Are My BDO Kabayan Savings Passbook and ATM Card Different?

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.  Eh ano yong 16-digit number na nasa front side ng ATM card?
     Yan ang Card Number. Hindi yan account number. Ginagamit yan to link your ATM card to your account number. 
      You also use that 16-digit number for online payments, kapag ang ATM card mo ay merong Mastercard or Visa logo, merong expiry date at merong 3-digit code sa likod.
       Kung ganito ang ATM card mo, keep it secure, itago mo, kasi kung malaman ng iba ang card number mo, plus the expiry date, and 3-digit code, puede nilang gamitin to pay online. Marami rin kasing online payment processors na hindi na nagve-verify ng ownership ng debit card.

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3.  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.

4.   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.

5.  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.

6.  Is there a fee for updating?

      None

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

     No.

8.  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.

9. 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.

10.  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.

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

       Yes. It’s 100 pesos.
        Update: Wala na raw fee. Libre na, kasi BDO Kabayan account.

12.   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.

13.  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.
Update: Wala na raw fee. It’s free for BDO Kabayan.

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

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

15.  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.

16.  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.

17.  I’m not sure if my BDO Kabayan account is still active. Gusto ko sanang padalhan na yong account ko. My ATM card is not yet activated so hindi ako maka-inquire dito sa abroad. How can I know if my account is still active without calling BDO?
     
Ask a family member to go to BDO at subukang mag-deposit ng 200 pesos to your account. Mag-fill up ng BDO Deposit slip. Isulat ang account name, account number, amount to deposit and date.
Kapag tinanggap ng teller ang deposit at i-process niya ang deposit, ibig sabihin active pa ang account mo.  Subukan na rin tanungin ng family member mo ng “Kabayan po rin ba ang type of account?”. Some tellers will tell the account type.  Some will ask “Sa iyo ba ang account na ito?”

If you are not sure if your account is still Kabayan or it has been converted into a regular passbook account, maintain at least 10,000 pesos in your account, so it will not suffer a below-maintaining-balance penalty of 300 pesos every month.

360 Comments

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