Frequently Asked Questions
Step 1: Check the nearest BDO Branch near you here.
Step 2: Bring one (1) valid ID and your Cash Card
Step 3: Our branch personnel will create a Basic Account for you and give you your new FREE BDO Pay Card.
Note: Cash Card will no longer be usable after it is surrendered. You will not be able to transact or receive money in this accoutn moving forward. Make sure you withdraw your remaining balance before surrendering the Cash Card. If you need help in withdrawing your balance, please ask your branch Servicing Officer for assistance.Â
- Passport (with English characters)
- Driver's License issued by LTO
- Professional Regulations Commission (PRC) ID
- Unified Multi-purpose ID (UMID)
- Social Security System (SSS) ID
- Philippine Identification System (PhilSys) ID
- School ID (for minors)
- NBI Clearance
- PNP Clearance with dry seal
- Philippine Postal ID
- Voter's ID
- Tax Identification Number (TIN) ID
- Barangay Certification with dry seal
- Government Service and Insurance System (GSIS) ID
- PhilHealth ID
- Senior Citizen ID
- Overseas Workers Welfare Administration (OWWA) ID
- Overseas Filipino Workers (OFW) ID
- Seaman's Book
- Government Office and GOCC ID (e.g. AFP, HDMF)
- Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
- Person with Disability (PWD) ID issued by National Council on Disability Affairs (NCDA)
- DSWD Certification
- Integrated Bar of the Philippines (IBP) ID
- Company IDs issued by private entities registered with or supervised or regulated either by BSP, SEC or IC
- Maritime Industry Authority (MARINA) ID
*One (1) valid ID is acceptable if the ID is a Passport, Driver’s License, PRC ID, UMID, SSS ID, PhilySys ID or School ID (for minors).
Otherwise, please prepare at least two (2) valid IDs from the list. The chosen ID must be original and within their period of validity.
You may be asked to submit additional documents in compliance with bank regulatory requirements
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We are moving to the BDO Pay Card so you can fully enjoy the features and benefits of BDO Pay. With the BDO Pay Card, you can withdraw for free from thousands of BDO ATMs nationwide, make convenient card payments in stores, and use the BDO Pay app for your mobile transactions.
Just like a BDO Cash Card, the BDO Pay Card lets you withdraw for free from any BDO ATM nationwide and allows you to make card payments in stores that accept BancNet debit cards. Â
The main difference is that the BDO Pay Card is connected to a Basic Account which you can link to the BDO Pay app. This app lets you Scan to Pay, Pay Bills, Send Money, Request Money, and more! Â
Only Retail Cash Card holders are eligible for a free BDO Pay Card. For Payroll Cash Card holders, please wait for your company HR to coordinate with you on the replacement of your Cash Card.Â
After March 31, 2025, you will no longer be able to access the funds and transact using your Cash Card. ​
You can only do Cash Card reloading over the counter in branches and ATMs until January 31, 2025.
You may withdraw the remaining balance via ATM or consume the balance through POS using the Cash Card only until March 31, 2025.Â
For Retail Cash Cards for replacement but with no existing balance, you may visit a BDO branch and bring a valid ID. Our branch personnel will be ready to assist in creating your Basic Account. Â
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For Retail Cash Cards for replacement but with existing balance (i.e. tagged/declared as Lost/Stolen card, Captured, Unauthorized, Damaged & Forgotten PIN), customers will no longer be issued a replacement Cash Card in the branch. Please withdraw/consume existing balance and avail of a BDO Pay Card before March 31, 2025.
- Cash-in to your Basic Account through cash deposit machines or via fund transfers.Â
- Pay in stores where BancNet cards are accepted and withdraw for free at thousands of BDO ATMs
- Link your Basic Account to the BDO Pay app so you can Scan to Pay in stores, Pay Bills, Send Money, Request Money, and more!
Once the branch links your BDO Pay Card to your Basic Account, it is ready to use.
A Basic Account is a type of BDO account which does not require initial deposit nor minimum maintaining balance. 
Once you have a Basic Account, you can link it to the BDO Pay app to enjoy the app's features. Learn more about Basic Account here.
Yes, just visit any branch and the branch personnel will assist you in creating your new Basic Account.
To sign up for BDO Pay and link your BDO Basic Account on the app, just follow these steps: 
- Download and open the BDO Pay app 
- Sign-up for BDO Online and enter your username and password
- Enter the OTP sent to your registered mobile number  
- Review and agree to the Terms & Conditions and Data Privacy Consent  
- Enable their biometric login option  
- Create a Passkey
- Choose your Basic Account as your default payment and receiving account
- Start using BDO Pay 
To learn how to get the most out of your Basic Account, check out our How-To playlist here.
Get up to P300 cash rewards when you sign up for BDO Pay
Retail
February 17, 2025 to March 17, 2025
Corporate
March 1, 2025 to April 30, 2025
- BDO Retail Cash Cardholders* who switched to BDO Basic Account / BDO Pay Card and have signed up to the BDO Pay app during the Promo Period.
- BDO Corporate Payroll Cardholders** who have already migrated to BDO Basic Account and have signed up to the BDO Pay app during the promo period.
*RETAIL CASH CARD – Refers to cash cards applied for at and issued by a BDO Branch. ​
**CORPORATE PAYROLL CASH CARD – Refers to cash cards issued to employees of companies who availed of the corporate cash cards for payroll disbursement and referred by BDO Transaction Banking Group
- This Promo is open to new BDO Pay users with the following qualifications:
- Must have an active Basic/Basic Plus Account, BDO Savings/Checking Account, or Kabayan Account​
- BDO Retail Cash Cardholders* who switched to BDO Pay Card and have signed up to the BDO Pay app during the Promo Period.​
- BDO Corporate Payroll Cardholders** who have already migrated to BDO Basic Account and have signed up to the BDO Pay app during the Promo Period.​
Qualified customers who participate in this Promo will receive P300 cash rewards after a successful BDO Pay sign up. ​
Qualified customers will receive the reward as a direct cash credit to their active BDO account. BDO has the option to award the cash reward to any of the BDO customer's active account. ​
Processing and crediting of the reward is within sixty (60) calendar days after the Promo Period. ​
BDO reserves the right to refuse the awarding of the reward to accounts that are proven to be invalid.​
A customer may qualify for only one (1) BDO Pay sign-up promo reward, regardless of how many eligible BDO accounts (Cash Card, Credit Card, Kabayan Account) they may have. ​
Once a reward has been granted for one promo, the customer will no longer be eligible to receive rewards from any other simultaneous or overlapping BDO Pay sign-up promo.​
BDO reserves the right to validate and determine the first qualifying promo application in case of disputes. ​
Promo eligibility and rewards are non-transferable and cannot be converted to other forms of prize. ​
The customer must notify BDO of any complaints regarding the Promo within sixty (60) calendar days after the end of the Promo Period. BDO’s decision on the complaint with concurrence of DTI-FTEB shall be considered final. For clarifications and complaints relative to this Promo, customers may get in touch with us through BDO Customer Contact Center (+632) 8888-0000. ​
Any reward credited to the qualified user shall be deemed final unless the customer notifies BDO of mistake in crediting, such as, but not limited to: incorrect cash reward credited or uncredited cash reward, within sixty (60) calendar days from the end of the Promo Period.​
Contact us
BDO Corporate Center:
7899 Makati Avenue Makati City 0726, Philippines Trunkline:Â (+632) 8840-7000
BDO Contact Center:
Hotline:Â (+632) 8888-0000
Outside Metro Manila
(PLDT/Globelines): #8888-0000
(For landline only, press # followed by 8888-0000)
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International Toll-Free:
This channel is dedicated to handling online banking enrollment and/or updating of registered online banking contact information of overseas clients. For phishing reports, please send the email to reportphish@bdo.com.ph.