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67 thoughts on “How to Open a BDO Savings Account: An Ultimate Guide

  1. What if unemployed no source of income, bali ang live in partner ko lang ang merong income. Sa BPI kasi need ng source of income. Pwdy po kaya ako maka pag open sa BDO savings account if ever.

    1. You can try po. Minimum amount to open an account lang ang hinihingi ng BDO aside from the valid IDs.

    2. I will refer your source of income is to have business. One of the easiest is Avon or any. All the banks are asking for source of income to avoid money laundering. This is what I always suggest to my clients.

  2. Pingback: How to Open BPI Savings Account: 6 Steps (with Pictures)
  3. Pwede po bang 1 valid ID lang ang ipresent since student pa lang po ako? Student ID lang po meron ako eh. Sana po magreply kayo, thank you in advance!

    1. For students who are not of voting age yet and beneficiaries of remittances/fund transfers: School/Student ID bearing the applicant’s photo and signature of the principal/head of school together with a Registration Form for the current semester or school year.
      *Also bring your PSA birth certificate, electric and water bills (its okay because it named to your parents).* still depends on the personnel of the bank.

  4. pwede bang mag-open ng bdo savings account kahit meron na dati dhil atm sa payroll pero matgal ng nclose dahil

  5. would they accept a MARINA license/ID?
    needed po ba talaga na malapit sa inyo yung branch ng BDO? kasi po hindi permanent yung address ko.

  6. nag apply po ako sa BDO calamba branch ng Junior Saving account for my baby 3yrs old. then hinahanapan nila ako ng proof of income kung hindi daw employed sabi ko reseller lang ako. then nagbebenta ng mga kakanin. hinahanapan nila ako ng DTI kung registered daw eun. tapos po mga barangay permit. then sabi ko wala ako maibibigay ni reject nila ang papers ko. sayang lang ang 2hrs na pag aantay ko.

  7. Hirap mag open ng account. Wala akong tin, went to bdo to ask for a referal letter para makakuha ng tin, hinde daw sila nag bibigay ng ganun. Same with other banks. So paano na lang kaming mga nasa informal sector. Paano magkakainteres ang mga pilipino magbangko? Requirements pa lang pahirapan na. 1 id lang sabi ng bsp pero nde rin napayag yung mga banks. Sana i-simplify nila. Wag na nila pahirapan mga tao.

  8. Good morning. I went to bdo bayani road yesterday to open a savings account, I have a voters ID, barangay ID, barangay clearance as my requirements. But, the teller didn’t accepted it because according to the BSP policy she said I have to submit a requirements on where did my money came. I told here that I have my sari-sari store but it was already close this Feb 22 because the owner is going to build a condominium. So, I didn’t renew my business permi yet coz I’m still looking for the right place. Nakakainis Lang! I want to save my money for my business but Alam mo un! Why did the BSP came up for the bank hassle free when there is like that.

  9. Paano po kikita? per annum po ba? Halimbawa: Yung 50k mo, dapat po ba hindi yun magalaw para kumita? may pagkakaiba po ba yung interest rate kapag nakatime deposit ka po? Thank you in advance po.

  10. May online form po ba BDO para sa pag open account?tapos paprint ko nlng para kpg dating sa BDO branch mabilisan nalng

  11. Hanggang 7 to 12 years old lng ba talaga required para sa juniors savings?? 2 years old plng kasi anak ko balak ko sana iapply

  12. hi po sir/ma!m pede ko ba malaman if active pa ba ako account since 2016 pa po ako nag open tapos until na hindi pa ako umaalis nahuhulugan at nadedeposituhan nman po siya tapos umalis din po ako ng pilipinas pumunta ng abroad at diko nahuhulagan until now gusto po sana hulugan na pero diko alam if pede pa active pa siya na hindi naman nahuhulgan almost 2years na po siyang hindi na dedeposituhan. gusto ko sana hulugan every month.. anu po maganda gawin kasi nasa abroad pa ako ngayon thanks po..

  13. Good day, May TIN ID po ako, at Certification from Comelec w/ picture representing may Voters ID, ndi pa po ako naissuhan ng Voters ID. Pwede na bang iconsider yon para mkpg open account ako? Thanx. God Bless.

  14. Hello bdo.. I hope you take time to read my message.. I only have one valid id which is passport.. I dont have proof of income as i work as a nanny. Can i still open a savings account??
    Also if ever i can open one, can i use it if someone will send me remittance overseas.. Will really really appreciate your response… I will wait

  15. Hi po,
    I am checking into opening of any account at any bank in the Philippines for my Filipino family and some friends in the Philippines.
    Question 1. When your new company/employer, ex: hotel, that you will start working for, opens an account in a bank for direct deposit of your salary, does that account belong to the person permanently or temporarily?
    Question 2. Since the company/employer opens the account for the employee, do they take a percentage off your salary for doing so every pay period or month?
    Question 3. When you quit/resign or otherwise, would you be able to keep that account or do you loose it?
    Your answers would greatly be appreciated. Thank you.

    1. @Arthur

      My answers are purely based on my own experience. I suggest calling BDO customer service directly at (+632)631-8000 to get a more accurate/detailed explanation. Anyhow, here are my answers:

      1. You’re talking about a payroll account. If this account is under your name, then it’s yours even if it’s given to you by the employer. Should you decide to leave your job, the employer may or may not request for that payroll account to be closed. Otherwise, you can continue using it or convert it to a personal account (which I highly suggest).

      2. Nope.

      3. Again, it depends. If it’s in your name and the employer doesn’t request for cancellation, you can continue using it or convert it to a personal account.

  16. I had the same situation with you and was advised to open a new account after 6 months wether at the same branch or not.

    1. hi po .. magkano ba kelangan para hindi ma close yung acct. matagal na kasi akong hindi nakapag deposit sa acct. namin pero may 1k pang natira…

  17. hi, makakapag apply po ba ako ng savings account kahit unemployed? self employed lng po kasi ako thru online jobs lng..thanks

  18. Hi im from.italy..can.I open.a euro a filipina.what is the rewiirement.pls let me know asap.thanks and have a nice day

  19. Hi po..ioopen ko po ng junior accnt.ang ank ko n 3 yrs old at 8 yrs.old nkapelyido po cl s asawa ko yung id ko nman n valid is single p ko..pno po yun..marriage contract po b pagbbasahan wl po ko id rather than passport ng single p ko nkpngalan..tnx..po

  20. Hi..gusto ko po mag open account married n po ako kso yungvalid id ko n ns akin is passport nkpngalan ng single ako pno po yun?anung id p po pede ko ipasa pede po b n passport ko nkpngalan single p ko tpos kukuha ako ibang id kso nka apelyido n asawa ko..conflict po b yun ..tnx

  21. Hi good evening before they are asking for proof of income and i see your post is recently lang, is this new policy? I want to open an account pero wala kc akong proof of income documents, i’am a housewife but i do food delivery.

  22. Hi, is it possible to open a peso savings account while unemployed? Money’s from my mom in abroad. She wants to open a savings account under my name.

    1. @Mickhaela

      I haven’t confirmed it yet but I think BDO now requires a certificate of employment from applicants (see katrice’s comment). But if that’s not the case, then you can still apply for a savings account since it doesn’t require a proof of income, unlike credit cards. Let us know if your application pushes through.

  23. Hello po pwdi po akong mag open na ang gamit kung ID po ay postal ID lang po at isa lang sya at ang isa po ay sa amo ko at samahan naman po nya akong mag open? Tnx po.

  24. FYI: BDO now requires certificate of employment or latest contract with latest payslip for those employed.

    Such a hassle! They should’ve included this in their website. We just came from BDO earlier and we have to come back because of this additional requirement. Tsk!

    1. @katrice

      Were you applying for a credit card or savings account? Certificate of employment is only required from credit card applicants according to BDO’s website.

  25. hi.. i would just like to clarify.. I have two IDs but they have different addresses.. One is of where i live with my parents, since i was registered there while the other has the address where im currently residing.. would BDO accept it or would they ask for barangay clearance?

    also, may you please clarify about the company ID? is it any company ID public or private.. thanks

    1. @Kassandra

      In your case, I think BDO will accept the IDs as long as you also provide a proof of billing which shows your current address. As for your second question, you can present a company ID from a legit or registered business establishment. Unless your company is operating illegally, this shouldn’t be a cause of concern.

  26. Hello po ..meron po pla akong kabayan savings tapos po yung mama ko na nasa abroad gusto po akong ipa open ng account para sa ipon posible po bang mag apply ng bagong account? Tanong ko lng po salamat in advance

    1. @Jess

      All banks require proof of billing to prove that you reside in the address you’ve specified in your application.

      If you live in an apartment, a rental bill (official receipt and TIN of the apartment owner) showing your name and address will suffice.

      However, requirements may vary depending on the BDO branch where you’ll be applying. I suggest calling the nearest bank in your area to ask if what proof of billing is acceptable.

  27. Magkano po hinihingi ng BDO pag mag oopen ng ATM/DEBIT CARD (Bank Account) ? yung pinaka low cost po ?

  28. my previous atm bdo savings was closed due to the under maintaining balance last two months ago in BDO Las pinas Philam life Branch.
    could i possibly apply again in other BDO branch please reply thanks,

  29. Hi po..ok lng po na iyong ID na ipresent magkaiba pangalan at pirma? Gusto kasi magopen ng mother kaso sa voters id po Hilda ang nakalagay tas sa philhealth id nia po ay luvigilda kasi iyon talaga ang totoong pangalan nia at magkaiba po pirma sa mga id..sana po masagot nio tanong bago po kami magopen..thank you po..🙂

  30. Bkit po mern nmn kayo mga id n kasama pwd ipresent kung gusto magopen ng account pero hnd nman tinatanngap sa bdo plaridel-bulacan branch sayang lng oras pagpnta dun..

      1. Ok lang po na mag open ng account …kung ay id ko.lang po ay..tin id..baranggay clearance..police clearance lang madadala ko

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