BDO Debit Card
Frequently Asked Questions

Frequently Asked Questions

It is a card linked to a deposit account and can be used for the following transactions:

  • Cash withdrawal
  • POS (Point-Of-Sale) transactions
  • Online shopping
  • International transactions

Required to have a bank account?
Credit Card: No
Debit Card: Yes
 
Monthly Billing Statement?
Credit Card: Yes 
Debit Card: No
 
Application Process
Credit Card: Approval is subject to credit evaluation
Debit Card: Just open a deposit account and get card instantly
 
With interest charges
Credit Card: Yes if full payment is not received on or before due date
Debit Card: No
 
Annual Fee
Credit Card: Yes
Debit Card: No annual fee

Simply open a deposit account and a BDO Debit Card will be issued to you. Find out how to open an account here.

The only difference is the brand name. Both are accepted locally, internationally and online. 

Your debit card will be activated on the same day you nominate your PIN.

No, your BDO Debit Card does not require an annual fee.

Yes. You may check the expiry date on the front of your BDO Debit Card.

You can request for card replacement at your branch of account. Your branch of account is the branch where you opened your deposit account linked to your BDO Debit Card.

We suggest that you keep the card as this also serves as your ATM card which allows you to withdraw funds from your account 24/7.

You only have to remember 1 PIN (Personal Identification Number). Your ATM and POS PIN are the same. 

Please do not give any information about your account and Debit Card to anyone. The cashier will let you enter your PIN on the terminal itself or let you sign on a charge slip.

How the transaction is authorized depends on how the terminal is set up. Rest assured that both PIN and signature based transactions are secure.

Since your BDO Debit Card is associated with either Mastercard or Visa, you can pay for your online transactions similar to how you pay using a credit card (in case you have). The merchant/seller may ask for your card number, expiry date and CVC or CVV (Card Validation Code or Card Verification Value). Please only transact with trusted merchants/sellers online. 

Note:  For more details, please visit Security Management.

The CVV or CVC is a 3-digit security code that is required to complete an ecommerce/internet transaction that is carried out using your debit card. This is an additional security layer protecting your card during online transactions.

The CVV or CVC is a 3-digit security code that is required to complete an ecommerce/internet transaction that is carried out using your debit card. This is an additional security layer protecting your card during online transactions.

An OTP is a unique six-digit code sent to your registered mobile number to confirm transactions done online. Most merchants/sellers require you to input an OTP before confirming payment or purchase using your debit card.

For the updated list of transaction limits, please visit Limits & Fees. 

Yes, you may change your limits for cash withdrawal, POS transactions and online transactions. For complete steps on how to change your limits, please visit Security Management.

For the updated list of fees, please visit Limits & Fees. 

By enrolling for a BDO Online Banking account, you can check all your transactions as well as your account balance.

If you are enrolled to BDO Online Banking, you can lock your card to prevent transactions. For complete steps on how to lock your card, please visit Security Management.

Contact us

BDO Corporate Center

BDO Corporate Center:

7899 Makati Avenue Makati City 0726, Philippines Trunkline: (+632) 8840-7000

BDO Corporate Center

BDO Contact Center:

Metro Manila: (+632) 8631-8000

Outside Metro Manila

(PLDT): 1-800-10-631-8000

(Globelines): 1-800-8-631-8000

 

 

BDO Corporate Center

callcenter@bdo.com.ph

This channel is dedicated to handling phishing reports, online banking enrollment and/or updating of registered online banking contact information of overseas clients

BDO Corporate Center

BDO's Consumer Assistance Management System

See available channels

BDO Corporate Center

International Toll-Free:

(IAC)+800-8-631-8000

(See list of IAC here)