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  1. tanung lang po student pa po aq,, bkt po mas mhrap mag open pag savings account na may passbook kaysa sa atm savings account lng po.. possible rin po ba na tumubo ung pera q sa account ko po without depositing money.?prang nabasa ko kc sa ibang site na may interest ung pera mu

  2. Question from Janel Logrono:
    I'm a student. Why is it more difficult to open a passbook account than an atm savings account. Is it possible that the money in my account grows without depositing money. I've read in another site that there's interest for my money.
    ANSWER:
    Passbook accounts have much higher maintaining balance requirements. Since you're a student, the teller will probably advise you to start with an atm savings account since the maintaining balance requirement is lower. For BDO, their passbook account requires a maintaining balance of 10,000 pesos. Their atm savings account requires only 2,000 pesos.
    Your money earns interest if you maintain at least the required monthly maintaining balance. Your get interest even if you don't deposit as long as your money in your account is equal to or more than the maintaining balance requirement.
    You should also make a deposit or withdrawal at least once every 2 years so your account does not get dormant.

  3. F ang deposit ko ay 10,000 at hindi q na withraw, magkano ang interest nito within 2 years?

  4. Gud pm po . Sa requirements po kasi ng pag totourist ko isa po dun yung bank account po . Sa Citibank ko po gustong magpagawa . Pero paanu po ba ang pagggawa ng bank account at magkano po kaya ang magagastos nun . Saan po bang bangko yun ? Sa Quezon po ako nakatira . need ko lang po … Thank you ..

  5. Gud am po… may tanong lng po aq.. about sa account q sa BPI na galing po xa sa company n pinasukan ko… hindi ko na po siya na lagyan na pera mga liman buwan na at alam ko mababa siya sa maintaining balance kas8 mawithdraw ko n po lalos lahat. Ngayon, kailangan ko na po siya ulit.. pano po kaya un… pano po kung may pumasok n pera, automatic na mababawasan siya a5 magkano kya?? PLEASEHelp

  6. Ano po kayang klasing account ang pwede para sa business transaction.. pwede ba yung BPI express savings yata un.. un kasi ung dati kung account n galing sa compny na pinasukan ko. Kaso 5 month ko na syang di ginagamit..

  7. Question from jafet gimenez
    Gud am po. about my account with BPI from the company where I worked. I haven't deposited to it for about 5 months. and I know it's below the maintaining balance because I withdrew almost all. Now, I need it again. What happens if I deposit to it, will it automatically be deducted with penalty? and how much? PLEASE help
    What type of account is good for business transaction. Is the BPI express savings good? That was my first account, which was from my previous company, but I haven't used it for 5 months.
    ANSWER:
    Hi jafet, usually payroll accounts of big companies are zero-maintaining-balance accounts, as the companies are the ones maintaining corporate account balances. I don't know if your payroll account is like that. I think that you open your own account. Go to a BPI or BPI Family and open a BPI Easy Saver (no maintaining balance requirement, but there's a 5-peso fee for every atm withdrawal and every balance inquiry). You can also open a BPI Family atm savings account — the maintaining balance requirement is only 1,000 pesos. You can use these for business transactions.

  8. Thank you po sa info. May tanong po ulit ako. Ano po kayang bank account ang mas maganda sa business transactions online, mas madaling mag-open ng own account bukod po sa PBI??

    About po sa payroll acount ko galing company, sinabi po sa amin noong kumuwa kami ng backpay, magigi na namin sariling account yun. Kailangan lng nga dw po may maintaining balance na. Pero yun nga po di ko siya nagamit. Baka po sakaling hindi na ako mag-open ng new account at yun na lng… thanks po

  9. anong ko lng po magkano po ang pinakakamababa na pwedeng ideposit pag bagong open po ng ATM savings account?

  10. About lowest deposit amount October 9, 2015
    Question: How much is the lowest amount that I can deposit to a newly account? Of if I open a new account?
    ANSWER:
    For account opening, it depends on the bank and the account type or product. If this is BDO atm savings account, the lowest is 2,000 pesos. For BPI Family Bank atm account, it's 1,000 pesos. For BPI Easy Savings, it's 200 pesos plus 50 or 100 for the atm card. There are bank accounts that require only 500 pesos.
    If you're depositing to an active account, you can deposit any amount, from 100 pesos and upwards.

  11. tanong lang po. kapag po ba may utang sa mga credit cards like BDO OR metro bank mahihirapan po ba ako makapag open ng account sa ibang bangko. salamat po.

  12. About opening a bank account when one has delinquent credit cards November 5, 2015
    If I have debts owed to credit cards issued by banks like BDO or Metrobank, can I open an account in other banks? Thanks a lot
    ANSWER:
    Previously, credit card delinquency does not affect opening bank accounts in other banks. It's only now I'm hearing issues like this. You can try to apply for an account in other banks. Some might deny your application, but some might accept. Try opening in thrift banks that are not members of the Credit Card Association of the Philippines.

  13. Hi, I hope you'll be able to read this.
    Uhm, Gusto ko po sanang mang open ng ATM savings account sa BDO kasi sa Manila ako ngayon nakatira (student) and my parents are in Paranaque. My problem is tuwing nauubos na yung pera ko na bigay nina daddy kailangan ko pang umuwi sa bahay namin. Hassle minsan kasi traffic at mahaba ang byahe. Kaya I'm planning to open an ATM savings account. Alam ko na po kung paano mag-open kasi malaki na yung naitulong ng blog na 'to. Thank you po. Pero yung gusto ko po sanang itanong ay kung paano po magdedeposit sina daddy ng pera sa ATM ko? Do they have to go to the bank? Saka pano po yung process ng pagdedeposit nila?

  14. Hello Student in Manila, resident of Paranaque:
    Mas okay para sa parents mo kung ang bank mo ay merong branch na malapit sa bahay ninyo sa Paranaque. Meron bang BDO branch malapit sa inyong house? Kung meron, punta lang sina daddy mo sa bank, mag-fill-up ng deposit slip (your name, account no., date, yong perang idedeposit, halimbawa 500 | 3 | 1,500 or 100 | 12 | 1,200 at total amount. Tapos ibigay sa teller, at kunin nila yong kopya nila ng deposit slip. After deposit, puede mo nang iwidro diyan sa Manila. Walang bayad ang deposit kasi within Metro Manila pareho kung saan nag-open ng account (Manila) at nagdeposit (Paranaque).
    Merong maintenance requirement ang BDO atm savings account — 2,000 pesos. Dapat i-maintain mo ito, at huwag mong widrohin.
    If you like, puede yong BDO cash card, wala itong maintenance requirement, pero yong generic type nito ay up to 10,000 lang ang puedeng kargahin nito at a time. At merong fee pag magdeposit, 15 pesos pa rin yata. Meron ding fee for atm withdrawal, 2 pesos pa rin yata. Puedeng free ang deposit sa cash card kapag gagamit ng BDO cash accept machine to deposit. Merong cash accept machines sa BDO branches sa:
    Airport Road
    Better Living
    Moonwalk
    SM City BF Homes Paranaque
    SM City Bicutan
    SM City Sucat A
    SM City Sucat B
    Kaya lang i-enter ng daddy mo yong 16 digits ng cash card mo sa machine, kelangang i-practice mo sila muna.
    Sige, tanong ka lang kung meron pa

  15. Hi gusto ko mag karoon ng bank account tanong ko lang po kung ano po kayang bank account ang mas maganda sa business transactions online, mas madaling mag-open ng own account bukod po sa BPI? Thank you.

  16. Hi I want to have a bank account. Which bank account is best for business transactions online, easier to open aside from BPI? Thank you.
    ANSWER:
    If you transact business online, you need a savings deposit account linked to Visa or Mastercard, like Union Bank Eon Visa, BDO Mastercard atm savings. EastWest Basic Visa atm savings. EON is an Internet-based account and does not require a maintaining balance but it charges an annual fee of 350 pesos and 10 pesos for every atm withdrawal. Here's info about Union Bank EON Visa. You need to take care of Eon as you can transfer online to any account without pre-enrollment. BDO atm account requires a maintaining balance of 2k. Eastwest requires 1k. BDO charges interbranch interregional deposit fee. EastWest and Union Bank do not.

  17. Hi! Pwede bang postal id na lang para sa proof of address?

  18. hi..kasi nakapag deposit na ako sa isang bangko tapos sabi follow ko lang dw yong tin number ko.kasi requirements nila tin number.pero nakapasa na ako ng postal id at baranggy clearance.paano kung hindi ko mapasa yong tin number.ano mangyari sa account ko.salamat

  19. Gud pm po, ask ko lang po nagtrabaho kasi ako sa sm store ngayon po endo na ako at yong atm ko po sila po ang nagpagawa yun po ay payroll bdo cash card, ngayon po ang tanong ko pwede ko po bang gamitin yong atm nayun sa bago kong papasukan?

  20. Use of BDO payroll cash card: Sorry, hindi ko sure kung nag-iba na ang policy ng BDO about their payroll cash cash. Dati kasi, kapag payroll cash card, hindi puedeng depositohan over the counter. Dapat sa online transfer lang. So kung online transfer ang gagawin ng new employer mo through their agreement with BDO, okay yan. Meron na ring BDO Cash Accept machines ngayon na puedeng gamitin for deposit. Tanungin mo na lang later yong new employer mo.

  21. Gudevening po. nag open po ako ng savings account ngayon with 3k maintening balance. medyo pagod na ata yung teller na nakausap ko kaya di nya naipaliwag lahat… Ask ko lang po pag may 3k maintening balance, tama po ba yung 0.25% interest papasok sa account ko pag may 5k akong savings,kailan naman yung papasok yung interest every month po ba?

    1. Interest for savings account: Ang habol mo na lang sa savings account mo is maka-save ka. Huwag mo nang intindihin masyado yong interest, kasi napakaliit. Yang 0.25% na yan ay annual interest rate, so ang monthly interest rate is 0.25/12 or 0.021%. Ang gawin mo na lang is save ng save, dagdag ng dagdag. Never mong kunin yong 3k pesos na maintaining balance para hindi ka na mahirapang mag-compute kung nag-comply ka ba sa maintaining balance requirement. Then kapag umabot na sa 50k pesos ang savings mo, puede mo nang i-time deposit para mas malaki ang interest rate.
      Ang pag-credit nila ng interest is quarterly.

  22. Tanong ko lang driver license at tin I.d lng meron asawa ko kaso po wala po kming billing pwede po ba young sa license na LNG gmitin para sa proff of address at magkano po and start deposits sa BPI

    1. Driver's license to open a BPI account: Yes, your husband can present his driver's license and his TIN ID to open an account. Magdala rin ng 1×1 ID picture. Kung tanungin nila, i-explain nio na lang kung bakit wala kayong Meralco or Maynilad. At meron namang address nga sa driver's license.
      Sa BPI Family, ang opening at maintaining balance ng atm savings account ay 1,000 pesos. Kapag Bank of Philippine Islands, 3,000 pesos, kaya mas okay kung sa BPI Family.
      Ang BPI Family ay subsidiary ng Bank of Philippine Islands. Kelangang merong laging 1,000 pesos sa account para ma-maintain ang account at para walang penalty.

  23. Hello po gusto ko po sana mag open ng account pero postal id lang po meron ako. Yung student id ko kasi expired na saka name ko payun yung dalaga ako.

  24. Hello po gusto ko po sana mag open ng account pero postal id lang po meron ako. Yung student id ko kasi expired na saka name ko payun yung dalaga ako.

  25. Hello po pano po ba kung babawasan ko ung maintaining bal.ko sa bdo na 2000 .tapos ang ibabawas ko po is 1k po pero ibabalik ko naman po ng 26..kasi 13 ngayon if iwidraw ko ung 1k.tapos ibabalik ko sa 26..magkaka penalty po ba ako ng 600..plsss help po salamat๐Ÿ˜Š

  26. Pllsss po reply naman po kayo maraming salamat po๐Ÿ˜Š๐Ÿ˜Š

  27. Pllsss po reply naman po kayo maraming salamat po๐Ÿ˜Š๐Ÿ˜Š

  28. Hello po pano po ba kung babawasan ko ung maintaining bal.ko sa bdo na 2000 .tapos ang ibabawas ko po is 1k po pero ibabalik ko naman po ng 26..kasi 13 ngayon if iwidraw ko ung 1k.tapos ibabalik ko sa 26..magkaka penalty po ba ako ng 600..plsss help po salamat๐Ÿ˜Š

  29. Hi poh tnung klng poh kpg naibgay k s iba tao account number k posible b mkuha nla laman ng atm card koh

  30. Good morning po, tanong ko lang po if you maintained the monthly requirment balace magkano po ang interest?

    EX. 2,000 pesos, magkano po madadagdag sa pera ko? salamat po.

  31. hi gud evening po
    gux2 koh po kc magkaroon ng aTm.
    i want to save money through aTm at bDo..peo nd koh po alam kng ppanu??
    at magkanu po ba dpat??
    mai minimum po ba magsave at first timer na gaya koh?? pwde na po ba brgy.iD lng gamitin?? wla po kc aku ibang iD ee

  32. hi po gud pm
    pwde na po ba kng brgy. id lng gamitin sa 2valid id na required ung students id koh po kc sa probinsya pa nka address then nsa cavite po aku ngyon e
    gux2 koh po mgsave ng pera at magkaron na dn ng atm kaso nd po aku mrunong kng anu ggwin koh??
    at mgkanu ba dpat ang starting to save??

  33. D na po ako students maari ko po ba magamit Yung school ID ko po pag mag process nang ATM? Meron Naman po ako birth certificate…

    1. Hi Jamela: Kung new graduate ka pa lang, puede pang gamitin ang school ID, pero kung matagal ka nang wala sa school, hindi na, kasi expired na ang ID mo. Punta ka sa bank na gusto mo, at tanungin mo kung puede sa kanila yong digitized Postal ID, at kung puede, mag-apply ka sa post office nio ng postal ID. They need your birth cert and barangay certificate and maybe around 500 pesos for processing.

    2. If married pala, bring your marriage certificate. Puede yong mga galing sa local registrar.

  34. Hello po. Pwede mo mag ask ng questions?

  35. Nagpa open acc po kase ako sa Landbank dahil dun po idedeposit yung pera namin na mga scholar. Tag iisang atm po lahat ng students na nakavail ng scholar ang problema po isang branch lang daw dapat pero sa dami ng students and pila na mahaba nagpunta po kami ng ibang branch pero Landbank pa rin po yung pinagpaopen namin ng acc? Pwede po ba yun? Kase ang sabi daw po may code daw po every branch. Kaya nagaalanganin kami baka di tanggapin yung card namin.

  36. Good day. Pwede ko po bang kuhanan nang Remittance Savings Account iyong 6 years old ko na anak. Ano po ang mga requirements? Salamat po.

  37. Hi po.ano po ung tawag sa klasi ng atm na nkuha ng nanay ko…? Di kasi ako direct makahulog sa account nya.kailangan send ko muna pera sa kanya at sya daw mismo magpapasok nito sa banko nya.di daw kasi ako pwdng magdirect na hubulog sa banko nya.kumuha sya ng atm with passbook.

  38. Hello po, may ATM savings account po ako, trinay kong magwithdraw ng 100 pesos then in 2 months 600 na ang nabawas.. Bakit po ganun?

  39. Hello po, may ATM savings account po ako, trinay kong magwithdraw ng 100 pesos then in 2 months 600 na ang nabawas.. Bakit po ganun?

  40. Hi gusto ko lang po mag share ng experience ko sa inattendan ko na seminar libre po sya at talagang maraming matutunan tungkol sa Forex trading dito sa pilipinas. Kahit sa maliit na investment lang po ay malaki na ang maari nyong kitain dahil matututo po kayo kung paano din maging successful sa larangan ng forex trading dito sa ating bansa.

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