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janjan January 3, 2014 at 21:06

hi tanung me lang po pwde po ba kaming mag open ng joint account kahit na pareho kami nasa ibang bansa?maraming salamat po.


Bart January 3, 2014 at 15:01

Hi Gil mg bblik byan ako at gusto kong mg open Ng acc under my name but I want my daughter to have an access to my acc,ksi I’m planning to start a project at sya ang mag intindi…what kind of acc u recommended and can I give my daughter a power to get the money in my acc under my name? Thanks!


Maricel Castillo November 22, 2013 at 03:57


Ask ko lng po if pde b kmi mg open ng joint account ng husband ko khit ns ibang bansa po sya? At ano po mga requirements at minimum amount of deposit?

Salamat po!


AMELIA CEPILLO November 7, 2013 at 12:18

ano po requirements para makaoopen ang mga anak ko age 5 and 8


Eduardo M. Sartin August 4, 2013 at 07:46

Good Day Sir, it is possible if your account is peso and they deposit a dollar it is possible or not, Thanks


Gily Tenorio August 25, 2013 at 11:43


Yes it is possible, the bank will just convert the dollar to Peso. It is the same way as like remittance.


marylou July 23, 2013 at 07:46

hello po,ask lang po kung pwedeng mag open ng atm sa bdo kahit di nagwowork sa company?freelancer po kase ako at gusto ko pong magkaroon ng atm…thanks po!


Gily Tenorio July 27, 2013 at 10:48

Hi, of course you can open an account but you have to submit at least two valid ID and a billing statement showing your residence.


joyz July 22, 2013 at 16:34

mam how to trace kung may pumasok na pera sa accnt mu..kc naghulog ako ng pera sa bank accnt.ng fren ko sabi nya wala pa daw pumapasok gang ngaun e almost 1week na.tama nmn ung bdo account number..ano po posibleng problema at delayed ung padala?


Gily Tenorio July 27, 2013 at 10:50

The owner of the bank account ca only know if the money is added to his/her account. Sometimes the possible problem why there’s a delay is the account may not be active anymore or there’s an error in the account number or name of the recipient of remittance.


linda macazo July 8, 2013 at 06:51

ask klang po asan lugar k i update ang account balance k s savings k s dubai.anong atm machine k pwd update balance.at pwd kb mgutos s kptd k kmuha ng record update ng mga remit k s savings k.dahil hnd k po iniwan ang passbook k baka may gumaya ng pirma k at cla ng gmawa ng withdraw ng pera ano po dapat kng gawin ng malaman k ang mga pnpdla kng pera ay nkapasok s account k dala k po ang atm k sb international daw ang atm k.slamat po at wait k po reply nyo


Gily Tenorio July 18, 2013 at 11:28

Hi Linda,

It is better to apply for internet banking so you can check your account status via the Internet. I’m not sure if BDO has those feature because in BPI you can apply for Internet banking even you’re out of the Philippines.


Jen June 29, 2013 at 11:34

What is the maintaining balance of joint account?


Gily Tenorio July 2, 2013 at 01:43
rach June 29, 2013 at 01:12

Hi, Good Day! Ask ko lang po kung ano po ba ang pwedeng account type ang kunin ng isang college student? thanks.


Gily Tenorio July 2, 2013 at 01:44

Rach, you can open an ATM account without passbook.


sheila villegas May 31, 2013 at 09:05

hello po puede magtanong, kng mag open ako ng junior saver’s club, ano po ang requirements at puede ba ito ma withdraw kung kailangan ng pera?may maintaining balance po ba ang junior saver’s club?

thank you


mark anthony tenorio May 21, 2013 at 09:35

hi, i was trying to download your ebook because im also interested to earn money online. :)

can you email me the ebook please?


Gily Tenorio May 21, 2013 at 12:49

Hi, just sent an email with a link where to download the ebook.


marife stief May 9, 2013 at 17:33

Pwede ba ideposit ng sister ko yung check nkaname smin by hubby k? BDO check refund from our units. If na meron cia accts s bdo?
Or any suggestion might help. THANK YOU!



jocelyn May 3, 2013 at 22:43

tanung ko lang anu b yung ibig sabihin ng kabayan peso saving acct kc gusto k mag pa open ng acct sa pamangkin k para khit papano makaipon ako.


Gily Tenorio May 6, 2013 at 10:56

Hi Jocelyn,

BDO Kabayan savings account is intended primarily to OFW and their beneficiaries. If you will not use it for remittance, it will be converted automatically to a regular savings account.


marj josephine April 26, 2013 at 23:22

ask ko lng po kung ano po ba ung juniors savers club???


Gily Tenorio April 27, 2013 at 00:04


BDO Junior savers club is a savings account for your children above 12 years and younger.


rosangela April 22, 2013 at 08:19

hello po .. i want to ask if :

1. since im a student plang and i want to open a peso savings account payroll, valid po ba ang student IDs as one of the requirements?

2. within how many months dapat ko po ba maabut yung maintaining balance? i mean yung deadline…


Gily Tenorio April 23, 2013 at 10:12


As far as I know, you can use your valid school ID. There is no deadline for maintaining balance as long as you reach the minimum amount for maintaining balance, your account will not be charged.


marj josephine April 11, 2013 at 22:16

ask ko lng po kung ung juniors savers club pag open account ka my passbook at atm po ba??


Gily Tenorio April 13, 2013 at 00:39


You may request to have Junior savers club with passbook and ATM.


Rix March 12, 2013 at 08:04

Hi po, I just want to ask kung meron po bang withdrawal limit sa junior savings account? kasi po yong padala po monthly ng hubby ko don po ididiretso, so for example nagpadala sya ng 25,000 pesos pwede ko ba ma-withdraw yong 20,000 pesos in just one transaction? thanks po.. =)


Gil March 16, 2013 at 01:29

Hi Rix,

I know the maximum withdrawal amount in BPI per day is P20,000. http://learnfinancialeducation.com/bpi-atm-withdrawal-limit-and-fees/


Ronald Cecille. WElborn. SAles March 10, 2013 at 13:56

I’m currently out of the country and working here in one of the US NAVAL BASES in Diego Garcia. I already have my remittance account with B.D.O. at Pasig Branch which is under my name and my MOm’s name. My question is I want to open a savings account for myself while working here at Diego Garcia. Can someone else open an account for me…since I am not in the country right now..??? The account I want to open is an PESO account.


Gil March 16, 2013 at 01:27

Hi Ronald,

Unfortunately, you can’t open an account in your name if you’re not physically present in the Philippines. However, if there’s a branch there in your area, you can. Telling other people to open an account using your name is not possible.


Charm February 20, 2013 at 08:57

Hi, ask ko lang po kung pwede ako mag open ng Peso Savings Account Payroll kahit nde ako nag wowork sa isang comPany.? Freelancer po kasi ako and need ko ng bank account na verify sa Paypal.


Gil February 25, 2013 at 12:40

Hi Charm,

You may use Unionbank EON card to verify your PayPal account.


erma February 15, 2013 at 03:30

ask ko lang po kung pwd ako mag withdraw,,i just have 5k in my account as my initial deposit


Gil February 15, 2013 at 14:26

Hi Erma,

Yes pwedeng-pwede but you need to add money into your account within the month to avoid penalty for being below the maintaining balance.


Kirstin January 20, 2013 at 06:17

Ung husband ko po nasa saudi ngaun,gusto po namin mag-open ng account sa bdo kc may bdo din po dun sa saudi..gusto po namin na dun na lang nya maideposit ung padala sa account na ipagagawa ko..Anong type ng account po ba ang bagay sa amin?


Gil January 20, 2013 at 12:03

Hi Kirstin,

You may open BDO Kabayan Savings account because it is actually intended for OFW who send regular remittance to their loved ones in the Philippines.


Tisha January 8, 2013 at 10:23

I just wann ask what are the possible requirements if ever i’ll open a join time deposit account at BDO?


Gil January 11, 2013 at 23:10

Hi Tisha,.

You can see the requirements posted in this link: http://learnfinancialeducation.com/requirements-for-opening-a-bank-savings-account/
It will be the same as opening joint account.


anj January 7, 2013 at 09:22

i have bdo atm debit card, maintaining balance is 2k.. and i withdrew everything 6 days ago, and today im planning to deposit again. is there any penalty or surcharges for not maintaining balance?? how much would it cost?? its only 6 days… thank’s.


Gil January 11, 2013 at 23:11

Hi Anj,

There will be penalty if it below or no maintaining balance. However, you need to deposit money in order for the bank not to close it because of no funds.


icy December 13, 2012 at 12:43

Hi I have peso ATM savings account how can I apply credit card my annual income P144,00.00… thanks God bless…


Gil December 14, 2012 at 13:14
ma. lourdes a. guevarra December 10, 2012 at 21:33

hi! i opened my BDO OFW account here in Doha Qatar thru PCI Bank way back 2008 or ’09 not. What i would like to ask is if my Acct. # Ma. Lourdes A. Guevarra 3940-368010 is still active so i can continue my banking system with you. The last transaction i had was May 2012 with Php. 500.00 left in my ATM. I hope to hear from your good office the soonest possible so i can do savings with you again. Being away from the Philippines and reliaing on Exchange Centers sometimes takes time in knowing if your remittances really get on time. My card is with me here and i don’t wanna come home without a saving….tanx and more power.


Gil December 14, 2012 at 13:13

Hi Lourdes,

I’m not connected to BDO bank, I’m just blogging about BDO. I have no idea how can you know if your ATM is still active since it with you right now. Try to call your branch and ask them if your account is still active.


lee November 27, 2012 at 16:59

hello, ask ko lng po pwd ba magopen uli ng remittence account kse prng naclose ung previous accnt. ko kc hndi ko nahulugan mag one year na xa nxt month….nagtuturo kc ako online so d2 ko sana ipapasend ang bayad from korea?…thanks…


Gil November 29, 2012 at 12:58

Hi Lee,

Definitely, you can open a new account. Maybe your old account is already closed since you didn’t deposit any money for one year.


renato bernabe November 25, 2012 at 11:57

good day,, gusto ko lang po itanong kung i time deposit ko sa inyo is 100k, magkano maging interest per month? and kung 1 year, magkano maging interest? ilang percent po ba ang interest pag 100k? thanks..


Gil November 29, 2012 at 12:48

Hi Renato,

Please see my article here about how to compute for TD: http://learnfinancialeducation.com/how-to-compute-profit-from-time-deposit/


renato bernabe November 23, 2012 at 05:18

hi.. ask ko lang po kung magkano ang maging interest ng 100k ko, kung i time deposit ko, magkano monthly and yearly? thanks


Liza Cressy November 17, 2012 at 08:12

Hi. I am a Filipino living in Australia but no longer a Filipino citizen. I’m considering of opening a BDO account and would like to find out if I could do that when I come to the Phil in 3 weeks time. If able to do that, what type of account is suitable and is there a minimum deposit? Looking forward to your reply.


maj November 11, 2012 at 17:52

magandang gabi po,

tanong ko lng po kung pwede ko pa mahulugan ang kabayan savings account ko khit 2 yrs ko n syang di nahulugan.

Kind regards,


Gil November 13, 2012 at 11:40

Hi Maj,

I think the account is already closed. You should check first if it is still active or open before depositing money.


princess November 6, 2012 at 04:34

ask lang sana ako what if I don’t have proof of billing can i use my mon’s billing?


Gil November 7, 2012 at 11:50

Hi Princess,

Yes you can use if you don’t have other billings in your name.


renato bernabe November 4, 2012 at 03:22

good day..

mag inquire lang po ako about sa kabayan savings account tnx..


Gil November 4, 2012 at 10:50

Hi Renato,

You can see this post about Kabayan savings account. http://learninterestrates.com/bdo-kabayan-savings-account-review/


IRISH November 1, 2012 at 07:04

hello po.. magkano po initial deposit ng joint account?.. pag nagopen po b ako nito may babayaran pa po b?


Gil November 3, 2012 at 00:21

Hi Irish,

The initial deposit for joint account normally range from P5,000 to P10,000. There’s no fee when opening an account but you should have the initial deposit to be able to open an account.


renato bernabe October 29, 2012 at 12:18

good day,,

gusto ko lng po mag inquire about sa time deposit, kung magkano po ang interests rate., and about sa kabayan savings account.. tnx


Gil October 31, 2012 at 03:21

Hi renato,

Visit this page to learn more about BDO time deposit interest rate: http://www.bdo.com.ph/Personal/DepositsInvestments/NewInterestRates.asp


Tintin October 7, 2012 at 14:12

Gusto ko pong mag open account.Ung husband q na nasa ibang bnsa ibank to bank dw nmin para daw mas maganda & madali..Ano po ba kailangan & what klaseng Savings account ang pwede sa amin?.Magkano ang idedeposit pag sa unang pag open na to..Pls..pa answer.tnx.


Gil October 9, 2012 at 03:13

Hi Tintin,

Since your husband is an OFW, you can open a BDO Kabayan Savings account with P50 initial deposit. However, there’s a requirement for the number of remittance per year for this account. Just ask the bank on the details.


eyo September 11, 2012 at 11:52

hi, nag-open ako dati ng bdo kabayan… kso na miss place ko xa.. kelan ko lang nakita… eh hindi na p xa nalalagyan ng khit anong remittance… anong pwedeng gawin dun…

almost a year n sya wla sa kin.. last month ko lang nkita… pano kng halimbawa malagyan xa ng remittance this year.. pasok p din ba xa sa zero-maintaining balance..


Gil September 15, 2012 at 05:39


I think you should check first if it is still active or not before someone send a remittance to it just to be sure. If it is still active, the zero maintaining balance will be effective if the account has been sent with money twice a year.


mae doctolero September 1, 2012 at 15:23

hai gOod day ? ;)

i would like to ask if ” how can i open an acCount ? ” , ( mentioning KABAYAN ACCOUNT ) .. i only have valid school id , but i dont have billing statement , can i still possibly open an account ? . my uncle will be the one to provide my bills , he was the one who ask me to open an account .. ?? neEd a resPonse Asap :) thank you .


Gil September 2, 2012 at 00:34


You need one valid ID like school ID plus a billing statement indicating your address or address where you live.


rocelynd.osias August 30, 2012 at 07:06

gud day.. i just wanna ask if my 5 mnths old baby can also open her own account? tnx


Gil August 30, 2012 at 13:04


You may try to open an account in her name, you need a birth certificate to do that.


Elaine Uy October 11, 2012 at 03:19

what are the requirements for opening an account for my 5 months old baby? is it okay if i use the peso savings account? and what is the ideal account type? thanks much


Gil October 11, 2012 at 12:34

Hi Elaine,

You need a birth certificate of your baby, your ID and proof of billing plus the initial deposit. I think peso savings account is ok or the passbook savings account.

Ivan Dizon August 21, 2012 at 00:56

Hi Gil,

Payroll account and BDO ATM Debit Card ko iyong may MasterCard. Hindi pa binibigay ang account number ko pero at the back of the card may naka-reflect doon na number, 7 digits. Iyon ba ang account number ko? Plan ko rin kasi gamitin ito for my savings although may BPI na rin ako personal. Thanks.


Gil August 26, 2012 at 04:11


I don’t have BDO account, but in BPI ATM card, the account number is reflected on the back of the card so I assuming the number at the back of your BDO ATM card is also your account number.


Kurai August 18, 2012 at 14:16

Sir, Question po re: Subject : Valid Identification Cards (IDs) for Financial Transaction

One possible ID is the use of Company IDs issued by private entities or institutions registered wit or supervised or regulated either by the BSP, SEC or IC

I am Post graduate medical intern of a private hospital.. Could my hospital ID be enough? Thanks


Gil August 26, 2012 at 04:08


As per BSP circulation, one valid photo-bearing ID would be enough when opening a bank account. See this post for more info: http://learninterestrates.com/list-of-valid-id-for-opening-a-bank-savings-account-in-the-philippines/


Azel August 13, 2012 at 00:34

Hi i just want to ask it is possible to open a joint account , in what banks?im here in canada, can my boyfriend open a joint account without my presence.. Thank u God bless


Gil August 26, 2012 at 04:07

I’m not sure if it is allowed because your presence is necessary when opening a joint account because of signature verification on your part.


ANN July 30, 2012 at 14:06

kuya hello..need ur help asap! anu pong pinakamagandang piliin na account type for savings account?kc ang purpose po kung bkit ako mag oopen pra dun po ipadala ng asawa ko yung pera na gnagamit na pang business,nasa abroad kc xa.kysa daw mgpadala lge sa MLHUILLER….SAKA nbasa ko po sa requirements kailngn p ng billing statement..wla po ako nun at isa lng po valid id ko..


Gil July 31, 2012 at 01:27


You can open a BDO Kabayan savings account. it is an account for OFW, you can use the billing of your parents or land lord (MERALCO Bill). 1 valid ID is enough to open an account. You may try also the BPI Easy saver account.


Rhodalyn July 23, 2012 at 04:25

gandang tanghali po…ask ko lng po sana kung ano dapat gawin kasi gusto ko po sanang mag open ng savings account sa BDO kaso andito po ako sa Singapore ngayon…ano po ba ang best possible way? tnx


Gil July 28, 2012 at 01:59


I’m not sure if there’s a BDO branch there in Singapore. BDO has no online application for savings account, perhaps you can try to apply a savings account at BPI Direct.


Thomas richardson April 24, 2012 at 04:47

I am planning to retire to Santa Barabra, Pangasinan, Philippines in 2014. I want to know what would be the best account to set up with US Military Retirement check. My wife is Philipina.
I would like to have joint account, with check deposited to dollar account, than be able use go to nearest BDO bank to withdrawn money inside of bank. Thank You.


Gil April 24, 2012 at 21:18

Hi Thomas,

You can apply for BDO Dollar Savings account. See more here: http://learninterestrates.com/bdo-dollar-savings-account-interest-rates/


Princess April 23, 2012 at 11:53

Hi! Ask ko lang. Magkano ang maintaining balance ng BDO? Yung atm na walang passbook. Thanks!


Gil April 24, 2012 at 21:16
Sam April 4, 2012 at 06:42


Pwede ba ung wife ko ang representative ko para magopen ng Account sa BDO?…ano mga requirements?..



Gil April 5, 2012 at 10:26

Hi Sam,

No. You are the only one that can apply in your name.


paula April 2, 2012 at 07:29

Hey Gil, is it possible to open an account in BDO kahit walang landline number??? tapos college pa lang ako ngayon and i only have one valid ID… what shall i do? i really need to open BDO account.


Gil April 2, 2012 at 13:11

Hi Paula,

Yes it is possible. My sister open an account at BPI even she has only one ID. I think it is possible, it is according to BSP.


sara March 26, 2012 at 16:43

helo po! nag apply po ako ng kabayan savings account s pinas bago po ako umalis! eh ang account number ko lng po eh 9 digit! s aking passbook! talaga po bang 9 digit lng ang account number?


Gil March 27, 2012 at 09:12

Hi Sara,

I’m not sure about the quantity of account number, normally is around 8-10 digits. In BPI, it is 10 digits, I’m not sure about BDO.


sara March 27, 2012 at 23:46

try po kc meng nag apply s internet banking po b un s bdo eh invalid po ang account number ko! kya nag aalangan ako kung maghuhulog p ko o hindi na

salamat po sa reply!


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