4.17.2015

Is Your BDO Kabayan Savings Account Active?

By Nora
10,000 Pesos -- this is now the maintaining balance requirement for a regular BDO passbook savings account.

This change was put into effect on May 1, 2014.
If you're not able to maintain your account for 2 consecutive months, 300 pesos will be deducted from your account on the last day of the 2nd month. Another 300 pesos will be deducted  on the last day of the 3rd month, if your account remains unmaintained. If you don't restore your account, or if you don't withdraw what's left of your money, the deduction continues until your account is wiped out.

Note to OFWs: 

Your BDO Kabayan account is a ZERO-maintaining balance account, BUT you need to remit to your account from ABROAD at least once in 12 months.
If your account does not receive a remittance from abroad within 12 months, your Kabayan is automatically converted to a regular savings passbook account -- and will then require a 10,000-peso maintaining balance.

An over-the-counter deposit at a BDO branch to a BDO Kabayan account is NOT considered a remittance from abroad.

There have been several Kabayan account owners who have commented on our blogs about losing money to the 300-peso maintaining-balance penalty. Almost all of them did not know about the maintaining-balance increase from 5k to 10k pesos. Most of them lost more than 900 pesos each. The biggest loss was 3,000 pesos.

Is BDO the only bank doing this?
No.
All banks have maintaining-balance requirements on almost all account types.
All of them impose a penalty on all accounts falling below their minimum monthly average daily balance requirement for 2 consecutive months. The deduction starts from the last day of the 2nd month, and it continues until the account balance is wiped out, or until it's restored or closed.

If you're not yet able to maintain a  bank account, get a cash card.

Or find an account with a low maintaining-balance requirement.

The BPI Easy Saver account has a zero maintaining-balance requirement. You just pay 5 pesos for every ATM withdrawal or every ATM balance inquiry.

71 comments:

  1. what is the bdo phone number in japan?i have a optimun account in bdo phils and is it possible to remit to my acount?

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    1. BDO phone no. in Japan: Sorry BDO does not have a phone no. based in Japan. Call BDO Philippines 010-800-8-631-8000 toll-free if you call from a KDD, NTT or Japan Telecom landline.

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    2. If your Optimum account is active, you can remit to your Optimum account. It is active if you have been maintaining your required balance, and you have deposited to it or withdrawn from it within the past 24 months.

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    3. If you don't like to call, you can ask someone in the Phils to deposit 100 pesos to your account. If the deposit is accepted, then your account is still active.
      By the way, have you been maintaining at least 30k in your account?

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  2. can I convert my BDO kabayan account to BDO Savings Account?

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    1. Kabayan account conversion: What I know is the automatic conversion of Kabayan account into a regular passbook savings account after 12 months of no foreign remittance. A regular passbook account requires a maintaining balance of 10k pesos.
      If you want to open an atm savings account (no passbook, only atm card, maintaining balance requirement is 2k pesos), you can open this at a BDO branch, then close your Kabayan account.

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  3. is kabayan account already active? or should i need to active it., thank you

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    1. Hi ailla: Your account is already active. You can deposit or remit to it. It is your ATM card that you should activate. Are you in the Philippines? Go to any BDO ATM and change your default PIN. Your default PIN is any 6-digit number -- 888888 or 123456. You can make a balance inquiry using your activate ATM card after 24 or 36 hours.
      If you're abroad, sorry, you can activate your ATM card only when you take your vacation in the Phils

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  4. GoodDay.
    I applied BDO kabayan account before i went abroad.Now, my problem is i forgot to get my ATM so im afraid to deposit on my account because i dont have its ATM. Its been 1 year now.I just want to ask if its still active. Its passbook is with me. Thanks in advance.

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    1. Hi Renz: Most likely, it's already closed, so don't remit to it. But if you desperately need an account to remit your savings, call BDO (00-800-8-631-8000 or 00-632 631 8000) and ask if your account is still active.
      Based on BDO's policy, after 12 months of no foreign remittance, the account is converted from Kabayan into a regular passbook account which will then require a 10k maintaining balance. After 2 months of no remittance or below-10k-average-balance, the account will be penalized with a monthly deduction of 300 pesos, and once the balance becomes zero, the account gets automatically closed.

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    2. Thanks for your response ma'am nora. I just want to ask is there any possible way for me to have a savings account in the philippines even if I'm here in abroad ? And how much you think it will cost if ever ? Thankyou.

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    3. Hi Renz, it's BDO that's offering account opening through its partners abroad, but since we're not sure if your BDO Kabayan is already closed, check this list of Landbank representatives if someone is near where you are: Landbank representatives. They offer account opening as long as you can meet them in person in their office. The cost? Ask for the Bagong Bayani atm account for OFWs, which has zero maintaining balance requirement. Initial deposit is 100 pesos or its equivalent there. Maybe a bit more there to cover some costs.

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    4. Hi Ma'am Nora. Thankyou. I will try this one. Godbless.

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  5. hi.. just want to ask if my account is still active its ATM DEBIT CARD by the way ,i guess haven't used it for 3 years maybe up to now.. or if there is possible way to used again..maybe reactivate it or do i need to open a new account?thanks

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    1. ATM debit card unused for 3 years: If your account balance was less than 3,000 pesos, your account is most likely closed already. An account becomes dormant after 24 months of no deposit or withdrawal. There's a dormancy fee of 300 pesos per month if the balance is less than the required maintaining balance.
      Or if your balance was 100 pesos (the usual initial deposit) or zero, your account was most likely closed on the 14th month.
      Yes, open a new account.

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  6. Hello. Can i still reopen my closed BDO Kabayan Savings account? Im already abroad. Yhanks

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    1. Hi Evan Justin: Sorry, hindi nagre-reopen or reactivate ng closed account ang BDO. Ang option is to open a new account when you take your vacation here in the Phils.

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  7. Hi...I opened my BDO kabayan savings with it's initial amount July 2014 and I haven't activated it yet in the Philippines I didn't deposit any amount until now. Can i still continue it?

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    1. Hi Geraldine: Sorry, most likely your Kabayan was already closed in 2015, after 14 months of no remittance or deposit. BDO usually does not reactivate closed accounts, but you can open a new account. You can call BDO or use the
      BDO Contact Page

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    2. Thank you mam nora thank for the quick response.

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  8. Hi mam nora, just want to clear something,do i need to make a cash withrawal from my kabayan atm card within a year para di ma dormant ang account ko?,.and paano ba na dodormant ang isang account at anong ngyayari?.thanks

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    1. Hi Mark Alvin, yes, withdraw or deposit. Nado-dormant ang isang savings account kapag wala itong withdrawal or deposit within 24 months. Pag na-dormant ang account, what happens is napu-put-on-hold ang account, meaning hindi puedeng widrohan o depositohan or make balance inquiry hanggang hindi nare-reactivate by the account owner. How to reactivate? The owner goes to his branch with his IDs and fill a form. Hindi puedeng representative.
      Merong dormancy fee per month kung lower than maintaining-balance yong account.
      Pag checking account, ang time frame is only 12 months.
      Ang balance inquiry ay hindi accepted transaction to prevent dormancy.
      Pag 10 years na at hindi pa nare-reactivate from dormancy, ibibigay na yong pera sa Central Bank.

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  9. Good day po. Mam nora. Ang bdo kabayan saving acct. turn to a regular acct. na di ko nahulugan ng 1yr. Kya nag deposit nlng ako ng 10k para hindi ma close. My question is kylangan pdin po ba ng remitance ng acct. ko kahit regular na ito?

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    1. Hi Ken Gabong: Hindi na, kasi hindi na Kabayan ang account mo. Regular na siya. Ang requirement mo na is to maintain at least 10k in your account. Good that you deposited 10k to maintain your account. Keep saving.
      Nag-balance inquiry ka na ba? Nadepositohan mo ba agad after the 12th month na walang foreign remittance? Kasi kung nagdeposit ka after the 13th month or 14th month, merong possibility na mapenalize for 300 pesos, so maging 9,700 yong balance mo at kulang sa maintaining balance na 10k, at sunud-sunod din yong month to month penalty. So make sure na 10k pa rin yong balance as of today.

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    2. Ken Gabon MatibagNovember 20, 2016 at 7:51 PM
      Thanks for usefull responce.. kaya pla na penalize ng 300 kasi 10k lng exactly. So gasgwin ko talaga ngayun above 10k para di ma close.. next question po ok lng ba kung 2 yrs. walng widraw? Puro deposit lng?

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    3. Hi Ken Gabon: Oo, dagdagan mo, and check your balance from time to time. About not withdrawing for 2 years? Yes, puedeng-puede, mas gusto ng bank yan, basta mag-deposit. Your deposit transaction will prevent your account from getting dormant.

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    4. Another good day po ms. Nora can i ask bakit binawasan padin ng BDO Yung saving acct. ko ng 300? I just deposit 11,800 this nov.28 and now i check my balance naging 11,500 nlng.
      Last nov. 15 kasi pinawidraw ko muna lahat ksi exactly 10k lng laman ng saving acct. ko pero nag debit sila ng 300. Then i decide na widraw muna Lahat. Then nito lng nov. 28 i deposit agian 11,800+ at nag debit nnmn sila ng 300 day after. Nakalagay sa description SERVICE CHG SYS-GEN.

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    5. Hi Ken: Kasi hindi mo uli na-maintain yong 10k requirement. Dapat yong 10k or more andon sa account mo every day. Hindi lang for a few days in a month na meron kang 10k. This December, dapat huwag mong widrohin yong 10k mo, dapat every day andon ang 10k sa account mo. From Dec 1 to today, Dec 6 ba ay andon yong 11,500? If yes, then okay na. Kung magwidro ka, dapat up to 1,300 lang ang widrohin mo. Iwanan mo yong 10,500.

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  10. Good day Mam Nora,August 2016 ako kumuha ng BDO Kabayan savings Card,but I didn't deposited any amount until now.
    Question is:
    Is my account still active?
    i plan to deposit once every 2 months starting this January.
    Would BDO deduct 300 if I won't deposit every month?

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  11. Na close po yung bdo account ko po. Gusto ko po mag open ng bank account while overseas po, anung bank po ng aallow na mag open ng account while abroad? Citibank?

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  12. Hi Nora,

    Have your heard of this issue before? We have a Kabayan Savings account for over a year now and just recently we enrolled in for online banking. I carefully followed the enrollment process, then activated the ATM card using the machine after receiving the activation code. It's been past 24 hours already and we already received the 2nd email that says enrollment was APPROVED.
    But yet we are not able to view the balance though we are able to log in to the online banking website. The balance section says "function not available at this time, please check later..".. We've been checking the balance since past 24 hrs and still them same. We even installed the BDO mobile app but it says, "Account Inactive".. That has been the same card and account we've been using for remittance and it should not have been a closed account since it has been funded several times this year and still has a balance as of today.

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    1. Hi Ralph, sorry that I'm able to reply only now. I hope you can already access your account, as many business days have passed already. And I hope you have already called BDO in case you still encountered problems. Happy new year!

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    2. And thanks a lot for visiting our blog.

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  13. Hi Ms. Nora, ask ko lang po nag transfer kasi ako ng pera nong Friday (13-Jan-2017) pero nagtataka lang ako bakit hanggang ngayon mag 3 days na e di pa rin naka update ung balance ko same pa din ang amount may problema po ba sa account ko? Nasa Saudi po ako ngaun ung ATM Card (Kabayan Savings Card)ko din dala dala ko din check ako ng check sa Balance ko online but ganun pa din talaga. Nakabasyon ako last year May until June 28, 2016 and halos na withdraw ko po lahat ang laman non my 1,000 mahigit na lang natira then ngaung buwan lang ako nakapag hulog ulit with the amount of more than 26,000 peso. Pano po ba malalaman kung Active pa ba account ko or kung hindi na makukuha ko pa ba ung nahulog ko last week? How?

    Thanks

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    1. Hi Kabayan account owner in Saudi: I hope andian na ang pera sa account mo.
      Active pa rin ang account mo, kasi sabi mo, nao-open mo pa ang account mo online, at andon pa yong balance na iniwan mo last June 2016.
      Kelan yong last na pag-send mo ng money from ABROAD noong 2016? Wala pang 12 months na lumipas? Kung wala pa, active pa talaga ang account mo. Baka lang na-delay ang posting dahil weekend dumating yong remittance dito.

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  14. Hi... Ma'am is it possible to deposit in my Kabayan Savings Account even if I am here in Philippines?

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    1. Hi Mary Cris: Yes, puedeng mag-over-the-counter deposit sa Kabayan account mo. Kahit sino ay puedeng mag-deposit sa account mo. Pero ang maintenance requirement ay ganon pa rin na you should send money to your Kabayan account from ABROAD at least once every 12 months. Or kung wala nang nagse-send from abroad, at na-convert na from Kabayan to regular account, you should maintain at least 10k pesos in your account.

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    2. Hi Ms. Nora, paano ko po nalaman na na convert na ang account ko at kailangan na ng 10k maintaing balance. Hindi kasi ako sure kung kailan yung last remittance na may transaction ako. Thank you

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  15. Hi! I opened my kabayan savings account when i was in UAE last 2015. My last remittance po was Febuary 2016. I am now working in Thailand and i can't deposit money to my BDO dahil nag aask po ang bank dito for branch code. Wala po akong idea kung ano ang branch code, i only have the swift code and ibinigay ko na rin po ito sa bangko dito but they still ask for branch code. Kung di po ako makapag remit this month, will my kabayan account be converted to regular account automatically? Please help po! Thanks!

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  16. hello po.. I am planning to apply bdo kabayan account here in ksa.. how long does it takes before it get activated? is it the same while in the Philippines that only takes two days?? thank you in advance

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  17. also after it gets activated I am planning to apply it on e-banking.. please advice what to do or what are needed.. thank you

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  18. Hi mam Nora!Pano po malaman kung close na ung account?Nsa germany po aq at ndi q mapuntahan ung bdo.ng try po ung kapatid ko mg deposit sa account ko pero invalid napo ng appear. May po ung last na deposit at withdrawal. Maintaining balance lng po ung nasira. Possible po ba ma activate pa ung account?thank you

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    1. Hi Emy: Kung hindi na tinanggap yong deposit ng kapatid mo over the counter to your account dahil invalid na, ibig sabihin closed na yong account mo.
      Puede ring naging dormant or inactive kung 24 months nang walang deposit or withdrawal, pero merong laman na 10k or more.
      Nagtaka lang ako na sabi mo last deposit and withdrawal mo noong May. From May to today ay around 9 to 10 months pa lang. Kung closed na ang BDO account, sorry hindi na naa-activate pa.

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  19. _hi maam ask ko lang po.. maclose po ba ang BDO KABAYAN account ko po pag inubos ko po lahat ng laman? sa tingin ko po naman di pa sya regular kadi po wala naman po bawas na 300.. ok lang po ba ubusin? if ever ok lang po kong di po maclose ilang months lang po para hulugan ko from abroad? thank you..

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    1. BDO Kabayan: Yes, puedeng widrohin mo lahat kasi Kabayan account siya, at wala pa namang 12 months na hindi nahulugan from abroad. Pag hindi nahulugan from abroad within 12 months from opening, mako-convert na siya into a regular account at dahil walang balance, mako-close na siya after 13 or 14 months. Pag na-close na, hindi na mare-reactivate.

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  20. Hi maam nora. Meron akong kapatid na nasa abu dabhi at pinadala nya ang kanyang kabayan card dito sa amin sa pilinas. Nilagyan na nya ng pera at winithdraw ko at ang sabi sa atm machine "selected account does not exist". Ano pong ibang option upang makuha ko yung pera? . Salamat maam nora , I just need your info

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    1. Hi Vem: Merong at least 2 reasons kung bakit "account does not exist". Tingnan nio na lang kung anong reason ang malamang dahilan sa case nio. 1 -- Hindi na-activate ang atm card within sa period na sinabi ng BDO noong na-open ang account. 2 -- Closed na ang account dahil hindi nahulogan from abroad within 12 months from opening, at walang laman ang account.
      Ang paraan mo para ma-test mo kung active pa ang account is to deposit 100 pesos to the account over the counter at BDO. Pag tanggapin ng teller ang deposit, it means active pa ang account. Kapag hindi na tanggapin, it means closed na ang account.
      Kapag closed na ang account, ask your kapatid in Abu Dhabi to go back to where he sent the money and change Remittance Mode from "Deposit" to "Cash Pickup". He will erase the account number and will write your name, address and contact no. He will need to send you the reference no.
      Kapag tinanggap ng teller ang over the counter deposit mo, which means active ang account, pero hindi mo magamit ang atm card, ibig sabihin hindi na-linked ang atm card sa account -- ito ay gagawin ng kapatid mo pag-uwi. Siya lang ang puedeng mag-link, in person sa branch niya.

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  21. Hello po ma'am ask ko lng po para po saan ang $5 per month na service charge sys-gen na binabawas ng bdo sa dollar acct. Above maintaining balance naman po ang balance. Thanks!

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    1. Hi Francis: Yong pera mo ba na at least $500 ay nasa account mo every day? System-generated yong charge (sy-gen), so it means na less than $500 ang average daily balance mo for the month kapag naco-compute. The charging starts on the second month you are not able to maintain.
      If you are able to maintain, call BDO ASAP and ask about the $5 service charge. 631 8000 Metro Mla. If abroad: International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000

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    2. As far as i know po ma'am $200 lng yung maintaining ko. Nag padala ako last january more than 500 na po yung balance, but still they deduct $5. Thanks for the advice. I'll see this month kng mababawasan then i'll call BDO

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    3. Hi Francis: Nag-increase na sila ng required balance. Pag yong more than $500 mo ay andon na sa account mo on Feb 1 at hindi na nawidrohan, dapat wala ka nang $5-charge on Feb 28. Thanks for commenting here. Keep on saving!

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  22. mam, good am po. dati n po ako may BDO Kabayan Savings account 3yrs ago. OFW po ako nun. since hndi n po ngrereopen ng account ang BDO pwede po b ako mag-open uli ng account khit wala p ako oec kase ng-aapply plng po ako uli.?

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    1. Hi Maricor, puede, pero dahil Kabayan ito, they will ask for some proof that you're an OFW or a beneficiary or you will be an OFW soon. Kung meron kang recent receipt of remittance from abroad, puede rin ito. Meron ding branch na sabihin mo lang na pa-abroad ka na at ipakita mo lang ang passport and other IDs ay okay na. Try mo lang.

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  23. How can I know if my bdo kabayan account is active? I registered in the Philippines for a bdo kabayan account 1 day before my flight to Saudi so I don't know if my account has been activated,please help me because next month I want to start making remittances in my account thank you

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    1. Hi noemi: Your account has been active starting from the time you got your passbook. It was only your atm card that you needed to activate. If you did not change your atm PIN at a BDO machine here in the Philippines, then yout atm card is not active. But your account has been active since the time you opened your account.
      How long have you been in Saudi? If 12 months have passed since account opening, and you have not sent money to it from abroad, then your account will soon be closed. But if only 2 or 5 months have passed, then your account is still active. But if many more months have passed, you need to call BDO to be sure that your account is active. International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000

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  24. Good DAy!, Hello! Ask ko lang po ma'am kung active pa ung account kapag May 15,2015 ung nagkaron ako ng passbook tapos
    hindi ko pa sya nahuhulugan, nung maliban dun sa naging 100pesos na balance nung nag open ako ng account, ask ko lang po ulit kung active pa ito para malaman kung mahuhuluganko pa from abroad

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  25. ask ko lng po dito ako kuwait.nag open po aako kabayan savings llast may 2016..nAHULUGAN KO PO SYA LAST JUN JULY AT SEP.TAPOS NGAUN N LNGG PO ULIT AKO NGDEPOSIT.ACTIVE P PO KAYA SYA

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    1. Hi Judith: Sorry I missed your question. Yes, active pa dapat ang account mo. Make sure na meron ka nang at least 10k pesos sa account mo at nang sa ganon, safe ang account mo from penalties kung sakaling makalimutan mong maghulog at dumaan na ang 12 months. Ganon din halimbawa ma-dormant (no deposit or withdrawal in 24 months), safe pa rin siya from penalty. Maho-hold lang siya at hindi siya mababawasan. Maging active agad uli siya kapag nagbakasyon ka at pumunta ka sa branch with your IDs.

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  26. hi maam.. maam if hindi ka naka deposet sa iyong bdo kabayan savings account ng almost 9months. ma di deactivate po ba ito? kc gusto kong mag deposet, then natatakot ako baka na deactivate na account ko.. tsaka nong umuwi ako ng pinas di kupa na activate yong atm card ko hanggang ngayon.. .

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    1. Hi Lienad: Wala pa namang 12 months so dapat active pa ang Kabayan mo. Pero para sure, you can call BDO -- International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000. Or puede mong kausapin ang family mo dito sa Philippines to try depositing to your account over the counter at BDO. Kahit 100 pesos lang. Kung tanggapin ng teller ang deposit, ibig sabihin ay active pa ang account mo.

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  27. Mam what if I want to close my Kabayan savings account sa BDO faura branch kasi everytime na naiinvalid ang card doon ka pa kasi kailangan ayusin. Pwede po ba yun iclose then itransfer ko sa Imus branch?

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    1. Hi Gladys: Yes, you can do that. Close the one in Faura. Close it at the counter sa Faura para ma-close agad. Fill up ka na ng withdrawal slip, wala munang amount, then sabihin mo lang sa teller, puedeng pa-update itong passbook para widrohin ko lahat para ma-close ko kasi magta-transfer ako ng account. Then you can write the exact amount of your updated balance.
      Sa Imus branch, magdala ka pa rin ng receipt of foreign remittance baka lang i-require nila (kasi Kabayan nga ang i-oopen mo), or sana puede ring enough na yong old passbook from Faura na proof of being OFW or OFW dependent.

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  28. Mam nag open po aq ng bdo kabayan acc last marh 2014 pa pero hnd nmn aq nakaalis kc niloko aq ng agncy at hnd ko sya ahulugan until now closed n po ba ung acc ko.
    At may bbyrn ba aqng penalties?kaka open ko lng kc ng savings acc ngaun sa bdo.tinanung nmn skn kun may existing acc aq sv q wla pero nkita sa computer meron aqng acc sa padre faura sv q hnd nmn aq nakaalis. Ok nmn kc nka open aq ng savings acc atm lng wlang passbook. Maaapetuhan ba yung acc ko ngan? Slmt po sa sagot

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  29. Kung closed acc na po ung kabayan ko
    May epekto po ba un sa new savings acc ko slmt po

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    1. Hi clarence: Closed na yong Kabayan account mo kasi nga hindi nahulugan within one year from abroad. Itong atm account mo, alagaan mo, i-maintain mo yong 2k pesos na maintenance para walang penalty at hindi ma-closed.
      Meron bang effect yong na-closed na Kabayan mo sa new atm account mo? Wala. Hindi sila parehong account. Magkaiba sila. At matagal nang closed yong Kabayan account mo.

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  30. Hi Ms.Nora.tanong lang po paano po ba nangyayari ang pag devit sa account(BDO kabayan account) at paano po ito maiiwasan??

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    1. Hi fatifat: Nade-debit ang account kapag merong withdrawal, penalty, bank fee at fund transfer. Kaya para maiwasan ang debit, huwag magwidro palagi. Para hindi mabawasan ng 300 pesos monthly, maintain your account. Ang Kabayan ay puedeng zero ang balance ng account, pero dapat merong at least one remittance from abroad every 12 months. Kapag walang remittance from abroad ang Kabayan, dapat merong 10k pesos sa account palagi, kasi passbook ito, at ang maintenance ng regular BDO passbook ay 10k pesos.
      Merong fee yong pagwiwidro sa hindi BDO machine, so iwasang magwidro sa machines ng ibang bank kung meron namang BDO na malapit lang.

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  31. Hi Ma'am Nora ask ko lang po 14months ko na po hindi nahuhulugan yung BDO kabayan ko from abroad so regular account na siya, pwede pa po ba ibalik sa BDO kabayan yung account ko kung huhulugan ko ulit siya from abroad? Thanks po.

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    1. Hi Rabbi: Pag converted na, regular passbook account na siya at hindi na siya magiging Kabayan uli. At malamang meron nang 300 pesos penalty to be deducted kung magkakaroon ng balance. It's possible also na na-closed na. So before you send money to it, make sure muna na active pa ang account mo. Puedeng you call BDO, or ask your family to deposit 100 pesos to your account over the counter at BDO. Kapag tatanggapin ang deposit, it means active pa ang account mo. At puede pang padalhan, pero dapat agad-agad. And remember, regular passbook account na siya, at dapat you maintain 10k pesos or more in the account. Put also extra for the 300-peso penalty.

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  32. HI, MAM NORA.
    Ask ko lang po yun kabayan savings ko ay regular account na at may 2 pesos na lang ang laman na dapat 10k, then mayroon pong
    extension na iba ang account number, ito po ba ay dito na magde-deduct pag dito na ako mag remit sa extension account? salamat po.

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