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Account-related Terms & Conditions
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To view the complete terms and conditions, visit Debit Card Terms and Conditions.
Effective August 17, 2026:
The BDO Debit Card Terms and Conditions will be updated to include the use of digital wallets and tokenized transactions.
These changes are designed to help you use your BDO Debit Card safely for digital and mobile payments, and to better understand your responsibilities and the security measures in place.
Effective July 1, 2026: Updates on Undertaking regarding enormous Credit.
Please be advised of changes to the BDO Debit Card Terms & Conditions, effective July 1, 2026.
Section 21 Undertaking: Any amount/s that remain unreturned by the Cardholder from erroneous credit after BDO sends a written notice will be considered as a potential case of misuse or misappropriation of funds.
Effective February 1, 2025: Cardholder information and Consent and Disposal of Unclaimed Cards.
Please be advised of changes to the BDO Debit Card Terms & Conditions, effective February 1, 2025.
Section 6.5 Cardholder Information and Consent: Cardholder may be enrolled in programs, benefits, and features of the Card from time to time.
Section 10: Disposal period of unclaimed cards
Cards that are unclaimed shall be destroyed and disposed of after 60 calendar days or 2 months from receipt of the BDO Branch where the Card should have been claimed.
Effective August 1, 2026
Section II: Applicability of BDO Biometrics Terms and Condition
Clarifies that Clients may signify their agreement to the Biometrics Terms and Conditions either by signing or by activating their Biometric Information in the BDO Biometrics System, consistent with existing onboarding and usage practices.
Section III: Enrollment in and Activation of Biometric Information
Formally defines the existing enrollment and activation procedures, including:
Face and Fingerprint Enrollment through BDO Branches
Voice Enrollment through the BDO Customer Contact Center
This section also specifies that activation is completed within twenty-four (24) hours, in line with current operational timelines.
Section IV.F: Privacy Statement Reference
Updates the privacy reference to reflect that Clients acknowledge and agree to the BDO Privacy Statement, aligning the Terms and Conditions with the Bank’s current data privacy framework and replacing the prior reference to the Data Privacy Consent form.
Section IV.H: Termination or Deactivation from the BDO Biometrics System
Clarifies the established procedures for deactivation, including:
Face and Fingerprint Biometrics may be terminated through the Branch of Account
Voice Biometrics may be deactivated through the BDO Customer Contact Center
Further reiterates that biometric data deletion is irreversible, and re-enrollment is required to resume use of the service.
Section IV.J: Retention of Biometric Information
Clarifies that retention of Biometric Information is not indefinite and is subject to the retention period set out in the BDO Group Data Privacy Statement.
Section VIII: Communication Channels
Updated communication channels for comments, concerns, and information on Biometrics Services, including BDO Branches, the BDO Customer Contact Center (02) 8888‑0000, and the BDO Consumer Assistance webpage.
Section X
Amendments to the BDO Biometrics Terms and Conditions
Clarifies that amendments to the Terms and Conditions will take effect after sixty (60) days’ public notice, unless immediate implementation is required by applicable laws or regulations.
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Yes, as long as you are a Filipino Citizen. Make sure to use an active Philippine mobile number for your application as an OTP (One-Time PIN) would be sent to your number as part of the process.
Important Note: If you are located in China, you may be unable to receive the OTP (One-Time PIN) due to local regulations restricting international SMS. You may open an account upon returning to the Philippines or from another country.
Yes, as long as you have a valid resident visa and address in the Philippines. Just submit your Passport (with English characters) and a second ID from the list of acceptable IDs (i.e. ACR I-Card, National ID for select countries). You may also be asked to submit additional documents in compliance with bank regulatory requirements.
Step 1: Go to www.bdo.com.ph/apply, choose the account type, and fill out the online forms
Step 2: Upload and submit a photo of your ID, and selfie
Step 3: Get into a video call with a BDO representative for evaluation
Step 4: Once account is opened, fund your account within 7 days.
Step 5: Pick-up your debit card / passbook / or checkbook at your chosen BDO Branch
BDO Online Banking lets you do secure and on-the-go banking through the website or the mobile app. It lets you manage your accounts, keep track of your finances, and make different types of transactions anytime, anywhere.
With the new BDO Online app, you can:
Log in quickly and securely
Send Money seamlessly
Pay Bills without the frills
Use QR for quicker transactions
Buy load straight from your phone
By signing up to Online Banking, you can easily access the BDO Online app and perform online transactions once your account is open.
Download the BDO Online app for FREE from the Google Play Store or the App Store.
To know more, visit www.bdo.com.ph/online-banking
If your preferred time slot is unavailable, feel free to choose the next most convenient schedule. New slots open regularly, so we recommend checking back for updated availability. You may also consider opening an account at the nearest BDO branch if you'd like to proceed sooner.
Yes. After you enter your personal information and agree to the Terms and Conditions/Data Privacy Consent, the facility automatically saves your information. We will send you an SMS and email with the application reference number so you may continue your application within 7 days.
Once your application has been saved, we will send you an email with your Application Reference Number and instructions on how to get back to your application. Simply follow the intructions to pick up where you left off.
Try to log-in again after 48 hours from receipt of the account approval email. Ensure that you enter the correct user ID and Password. If you still cannot log-in, please contact the BDO Customer Contact Center at (+632) 8888-0000.
App
On the login page where you need to input your username and password, tap Need help logging in?, then tap I’d like to get my username, and then enter your registered email address. You will receive instructions on how to recover your username via email.
Website
On the login page, click I’d like to get my username, enter your registered email address, then click Submit. You will receive instructions on how to recover your username via email.
Just follow these steps to reset your password:
[App] On the login page where you need to input your username and password, tap Need help logging in?, then tap I’d like to reset my password
[Website] On the login page, click I’d like to reset my password
Enter your username and the last four (4) digits of your account or card number, then tap/click Next
Enter the OTP (One-Time PIN) sent to your registered mobile number to confirm your account, [website] then click Submit
Set up your new password
Must have at least 8 characters
Must contain a lowercase letter
Must contain an uppercase letter
Must contain a number
Must contain a special character (except backslash [\], double quotes [“”] and single quote [’])
Must not be an old password
Once password reset is successful, you can already use your new password to log in to the BDO Online app and website.
You will receive an email notification for every successful password change.
To use the facility effectively, please check that your internet connection is stable. We also recommend using Google Chrome, Safari, or Microsoft Edge browsers on your preferred device.
When opening a Junior Savers Account online, enter the personal information of the parent/s or guardian. If you wish to open an account under the name of your child, you may do so at any BDO branch.
You need to have your own active personal mobile number as this is used to communicate important account-related updates, as well as for security purposes like sending of OTPs (One-Time PIN).
Yes, same-day video call appointment is available! Just pick your preferred timeslot. If all slots are already filled, just pick the next available date and time that works best for you.
You can simply visit your preferred branch to continue your application at your most convenient time, within 30 days from the date of submission. Just bring your valid ID(s) and provide your reference number when you visit.
Updates will be provided through email and SMS after submitting your application. If you can't find our email, check your spam or junk folder in case our message ended up there.
Contact us
BDO Corporate Center:
7899 Makati Avenue Makati City 0726, Philippines Trunkline: (+632) 8840-7000
BDO Contact Center:
Hotline: (+632) 8888-0000
Outside Metro Manila
(PLDT/Globelines): #8888-0000
(For landline only, press # followed by 8888-0000)
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.
Deposits are insured by PDIC
up to P1 Million per depositor.
