How to Open a BDO Account Online (2026): Requirements and Step-by-Step

Table of Contents

• Introduction
• Purpose
• Best Results
• Example Use Cases
• Step-by-Step Tutorials
• Frequently Asked Questions
• Disclaimer

BDO Unibank, Inc. (BDO) is the largest bank in the Philippines, providing a vast network of branches and ATMs nationwide. Opening a BDO account is a foundational step for individuals and businesses looking to manage their finances, receive local or international remittances, and access a wide array of digital banking services. With the recent push towards digital transformation, BDO now offers both traditional branch-based applications and an Online Account Opening platform.

Purpose

The intent of this guide is to provide a clear and technical roadmap for prospective depositors. This documentation aims to:

• Simplify the document requirements for different account types.
• Compare the advantages of Digital vs. Over-the-Counter applications.
• Guide users on meeting the initial deposit and maintaining balance requirements.
• Ensure a successful KYC (Know Your Customer) process for account approval.

Best Results

To ensure your application is approved quickly and without repeated visits, follow these optimization tips:

• Prepare Two Valid IDs: While some accounts require only one, having two government-issued IDs (e.g., Passport, Driver's License, UMID) ensures no delays.
• Check Minimum Requirements: Different accounts (Kabayan vs. Regular Savings) have different maintaining balances. Choose the one that fits your monthly cash flow.
• Digital Appointment: If visiting a branch, use the BDO Online Appointment link to skip the long queues.
• Clear Photocopies: If applying in person, bring clear photocopies of your IDs to save time at the branch.

Example Use Cases

Depending on your needs, BDO offers various account types:

• Kabayan Savings: The best use case for OFWs and their beneficiaries to receive remittances with zero maintaining balance (if there is at least one remittance per year).
• ATM Debit Card Account: Ideal for daily transactions, cashless shopping, and online payments.
• Passbook Savings: Preferred by those who want a physical record of all their transactions for business or personal record-keeping.
• BDO Junior Savers: A great use case for teaching children (7-12 years old) the importance of saving.

Step-by-Step Tutorials

Method 1: Online Account Opening (Recommended)

1. Visit the BDO Official Website and navigate to the "Online Account Opening" section.
2. Fill out the digital application form with your personal information.
3. Upload a high-resolution photo of your valid ID and a digital signature.
4. Select your preferred branch for picking up your ATM card/Passbook.
5. Join the Zoom video call for the "Virtual KYC" interview when prompted by a BDO representative.

Method 2: Branch Walk-in

1. Bring your original IDs and the initial deposit amount (e.g., PHP 2,000 for standard savings).
2. Request an Account Opening form from the New Accounts personnel.
3. Complete the forms and submit your IDs for verification.
4. Pay the initial deposit at the teller once instructed.
5. Return after 3-5 banking days to collect your ATM card.

Frequently Asked Question

What is the maintaining balance for a BDO ATM account?

For a standard Peso Savings Account with an ATM card, the maintaining balance is typically PHP 2,000. For Passbook accounts, it is usually PHP 10,000.

Can I open an account with only one ID?

Yes, provided it is a "Primary ID" like a Philippine Passport, Driver's License, or the new PhilID (National ID).

How long does it take for the account to be active?

Online applications are usually processed within 1-3 banking days. For branch walk-ins, the account is often opened immediately, but the ATM card takes a few days to be printed.

Disclaimer

This guide is for informational purposes and is not an official BDO publication. Bank requirements, interest rates, and maintaining balances are subject to change by BDO management without prior notice. Always verify the latest requirements at the https://www.bdo.com.ph help center or at your nearest branch before proceeding with an application.