2.13.2016

Are My BDO Kabayan Savings Passbook and ATM Card Different?

By Nora
Here are our answers to questions we usually receive about the passbook and ATM card that come with the BDO Kabayan savings account:

1.  Are my passbook and ATM card different?

    Yes, they are different in the sense that one is a passbook and the other is an ATM card.
   
     But they belong to one and the same account -- your account.
     Your passbook and ATM card have one and the same Account Number.
     Your Account Number is on the first page of your passbook.

2.  I always withdraw using my ATM card, what'the use of the passbook?

      For your reference and proof.
      It's a printed record of your transactions,
      such as deposits, withdrawals, remittances, or transfers, whether through ATM machine, or online or over the counter at BDO.

3.   I have been using my ATM card only, and there's no record at all in my passbook.

      Your passbook will have records of your transactions only after you present your passbook at a BDO branch for updating.

4.  Is there a deadline or time frame for updating?
   
     None. You can request for passbook updating every month, or every several months, depending on your need.

5.  Is there a fee for updating?

      None

6.  Are you required to deposit or withdraw when you update?

     No.

7.  After someone abroad sends money to my Kabayan, do I need to update my passbook before I can withdraw using my ATM card?

     No. You can withdraw through the ATM as soon as your remittance gets posted into your account.

8. Is the number on my ATM card my account number?

     No, that is not your account number. Your account number is on the first page of your passbook.
     Your account number consists of 10 digits. It has 12 digits if you include 00.

     The 16-digit number on your ATM card is your ATM card number. It's used by the bank for reference and tracking.

9.  Can I withdraw over-the-counter using my passbook?  
   
      Yes, usually if you're withdrawing a big amount.
       For smaller amounts, it's easier and faster to withdraw from the ATM machine.

10.  Is there a fee to withdraw over-the counter at a different branch?

       Yes. It's 100 pesos.

11.   Is Kabayan only for remittance from abroad? 
        Can anyone deposit to my Kabayan account over-the-counter?

         No, it's not only for remittance.
         Yes, anyone can deposit to your Kabayan account over the counter.

12.  Is there a deposit fee?

        None.
        But if you opened your account in Metro Manila, and someone deposits to your account in Laguna or in the Visays the deposit fee is 100 pesos.  This is called interbranch deposit fee. It's charged when account branch and deposit location are in different phone area zones.

13.  I opened my Kabayan account abroad.  Can I use my ATM card abroad?

       Not yet. You will have to activate your ATM card first.
       When you take your vacation in the Philippines, activate by changing your ATM PIN at a BDO ATM machine.

14.  If my ATM card is not yet active, is my Kabayan account active? Can I send money to it?

       Even if your ATM card is not yet active, your Kabayan account is already active. Yes, you can send money to it.

15.  I activated my ATM card when I was in the Philippines. But I forgot my ATM PIN. What should I do so I can use it here abroad? 

       If you no longer can remember your PIN, there's no remedy that you can do there abroad.
       Wait till you get back in the Philippines, so you can go to your BDO branch, ask for a replacement ATM card (a new ATM card), and activate your new card by changing your PIN.

50 comments:

  1. My wife is in abu dhabi, she send me his bdo kabayan atm card, i can active the bdo kabayan atm card here the philippines.. Im her husband.

    ReplyDelete
    Replies
    1. Hi Elmer, did your wife receive her atm card abroad? I'm not sure if BDO is still implementing their policy of first linking the atm card to the account (for Kabayan opened abroad).
      You can try changing the PIN. Your default PIN or old PIN is 123456. Enter this first, then enter your PIN (the one that you planned as your PIN).
      If you enter the ATM card and the screen says "no existing account, or account invalid, or account on hold, or atm card not linked to an account," it means that BDO is still requiring owners of Kabayan accounts opened abroad to go first in person to their branch of account with valid IDs to have their ATM cards linked to their accounts -- this is for security. I'm sad that even families are not allowed to link; it should be the account owners. I hope you can comment again if you were able to change the PIN.

      Delete
  2. is there a fee if someone from abroad deposited in my regular passbook account? He uses internet banking for depositing money in my account.

    ReplyDelete
    Replies
    1. Hi Catharsis, yes, your sender will pay a remittance fee because it's sent from a certain bank to another bank using an international transfer system. BDO will also deduct an inward remittance fee from the remittance, if this is its agreement with the remittance partner.

      Delete
  3. is it ok to update my passbook in any branch of BDO?

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  4. If I deposit money from my passbook is it automatically my atm has a money?

    ReplyDelete
    Replies
    1. If you deposit money into your passbook, yes, automatically your atm card will have the money, as long as your passbook and atm card belong to the same account.

      Delete
  5. I have a question. I receive my kabayan atm last friday july 8 and then I activate it with the pin number after 3hours I check it in the atm machine to check when I start to open it it apears in the machine (does not exits) is there something problem with my atm kabayan?

    ReplyDelete
    Replies
    1. BDO ATM activation, your Kabayan account exists. It's active. It's your atm card that is not yet activated. Try again on Monday afternoon.

      Delete
  6. Can I use my kabayan bdo passbook and atm abroad?

    ReplyDelete
    Replies
    1. You can use your atm abroad if it has a Mastercard logo and if you have changed your PIN at a BDO atm in the Philippines. Use a Mastercard-linked machine there. You cannot use your passbook there; it can only be used at a BDO branch here in the Phils.

      Delete
  7. But I had already the receipt thats is already active with the password I choose. Does not exist is it mean its not ready to use within 24hrs?

    ReplyDelete
    Replies
    1. Yes. Here's the SOP from BDO about card release, pin change and activation. Some new account officers forget to inform new account owners about this, based on questions posted here.

      Delete
  8. Hi, just want to ask about kabayan remittance. My sister from USA dont know how to send money through my account coz he usually using xoom everytime she send money from me or my mother. But he ask some of bank there and its too expensive. Is there anything way to send money directly to my account and affordable? Not too expenive to send.

    ReplyDelete
  9. Hi can i widraw over the counter using my kabayan passbook here in hongkong?

    ReplyDelete
    Replies
    1. Withdraw using passbook in HK?: Sorry no. The BDO HK branch is primarily for HK residents and non-residents who opened accounts in HK, USD and other major foreign currencies with that branch.

      Delete
  10. Hi i just wanna ask..I forgot my pin in my atm,i surrendered it for replacement,is it possible for me to withdraw thru my passbook??i really need your response..Thank you very much!!

    ReplyDelete
    Replies
    1. Hi ems, yes, you can withdraw using your passbook. Fill up the withdrawal slip. Bring your ID in case they need to see it.

      Delete
  11. Hi! I'm an OFW I enrolled BDO online banking, the next step is to activate electronic banking until November 20,2016 only. Do I need to go home to Philippines to activate it or there is any other option to activate it here in Dubai?
    Please advise.

    Thank you.

    ReplyDelete
    Replies
    1. Hi Spinst Maddy: Yes, the regular way to activate BDO online banking is through a BDO atm in the Philippines. There's no BDO atm in Dubai, so you cannot activate there.
      When you enrolled, did you check the option "Outside the Philippines"? Because if you checked this, after enrollment, you will be advised that someone from BDO will call you to verify your personal data and instruct you about activation through email or postal mail.
      Did you check "Within the Philippines"?

      Delete
  12. Hi! I am a seafarer in Indonesia right now. I open my kabayan account in the Philippines but i was not able to change pin. Is it posible to change my pin anywhere in asia? Is my kabayan atm already activated even without changing pin? Thank you for answering

    ReplyDelete
    Replies
    1. Hi Lhiz Cecilio: Sorry, you won't be able to activate your atm card abroad. It's only at a BDO atm here in the Philippines where you can change your default PIN and activate your card.
      Yes, your account is already active, meaning you can send money for deposit to your Kabayan account. Have you just opened your Kabayan? Remember that if you have not sent money to your Kabayan within 12 months from opening, you need to call BDO if your account is still active.

      Delete
    2. Hi maam, can I use my passbook instead to withdraw over the counter?

      Delete
    3. Hi Lhiz Cecilio: Do you mean here in the Philippines? Yes, you can withdraw over the counter at BDO in the Philippines. But sorry, NOT there abroad because there's no BDO branch abroad. There's a BDO HK, but it does not process Philippine-based account transactions.

      Delete
  13. Can i ask mam what f i send money every month then my mom did not withdraw all the money.....it's really safe to save the balance on the passbok....or its safe to save more money on passbok..

    ReplyDelete
    Replies
    1. Hi Nora: Yes, your money is safe with BDO, but make sure your atm card and passbook are kept in a secure place. It's not easy for others to guess your atm PIN and it's not easy for them to duplicate your exact signature on the withdrawal slip, but it's still wise to keep your atm card and passbook secured.
      If you're not sure if your passbook account is a Kabayan or regular passbook, make sure to keep at least 10k pesos in your account all the time.

      Delete
  14. Ask again mam f i want to kept my money in kabayan passbok.they have a limit for amount money or nothing...thanks mam

    ReplyDelete
    Replies
    1. Hi Nora: No, there's no maximum limit in deposit amount or balance. With Kabayan, you can deposit as much as you can. Save as much money as you can.

      Delete
  15. Hi, i gave my card to my family in philippines and my passbook is with me in dubai, is there any way i can update my passbook in dubai, or i can update it after a year in the philippines when i went for vacation

    ReplyDelete
    Replies
    1. About passbook update: You can't update your passbook in Dubai because there's no BDO branch there. Yes, you can update your passbook when you take your vacation here after a year.

      Delete
  16. Hi maam/sir good evening, i just want to ask can i use my bdo kabayan savings atm for debit transaction using my card? Here in saudi arabia

    ReplyDelete
    Replies
    1. Hi Joshbie: If your atm card, has a Mastercard logo, and you were able to activate your card here at a BDO atm, and the store there in Saudi allows Mastercard swiping, then yes, you can use it there. Siguro next time, keep some more money for your expenses there, so that you don't need to debit from your account, kasi sayang din yong charge. Merong charge ang swiping kasi international use.

      Delete
  17. Hi Ms. Nora! Is it possible for my Mom to withdraw a money using my brother's passbook? He is a seaferer and he left his passbook to my Mom's care. My brother intent is to leave his passbook so that my Mom could use it when needed. Thank you for your time!

    ReplyDelete
    Replies
    1. Hi Theresa: Your Mom can withdraw money only if your brother gave your Mom signed withdrawal slips, writing the name of your mother as his representative on the withdrawal slip.
      But your mother can have the passbook updated over-the-counter, so you can see the balance.

      Delete
  18. hello man i have a kabayan passbook and atm..but i forgot my pin # on my kabayan atm.Can i deposit on my account evethough i forgot my pin# thank you.

    ReplyDelete
    Replies
    1. Hi Bernadette: Yes, you can deposit to your Kabayan account even if you forgot your atm PIN. If you no longer can remember your PIN, you will need to visit your BDO branch with your IDs and request for atm card replacement, so you can input a new PIN.

      Delete
    2. You can withdraw using your passbook and a withdrawal slip if you don't have yet a new atm card.

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    3. hi,asking about BDO kabayan savings
      , why the passbok account and the atm number is different?

      Delete
    4. Hi saguira: Pareho yan sila ng account number. Ang account number ay yong number sa passbook (12 digits kung merong 00). Sa BDO atm card, hindi nakasulat ang account number sa atm card. Ang 16 digits sa atm card ay card number. Nagagamit ang card number kung mag-swipe sa SM store or if you buy online (if your atm card has Mastercard logot).

      Delete
  19. Hi Ms. Nora,

    Ask ko lng po year 2014 po ay ngopen po ako ng account sa BDO KABAYAN SAVINGS ACCOUNT for OFW here in UAE,Dubai nkpag deposit lng po ako ng initial deposit pero hindi ko n po sya naituloy. Now, po ang question ko is kung gusto ko po ulit mgopen ng account in the same bank mgagamit ko pa b ung old account ko or do I need to open na po ba ng ng panibagong account.
    Your Urgent action po is awaited.

    Thanks & Regard,
    Christine

    ReplyDelete
    Replies
    1. Hi Christine: Yong old account mo ay na-closed na most likely in 2015, so mag-open ka na lang ng new account. Puedeng with the same bank.

      Delete
    2. Hi Ms. Norma.

      Thank you for the prompt reply. Paano po pla malalaman kung closed n po tlga ung old account ko?
      Kung sakali po mag open po ako ng panibgong aacount paano po maactivate sa pinas at ano po ung mga requirements pra maactivate? Kung sakali po b na inasikaso ko ngayon in the same day ay makakapag withdraw n po b ako kaagad thru ATM machine and thru OVER THE COUNTER.. Thanks

      Delete
    3. Hi Christine Joy: How to know for sure if your account is already closed? You can call BDO from abroad: 00-800-8-631-8000 or 00-632 631 8000, or you can ask your family or friend to deposit 100 pesos to your Kabayan account at BDO. If the teller does not accept the deposit, it means your account is already closed.
      If you open a new BDO account abroad, usually your passbook and atm card will be available after a month, and your atm card will not yet be active. You cannot use it abroad. You have to activate it at a BDO machine in the Philippines.
      If you open in the Philippines, you can get immediately your passbook, but you have to return to get your atm card, maybe after 5 to 7 days. You activate your atm card by changing the default PIN to your desired PIN at a BDO machine. After activating your card, wait for 24 or 48 hours before using it. Ang sagot is hindi mo agad makukuha ang atm card mo at hindi mo agad magagamit for withdrawal.
      About withdrawing just after you opened your account over the counter, I think puede, kasi puede-puede na ang deposit, but I'm not sure really about withdrawal just after opening. Baka merong unique policy ang BDO.

      Delete
  20. Good day...po ask ko lang kapag po ba nag open ako ng kabayan savings magkano po ang babayaran ko at my kasama na po ba syang passbook at atm...salamat po

    ReplyDelete
    Replies
    1. About opening a Kabayan account: To open a Kabayan, dapat meron kang ipe-present na proof that you're an OFW, or an OFW dependent (like recent foreign remittance receipt or OEC). Ang initial deposit is at least 100 pesos. Ibibigay agad sa iyo ang passbook. Puede nang depositohan uli over the counter if you like. You will be asked to return to claim your atm card, maybe after 5 to 7 days.

      Delete
    2. Dear Ms. Nora,

      Good day.

      Would like to know if it possible for my friend in the Philippines to deposit a cheque(RCBC) on my BDO Kabayan account.I open it in Manila but my friend is from Visayas.
      They already go to the bank but the bank advise them to tell me that I should go to the branch where I open it..My problem is that I'm not in the Philippines right now.

      Awaiting for your kind advise.

      Thank you.

      Delete
    3. About cheque deposit to Kabayan account: Sorry, but based on comments on our blogs, BDO tellers have rejected cheque deposits to Kabayan accounts. The tellers explained that Kabayan accounts are for remittances and cash deposits only.
      What is your RCBC cheque for? Was it your back pay from your former employer? If it is, have your friend ask your former employer if you can issue a SPA to them so they can reissue your cheque in your trusted family member's name so he can deposit it to his own account, then deposit the money to your Kabayan account when cleared. I hope a SPA there where you are does not cost much.
      Another option is if your family knows a helpful manager or officer of a rural bank there, they can ask for help how they can deposit or encash your cheque.

      Delete
  21. Hi Miss Nora,

    I would like to ask about the difference between my savings account number and my atm card number. I enrolled my account on paypal and I used the savings account number for the bank and enrolled my atm card number too. I transferred money from paypal to my bank account using the savings account number but it hasn't arrived yet. It has been 5 working days and it said only 2-4 working days for the transfer to be completed. I am worried that the money I transferred went to another account . I used the number on my passbook for the account number. It's my first time doing this online banking thing so it would be great if you could shed some light to me .

    Good day

    ReplyDelete

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