June 22, 2017

The New BDO EMV Debit Card

Just this week I received a text message from BDO Unibank, “Your BDO ATM Debit Card ending XXXX has been replaced with EMV card free of charge. Please pick up at (insert branch). Thank you”. 

I was surprised with the message because I did not request any card replacement so I check my ATM card and I noticed that my card was expiring this year so I thought that is the reason why they are replacing my card. 

I went to BDO to pick up my ATM, I was there before the branch open but the number I got is already #5. After several minutes, they called my number and I told them about the message that I received. They asked for my ATM card and they checked my record. 

I was advised that I need to update my record, the staff asked for 2 government IDs but I told her that I only have one. I was not informed that I need to update so I did not bring two IDs. But she told me to submit a copy of my second ID next time. So just in case, you received a message, just to be sure, bring two government IDs.

While filling out the form, I heard my seatmate asked the staff why they need to replace the ATM and the staff said, starting January daw pinapalitan na nila lahat ng ATM, yung with chip daw for added security. So that is the reason pala, hindi dahil mag-expire na yung ATM ko. 

It took me more than an hour just to pick-up my ATM but I was glad that I don’t need to wait anymore, the card was already there. And there is no fee to replace the ATM. 

I’ve read the information on the paper after I changed my pin number. The new BDO EMV Debit Card has an embedded chip for improved security. 

1. You can withdraw cash or pay bills with easy access to thousands of ATMs here and abroad. 
2. Shop, dine and gas up or do your groceries with ease. With just a tap, dip or swipe, you’re fully paid. 
3. For purchases below P2000, no need to swipe the card and key in your pin or sign. Just look for the contactless symbol and tap. 
4. Book a flight, a hotel room or even shop online with just a few clicks. Fast and simple.
5. Your BDO Debit Card is accepted worldwide.

I have another BDO ATM card from another branch and my ATM is not yet EMV card so I’m still waiting for a message. I’m not sure if I can just go to the branch and ask for a replacement. Baka may bayad pag nagrequest. Hehehe! How about you, have you changed your BDO ATM card? 

Update: October 2017

I received a message that my BDO EMV Debit Card is ready for pick-up. 

"Still not EMV? Avoid any inconvenience. Please pick up your BDO EMV Debit card at (insert branch)" now. 

I received another message that my ATM is ready for pick-up, kaso napaisip ako kasi wala naman ako account sa kanila. Then I remembered that I have an account on this branch before, pero 10 years ago na yun and closed na yun since nagresigned ako. hehehe!

I got my new ATM but they returned my old ATM, yung first experience ko ginupit na nila yung card and dinikit sa form but this time, binalik sa akin. They did not give me any instructions on how to change the pin and the information inside the envelope is incomplete "wala yung default pin". Good thing, fresh pa sa memory yung ginamit ko before. Anyway, just in case the branch did not give you any instructions on how to change the pin, check the steps below.

How to Change the Pin

1. At BDO ATM, insert the card.
2. Choose Other Services.
3. Choose Pin Change
4. Enter the default pin 123456
5. Input new 6 digit pin
6. Re-input the new 6 digit pin

* Note the card can be used 24hrs after activation. 

BDO Fees and Charges 

Maintaining Balance 

Passbook with ATM Account - P10,000 
ATM Account Only - P2000 
Optimum Savings Account - P30,000 
Kabayan Savings Account - No maintaining balance as long as with remittance direct from abroad at least once a year 
Junior Savers (0-12 yrs old) - P100 
Prime Savers (Senior Citizens) - P2000 
Dollar Savings Account - USD500 

Withdrawal Transactions (ATM Machines) 

BDO ATM Machines - No Charge 
Other ATM Machines 
P15 per transaction (Withdrawal transactions)
P2 per transaction (Balance Inquiry) 
Maximum Withdrawal per Day P50,000 (BDO ATM Machine Only) 
Maximum Withdrawal per Transaction - P10,000 

Dormancy Fee 

No transactions within 2 years and falling below ADB (Peso and Dollar) - No Charge
No transactions within 5 years and falling below ADB Peso - P30 per month Dollar - USD 0.60 per month 

Read: How to Open Savings Account in BDO
How to Enroll in BDO Online Banking
How to Enroll BDO ATM Online 


  1. Ako naman walang text. Kusa na akong nagpunta this week kasi nageerror na rin un card kapag nagwi-withdraw ako. Nagulat lang ako need i-surrender yung old atm card kaya 1 week ako hindi makakawithdraw via atm. Hehe.

    1. May ibang ATM machine nga daw na Di narerecognize yung walang chip na ATM kaya dapat palitan na daw. Ako din nashock na ginupit na agad ATM ko, good thing may card na agad at di na ko nagwait. Two weeks nga sinasabi nila sa mga wala pa ready na card. Nagbayad ka ba?

  2. The only BDO account I have so far is a Cash Card. I don't know if it also needs to be replaced. I haven't received any email from BDO yet.

    1. My husband has cash card too but we haven't received any message too.

  3. I'm glad banks are adding more security to their ATMs. The recent BDO and BPI fiasco made most of their clients worried. lol. I read about the different devices fraudsters use to get our info via the ATM and one of the comments said he has an app that turns on and turns off his ATM. So if he turns it off, no one else can withdraw it and he only turns it on when he needs to withdraw. I think that was really helpful, sana magkaganyan din dito sa Pinas.

    1. Yes, nakakaparanoid yung mga news na yan. So far, BPI has bank withdrawal notification. You can receive email or text if someone withdraws from your account. Pero maganda yang app na yan, sana meron na nga dito.

  4. As far as I know, all banks need to change all bank cards to a new card with EMV chip. This is a mandate by BSP. Mas protected ata the cards with EMV.

    1. I hope they will replaced all ATM cards, so far BDO pa lang ang napalitan ko na ATM.

  5. Pwedi po kayang ipa-change ung atm ko sa any bdo branch?

    1. Just visit your branch. My friend went to BDO and they replaced her ATM to EMV debit card without fee.

  6. nag balance inquiry sa BDO kahapon friend ko, unluckily, kinain atm nya. hindi rin masabi ng BDO branch why basta need daw i-replace atm nya kasi may scratch sa embedded chip. ha? added security but not convenient :(

    1. Aww, sad naman kung ichange agad ATM pag kinain.

  7. until when yung deadline? It is so time consuming kung sasadyain mo pa mismo magpapalit sa mismong branch kung saan ka nag open. Kaya hindi ko pa napapalitan yung akin. Sana wala pa naman deadline.

    1. So far, wala naman akong alam na deadline. But I noticed, they kept on sending message to pick up the ATM pag hindi agad nakuha.

  8. Paano ko iuupdate ung card ko if andito ako sa singapore..and until now wla p ko nahuhulog..someone please help me..ano b dapat gagawin ko..reply please..thanks a lot

    1. Contact BDO, they have email (check BDO website) and ask kung paano sa case mo na out of the country.

  9. Does it have mastercard/visa logo for online purchases? How much does it cost to get a debit card from BDO?

    1. Mastercard logo on ATM. I did not pay anything, they replaced my old card.

  10. I wonder paano naging mas secured ang card. Delikado manakaw. "For purchases below P2000, no need to swipe the card and key in your pin or sign. Just look for the contactless symbol and tap."

    1. I think, ito yung hawak mo ATM mo then itap lang. Pero scary nga kasi what if napulot yung ATM mo. Then maski sa credit card ngayon, may ibang malls and store na pag below 2K, hindi na nila pinapasign yung credit card slip.