Frequently Asked Questions
The BDO Pay Card is a BDO-issued debit card that is linked to your existing Basic Account. You can use it to withdraw from any BDO ATM for free and from non-BDO ATMs for a service fee.
The BDO Pay Card is available for customers who already have a Basic Account.
If you already have an approved Basic Account, just visit any BDO branch near you to request for it.
Remember, only those with approved Basic Account applications can get a BDO Pay Card.
The BDO Pay Card and the BDO Cash Card both let you withdraw for free from any BDO ATM nationwide and allow you to pay via card in stores that accept BancNet debit cards.
The main difference is that the BDO Pay Card, once linked to your Basic Account, can be used with the BDO Pay app so you can Scan to Pay in stores, Pay Bills, Send Money, Request Money, and more!
The BDO Debit Card is linked to a BDO deposit account while the BDO Pay Card is linked to a Basic Account.
It costs P150 to avail of a BDO Pay Card, but BDO Cash Cardholders can get their first BDO Pay Card for free.
On July 20, 2026, all Cash Card variants will be discontinued and will become inaccessible. Cardholders should transition to the BDO Pay Card for future transactions. Â
You may visit any BDO branch with a valid ID to request a balance transfer to your BDO Basic Account or Savings Account. If you do not have a Basic Account yet, you may open an account at the branch or here.
You may also call the BDO hotline to request a balance transfer.
Yes, the monthly maintenance fee for inactive cash cards will continue to be charged monthly. When your inactive card reaches zero balance, it will automatically close.Â
BDO transitioned from the BDO Cash Card to the BDO Pay Card to provide customers with a more convenient and versatile payment experience.Â
The BDO Pay Card offers enhanced functionality beyond ATM withdrawals, including in-store purchases and integration with the BDO Pay app for digital transactions.Â
This transition enables customers to enjoy a more seamless and flexible way to manage everyday payments across both physical and digital channels.
The BDO Pay Card has all the same features and more. BDO Pay Card is connected to a Basic Account which you can link to the BDO Pay app. This app lets you Scan to Pay, Pay Bills, Send Money, Request Money, and more!
Yes, you may visit any BDO Branch and request for over-the-counter withdrawal.
Yes, just open your BDO Pay app, and select Apply now. Go to Explore BDO Pay Products > Basic Account > then, select Open an Account.  Â
Once your Basic Account is approved, open the BDO Pay app and sign up using the username and password you nominated during the application process. Start using BDO Pay!Â
Yes, when the branch releases your BDO Pay Card, this should already be linked to your Basic Account shown on your BDO Pay app.
Yes, just visit any BDO branch to get a BDO Pay Card.
Once the branch links your BDO Pay Card to your Basic Account, it is ready to use.
No, they are not the same. You can find your Basic Account number in the password-protected PDF you received when your account application was approved, or by logging into the BDO Pay app with the username and password you created during account application.
No, the Basic Account is what appears on your BDO Pay app, while the BDO Pay Card is its physical card equivalent that you can use to pay for in-store purchases or withdraw from local ATMs.Â
No, for security purposes, a BDO Pay Card can only be given directly to the Basic Account holder.
No. You can only have one (1) BDO Pay card linked to one (1) Basic Account.
There are many ways to reload your BDO Pay Card.
- Through BDO Cash Deposit Machines
- Through Send Money or fund transfers to your Basic Account, andÂ
- Through over-the-counter deposit in BDO Branches
There is no maximum limit.
The BDO Pay Card can only be used in-store where BancNet cards are accepted.
Yes, you can use your BDO Pay Card to withdraw from non-BDO ATMs. However, this transaction is subject to the withdrawal fee of other banks' ATMs.
No, a BDO Pay Card can only be linked to a Basic Account.
Contact us
BDO Corporate Center:
7899 Makati Avenue Makati City 0726, Philippines Trunkline:Â (+632) 8840-7000
BDO Contact Center:
Hotline:Â (+632) 8888-0000
Outside Metro Manila
(PLDT/Globelines): #8888-0000
(For landline only, press # followed by 8888-0000)
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International Toll-Free:
Send a message to this channel for account-related concerns.
For scams, fraud, or lost/stolen cards, call the BDO Customer Contact Center at (02) 8888-0000. To report phishing attempts, email us at reportphish@bdo.com.ph.
