How to Open an Account Online

Open a BDO account without stepping into a branch


Now you can enjoy the features of a BDO Account and access it easily via Online Banking!


Instead of a branch visit, all you have to do is join a Zoom video call from the safety and comfort of your own home. Just choose any BDO branch as your home branch, where you'll pick up your BDO Debit Card, Passbook or Checkbook and make future transactions.


How to open an account online




NOTE: You may be asked to submit additional documents at the BDO branch after further evaluation.
Accepted IDs for Account Opening
  1. Passport (with English characters)
  2. Driver's License issued by LTO
  3. Professional Regulations Commission (PRC) ID
  4. Unified Multi- Purpose ID (UMID)
  5. Social Security System (SSS) ID
  6. Philippine Identification System (PhilSys) ID
  7. School ID (for minors)
  8. NBI Clearance
  9. PNP Clearance with dry seal
  10. Philippine Postal ID
  11. Voter's ID
  12. Tax Identification Number (TIN) ID
  13. Barangay Certification with dry seal
  14. Government Service and Insurance System (GSIS) ID
  15. PhilHealth ID
  16. Senior Citizen ID
  17. Overseas Workers Welfare Administration (OWWA) ID
  18. Overseas Filipino Workers (OFW) ID
  19. Seaman's Book
  20. Government Office and GOCC ID (e.g. AFP, HDMF)
  21. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  22. Person with Disability (PWD) ID issued by National Council on Disability Affairs (NCDA)
  23. DSWD Certification
  24. Integrated Bar of the Philippines (IBP) ID
  25. Company IDs issued by private entities registered with or supervised or regulated either by BSP, SEC or IC
  26. Maritime Industry Authority  (MARINA) ID


*One (1) valid ID is acceptable if the ID is a Passport, Driver’s License, PRC ID, UMID, SSS ID, PhilySys ID or School ID (for minors).

Otherwise, please prepare at least two (2) valid IDs from the list. The chosen ID must be original and within their period of validity.



Available accounts

ATM Savings

Withdraw cash and pay bills free of charge in over 4,000 BDO ATMs nationwide.

Kabayan Savings

Para sa overseas Filipinos at beneficiaries, kayang kaya mag open ng account with zero maintaining balance. Php 100 lang and 1 valid ID.


Passbook Savings

Monitor your account easily with a passbook while it grows with a fixed interest.


Optimum Savings

Enjoy higher interest rates as you deposit more money. Withdraw/debit up to three times a month, free of charge.

Prime Savers

Enjoy priority queuing at the branch and special forex rates. For individuals 60 and up.

US Dollars Savings

A convenient way to save and enjoy your hard-earned US currency.


Peso Checking

Make payments via checks while enjoying the convenience of Debit Card for your regular transactions. Available for existing BDO accountholders only.

Smart Checking

A checking account that earns interest! Easily monitor your transactions with options for an electronic statement or a passbook. Available for existing BDO accountholders only.



Junior Savers

Teach your child the value and habit of saving, open a Junior Savers account online! Available to kids age 12 years old and below.​ ​


The account will be under the name of the parent and please have a copy of the child’s birth certificate available upon account opening.








Click here to read the Frequently Asked Questions.


You may be asked to submit additional documents in compliance with bank regulatory requirements.


Deposits are insured by PDIC up to P500,000 per depositor.