EMV Frequently Asked Questions

1.          What is EMV?

EMV stands for Europay MasterCard Visa. It is a global standard for card transactions using chip technology. The EMV chip card technology has enhanced security features, which include encryption locks and keys to authenticate the card and the cardholder's transactions, better protecting card data from being compromised.

 

2.          Why is there a shift to EMV?

This shift is a mandate from the BSP to all banks in the Philippines.

The regulatory requirement is a move by the banking industry towards a more effective way of significantly reducing counterfeit fraud, skimming and other related attacks which magnetic stripe payment cards are more vulnerable to.

 

3.          How do I get my new BDO EMV Debit Card?

For retail BDO Debit Card clients, you can pick-up your EMV Debit Card anytime at your branch of account. This card is personalized with your name. Please bring one (1) Original Philippine Government ID with photo and signature. All retail BDO Debit Cards without an EMV chip may no longer be used after January 31.

For Kabayan Savings account holders please wait for further updates.

For BDO Payroll account holders, deactivation of your non-EMV cards will start on March 1. Please coordinate with your HR for the distribution of your new BDO EMV Debit Cards.

 

4.          I am in the Philippines but I can’t pick up at my branch of account,

a.     Can I send a representative to claim my EMV Card at my branch of account?

For retail BDO Debit Card clients, you may send an authorized representative to claim your card at your branch of account. Please have them bring: (1) Original, signed and accomplished letter of authorization, available at any BDO branch, and can also be downloaded from the BDO Website through this link https://www.bdo.com.ph/sites/default/files/pdf/letter-of-instruction-atm-card-release-to-rep.pdf, (2) Copy of Philippine Government ID of account holder that shows photo and signature (3) Original Philippine Government ID of authorized representative who will pick-up the card.

b.     Can I claim my EMV card at any branch?

Your BDO EMV Debit Card is personalized with your name and can only be claimed at your branch of account. However, if you prefer to get an EMV Debit Card at a branch that is not your branch of account, you will be given an unnamed card that is not personalized with your name. To claim this unnamed card at any branch, please bring one Original Philippine Government ID with photo and signature to your preferred branch.

 

5.         I am outside the Philippines, but not a Kabayan Savings account holder, how can I claim my BDO EMV Debit Card?

For retail BDO Debit Card clients who are currently outside the Philippines, you may claim your card at your branch of account upon your return. If you prefer, you may also send an authorized representative to claim your card at your branch of account. Please have them bring: (1) Scanned copy of signed and accomplished letter of authorization, available at any BDO branch and can also be downloaded from the BDO Website through this link https://www.bdo.com.ph/sites/default/files/pdf/letter-of-instruction-atm-card-release-to-rep.pdf (2) Scanned copy of a Philippine Government ID of the account holder that shows photo and signature (3) Original Philippine Government ID of the authorized representative who will pick-up the card.

 

6.         Is the EMV card free of charge?

Yes, the EMV card that will replace your old, magstripe non-EMV card is free of charge. Succeeding card requests due to lost or damaged card will be charged a P150.00 replacement fee.

 

7.         What should I do after claiming my BDO EMV Debit Card?

To ensure your card safety, upon claiming, please immediately go to the nearest BDO ATM to nominate your new PIN. When at the ATM, simply follow these steps:

1.     Insert your card

2.     Select "Other Services"

3.     Select "PIN Change"

4.     Enter any 6-digit PIN (Personal Identification Number), e.g. 645372, 879224, etc.

5.     Enter your desired PIN

6.     Re-enter your desired PIN

7.     Wait for the message: "New PIN has been generated"

8.     Get the transaction receipt

 

8.         What should I do with my old non-EMV BDO Debit Card?

For retail BDO Debit Card clients, you will no longer be able to use your old non-EMV Debit Card once you have you have claimed your BDO EMV Debit Card. We recommend that for additional safety you cut your old card, especially the magstripe portion, before you dispose of this.