Yes, you can open a BDO account online, but only for certain account types
BDO (Banco de Oro) allows you to open a savings account online through their website or mobile app without visiting a branch. The process takes about 10 to 15 minutes and you can start using your account the same day. However, not all account types are available online — some require a branch visit, and a few require a minimum opening deposit that varies by account tier.
The accounts you can open online are BDO Savings Account (regular), BDO Kabayan Savings Account (for overseas Filipino workers), and BDO Installment Savings Account. You cannot open a checking account, business account, or time deposit online; those require a branch appointment or walk-in visit.
Key Takeaways
- BDO online account opening works through their website or the BDO Mobile app and takes 10 to 15 minutes from start to finish.
- You need a valid government-issued ID (passport, driver's license, or national ID), a selfie, and proof of address to complete the online process.
- Your account is active immediately after approval, but you cannot withdraw or transfer money until you set a PIN at an ATM or through the app.
- Minimum opening deposit ranges from PHP 100 to PHP 10,000 depending on the account type, and you can fund it online using a credit card, debit card, or bank transfer.
- If you do not complete verification within 30 days, your account application expires and you must start over.
What documents and information you need before you start
Gather these items before opening your browser or app: a valid government-issued ID (Philippine passport, driver's license, national ID, or PRC professional license), a clear photo of both sides of that ID, a recent selfie of your face, and proof of your current address. Proof of address can be a utility bill, bank statement, or government-issued document dated within the last three months and showing your name and address.
You also need a mobile phone number and email address that you actively use. BDO will send verification codes to both during the account opening process. If you are opening a Kabayan account as an OFW, you will need to provide your overseas employment contract or work visa as additional proof.
Step-by-step process for opening your account online
Go to the BDO website (bdo.com.ph) or download the BDO Mobile app from Google Play or the Apple App Store. Tap "Open an Account" or "New Customer" and select the account type you want. The app will ask you to take a photo of your ID (front and back) and a selfie. Make sure the lighting is clear and your face and ID are fully visible in the frame.
Enter your personal information: full name, date of birth, nationality, civil status, occupation, and monthly income. Provide your mobile number and email address. Upload your proof of address. Review the terms and conditions, then submit. BDO will send a verification code to your phone and email — enter both codes to confirm your identity.
Once verified, you will see your new account number and temporary card details on screen. Your account is now active. However, you cannot withdraw cash or make transfers until you create a PIN. Visit any BDO ATM, insert your temporary card, and follow the prompts to set a four-digit PIN. Alternatively, you can set your PIN through the BDO Mobile app if you have already linked your account.
Minimum deposit requirements and how to fund your new account
The minimum opening deposit depends on which account you choose. BDO Savings Account requires PHP 100 minimum. BDO Installment Savings Account also requires PHP 100. BDO Kabayan Savings Account (for OFWs) requires PHP 1,000. Some promotional offers may waive the minimum temporarily, so check the app or website for current terms.
You can fund your account immediately using a credit card, debit card from another bank, or a bank transfer from an existing account you own. The app will show you a payment link after you submit your application. If you pay by card, the deposit posts within minutes. If you transfer from another bank, it may take one to two business days depending on the sending bank.
Timeline from application to first withdrawal
Your account opens and is usable the same day you submit your application, assuming BDO approves it within a few hours. Most approvals happen within 24 hours. However, you cannot withdraw cash or send money until you set your PIN at an ATM or through the app, which you can do immediately after approval.
If BDO needs additional information to verify your identity — for example, if your ID photo is unclear or your address proof is expired — they will email or text you within one business day. You then have 30 days to provide the missing documents. If you do not respond within 30 days, your application is cancelled and you must start the process again.
What happens if your online application is rejected
BDO will reject your application if your ID is expired, your proof of address is older than three months, your selfie does not clearly show your face, or your personal information does not match your ID. You will receive an email explaining the reason. You can reapply immediately by starting a new application and providing corrected documents.
If you are rejected twice, contact BDO customer service at 1-800-631-8000 (toll-free) or visit a branch in person. A branch officer can review your documents and may be able to open your account manually. Bring original copies of your ID and proof of address.
Limits on transfers and withdrawals for new online accounts
BDO imposes temporary daily limits on new accounts opened online. For the first 30 days, you can withdraw up to PHP 50,000 per day at ATMs and transfer up to PHP 100,000 per day to other accounts. After 30 days of normal activity, these limits usually increase. Limits vary slightly depending on account type and whether you have completed additional verification steps.
These limits exist to prevent fraud. If you need to transfer or withdraw more than the daily limit, you can request a temporary increase through the BDO Mobile app or by calling customer service. Approval usually takes one business day.
Frequently Asked Questions
Can I open a BDO account online if I don't have a Philippine address?
No. BDO requires proof of a current Philippine address to open an account online. If you are an overseas Filipino worker, you can open a BDO Kabayan account online, but you still need a Philippine address on file. If you do not have one, you must visit a BDO branch in person or ask a family member to provide their address as your mailing address.
What if my ID is expired?
BDO will reject your application if your ID is expired. You must renew your ID first, then reapply. If you are waiting for a renewal, you can visit a BDO branch in person with your expired ID and a letter from the issuing agency showing your renewal is in progress.
How long does it take to receive a physical debit card?
BDO will mail your physical debit card within 5 to 7 business days of account approval. You can use your temporary card details to withdraw cash and make purchases online immediately. Track your card shipment through the BDO Mobile app or by calling customer service.
Can I open a business account online?
No. BDO business accounts require a branch visit. You will need to bring your business registration documents, tax identification number (TIN), and proof of business address. Schedule an appointment through the BDO website or call your nearest branch directly.
What if I forget my PIN before I set it?
If you have not yet set your PIN at an ATM or through the app, your account has no PIN. Simply visit any BDO ATM, insert your temporary card, and create a PIN when prompted. If you have already set a PIN and forgotten it, call BDO customer service at 1-800-631-8000 to reset it, or visit a branch with your ID.