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Tell your loved ones in the Philippines to open a BDO Kabayan Savings

Having a BDO Kabayan Savings is the most convenient & safest way for beneficiaries to receive remittance! 


Overseas Filipinos may also open their own account prior to departure or when they go home for vacation.  


Here’s why you should choose BDO Kabayan Savings: 


- Only Php100 & 1 valid ID to open

- With ATM debit card & passbook

- Receive remittance in minutes!

- Zero maintaining balance with at least 1 remittance every 2 years*

- Get BDO Rewards points from your savings. 

- Free life & accident insurance for remitters. 


*Reminder:  If there’s no remittance within two (2) years, your BDO Kabayan Savings will automatically convert to a regular ATM savings with a maintaining balance requirement of PHP 2,000.


Minimum Initial Deposit
PHP 100
Minimum MADB* Requirement
Minimum Balance to Earn Interest PHP 5,000
Gross Interest Rate per Annum 0.1250%


Minimum Initial Deposit
USD 100
Minimum MADB* Requirement
Minimum Balance to Earn Interest USD 200
Gross Interest Rate per Annum 0.0500%

*Monthly Average Daily Balance


Here’s how to open a BDO Kabayan Savings:






NOTE: You may be asked to submit additional documents at the BDO branch after further evaluation.


Accepted Valid IDs



  • Passport (in case of foreign passport, must have English characters/translations and the holder must have a residence address in the Philippines)
  • Driver's License issued by the Land Transportation Office
  • Professional Regulations Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance with dry seal of PNP
  • Philippine Postal ID
  • Voter's ID
  • Barangay Certification with dry seal from the Barangay where it was issued
  • Government Service and Insurance System (GSIS) eCard
  • New Social Security System (SSS) ID
  • Senior Citizen ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • Overseas Filipino Workers (OFW) ID
  • 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 [HDMFI])



  • 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 the BSP, SEC, or IC
  • Green Card (issued by US Immigration and Naturalization Service)
  • Foreign IDs with picture (issued by the government of country of origin)
  • Locally issued credit cards (current with picture)
  • Firearms license with picture
  • Tax Identification Number (TIN) Card (card type with picture)
  • Investment ID Card signed by the Department of Foreign Affairs (DFA)
  • For students who are not yet of voting age - school ID duly signed by the principal/head of school together with the Registration Form for the current semester/school year
  • Unified Multi Purpose ID (UMID)
  • Any of the following for Minor/Students:
    ○ Child/student/minor's passport (original must be presented for verification)
    ○ School ID signed by the principal or head of school
    ○ Copy of Birth Certificate - either issued by Local Civil Registry or NSO
*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.