Limits and Fees

Interest Rate
Minimum Account Balance
No set limit
Maximum Account Balance
No set limit
Maximum Reload / Cash in
No set limit
Send Money (BDO to BDO)
200,000 / day
Send Money (InstaPay)
50,000 / day
Maximum Request Money / Split Bills
50,000 / person
Maximum Scan and Show QR 
10,000 / day


Here's how to sign up for a Basic Account

Make sure you've never had a BDO Account before you apply.

Frequently Asked Questions

A Basic Account is for people who’ve never had a BDO account before. Opening one is done completely online and has no initial deposit requirements or minimum maintaining balance.     

Once your Basic Account is activated, you can link it to the BDO Pay app so you can enjoy all its features like Scan to Pay, Pay Bills, Send Money, and more.

No. Only those who have never had an account with BDO can apply for a Basic Account.

We’re working on making the Basic Account available for you soon!
In the meantime, check out this page if you're interested to apply for other BDO products. 

You can apply through the BDO Pay app. 

  1. Download the BDO Pay app from Google Play Store or App Store 
  2. Open the app and tap Open a Basic Account
  3. Tap Start Application 

You’ll need to provide the following information to open a Basic Account: 

  • Personal information
    • Full name
    • Date of birth 
    • Personal mobile number
    • Personal email address
    • Home landline
    • Home address 
    • Gender
    • Country of Birth
    • Citizenship 
    • Civil Status 
    • SSS/GSIS Number
    • TIN 
    • Mother’s full maiden name
  • Financial Information 
    • Primary source of funds
    • Primary nature of work/business
    • Name of primary employer
    • Position/job title 
    • Gross annual income (PHP)
    • Work email address
    • Work address
    • Purpose of Account opening  

You’ll also need to schedule a video call and submit the following: 

  • Two (2) valid government IDs
  • One selfie
  • Three signature specimens 

At least one of these IDs must be submitted: 
  • Passport
  • Unified Multi-Purpose ID (UMID)
  • Driver's License (issued by LTO)
  • Tax Identification Number (TIN) ID
  • New Social Security System (SSS) ID
  • Philhealth Card
  • Voter's ID
  • Philippine Postal ID
  • Professional Regulations Commission (PRC) ID
  • Foreign Passport (provide English Translation and address in the Philippines)

Your second ID can be one of the following: 

  • NBI Clearance 
  • Police Clearance (with dry seal of PNP)
  • Barangay Certification (with dry seal of the barangay where it was issued)
  • Government Service and Insurance System (GSIS) eCard
  • Senior Citizen ID 
  • Overseas Workers Welfare Administration (OWWA) ID
  • Overseas Filipino Workers (OFW) ID
  • Overseas Filipino Workers Seaman's Book
  • Alien Certificate of Registration (ACR) / Immigrant Certificate of Registration (ICR)
  • Government Office and GOCC ID (e.g. Armed Forces of the Philippines - AFP Home Development Mutual Fund - HDMF)
  • Integrated Bar of the Philippines (IBP) ID
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Company IDs (issued by private entities or institutions registered, supervised or regulated by BSP, SEC or IC)
  • PRC (issued to Seafarers)/MARINA ID
  • Student’s ID

Please use Page 3 of your passport, the same page where your picture and signature are found.

Upon submission of all the requirements, your Basic Account should be active within three (3) banking days.

You’ll receive updates on the status of your account application via email and text message.

Your Basic Account is active as soon as you receive the welcome email.

Not yet. You will need to link your account to the BDO Pay app. Open the BDO Pay app:

  1. Enter the Online Banking username and password you set up during your application
  2. Enter the OTP received from your registered mobile number
  3. Choose your Basic Account as your default payment and receiving account 
  4. Start using BDO Pay

To learn how to get the most out of your Basic Account, check out our How-To playlist here

There are currently 3 ways to cash in to your Basic Account: through BDO Cash Deposit Machines, by sending money from other banks and mobile wallets or deposit over-the-counter.

Cash Deposit Machine

  1. Choose Cardless Transaction > Confirm > Deposit Cash > Savings
  2. Enter your account number, then insert your cash in the bin
  3. Double-check your transaction details and tap Confirm

Adding money through a Cash Deposit Machine is free. To locate the nearest Cash Deposit Machine, visit

Other banks and mobile wallets

  1. Choose to Transfer or Send to a BDO account
  2. Enter your BDO Pay Account details and the amount you want to transfer
  3. Confirm the transaction

You can find your account number in the encrypted PDF attached to your welcome email. You can also get the number by logging into your Online Banking account.

Please check the FAQs section of the source bank or mobile wallet to get the detailed steps for transferring or sending money to BDO. Service fees may apply.


You can also cash in to your account over-the-counter at any BDO Branch nationwide. 

Using a BDO Cash Deposit Machine to cash-in is free. Service fees may apply when using InstaPay to transfer money from another bank or mobile wallet.

There is no limit to your cash-in and account balance. Your transaction limits are also the same as other BDO Savings and Checking accounts.

No, a Basic Account requires no maintaining balance. However, if your account has been dormant and with a balance of ₱0, your account will become inactive after a year.

If your account has remaining balance, your account will remain open until you use it again or until you have it closed.

No, it does not. If you want to open a BDO account that earns interest, you can do it through this page.

There are many ways: 

  1. All the details of your Basic Account, including the account number, will be shown in the encrypted PDF attached to your welcome email.
  2. You can view your Basic Account number on the BDO Pay app, just tap your Basic Account card on the dashboard or got to Accounts, then tap you Basic Account. 
  3. You can also get the number by logging into your Online Banking account.
    • If you log in via browser, click on My Accounts > My Accounts.
    • If you log in via BDO Online app, just tap on your BDO Pay Account to view the whole account number.

Enjoy all the features of the BDO Pay app when you link your Basic Account!

  • Scan to Pay wherever there is an official merchant QR Ph code from other providers
  • Send Money
  • Pay Bills
  • Request Money
  • Split Bill

Yes, you can use your Basic Account to make cashless payments at official BDO Pay merchant partners, as well as in stores with official QR Ph codes from other providers (e.g. GCash, Maya). 

If you have a BDO Pay Card linked to your Basic Account, you can use it to pay in stores that accept BancNet debit cards.  

Yes. To deactivate your Basic Account, call the BDO Contact Center at  (+632) 8631-8000.

No, you can only have one Basic Account. If you want to open an additional BDO account, you can do it through

Yes! Once your Basic Account application has been approved, head over to your preferred BDO Branch. Make sure to bring a government-issued ID and get the card for only ₱150. 

Your Basic Account is neither Mastercard nor Visa. It is a virtual BDO Proprietary Card.

If you have a BDO Pay Card, you can withdraw at any BDO ATM for free. You can also withdraw from other banks’ ATMs, but service fees may apply.  

Another way is to Send Money to other banks and mobile wallets via InstaPay.

There is no way to reschedule an interview right now, but don’t worry, BDO will send you an email with details of a new schedule after you miss the original appointment.

Explore more