Security Management

Security Management - Frequently Asked Questions

 

Lock & Unlock Feature

We’ve released a new security feature that will allow you to lock your BDO Debit Card anytime, using your BDO Online or Mobile Banking Account.

 

What does it mean to “lock” my Debit Card?

Locking your card prevents your BDO Debit Card (including Kabayan Savings and Junior Savers) from being used for transactions at ATMs, physical card terminals (POS), and from making online purchases and payments. We have provided you this feature to give you better, and more accessible control over your BDO Debit Cards.

 

How do I lock/unlock my BDO Debit card?
Via BDO Online Banking:

  1. Log-in to your BDO Online Banking account
  2. Click on the New Security Feature button at the upper right portion of the home screen, you will be directed to the menu containing all your BDO Debit Cards and their current status
        - You can also access the page anytime through My Accounts > Lock My Debit Card
  3. Slide the toggle button of the card you wish to lock/unlock
  4. A one-time password (OTP) will be sent to your registered mobile number. Enter this into Online Banking to confirm the change.
  5. You will get immediate confirmation on your request

 

Click here to enroll to Online Banking

 

Via BDO Mobile Banking:

  1. Log-in to your BDO Mobile Banking account
  2. Click on the “more” menu to access Security Management
  3. Slide the toggle button of the card you wish to lock/unlock
  4. You will get immediate confirmation on your request

 

Click here to enroll to Mobile Banking

 

If I lock my card, can I still use my account for online, mobile and phone banking transactions with BDO?
You can continue to transact with BDO Online, Mobile, and Phone banking using your account. Locking your Debit Card will only prevent card-based transactions. Thus, you can continue to pay bills, send money, reload mobile phone and cash card, and perform other transactions via BDO Online, Mobile, Phone Banking.

 

Is there a limit on the number of times I can lock / unlock my Debit Cards?
No. You may lock / unlock your card anytime, anywhere, at your convenience.

 

Can I also lock/unlock my Credit Card and Cash Card using this new feature?
We are working on making this feature available for all BDO Cards, but as of this moment, lock/unlock is available to BDO Debit Cards only. 

 

 

 

Debit Card Control Settings (Overseas Activation and Change Limits)

 

Overseas Activation

 

BDO Debit Card has 2 new security features that will allow you to Enable/Disable Overseas Transactions and Change the Transaction Limits of your BDO Debit Card anytime through BDO Online Banking.

 

What is the “Overseas Activation” feature?

The Overseas Activation feature enables/disables the use of your BDO Debit Card for overseas transactions by clicking the switch found under More Options. It is the first entry labeled as “Transactions processed overseas”.

 

What Overseas Transactions are included upon enabling/disabling this feature?

Overseas Transactions included are ATM and Point-of-Sale (POS) transactions done overseas and Online transactions via websites and platforms that process payments outside the Philippines.

 

How do I enable/disable overseas transactions for my BDO Debit Card?

Via BDO Online Banking:

 

1. Log-in to your BDO Online Banking account.

2. Click the Card Security Management button at the upper right portion of the home screen or the Security Management option in the My Accounts menu. You will be directed to the menu containing all your enrolled BDO Debit Cards and their current status.

 

3. Click the More Options button for the BDO Debit Card Number and Account Number to be changed.

 

4. The More Options window will appear for your selected BDO Debit Card number. Click on the switch for the first entry labeled “Transactions processed overseas” to enable/disable overseas transactions.

 

5. Click Submit. You will be required to review the change/s made.

 

6. A One-Time Password (OTP) will be sent to your registered mobile number. Enter your OTP and click Submit to confirm the change.

                                

 

7. An acknowledgment page will appear to inform you that your request has been processed. An email confirmation will also be sent to your registered email address for every successful Debit Card Overseas Activation request made.

 

Click here to enroll to Online Banking.

 

 

Via BDO Mobile Banking App:

1. Log-in to your BDO Mobile Banking App using your BDO Online Banking user ID and password.

 

2. Upon logging in, click More at the lower right portion of the BDO Mobile Banking App and a menu will appear. Click on the Security Management option in the menu.

 

3. You will be directed to the menu containing all your enrolled BDO Debit Cards and their current status. Click on the Set Card Limits option to enable/disable Overseas transactions for your preferred BDO Debit Card. The Change Limits settings can also be found here.

 

4. The Overseas Status option will appear (along with the other Transaction Limits for ATM Withdrawal, No PIN Purchase and PIN-Based Purchase Limit). Click on the switch beside the Overseas Status option to enable/disable overseas transactions, then click on Save Changes to apply this change.

 

5. A pop-up screen will appear on your BDO Mobile Banking App to inform you that your Debit Card Overseas Activation request has been updated. An email confirmation will also be sent to your registered email address for every successful Debit Card Overseas Activation request made.

 

 

 

Change Limits

 

What does it mean to “Change the Limits” of my BDO Debit Card?

Changing the limits of your BDO Debit Card allows you to set your own maximum transaction limit using your card. You may change the daily limits for the following transactions:

  • ATM Withdrawal (and Fund Transfer Transactions) – cash withdrawal and fund transfer transaction from your account to other BDO accounts done via BDO ATM.
  • PIN Based Purchase – in-store purchases that require PIN to be keyed-in on the Point-of-Sale (POS) terminal.
  • No PIN Purchase – e-commerce or online purchases and in-store purchases that require the cardholder's signature on the charge slip.

 

Limits for every transaction can be set as follows:

PRE-DEFINED LIMITS (in PhP)**

ATM Withdrawal Limit

PIN Based Purchase Limit

No PIN Purchase Limit

 

0

0

0

25,000

25,000

25,000*

50,000*

50,000

50,000

75,000

75,000

75,000

100,000

100,000*

100,000

150,000

150,000

150,000

200,000

200,000

200,000

 

300,000

 

 

400,000

 

 

500,000

 

 

* Default values set in BDO Online Banking will be applied unless you change it to your preferred limit.

** Subject to change without notice. Visit bdo.com.ph for updates.

 

What are PRE-DEFINED LIMITS?

These are pre-set transaction limit amounts that you can choose from via a dropdown list.

 

What does DAILY LIMIT mean?

It is the maximum amount that can be used for a specific transaction type per day.

 

What happens after I set my limit?

The limit you set for your BDO Debit Card will automatically be updated real-time. You may transact (withdraw or purchase) until you reach your set limit, but the allowable transaction/s will still be dependent on your account's available balance.

 

Is my ATM limit separate from my Purchase limits?

Yes, but the ATM limit and Purchase limits you set will still be dependent on your account's available balance.  If you withdraw up to your daily ATM limit, you can still use your BDO Debit Card's remaining balance for PIN based or No PIN Purchases, and vice versa. But if your account does not have enough available balance, you will not be able to transact even if your daily transaction limit is higher. Available balance supersedes your daily limit.

 

Is there a limit on the number of times I can change the transaction limits of my BDO Debit Card?

No. You may change the transaction limits anytime and anywhere, at your convenience.

 

Is there an expiry date for the transaction limits I have set?

No. The transaction limit you have set will not expire.

 

What does changing the transaction limit for No PIN Purchase mean​?

The transaction limit set for No PIN Purchase will automatically correspond to your BDO Debit Card's signature purchase and e-commerce limit.

 

How do I change the limits of my BDO Debit Card?

Via BDO Online Banking:

  1. Log-in to your BDO Online Banking account.
  2. Click the Card Security Management button at the upper right portion of the home screen or the Security Management option in the My Accounts menu. You will be directed to the menu containing all your enrolled BDO Debit Cards and their current status.

     

  3. Click the More Options button for the BDO Debit Card Number and Account Number to be changed.


     

  4. The More Options window will appear for your preferred BDO Debit Card Number. Choose from the New Setting drop-down menu to change the limits for ATM Withdrawal Limit, PIN Based Purchase Limit, and No PIN Purchase Limit. Then click Save to apply all the changes.


     

  5. Click Submit. You will be required to review the changes made.


     

  6. A One-Time Password (OTP) will be sent to your registered mobile number. Enter your OTP and click Submit to confirm the change.

                                                         
     

  7. An acknowledgment page will appear to inform you that your request has been processed. An email confirmation will also be sent to your registered email address for every successful Debit Card Change Limit request made.

    Click here to enroll to Online 

 

 

Via BDO Mobile Banking App:

1. Log-in to your BDO Mobile Banking App using your BDO Online Banking user ID and password.

 

2. Upon logging in, click More at the lower right portion of the BDO Mobile Banking App and a menu will appear. Click on the Security Management option in the menu.

 

3. You will be directed to the menu containing all your enrolled BDO Debit Cards and their current status. Click on the Set Card Limits option to change the Transaction Limits of your preferred BDO Debit Card.

 

4. The Transaction Limits for ATM Withdrawal, No PIN Purchase and PIN-Based Purchase Limit will appear. Move the toggles to increase or decrease the Transaction Limits, then click on Save Changes to apply these changes.

 

5. A pop-up screen will appear on your BDO Mobile Banking App to inform you that your Debit Card Change Limit request has been updated. An email confirmation will also be sent to your registered email address for every successful Debit Card Change Limit request made.

 

PDIC Statement: Member: PDIC. Maximum Deposit Insurance for Each Depositor P500,000.