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Can I renew or re-activate my closed bank account in BDO?

This scenario may apply to you: You may have an old BDO account (ATM or Passbook account) which didn't maintain the required minimum maintaining balance, then it got closed. You may ask if you could renew or reactivate that closed account. Does Banco de Oro (BDO) allow renewal or reactivation of closed accounts?

renew close bank account in BDO


As general information, please be informed that if the account is already closed in BDO, it can no longer be reactivated.  You have to open another account, where you will be given a new account number.

In opening a new account, here are some of our guides that you may find useful:
Since it's a new account application, you must bring the needed requirements during the application. Requirements are listed on the given articles/guides above. Read them if you want to know more about new account application.

  • To avoid account closure of your BDO account, you must transact (either deposit or withdraw) at least two times a year on your account and maintain the required maintaining balance. Inactive or dormant BDO accounts for two years will be charged a penalty or worst, BDO may closed those accounts.
  • To conveniently monitor your BDO account anytime and anywhere, it's recommended to enroll your account to BDO's online banking facility. This article may help you: "How to Apply for BDO Online Banking?"
  • It's better to maintain the required minimum maintaining balance (and earn interest) than paying the penalty of falling below maintaining balance.

Should you have further queries, please don't hesitate to post them in the comment below and we will be happy to assist you.
"Can I renew or re-activate my closed bank account in BDO?" was written by under the Banking category. It has been read times and generated 28 comments. The article was created on .
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Total comments: 28
28 Fatima Jean Palma   (15 March 2017 5:48 PM)
Someone send me a money on my account and soon I found out that it was already a close account. Canneeredeem the money over the counter?..or what is the best thing to do not to lost the money? I really need it..

27 Julie Ann Aguilar   (02 March 2017 9:25 AM)
Hi good day!

I would like to know what will happen to my regular savings account after it has been marked as inactive just recently? Last December 5, 2016, I withdrawed almost everything from my atm because of emergency purposes so it happened that it was already below the maintaining balance. I was not able to make any transactions (deposit/withdraw) after that. But then I tried to deposit an amount just last week however I found it already inactive. I'm aware of the 300pesos charge monthly for the succeeding months it has been below the maintaining balance. The thing is, will my savings account be closed permanently after 3 months (maybe this coming March 5, 2017)? I'm planning to deposit into that account by march 10 though.. What should I do?

P.S.: I'm also wondering how it has been marked as inactive even though it 's not yet been 3 months or a year has passed? And if I want to deposit directly into that "inactive" account from another bank, will it be possible? Will the money deposited? Please help!

26 Josiemarie estallo   (04 January 2017 10:55 PM)
I would like to re activate my account as i missed to deposit my savings from march 2015 and im not sure if i have maintaining balance. i received mail from electronic services that before feb 2017 i need to activate my account.. your assistance on my said problems are highly needed.
Thank u and awaiting for your swift response

25 Victoria Apostol   (12 December 2016 11:47 PM)
Hi, I transfer a small amount of money this 11 dec 16 to my friends acct for their xmas celebration and as a gift. It's just happen that the acct is already close since 31 oct 2016. But before that i still manage to transfer some amount last 15 oct 2016 and he still manage to withdraw it. 12 Dec 2016 my overseas bank confirms that the certain amt already transfer to the acct. How did it happen? I mean. The acct is already close and yet it was recieved the nxt day and credited to my friends acct? Pls do enlighten me as it doesn't make sense at all.

24 Frances Monis   (29 November 2016 6:17 PM)
It's been more than a year without any transaction with my kabayan savings account. Can I renew or reactivate my kabayan savings account even I am here in Saudi Arabia...?

Thank you..

23 Arby P. Hernandez   (16 November 2016 10:47 AM)
I am a seaman may kabayan saving was closed one month ago. And im still on board now. And I want to ask if the money that my company deposited in the bank is still deposited in my account even if its closed? If not, then can I still retrieve my money?

22 Noi Manlapaz   (26 October 2016 8:36 AM)
Hi, I would like to inquire about re activating my BDO savings account. I wasn't able to maintain the required amount for maintaining balance. Will there be a penalty or charge?

Thank you!

21 Chiela mae Castro   (25 October 2016 5:17 AM)
My card has been out of balance last month. But my boyfriend sent money to it. When i tried to balance inquire or withdraw, it says that my transaction is temporarily unavailable.

20 auralyn   (22 October 2016 1:49 PM)
Tanong ko lang po.ginamit ko po account number ay sa pinsan ko.pra makapagopen ako through online.at makapagenroll online banking.kanino po papasok deniposito ko na pera sa account po ba nya o sa akin salamat po

19 auralyn   (22 October 2016 1:44 PM)
Nagamit ko po yon acCount number ng pinsan ko dun po ba papasok yong deposit ko na pera?

18 auralyn   (22 October 2016 12:45 PM)
Hello good afternoon po nag-apply po ako sa online banking ginamit ko account number ay sa pinsan ko para makapg open ako ng account pwede po ba yon?

17 john   (07 October 2016 8:11 AM)
I withdraw all of my savings because of emergency, that was July 30, 2016, after a month, first week of September, September 2, 2016 I checked my account... its already closed, I called the BDO help center and they say they closed an account if, at the end of the month there is a zero balanced on it. What the hell, they did not even bother me to send an email, providing notice that my account will be closed. I have been with BDO for over 8 years, saving hundreds thousand of savings, and just a month of zero balanced they will closed it without notice... shi#**t!! I did not bother anymore to get another BDO account... spreading the words of this shi***T. F8*Ck you BDO.

16 lady lee quizon   (04 August 2016 3:03 PM)
hello good day! meron akong savings and checking account pero hindi ko na maintain yung required maintaining balance na 10,000 ng 2 months then nag deposite ako ng 5,000 para itry nung pag check ko ng account ko through mobile banking na apps lumabas na "This account is inactive" then nagpunta ako sa ATM machine para mag double check can't process na daw. please anong dapat kong gawin to active it again. Please help naman po.

15 gra   (28 July 2016 1:37 AM)
i opened my bdo online banking and it says my account is inactive. how can i activate it so i can utilize now my bank acct? thanks

14 Melanie Dalagan   (02 July 2016 5:01 PM)
My kabayan account is closed suddenly when I checked it but i deposit last January.The last time I used it is SEPT 2015....Please give an answer about this matter Im in Ksa saudi arabia.

13 Vance   (30 April 2016 8:58 PM)
I sent money to my bdo account from abroad..
My sister said that my acount is already closed..
What should she do to take the money?

12 Monica   (30 April 2016 9:44 AM)

Can you help me with my problem? I have this new kabayan account and I transfer money here using my other bank account but till now the money i have transfered still does not reflect in the balance of my kabayan account but it was already deducted to my other account.

11 Aljohan   (04 March 2016 8:36 PM)
My savings account is inactive for only 5 days, can I still deposit some money? Please reply asap. Thank you

10 Joy bernardo   (02 February 2016 6:11 PM)
i didnt monitor may account in bdo then last day i send money im here in abroad and they say its close how can i get may remaining investment in my closed account please reply

9 Ailene L. Corales   (20 December 2015 3:12 PM)
please need an answer

8 Ailene L. Corales   (20 December 2015 3:10 PM)
what is the best thing to do so we cant loose the money that is sent in my closed account

7 Ailene L. Corales   (20 December 2015 3:08 PM)
Someone send me money on my account and found out it was already close account..can I redeem the money over the counter?..or what is the best thing to do not to lost the money..I really need it..

6 admin   (09 December 2015 8:29 AM)
Yes joie.

5 girlie05   (17 August 2015 7:07 PM)
Hi. I have an account with BDO. It was active until April 2015, but i overused it until the balance reached 200 pesos. I was told when I opened it, that there was no maintaining balance since the I am an OFW, and my account was supposed to be a kind of promotional back then for OFWs.
I was trying to check my balance now online, but i cannot write the correct answer to my secret question. hence I was not able to even view my funds. My mom went to the bank this morning to deposit a checque in my account and they were saying there is a problem with my account. Could it be that they have already closed it?
My account is linked to another account, which is my daughter's account. The said account has enough funds on it, i think around 2000 pesos. The bank was saying they cannot tell the problem to my mom, and they will only discuss it with me. But I cannot go there personally and ask them because I am not in the Philippines right now, and I will probably go home by 2017.
Will there be any problem if I just let my account go like that? I mean I will not deposit anything on my account anymore. I will just let them close it.

Please advise,

3 admin   (02 August 2015 8:43 AM)
reynaldo, you can open a new account.

2 Michelle   (12 May 2015 1:07 PM)
I don't know if my account is still active. It was 2 years since my last transaction and didn't have any balance on that time. Do i have to pay the dormancy fee or its better to file a new account?

4 admin   (02 August 2015 8:44 AM)
Michelle, it's better to open a new account.

1 Michelle   (12 May 2015 1:04 PM)
I don't know if my account is still active. My last transaction was 2 years already. And i don't have a balance since then. Do i have to pay the dormancy fee if i will open a new acount?