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.

194 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.

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    2. Mam NoRA TAMBA WHAT IF IN MY CASE I CANT GO HOME FOR VALID REASONS I OPENED AN ACCOUNT HERE IN CBN GROUP PARIS BRANCH DO I HAVE TO GO HOME FIRST BEFORE LINKING MY ATM AND MY PASSBOOK?IS THERE ANY OTHER WAY ASIDE FROM SENDING WIDRAWAL SLIP USING MY ATM CARD?

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    3. hi maam is there a remedy of linking the atm debit card into the passbook aside from personal appearance of the owner to the brance

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  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.

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    2. Hi Ms.Nora, its my first time to use an Kabayan savings acct because my husband left it to me while his in Oman. So i just want to know if how much is the remittance fee whenever he will send money to his acct. ThAnk u so much.

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  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.

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  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.

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

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    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.

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    2. Mine has only bancnet logo can i use it abroad? I opened my account in the philippines and my father is sending remittance to my account but im in taiwN right now can i withdraw money here?

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    3. Mine has only bancnet logo can i use it abroad? I opened my account in the philippines and my father is sending remittance to my account but im in taiwN right now can i withdraw money here?

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  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.

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  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.

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  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.

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  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.

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  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"?

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  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.

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

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    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.

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  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.

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  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.

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  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.

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  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.

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    2. if ung Kabayan card pinalagyan ng mastercard logo, no maintaining balance pa rin ba? every month nman sya may foreign remittance. Thanks in advance.

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  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.

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  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.

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    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?

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    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).

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    5. Maam pwde po ba magwedrow sa passbook kahit hindi personal

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  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.

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    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

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    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.

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  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.

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    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
  22. Good day.

    Question we open kabayan saving account last nov 20 and activate on the same day. I left the atm and passbook at the philippine to my wife. Nngayon nagpadala na ako.nagkakaproblema si misis kasi ang nangyayari after nya ilagay un pin at magwiwithdraw na lalabas pin incorrect o cancel ang transacgion any help

    Thanks

    ReplyDelete
    Replies
    1. PIN Incorrect: I can't think of any reason why the PIN could be incorrect since you said you already activated. Hindi naman siguro maling number keys ang napipindot ni misis. "Savings" din naman siguro yong type of account that she's pressing. Have she tried another BDO machine?
      If still not successful, ask your wife to update your passbook at your branch so she can see if your remittance has been deposited. And then call BDO to ask
      00-800-8-631-8000 or 00-632 631 8000
      If PIN problem can't be solved, then remit to your wife for Cash Pickup. Or she can open her own Kabayan and you can deposit to that account. Observe which has better exchange rate -- remitting in foreign currency, or remitting in peso (already converted in the country where you are sending from).

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    2. correction: "HAS she tried another BDO machine?"

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    3. For kabayan account only at bdo machine can withdraw? She is using different bank machine.

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    4. Good day miss nora.

      After itry ni misis yung atm @ bdo machine Invalid PIN n un nalabas.

      Thanks. God bless

      Delete
    5. Hi Niño: Sabi mo you activated on the same day, meaning you changed the default PIN into your own PIN, di ba ganon? Meron kang nakita na similar to "Your PIN change was successful". Kaya I can't think of any reason why your PIN is invalid or incorrect. And sadly, it's only you who can go to your branch to ask, kasi ito ay iyong account. It's also only you who can request for a replacement card in case your PIN does not work.
      You can write your inquiry here: BDO Contact Page. You can also call BDO, toll-free if you use a landline: 00-800-8-631-8000 or 00-632 631 8000

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    6. If i will send an authorization email to the branch. Can my wife ask the bank with the authorization email and marriage contract

      Thanks

      Delete
  23. Good afternoon tanong ko lang po kong pwede ko pong i update at mag withdraw ang passbook ko sa ibang branch... Thank you

    ReplyDelete
  24. Good afternoon pwede ko po bang i update at mag withdraw sa passbook ko sa ibang bdo branch thank you.

    ReplyDelete
    Replies
    1. Hi nikki: Yes, puedeng pa-update ang passbook at any branch. Yong sa pagwidro, merong branch na ayaw, merong branch na okay. Bring your valid IDs so you can present them if needed.

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  25. Kong last hulog ko poh sa kabayan saving ko ay last July 2015 mkukuha ko poh ba ng buo ung laman ng passbook ko..at pwede ko poh ba un mkuha sa khit anong branch ng bdo.?thank u poh.

    ReplyDelete
    Replies
    1. Hi Moiz: Ang balance mo ba noong July 2015 ay 10,000 pesos or more? If yes, oo makukuha mo nang buo. Kung less than, meron nang bawas yon. Noong July 2016, bale 12 months na siya na walang foreign remittance, so na-convert siya into a regular passbook account. Pag regular account, required na ang 10k pesos na maintaining balance. Kung less than 10k ang balance mo, puedeng nabawasan na ng around 1,200 pesos (4 months x 300 pesos).
      Yes, puede kang magwidro sa ibang branch using your passbook. Bring your valid IDs baka hanapin. Merong mga branches na strict, at ituturo ka sa iyong own branch, pero makiusap ka sa manager. Or use your atm card para mawidro mo kahit saan.

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  26. Panu poh un..nong bgo poh ako nag abroad kumuha poh ako ng kabayan saving account ko pero po 'wala po silang binigay na ATM sa akin passbook lng poh....nkkkuha pa poh ba aq ng ATM..???.at pwd poh ba aq kumuha ng ATM kahit anong branch poh.???thank u poh.

    ReplyDelete
    Replies
    1. Hi Moiz: Binabalikan kasi yong atm card after 5 to 7 days from date of opening. Dapat nasabi sa iyo ng bank officer. You are required to get your atm card at your own branch.

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  27. .meron pa poh akong tanong mam..kc po walang cnbi sa kin dati ang bank officer na balikan ko ATM...kya hndi ko poh nkuha....ngaun poh na nsa pinas na poh ako pwd ko pa poh bang kunin ung ATM ko..???...at ilang araw ko poh bgo mkuha un..???.thanks poh mam..waiting for ur kindly reply.

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  28. good pm po sir/,maam ask ko lang po sana saan abanda dtio yung 00 na tinutokoy mo na hindi kasali sa account number sa passbook eto po sa passbok ex. 010070051835

    ReplyDelete
  29. Hello po maam, ask q lng poh..meron poh kc aKong ate from Canada.. Kung magpdla poh ba xa pwede bng ibigay Ko lng bank account Ko at direct n nyang hulugan

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  30. Hi po. Pwede po bang i update sa BDO SM marilao branch ung passbook ko? Nag pa open po kasi ako sa PADRE FAURA branch sa malate nung nag PDOS ako. Thank you.

    ReplyDelete
    Replies
    1. Updating of BDO Kabayan passbook: Yes, puedeng ipa-update sa ibang branch ang passbook. Yong iba nga, puede ring magwithdraw over the counter kahit ibang branch, tanungin mo lang.

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  31. hi powh..ask ko lang powh bat selected account does not exist ung kabayan saving pag nagbal.inj.and withdraw powh..thank you//pls help..

    ReplyDelete
  32. hi powh..ask ko lang powh bat selected account does not exist ung kabayan saving pag nagbal.inj.and withdraw powh..thank you//pls help..
    nagopen powh sa dubai tas pinadala nia powh dito pinas..

    ReplyDelete
  33. Hello po Ms. Nora. My friend wants to send me money from HK. Kailangan bang may BDO Account din siya sa HK? Or pwede lang na sa Cebuana Lhuillier siya magpadala doon tapos direct na ma-deposit sa BDO Kabayan account ko? Usually, Cebuana Lhuillier kasi siya magpadala sa akin. So gusto ko this time sa BDO ko para di maging regular passbook yung account ko which is mag maintain ng 10k. Salamat po.

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  34. Hi maam, I want to open a kabayan savings account here in qatar is there any processes about my atm when I come back to the Philippines? Or I can withdraw directly as I want?

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  35. Hello there. I opened my bdo kabayan account here in abroad. And I'm using it as my savings Also I didn't change my pin yet coz there's no chance to have my vacation in Phils. Is it okay if I will change my ATM pin after 3 to 4 years once I'll get back to Phils.??? But I'm still continuing to send money to it?? Another concern is one of my family from Phils could send money to my bdo kabayan savings account? Are they allowed? for example.

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  36. Good day ms.nora,
    May kabayan passbook na po ako..wala pa pong atm kasi nka alis nkoh bago pa po irelease..pwd po ba akong magdeposit sa passbook ko as savings?panu ko po ma uupdate? Salamat po

    ReplyDelete
  37. Good day ms.nora,
    May kabayan passbook na po ako..wala pa pong atm kasi nka alis nkoh bago pa po irelease..pwd po ba akong magdeposit sa passbook ko as savings?panu ko po ma uupdate? Salamat po

    ReplyDelete
  38. Hello! My atm card is broken and I only have the passbook. For example I open my BDO Kabayan Account in Mandaluyong Dansalan Branch. Is it possible that I can withdraw over the counter in different branch like in Aklan Branch? Thank you! Hoping for a quick response.

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    Replies
    1. pwede daw po, may charge daw ata 100php

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    2. pwede daw po, may charge daw ata 100php

      Delete
  39. Good day po! Yung uncle ko OFW sa Saudi iniwan nya yung BDO Kabayan savings passbook nya sa akin. The problem po is nag huhulog sya ng pera nag a update sa system ng bdo pero hindi pumapasok dun sa passbook nya. Sabi po ng BDO personnel kelangan iupdate mismo sa branch kung saan inopen ang account. Pwede po bang ako ang mag update or makipag transact sa BDO?

    ReplyDelete
  40. Hello . What to do? Please help me . I use my card and I enter the wrong password. This is the 2nd time. Kailangan ko ksi mag wid. Hindi nkse pwede mgmit acc. Ko pwede sya kso bukas pa . Can i use my passbook para makapag withdraw?

    ReplyDelete
    Replies
    1. Passbook withdrawal: Oo, puedeng gamitin ang passbook to withdraw over the counter. Fill up the withdrawal slip. Pero bakit sabi mo hindi pa puedeng gamitin ngayon ang account mo dahil bukas pa dapat? Na-dormant ba ang account mo at kaka-activate mo pa lang? At sabi ng BDO, bukas ka pa puedeng magwidro? Kung ganito nga ang case mo ay bukas ka pa puedeng magwidro, ke atm or over the counter.
      Pero kung andiyan ka na sa branch, try mo na ring magwidro over the counter.

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    2. Mam Nora pending pa po yung activation ng online banking ko kasi failed ako sa verification ng bdo pero nagpass nko ng requirements through courier at na received npo ng bdo main nung Jan.11 pa po...bakit po kaya di pa nila inactivate at safe po ba na hinuhulugan ko pa yung account ko?

      Delete
    3. Hi Jayson: Yong BDO officer ba na nakausap mo sa phone ang nagsabi na magpadala ka ng documents by courier to BDO? Kasi merong mga comments dito na sinuspende raw ng BDO ang pagtanggap ng online banking from abroad kasi meron daw silang na-discover na fraudulent enrollment.
      Ang best way ay to call BDO again and ask them about your enrollment and your account. Free call if you use ask a landline there where you are: International Access Code-800-8-6318000

      Delete
  41. or puedeng 00-800-8-631-8000 or 00-632 631 8000

    ReplyDelete
  42. Hello Mam Nora,

    I opened my bdo kabayan account here in abroad. And I'm using it as my savings Also I didn't change my pin yet coz there's no chance to have my vacation in Phils. Is it okay if I will change my ATM pin after 3 to 4 years once I'll get back to Phils.??? But I'm still continuing to send money to it?? Another concern is one of my family from Phils could send money to my bdo kabayan savings account? Are they allowed? for example.hope you can help me.. ;) thank you mam..

    ReplyDelete
    Replies
    1. Hello Christialyn: Yes, you can continue to send money to your account even if you have not changed your default atm PIN. Your account is active; it's only your atm card that is not active.
      Yes, you can change your default PIN when you get back here even after several years. But you need to go to your branch first to link your atm card to your account, as years have passed by. Or you can call BDO upon arrival at the airport: 631 8000.
      Yes, your family member or anyone can send money to your account. Anyone can deposit to your account over the counter. In fact, this is one way to test that your account is active. If the teller accepts a deposit to your account over-the-counter, this means your account is active.
      Important: You should send money to your account at least once every 12 months so that it remains a Kabayan account. But based on what you said, it seems you're sending regularly, so that's great. If you have a landline there, you can call BDO to ask about your balance toll-free:
      International Access Code-800-8-6318000

      Delete
  43. Hi ma'am. I would like to ask kasi mom and i ko nag open ng joint BDO kabayan account. And passbook noya nasa akin. May I know po kung pano malaman if pumasok ang pera at ma update siya sa passbook? Thank you.

    ReplyDelete
    Replies
    1. Hi BDO kabayan joint-account owner: "OR" ba ang joint account ninyo? Merong "OR" between your name and your mother's name sa passbook? If yes, puede mong i-enroll sa BDO online banking ang account nio. Punta ka lang dito: BDO online banking enrollment, then click "Enroll Now".
      Puede ka ring pumunta sa any BDO branch and magpa-update sa teller. Sabihin mo lang "Puede pong pa-update?" as you present your passbook.

      Delete
  44. Hi Ms. Nora!
    I have opened a BDO Kabayan Savings Account here in UAE, my question is can I send my ATM card to my boyfriend and have it activated in the Philippines and also can I enroll to online banking here abroad? Please advise.

    Thank you very much!

    ReplyDelete
  45. Good day.. i'm in south korea and my wife in the philippines has my passbook and atm.. unfortunately she's unable to enter the right PIN in the atm that i gave to her due to wrong pin. What should she will do for able to reset pin and withdraw money from mu remittance?

    ReplyDelete
  46. Hi Genesis: She can try again after 24 hours. The PIN automatically resets after 24 hours. If the correct PIN can no longer be remembered, a new atm card should be requested from BDO so that a new PIN can be entered. And I'm sorry that your wife cannot make the request for a new atm card because she's not the account owner. It should be you in person at the branch.
    One solution is for her to send you a withdrawal slip and authorize her to withdraw and sign, and then send back to her the withdrawal slip. Another option is to send your next remittance for CASH PICKUP at BDO. Your wife can present your passbook to the teller for updating so you'll know your remittance has been credited to your account.

    ReplyDelete
    Replies
    1. She has my passbook.. can she withdraw money from my passbook?

      Delete
    2. Hi Genesis: No, because it is not her passbook. You can authorize her to withdraw using BDO's withdrawal slip. She can send you the withdrawal slip, you sign it and then you send it back to her. Sign only, do not write your name and account number -- for security purposes. She will fill up the rest with the same ink color.

      Delete
    3. This comment has been removed by the author.

      Delete
    4. So i still need to write an authorization letter or does she need to bring any id's?

      Delete
  47. Hi, Ms. Nora!
    Nag-open po ako ng Kabayan Savings Account Jan 2013 at umalis ng Pinas Feb 2013, nakapagwithdraw ako ng pera bago umalis dahil sa deposit ng ate ko. Yun ang huling deposit at withdrawal. Closed account na po ba iyon? Saan makikita ang status ng account at ma clear ang dormant fee, kung meron man? Salamat po!

    ReplyDelete
    Replies
    1. BDO Kabayan opened in Jan 2013: Sorry, closed na ang account mo noon pang March or April 2014, kasi ang rule ng BDO is dapat merong at least isang remittance from abroad every 12 months. Kung walang foreign remittance after 12 months, ma-convert ang Kabayan into a regular passbook account at meron nang maintaining balance requirement na 10k pesos. Kung lower than 10k, mababawasan ng 300 pesos na penalty every month. Kung naubos na ang laman to pay the penalty, ma-automatic closed na.
      Puede kang tumawag sa BDO: International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000

      Delete
    2. Maraming salamat po!

      Delete
    3. Mam Nora pwide po ba na ang husband ko humawak sa passbook with atm ko kasi sya na man ang amgddeposit habang nasa indonesia ako

      Delete
  48. Ang dormant account ay account na walang withdrawal or deposit sa loob ng 24 months, pero merong balance. Kung lower than maintaining-balance ang laman, puede ring maubos ang laman dahil sa penalty kung hindi mare-activate agad at mapunuan yong kulang para ma-maintain.

    ReplyDelete
  49. Ma'am pwede po ba magpadala ang relatives ko abroad to my kabayan account from other bank,not bdo?

    ReplyDelete
    Replies
    1. Sending money from abroad to Kabayan through a non-BDO bank: Yes, puedeng-puede. Pero mas mabilis ang arrival at mas mura ang remittance fee kapag magpadala sila ng pera using a BDO remittance partner. Ang mga global partners of BDO are Moneygram, Xoom, Xpress Money, Wells Fargo, RIA. Meron ding mga BDO Remit offices at iba pang partners

      Delete
  50. Hi Ms. Nora!
    I have opened a BDO Kabayan Savings Account here in UAE, my question is can I send my ATM card to my boyfriend and have it activated in the Philippines and also can I enroll to online banking here abroad? Please advise.

    Thank you very much!

    ReplyDelete
    Replies
    1. Hi Charmaine, yes, puedeng gawin yan, kelangan lang na sure ka doon sa pagpadalhan mo ng atm card, at dapat konti lang muna ang laman.
      This is
      How to Enroll in BDO Online Banking while abroad . Dapat tandaan mo yong mga isusulat mo sa online form para mag-match ang mga data mo pag tatawagan ka na ng BDO for verification.

      Delete
    2. Hi Ms. Nora, Thank you for your advise.
      I already received my passbook and atm that I recently opened here in UAE. I also did already the online banking application. Today I received a call (though in my phone shows unknown caller) from a BDO agent and asked me few only firmly asked me about my address which I strongly believed that what I answered is what I written in my application form. And then she told me that some details did not match so for my account verification I have to mail to the branch of account the following documents like passport copy, local government issued I.d and front copy of my atm card.

      If I fail to submit these all, will my bank account be deactivated or it's just my online application?

      Thank you for answering.

      Delete
  51. if i have kabayan atm card can i use it to pay airlines online purchase ticket?

    ReplyDelete
    Replies
    1. Hi yang sang, if your atm card has a Mastercard or Visa logo, yes, you can use it to pay your airline ticket online. Your card should have your name on it, a 16-digit number, an expiry date and a 3-digit number at the back of the card.

      Delete
  52. HI mam nora,

    Can i deposit checks in bdo kabayan savings?..

    ReplyDelete
    Replies
    1. Hi jil: If you opened your account here in the Philippines, and have deposited cash already previously, yes, you should be able to deposit a cheque into your Kabayan.

      Delete
    2. Good morning poh..ask q lng poh pde poh ba mgopen ng kabayan savings dito poh s abroad pero my account n poh aq s pinas peso savings poh...thanks poh

      Delete
  53. I opened BDO Kabayan savings account in Manila, I am now here in Kuwait and I lost my atm card, can I request for a new atm card at any BDO branch (Davao , my locality) or I should be requesting a new atm card to the branch I opened the account to?

    ReplyDelete
  54. Hi Ma'am, Magkano po ma withdraw ko every day using may kabayan ATM card?
    Thanks po.

    ReplyDelete
    Replies
    1. BDO Kabayan atm withdrawal: Ang maximum amount you can withdraw per day is 50,000 pesos. Ang maximum kada withdrawal ay 10,000 pesos (BDO machines). Ilang beses puedeng magwidro sa isang araw? Up to 5 times lang.
      If you need more money, withdraw over the counter, kasi passbook account naman ang Kabayan.

      Delete
  55. Hi, how many days to wait para magreflect ung pera sa kabayan account? today for example na deposit from south korea. thank you!

    ReplyDelete
    Replies
    1. Hi lyrapuedeng ma-credit sa account mamyang gabi or tomorrow, based on my experience.
      Kapag Moneygram for cash pickup, yon ang puedeng kunin agad.

      Delete
  56. hi. i lost my passbook and forget my account number.but i have my atm card kabayan savings with me.what should i do? i want to deposit a money. i lost it about a month ago.

    ReplyDelete
  57. Hi maria: It's almost impossible that someone can use your passbook to withdraw, that they can imitate exactly your signature on BDO's records, but do you feel comfortable that your passbook maybe in someone's hands?
    If you have a big amount in your account (more than 10k pesos), you should call BDO and tell them you lost your passbook, and that you request them to hold your account. There will be no penalty, as your balance is more than 10k pesos (the maintaining balance requirement).
    Ask them also your account number. Tell them your 16-digit atm card number.
    BDO:
    International Access Code-800-8-6318000 or 00-800-8-631-8000 or 00-632 631 8000

    ReplyDelete
  58. Hi maria: By the way, if your account is put on hold, you cannot deposit or send money to it, until the time you get back in the Philippines, and have your passbook replaced. Ask the BDO officer when you call

    ReplyDelete
  59. Can i open an another account if already have account..thanks

    ReplyDelete
  60. Hi Cobbie, yes, but it should be another type of account. If you already have Kabayan, then open an atm-only account, or a dollar account or a regular passbook account.

    ReplyDelete
    Replies
    1. Thanks mam..but I have a peso savings account..i want to open a kabayan savings account can i open a kabayan savings?thank you

      Delete
  61. hi mam i just want to ask what is the requirement for requesting for a replacement of kabayan savings passbook. i lost it in our house a few months ago since i always use my atm card to widraw but my husband advised me to get a replacement passbook because we might need a proof of reference in d future. i just want to ask waht are the requirements and is it hard to apply for the replacement how much is the fee for this and how many days will i get it. thank you

    ReplyDelete
  62. Can I link BDO Kabayan to my paypal account? how much will be the charges per withdrawals?

    ReplyDelete
  63. hello maam nora in my case i have my kabayan passbook and atm here i already activated my atm.maam is it possible to do transaction in atm with out updating my passbook?

    ReplyDelete
  64. Mam ask ko lang po about BDO dollar accnt namin ng mam ko, kasi po bago sya umalis ng banda e nagpajoint accnt po kami sa BDO ngayon po bakit ganun bawala po ako mag deposit ng cheque nya galing US and bawal na daw po ako pirma sa likod ng cheque,, pano po un e naka joint accnt naman po kami...kaya nga po kaki ng joint accnt para ako maka deposit and withdraw habang wala sya until june.. monthly cheque po ang nadating.. salamat po sa reply asap

    ReplyDelete
  65. Hello Ms.Nora,
    I really like to make an online banking using my bdo kabayan card. However,it seems there is no chance co'z my card is not active yet. Do you have some advice to make it happen. Is it possible to make request thru email & send it to the branch to activate my ATM card and I will just change the pin online instead so I can use it? Don't know when I'll be back in Philippines. ;( hope you can help me.

    ReplyDelete
  66. Hello Ms.Nora,
    I really like to make an online banking using my bdo kabayan card. However,it seems there is no chance co'z my card is not active yet. Do you have some advice to make it happen. Is it possible to make request thru email & send it to the branch to activate my ATM card and I will just change the pin online instead so I can use it? Don't know when I'll be back in Philippines. ;( hope you can help me.

    ReplyDelete
  67. hi. just want to ask, is there a 100 charge everytime someone sends me a remittance? last month i was charged for 100 when i received my remittance then this month i was charged again.

    ReplyDelete
  68. Hi mam nora, just want to ask if how much is the service fee everytime you check your balance inquiry using kabayan savings atm here in Saudi?

    ReplyDelete
  69. hi ma'am i just want to ask something. there is someone send me a money but he send it in my atm number is it ok?

    ReplyDelete
  70. hi ma'am i just want to ask something. there is someone send me a money but he send it in my atm number is it ok?

    ReplyDelete
    Replies
    1. Hi isay: If your atm card is a cash card, the remittance will be credited to your cash card. If your account is a Kabayan or regular atm account, most likely, the money will not be posted, as it should be the account number that was used.
      If after 5 days, the remittance is not posted, go to your branch and ask. You might have to ask your sender to go back to where he/she sent the money and change the card number to your account number.

      Delete
  71. Hi Ms. Nora, Thank you for your advise.
    I already received my passbook and atm that I recently opened here in UAE. I also did already the online banking application. Today I received a call (though in my phone shows unknown caller) from a BDO agent and asked me few only firmly asked me about my address which I strongly believed that what I answered is what I written in my application form. And then she told me that some details did not match so for my account verification I have to mail to the branch of account the following documents like passport copy, local government issued I.d and front copy of my atm card.

    If I fail to submit these all, will my bank account be deactivated or it's just my online application?

    And if I willno longer proceed to my account verification is it safe still to deposit money to my account?

    Thank you for answering.

    ReplyDelete
    Replies
    1. Online enrollment verification by phone call: Your account will still be active even if you will not complete your online banking enrollment. What will not be active is your online banking.
      About account security: Yes, your account is safe even if you will not verify your online banking enrollment. Those documents that you were asked to send to your branch is only for the purpose of activating your online banking enrollment. Your account is already active.
      About your atm card: It's not yet active. You will need to change your default PIN at a BDO machine in the Philippines

      Delete
    2. Re: Thank you very much Ms. Nora for taking time in answering my questions.

      You are indeed a big help, especially for the OFW's like me.

      Thank you and God bless you!

      Delete
  72. Hello Ms.Nora,
    I really like to make an online banking using my bdo kabayan card. However,it seems there is no chance co'z my card is not active yet. Do you have some advice to make it happen. Is it possible to make request thru email & send it to the branch to activate my ATM card and I will just change the pin online instead so I can use it? Don't know when I'll be back in Philippines. ;( hope you can help me. Thank you in advance.

    ReplyDelete
  73. Ma'am nora, i purchased online using my kabayan mastercard, will the purchase history be saved on my passbook if i updated it in bank? THANKS foe answering

    ReplyDelete
    Replies
    1. Purchase history on BDO passbook: Yes, it will appear on your passbook, but it's not detailed. You will see only the date, amount (under debit) and the code DM for Debit Memo.
      If the purchase is recent, I think you can see the name of the merchant thru your BDO online banking via "My Transactions"

      Delete
  74. I lost my passbook, can i still withdraw over the counter? what should i do about the lost passsbook? can i ask for another one?

    ReplyDelete
    Replies
    1. About lost passbook: Without your passbook, you cannot withdraw over the counter. Report the loss of your passbook asap. Yes, you should ask for a replacement passbook. Bring your IDs. They might ask you to present an Affidavit of Loss of Passbook.

      Delete
  75. Hi po ! I have kabayan bdo account can my father withdraw sa account ko by a withdrawal slip lang po?
    Nsa abroad po kasi a ko��

    ReplyDelete
    Replies
    1. Father will withdraw: Kung napirmahan mo yong representative authorization sa withdrawal slip at eksaktong match ang pirma mo sa withdrawal slip at yong pirma mo sa record ng BDO at dala ng father mo ang passbook mo, puedeng makawidro ang father mo.

      Delete
    2. At dapat meron ding valid ID ang father mo.

      Delete
  76. Hi maam good day!
    May BDO kabayan savings at ATM ako kaso ATM ko walang MasterCard diko magamit pambile online paano po kaya yun pwede ba papalitan and pag pinalitan magkano na maintaining balance nya 100 padin ba?

    ReplyDelete
    Replies
    1. Hi mcrenzie, kung palaging merong nagpapadala sa Kabayan account mo from abroad, hindi na kelangan ang maintenance. About your atm card, puede kang pumunta sa BDO branch mo at mag-request ng merong Mastercard. Titingnan nila kung maraming beses magpadala ang sender mo sa Kabayan mo.
      Kung gusto mo ng pambili online, puede kang bumili ng Smart PayMaya Mastercard sa Smart, 150 pesos lang, kung Smart ang SIM mo. Kung Globe naman, puedeng Smart PayMaya Visa. Puede ring PayMaya virtual card , walang bayad. Basahin mo lang ito: PayMaya Visa or Mastercard virtual cards. Pang-OFWs ang nakasulat dito, pero puede naman for anyone.

      Delete
  77. Hi M'am,

    Magandang Araw po. Tanung ko lang po ang KABAYAN savings account po ba ay para lang sa mga OFW. in case po kasi umuwi ako at mag premanent na kelangan ko ba echange ang acccount ko sa regular saving account? at kahit san bang branch pwede ako mag update ng passbook o kaya mag palit ng status ng account? you reply well be appreciated. salamat po.

    ReplyDelete
    Replies
    1. Change Kabayan to regular account: Yes, ang Kabayan was designed for OFWs. Walang maintenance basta magpadala lang from time to time from abroad. Kung wala nang foreign remittance within 12 months dahil andito ka na sa Philippines, automatic na siyang maging regular account at required na ng at least 10k pesos na maintaining balance. Pero kung gusto mong mag-open ng BDO atm account dahil 2k lang ang maintenance nito, puede. Pa-update mo ang Kabayan mo then iwidro mo na lang lahat yong balance mo over the counter (kahit saang branch) then mag-open ka ng atm account. Mas mababa ang maintenance niya -- 2k pesos lang.
      Yes, you can update your passbook kahit saang branch.

      Delete
  78. hello maam, may kabayan savings passbook at atm with mastercard logo po ako, hindi po sya pwede pangbook hotel abroad like Singapore?

    ReplyDelete
    Replies
    1. Hi Janelle: Puedeng pang-book ng hotel online ang Kabayan Mastercard debit card. Kung walang debit card na option, choose credit card.
      Kung gamitin mo naman in person sa mismong hotel sa Singapore, depende sa hotel kung yong swipe gadget nila ay linked to Mastercard. But most hotels should have both Visa and Mastercard. To be sure, bring cash for backup in case your debit card won't work abroad.

      Delete
  79. Good morning Maam, bakit po ganun- i tried booking hotel online po pero declined po sya

    ReplyDelete
    Replies
    1. Hi Janelle: Nakaka-puzzle din nga yang Kabayan, kasi marami ding nagko-comment dito na they can use their Kabayan online at meron ding mga hindi nakakagamit, kahit MasterCard-linked naman ang cards nila. I think meron ding compatibility issues ang mga systems na ginagamit ng mga merchants, kasi yong EastWest Visa debit card ko ay hindi ko rin magamit to pay Globe online. You can call BDO.
      Kung walang ibang paraan, if you like, you can try virtual PayMaya Visa, kasi nagamit ko siya sa Globe at iba pa. Puede ring PayMaya Smart Mastercard. Download mo lang ang PayMaya app from Apple Store or Google Play. Free. At lodan mo lang through BDO online banking. Sa BDO bills payment to PayMaya, use your registered phone as your reference number.
      For more information about PayMaya: paymaya.com

      Delete
    2. When loading PayMaya via BDO online banking, nake-credit ang load after 2 hours, basta between 9am and 10pm on weekdays

      Delete
  80. ask ko lng po mag sasaudi po kasi ako then kakaopen ko lng dito sa pinas ng bdo kabayan at balak ko iwan sa nanay ko ang passbook at atm. pag magpadala po ba ako from saudi to my account sa pinas mas makakamura po ba ko sa remittance

    ReplyDelete
    Replies
    1. Hi jin: Mas maganda na papalitan mo na into peso yong riyal mo doon, then ipadala mo sa BDO Kabayan mo. Kasi maraming nakapansin na mababa ang palitan ng BDO sa mga dollars or riyal na ipinapadala sa Kabayan account.
      About sa remittance fee, mag-observe ka na lang. Tingnan mo na hindi tataas sa 25 riyals ang remittance fee. Kapag mga 16 riyals, okay na. Try mo Enjaz at Al Zamil. Here's a list of BDO remittance partners in Saudi Arabia.

      Delete
  81. Tanong ko lang po may branch po ba ang BDO sa ibang bansa. O mga partner agency remittance center. Saan po pwdng mg update ng passbook pag nasa ibang bansa na. Thanks po.

    ReplyDelete
  82. Hello po. Ask lang po kung pwede po bang gamitin ung bdo kabayan savings card to purchase online products like sa Amazon po? Thank you po ng Marami.

    ReplyDelete
    Replies
    1. Use Kabayan to buy online?: Yes, if your atm card has a Mastercard logo, has an expiry date and a 3-digit security code at the back. Choose the "credit card" option.
      There are online sites though that are strict, and their system rejects debit cards being used as credit cards.
      If you like, you can apply for a free PayMaya virtual card, load your virtual card through your online banking, and use it to buy online. Just go to paymaya.com

      Delete
  83. Good evening ma'am/sir. Am I going to sign at the back of my Kabayan Savings Card, (ATM)?

    ReplyDelete
  84. Hi Ma'am last sept. Po hinulugan ng sister kong asa abroad ung kabayan atm koh and na widraw ko na toh ang tanda ko my balance ung atm kong 400.00.,Then now andto na po ako sa singapore dala ko ang atm at passbook ko gusto ko pong lagyan yung atm ko. Pwede ko po ba itong hlugan ang bank account ko thru western union?

    ReplyDelete
  85. 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.

    ReplyDelete
  86. Hi. Can I ask u regarding my acct. I am an online freelancer and i thought that it would be okay to send money to the 16dgit which is tge number on the atm card. It has been 4days and until now my money didnt reach my account. :( what could be the possible solution for this. I used payoneer to bdo kabayan (atm card 16dgits) pls reply. Badly need your help

    ReplyDelete
  87. Hi Ms. Nora,

    Ask ko.lang kung papano idedeposit ung cheque ko sa pilipinas eh nasa saudi arabia ako ngaun.?kabayan saving account lang ako meron ms. Nora. At ung ka office mate ko ung pinapadeposit ko.as per BDO hindi daw pwede sa kabayana saving kasi cash deposit lng daw.anu po pwede ko gawin.

    Para madeposit sa kabayan savings account ko ung cheque.
    Please help ms. Nora.

    ReplyDelete
  88. Mine has only bancnet logo can i use it abroad? But I opened my kabayan saving account in the Philippines because my father whose also in abroad is sending money to my account but im in taiwan right now can i withdraw money here using my atm kabayan card?there are atm machine in every 7/11 store here can i withdraw money from it?

    ReplyDelete
  89. Mine has only bancnet logo can i use it abroad? But I opened my kabayan saving account in the Philippines because my father whose also in abroad is sending money to my account but im in taiwan right now can i withdraw money here using my atm kabayan card?there are atm machine in every 7/11 store here can i withdraw money from it?

    ReplyDelete
  90. Daming ngtatanong pkireply nan poh kmi thnx

    ReplyDelete
  91. Hi po may tatanong lang po ako pag nabigay ba yung account number sa customer mo at di pa sya nakakapag deposit may possibilities bang makapag withdraw sya without atm card? Pero alam nya po ang account number ko. Thank you sa makakasagot

    ReplyDelete
    Replies
    1. Withdraw using only account number: No, the customer will not be able to withdraw, kasi wala siyang atm card. Sa over the counter, hindi rin siya puedeng makawidro kasi hahanapan siya ng passbook kung passbook with atm ang account, at kung atm account only, papawidrohin siya sa machine, or hahanapan siya ng atm card and valid IDs and kelangang pareho ang signature na nasa files ng BDO.

      Delete
  92. hi mam nagpadala po kasi kapatid ko sa kabayan savings acc. ko and then nag check ako through atm machine balance inq.but the problem is di po nadagdagan pera ko i mean d po pumasok yung padala

    ReplyDelete
    Replies
    1. Hi Mellard : Wait lang ng up to 3 days, baka merong delay sa remittance process. I hope walang mali sa account name and number.

      Delete
  93. Gud pm Maam Nora, Tanong ko lang po, nandito ako sa qatar, pwede po ba ung ate ko na nasa pilipinas i deposit ung pera sa account number ko?

    ReplyDelete
    Replies
    1. Deposit Money in Another Person's Account: Ang account mo ba ay account sa any bank dito sa Philippines? Yes, puedeng kahit sino ay magdeposit sa account mo. Kabayan account ba ito? Yes, puedeng depositohan dito ng kahit sino.

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  94. Pwede po ba ma withdraw gmit ang passbook sa kabayan savings ng asawa ko ako po mag wiwidraw sa ibang bansa po sya

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    Replies
    1. Withdraw using passbook of spouse: Sorry hindi puede kasi hindi mo passbook. Puede lang makawidro kung napirmahan ng spouse mo yong withdrawal slip (authorized representative portion), ipe-present mo yong passboook at valid ID ng spouse mo.
      Iche-check ng bank if the signature on the withdrawal slip is the same as the signature on their files.
      Ang puede: Puede mong ipa-update yong passbook para makita mo yong balance.

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    2. ID mo rin pala ay required. I forgot.

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    3. Hello mam .. can i ask some question ? Pwede po ba akong mag widraw over the counter kht hndi ako may ari sa mother kopo un binigay na skn .. dhl ung atm card kinain po so i decide to widraw using a passbook ??

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  95. Hello ma'am. Nag open po kasi ako ng kabayan account ko last year june 22. Open pa din po ba account ko kung madedepositohan ulit sya? Thanks!

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  96. Hello po tanong ko lang, nag open po ako ng BDO Kabayan Savings dito sa Dubai. Pero wala po ung pin number ang binigay lang sakin e yung passbook at yung ATM card. Paano po kaya un? Madali ko lang ba mapa-activate yun pag uwi ko kahit wala ung pin number? Please Thank you po

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  97. hello po paano po magpadala sa beneficiary mo sa kbs account po?japan location po nalilito po kasi ako

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  98. Hi Ms. Nora,

    Medyo hesitant po akong gamitin ang online cash remittance pick up anywhere ng bdo, any advise po if it is safe, ( online transaction )

    Thanks

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    Replies
    1. Safe naman po gamitin ang online banking. I've been using it for 3 years now

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  99. Hi po ma'am can i deposit my own money in kabayan sàvings account? Para po mag-ipon? Is there any problem with that?

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  100. hello po.. my BDO kabayan po ako. kaso ma dedeactivate sya kapag hindi na depositan galing ibang bansa. Nakakareceive ako ng money through Paypal nga lang. Kapag po ba nilagyan ko ng pera yung Kabayan galing Paypal hindi na sya ma dedeactivate? counted po kaya yun? salamat po sa sasagot.

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  101. Hello meron po bang limit sa pagpapadala ng pera from US to Philippines using Kabayan Savings?

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