Open an Account

Opening a savings account for your children makes their future more certain - whatever comes their way.

With a BDO Junior Savers Account, parents are more in control of what the future holds for their children. With only a few required documents and a visit to your nearest BDO branch, you’re one step closer to preparing for your child’s future - whatever they choose to be.


To open a Junior Savers Account, you will need:

  1. Minimum initial deposit of Php 100.00
  2. Bring original copies of the following documents to the BDO branch nearest you.


Any of the following:

  • Birth Certificate issued by Local Civil Registry or Philippine Statistics Authority
  • School ID signed by the principal/school head
  • Passport

Parent/Legal Guardian*

  • One (1) valid government ID
  • Adoption documents - applicable if the account will be opened by the Adoptive Parent
  • Guardianship documents - applicable if the account will be opened by the Legal Guardian

IDs must be original and within their period of validity.


In adherence to the requirements of the Anti Money Laundering Council, BDO reserves the right to require the submission of additional document/s it may deem necessary.


Branch Locator


Fees and Charges

Take note of the amounts that may apply to your child’s Junior Savers Account.

Account Closure (1) Php 300.00
Falling Below Minimum Balance (2) Php 300.00
Account Dormancy(3) Php 30.00 (3)
Withholding Tax for Interest Earned 20%

Account Features

Learn how to save easily and conveniently

(1) Account Closure Fee will be collected if account is closed within 30 days from account opening.
(2) Falling Below Minimum Balance Fee will be collected if account falls below the required minimum MADB for two consecutive months.
(3) Account Dormancy Fee will be collected if account is dormant and falls below the minimum MADB.

A savings account is dormant if it has no client-initiated activity for two (2) years.

Collection of the above fees will start five (5) years after the last client-initiated activity (e.g. deposit, withdrawal, etc.) date.

The revised collection and dormancy fee is effective April 25, 2017.


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.


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


BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas with contact number (02) 8708-7087 and email address