Optimum Savings

Maximize our high interest rates and get the best out of your savings.

Saving more money today is the key to achieving financial freedom faster. BDO’s Optimum Savings Account gives you increasingly higher interest rates as you deposit additional money. You may withdraw/debit from your account, free of charge up to 3 times a month.

When you need your savings to fulfill your life’s goals, BDO will make sure you get the maximum interest for your hard-earned money.

FEATURES Personal Business
Minimum Initial Deposit Php 30,000.00 Php 50,000.00
Minimum MADB Requirement (1) Php 30,000.00 Php 50,000.00
Minimum Balance to Earn Interest Php 30,000.00 Php 50,000.00
Gross Interest Rate Per Annum Please call or visit your preferred BDO Branch for the latest interest rates.

(1) MADB – Monthly Average Daily Balance


FEES AND CHARGES Personal Business
Account Closure (2) Php 300.00 Php 300.00
Falling Below Minimum Balance (3) Php 300.00 Php 300.00
Account Dormancy (4) Php 30.00 (4) Php 30.00 (4)
Withholding Tax for Interest Earned 20% 20%
In excess of 3 client-initiated withdrawal/debit transaction per month (per excess transaction) Php 110.00 Php 110.00

(2) Account Closure Fee will be collected if account is closed within 30 days from account opening.
(3) Falling Below Minimum Balance Fee will be collected if account falls below the required minimum MADB for two consecutive months.
(4) 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 will start five (5) years after the last client-initiated activity date.
  • The revised collection and dormancy fee is effective April 25, 2017.

BDO EMV Debit Card

The BDO EMV Debit Card is the perfect banking companion wherever you go.

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BDO Digital Banking

Sign up to access your account anytime, anywhere.

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Opening a BDO Account is easy!





Accepted IDs*

• Passport (in case of foreign passport, must have English characters/translations and the holder must have a residence address in the Philippines)

• Philippine Postal ID

• Tax Identification Number ID

• New Social Security System (SSS) ID

• Government Service and Insurance System (GSIS) e-Card

• PhilHealth Card

• Driver's License issued by the Land Transportation Office (LTO)

• Senior Citizen ID

• Voter's ID

• Integrated Bar of the Philippines (IBP) ID

• School ID (for minors)

• Professional Regulations Commission (PRC) ID



*IDs must be original and within their period of validity


Click here to know about Terms and Conditions Governing Deposit Accounts.


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.



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