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  1. Hi Im currently employed as OFW here in Malaysia,is there any ways to apply or register through online? I mean opening an account in your company,is it possible to open online? Thank you

    • Hi Jeffrey, Philippine banking law requires personal appearance before bank officers in order to open a new account, so you can’t apply for the BDO Kabayan Savings online.

    • Hello po Isa po akong OFW dito sa Saudi Arabia niisipan ko po Kase mag ipon at ihulog ang pera sa pinas pero hindi sya gagawin OK lng po ba na mag Open ang Mother ko ng kabayan savings Account tapos doon ko ihuhulog ang pera yung sahod ko ang tanong ko Lang po di po ba mawawala o ma close account un Kung di bubuksan ng dalawang Taon o isang Taon at paano po ba yung pera nun mag babawas ba o magkakaron ng interes?

      Maraming Salamat

      • Hi John, puede naman mag open ng account nanay mo pero sa opinion namin mas maigi sana if under sa name mo ang account, tapos passbook ang kunin mo para may record ka ng transactions.

        Hindi naman mawawala ang account or ma-close account basta sa loob ng dalawang taon may deposit ka or withdrawal transaction kahit isang beses. Pag ma dormant ang account (meaning walang deposit, walang withdrawal in 2 years) dyan mag deduct ang banko ng dormancy fee. Also, make sure na ang deposit mo hindi bababa sa maintaining balance sa loob ng isang buwan, kasi if bababa sa maintaining balance may fee na ipapataw ang bangko.

  2. Hi!i am an ofw in saudi arabia.i have my personal savings account with passbook but unfortunately is closed since i withdrawn it all.it has 10k maintaining balance and after two months i supposed to deposit on my account but it’s no longer active.so,i feel regret because that is the only account i have.now i wanted to apply for kabayan savings account but how?can any of my relatives can get for me.i mean under my name,would that be possible?

    • Hi Roque, based on what we know, the person who wants to open a personal individual bank account must show up personally and appear before the authorized banking personnel in order to open an account. This is to confirm and validate your identity as well as your signature.

      We don’t know if there are exception to the rule, we suggest you contact BDO directlyy to know for sure.

  3. Hello Maam/Sir?
    Good day!Ask Lang po if active pa po ba yong account ko sa BDO Kabayan saving.I currently move here in UNITED STATES po.Ini enrol ko po kasi sa online sa bdo hnde po ako makapasok.Thank you so much and God bless.

    • Hi Francine tawag ka po sa BDO international toll free hotline number nila which is IAC-800-8-631-8000 to inquire direct from the bank.
      If sa US ka, IAC for At&T, MCI, and Sprint is the same “011″

  4. Hello and good evening po..
    Ask KO lang po kung pwede mag open sa bdo kabayan savings account ung beneficiary KO kesa mag remits ako monthly sa mga LBC,CEBUANA etc…anu po requirements?..thanks..

    • Hi Destiny, yes your beneficiary can open a BDO Kabayan Savings Account under their own name. Requirements are already indicated in the post above. BUT make sure you will remit AT LEAST ONCE every year to the account so you and your family will continue to enjoy the Kabayan Savings benefit of zero maintaining balance.

    • Hi Nan, a close ATM account can’t be activated again. But if your account is still active, you can file for a replacement of your atm card.

      • HI, I JUST WANT TO ASK IF BDO HAS AN AFFILIATE BANK HRE IN COLOMBIA BECAUSE I WANT TO OPEN AN ACCOUNT FOR KABAYAN SAVING. THANK U

        • Hi Jesica, none that we are aware of but we suggest you contact BDO toll free hotline directly so you can talk to an official representative from their bank.

  6. Good morning! Ask ko lang hindi ba maging problema kong ang amo ko mismo babae “Hussah mansour a alrasheed ” ang mag send ng pera sa kabayan passbook atm savings account ko . from alrajhi tahweel riyahd Saudi Arabia.

  7. Good morning! Tanong ko lng po, bakit hindi ina update ang halaga ng pera sa passbook ko na pina pa send ko ky madam Sa kabayan savings account ko. Pinadala ko nmn ky madam passbook ko pag nag send sya doon alrajhi al tahweel. Nag alala ako Kasi expensive yon pina pa send ko every 2months. Please reply po.

    • Hi Yhayam, ma-uupdate yang passbook mo pag si madam mo sa BDO mismo nag deposit at ibinigay nya yung passbook mo pagkatapos mag desposit. Meron ka bang online banking access sa bdo kabayan account mo? if meron, machecheck mo dun lahat ng galaw ng account mo pati deposit at withdrawal. If wala kang online access, you can call the BDO TOLL FREE number, walang bayad yan kasi toll free, eto yung number: (IAC) + 800 – 8 – 6318000 tanungin mo sila sa iyung balance if tugma sa dapat balance mo.

      • sir ask lang po ako.nag open po ako ng bdo savings acc d2 sa taiwan.active nmn na po yung passbook ko kaya lng yung atm hindi pa.kaya pinadala ko po yung atm sa pinas at pina change ko ng pass.after ma change po ng pass nag check po cya ng balance.ang message SELECTED ACC DOES NOT EXIST.
        ano po ibig sabihin nun? and ask ko n rin po kung automatic nba nka link yung atm ko sa passbook? thank you po

        • Hi Jarmine, we strongly suggest you call BDO just to make sure na okay pa din account mo or okay yung linking ng ATM card to your savings account na naka-passbook. BDO international toll free number is IAC +800-8-688-1488

  8. Hi good day! I’m on vacation leave right now then plan to go back abroad this dec.30 I would like to apply for that Kabayan saving account which my friend recommend it from me.so ganina Lang jud gikan ko og bdo branch sa mandaue which is in a.c Cortes branch then I have all the requirements needed which my friend told me to bring and I check online as well pero pag adto nako wala niya gidawat Kay they ask for contract proof nga mubalik ko which is wala ko Ana I mean toa sa Kuwait sa among agency didto what I have is ticket going back and passport.so now how can I apply if I cannot show my contract? They don’t give me other option and I’m wondering why my friend got her Kabayan saving account without asking her contract like what they ask from me.

    • Hi Chona, some bank staff are strict or it could be they are implementing a new rule regarding Kabayan Savings account. Based on what is on BDO OFFICIAL WEBSITE, these are the listed requirements for this special type of account:
      BDO Kabayan Savings Account requirements

      Do you have the OEC or OEC Exemption certificate? Maybe you can use that in lieu of the proof of employment contract.

  9. Hello po…..gusto ko po sana mag open account ng kabayan …kaya lang pano po …wala po bang online for opening account…thanks

    • Hi Analyn, as far as we know po wala pong online opening of BDO kayaban savings account. In person po dapat ang pag open ng bank account.

  10. Hi.. I am currently working in KSA. I have an Kabayan Savings Account since September 2015. At present I am planning to use this account to save for the future. Question: Are there any other ways that I can monitor the account aside from online banking( I failed to enroll since I can’t answer the questions precisely-they gave me another option and which is to provide valid ID’s enrollment form and passbook copy, I have them all but I think they are not accepting scanned copy )

    Thanks in advance

    • You can do online banking or phone banking. BDO has a toll free number you can call them to inquire on how to go about phone banking.

  11. Hi,, if meron na po acct ng kabayan savings acct in peso pwdi pa po ba mka open ng kabayan dollar account?tia

    • Hi Cheryl, we don’t see any reason bakit hindi ka payagan ng banko. We recommend though to open the Kabayan Dollar savings account sa same branch din para may history ka na na good account holder.

    • Sa pagkakaalam po namin hindi puede, kasi need ng proof na current ofw. pero we still suggest po to try inquiring straight from BDO baka may exemption po at puede kayo pagbigyan na maka-open account.

  13. hi goodnoon c racquel ito dito ko now KSA bgo ako umalis ngpa open account ako sa BDO ofw piso savings account,dala ko atm ko dito sa saudi,pero yung passbook ko iniwan ko sa husband ko,kong mghulog ang madam ko update ng husband ko sa BDO…now my question is safe kaya pera ko sa bangko mam/sir?? marami kc ngsabi sakin na pg uwe nila pinas wala na laman atm nila my recibo naman dw binigay amo nila bkit pgdating pinas walang laman??? pls answer po pls thanks and godbless to all

    • Hi Racquel, you are banking with BDO, safe ang pera mo sa bank nila. Now, ang sabi mo ang madam mo mismo ang maghuhulog sa account mo. eto suggestion namin, pagka sabi ng madam mo na naghulod sya, papuntahin mo agad husband mo sa BDO para ma update ang passbook at makita if naghulog ba talaga.
      Also we recommend na you will enroll your BDO account sa ONLINE para ikaw mismo makaka-monitor sa account status mo, if mag kano ang laman, magkano ang pumasok, ang nadeduct etc.

      Dun sa mga kwento sayo, remember na ang resibo puedeng ma-peke. the best way to monitor your bank account is to update the passbook regularly and/or enroll in bdo online para kahit anong oras puede mo icheck basta may internet connection ka.

  14. Hello po ofw po ako sa south Korea at may kabayan savings account po ako…kaso 1 or 2 years ko n po Hindi nahuhulugan…Close n po b yun…Thank you

    • May access ka sa online banking ng BDO? If meron, access mo yun, malalaman mo status ng account. or visit a BDO branch pag magbakasyon ka sa Pilipinas.

  15. Mag 7 months na po ako dito..tapos yung dala ko is atm iniwan ko sa pamilya ko passbook.paano po pg may gosto pdla s akin ng pera galing pinas makukuha ko ba sa atm ko?here po ako sa saudi

    • iCheck mo yung ATM card mo, sa harap ba merong Mastercard Logo or Visa logo? If meron puede ka mag withdraw dyan sa ATM gamit card mo, puede ka din magbayad sa online shopping gamit card mo.

      Chineck namin ang website ng BDO, it says the Kabayan Savings account comes with passbook AND ATM debit card, so, yes puede.

  16. Hello po.ngapply po ako ulit ng online banking kasi ung first ko na apply for online banking did not activated and i never use it before. Ngayon ngapply ulit ako to monitor my savings but unfortunately it reject because they said i have existing user id.which i never used.that why i send email to them to cancel the old username and accept my new application for onlone banking.until now there is no response coming from the bdo.

    • You may try to call BDO hotline to talk with a csr if they can change your username/email via phone. If not, baka need na to physically visit your branch of account po so you can sign the necessary forms.

  17. Gud day po.. Am gusto ko po sana mag open acct. Posible po baa un andto po ako sa saudi arabia

    • Hi Jaymar, sa pagkakaalam namin opening of BDO kabayan account must be done sa loob mismo ng branch ng BDO for submission of requirements and verification of details.

  18. Good day
    Possible po ba na makapagopen po ako ng kabayan savings account kahit hindi ako ofw?thanks

    • Based po sa rules now, hindi po kasi the bank will ask for proof na bonafide OFW ang mag-oopen like contract, OEC, etc. or her/his direct dependent like wife/children.

  19. Hi po.ofw po aq from kuwait kababalik q lng po dito nitong may.2 years ponakong nagdideposit sa kabayan savings account q. so noong ngbkasyon aq nang pinas moong april nwaithdarw q po lahat nang savings q po.tanong q lang po kasi pinacheck q sa mother ko at nagpadeposit po ako ng 1thoisand para hindi po ma xlose ang sabi po ng bdo teller eh dapat po daw 10thoisand po dapat ag dapat kung ideposit or else magco-close daw po yung aking account,totoo pa ba ito kasi kabayan savings po ang account q.maraming salamat po.

    • Hi Jaiho, if sure kang Kabayan Savings yung account mo (nandun mismo sa harap ng passbook ang word na “kabayan savings”), walang maintaining balance yan. PERO if di ka na babalik sa abroad, at sa loob ng isang taon walang international remittance, ma automatic convert yang account mo to regular passbook account or atm account, at kada buwan na nag fall below maintaining ay may service charge hanggang makain lahat ng laman (pag di mo na dedepositan ulit).

  20. Good day sir/ma’am. I am currently working in Kuwait. I have bdo Kabayan savings account. But I did not do any remittance since I open it. As in the rules of the bdo Kabayan savings account, my account is automatically converted into regular arm/passbook account, my question is if I will do online and activate my account, do I need to pay the monthly charges since I did not met the maintaining balance required? From what month do I need to start paying the said charges if it is so. Thang you so much and more power.

    • Hi Donna, only BDO will be able to answer your query with 100% accuracy.
      We think na once ma convert na yung account mo to reqular BDO account, di na sya puede maibalik as BDO kabayan unless you will go to your BDO branch and show your proof of employment abroad. We could be wrong in our assumption, so we strongly suggest that you call their international hotline to talk with a csr.

  21. Sir/madam , good day po. Tanong ko lang . Hindi po ba mawawala ung pera ko. Sa banko . I mean every month po Hinuhulogan ko Ang bdo kabayan ko po. Ngaun matagal na po ako dinakakauwi mg 6 years na po. Tanong ko po. Hindi po kaya mawala ung pera ko. Sabi kc noong kaibigan ko dini. Pg di daw po ginagalaw ung pera sa bangko eh mawawala xa. Pasagot po sir/madam. Salamat

    • Hi Malyn, kung regularly mo hinuhulugan account mo, hindi magiging dormant ang account mo, therefore walang dormancy fee na ipapataw sa account mo. Pero if na dormant na, meaning 2 years na walang deposit at walang withdrawal, every month magkakaltas ang BDO ng P30.00 hanggang maubos ang balanse mo.

      Tapos pag bumaba ang balanse sa maintaining balance, another kaltas eto P300 ang below maintaining fee, hanggang maubos pera mo.

      May online banking ka ba sa BDO? If meron, madali mo lang ma-monitor ang account mo sa banko nila.

      • Hi ako po OFW, ask ko lang po.. Halimbwa masunog yung BDO, may maibabalik ba sa amin ang kumpletong perang hinulog namin?Maraming salamat po. God Bless

        • Hi Brando, kung ang branch of account mo ang masunog, walang problema yun kasi may records ka sa database ng BDO. Kung lahat ng BDO branches masunog or mag deklara sila ng bankruptcy, ang makukuha mo na sure is P500K (if lagpas sa 500K ang deposits mo), yung covered ng PDIC or Philippine Deposit Insurance Corporation.

  22. May tanong po ako pag ba mag open ako ng BDO kabayan savings account pede ba ako mag transfer ng cash sa bdo account ng supplier ko kahit hindi ko sya ilagay sa beneficiary ko? at pede din ba mag hulog sa Kabayab account ko ang mga customers ko ng payment nila sa product na bibilhin nila?
    At pede ba ma access ang mga transactions ko tulad ng deposit payment at fund trasfer sa pinas kahit di ko pa na aactivate ang card sa TELLER MACHINE sa pilipinas?

    I hope your fruitful answers regarding my questions..
    Thank you

  23. Hi,
    Currently I am here in Singapore and planning to go for vacation this Dec. 22, 2017 Until Jan. 02,2018. I am planning to open a Kabayan Savings Account on Dec. 22, 2017. I just want to ask the following;
    1.) How many days I can get my the ATM and Passbook because the next tie I will go for vacation is Dec. 2018 again.
    2.) Am I allowed to open a kabayan Savings Account and Peso Savings Account same day?
    3.) If I cannot get the ATM, can I give an Authorization Letter to let my Mother to collect from the Branch?

  25. Hi this is remille calendacion nawala ko ung atm ko dito sa ibang bansa posible bang makakuha ako ng bagong card.

    • Sa alam po namin hindi kasi need mo mag submit ng notarized affidavit of loss to get a new one. Tawag ka sa hotline ng BDO para mapa-block yung card na nawala mo.

  26. Gudpm po..
    Yung husband ko po ngopen ng kabayan account ngayon po nsa korea na xa eh ndi nmn po niya ngagamit dun so balak po niyang ipdala ung atm sken if ever po ba mgagalit ko sya dto pra irecieve ung pdala niya??thanks in advance

    • Hi Mary Ruth, magagamit mo yung atm ng husband po pag bibigyan ka ng PIN. magiging issue lang pag nawala mo ang ATM o nakalimutan ang PIN kasi sya mismo ang mag-aayos sa bangko kasi nakapangalan sa kanya yung Kabayan Savings account.

    • Hi Beverly, kailangan mong dumalaw sa BDO branch kung saan ka nag-open and dalhin iyong atm. Kukunin ng branch yung atm card mo at papalitan ng bago yung may EMV Chip na.

  28. Napakaprimitive naman ng branch kapag wala silang camera at kylangan pa talagang magsubmit ng 1×1 photo. Manila branches are equipped with such para khit valid ID lng at 100pesos meron ka eh, you can even open multiple kabayan accounts. I just hope mag upgrade na provincial branches kung wala pa silang camera. Napakahirap kaya mgpunta ng Photoshop para lang magpapicture ng 1×1.

  29. helo pwede po kaya palitan yung bdo atm debit card ko ng kabayan savings account?nsa saudi po ang asawa ko..thanks po sa sasagot…

    • Hi Crisina, Di po puede basta-basta palit ng card type. Need niyo po mag open ng new account na Kabayan savings if yun ang gusto niyo na atm card.Visit BDO for further details.

  30. Hi, I went to bdo pueblo verde lapu lapu city branch earlier this morning to open a kabayan savings account. I got all the requirements needed however, when I got there the lady asked me for proof of contract of my sister abroad since she’ll be the one who’s going to send me money reason why I want to open an account. I’m a student by the way. So I’m just wondering why would they ask for proof of contract when my friends have successfully opened an account without providing proof of contract of their loved ones abroad?

    • Hi Jonalaine, there are some bank staff who follows rules to the t, some who are more lenient. If the branch is near, you can request your ate to send you an eCopy of her contract or her OEC (Overseas Employment Certificate); the branch may ask you to print this. Hope they’ll let you open an account asap.

  31. hello po,
    nag open account po ako ng passbook savings sa bdo.
    every month po ba , kaylangan mag deposit ng 10,000?

    • Hindi po. Kahit anong amount puede deposit. Puede din hindi every month mag deposit. But make sure na ang balance ng account mo ay laging above 10k para hindi ka ma-charge ng ‘falling below maintaining balance.’

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