa Phils, huwag lang umabot ng 10 years.
Hi po .. ask ko Lang po kung pwede ang mag over the counter para Sa akin ya kapatid ko ? Nandito Kasi ako Sa amerika . Nakatanggap ako ng backpay Sa agency ko noon at yung atm eh binalik ko po Sa agency ko ngayon pinasok nila yung backpay ko Sa no. Nayun Kasi kailangan mag over the counter , pwede kaya kapatid ko ? Lahat ng id ko na sakanya
Pwde bang hindi iwidraw lahat ng laman ng cashcard?
Hi po pwede po mag tanung kumuha po ksi ako ng backpay sa dati ko work now paano po ipapalit yun ano po kailangan salamat po.
Hi jhe, yes, puede nilang ideposit ang cheke mo sa account mo. Meron lang mga BDO accounts na hindi nag-a-accept ng check deposit, kagaya ng some payroll accounts, some Kabayan accounts (usually yong mga opened abroad at kulang ang IDs na napresent). Pero kahit ganito ang account mo, ideposit pa rin nila kasi baka okay-for-check-deposit ang account mo.
hi ask lng may dumating kasi checke sakin sa pinas kaso nasa ibang bansa ako pwd ba ihulog nlng sa bdo account ko kasi may expiration ung checke salamat sa sasagot.
Hi Jenny, yes, since hindi pa issued ang atm card mo, mag-over-the-counter withdrawal ka sa branch mo. Kapag malayong lugar ang branch mo at merong malapit, try to ask that branch, kasi minsan depende sa branch at yong online connection nila. Bring your IDs.
Hi po mam nora ask ko po kung pwede po ba mag on the counter kapag hindi pa po naibibigay ang atm card. Nung monday po ako nag apply sa monday po ako pinapabalik sa bdo para po sa card. Kung pwede po mag over the counter kailangan po ba sa branch lang po na inapplyan ko? Thanks po. Godbless
Hi Lindsay, yes, puede, bring your IDs. Mas sure kung doon sa branch mo. Kung walang passbook ang account mo, merong 100-peso charge pag magwidro over the counter.
Pwd ba akong mag withdraw over the counter kahit wala pa yung atm card ko pero may pinadala na kasing pera sa account ko but hindi pa lumalabas yung atm ko. Nung august 31 pa hinulog yung pera pumasok na daw sabi nung nagpadala don.
Hi Richie, yes, puedeng mag-deposit ng kahit sino sa account mo kahit wala silang hawak na passbook or atm card. Ibigay mo lang yong account number mo. I-fill up nila yong BDO deposit slip at mag-deposit over the counter.
Hi Shela, malamang active pa ang Kabayan account mo kasi wala pa namang 12 months since you opened it. Maganda kung makapag-remit ka na asap to your Kabayan account para Kabayan pa rin siya at para active siya at para maka-save ka.
Hello po,tanong ko lang sana kung hndi ba magsasara ung pasbook account ko in bdo khit na hndi pa ako nkapag diposit.nag open kasi ako ng aacount sa bdo nong january 20 2018.simula january 20 2018 hanggang ngayon di pa ako nkapag deposit.mg 7 months nko dto sa dubai.
Ask ko lng po sana kung pwede magdeposit ng pera sa savings account ko young kapatid ko kahit wala yung passbook or ATM ko since nasa akin ang mga ito at malayo ako sa kanila? Nagalaw ko po kase young maintaining balance ko nagkamali ako at napasobra ang transfer ko ng pera at nabawasan yung maintaining balance ko eh gusto ko sana pahulugan sa kapatid ko para ma maintain yung balance ko. Pwede po ba ton kahit andito sakin mga passbook at ATM ko? Ano po pede ko gawin? Salamat po
hello po ..pwede pa po ba maiopen acct ung closed account na savings ko?
Hi Reg, nag-zero ba as in 0.00 ang balance? If yes, malamang closed na ang savings account mo. Pero kung naa-access mo pa ang BDO online banking mo, then active pa. Try making a balance inquiry at an atm. Kapag closed na, open a new account asap.
Meron dito instructions sa BDO website on how to manage your BDO Nomura account, including kung paano ka magwidro sa Nomura mo.
Ask ko lang po kasi nag nag bbdo nomura po ako which is a stock broker by bdo. Then accidentally na nalagay ko lhat ng laman ng savings account ko po dun. Then hindi ko mabalik sa savings account ko. Mag cclose po ba ung bdo savings account ko. August 15 2018 ko palang naman na zero ung balance ko. Automatic po ba macclose un?
Good day..ask ko lang if incase new applicant pa lang at nkapagdepoait na but wala pa nahawakan na atm card…pwede pa rin ba mkapag withdraw over the counter.thanks marie joie here
Hi dar, hindi ka rin ba nagwidro within those years? Dahil more than 2 years nang walang activity ang account mo, na-dormant ang account mo, pero it’s not a big problem. Punta ka lang sa branch mo with your IDs and reactivate your account. Dapat walang mga deductions, kasi you maintained more than 10k in your account.
hi ms. nora.. ask ko lng po paano po kung 2yrs ako wlang remitanc sa kabayan saving account ko pero ang maintaining balance ko is above s requird n 10k dahil maconvert na un sa saving account di po b? magkakaproblema ba ko kung sakali gustuhin ko magwidraw? hindi ko pa kasi un napapaupdate sa pilipinas ngayon palang sana sa paguwi ko.
Hi Jenny, kung ipinadala mo sa account ng ibang tao at na-deposit na, sorry, hindi mo na mabawi kasi na-credit na. Pera na nang account owner yong remittance mo.
Hi po pwd po bang mabawi ung nadiposit kuna kc hanggang ngaun hindi prin nkuha sa bdo bdo po.
Pwede ba na ako ang kumuha ng atm ng kapatid ko kapag may authorizatiom letter?
Ask ko lang nakawithdraw na kc ako max limit kanina but need ko pa sana mgwithdraw,pde ba over the counter nalang? My charge ba un? Thanks
Hi sarah, yes, puedeng depositohan ng iba ang cash card mo. Walang account number ang cash card, kaya ang ibibigay mong number sa magdedeposit ay yong 16 digits na nasa cash card mo. Kapag over the counter, merong 15 pesos na deposit fee. Kapag sa cash accept machine, libre. Magpa-assist lang sa roving teller.
hi ask ko lang pwedi ba deposetohan ang cash card ko ng iba at pwedi po bang pumasok ang pera using ung card number ng carsh card kc nakalimutan ko caah card account number ko ano po ba pwedi kung gawin
Hi Carlos, yes, puede pa. I-encash mo na today kasi mag-6 months na siya around Aug 16 to 18. Sa Philippines, 6 months ang validity ng checks, except lang kung merong nakaprint na expiry date (usually SSS checks).
Hi ask ko lng po. I have check dated Feb.18,2018 and paid to Cash. Nawala po kasi ito at recently ko lang nahanap. Can i encash it pa po ba?
Hi Jean, malamang hindi, kasi karamihan ng BDO payroll accounts ay merong tag na “Not valid for check deposit”. Pero try mo pa rin i-deposit kung puede sa iyong account.
Hi,pwede ko po bang ideposit sa payroll account ko ang check? Kasi I don’t have any valid ids yet eh
Hi Ely, oo ang alam ko hindi tinatanggap ng BDO ang SPA para mareactivate ang dormant account. Pero dahil andiyan na yong SPA, subukan ng authorized representative mo kung papayag sila. Anyway, kung above maintaining balance naman ang account mo, safe naman yong balance, hindi mababawasan, ma-hohold lang siya. And it’s good na nilimitahan na ng Central Bank ang dormancy penalty to only 30 pesos per month for those below maintaining balance, at after 5 years pa bago merong penalty.
Hi Les, yes, your husband can send euro to your atm account. Yes, it will be automatically converted to pesos. Usually it gets credited the next day. Yes, you can withdraw over the counter. Show your ID and your atm card. I’m not sure if this is still their rule, but when I tried withdrawing a big amount before, they asked me to withdraw first what I can withdraw from the atm (up to 50k, but I will have to make 5 withdrawals because the limit per withdrawal is 10k pesos), and then withdraw the rest over the counter — with this way, there will be no charge. But if you want to withdraw the full amount over the counter, the fee will be 100 pesos.
Hi Ms. Nora,
May I ask po if my husband can transfer euro to my bdo savings account(atm only)?
Will it be converted automatically to peso?
And how long po before mag reflect sa account ko yung amount that he will tranfer?
And I would need to withdraw more than 50,000php, can I do it over the counter instead? With no charge?
Hello po.na dormant po BDO ACCOUNT KO.nagpagawa po ako ng SPA na may red ribbon para mareactivate ng trusted person ko.Tinatangap po ba ang SPA (with red ribbon) SA Bdo?naisend ko na po kasi pero may nagsabi di daw pala allowed.
Hi Aira, ang maintaining balance ng regular atm account ng BDO is 2k pesos. Parang pension lang yata ang puede sa BDO na walang maintaining-balance requirement. Kung meron kang letter of introduction from SSS, palagay ko mas receptive ang China Bank, PSBank at CTBC, based sa mga online comments. Yong EastWest bank, meron silang Basic account at 100 pesos lang ang opening and maintaining, pero you need to bring proof of income like ITR or cert of employment. Kung meron kang UMID, puede mo rin yang gamiting as atm, pero pa-validate mo muna sa mga Union Bank kiosks sa SSS East Avenue, Pioneer, Buendia or Manila.
Hi tanong ko lang magkano pa open ng single account para sa SSS Maternity Benefit? Thankyou
Hi Abby, yes, puedeng mag-deposit sa Kabayan account ng papa mo over the counter or machine deposit sa BDO branch dito sa Philippines
Hi tanong ko lang kung pwede mag deposit ng pera sa account ng papa ko kabayan kahit nasa pilipinas lang ako?
Pwede po b na mag deposit sa passbook ko at any branch ng bdo..?
Hi Clarisse, puede mong makuha ang new atm card ng asawa mo. Kung BDO Kabayan ang atm niya, basahin mo yong instructions sa OFW dito: BDO EMV card for OFWs. Kung regular atm at hindi Kabayan, basahin mo ito, yong number 5: BDO EMN for non-Kabayan . Kung nakapirma ang asawa mo sa authorized representative portion ng BDO withdrawal slip, at dala mo ang passbook, puede kang makawidro.
Hi itatanong ko lang sana pwede ko bang iwithdraw yung pera na nasa atm ng asawa ko pero may authorization letter nya nasa barko kasi sya..nagkamali kasi ng trasfer ung kapatid ko dun na transfer sa asawa ko kaso nga yunga atm ng asawa ko ung luma na pls pakisagt po salamat
Hi Raymund, malamang hindi, kasi hindi exactly matched sa name sa IDs mo. Pero try mo lang. Tell your sender to go back to where he remitted the money and make an amendment to add the letter.
Hi Jen, yes, puede mong dagdagan ng zero sa start. Pero kahit hindi mo dagdagan, merong mga tellers na tatanggapin ang deposit mo; yong iba naman ay ipapasulat sa iyo.
Hi lynne, yes, puede. Pero itinatawag muna ng company sa BDO branch, para ma-ready na ng branch ang pera at magawa na ang any reporting that needs to be done.
makakawithdraw po ba sa bdo ang company ng 10 million over the counter? o my limit po?
Hi Ms Nora my account no is only 11 digits do I need to add 0 when I need to deposit? Thank you
Ma’am Nora paano po kapag kulang ng isang letter sa last name makukuha ko parin po ba
Hi Atan, pumunta ka lang sa any BDO branch at i-present mo yong passbook mo sa teller at magsabi ng something like “puede pong pa-update?”
paano po maupdate yung sa passbook ko,? sa atm po kasi ako nagdeposit ng cash.
Hi Donnavi, merong instructions dito ang BDO on how OFWs can get their new EMV atm card.
Panu po makuha if na expired na o ( no-chip) atm? kabayan saving account po ofw saving account
Hi Bogart, yes, merong cut-off yong for clearing. Siguro 2pm, pero pinaka-common yong 1pm. Tinatanggap naman yong mga checks after cutoff pero for clearing na sila the next day.
Ask ko lang po kung ung mga branches sa mall kung hanggang what time sila pwede tumanggap ng cheque at kung may cut off po ba. Tyia
Hi Mario, hindi ko pa na-try, pero palagay ko after midnight, puede na, kasi next day na ang date. Kung hindi naman, later siguro at 4am or 6 am.
Hi po, na reached ko po ung 50k max withdrawal today. Mga what time po kaya ako makakapag withdraw ulit the following day?
hi good day po ano po b adapat gawin kasi yung pong kabayan account ko nd mkpgwidraw kc kaailangan npla palitan ung card ko,,kaso ang problem po andto po ako sa ibang bansa,at yun po na tam card ko ay asa pinas n gngmit ko lang as remittance sa famliy ko,,ano po magndang gawin pra mkuha po yung naremitt ko lastweek if over the counter po ok lng po ba na authorazation latterpo galing skin dto sa south korea po thnaks po
Hi Joahnne, yes, puede, based sa mga comments, kahit saang branch kasi Kabayan account. Yes, you can use the signed withdrawal slip. Bring the passbook and your IDs.
May pinadala po sya sakin na authorization letter nya at photocopy ng passport nya.ok na po ba un?
Hello po..ask ko lng po f anu po kailangan nanrequirements para makuha ko ung diniposito ng asawa ko sa kabayan savings nya?ako po kc may hawak ng atm at passbook nya mula nung bumalik sya sa abudhabi.nablocked na po kc ung atm na ginagamit namin.hnd ko nmn po kc alam na klngan na pla magpalit ng bagong atm.sana matulungan nyo po ako.thank you….
Hello po. Ask ko lang po, yung fiancé ko po is may kabayan savings. The meron syang iniwan sa akin na WITHDRAWAL slip na may signature nya. Pwede ko daw gamitin yun pag mag withdraw ako over the counter kahit hindi sya present. Is it possible to withdraw and use that slip sa kahit anong branch ng bdo? O kailangan po sa designated branch lang nya? Thank you in advance!
Hi Mhelby, yes, puede, kahit ibang tao ang mag-dedeposit ng check mo sa account mo (account name is the same name on check). Hindi na titingnan ang ID ng magdedeposit kasi idedeposit lang naman.
Hi MJ, yes, puede ka pa uli mag-open ng new account.
Hi john, yes, kung yang cheke mo ay walang naka-stamp na “Deposit to Account only” o walang dalawang guhit sa kaliwang corner sa taas, puede mong ipa-encash sa BDO. Bring your IDs. Yes, kelangan ang ID para alam nila na ikaw talaga yong payee sa tseke. Kung “Deposit to Account” yang tseke mo, kelangang ideposit mo yang tseke sa account mo, hindi puedeng ipa-encash sa counter.
hi po aak ko lng po if pano process kapag mag palit ng cheke through money sa bdo need po ba ng id po na sakin an kasi ung cheke
Naclose napo kasi yung account ko dati passbook. Pede pa ba ko magopen ng new passbook ulit?
Maaari po ba akong magpa deposit ng check sa ibang tao sa checking account ko sa BDO? Nakapangalan yung check sa akin. Kung oo, ano ang kailangang ipakita ng taong iyon sa BDO teller? Maraming salamat
Hi gusto ko po sana ung walang charge pag nagwidraw ako sa account ko ibang branch ng BDO at pagdeposit possible po kaya iyon?
Hi Jonathan, yes, puede, pero merong 100 pesos na interbank charge. If it’s a passbook account, bring your passbook.
Hello everyone, kung mag withdraw ba ako over the counter sa ibang branch, pwede po ba yun?
Hi Angelica, yes, automatic na ma-update ang account mo, meaning yong records mo sa BDO. Yong sa passbook mo, yes, maa-update kapag magdedeposit ka over the counter with your passbook.
Hi Gwen, dapat nakapasok ang sahod mo sa account mo kahit hindi mo pa na-change-PIN kasi active na ang account mo. Itext mo kaya ang mga office mates mo kung nakasahod na sila via their atm.
Hi Liam, yes, puede, pero dapat merong signature ang husband mo sa withdrawal slip (ima-match ng teller sa signature ng husband mo sa BDO records) to show that you are authorized to withdraw.
Hi, ask ko lang po may Kabayan ATm card at passbook kasi yung husband ko, sya po account owner at sa akin nya iniwan ang atm at passbook. Problem is nawala po yung atm card, pwede po ba ko magwidraw over the counter using passbook kahit siya yung owner ng acct.?
Hi mam. Sahod na po kasi kahapon. Kaso since nung 13 pa lng po binigay paycard namin, diko pa po sya naactivate agad kasi Graveyard po ako. Ngayon pong holiday, nung inactivate ko po, walang balance. Hindi po ba papasok ang salary pag hindi nakaactivate yung pin or di ko pa nachechange yung pin? Salamat po.
Good morning po.
ask ko lang po pag nag widraw po ba ako thru ATM khit ndi sa BDO Branch,pag nag deposit ulit ako automatic na mauupdate balance ko sa passbook?
Thank u po mam nora. God bless po
Hi Raquel, puede dapat, kasi makikita na naman nila ang iyong husband’s signature sa online system nila. 100 pesos yata yong interbank charge.
Gudpm po. Ask ko lang po may acct kc husband ko sa manila. Pwede po ba ako mag withraw using his passbook and withrawal slip with authorization sa malapit na branch dito saamin sa bulacan? Thank u po
Hi Cecille, did you mean For Cash Pickup? Dapat meron kang reference number. Bring your IDs. Punta ka lang sa counter of any BDO branch. Kung nag-send sa account mo, you can withdraw from the atm.
Hi po nag send po ang fiancée ko through online po dun sa branch kung saan ako nag open account,pwede ko ba ma claim ang pera sa kahit saan bdo branch po? At Paano po?
Hi Aiza, kinuha mo ba lahat yong 2k na laman? At naging zero ang balance? Kung naging zero, automatic na nag-closed na ang account mo. Kung merong natira na cents or few pesos, active pa ang account mo. Subukan mong mag-balance inquiry sa BDO atm para makita mo kung ano ang status ng account mo. Then comment ka na lang uli dito. Ang remittance from Saudi ay puedeng within one hour, or the same day, or up to 3 days.
Tanung ko lang po ung bdo debit card nag open ako tpos dba dpt may maintaining a mounth na 2000 eh nagamit ko po sya ng bago mg 1 month pa lang ako nkaka pag open mag closed na po ba agad yon?nag 1 month po ako ng may 24,2018 tpos ngaun namn bago mg june 24 lalagyan ko sya ulit pag dun kaya nghulog ung mr.ko mkukuha ko kaya ang pera?ilang arw ba bago dumating ang pera pag gling sa saudi papunta pinas?na inihulog sa atm?
Hi Let, bago na ba ang atm card mo? Yong merong EMV chip sa front side ng card. Kung hindi pa new atm card, go to your branch with your IDs and ask for your new EMV atm card.
Hi po. Tanong ko lang ano po ba dapat ko gawing kung na blocked yong atm ko..hindi ako maka pag withdraw kasi unauthorized yung card ko..tama naman password ko? Ano po ba possible reason nun.
Hi Angelica, hindi madede-activate ang account mo kasi above required maintaining balance at wala pa namang 2 years without transaction. Mado-dormant siya kapag walang deposit or withdrawal within 2 years or 24 months. So mag-deposit ka na uli asap para hindi siya ma-dormant. Pag dormant, maho-hold siya at hindi ka muna makakawidro or maka-deposit hanggang makapunta ka with IDs at your branch to activate it.
Hello po ,
ask ko lang po ano po mangyayari pag hindi ko na nahulugan yung saving ko(ATM with passbook) ng ilang bwan or isang taon mahigit po pero hindi naman po nababa sa maintaining bal.yung bal ko,hindi po ba madidiactivate yung atm ko ? salamat
Hi Miel, yes, maibabalik. Check mo lang uli ngayon kung wala pang naibalik. Pag wala pa, call BDO 6318000 and request for a credit for the unsuccessful loading.
Hi po.. Itatanong ko lang po kung mareredeem ko pa ba yung dineduct saken na load ng bdo,nag unsuccessful pero dineduct padin.. kagaling naman ng bdo, hindi naman dumating sa pinaloadan ko yung load..
Hi bheng, sorry, hindi papasok kasi naka-close. Punta ka sa BDO branch mo and ask kung puede pang i-open ang closed Kabayan account mo. Ang alam ko hindi nagre-reactivate ng closed account ang BDO pero try mo lang. Kung matagal nang closed at papayag ng reactivation, malamang malaki na ang penalties. Kapag hindi na puedeng i-reactivate, ask your husband to go back kung saan siya nagpadala at mag-request ng amendment or change of recipient account at isulat na niya yong active na account mo. Or puede ring For CASH Pickup na lang sa BDO, hindi na sa account, diretso na sa iyong name for cash pickup by you.
mam ask ko lang po kung papasok po ba sa account ko ung remittance na pinadala nya kahit nka close na ang kabayan bdo?ngkamali po ang asawa ko card na inulugan.
hi gud day po..panu po kung voters id nlng ang valid id q kz expired n ung ibang ids q..pde po b police clearance and brgy clearance?..40k plus po ung cheke n iencash po..
Magandang gabi po kelangan ko po ng sagot. Ang bdo cash card po ba ang nasa harap na 16 dihit number ay ang kanyang acct number nadin? Pano po kung kulang ang nailagay ko mali na po ba yun instead of 16 nagawa ko pong 10 digits only. Di na po ba papasok ang pera
Hi Emer, nag-merged ang BDO at Equitable PCI noong 2006 and finalized in 2007, so that means ang last transaction mo with Equitable was maybe earlier months of 2007. Ipagpalagay na natin na last transaction mo ay June 2007, meron nang almost 11 years na na-dormant ang account mo. After 10 years kasi na dormant ang bank account, ibinibigay na ng bank ang pera sa account to the National Treasury at gagamitin na ng gobierno ang pera. Bukod dito, if your last balance was lower than the required maintaining balance ng Equitable, matagal nang closed ang account mo dahil sa penalties. Kung interested ka lang sa records, or kapag malaki yong pera, ito yong circular ng National Treasury about what to do. Baka puedeng ma-share dito kung anong nangyari if you decided to pursue it, and thanks
magandang araw po, may account po ako dati sa PCI Equitable Bank Ortigas Branch na merger na under sa BDO; may chance po ba makakuha ng record ng deposit at withdrawal kahit matagal ng di active ang account ko. Ano po ang kelangan kung gawin para dito at may mga dokumento po ba dapat isubmit; salamat po.
Hi Wyn Dianne, yes, present your passbook and IDs.
Can i wiithdraw over the counter in any bdo branch kasi nawala ngayon ang bdo kabayan atm ko. Please i need response po. Asapa thanks po
Pwede po ba mag over the counter na ATM lang kahit hindi sa branch mo? Kahit saang branch?
Hi mam nora
Salamat po s reply.almost 100k ang maggastos para sa mga requirements n hinihingi samin pra makuha un pera ng husband ko n more than a half milion.pina hold po kase namin ang acount ng asawa ko the day n pinasukan kami s bahay at tinangay pati wallet ng husband ko s takot ko na baka nasa wallet ng asawa ko ang pin # ng atm pina hold nmin ang account nya para hindi maiwithdraw ng nanloob sa amin.salamat po uli sa info godbless
Hi Matie bra, naku sana alam mo yong PIN ng atm card ng husband mo para kunin mo na lang sa atm. Kasi matagal at magastos ang proseso para makuha ang deposit ng namatay nang account owner. Unang-una kasi, sinabihan ng BIR ang lahat ng banks na ireport nila ang mga account owners na namatay para mabayaran ang estate taxes. Puede kang pumunta sa BDO branch ng husband with your IDs, marriage cert, your husband’s death cert, account number or passbook and ask how to withdraw your husband’s money. Based sa list na ibinigay sa mga nauna nang nagtanong sa BDO, ito ang mga requirements:
Letter from Claimant
Certified True Copy of Death Certificate
Affidavit of Self Adjudication (puede sa iyo kasi spouse ka)
Affidavit of Quitclaim with Indemnity Undertaking
Certified True Copy of Marriage Contract
True Copy of Heir’s Bond
Affidavit of Publication
Registration with Register of Deeds of Affidavit of Self Adjudication
BIR Certification of Estate Tax payment
With your initial documents, puede na sigurong tanungin kung magkano ang balance ng account ng husband mo para ma-estimate mo kung it’s worth it na gumasto para lang ma-claim ang money sa account.
Hi Ma’am sa hindi inaasahan namatay ang asawa ko.ask lang po ako if paano ko makuha ang pera ng asawa ko sa kanyang personal account sa BDO bank wala po last will na iniwan asawa ko.ano po ang kailangan ko gawen para ma i withdraw ang pera ng asawa ko.salamat po
Hi maam ask ko lang po if pwedeng magdeposit ung kakilala ko sa payroll debit card ko? Baka po kasi for company (employer) transactions lang sya
Hi Carlos, meron ding nagtanong ng similar question. Puede pang maencash kasi 6 months naman ang validity ng check na walang nakalagay na expiry, basta yong account ng issuer ay active pa, at kung merong pondo para sa cheque na yan. At dahil pay to cash, dapat doon sa BDO branch na nakasulat sa cheque ka magpa-encash, pero you can also try asking another branch kung puedeng magpa-encash doon sa kanila. Mate-trace kung sinong nag-encash ng cheque kasi yong teller kukunan ka ng ID kahit Pay to Cash ang cheque. Curious ako bakit concerned kayo na malaman ng cheque issuer kung sino ang nag-encash.
Hi. Meron po akong BDO check Paid to Cash dated February 28, 2018. Pwede ko pa po ba maencash? Bayad po iyon sakin ng isang supplier. Malalaman po ba niya pag naencash ko na at kung sino nag encash? Thanks
Hi Mich, sori hindi puede; kung passbook account, required ang passbook kapag over the counter withdrawal. Sa ATM ka nila pawiwidrohin. Puede kang magpagawa ng Affidavit of Loss and then request for a new passbook. Ask mo yong branch mo kung meron silang form ng Affidavit of Loss of Passbook, or kung puedeng magpagawa sa labas.
Hi po ask lng po sana kng pwede mka pag witdraw over the counter kahit wala po ang passbookkhit saang branch. Nawala po kas3 yong pasbook ko atm w/pasbook po ako.
Hi Shey, yes, pero dapat merong maiwan na amount para hindi ma-automatically closed.
Pwedi ba mag withdraw kahit bago palang nag deposit?
Hi Joy, yes, mas maganda nga para meron kang savings. Walang babawasin kasi walang maintaining balance requirement ang cash card. Basta meron siyang at least 1 withdrawal or deposit transaction every 6 months. Walang penalty, pero maging inactive status. Nare-reactivate naman pag depositohan uli.
Hi mrs Nora. Ask ko lang po kung okay lang kahit may matirang cash sa cash card ko? Hindi po ba mababawasan iyon? Salamat po
HI Ma’am nora,
Ask ko po sana kung anu po kaya magandang gawin hakbang..
Kasi po may savings po ako na naipon which is gusto ko po sana mag widraw ng malaki.
Ang problema po wala po ako maipakitang supporting documents. Lending po kasi ang sideline ko nuon..
eh nanakaw po lahat ng mga papeles ko.. so ngayon wla po ako maiprisinta sa bangko..
Anu po kaya ang magandang gawin???
hi miss nora ask ko lang po what if na di ko na naaactivate yung account ko at may laman naman syang 10k . di po ba yun macoclose at di ba mababawasan yung 10k na naka deposit dun?
Mam,goodhealth po sa inyo…ask q lng po kung pwede maencash ung cheque ng mister q sa ibang branch ng BDO,naka-noted din po na for payees account only…pwede po bng sa ibang account ito ideposit..for example BDO to PNB?
Help badly needed.
I lost my BDO cash card and it will take a while before I will be issued with new card due to some circumstances. Is it possible to get my money over the counter even if it is a CASH CARD?
Mam i have my kabayan account pwede po ba magamit ang account for my sss sickness benifits ask nila ako if had an account on my name pwede po ba
Hi, Ask ko lang po kung pwede sa ibang branch magpunta kc unauthorize transaction lagi nlabas pag nagwiwithdraw via atm.. sa manila po ako nag open pero nasa batangas n ako ngayon.
Hello po. Magkano po yun maximum deposit sa bdo savings account(2000) . And pwede po ba mag.Over the counter hanggang 100k khit atm lng.
I have a dollar account.Nag iwan ako ng withdrawal slip sa husband ko as my representative para in case na kailangan makapagwithdraw sya agad. Unfortunately pagpunta nya sa bank hindi sya makapagwithdraw over the counter kasi kelangan daw muna iupdate at pinababalik sya after 3 days para makapagwithdraw. Naayon po ba ito sa policy ninyo? Please let me know.
Hi Hanna, yes, puede 1M over the counter, ipa-process agad at makukuha mo rin agad, basta walang problem ang account, signature at IDs mo. Walang charge kung passbook ang account mo. 100 pesos kapag atm-only account. Puede ka rin nilang pawidrohin muna ng 20k sa atm machine, then after that, widrohin mo sa counter yong iba — yan ang rule nila dati, ewan kung ganon pa rin ngayon. Bring your IDs. Kung ipapambayad mo itong pera, at tumatanggap ng manager’s check yong babayaran mo, mas safe kung magpagawa ka na lang sa BDO ng manager’s check. Puede mo ring kuning cash yong iba.
Hello ms. Nora po pwede po bang mag withdraw ng 1miliion 1time? May charge po ba yon at ilang days ang processing po?
Hi asked ko lang po,puedi bang mag over d counter yung anak Ng may ari ng account,kasi yung may ari ng account nasa abroad.Nagpadala sya sa anak nya sa pinas,pued bang magwidraw over d accounter ang kanyang anak kahit hinto ito nakpangalan sa knya,nakapangalan ang account mama nya nasa abroad.
Hello! Kumusta? Ask ko lang kung totoo po ba na ang BDO BANKO DE ORO AY CLOSE NA KAsi po isa sa mga kaibigan ko nasa sa saudi arabia (riyad) ng gusto niya mghulog ng pera sa kanyang accnt ngunit sinabihan siya ng teller na close na daw po ang bdo sa pinas .may 58k pa naman siya sa kanyang accnt.
Pwede po mag withdraw sa ibang bank ng BDO over the counter kapag sa Pampanga Branch ako nag open ng account
hi mam,sir..nag padeposit po ako dto sa amo ko sa BDO kabyan ko..ang pina depositohan ko ung acct ng aswa ko na beneficiary ko.agad agad po ba nya mkukuha un? at mag kano ang charge nun dto sa riyadh? my bwas pa ba un pg kuha ng aswa ko.over the counter po.
Hi po.. need help po urgent 3 days na ko hnd makapag withdraw since natapat ng weekend.
pwede po bang mag cash withdrawal over the counter (any BDO branch or mismong branch ng account ko) I forgot my pin ng Payroll Debit Card ko. 10K lang withdraw ko may minimum ba pag over the counter? need ko na ng money kasi.. pag replacement ng card daw it takes 5-7 banking days. Thanks a lot.
Hi ma’am sir gaanu b katagal pra matagap k padala kabayan po atm ko galing abroad padla
Hi Ma’am ask ko lang po if i can enroll another bdo debit account na Visa naman. May existing BDO debit Mastercard na po kasi ako. Gusto ko kasi may Visa din para in case magtravel abroad. Or mas better na mag open na lang ako sa ibang bank ng Visa debit account. Thanks po
Pwede po ba gmitin ang nbi clearance para po mkapg over the counter s bdo? Postal id lng po kc ang meron aq. Tnx
hello po ask lang po sana ako kase po nag deposit po ako ng cheque sa metrobank savings account ko pero ang cheque po ay from citibank, friday ko po sya deniposit and since sabi nila ay one day clearing nalang po ngaun, by this day which is monday nag expect po ako na available na ung funds, pero ang nakikita ko online ay floating parin ung amount, so kailan po kaya un magiging available. thank you po
Maam good day,,
Ask ko lng po isang taon ko na hindi nahuhulogan ang kabayan saving account ko,pero my laman naman po cya.ma dedeactivate po ba ang account ko kapag hindi ko pa rin nahulugan.thanks
Hi jhernel, SSS ID, voter’s ID, driver’s license, plastic company ID or passport. Puedeng school ID with barangay cert if student
Hi po pwd po b malaman f panu mkakuha ng bank statement s bdo online banking sinunod q nmn kc un step by step nlang instructions at d end wla nmn aq napala meron ka po b alam n pwd q gawin?? Tnx in advance
ano pong valid id sa pag encash ng chesk
how can I encash check under different name?
Hello, ask ko lng poh kng may maximum amount ang withrawal over the counter.
At pahabol lang po na question maam.
Kung sakaling pwede po pwede po ba i deduct nalang dun sa i wiwithdraw ko yung charge?
HELLO PO ask ko lanf po kung pwede mag withdraw over the counter kinain po kasi ng atm machine yung BDO cash card(payroll) ko.. Eh pag nag request pa po ako sa company ng panibago matagal pa po ata yun
PWEDE PO BA MGA MAAM/SIR?
Ok thanks so much for the info Nora.
Sorry, i mean interbranch dollar cash withdrawal.
Hi Lulu, sorry I’m not a BDO employee, pero tanungin mo lang yang branch nearest where you are. Depende rin kasi sa branch if they have enough dollars available and if their online connection is working. There’s a charge. For peso accounts, it’s 100 pesos. They require your passbook and IDs
Ask ko lang po if naga accept kayo ng interbranch withdrawal para dollar account over the counter?
Hi Jessa, more than 2 million pesos? Oo naman, puede. Pero tatanungin din kung saan galing ang pera. Tanong lang, pero tatanggapin din. Kasi puede namang bayad ng binentang bahay, lote, or pinadala ng family from abroad to pay something, etc.
Pero kung wire transfer of 2 million dollars, ihohold muna ng bank, at hahanapan ng proofs of source.
HI ASK KO PO SANA IF PWEDE PO BANG MAGDEPOSIT YUNG FRIEND KO NG MORE THAN 2 MILLION IN MY ACCOUNT?
Hi XD, karamihan ay 12 months to 24 months, pero I saw a 7-year set of postdated checks sa BSP website which was for institutional loan payments. Yong iba, 12 checks for the next 12 months, then before the 12th month is over, reissue another set of 12 checks for the second year, and the same for subsequent years
may tanong lang ako. gaano katagal ang itinatagal ng mga post dated checks sa pinas. especially sa bdo? salamat ng marami sa sasagot.
Hi Ella, kung 4 months na, most likely, automatically closed na ang account mo. Try mo mag-balance inquiry. Malamang “closed account” or “invalid account” na. Pag BDO, hindi sila nagre-reactivate ng closed accounts, so mag-open ka na lang ng new account. You might like this account: BPI Easy Saver
Hello po ask ko lang po pano po kung ang balance nalang ng ATM debit ay 2 pesos.. tas pang 4 months na po ako na walang transaction.. di na po ba pedeng mag deposit ulit dun?
Hi mars, at least 2 valid primary IDs. Kung meron kang SSS ID and passport or driver’s license or company ID or voter’s ID, enough na. Supporting IDs lang ang mga yan, pero dalhin mo lang kung iisa lang ang primary valid IDs mo.
Hi mrs Nora, anu po ba and mga requirements para mawithdraw and ma-close ko and dollar savings account Ko? Ilan po bang valid ID ang kailangan? Kailangan Ko pa din po ba ng NBI, Barangay or police clearance? Thank you po
Hi Jimdexter, yong black line na yon kasi ang binabasa ng machine. Kung hindi mo na maibalik yong black line nang mahusay, sorry, damaged na yan, at kung yang account is you sister’s account, hindi mo puedeng papalitan sa bank kasi ang allowed lang na mag-request for replacement is the account owner, in person. Ask na lang your sister to amend her remittance from deposit to CASH PICKUP. Do you have valid IDs? School ID is okay basta merong signature ng head of school and meron kang photo. Kumuha ka na rin ng barangay certificate to support your school ID. Meron na ring webcam photo ang mga barangay certificates.
Hi nora… my bdo kabayan atm pko abgay po ng sister ko na nsa ibang bansa… at un po ang gnagamit ko ngyun dto sa philippines ..tas knina lang po natuklap ung black line sa likod tas nag papakita sa atm mchine na cant read .. an po ggwin ko ilang beses kna pinasok pero lahat csnt read
Tnx po ms. Nora…
Hi Robelyz, kung SSS ID yan at hindi naman gaano malaki yong amount ng refund, dapat okay na sa kanila yan. Bring your Meralco bill or refund letter just in case.
Isa lang po ang valid id ko.. Ok at puwede ba po isa lang ang valid id ko?
Hi Robelyz, for deposit yang check kasi merong diagonal lines. Pero dahil Meralco manager’s check, usually ini-encash nila sa branch ng bank na nakasulat sa check, so try mo na lang doon sa branch.
Hi tuny, I hope na-adjust na ng BDO ang system nila para matanggap ang mga ganyang “0” errors. Wait na lang, and I hope ma-credit para you don’t need to go back to your remitting bank.
HI po!.. matanong lang po,.. tungkol sa BDO account number.. nandto po kasi ako sa ibang bansa, padalhan ko ang aking misis ng pera thru international bank and transfer, ang account number is 12 digits,,. starting tatlong zero(0).. pgka kita ko po sa transaction reciept is kulang ng isang zero.. which is nalagay 11 digits lang di ata nlagay ung isang zero.. pagka kta ko sa balance is natransfer na.. may magigig problema po ba yun na kulang ng zero ang nalagay..
salamat po ng marami sa sasagot..
Puwde p rin po b for encashment ung check?
Meron po nka lgay in between ng diagonal lines at left top ng ckeck po.. Managers check dn po ung check.. Pay to the order of my name po..
Hi lhey, yes, company ID is a valid ID, specially yong plastic ID with sufficient data and not the laminated type. Bring any supporting document like NBI or TIN or barangay cert just in case they ask.
Hi Robelyz, yang refund check mo ba ay walang nakalagay na “For Payee’s Account Only”? Or walang 2 diagonal lines sa top right corner? If wala, yes, puede, kasi valid ID ang SSS ID. At Meralco check naman. Yes, try any branch of the bank on the check.
Hi mrs nora.. Meralco issue me check as for my refund. Dated (5-9-2017). Until now nasa akin pa rin. Only SSS id i have. Can i still do encashment in any branch? I have one valid id only..
.hello..is it possible to encash my sss cheque using my company id only because my application for a new sss id card is still on process..thanks
Hello po ask qlng poh ng open po aq ng kabayan savings account s phillippines then andito poh aq s khobar saudi ngwwork 2 months plng aq dito…ndip po ako nkkpgdeposit s account q…if mgdeposit poh b aq pede po b mgmit atm. Dito al khobar..at pnu ko po ma uupdate passbuk q dito?? If mgsave po aq ng money s account q??
Hi Marivic, obviously kapag may atm card, makakawidro. Kapag over the counter, dapat nasa aunt mo ang passbook at dapat napirmahan mo yong “authorized representative” portion ng withdrawal slip. Minsan meron ding naghahanap pa ng ID mo lalo na kung yong signature mo ay iba doon sa signature mo na naka-store sa system. Kung ibang-iba ang signature, pede ring hindi pawidrohin. Puedeng gumamit ng courier like LBC or EMS pero dapat hiwalay yong passbook at yong withdrawal slip. Isipin mo rin na meron ding risk ang magpadala ng important documents
Hi Anne, first you need to reactivate your dormant account by going to your branch with your IDs. Tell them you also misplaced your passbook and atm card and can no longer find them. They’ll tell you if a notarized affidavit is needed. In the rules included in the passbook, you need to submit an affidavit. If you withdraw over the counter, you need to present your passbook, so you really need to get a new passbook. It will also be easier if you also know your account number.
Hi! My mum sent money through metro remittance and they sent it to my bdo kabayan dormant account. Apparently I left my bankbook and atm card in the UK, how can i withdraw the money from the dormant account without a notarized affidavit of loss letter??
Hi po. Can my aunt withdraw my money in my kabayan peso saving di kc me makakauwi. Anu po nga Requirements? Thanks
Hi Nora im Lourdes. Pwede pa bang depositohan itong bdo kabayan account ko? March 2016 pa ang huling remttance na pumasok dito at hindi na nalamanan ulit. Winidrawhan ng anak ko nung nagbakasyon sya ng july 2017. May natirang less than 500 pesos sa savings acccount. Active pa kaya ito at pwede pang depositohan ng anak kong nasa saudi?
Kabayan savings kc ung akin un dn ung gnamit kong pang open acc.ung police clearance ko..
Hi jenifer, I wonder na naka-open ka ng BDO passbook account na wala kang valid IDs. Malamang irequire nila yong IDs kasi malaking amount yong iwiwidro mo over the counter. Kung di ka makawidro, widro ka na lang via atm machine, 50k pesos per day, so 3 days ka magwiwidro to get 120k pesos. Puede ring pawidrohin ka muna nila sa machine, then yong the rest over the counter.
Wala pa po kc ung valid id’s ko police clearance plang po meron ako pwd po ba un if skali kylangan pa po ba ng id khit dala kona ung passbook..
Hi jenifer, yes, puede. Bring your passbook and IDs. Dalhin mo rin yong atm card, baka lang titingnan.
Gud pm ask ko lang po makaka pag withdraw po ba ako ng 120,000 over the counter ano po requirements na kylangan…
Hello mam nora,
Good am po.. i just read some of the comments here.. well one of those comments ay pareho problem ko.. pero may konti difference.
regarding sa problem ko. Well yesterday lang kasi emergency talaga.. yung situation kasi last 2015 nag open account ang mama ko sa bdo.. passbook.. dpat joint account kami kaso di ako pumayag kasi that time wala pa daw passbook with atm.. sabi ko sa mama ko wala pa passbook with atm.. mga after 2 months pa mgpprocess yung atm sabi ko sa mama ko siya na lang muna tutal may bank account naman ako sa iba.. then by march bumalik na sa abroad mama ko.. iniwan niya passbook niya sakin.. then heres the problem.. nagka emergency kasi yesterday. we need to withdaw sa bank niya.. kasi gagamitin namin yung pera here in the philippines asap. ang problema. wala siya iniwan id and any signature with widrawal slip..
so ang possible way is isend yung withdrawal slip sa kanya sa abroad.. kaso need na talaga yung money by monday.. sabi ng mama ko try ko daw pumunta sa branch ng bdo.. then sabihin yung situation.. present ko yung conversation namin.. saka yung passport na pic na sinend niya.. para if ever maka withdraw ako agad.. or by chance ask ko na pa add niya ako as joint account.. para wla na muna problem sa signature.. emergency kasi talaga.. pwede kaya yun.? i have all the documents naman and proofs. pupunta ako mamaya sa bank.. sana po matulungan mo kami.. if ever any suggestion or advice na maibibigay.. salamat po wait ko na lang reply niyo. thanks.
Hi elmer, it’s not true. Baka iba yong narinig. Meron lang charge kung atm-only ang account and the charge is only 100 pesos. Puedeng 200 pesos kung another branch kasi interbranch withdrawal fee yong second 100 pesos. At kung merong passbook ang account, over-the-counter withdrawal is free. Kung Kabayan, interbranch withdrawal is free.
Hi hazel, sorry hindi ako updated. Try mo na lang. Dati kasi ang BDO payroll ay napaka-exclusive, gusto nila pang-payroll lang ang payroll account at ayaw nila ng over-the-counter deposit kahit cash. Ang puede is online cash transfer. Pero I hope nag-change na sila.
hi Ms. Nora,
ask ko lang po if my bdo payroll account is accepting check deposits. thanks
hello ms. nora ask q lng po pg ng over the counter kb n mgwithdraw s bdo totoo b n 50% ung withdrawal fee?mgkano b withdrawal fee s over the counter transaction tnx
Hi Jay ann, kung sino yong account owner, dapat pumunta sa BDO branch niya at ireport ang loss. Usually ire-require nila ang Affidavit of Loss. Kung hindi makapunta agad, dapat tawagan ang BDO and report the loss of passbook
Hello po.. ask ko lang po kung ano ang gagawin ko kasi po namisplace ko ung passbook namin. Salamat po..
Hi nora.tanong ko lng kung pwde ba ba mag withdraw sa ibang branch ng bdo gamit ang passbook.at asawa ko mag withdraw may iniwan ako sa kanya na withdrawal slip may sign ko.
Hi Shine, andiyan ka pa ba sa Antipolo? Nagtanong na ako dati ng ganyan sa La Union, oo, puede raw, pero para sure, dahil malaki ang iwiwidro mo, at kung minsan, merong naiiba na branch, dumaan ka na lang sa branch mo. Walang maximum limit kapag over the counter ang withdrawal. Merong 100 pesos na interbranch withdrawal fee.
Hi ms.nora ask ko Lang po if magkano maximum amount ang puede iwithdraw over the counter? Ok Lang po ba na sa ibang branch ako magwithdraw? Sa antipolo po ako nagopen ng account at sa tarlac ako magwiwithdraw?need ko po kase ng mlaki ng amount dun for investment
Hi good day Ms. Norma we do online payroll the account of are customer was confirmed in the bank as active but when we are going to credit his rebates the system of BDO tag his account as Invalid what are we going to do?
Hi Katrina, BDO ang nag-issue ng tseke? Yes, puede dapat. Meron lang sigurong mga smaller branches na ire-refer ka sa branch na nag-issue ng tseke.
Hi anna, anong passbook ba ito? Regular o Kabayan? Kapag regular passbook, at nag-zero, as in 0.00, automatic nagko-closed. Pero kung merong few pesos or centavos, open pa. Puede mo pang lagyan, kasi wala pang 1 month. To be sure, bring your passbook to BDO, and ask kung active pa.
Hi ask ko lang po, regarding my passbook. It turned zero balance nawithdraw ko kasi lahat ng pera ko nung nagkaron ako ng emergency.. ask ko lang po makoclose na po ba automatically un account ko?? Or pwede ko pa kaya sya madepositan? Wala pa namn pong 1month na zero bal sya.. still makakapag deposit pa kaya ako.. thanks po for those answer this question..
Hi po., pwede po ba akong mag encash over the counter sa kahit anong branch ng BDO? o sa branch lang po kung saan ako nag open ng account? salamat po.
Hi ivy, in-enroll mo ba ang Save the Children for automatic debit? Or yong charity na ang nag-process? Puede mong tanungin ang Save the Children kung nagse-send sila ng confirmation every time makatanggap sila ng donation from you. Pero kung enrolled ka sa BDO online banking, puede mong makita sa transactions yong amount na nade-debit.
Hello! asked ko lang po kung ang isang Charity gaya ng save the children na automatic debit sa savings for donation. Are they going to send a confirmation that they withdraw a certain amount that you pledges?
hi, can i use my philhealth id, barangay clearance and nso birth cert.for cash encashment? thank you
Hi Nora, no my money still not been creditied , i am rather sick with worry now, i have contatcted both sending bank and BDO, it was large remmitance so very disturbing, i will update here but really no idea why not arrived yet
Hi alex, depending on the remitter, remittances can be credited within the same day to 5 business days. I hope your money will be credited today. In the past, this 00 has caused troubles, but I think they have solved this already to not cause problems for those remitting without the 00.
ohh also i am abroad so cannot visit BDO bank…. please advise
hi, i transfered money from abroad to my bdo peso account but missed the 00 at the start of the account number from my transfer form the money left the account i sent from but has not arrived in my BDO account,, do you know how long this should normally take ? i am worried its been 3 days
hello po gud afternoon po.. ask ko lang if sa atm w/o passboOk na min of 2k ang maintaining e winithdrawhan q ng 1k kc emergncy.. magcclose account po ba un?
Hai po! Meron po akong metrobank atm debit card tapos binigay ko sa papa ko ang account # ko pra mag deposit sya kaso ang nasabi ko ay BDO atm card hindi Metrobank atm card. Tapos ang nag deposit sa account ko yung kasama nya sa abroad, pwde ko ba makuha ma withdraw yung na deposit ng kasama sa papa ko? At pano? Please rplay po? And by the way po na deposit nya po sa BDO tlga pro Metrobank account ko.
Hi Esther, kung walang nakalagay na For Deposit at walang 2 diagonal lines sa top left corner ng tseke, puede mong i-encash yang check sa branch written on the cheque. Sorry hindi puedeng depositohan ng tseke ang BDO cash card kahit personalized, kasi pang-cash lang talaga ang cash card. Hindi deposit account ang cash card at hindi siya insured by PDIC.
Pwede ko po ba ipasok ang check ko sa bdo cash card ko na personalized bdo din ang check ko . Pero gusto ko sana ipasok sa cash card since pareho nmn po issued ng company. At wala din nkalagay NA for DEPOSIT .
Hi Janice, hindi ba Kabayan ang account mo? Hindi Kabayan ang account at two months or more na 300 pesos lang ang balance? If yes, oo, closed na ang account mo. Hindi nagpapa-reactivate ang BDO ng closed account. Ang gawin mo when you come back here ay open a new account. Open ka ng BDO Kabayan.
ok mrs nora explain ko nlang po sana pumayag. thank you so much!gudmornyt!
Hi wendel, yong company address ba sa main ID mo ay within Metro Mla? Puedeng mag-open, i-explain mo na lang sa officer na bago ka pa lang nagwo-work sa Manila, kaya provincial address yong sa ibang IDs mo. Bring 2 ID pictures. I think BDO does not require proof of billing — it’s more focused on valid IDs, and foreign remittance receipt if it’s for BDO Kabayan account.
Hi Jaja, yes, puede. Puede kahit 100 pesos.
Hi Mrs Nora. Ask ko lang kung pwede ba ako magdeposit sa BDO less than 500, ex. 300 pesos? Thank you! Godbless!
hello,hope everybodys fine..ask lng po pwede ba mag open ng acct kahit saan na bdo branch,exmple sa mnila po ako nagwwork,plan ko mag open ng acct pro mga documents ko like id ang address sa province,at proof of billing.,ok lng po b yun?
Hi mrs nora ask q lng po if pwede q pa po ba mahulugan ung account q 2 months n po kc sibce npsok don ung maintaining balance.. 300 lng po kc ing naiwan don.. ngaun po pinahulugan q sa pinsan q(malayo kc po saamin ung branch ng bdo kya d q mahulogan agad.) Ang sbi po ng teller sa pinsan q hindi na daw po pwd madepositohan ung account ko..paano po kya yn mrs nora? Closed n po b un? At pwd p po b q mgreopen ng account? Tnx po..
Hi Mie, hindi yon automatic na babalik. Itago mo yong atm slip mo. Punta ka agad doon sa China Bank branch na pinagwidrohan mo, at i-report mo yong nangyari, para tingnan nila yong machine records nila, iba-balance nila yon. Puedeng agad-agad, puede ring merong schedule. Kung merong sobra, para sa iyo yon. I-xerox mo yong atm slip mo para meron kang copy. Puedeng may form kang susulatan, at puede ring papuntahin ka sa BDO branch mo.
ask kulang po , nag widraw ako sa china bank , pero bdo user ako , ang nangyare hindi ko agad nakuha yung nilabas na pera bumalik ulit sya ,, ask ku kung mababalik pa yung pera nayun sa account ko ?? tnx
Hi laarni, dapat i-encash mo ang cheque mo within 6 months from due date. Meron ding cheques na 3 months lang (nakasulat sa cheque). Yong postal ID mo ba ay yong digitized na, at hindi yong simpleng card na laminated? If digitized na, yes, puede na yan, plus your TIN ID. Kung malaking amount, baka hanapan ka pa ng additional ID. I-encash mo na para ma-check mo. Wala bang 2 diagonal lines sa top right corner sa cheque mo? Or walang nakasulat na FOR DEPOSIT ONLY or FOR PAYEE’S ACCOUNT ONLY? I asked kasi kung meron, dapat ideposit mo ang cheque mo sa bank account mo
Ask q lng po valid until po ba ang cheke sa bdo? And acceptable po ba ung tin id tska ung bagong postal id sa pag encash ng cheke?
If I deposit in bank accnt is it possible to see my info by the reciever if they widrawn over the counter.I deposit through sending money outlet direct to bdo accnt.pls reply
Hi yham, hindi kelangang mapa-update ang passbook para lang makapasok ang mga padala sa account. Basta tama yong bank name, account name, account number, papasok ang mga padala ng madam mo. Para sure, tawagan mo ang BDO, kahit minsan lang: International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000. Be ready with your name, account number and estimated total of deposits mo.
Hi Apple, sorry, hindi mo maa-activate ang atm card mo while abroad kasi walang BDO machine diyan. Hindi rin puedeng mag-request ng atm PIN over the phone or thru email. You can activate your atm card when you take your vacation. Ang default PIN ng BDO ay any 6 numbers, kahit 123456 or 444444 or 654321. Pero dahil matagal na, you might need to go to your branch first before you can change your default PIN.
Kelan yong huling remittance mo from abroad? Magkano ang balance ng account mo? Kung 10k pesos or more yong balance, your account balance is safe from any penalty, kahit Kabayan pa siya or converted na into a regular account.
Ask ko lng po paano po ang gagawin o requirements na kailangn kc naiwala ko po ung papel na may laman ng password ng atm card ko kc Im wotking abroad at hnd p po ako nakakapunta ng bank sa pilipinad para e verify ung account ko.maari po ba ankong mabigyan ng copy or new password ng account na en open ko kc hnd ko pa naman po napapalitan ang password. Salamat
Hi magandang araw po,tanong ko lang po paano po ang gagawin ko kase ung papel na may password ng atm ko ay naiwala ko po.Nag open po kc ako ng account s remitance dito sa dubai nung 2015 pa po nakakapag hulog naman po ako sa account ko pero ang woried ko po ay since hindi pa po ako nakakauwe ng pilipinas ay hnd ko pa po na aactivate ang atm ko,sa kasamaang palad po naiwala ko ung papel na may password ng atm,pero nasaakin po ung passbook ko at ung ATM card it self.pwede pa po ba ako mag request ng password ng account ko since hnd ko p naman po na papalitan kc hnd ko pa na aactivate. Salamat po sana po matulungan nyo ako s concern ko .
Good evening! Ask ko lang po f hindi ba maging problema na Hindi na update sa passbook ko yong every send ni madam na pera sa kabayan passbook atm savings account ko. Kasi nadala ko yong passbook dto abroad. It’s me yam. Pls reply po thanks
Mam ok lng po ba ng mgdeposit and mgwidrw in any branch?using passbook?
Anong gagawin q po wrong yung pin nah napinfot q 3 times po
Hi po pwede po ba akong magdeposit ng 300 sa bdo?
MAY LAMAN PO ANG ACCOUNT KO MOPRE THAN 10K PERO DI KO NAHULUGAN MORE A YEAR OR TWO. MAGSASARA DIN BA IYON O DI KAYA AY MABAWASAN ANG LAMAN?
Hi po. Ask ko lng namatay na po ang may ari ng bank account with a half million balance. puwede po bang e claim ng anak ang pera? anu po ba ang processing para na claim ang pera. Sana po matulugan ninyo kami salamat po.
Hi ask ko lng po kung pwede po ako mag pinabagong bdo atm sa ibang bdobranch pero ito pa rin gamit ko account number? Kasi po itong bdo atm ko ay 14yrs ko na ginagamit ko. Sa manila pa po ako nkapagopen nitong atm acnt ko. Nais ko pong palitan ng panibagong atm dto sa cavite.
Hi Che, meron bang Mastercard or Visa logo ang iyong atm card? At na-change PIN mo na ba yan at a BDO machine here in the Philippines? If yes, oo, you can withdraw there abroad. Find an atm with the same logo as yours. Charge is US$3.50 per withdrawal; 1 dollar per balance inquiry; up to 5 withdrawals per day. Maximum withdrawal per day is 50k pesos (compute the equivalent amount in your currency there). Maximum withdrawal per transaction is 10k pesos.
Hi! Meron po akong dollar account sa pinas, sa bdo. meron po akong atm at passbook. gusto ko sanang mag withdraw dito sa abroad. magkano po ba ang charge? magkano po ang maximum amount na pwede e withdraw? Salamat
Hi po. Ask ko lng namatay na po ang may ari ng bank account with a half million balance. puwede po bang e claim ng anak ang pera? anu po ba ang processing para na claim ang pera. Sana po matulugan ninyo kami salamat po.
Hi Esther, sorry hindi puede. Pang-cash lang ang cash card. Kung student ka pa lang or just starting to work, you can open a BPI Easy Saver atm account. Zero-maintaining ito, pero ang kapalit is merong 5-peso charge per atm withdrawal. Mas okay na kesa ma-charge ka ng 300 pesos for not maintaining a balance in your account. Puede ring mag-open ng mga low-maintaining accounts. Choose among these: Low-maintaining-balance accounts. Para sure, when you open an account, pagsabayin mo nang i-deposit yong initial deposit mo na cash plus yong cheque mo.
Hello po ask ko lang po kung pwede po bang ideposit ang checque sa bdo cash card. Nakalagay po kasi for deposit for payee’s account only
Ask ko lang po maam what if sumobra k aq ng withraw sa bdo kabayan ko ilang days po kya hhntyn ko ulit pra gumana eto ulet
Hi Mayca, yes, puede, pero dapat another account type. Halimbawa, kung passbook with atm ang first account mo, puedeng mag-open ng atm-only account.
Can I open another account at BDO? Kasi I already have one so nagdedecide ako na mag open ulit ng account. is it possible po?
Hi Anne, sorry I wasn’t able to reply to you immediately. I hope you have made a withdrawal already. Yes, puedeng withdraw over the counter in another branch (merong charge). Bring your IDs. Pero take note na merong branch na in certain cases, hindi sila pumapayag lalo na kung atm account. Try mo na lang.
Hi. Can i withdraw cash over the counter at any branch using my payroll debit card. Issued by our company. Since sarado yung sa ayala alabang branch today? Nablocked kasi yung atm card ko kaya di ako makawithdraw sa atm machine. Thanks
Hi ask ko lang po f pwede po ba akung mgwithdraw sa account ng ate ko over the counter kasi po umuwi sya ng province kaso wala pong bdo branch dun kaya pingwwithdraw nya ko dito sa manila .. .need ur answer .salamat po
Hi nelson, do you mean passbook? Yes, merong charge, 100 pesos. Merong mga branches in some provinces na ayaw magpawidro over the counter kapag another branch ang account.
Hi john anthony, yes, puede. Punta ka lang sa BDO. Ask mo lang yong teller. Sabihin mo meron kang BDO account.
Gud day..ask ko lng po sana kung my charge pag ngwidraw k ibang branch ng bdo gamit po passion…kung meron po mgkno po?salmat po
Hello, I am a bd card holder. is it OK to change 1 thousand bill into 50 pieces of 20 pesos bill?
Good day. can i encash my cheque with an nbi or police clearance ?
Hi glen, ang pag-cross ng check ay sulatan lang ng 2 diagonal lines yong top left corner ng cheque. Tingnan mo yong no. 18 dito: Check clearing tips for new checking account owners
Hi glen, yes, basta mag-match exactly yong signature ng mama mo sa withdrawal slip at sa signature niya sa BDO files. Bring all your IDs. They might ask for additional IDs or questions kasi 50k ang winiwidro mo.
Hi mark, try to withdraw from the nearest branch. Yong ibang branches, sasabihin nila withdraw from your branch, pero try mo lang. If you withdraw via the atm, makukuha mo lang 11,900, maiwan yong 99.50. Puede mong ibili ito sa Watson or SM supermarket ng item na worth 99 or 99.50 by swiping at the cashier.
Hi po. Merun po akong kabayan saving acount kaso naging regular passbok na with remainaing balance php11,999.50 .tanung ko po pwde ko po b ito ma withdraw lahat?my charge po ba? Any branch po pwd mg withdraw? Sayang po kc ung amount need ko pa naman. salamat po
gandang araw po.how would they cross check
binilin ng mama passbook nya.with sig. nya n slip .maka withdraw ba ako ng 50k otc.or mor
If i open a savings account without passbook, can i withdraw over the counter parin ba incase not working ang ATM?
mgagamit po ba ang debit card sa any store during saturday?
hi po, may bnili po ako sa mall, gnamit ko po ang debit card ko.. nag eerror po sbi ng counter, i tried again sa iba gnun dun error pa din. anu po possible reasons? may balance pa nmn po akong 4thou.. saturday po yan, hindi po kya dhil saturday?
Ma’am Nora, ang tanong ko po ay ito may account po ako sa BDO sa ibang city po, ngayon po sa ibang city na po ako nakatira, puydi po ba yung account ko sa city namin magamit sa ibang branch bdo sa present ko po na city na tinitirahan ngayon? Salamat
Hi april, kapag ang BDO payroll account ay inopen ng company for their employees at ibinigay na lang sa inyo yong card, usually ito ay exclusive at pang-payroll lang talaga. Ikaw ba mismo ang nag-open ng account sa BDO? If ikaw mismo ang nag-open, yes, you can deposit over the counter to your account.
I recently applied for a payroll account pero at the same time, peso savings na din daw yun. Atm Debit card sya. Yung bago nila naun na may chipcard.
Pwde ko kaya un mahulugan ?
hi mam nora.. ask ko lang po kng nakapag withdraw n ako ng P50,000 today tapos nag shopping kami sa SM pero ill use my bdo atm to pay.. is that possible even i reach the maximum o
Hi marian, yes, dapat sa BDO branch mo mismo. Present your valid IDs. Merong charge. Kung Batangas ang branch mo, at you are in another place, ask mo na ngayon pa lang ang BDO branch diyan, kung puede ang interbranch over-the-counter withdrawal, so you can prepare, kapag halimbawa ayaw nila.
hi,ask ko lang naiwan ko yung atm debit card sa batangas tapos hindi pa sha activated kaso 1month pa bago ko makabalik and i need to withraw the money on the 15th, pwede ba ako magover the counter kahit wala yung card and hindi pa sha activated or hindi ko pa na chachange yung pin?
Hi po ask ko if pwede akong mag widraw through representive ng asawa ko sa kanya kc naka pangalan. Maypira n din nia
Hi Jhen, hindi required. Your account can receive money even if your account is not enrolled online.
Thank you. ???? Do I still have to enrol my account online in order to receive money?
Hi Jhen, usually they mean it’s not for depositing cheques. Is this BDO? I’m sad they’re doing this. I bet they want to prevent people from opening accounts just to deposit a cheque, and then close the account after a month. Maybe after 12 months, you can ask them if your account can already receive a cheque deposit, since you’ve already proven you can maintain an account not just for cheque encashment. About online transactions: Yes, you can enroll your account in online banking. Yes, your foreign employer can remit to your account. Yes, people can send money to your account online if their banks offer local online interbank transfer services.
Hi po. I recently opened an ATM only savings account and they say it’s cash deposit only. Ano po ibig sabihin nun? Pwede po ba akong magdeposit online? I mean, if I have an online job, and I will cashout my earnings, madedeposit po ba yan sa account ko? And can I register it online? Thanks po for answering. ????
Hi po. I recently opened an ATM only savings account and they say it’s cash deposit only. Ano po ibig sabihin nun? Pwede po ba akong magdeposit online? I mean, if I have an online job, and I will cashout my earnings, madedeposit po ba yan sa account ko? And can I register it online? Thanks po fr answering. ????
Hi J, I think so — that they’ll issue you an atm card upon request. If there’s a reason that they no longer allow this, then open a passbook-with-atm-card account, after which close your passbook-only account. About closure: close it after 30 days, as there’s a penalty for closing an account within 30 days after opening.
Hi eman, meron na bang 1 month ang account mo? Yes, puede. Pag 0.00 ang balance after you withdraw, it will be automatically closed.
pwede po ba iwidraw lahat ng balance mo sa bdo peso saving??for example 12,000 balance mo,pwede mo po ba ito iwidraw lahat?
pwede ko po ba iwidraw lahat ng balance sa bdo peso savings account q?for example ang balance ay 12,000 pwede ko po b ito iwidraw lahat??
Hello Nora. The problem is I only applied for an Passbook ONLY Savings account option instead of Passbook AND ATM option. I just found out that an ATM number is required to register for online banking. Question is Will the BDO branch still give me an ATM if I request for it?
Hi J, if you already have activated your atm card, then yes, enroll in BDO online banking. Just click Online Banking Login, then “Enroll now!” at bdo.com.ph
Hello. I recently applied for a BDO Passbook Savings Account. Am I eligible to register an online banking account to check my balance?
Hi Reyn, I hope nakawidro na kayo uli. Pag hindi pa, sa over-the-counter na lang kayo magwidro. Sabihin nio hindi kayo makawidro at ang response ng machine ay ____. Pag other BDO branch, merong 100 peso charge for interbranch withdrawal charge.
Hi..mareach n nmin yung 50k n limit..nka more than 24hrs.na bkit ayaw p din mg release ng money..any idea about it..thank you
Hi Dennis, puede kang magwidro using your atm card. Kung gusto mo na mapalitan yong passbook mo, present a notarized Affidavit of Loss and your IDs at your branch in person. Kung ang tanong mo naman is puede ba makuha/manakaw ng iba yong laman? May konting possibility, meaning puedeng mawidro ng iba ang pera mo kung magaya nila exactly ang signature mo na andon sa BDO’s records, at kung meron silang maipakitang ID na ID mo halimbawa i-require ng teller. So it’s wise pa rin to report immediately the loss of your passbook at ipa-hold. Call 00-800-8-631-8000 or 00-632 631 8000.
Hi Mrs. Nora ask ko lng po kung ano po mangyayari sa savings ko kung nwala o may hindi magandang nangyari sa passbook ko..?paano po ita mkukuha?
Hi Macoy, welcome, thanks too
Thank you Ms. Nora nakatulong po ng malaki.
Hi Mero, yes, pero merong interbranch fee na 100 pesos. Pero merong case na kapag hindi nila ma-access yong signature ng asawa mo, usually papupuntahin ka sa branch nio. Dapat dala mo ang passbook at ID mo at ID ng husband mo kung meron. About the old withdrawal slip, hindi ko sure kung i-accept nila. Makiusap ka na lang. Sabihin mo yan yong form na nadala ng asawa mo sa abroad.
Hello mrs nora pede po ba ako mag widraw sa kahit saang bdo branch? representative lang po ako..at ung old wudrawal slip gamit na may signature ng asawa ko..salamat po maam nora sana po matugunan niyo po ang tanong ko
Hi dencio, have you changed your atm PIN at a BDO machine here in the Phils? Does it have a Mastercard logo? If yes, find an atm with mastercard logo and make a balance inquiry. The charge will be 1 US dollar.
Hi Macoy, ayaw din ba ng BDO na tanggapin yong cheque for deposit to your Kabayan account? About depositing a Philippine cheque to a bank abroad, depende sa bank branch mo abroad, you need to ask. If they accept, there would be charges, since they’ll be making a foreign transaction, and it will take some time. Another option: your sister calls your former company, and ask if she can present a SPA from you so they can reissue your check in her name.
Good day Ms. Nora ask ko lang po kung pwede pong i deposit ung BDO Cheque sa foreign bank?. For deposit lang po kasi sa account ko ung cheke from my previous company wala naman po akong philippine bank account maliban sa kabayan savings. Hindi rin ma encash ng sister ko kahit may SPA na kami dahil for deposit only lang ung cheke. May iba pa po bang way? Thank po
pano po ba m check ang bdo kabayan account dto po me Saudi bale personal ko po n account un
Hi Mero, sorry hindi ko ma-sure. Pero most likely puede. Subukan mo na lang. Ang alam kong mas importante ay yong signature niya. Dapat makita nila na exactly the same yong signature ng asawa mo sa withdrawal slip at sa records nila
Hi pwede ko ba gamitin ung old widrawal slip na my perma asawa ko?my id
Sirnasa abroad po kasi asawa ko.nagpadala po siya ng widrawal slip para mka widraw ako sa account niya kaso ang problema po ang napadala niya na widrawal slip is ung luma po na widrawal slip..pero my id at hand written authourization po siya at ang pasbook po niya nasakin..ask ko lang po if ok na po ba ung luma na widrawal slip niy na my perma niya
Hi Lani, yes, your husband can send money to your BDO account. Just give him your account name, account number (12 digits, with 00) and branch name. Check your balance sa atm the next day or within 3 days after he sent money to your account.
Hi just want to ask if my hubby can send money using bdo accnt.passbook,how po?just giving him b my accnt.num.and name?panu ko malalaman if just in case nakapasok na ung pera tnx.po
Hi Berni, palagay ko hindi nila agad idede-activate kasi payroll account. Nako-close lang ang payroll account after a certain period na walang deposit. Besides, meron pa silang ine-expect na “to-be-returned” so they will let your account stay active. If you can deposit the money back today or within the next few days, then deposit it back, pero kung wala talaga, siguro ipagpalagay na lang na you did not notice the over-withdrawal, na you’re the type of person na hindi nagku-kwenta, puede naman siguro na it can wait until Nov 15. If they call, sabihin mo na lang na you don’t have 5k at the moment, and will they please get the money back on Nov 15, your next payroll.
Hi celine, sana tinanong mo kung bakit naka-float. Kung dollars naman na na-remit, dapat hindi ganon katagal. Next time siguro, huwag na sa BDO magpadala kung ganon ang practice nila. Baka mas okay pa na for cash pickup in dollars na lang.
Hi! ask ko po sana kung bakit hindi ko ma withdraw ang dollars na idineposit last nov.2 sa akin kabayan account…sabi ng teller ay naka float pa daw at hindi pa pwede i withdraw, sa nov.9 pa daw ito pwede i transact for withdrwal.bakit po ganun?
maraming salamat po sa pag sagot. although i’m intending to deposit back naman, i’m thinking of just using the excess money for now. since my bdo account is also my payroll account, on november 15 ay maipapasok naman ng employer ko ang salary ko, and since negative 5k sya, ibabawas lang naman siguro yun sa salary ko.
okay lang naman po siguro kung pabayaan ko nalang po munang negative for now? or maiinstant deactivate po yung account ko? salamat po
Hi Berni, BDO will call you and inform you about the over-withdrawal and will ask you to deposit back 5k. They might send you a demand letter by postal mail or courier. You’ll be on their watch-out list. I doubt if they’ll sue as the amount is only 5k, but they might make your case as an example.
ano ang mangyayari kung nag over-withdrawal ng 5k, late nag update online at nag appear na negative 5k ang account ko ngayon. and as per checking my records, sobra nga ang nawithdraw ko. what are the implications kung hindi ko nalang ibalik? what if lang naman
Hi Rosel, malamang closed na ang account mo, kasi kahit meron pang centavos na natira noong August, na-charge na siya ng 300-peso penalty noong September, so naging negative balance na siya, at automatically na-closed na. If you like to call BDO, call 631 8000
regarding sa atm account po. ilang months po bago ito madeactivate since naubusan na po sya ng pera since august until now. sa ngayon po ay di ako makapunta sa branch para magtanong. kaya dito na lang po salamat.
Is there any inter-change branch fee when you encash a cheque in other bdo branch?
Hi Len, yes, kung passbook account ang account mo. Bring your IDs. Merong interbank charge. If your account is atm-based, most likely they will ask you to withdraw at your bank because you’re withdrawing a big amount.
Pwd ba q mag withdraw ng malaking halaga sa branch lng ng bangko, pero hnd aq dun nag open account.
Hi Djoana.arroyo, sorry hindi nila tatanggapin. Dapat cheque na nakapangalan sa iyo ang idedeposit mo sa account mo.
Hi Ethel, yes, pero merong charge na 100 pesos. Show at least 2 valid IDs. Meron ding branches na sasabihin nila na magwidro ka sa branch where you opened your account.
HI Po goodafternoon..Na misplace ko po ang BDO Debit card ko.Pwede po ba akong mag withdraw over the counter?
Hello ask ko.lang po if pwede mag deposit ng cheke sa account ko kahit nd sakin Naka pangalan ung cheke?
Hi Rish, kung student pa lang, at yong school ID mo ay digitized at merong photo, your signature, signature of school head and validity dates, dapat tinanggap. Meron ka pang supporting docs. Anong advice ng teller? Yan ba ang branch ng nag-issue ng cheque? Try mo doon sa issuing branch. Kung ayaw pa rin nila, open a BPI Easy Saver account at BPI Family Bank. Ask them kung puedeng initial deposit mo ay cheque at cash.
Hi po ask ko lng po bakit hnd po tinaggap ung school id ko and pagibig loyalty card and baranggay id 3 po pinakita ko para sure kaso hnd po tinanggap papapalit ko po kasi ung cheque ko. Ang sungit pa po ng teller. -.-
(Shawbldv. Stanford. Bdo)
Hi Gelo, hindi naman crossed ang cheque mo? Kung branch mo siguro yong BDO branch na nasa SM Mall, baka puede. Kung okay sa kanila, palagay ko up to 4pm lang. Sorry I haven’t experienced encashing on Saturdays. I deposited a cheque on a Saturday at a mall branch; they accepted it, but they told me it would be deposited the next Monday.
Pede po ba ako magEncash ng cheque sa saturday? kung pede, hanggang anong oras po pde?
Hi jon, uncrossed ba ang cheques mo? Meaning walang “For payee’s account only”? If yes, you can encash your cheques at any branch. Bring your IDs. But you will be charged for interbranch encashment; maybe 100 pesos each.
yung cheke ko po ay galing ng BDO Quezon Branch at yung isa ay sa Las Piñas. pwede ko po bang i-encash yun sa kahit anong branch ng BDO?
pwede ko po bang i-encash ang cheke ko sa kahit anong branch ng BDO?
Hi Dan, sorry ang Metrobank online banking ay walang fund transfer to another bank. Sa RCBC, meron, pero sa Bancnet bank lang. Megalink kasi ang BDO. Hindi pa full yong Bancnet-Megalink merger. So ang option mo is to send to the BDO cash card through a BDO remittance partner diyan. Kung generic cash card, up to 10k pesos lang ang puedeng ma-contain ng card at a time. Pag merong name on the card, up to 25k pesos.
Hi jenalyne, if you have withdrawn via the atm the equivalent of 50k pesos today, you have no other option other than to wait for tomorrow to make your next withdrawal. If you were in the Philippines, you would have been able to go to the BDO counter and withdraw more, but since you’re there in Malaysia, you just have to wait for tomorrow.
hello,what should i do when my account has limit exeeded am in malaysia how can i withdraw my money on my atm
Thanks sa reply Ms. Nora, dito kasi ako abroad. Possible kaya yun na (1) bank transfer from RCBC or Metrobank to BDO Cash Card o (2) sa remittance center dito?
Mag 1 month na po na hndi ko nakuha atm ko sa bdo mula nung nag open ako ng account. Pag kumagpas po b ng 1 month hndi n mkukuha ang atm.. tnks po
Hi Dan, kapag cash card ang depositohan mo, 16 digits ang card number. It’s a card number, not an account number. Ang cash card kasi ay reloadable card lang, hindi siya savings account. There’s a fee to deposit to a card number. 15 pesos yata ngayon. So if there’s a cash accept machine sa branch na pupuntahan mo, yon na lang ang gamitin mo. Free deposit. Touch mo yong “Cardless Deposit” sa screen.
Hi rap, yes, puede kang madeposit ng cheque paid to you sa savings account mo
hello, pwede ba akung magdeposit ng cheque sa passbook savings account ko sa bdo?iconfirm ko lang po
Hi, ask ko lang since 12 digit ang account # sa BDO, ganun din ba sa BDO Cash Card. Kasi kailangan ko mag-deposit sa account ng pinsan ko. Card # naman binigay niya, at yun din daw yung account #. Eh 17 digits yun.
Hi she, ang ibig mo bang sabihin ay na-issue ang cheque by a bank in Metro Manila? At i-encash mo sa branch ng bank in Bicol? First, sabi mo postdated check, dapat i-encash mo lang yan on the date of cheque. Hindi ba crossed-check yang tseke? Yong merong 2 diagonal lines sa top-left ng tseke? Or walang nakasulat na “For Payee’s Account only”? Kung hindi crossed-check, yes, puede mong i-encash diyan sa branch sa Bicol, basta online yong branch, at most likely merong charge. There are also times that the branch will advise you to deposit the cheque in your account.
hi, good day. tanung ko lang po, pwede po ba e enash ang post dated cheque sa ibang branch?, let us say nadeposit cheque sa manila then e encash sa bikol, is it possible po?thanks
Hi Alexandra, are your checks not crossed checks? Just bring your IDs. Make sure you are signing at the right space at the back of the check. If you’re not sure, do not sign yet until you’ve asked the teller.
Good evening! May I know the requirements/things to know for encashing checks in BDO? Thank you in advance.
Hi gerry, I just called BDO and they said yes, you can remit to your payroll account from abroad. That will be a signal that you intend to use your payroll account as a regular account. From now on, you will need to comply with the 2k maintaining balance requirement. Just a suggestion: ask your remitter how much you will pay if you want to send an amount in peso, meaning the foreign currency-to-peso conversion happens there abroad. I’ve observed that BDO uses a very low conversion rate when converting a foreign currency to peso when the remittance is deposited to an account.
Hi Rowena, I just called the BDO customer service now, and they said yes, but you need to visit your branch of account and convert your payroll account into a regular atm savings account. You will then need to comply with the 2k maintaining balance requirement. If you’re already in another place, it might be better to open your own BDO atm savings account. It will be your own. You just need 2 valid IDs, 2 ID pictures and 2k for maintaining balance. Other options: There’s a BPI Family atm savings account whose maintaining balance is only 1k. There’s also this BPI Easy Saver account
hipo nagresign po ako sa company.pde o ba magamit yun atm ko sa salary para magdeposit dun
hi, pwede po b mgdeposit sa payroll acount pero from abroad mgdideposit? active p kasi yung payroll acount ko for any ttansaction. malaki kasi charge pgng withidraw sa kabayan mastercard kahit dito pinas. thanks sa reply
Hi Bryan, hindi puedeng ideposit sa friend’s account mo ang cheque mo kasi name mo ang nasa cheque. Dapat ideposit mo sa account mo kahit anong bank, basta pareho yong name sa cheque at sa name ng account. Kung yang cheque ay walang 2 diagonal lines sa top left corner or walang naka-mark na “For Payee’s Account Only”, puede mo yang i-encash over the counter sa MayBank. Present your IDs.
Hi Marivel, puede mo lang mawidro yong pera mo over the counter at BDO here in the Philippines, or diyan sa abroad if your atm card has a Mastercard or Visa logo and you have changed your default PIN when you were in the Philippines. The person you trusted with your passbook, puede nilang mawidro yong pera mo kung matulad nila exactly yong signature mo na nasa BDO system,at kung nagkataon na yong teller hindi na ni-require ang valid ID. So better call BDO 00-800-8-6318000 to put on hold your money.
Hello po ask ko lng po kung pwede I withdraw ung pera ko from passbook kc kc pina virefied ko lang po sa iba?eh ung passbook ko po d binabalik sa akin.eh nasa abroad po ako mg 4month n po kc.worried n po kc ako.
Hi. May nagbayad sa akin nang cheque(maybank) and i want it to deposit in my friends Bdo savings account. Is that possible?
If Yes, Saan pong banko ako pupunta para ideposit ito?
Sa mAybank or sa BDO? Thanks.
Hi jojo, yes, the maximum atm withdrawal per day is 50k. After this 50k atm withdrawal, you can go inside the bank and withdraw over the counter for free (but if done at another branch, you might be charged 100 pesos for interbranch withdrawal). Today, you can try withdrawing 50k, and if not successful, go inside and withdraw over the counter. Inform the teller the machine has denied your atm attempt; ask her if it was because of your 50k atm withdrawal the other day. Present withdrawal slip, your ID and your atm card.
Hi Mae, yes, interbranch withdrawal is allowed, with 100-peso charge. I’ve experienced interbranch withdrawals in Metro Mla. Yes, I think you can withdraw 500k over the counter. We’ve asked this question at a BDO branch in La Union before. Wala naman yatang BDO branch na too small na walang ready 500k on any day. But to be sure, call your branch today and ask. List of BDO branches nationwide and contact info
Hello, my bibilhin kasi kaming lupa sa province. And the seller only wants cash,ayaw ng cheke etc wala din sila bank accts. Heres my question, 500k over the counter withdrawal sa bdo allowed po ba ganun kalaki amount? Interbranch transaction po. Thanks!
after withdrawing 50,000 , ibig sabihing po im done with the limit per day. so the following day po ba pwede na ulit mag withdraw? kasi po sinubukan ko yung procedure the following day,hindi po ako maka transact.
Hi Tom, yes, puede, pero withdraw at your own branch, para mas konti ang charge, at para sure kasi new account pa lang. Kung merong passbook, walang charge ang over-the-counter (OTC) withdrawal. Pag atm-only account, there’s a charge for OTC withdrawal. There’s also another charge for withdrawing OTC at another branch.
Hi po. Tanong ko lang po kung pwede mag over the counter withdrawal sa kahit saang bdo branch? Wala pa kc yung card for my account kaya di pa maka atm withdrawal. Thanks.
Hi Juvy, yes, papasok dapat yon, kasi alam naman ng BDO yong 00. Yong pag-credit sa account, puedeng the same day, or the next day, depende sa remittance company.
Hi po. Required po ba ung 00 na ilagay before the 10digit acct number for remittance? Ang nangyari po kasi, nairegister ko ung acct number ko without the 00 sa remittance center dito sa ibang bansa. Papasok po ba un sa acct? Tska ilang oras po bago magreflect sa acct ko? Thanks.
Hi Lynn, yes, idagdag mo na yong 00 sa unahan ng 10 digits mo. 🙂 Merong teller na oks lang na 10 digits; merong teller pinapasulat yong 12-digits. Sa online funds transfer, 12 digits ang required.
Hi. Ask ko lang po. Kaka open ko lang kasi ng bdo account 5days ago. Yung binigay na account number sakin 10digits lang po. If may mag deposit po ba sa account ko kailangan ko ibigay sakanila is 12digits? Do i need to add 00 sa account number ko? Thanksin advance 🙂
Hi flor, yong check mo ba ay hindi cross-checked na dapat ideposit? If ok for encashment, yes, you can encash there but there will be a charge, and you might be made to wait while they verify the signature on the check and if it’s funded with the BDO Taytay branch
kung ang cheque ko po ay bdo taytay branch, puede ko po ba eto en cash sa bdo antipolo branch?
Hi Marie, sad to say, most likely hindi ka makakakuha, kasi paano mo i-prove sa BDO na ikaw yong nagdeposit? Ang makakakuha niyan ay yong account owner. At usually merong charge kasi magre-retrieve sila ng document. Pero kausapin mo na lang yong account owner na nagdeposit ka na at sabihin mo na tingnan na lang niya sa online banking niya. Sabihin mo yong amount and date and time ka nagdeposit at yong branch where you deposited.
Hi, ask ko lang po . Nawala ko po kasi yung receipt ng pag ideneposit ko sa isang account. Tapos nanghihingi na po yung may ari ng account ng resibo. Pwede ba akong makakuha ng bagong resibo? Please help me 🙁
Hi po…ask ko lng po jung pwede po bang mgwidraw ng dollar khit saang branch ng bdo?kasi po ng.open po ako ng dollar acc s manila at uuwi ako ng mindanao…kung dun ko po wiwidrawhin s mindanao, mkakawidraw po ba ako ng dollar?ang wiwidrawhin ko po kc is about 2500usd…slamat po
Hi Dian, I think your cash card is still active. You can make a balance inquiry at a BDO atm to check. BDO says it might impose a fee on cash cards not used for more than 6 months, so it’s better that you go to your branch and ask.
Hi Vishu, there’s no maximum limit on the amount of money that you can withdraw over the counter. You can withdraw all your money if you like. If your account is an atm-only account, and you’ll be withdrawing more than 50,000 pesos, you will be required to withdraw 50,000 pesos first from the atm then withdraw the rest over the counter.
HiNora please don’t ignore my inquiry, is there a limit for cash withrawal over the counter? Please response
Hi i have a bdo cash card which was dormant for 1 year and 6 months. Can i still activate it? Is there a fee? How much?
Hi asuncion, is your cheque uncrosssed? You can try, but I think there’s an interbranch fee. Sorry I’m not sure. What I’m sure of is they charge a fee for interbranch withdrawal over the counter so they might also charge interbranch encashment. It’s okay to ask first. If the line is long, you can ask those sitting on the lower counters.
hello ms nora. i just want to know if i can encash my check to any bdo branches. malayo kasi yung issuing na branch at my malapit sa work place ko. pwd ba dun na lmng
hi..can i encash my bdo check to any branch of the bdo?
Hi Jhen, yes, that’s okay. Most checks are valid for 6 months, but it’s always wise to encash or deposit as soon as possible because of the possibility the issuer faces financial difficulties. Some government checks have validity dates.
Hi, until when is the validity of a check once issued? Im planning to enchash my last pay check a week after the date it was issued. Is it okay?
We have BDo payroll cash card.
Would it be possible for me to get a Transaction history of my card?
Hi Roneth, yes, your Kabayan account can receive any amount of money. Technically, there’s no maximum limit. To comply with money laundering laws, BDO might check first the source and purpose of the remittance before crediting the amount to your account. If it’s a local transfer within the Philippines, it will be credited immediately or within the time frame of the type of transfer taken.
Hi Regs, sorry you cannot encash that cheque because the payee on the cheque is not your name. If your brother has a bank account, deposit the cheque to his account. If none, ask the bank branch that issued that cheque if you can present a SPA to encash the cheque. If the bank refuses, ask the issuer of the cheque if your brother can write an authorization to them so they can reissue the cheque in your name
Hi can I encash the cheque issued to my brother? He signed at the back of the cheque. He’s not here in Pinas. What can I do to encash the cheque? Thanks a lot
hi! I just want to ask. my friend wants to transfer money in my account worth of 2M. but my bdo account is kabayan peso saving. it is okay?
Hi Norsheen, is yours a BDO account? Visit your branch with your ID and ask for your correct account number — it should consist of 10 digits (12 digits if you add 00 at the start). Or look for your initial deposit slip and check your account number.
hi! my friend want to deposit some money in my account number. but i only have 9 digits. and the deposit can’t be processed because my account number lacks one digit. What should I do? my friend is in europe. thank you
Hi Joan, yes, many checks are handwritten. When you write the amount in words, make sure there is little or no space at the start so that no one can write any additional number there. You might want to read my post about cheques or checks and checking accounts
Hi, I just want to ask if I can fill in the check that I got from BDO. (I recently open a Checking account)in a hand written way before I can issue it to somebody, with my signature at the bottom. Please advise Thanks,
Hi Jihye, if it’s not closed, why do you need an ID in relation to your account? You can withdraw using your atm. If you need a valid ID, then obtain a new ID. Apply for a digitized postal ID.
Hi anthony lowes, yes, you can withdraw at any branch. You’ll pay an interbranch withdrawal fee. If your account has had no deposit or withdrawal for 2 years or more already, most likely it’s dormant already and has been put on hold. If this is the status, you should visit your branch of account with at least 2 valid IDs to reactivate your account. If not sure, you can try withdrawing at any branch. They’ll tell you the status of your account.
hello. can I withdraw over the counter using my passbook at any bdo branch? But my passbook has not been updated since 2014 when I had my last transaction..
Hi! It isn’t closed just my ID was expired. What should i do?
Hi Jane, yes, if her account is a passbook account. Bring her passbook and your IDs. She should sign the withdrawal slip. Her signature should be exactly the same as what is on the BDO system.
Hi. Can I withdraw over-the-counter in behalf of my sister (will withdraw from her account)? Thank you!
Hi Jihye, is your account closed? Do you have a balance in your account? BDO does not reactivate closed accounts. Obtain new IDs, so you can open a new account with unexpired valid IDs
Hi Jan, yes, there are BDO branches whose codes start at zero. Then if you add the 00 code for savings, that would be 3 zeroes. Your full account no. should be 12 digits.
Hi Che, if your sister was able to check your balance, your account must still be active. Try using this BDO Remit Status Inquiry. If the tag of your account is still “payroll,” it might not be able to receive a remittance. If the remittance does not appear in 5 days, you either call BDO from there overseas toll free or amend your remittance from deposit to CASH PICKUP so your sister can just claim over the counter at BDO. When she claims the remittance, she brings her IDs so she can apply for her own Kabayan account, if you decide so.
Hi, i have a savings acct that came from my company which is where my salary is being deposit but i already resigned last year. The last transaction was made i think is december 2015 or january 2016 which is a deposit then on april 2015 a withdrawal was made and nothing else follow.. id like to know if my savings acct is still active because an exchange company here in UAE says that it is deposited because my sister checked thrice but there is no balance appearing..
Is it possible to have first 3 zeroes on your savings account?
Hi! I just want to ask, what will happen to my account? Because my ID’s are expired and i forgot to renew.
Hi jp, those IDs are not primary IDs because there are no photos, or the photos are not clear or not embedded, but if those are the only IDs that you have, you can try. If the teller refuses to encash, ask her if they accept the new digitized postal ID, so you can get a postal ID.
hi nora imean philhealth and police/nbi??
to encash my cheque?? thank you
Hi jp, your SSS ID is enough to encash your check. But you can bring your police clearance and NBI in case additional ID is required (usually if the check amount is big).
hi is it possible now to encash my cheque using police clearance and sss id or nbi??
Hi michelle, yes, most branches allow interbranch withdrawal. You’ll pay 100 pesos for interbranch withdrawal and maybe another 100 for over the counter withdrawal if your account is an atm-only account. Bring your IDs in case they’re required.
Hi! I want to withdraw my savings from my own check account. Can I do it in any BDO branch?
Hi Karen Grace, sorry I’m not sure. Is your BDO branch here? Try at your branch. Bring your IDs. If allowed, you’ll pay 100 pesos.
Hi, I’m Karen i forgot my atm in the province. Can I withdraw my salary using my account number? Thank you.. 🙂
Hi sayaka, is the BDO branch where you encashed your check not the branch written on your check? If yes, the 100 is for interbranch encashment. Please write again if it’s the same branch — I’m curious if there’s another fee to be learned.
Hi Justin, valid IDs are company ID, SSS ID, passport, driver’s license, voters ID. But if you don’t have any of these, you can try presenting those docs that you have. If they don’t honor those, ask them if they honor the new digitized postal ID, so you can apply for a postal ID in your local post office.
Hi! Please help me. I need to encash my Check from BDO. What valid IDs do they honor?
Will a police clearance, nbi clearance, and a nso birth cert do? Thanks.
hi…i encash my cheque last monday may 23,2016.the teller said minus 100 pesos. i wasnt able to ask why. thank you!
Hi Paolo, if your account is a passbook account, you can withdraw over the counter at any branch. You’ll pay 100 pesos; could be 150 now. Your signature on the withdrawal slip should be exactly the same as the one on their database, or else they’ll ask you to go to your branch. They might ask certain verification questions first and ask for more valid IDs if you withdraw 500k or more. They could also have a maximum amount for interbranch withdrawal — I’ve tried only up to 180k. If your account is an atm-only account, they’ll ask you to first withdraw 50k from the atm (the maximum atm withdrawal amount per day), and then withdraw the rest over the counter (with 100 to 150 interbranch fee).
Hi, Can I withdraw a large amount (100k – 1M) over the counter from any BDO branch other than my personal one? Will there be a fee and how much? Thanks.
Hi roana, sorry BDO won’t honor expired IDs. I’m not sure if they now honor the new digitized postal ID. What I’ve read is that the DFA now honors this digitized postal ID for the issuance of a passport, which is a primary valid ID.
Hi can we use NBI just expired this march 2016 and old college school id?
Hi jing, usually your ID is not required, as long as you have your passbook, your signature is exactly the same as your signature in their records, and you’re not withdrawing an amount in the hundred thousands. Yes, one ID should be enough if they need to see it.
HELLO po. Do I need 2 valid ids to withdraw using my passbook. I’ve only one valid id. tnx
Hi Jade, sad to say, banks do not honor authorization letters for check encashment. You can call your sister’s former company and ask if your sister can give them an authorization letter so they can replace their check and issue the replacement check in your name. Another option is to go to the bank branch written on the check and ask if your sister can send you a SPA so you can encash the check with them.
Hello. How can I encash my sister’s cheque if she is already in Canada? She doesn’t have an account in BDO. This cheque was her quit claim from the last company she worked with here in PH. Can my sister just issue an authorization letter so I can encash it?
Hi Riann, since you’re using your passbook, and it’s over the counter, there’s no maximum limit for withdrawal. You can withdraw as much as you want. They might ask for IDs if the amount is big.
hi Nora! How much money is allowed to withdraw using a passbook in one day?thank you
Which valid ID would be presented in encashing payroll Check, primary id or secondary ID? What are those primary id and what are those secondary id?
Hi augie, since this is a deposit, there will be no requirements other than to fill up the BDO check deposit form. If the back of the check has a designated space for payee’s name and account no., then she can write your name and account no., but not sign. If there are no designated spaces, or she’s not sure, she should not write anything until the teller tells her what to write and where.
hi Nora, i have a check under my name from other bank and my wife will deposit it under my bdo account in my behalf as i am abroad, what should she do and if there are requirements, what are they?
thanks a lot
Hi Marvin, yes, you can withdraw US dollars at any branch, except at branches where they have run out of US dollars at the time you withdraw. Interbank withdrawal fee is 100 pesos; sorry I don’t know if it’s the same with US dollar accounts.
Hi. I have a kabayan us dollar account. When I get back home, can I withdraw US dollars at any branch? Or only at my branch of account? Is there a withdrawal charge? Thanks po.
Hi Carla, sorry I’m not very sure, but BDO’s account number usually consists of 10 digits, excluding the 2 zeros. Double check the number.
Hi, is it possible for an account number to on ly have 9 digits (excluding the 2 zeros)?
Hi erik john, NBI clearance is usually considered a secondary ID, but you try. Bring additional identification document. Ask the bank if they accept the new digitized postal ID so you can apply for this ID. If you have a bank account, it’s easier to deposit your cheque to your account.
Hi Carmie, do you mean the remittance was sent to your BDO account? Yes, you can withdraw at any BDO branch in QC. You’ll pay 100 pesos. Bring your ID in case they require it.
Can I withdraw at a BDO branch here in QC using my passbook? Even if the remittance was sent to the montalban branch?
Hi mrs Nora. Is police clearance considered a valid ID if I I encash my cheque? I lost my valid ID po.
Hi Aries, yes, you can deposit your papa’s cheque to his account. Anyone can deposit cash or cheque to your papa’s account. How to deposit? Go to your papa’s bank. Fill up the Check Deposit slip. Write your papa’s account no., account name, date. Look at the columns. You’ll write the name of bank that issued the cheque, branch, cheque no., amount of cheque, total amount. Sometimes there’s a stamped space where you write your contact no. Present the cheque and deposit slip to the teller. Usually the teller will ask you to write your papa’s name and account no. at the back of the cheque. Be careful when writing at the back of the cheque. Write only on the correct spaces allotted.
Can I deposit my papa’s cheque to his account even if it’s for cash deposit only. the teller told me I can deposit to his account even if he is abroad. what’s the process of depositing a cheque. I’m the child of the account owner.
Ok mrs Nora. Tnx
Hi Matesh, do you mean you and your lolo have applied for a new card, and that they will issue the card after your lolo gives his US TIN no.? I asked because you need to make sure of the requirements so your lolo will go to BDO for just one last time and you’ll spend for his transpo for just one more time. Sad to say, but your lolo will really need to go and claim his new atm card. The BDO officers will be liable if they give your lolo’s atm card to another person, even if it’s a spouse, child or grandchild — this is why they’ll really require your lolo to accept his card himself.
Hi Christopher, they charge 100 to 150 pesos for a replacement atm card, but sorry I don’t know if they charge for a replacement passbook. Most likely, they do not. Just bring your ID and damaged passbook.
Will I pay for the passbook if it’s damaged?
Hello po. My lolo’s atm card got lost. He’s disabled and can no longer sign; only thumb marks. We went to BDO for replacement of lost card together with my lolo. But unfortunately they need his TIN from the US so he was not issued a card. And then they said my lolo should claim the new card. My lolo can no longer walk. We just forced him to go with us. And he can no longer go back to claim the card as it’s a hassle for us. What should we do? Thanks
Hi anne, if your check is crossed, meaning you see 2 diagonal lines on the left top corner of the check, or if you see “For Payee’s Account Only,” then you should deposit your check to your bank account (any bank). If not crossed, you can encash your check over the counter at BDO. Present your IDs.
hi… what are the requirements to encash a bdo check. i have one and it is my backpay from mt previous employer. someone said that you need to create an account with 2000 balance. is it true?
Hi Enzy, do you mean you will get a cash advance from the credit card? I think so, because the signature is for merchants to check. But sorry I’m not very sure if atms also check if the card is signed. But you can try.
I received my brother credit card and I ask me to withdraw, I already have the pin number, is it possible without his signature on the back of the card?
Hi Jovit, is there an SM mall there where you are where there’s also a BDO bank inside the mall? You can claim the remittance from BDO inside the mall and then send money at the BDO Remit counter inside the mall (usually at the Customer Service). If there’s no SM mall, ask the BDO branch if they’re offering service of sending money for pickup at another BDO branch. If not, then you can send money through Cebuana Lhuillier or LBC or Western Union. Find a BDO branch near Cebuana or LBC or Western Union.
Later on, if you’ll have a BDO account and BDO online banking, you can send money online using “Send Money” service for cash pickup or to another bank account.
Hi Jovit, yes, I think you can claim because you have your reference no., you know the amount, and you have valid IDs. Write 2 addresses on the claim slip — the address written by the sender first, then your provincial address (barangay, town, province is enough).
Hi Yssa, are you withdrawing from a non-BDO machine? Make allowance for the 15-peso non-BDO atm withdrawal fee. Have you just received your atm card? You can withdraw the next day after changing your PIN. Did you deposit a check? Is it already cleared?
Hi, what does it mean when it’s invalid transaction? I’m not able to withdraw but I can do balance inquiry po. Thanks
Hi mrs Nora can I claim the remittance sent to me by my sibling? I don’t have an account with BDO. I’ll get it over the counter. my valid IDs are passport and unified Id, but the address is not here in the province. Can I claim the money here? Thanks po
Hi Mrs Nora, am I allowed to remit cash over the counter at any bdo branch if the money came from other country? What are also the requirements needed? Thank you
Hi vilma, if you have a passbook, it’s better to present your passbook for updating. If your account is atm-only, the teller will advise you to withdraw from the atm machine, or tell you that there’s a 100-peso charge for over-the-counter withdrawal for atm-only account, and the teller might ask for your atm card or IDs. Another option is to go to the tellers at the sides (lower counters), present your IDs and account no. and ask if you already have remittance in your account.
Can i withdraw from my account over the counter even if I have not claimed my atm card to see if there’s already money in my account? Tnx
Hi Paula Bianca, yes, but you’ll pay 100 pesos for interbranch over-the-counter withdrawal.
other bdo branches?
Can i withdraw using my kabayan peso saving passbook in other BDO branch?
hello im BDO kabayan holder passbook can i use my passbook to withdraw in other branch?
My dad left his bdo kabayan card, but since yesterday we kept on trying to withdraw money from the atm but it says “Withdrawal maximum reached”. But i can’t even withdraw because of that thing, do you think i can go to the teller and get some money from the counter even if its from my dad? He’s an ofw kasi.
Hi bernadette, yes, based on online comments, once BDO detects that a payroll account is no longer used for payroll, it automatically converts it to a regular account. This means you need to maintain at least 2,000 in your account to avoid getting charged of the 300-peso penalty after 2 consecutive months of falling below the maintaining-balance requirement.
Hi Trisha, you can withdraw from the atm up to 50,000 per day and up to 5 withdrawals per day. Maximum per withdrawal is 10,000. If you like to withdraw over the counter, you should present your passbook because your account is a passbook account. Those with atm-only account, they’re required to withdraw first 50,000 from the atm before withdrawing more over the counter.
Hi! Just want to ask.i have an kabayan account atm w/ passbook but the I leave my passbook to my mom in our province.can I possible withdraw using atm card over the counter.& If can,how much the limit?
Can I convert payroll account to personal or savings account after resigning from previous employer? mine is bdo atm debit card.
Hello po yung bdo kabayan savings ng papa ko is ako naghahawak seaman po sya so dun sya nagpapadala buwan buwan ngayon po nung nag check ako atm lumabas po is unathorized my card is invalid..panu po yun e yung papa kopo e e nsa barko anu po gagawin ko
Hi Thess, years ago, BDO does not want payroll accounts to be used as personal accounts after separation from the company. But now, I’ve heard that after the BDO system detects that a certain account is no longer used for payroll, it converts the account into a regular account with regular maintaining balance requirement. So if you want to use your payroll account for personal use, maintain the required balance, which is 2,000 pesos if the account is an atm savings account.
Hi Willfy, sad to say, the name on the check should be the same as the name on the account where it is to be deposited. Your wife can ask the bank branch that issued the cheque of she can present a Philippine-consulate-verified SPA from you so she can encash the check.
Hi! Is payroll account automatically closed once resigned? If not what will happen and for how long before it is closed? Thanks
hi I’m here in saipan my bdo acct is close a yr ago back in philippines sunlife refunded my money and issued this a cheque how can I encashed that? Or can it be deposited to my wife’s account?
Hi Anne, sad to say, you’re not allowed to ask for card replacement because it’s not your account. Your mother in law can send money to you for cash pickup at BDO.
Hi nora Am I allowed to change the atm card of my mother-in-law because she forgot her pin code? She has gone abroad and she left us her atm card so she can send us through her bank account. Is that possible?
Hi Sandi, encash at the branch written on the cheque. If you’re at the branch, you can fill a withdrawal slip and a deposit slip, and present them at the same time so you can transfer money from one BDO account to another BDO account. If the receiving account is in a different area code or region, the interbranch charge is 50 pesos. Or ask about over-the-counter money transfer via debit/credit memo — charge is 50 pesos.
Can I encash BDO cheque to any branch? Can I transfer big amount to other BDO acct? How much is the bank charge?
My Kabayan Peso Savings card was captured yesterday, March 22, 2016 in the Philippines, I am here in Abu Dhabi, UAE. i just want to asked what are the options so that my brother can get my card and/or withdraw in my behalf. Please update me in my email. Thank you.
Hi ruby, try at that BDO branch where your atm was captured. You might pay maybe 200 (100 for the interbranch withdrawal and 100 for over-the-counter withdrawal). They might ask for your ID.
Gud am po. Can I withdraw over the counter at another branch even if without ATM? My atm was captured by the machine. thanks po.
Hi Jewel Rani, yes, you can have your husband’s Kabayan passbook updated at the counter. Usually, they don’t ask for IDs because you’re only updating. But bring your marriage certificate, just in case.
good day po. can i update my husband’s bdo kabayan passbook? i don’t have any valid ids as of now, can i bring our marriage cert. as proof of identity? thank u
Hi Rf, BDO says atm balance inquiry abroad costs 1 US dollar. You can remit as much as you can to your BDO account, up to the maximum remittance amount allowed out of Thailand. Banks can transfer much more through wire transfers. Over the counter in the Philippines, you can deposit as much as you want. But if an account owner frequently makes huge deposits that are quickly withdrawn or transferred after, banks are mandated by anti-money laundering laws to ask the source of money and the reason for quick transfers.
Hi, what is the maximum/allowable money that can be deposit on a atm savings account(without passbook) and how much is the fee if i check my balance abroad (ex.thailand)using bdo atm. Thanks
Can i ask my sister got her BDO cheque in previous employer but our problem is my sister is in Taiwan but the cheque is under her name. How can we encash it if my sister is not here in the Philippines and she doesn’t have any savings account to deposit it. The cheque will expired before 6months.
Hi lyanne, have you tried other atm machines? Sorry I don’t know if bdo accepts old withdrawal skips. But you can try. How about calling your husband’s office and ask them if you can open a new account to which they can deposit your allotment, as your husband’s atm card has become damaged and invalid. They should be able to contact your husband to ask permission.
There’s trouble with his atm. He’s not here, he’s onboard. I’m receiving his allotment. Since 2011 till 2015 I was using his atm and there never was a problem. I have the passbook and authorization letter. but the withdrawal slip is not updated. thank you po.
Hi.. can i withdraw using the old withdrawal slip my husband gave me? I was doing only atm transactions previously. We didn’t know bdo changed its withdrawal slip.thank you
Hi Paul, I think no. Since it’s a cash card, you can withdraw only via the atm.
Hi, i have a cash card, can i make a over the counter transaction? I didn’t bring my card, need to withdraw. Thanks.
Hi Bonifacio, try using only the first 6 digits that you entered. I think the machine recognized only the first 6 digits you entered. BDO PIN consists of only 6 digits. If your atm is blocked, try again after 24 hours, and if still not successful, go back to your branch and ask. You might have to replace your cash card.
a time later, i visit to ATMs here near to my home, i have putted 8 digits PIN for my cashcard, but when i want it to withdraw my remaining balance, the machine doesn’t withdraw my desire balance to withdraw, what should i do and is it ok, that my PIN reached to 8 digit, since when i check my balance, it gives me the info of what my balance remain.
Hi Rosalie, you should be able to withdraw. But there might be some issue or concern with your account. Withdraw over the counter — if the teller advises you to withdraw via the atm, tell the teller the atm is telling you you’ve exceeded the limit even if you have not yet withdrawn today. You can also call BDO 631 8000.
last january 19 and 20, i withdrew 100K from my bdo account. why i cant withdraw the other day until today, telling exceeding daily limit of 50k. when is the time im allowed to withdraw?
Hi Jun, you must have reached your daily maximum atm withdrawal limit of 50k or 5 withdrawals. Are you sure it was Inquire Balance/Balance Inquiry that you pressed? I think there’s no daily maximum limit for atm balance inquiry, or do they have a limit now?
Or is this a BDO cash card? Maybe BDO has a limit on cash card’s balance inquiry because they charge 2 pesos per atm withdrawal. Or maybe a cash card balance inquiry via atm is replied to only if there’s a balance in the cash card.
Hi it says it reached my daily account limit when checking my balance and it asked me to put an amount? Why is that so? I was supposed to check. Not to withdraw.
Hi Joanah, your husband should sign the withdrawal slip, authorizing you as his representative. Yes, at most branches, but you will pay interbranch withdrawal charge. If your account is an atm-only account, you could be also charged for over-the-counter withdrawal.
Hello poh.. Can i ask if i can over the counter withdraw at any branch? I just need to withdraw from my husband’s account. Thank you poh
Hi JC, basically, no. The one withdrawing will have to know your complete name and be able to sign the same signature as your signature stored in the BDO database. The teller usually also ask for the atm card or an ID. For atm-only accounts, account owners are required to withdraw from the machine first, up to 50k, before they can withdraw over the counter. For passbook accounts, the passbook needs to be presented. For extra precaution, in the meantime, if you like, leave only your maintaining balance in your account.
Hi, I have lost my phone earlier and my account number was saved there. Can someone withdraw or use the funds in your account just by knowing your account number? 🙁
Hi Mary Kris, is your account Kabayan and did you open it abroad? If yes, you’re right, you should call BDO and ask how you can make your account accept cheques. Try calling direct (there will be phone charges): +632 631 8000. Or try toll-free if you use Chungwa landline there: 00 800 8 631 8000
I have a cheque for transfer to my account at BDO because the cheque is also bdo. I was told I cannot because my account is only for cash deposit. How can I encash my cheque as I’m here in Taiwan and the cheque is valid only for 6 months. Please help me what are the possible ways to encash my cheque. I like to call BDO but I don’t know how to call their hotline . I tried but I could not connect.
After po ng october 2014 mga 2 months or 3 months ko po nahuhulugan uli kasi po nagkukulang sa budget at kunti lang naihuhulog mahigit 1,000 lang naihuhulog ko after 2months ok lang po ba yong ganun paghulog, sa ngayon po mahigit 10k na po nahulog ko sa account ko
Yes po kabayan account dito sa kuwait ako nag open,last remittance ko nong june 2014 kasi nagbakasyon ako tapos nahulugan ko uli last october 2014 pagbalik ko uli dito sa kuwait 1,000 lang balance ko at hinulugan ko uli ng 5,000 tapos po minsan po nahuhulugan ko after 2months kasi po nagkukulang sa budget at magkano po ba ang limit balance ng kabayan savings para di po maexpire at ok din po ba na kahit after 2months ko po nahuhulugan account ko?
Hi Leila, yes, you can withdraw over the counter, but you will pay 100 pesos. Fill up the withdrawal slip. Yes, bring your ID. The teller might also ask you why you are withdrawing over the counter.
Hi Julie, is your account a Kabayan account? When did you open it? When was your last remittance to your account? Yes, if your account is Kabayan, it’s true that you should remit money from abroad to your account at least once in 12 months. This is important if your balance is less than 10k. You said you deposited in Oct 2014 — after this Oct 2014, when did you remit the next?
Last august 2014 po my balance in my atm savings was 1,000 then I deposited by october 2014 more than 5,000. Is my account closed because almost 3 months I have not deposited again. and now I’m remitting to it because I asked my friends and they told me it’s after 1 year that the bdo atm expires. Is that true?
can I withdraw over the counter? I only have atm, no bank book. can I use my id?
Hi Janet, do you mean you do not have an atm card and you only have a passbook? Try withdrawing with your passbook; I think if it’s not a big amount, you will be allowed to withdraw even without ID, as they will check your signature. You might be charged 100 pesos for interbranch withdrawal.
What can I use as my postal id has expired. I want to withdraw in another bdo branch. I lived previously in la union; now I’m in pampanga.
Hi belay, did you try other BDO machines? Is the atm card damaged? You mentioned a passbook; try presenting the passbook for updating, so you can check if his pensions are being credited. You can use a BDO withdrawal slip to withdraw as representative, but the withdrawal slip must be signed by your father. If the atm card needs to be replaced, it should be your father that goes to the bank for replacement.
Another way is for your father to request a change in how his pension is sent. Request for an SSS All-Day Access Card application form at CTCB Bank or at an SSS branch and a Pensioner’s Data Change Request form from SSS. Ask SSS if your father can authorize you to process the change so your father can receive his pension using the CTCB cash card abroad.
hi may I ask about my dad’s pension. ive checked his atm and it says the card is invalid. we used to withdraw a few amt from it til december 2015. he filed his 2015 acop form, he has no problems with sss as he have submitted impt documents necessary .he is overseas now. he sent me an authorization letter, his recent photo holding a newspaper ans wants me to update his passbook. where to go and what to do? i need to send him his money. thanks .
HI. Gusto ko san magwithdraw ng 200k from my savings account, pwede po ba mag Over the counter kahit ATM lang dala ko kasi wala naman passbook to? At kahit saang branch po ba pwede mag Over the Counter
Hi Mmoreno, it will depend on the amount of balance and on the bank manager. The bank has to comply with laws on estate tax and legal heirs. The primary heirs are the parents, if they’re still alive. Your friend can go to the bank branch with her IDs, her brother’s birth and death certs and her birth cert and ask about the process of claiming her sibling’s savings.
Hi, i have a friend whose brother passed away recently. The brother is single and survived by my friend. Is it possible for her to claim the savings account or transfer savings account to her name? Thanks
Hi. My ATM card just expired (i never expected ATM cards have expiration dates). Can i withdraw my money from another BDO branch? my account is payroll without passbook.
Ask kolang po my kabayan savings account po ako. Kakaopen kolang po ngayon po magpapadala sakin yung asawa ko ano po bibigay ko ng account number sa passbook poba or atm? Same lang poba yun. Salamat
Hi just wanna ask po what do you mean by amount exceed for transfer?
Makakapag withdraw kaya ako sa sm gamit ang passbook, dollar account bdo kabayan savings. Holiday na kasi db kya sarado na mga banks.walang atm.
It’s great to read something that’s both enjoyable and provides pragmatisdc solutions.
Hi anon, if your account balance has turned to zero or 0.00, it’s most likely that your account has been automatically closed. Try making an atm balance inquiry.
Hi. So yesterday I withdrew my maintaining balance of 2k, so it had zero balance. Was my account automatically closed? or would I just be charged with a penalty? Tnx po
Hi Maybelle, do you mean you have a BDO passbook and you will withdraw over the counter? Usually, the passbook is enough, but since it’s a big amount, they will require an ID. They might accept your school ID, even if expired, since it expired just this Oct.
If you have an atm card, you can withdraw 5 times a day (5 x 10k = 50k) for 4 days. At BDO, maximum atm withdrawal is 10k and maximum amount per day is 50k.
If what you meant was you will claim a remittance or money transfer worth 200k, BDO will require 2 photo IDs. You can get a digitized postal ID from your local post office. To get this ID, you need your birth certificate and proof of address (barangay certificate or a bill with your name and address). You can present your expired school ID as your second ID. Exercise extra care about carrying big amounts of money. If this is a one-time big payment, and your payee accepts a check, you can purchase a manager’s check from your bank.
Good evening po. What should I present to withdraw 200k? If ID is needed, I have my school ID but it’s already expired. No longer studying as I already graduated. My ID expired Oct 2015. I’m currently reviewing; our review school has not issued us our IDs. I have no other ID as I’m not yet working. Thanks po. god speed
Hi lolita, yes, input your PIN at a BDO machine in the Philippines. Prepare your own 6-digit PIN, so when you take your vacation in the Phils, you will change your PIN at a BDO atm machine. This is how to change your BDO PIN and activate your atm card.
Why is there no pin number in my BDO kabayan saving account. I’m here in lebanon. Will they give me the PIN when I go home to pinas? thanks po
Hi po mrs Nora I opened a BDO saving account here in lebanon. My a.t.m and passbook arrived, but there’s no pin number. where do I get the pin number? when I go home to pinas? thanks po
Hi gemma, sorry, no. Your father needs to sign the withdrawal slip. The bank teller with check the signature on the withdrawal slip if it’s the same as the signature on their database. Even if it’s your father withdrawing, if they have some doubts, they will also require your father’s ID.
Can I withdraw money from our father’s passbook. He’s in another country.
Hi khyle, your dad should enroll in BDO online banking. It’s good also if you enroll, although your dad can transfer to your account even if you’re not enrolled in online banking. Then your dad should add/enroll your account to his account. Both enrollments need to be activated at a BDO atm machine. There’s no limit to how much your dad can transfer to your account because it’s an enrolled account. If your dad is currently overseas, when enrolling, he should choose the option “Outside the Philippines”
Hi, I just wanna ask what processes do we have to do if my dad wants to transfer some of his money from his bdo account to my bdo account? And is there a limit on how much we can transfer? Thanks in advance.
Hi Chris, thanks!
Oh i have already read the rules and its possible. please ignore the question i’ve asked. thank you!
Hi Nora, Is it possible to withdraw a cash more than 50,000php from BDO. my account dont have passbook. I only have the atm card. Thanks in adv!
Hi lotte, your account is automatically closed if the balance turns to zero or negative. You said someone deposited; is it over the counter? If over the counter, the bank teller will not accept the deposit if your account is not active. Do you mean someone sent money from abroad? Maybe the remittance is still being processed. Sometimes it takes up to 3 days depending on the remittance used. If you can still see the balance of your account online, then it means your account is still active.
hi nora. i just wanna ask if my account will be closed if it reached below minimum? someone deposited in my account but when i checked my acct thru mobile banking the deposited money did not enter. please help. thanks
Hi jerwin, that’s puzzling. Go asap to your branch and ask. BDO might want to be sure that you’re the one withdrawing. Or there might have been a system glitch. If you’re far from your branch, call BDO asap 631-8000
Hi ms,I am using kabayan savings,and I am currently here in the philippines for my annual vacation.last week I withdraw 50,000 pesos, and then yesterday I’ll try to withdraw again but unfortunately I cannot withdraw even smaller amount.it says on the screen that I already reach the daily maximum withdraw but I didnt withdraw yet on that day.what will I do ms nora?
Hi Jigz, if that person does not have your passbook, he/she cannot withdraw over the counter. The passbook must be presented when withdrawing over the counter. If he/she has the passbook, the teller usually asks for an ID if the signature is not exactly the same as your signature on BDO’s system. If he/she has your atm card, and he/she tries to withdraw over the counter, the teller will instruct him/her to withdraw at the atm machine first.
Hi, Ms is it possible for someone who knows my account number and forged my signature to make a fake authorization letter to withdraw cash from my account (passbook w/ ATM) over the counter? Thank you.
Hi Rachel, if you withdraw over the counter, you should have your passbook with you. If the joint account is “AND” account, meaning the passbook name is Husband’s name “AND” Wife’s name, you need to present the passbook and the withdrawal slip should have both your signature and your husband’s signature.
Can I ask if I don’t have passbook and atm because my husband hold it.. It is a joint account.. It is applicable that I can allow widraw over the counter even in other branch..
Hi Cee, that was for October (penalty for 2 consecutive months of Sep and Oct). If again your account is not maintained this November, you will be deducted again for Nov (penalty for 2 consecutive months of Oct and Nov).
Hi michael, do you mean your dad has been receiving his pension before, and this month, it stopped? Is last month or this month your dad’s birth month? Have your dad filed the ACOP form? ACOP form is filed every year just before the pensioner’s birth month.
Hi nora. Thank you 🙂 one more question. The one deducted from me po, in what month? Thanks again.
hi may I ask about my dad’s pension. ill check his atm and i dont expect zero balance. what do we do? Do we need to file another sss atm in other bank or do we need to report to bdo?
Hi Cee, yes, you’re right, if your 2k daily balance started Nov 1. But now, it’s already Nov 2, so deposit 300 pesos, so your daily balance starting Nov 2 is 2041.46. Your ADB for November will be 2031.46
This is the real situation. Hope it doesn’t matter. I have 2041.46 in my account,but as i checked my balance on october 31,it became 1741.46. Clearly, 300 was deducted. Does it mean that for the last day of the month(nov), they wont deduct again as long as i maintain the 2000 in my account til november ends, and so on?
Thank you Ms.Nora. So it means, the charges is not monthly, meaning for next month they wont deduct as long as I maintain the 2000 in my account starting this month? And that 300 deduction was generated for the month of september or october?
Thank you so much for the fast response.
Hi Cee, no, that’s not true. You just opened in June, so I think they did not compute your ADB in June. The easier way to maintain is to have 2k in your account every day. But if you need to withdraw, when you deposit again, deposit a bigger amount, so when they compute ADB, your ADB will still result to 2k or higher. How to compute: Add all your daily balance from the 1st day of the month to the last day of the month. Divide by 28, 30 or 31 (depends on the month). The answer is your ADB, and it should be 2k or higher.
It’s without passbook. One more question before i answer your question. Is it true that it’s okay not to maintain the 2000 in your account as long as before the month end,your balance should be 2000 again? Because when i started to open my account last june 2015 i always do that,and there are no charges.this just happen now.
Hi Cee, were there days in September and October that your balance was less than 2000? The 300-penalty means that you failed to maintain your required balance in Sep and in Oct. If not maintained for 2 consecutive months, the penalty will be charged on the last day of the 2nd month, and again on the last day of the 3rd month, and so on, if you won’t maintain your account. Deposit 400 or more tomorrow and do not withdraw within this month so you’ll maintain your account this November. Is your account without passbook?
I mean hello Nora. Sorry. (Hi Cee, it’s okay, thanks)
Hello nora, I just wanna ask what would be the cause of this. I have savings account, i maintained the balance 2000. Actually,my running balance is 2041.46. Then, when i checked my account a few mins ago using bdo app, my running balance became 1,741.46. And in my tansaction details, there’s a service charge P300 less in my account dated october 30. Any opinion regarding this? Thanks in advance 🙂
Hi michelle, yes, but I think they’re charging a fee, around 100 pesos.
hi! is it possible to withdraw passbook account in other branches? thanks
Hi Ric arthur, it’s most likely that your account got automatically closed when your balance became zero. You can visit or call BDO and ask about your account. If you’re just starting, you can apply at BPI for an Easy Saver account. It doesn’t require a maintaining balance, but you pay 5 pesos for every withdrawal and every inquiry. Or look for accounts with lower maintaining balances.
hello i would like to ask if is it still possible that my account is still active i open it last aug. but the last transaction i made was on last sept. and after i did not deposit and my account is 0 balance until now and i tried to inquire it on atm machine but it says cannot process was it possible that it is closed??
Hi anne, maybe the first digit is 0 so they no longer wrote it. You can write 000 plus the 9 digits when you deposit at BDO. Anyway, BDO will not accept your deposit if your school’s account no. is incorrect. But to be sure, ask again your school’s account no. Or search your school’s website; usually they post there their BDO account number.
I am paying my tuition fee through BDO.The account number that the school gave me is only 9 numbers is that right?
Hi Joan, the maximum per atm withdrawal has been reduced to 10,000 pesos, approximately 798 aed. So withdraw maybe 700 or 790 aed, then withdraw again, up to a total of 50k pesos per day.
How much is the maximum amount i can withdraw from my bdo account here in dubai equivalent to dirhams? I have tried withdrawing 2000 AED but my transaction is decline? Before i can withdraw up to 4000 AED but now even 2000 AED is not allowed?
Hi anton, no, the 50k daily limit is only for ATM withdrawal. Over-the-counter withdrawal and online funds transfer are not included in the 50k limit.
hi, with regards to the 50k daily withdrawal limit, is fund transfer included in the 50k during the same day for the limit?
Hi Karen Joyce, it’s unlikely that there’s another BDO account owner with the same name as yours and the same account no. as your sender has written, so it’s unlikely that BDO has deposited the money to another account. It’s most likely the remittance was put on hold, waiting for instruction from your sender’s remittance service. Yes, your sender should go asap to where she made the remittance and make an amendment of data, meaning she’ll correct the account no.
Hi. My friend in Saudi sent money through my BDO account last September 10, 2015. She only told me last night (Sept. 20, 2015) and was asking if I already received the money. Unfortunately, upon checking, she entered wrong BDO Account Number. Is it still possible to check if it was deposited and withdrawn by the owner of the wrong account or will she still able to correct it to where she deposited the money? Thank you in advance.
Hi Lani, thanks too! I checked this post where you commented and found out that I needed to update some things, and I hope you also know now that the maintaining balance for the BDO passbook account has been increased to 10,000 pesos since May 2014. The maintaining balance requirement for a BDO atm account is still 2,000 pesos.
Thank u Nora for your response the reason i asked is because im leaving in united states now with my husband may plan to go for vacation next year that would be fine then
Hi lani, make a deposit before the 2-year dormancy period is reached. After 2 years of no withdrawal or deposit, the account becomes dormant, and it will be put on hold. A dormant account can only be reactivated by the accountholder in person with IDs at the branch of account.
I have an account on BDO and i just maintain my balance.. my last transaction is last april of 2014.. i wonder what will happen to my account if i didnt have transaction for that long period of time..
Hi Nikki, once your account balance becomes zero or negative, your account is automatically closed. I think your account is already closed; most likely closed in April when your account balance became zero, or on May 31 when 300 was deducted and the result was negative. If you’re in the Philippines, you can make your balance inquiry at a BDO atm and you’ll see your account status. If you’re abroad, make your inquiry here: https://www.bdo.com.ph/contact-us
My balance is 0 at the moment (since April or May) and I was thinking of placing money on my SAVINGS ACCOUNT. It’s already August and I recall reading that they will remove 300.00 from my account every month if my balance is below minimum (like I said it has been 4 to 5 months since my last transaction). Is my account still active or did the bank already closed it? Will I pay 300 per month? (300*5 = 1,5000) Do tell me details. Thank you 🙂
Hi gian, do you mean the atm screen showed interbranch problem? If yes, then wait for a few hours and then try again. Or try another atm machine
What happened to my account? It says interbranch problem? Where can I check the interbranch policy?
Hi joy, if you forgot your passbook, you can try at your branch with your atm card and IDs. What I know is that you need to bring your passbook because your account is with passbook and you are withdrawing over the counter.
hi can I withdraw in cash even if I don’t bring my passbook?
Hi faye, you said deposit slip, so is this over the counter? The teller should have pointed out the error or discrepancy. If this is foreign remittance, it will most likely be put on hold. If not credited within 5 days, you can go back to where you made the remittance and correct your error (most likely, you will be charged an amendment fee)
Hi, will the money still be deposited to the right account if the account name written in the deposit slip is wrong? the account number is right but on the account name, the last letter is incorrect. instead of “a”, “e” was written. :(( if not, what can i do to solve this matter?
Hi jaymark, yes, but you need to go to the branch where you opened your account, and show 2 valid IDs. You’ll pay a withdrawal charge.
Hi mery, yes, you can withdraw using your passbook. Fill up withdrawal slip. Make sure your signature is the same as your signature when you opened your account. Bring your ID in case they need to see it.
Can I withdraw over the counter because I lost my bdo debit atm?
Can I withdraw using passbook only. It’s in my name. The atm card is with my husband; sometimes he deposits into the atm.
Hi juliebels, thanks for the info. Yes, some BDO branches refuse to accept OTC for clients of other BDO branches, especially for atm-only accounts.
I called BDO Market Market. I was told I can’t do OTC at their branch and can do OTC only where I opened my account. Just opened my account Monday and the ATM will be given this coming Monday. It’s a hassle.
Hi salve, yes, you can open any savings account in the Philippines (preferably popular banks), then you send your bank name, account name and account no. to your fiance, and he can remit and deposit to your account. He can send online through his bank account or credit card using remittance companies like Xoom, Remitly, or Luckymoney.com or pnbwebremit
hello po I’ll open an account. Can my fiance from US deposit to it? and he in the US will deposit thru online, is that possible?
hi nora, kc yung kabayan savings account ko eh 10 digit number sya,.. ok lang ba na kahit ibigay ko itong account ko sa agency na 10 digit sa pagremit ng aking monthly income kahit hindi ko na dagdagan ng 2 zeros sa unahan? o kailangan na dagdagan ko na lang ng 2 zeros sa unahan yung account number ko bago ko ibigay sa agency yung account number ko,.. thanks,..
Hi dhin, is your atm card a debit card, and not a cash card? If debit card, ask the BDO teller if you can withdraw over the counter because you left your atm card in your boarding house (sometimes it depends on the branch or the teller) and tell her you’ll pay the withdrawal fee. Bring 2 IDs.
Hi. I wanted to withdraw over the counter. I have a payroll account. I left my ATM at my boarding house. I’m here in cavite and my account is with bdo valero. Can I make over the counter withdrawal here in cavite? I can’t go to my boarding house today as I’m sick.
Hi Czar, encash your check at the bank branch printed on your check, so one ID will be enough.
Hi! We’re about to get our first paycheck tomorrow, the only ID that I have is the company ID because I got robbed and all of my IDs are included. Is the company ID going to be an issue? SSS and TIN numbers are written on the ID… Thanks!!!
Hi Men, does it have “CASH”? or “PAY TO CASH”? Yes, bring your IDs.
Hi can I encash a cheque with no name but issued by a company? thanks
Hi Virginia, is this a BDO credit card? Call BDO and ask why you’re still receiving your bill? If your bills show no activity and balance is zero, you can use that as one of your proofs that you have long cancelled your card.
I just want to ask. Why is it that I already cancelled or cut my credit card but still I am receiving a billing. they even told me tocut already my card. I am worried that I might be charge with the annual fee though it was already been cut.
Hi tesie, check your checking account balance, so you can see if the amount you issued was already deducted. About return of encashed checks, it depends on your bank. Either they are mailed back to you or you pick them up at your bank branch.
hello po! first time I used personal checks. I gave it to my aunt. How do I know if she already got the money? will the check be returned to me after?
Hi tin, there’s no maximum. You can deposit as much as you want. But if you’re depositing hundreds of thousands or more regularly, BDO will ask about your source of income (to comply with the money laundering law). It’s the BDO cash card that has a maximum limit.
Hi Jonnar, I think BDO does not allow reactivation. Some banks allow reactivation, but you have to pay certain charges. You can ask your branch if they allow reactivation, or you can open a new account at another branch (some may ask about closed account).
What’s the maximum amount that we can deposit to a bdo atm debit card? Thanks
Hi, I would like to ask if it is possible to reactivate my account. The case was, my account was closed because I am below my maintaining balance. The account was closed just last month. If it was possible, what should I do?
Hi Lea, yes, find a BDO remittance partner. Cash card has maximum balance limits. For no-owner-name cards, maximum is 10k. For with-owner-name cards, maximum is 25k.
Hi, can I deposit to bdo cash card from abroad.
Hi donamay, is the check payable to your sibling? Tell your sibling to bring his/her registration card to support her school ID.
Hi po. Can my sibling who’s a college student encash a check? She/he only has student i.d.
Hi elvera, if your account is Kabayan, and your last deposit 4 months ago was sent from abroad, your account should still be active, regardless of the balance.
If it’s not Kabayan, and it’s a regular passbook account, and you have 10,000 pesos or more in it, it’s active and free from penalty.
If it’s a regular passbook account with less than 10k balance, it could have been deducted with 2 monthly penalties already (300 pesos x 2).
hi po,tanong ko lng po..4months ko na po kasing di nahuhulugan account ko…maeexpired po ba un…???pero dati po regular po ako naghuhulug….tnx po..
hi, i’m elvera i just want to know because I never deposited to my account over 4 months already. Is that going to expire? (ihave money inside). In the past, I was regularly depositing to it. tnx
Hi Monica, is your photo in your philhealth id? The best way is to approach the BDO teller, and ask if your IDs are enough. If there’s a long line at the higher-counter tellers, ask those in the lower counters.
Hi can i use phil health id and police clearance for cash encashment?
Hi Jasmine, you can use it to support your ID. The teller will ask for your valid photo ID (company ID, digitized postal ID, voter’s ID, SSS/GSIS ID., passport, driver’s or PRC license)
Hi Ren, I think they put 2 lines there to give space for joint account holders. But there could be tellers who ask for additional signature specially if the signature is not clear, or is just vaguely similar to the signature they have on their database. To be sure, the account holder can call the branch where the money will be withdrawn. God bless too
Can I used my birth certificate as valid id for check encashment?
Hi. Have the policies of BDO for withdrawal through representative changed? Cause before we can withdraw with only one signature, second to the top line which was signed by the account holder. Now my aunt was insisting that the policies are no longer the same, that the first line has to be signed by the account holder as well. I called one branch in Makati, they said the policies didn’t change, and that means, only one signature is needed (2nd line). So has it been changed? Thank you and God bless.
Hi Jj, BDO usually does not reactivate closed accounts, but if your account was closed just this month or last month, you can try asking your branch if you can reactivate. If not reactivated, ask your sender to go back to where he/she sent the money and amend his/her remittance from account deposit to FOR CASH PICKUP
I didnt maintain the maintaining balance, and now ATm is invalid. Now, what should I do, someone deposited money in that account. How should I continues with this? Thanks.
Hi Claire, if your account has zero or small balance, or amount is below maintaining balance, and more than 1 year has passed, it’s most likely your account is already closed. You can email firstname.lastname@example.org
Hi, how will I know if my account with BDO is still active? I have not checked it since I left pinas.
Hi Anne, you should be able to, as this is a savings account. I’m not sure though with BDO, but I have deposited to a Metrobank SSS pension account.
Hi. Can I deposit money to a BDO account which is applied for SSS pension?
Hi Faith Ann, I think you can encash, but not all branches, so just enter the bank and ask.
Hi can I withdraw BDO checks in other BDO branches? Please reply. Thanks. It will be a help.
Hi daisy, yes, if you withdraw over the counter, bring your passbook. If your signature does not exactly match the signature on their records, they will ask for your IDs.
Hi if we withdraw, do we need to bring id at passbook?
Hi ernesto, yes, your BDO account can accept a Union Bank manager’s check. Yes, it goes through the 3-day clearing period before the money becomes available for withdrawal. Clearing period is 5 to 7 days if the check comes from another region.
Hi jana, sorry, but the bank will not accept an expired ID or certification. Try presenting a barangay certification (the one with your photo on the certificate; barangays now take your photo with their webcam). To be sure, before you spend for new IDs, go to the BDO branch (see your check) and present your current barangay ID, and if they don’t accept, ask if they accept barangay certification with photo, or if not, if they accept the new digitized postal ID (then apply for the new postal ID).
Is a brgy id or expired id card like police clearance valid for check encashment?
is it possible to transfer managers cheque to bdo bank account instead of accepting cash? is there clearing procedure for that-the managers cheque is union bank. thanks
Hi Mhy, you can deposit and save as much as you can. There’s no maximum balance. But of course if your money is already 100k or 200k or more, and you don’t need yet the money, it is better to save it in a time deposit or mutual funds.
hi po how much po maximum bal for atm savings acc tnx po
Hi Jet, yes, today is a new day. But BDO might be using a 10 pm to 10 pm time frame. I’m not sure though. Anyway, I hope you’ve withdrawn already today.
Goodmorning. i maxed out my withdrawal in my atm card last night at 10pm. But when i tried to withdraw again this morning they told me that i have withdrawn my max for the day. Is not today counted as a new day? It was Last night that I last withdrew? Thanks
Hi mariflor, you can try, but it might be difficult because you don’t have your atm card with you. Try at your BDO branch. Bring your IDs. Fill up the withdrawal slip. If approved, you will be charged 100 pesos.
Savings account atm only, no passbook. Can I withdraw over the counter? Thank you po!
Gud noon po! Can I withdraw over the counter without my atm card? I gave my card to my mama. I need cash and she’ll be back friday.
Hi grace, usually after 6 months. Other special checks like SSS educational loan checks expire after 3 months (expiration written on the voucher).
Good day Ms. Nora, I opened a BDO Kabayan savings account in Manila, can I withdraw money over-the-counter in Cagayan Valley BDO branches? Thank you.
Hi, how many months before a check expires? pls respond asap
hi good day.. Tanong ko lang po.. Ilang buwan po ba ang itatagal sa pag claim ng account ng namayapang depositor?? We already submitted the necessary document to the BDO. They gave us the checklist of documents at yun po ay na isubmit na namin sa kanila. My father is the depositor. Whenever we went to the bank to follow up our claims they always said that they still need the signature of their legal officer. Its already 7 months since we submit the said documents. Please advice po kung ano pong dapat gawin.. Thanks po
Hi agnes, did you maintain your account last March? If yes, your account is still active even if you did not maintain your account last April. To be sure, make a balance inquiry now at BDO atm to see if your account is active. If your student sends to a closed BDO account, the money will be put on hold by BDO. Your student needs to go back to where he/she sent the money and change the remittance mode to Cash pickup at BDO, so you can get it over the counter at BDO.
hi po. My account balanceis only 200 pesos left. And i think its almost 1 month. And tomorrow my student will send money through my account.. Do my account still activate? what if not and she send money to that account. Can she get it back? pls response. Asap. Thanks
Hi angel, yes, you can use your BDO atm at all SM stores and other stores displaying the Megalink and Express Net logos. But at non-SM stores, to be sure, ask first the cashier before getting goods. If you have not deposited for 1 or 2 months, your account will not close, as long as the balance is not 0.00. Remember also that you can be deducted with 300 pesos if you fall below the maintaining balance for 2 consecutive months, and it will close if after the 300 is deducted, the balance becomes 0.00 or negative.
hi just wanna ask if i can use my atm saving account to pay through groceries and shopping malls? and is it possible that my atm account will closed if i haven’t depositibg money for example 1-2months?
Hi Jenny, submit ASAP a notarized Affidavit of Loss of Passbook and ATM card at your BDO branch. Bring your IDs with photocopies.
Hi gud pm ms Nora, what are the requirements to replace my lost Kabayan passbook at ATM card? Pls reply po so I can follow up immediately. tnx po
Hi Celyn, it could be the reason. Call BDO or go to your branch with your IDs. I hope you can solve it at your branch since it’s only the prefix zero that’s missing. Bring your marriage certificate, and other ORs of remittances from your husband, just in case.
Hi ms nora. My husband are going to send me money from abroad to my bdo account and i gave him 11 digits account number without the zero on the first digits is it possible that the money took to long to recieve my husband told me that he already sent the money last week tuesday and its 5 days till now I didn’t have it yet. What should i do? Id it from the account number i gave to him was mistake? Please help me thanks..
Hi ivy, your husband can try with his IDs. He tells the teller he’s willing to pay the 100-peso charge (fee for over-the-counter withdrawal for atm-based accounts), and maybe another 100-charge for interbranch OTC withdrawal.
Good day Ms. Nora! Just want to ask if my husband can withdraw over the counter his salary from his bdo payroll account to any bdo branches if he does not have with him his atm card?we left it during our vacation to our relative’s house but it was already been kept and will be returned to us this month end.
Hi pauline, there should be no cost. Just the money to open your account (2k for atm-only account). Bring valid IDs and ID pictures. BDO usually advises former employees using company-restricted payroll accounts to open their own accounts. If the issuing bank (branch written on your check) is near your place, you can also try encashing your check there; sometimes they encash checks even if crossed as long as it’s manager’s checks.
how much will it cause me if im gonna convert my payroll account to a savings or checking account? i was advised to do that by our hr before for the final pay since they’re gonna issue a managers check which i just got last fri i really hope that you can help me thanks! ??
Hi Edelyn, BDO and other banks are strict about issuing checking accounts. They will check if you have been a long-time account owner and if you have been depositing big amounts regularly. If you’re paying a car loan or a real estate loan, you can request for an endorsement letter for the opening of your checking account from your car lender or your real estate developer.
Hi ms good day. I just want to know how can i apply a checking account to bdo. I have an account already but it is a remittance only. Can i apply a checking account also? If I withdraw through the teller, can I withdraw any amount? I mean is there no limit? How much is the maximum if through the teller.tnx
Hi rheeya, I think your account is already closed. Try making a balance inquiry at a BDO atm machine. You might see account closed, account invalid, or account does not exist. You can open a regular BDO atm savings account — the maintaining balance is 2k pesos.
Gud pm. We opened a Kabayan savings in 2012 but did not go abroad as planned. The atm was activated but was not used for 3 yrs, as in no deposits no withdrawals. The atm is valid thru 2022. Can we use it this 2015? Thanks
Hi Miguel, your aunt can open a passbook account (the maintaining balance is 10k pesos), or she can open an atm savings account (maintaining balance is 2k pesos). Both these accounts can receive a check worth 900k. The passbook may be a better option, so your aunt can monitor her withdrawals.
Hi kaye, I hope you have already resolved your concern since it’s now 30th. Sorry I wasn’t able to answer last 28th or 29th. I hope it was the atm machine that was not functioning. And if not, I hope you already have gone to your branch and ask. And I hope you confirmed that your account is still active. If your husband’s account is Kabayan, and if this account receives remittance from abroad at least once in 12 months, it remains active.
Hi, I want to ask po what’s d best account to open at bdo,we need to deposit a check from my tita’s insurance worth 900k php. What’s the maximum deposit to a savings account? many thanks
Hi, i just checked my husband’s Kabayan Savings card today (March 28,2015), but when i checked for the savings account, it only says unauthorized or inactive card, please contact the bank branch that issued the card. I’m worried because it’s to this account that my husband’s money is being deposited (OFW). I thought an OFW atm card of BDO doesn’t close. I also tried to update our passbook last month and I deposited money. then I withdrew. It was working. It’s only now that I checked and I can’t access. i also tried other atm machines. then the others who are also BDO cardholders also could not access. Was if offline? hope to hear from you soon.
Hi resyl, yes, but you might be required to pay a 100-peso charge.
elow po. can we withdraw over the counter using passbook at another branch of bdo. kabayan savings.thanks
Hi Patrick, you should be able to deposit a check because your account is a savings account, but because it’s a payroll account, it depends on your company’s agreement with BDO. Try depositing it. The teller will advise you.
Hi ms.n0ra, can I deposit my pag ibig cheque salary l0an to my bdo atm debit card savings/payroll?
Hi nette, it’s better that you apply for your own BDO cash card (2 valid IDs and 2 ID pictures) so you don’t worry about any future changes in the payroll policies of your previous company or of BDO. Aside from that, usually payroll BDO cash cards only accept online money transfer from company accounts, and not over-the-counter deposits.
Hi ms! Can we deposit and withdraw using BDO Cash Card even if no longer employed by the company that issued the cash card? Is the card still active?
Hi john, yes, you can deposit a check in your name to your Kabayan account. You are the payee, so your account can accept the check. Name on check should be the same as account name.
Can we deposit to bdo kabayan peso passbook a bdo cheque from royale which is marked acc payee only.thanks!
Hi cris, no, an atm card is not a valid ID. Several post offices are now offering digitized postal IDs for 350 pesos. You need barangay certificate or proof of address and birth certificate.
hi good afternoon. may i ask if a bdo atm card is a valid id for bdo? tnx
Hi Tess, sorry no. What you do is you open a peso atm account with 2 valid IDs, 2 2×2 photos. Bring proof of billing, in case it’s required. Then close your passbook account.
Hi! Good morning. Can I convert my Peso Passbook Savings Account to Peso ATM account? If yes, do I need to pay something? What are required? Thanks 🙂
Hi Mariz, if your account is atm savings, and not cash card, you should be able to withdraw over the counter showing your IDs, but you will pay a charge of 100 pesos. But ask your branch if this is allowed, as sometimes, they impose some policies differently. Talk to the manager, if the teller cannot decide. About ATM card replacement, explain your case to your HR. They’re in the position to make certification, as they are your employer, and not BDO. They’re the ones who can certify your identity.
hello ms nora,ask ko lang po kung ano rules ang meron kung mag-oover-the-counter?kasi nawala ko yung atm card ko third week ng January.Nagpunta na ako ng BDO branch kung saan nandun ung payroll account namin.Sinabi saken ng teller na kailangan ko humingi ng letter from HR sa office namin na nagsasabing nawala ko ATM Card ko tapos balik daw ako sakanila para mabigyan nila ako ng Affidavit of Loss.Pag punta ko sa office,dumiretso ako sa HR,sabi naman saken kailangan daw nila ng Affidavit of Loss galing BDO bago sila magiissue ng letter.Ano po ba tlaga mas magandang gawin?next week ikecredit na sa account ko yung tax refund ko eh,kailangan ko yun mawithdraw ASAP kasi magttravel ako paCebu,i really need cash.May nakapagsabi kasi saken,colleague,na it may take 3-5 business days for processing bago ako mabigyan ng bagong ATM Card.Please help.TIA
Hi Jojo, they will ask for unexpired valid IDs. For non-passbook accounts, they advise you to withdraw 50k first from the atm machines before you can withdraw over the counter, unless the atm machines all around the branch are out of order.
Hi Ms Nora, My valid IDs are expired already, can I still do over-the-counter withdrawal? Thanks
Yes Ms Nora it is a savings account. Thank you for your response. God Bless!
Hi Melanie, if you have reported it, then your account should already have a tag that will warn tellers. Is this a BDO savings account? The account no. is not on the atm card, so the thief will not know your account no., unless you wrote it somewhere among those he stole and the thief is knowledgeable enough, and unless the thief has a woman-partner confident enough to be able to approach the new accounts teller and ask for the account no. using your IDs. But if there’s a tag, BDO should ask verification questions first. Usually also, tellers advise atm-only-account owners to withdraw via atm first before OTC withdrawal. If cash card, OTC withdrawal is not allowed. Obtain a valid ID asap, so you can go to your branch and request for a replacement card.
Hi Ms Nora. My ATM card was stolen last January 08. I had my card blocked already. However, I’m afraid the snatcher will make OTC withdrawal. He has with him all my IDs which show my signature. Will that be possible? Thanks
Hi jenny, yes, you can, if you have your passbook with you. I think the charge is 100 pesos.
Hi Nora, Just want to ask if I can do over the counter withdrawals on other BDO branch? Like for example my account is from SM fairview, and I want to do over the counter withdrawal in Bulacan, is it possible? Thanks.
Hi ariane, if your father opened a passbook-with-atm account, his account number is written inside the passbook, near your father’s name, usually 10 digits; 12 digits if with 00 before the 10-digit no. If his account is atm-only, look for his account number in the deposit slip given to him when he opened his account (10-digit no. above your father’s name)
Hi ms where can we see the account number sa bdo? that’s the cure for the sss pension of our father. thanx god bless 🙂
Hi nenita, sorry I think your sister cannot. Some banks accept SPA from you, but SPA might be expensive to get there abroad and send here. If you like, you can open a BDO Kabayan account at a BDO remittance partner there, so your sister can later on deposit your check to your account.
Hi just wanna ask if my sister will be allowed to encash my check even its under my name? my sister and I have the same surname. thanks. i don’t have an account in the philippines
Anu po yung cash card?
Pede po ba gamitin yung debit card kahit saan tulad ng sasali po kc ako sa program my babayaran po ako 50$.
Hi bryan, if you open an atm savings account, BDO will give you an atm debit card. If you apply for a cash card, BDO will give you a cash card (has no maintaining balance; has maximum balance, 10k or 25k).
Hello, if I apply for an atm card, what card will they give me? please reply asap
Hi eve, call BDO 631-8000 and ask. Are you sure your account no. is only 9 digits? Mine is 10 digits, and it’s 12 digits if I add 2 zeros. My BDO payroll account 2 or 3 years ago was not allowed to accept over-the-counter deposits; it was exclusively for payroll use. I’m not sure if all BDO payroll accounts are exclusive. You can also ask your cousin her reference no. so you can check using BDO Remit Inquiry at bdo.com.ph
Hi, just wanna ask, can someone send money abroad in dollars to my payroll savings account? my sender said she sent it a couple of days ago but it’s not yet in my account. My account number is 9 digits, then i saw that it should be 12 digits, that I should add 000 zeros before the 9 numbers. Could that be the reason that I haven’t received it yet, or is it because my payroll can’t receive a remittance? I ask our HR and they said it can accept remittance. I’m so confused. hope u can help me. thanks
Hi, just wanna ask , if someone is sending you money from abroad in dollars to my bdo payroll savings account, is it possible?. my cousin said she already sent it last week but i didnt receive it yet.. thanks
Hi maribeth, yes, you can deposit your check to your atm debit card account. Use your account no. No deposit fee, as long as you deposit at your branch or at a branch with the same phone area code as the branch where you opened your account.
hi mam, may i ask if i can deposit my SSS salary loan check to my atm debit card? Are there charges? thanks
Hi nems, those mean the check is a crossed-check, and that it should be deposited to the bank account of the payee (the name on the check; the name of the person receiving the payment). It cannot be encashed over the counter, except in special cases.
Mam Nora,good am, may I ask what the 2 crosses on a check mean? Thank you
Hi Christine, sorry you cannot use a Philippine check for paying U.S.-based exams. You can get a BPI Prepaid Mastercard or a Union Bank Visa debit card so you can pay for your US exam online.
hello! i have one question. can i use my BDO peso checkbook to pay abroad? I don’t have a credit card and there is an option that i can pay using check for my US exam. If allowed, my follow up question is how do i write the amount on the check in dollars because there’s already a peso sign on the check. thanks.
Hi Joan, I think your account is already closed. Your account has been below the maintaining balance for 2 consecutive months. But check your account — You can make a balance inquiry at a BDO atm machine, and see the response.
Hi Ms. Nora! I have a BDO Account with passbook. Sad to say last first week of july I made a withdrawal, and the left amount is 60 pesos. Is my account closed? i want to deposit 10k next month. I want to know if my account is still open or do I have to pay a penalty? Thanks a lot.
Hi akm, this is a passbook account, so you need to bring your passbook. But if you want to withdraw more than 50k immediately (50k is the maximum atm withdrawal amount per day), and you only have your atm card, you can explain your situation to your bank manager.
Hello. With my atm/passbook savings. Can i withdraw over the counter even i didnt bring my passbook? And how much ang max?
Hi jack, do you have other ATMs for immediate needs? If yes, and you’re decided with this, you can cut your ATM card into pieces, and then just use your online banking.
There’s this option of calling BDO and asking them to disable your ATM card because you lost it, but then you’ll be lying.
I just wanna ask: Is it possible to disable the ATM for withdrawals and just use my online banking? Is it possible?Thanks
Thank you ms nora for the info. God blesss
Hi haldrich, it’s good that your BDO payroll account is flexible. Yes, if you’ve made personal deposits already, then it should be able to accept a big amount of deposit. No, your employer does not have normal access to your personal deposits or transactions — their connection to your account is only up to their payroll deposits.
But so you don’t have to worry, you can open your own account with BDO with just 2 valid IDs and your maintaining balance of 2k. Tell them, if asked, that your other atm debit account is a payroll account.
Hi, its me again. Btw. We already made several personal deposits to my payroll acct, but this time a much bigger amount will be deposited. Thank you
Hi, good day can my father deposit to my bdo payroll account? Its quite big amt, will my employer question me or will they have the power to freeze the acct ? Tia
Hi RG, is this a BDO atm-only savings account? without passbook? If yes, then your account is okay. About 3 months without deposit, it’s okay, as long as you don’t reach 2 years without any transaction, and as long as your balance is always 2k or more, or your monthly average daily balance is 2k or more.
hi 🙂 i opened last june..after i changed pin, i no longer made any transaction (withdraw/deposit), almost 3 months already. is that okay? will there be no charge? my maintaining balance is above 2k 🙂 thanks
Hi aldrin, your atm card is valid if your account is active. Is your account the regular atm account? The one with 2k maintaining balance requirement? Have you maintained the 2k balance? Have you deposited within the first 2 years. An account becomes dormant after 2 years of no withdrawal or deposit. If dormant, your account is on hold until you go to your branch in person and present IDs. If your balance is less than 2k, it’s most likely your account is already closed.
ilang taon ang expiration ng ATM remittance? paano pag 3years ng hindi nagamit? okay pa ba sya?
Hi sarah, is this a BDO atm account? with the 2k maintaining balance requirement? If yes, and if your balance has been 100 plus since Sep 1, but you did not fall below the balance last August, your account will not yet close on Sep 30. If left as is, it will be closed on Oct 31, the 2nd consecutive month that your account falls below the maintaining balance requirement.
Paano kapag maintaining balance is P100+, bank account close na po ba siya or kapag naka-30days po ang bank close account?? Thanks po
Hi Hazel, withdraw through a BDO atm machine so you don’t have to pay any charge. If over the counter (usually it’s allowed), the interregional/interbranch fee might be 100 pesos.
hi goodevening! i have a bdo kabayan savings account; i opened it in Cauayan Isabela. Can I withdraw here in manila? How much is the charge if ever allowed? Thank You And Godbless
Hi Karl, is this a BDO payroll card? Because most BDO payroll cards do not allow over-the-counter deposit. These are only for electronic transfers from your company to your account. Ask your BDO branch, to be sure.
hi may i ask if i can deposit to my atm payroll card even if it has only 4-digit account number. thanks
Hi jenny, is your account Kabayan? Has 1 year not yet passed since account opening? Yes, you can remit to your account. But if this is a regular passbook account or a regular atm account, and many months have passed, your account might have been closed already. Whether your account is Kabayan or not, it’s best to call BDO or make inquiry at BDO contact page to ask the status of your account.
good evening. may i ask if we can remit money to my account even if it has zero balance? please reply. thanks.
Hi marose, is your payroll account a savings account and not cash card? If yes, then you can try depositing. If BDO accepts, then it’s good. But most BDO payroll accounts are exclusive, meaning they only accept electronic transfers from employers’ accounts. But you can try.
Gud pm. I just want to ask if I can deposit my loan check from another bank to my bdo payroll account? I have no other account. tnx.
Hi Joy, there’s a BDO branch along Regidor St in Sta. Cruz. If your account is atm savings, and you withdraw over the counter, you pay 100 pesos. There might be additional charge for interbranch withdrawal over the counter.
Mam question po my bank branch po b kau here in sta.cruz laguna & lucban quezon??
Ma if meron kng mgwthdraw po ako s branch nila peo manila po ako ng open no extra charge po b?
Hi Renz, you change or enter your PIN the same way as for other BDO atm accounts. Your atm card for your SSS and other atm card can have the same PIN or different PIN.
Hi rose, no penalty. A penalty is imposed only after 2 consecutive months of falling below maintaining balance.
Will I get deducted with a penalty of 300 if I don’t maintain 2k within 24 hrs? For emergency need, I’ll withdraw 500 and then deposit the same amount within the day to restore the balance to 2k.
Pag nagopen poh ba ng SSS account sa BDO my ibang pin code or password na gagamitin??
Hi Ruel, your representative should bring his ID, your Kabayan passbook, and a BDO withdrawal slip with you having signed the Withdrawal by Representative portion of the withdrawal slip. If your atm card no longer works, you can go to your branch and have it reset for PIN change or replaced.
Hi. I have a Kabayan card that I wasn’t able to activate, and its been 8 months ago already. I tried to activate it yesterday following the instructions given but it didn’t work til I reached the maximum number of attempts. Can I withdraw over the counter thru a representative? What are the requirements? Thanks!