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BDO Maintaining Balance Penalty

One of the largest banks in the Philippines, Banco de Oro (BDO) is running a lending business, a business that needs constant flow of money coming in. They're in the banking sector which needs a large amount of money deposited in order to sustain its lending business. This is where the penalty or service charge of falling below the maintaining balance is coming in.
You should regularly monitor your Banco de Oro (BDO) account and make sure you do not fall below its maintaining balance so that you can avoid its penalty or charge. Maintaining balance is computed by monthly average daily balance.

What is the penalty if your BDO account falls below its maintaining balance?

It depends on the type of your account. You should know the type of your account and its required maintaining balance.

Here's a complete list of types of BDO Accounts that has corresponding penalty or service charge if falling below its maintaining balance:

Type of AccountMinimum Maintaining BalanceService Charge for Falling Below Maintaining Balance
Peso Passbook Savings Account (with or without ATM)Php 5,000Php 300
Peso ATM (without passbook)Php 2,000Php 300
Optimum Peso Savings Account - PersonalPhp 30,000Php 300
Optimum Peso Savings Account - CorporatePhp 50,000Php 300
Junior Savers ClubPhp 100Php 300
Club 60 PesoPhp 5,000Php 300
Direct Deposit Peso Savings AccountPhp 0 (no maintaining balance)none
Power Teens ClubPhp 2,000Php 300
Peso Checking AccountPhp 5,000Php 300
Smart Checking Account - PersonalPhp 15,000Php 300
Smart Checking Account - commercialPhp 25,000Php 300
Automatic Transfer Facility - PersonalPhp 25,000Php 300
Automatic Transfer Facility - CommercialPhp 50,000Php 300
Dollar Savings AccountUSD 200USD 5
Club 60 DollarUSD 200USD 5
Direct Deposit Dollar Savings AccountUSD0.00none
Euro Savings AccountEUR 500EUR 5
Yen Savings AccountJPY 50,000JPY 500
GBP Savings AccountGBP 200GBP 1
Canadian Dollar Savings AccountCAD 1,000CAD 5
Hongkong Dollar Savings AccountHKD 500HKD 5
Australian Dollar Savings AccountAUD 200AUD 5
Singapore Dollar Savings AccountSGD 200SGD 5
Chinese Yuan Savings AccountCNY 2,500CNY 30

Did you experience being penalized or charged for falling below maintaining balance in BDO? Tell us in the comment below.

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"BDO Maintaining Balance Penalty" was written by under the Banking category. It has been read 64258 times and generated 73 comments. The article was created on and updated on 14 November 2012 .
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Total comments : 73
pre   (05 February 2018 9:32 AM)
Ask k lang po sana.. Confused kasi ako.. Kakaopn k lng ng junior savers account para sa baby ko. Gusto k lang malamn ifpwede k bng i withdraw ung money from the passbok.. Besidw sa name ng baby pangalan k dn kasi nklagay sa passbook niya? Slamat po sa sasagot

Che   (04 February 2018 9:21 AM)
Now ko lang na notice yang service charge na Php300. At pansin ko, one time na chinarge ng BDO for Nov, Dec 2017 and Jan 2018. 6 yrs na ako sa kanila, at hndi bumababa sa maintaining balance ang nasa account. In-email ko sila with screen shots ng online banking account ko. Ngayon lang sila nag ganyan. Ano sasabihin nila, tumaas na ang maintaning balance? Sana nagbibigay sila ng notice di ba. Haaay BDO, PhP900 ang binawas niyo sa account ko. Hindi napupulot yan sa kalsada. Nakaka lungkot

Bella   (27 November 2017 6:46 PM)
Nung nag open ng account ko sa BDO sabi 5000 lng maintaining balance ko tapos nagulat ako 7 months na pala sila ng charge sa akin ng 300 pesos, nagtaning ako kanina sa teller bakit ganun , sagot niya sa akin 2014 dw since ng start mg change yung mantaining balance ko ng 10,000 peso, wla mn lng notice? Ganun agad?

anne   (02 August 2017 3:47 PM)
bakit ako nagkapenalty e ang account ko e peso passbook savings at balance ko 8000 pa. 5000 lang ang maintaining

Jenrae M. Tayag   (01 August 2017 12:49 PM)
Hi, i still didn't maintain my balance in 2 consecutive months. Will my account be deducted 300 pesos every month even though i maintain my balance?

Princess Aira B. Dela Cruz   (28 July 2017 12:01 PM)
Good day mam/sir,
I have a 2000 pesos minimum balance in my atm debit card but last few months i withdraw it all,what will happen to my account?hoping you answer Thank you!!

AMIEL IAN DOMINGO   (02 July 2017 9:25 AM)
hi i wonder why i was deducted 300? but i dont have nothing to maintain in my account. please help . thank you.

Fidelberto ocio   (14 June 2017 3:47 AM)
Opo ,kung ang maintaining balance ay bawas na at naubos sa pagkaltas ng penalty magkano naman kaya ang buwanang penalty nito?

Luis S. Dantis   (03 June 2017 7:24 AM)
Good morning!Bakit po nagkaltas ng 300 ang bank,nag maintain naman ako monthly ng maintaining balance ko.May cut off po ba para i maintain ang balance?Please Reply,thankyou!

MERRY JOY INSULAR   (10 May 2017 4:16 PM)
Gud day mam/sir,
I have a 2000 pesos minimum balance in my atm debit card but last year i withdraw it all,what will happen to my account?hoping you answer Thank you!!

Read more: http://www.affordablecebu.com/load/banking/bdo_maintaining_balance_penalty/13-1-0-6812#ixzz4gfL3Imbd

Jordan   (20 April 2017 11:54 PM)
Tanong ko lang po kung kailan ba yung BDO nag co-compute ng peso atm account(without passbook).. halimbawa may 2000 ako sa account ko tapos nag withdraw ako bukas ng 2000 kailan ako makakakuha ng penalty?

Geoffrey Jameson R. Bitong   (10 April 2017 6:41 AM)
gud am.mgkano penalty KO if ever mabawasan KO did holywik ung below DA maintaining balance.ibalik KO dn agd

Rochelle V. RApsing   (29 March 2017 2:33 PM)
Good Day!

Tanong ko lang po kung kilan ba yung BDO nag co-compute ng penalty sa passbook account, kasi po twice na akong na penalty ng 300 pesos. I just want to know kung kailan para at least makapag deposit na ako agad before yung cut-off nyu to avoid penalty and charges.

Hoping for your answer.

Thank you.

Roldan   (19 March 2017 10:07 PM)
Gud day mam/sir,
I have a 2000 pesos minimum balance in my atm debit card but last year i withdraw it all,what will happen to my account?hoping you answer Thank you

Roldan   (19 March 2017 10:05 PM)
Gud day mam/sir,
I have a 2000 pesos minimum balance in my atm debit card but last year i withdraw it all,what will happen to my account?hoping you answer Thank you!!

Roldan   (19 March 2017 9:57 PM)
Hello Good Day
Can i ask pag na zero na ba maintining balance 300 po ba charge?? At hindi na ba tutubo yan habang di ko pa na dedepositan ulit??

Thank you po sa Sagot

alex   (21 February 2017 7:40 PM)

Can i get the total remaining balance, minimum or in below minimum when i decided to permanently close the account?

Thank You,

krisellcadalin   (29 November 2016 7:31 PM)
hi.. if nabawasan po ng 2thousand ang bdo savings ko na 10,000 maintaining. how. much po penalty? every day po ba charge non?? pls reply..

kathrina benavidez   (17 October 2016 5:28 PM)
is the penalty of falling below the maintaining balance is penalized daily or counted as 300 pesos daily?
if not how comes that when my account falls in 500 pesos remaining and when i deposited 2000 after 5 days, i checked my account but it was only 920.36 pesos remaining instead of 2200 if we're going to deduct the 300 penalty. Can you explain this.

Beatriz llamas   (17 October 2016 2:02 PM)
Hi, if i fall from my mainataining balance for only a week, will it still be deducted the 300 peso penalty? Even if i deposit again and complete the maintaing balance of 10000 before the end of the month

Jhulz   (03 September 2016 5:58 PM)
Gud day mam/sir,
I have a 2000 pesos minimum balance in my atm debit card but last year i withdraw it all,what will happen to my account?hoping your kindly answer.thanks!

Rolly T. Baroy   (01 September 2016 9:14 AM)

Good Day BDO!

May I ask if how much is the initial deposit and the maintaining balance of ATM account (Savings)...

Thank you very much please send the answer to my email....

Sincerely yours,

Dr. Rolly T. Baroy

Jamie alversado   (30 July 2016 1:46 PM)
Mine has more than 5k balance how come i still got charge 300 php?

Melanie Church   (11 June 2016 12:27 PM)
Hi there,

BDO Kabayan Savings Account is not in the list. I have one, and I got 3 charges of 300 php for 3 consecutive months. Kabayan Savings has no maintaining balance, how come??


Cybel Carlos Caballero   (08 June 2016 5:36 PM)
I'm really confused wether the savings account without passbook which is an Atm is already a mastercard or visa card? I'm really confused on how to avail a visa or mastercard? could someone please explain it to me? Thanks in advance!

Melanie guidote   (18 March 2016 11:28 AM)
Good day, my mother receive a letter from your office about my account there I have checking account in bdo Timog and the balance is 500 but charge of 300 I don't know how to close my account because I'm already live here in USA thank you Melanie Guidote

Kim   (04 March 2016 2:36 PM)
Good afternoon.

My mom has a BDO Peso Saving Account but it wasn't used for almost 4 years, on her last transaction it was shown that she still have P30,000 deposited in her account. Is there any possibility that the money is still withdrawable? And also, she has a ATM card. Is this still activated evn it wasn't used for 4 years? Hoping for your reply! Thank you.

Gerson V. Lorenzana   (23 February 2016 8:40 AM)
will my atm debit card be deactivated if i fall below its minimum maintaining balance?

Angelo L. Colmenares Jr   (31 January 2016 9:24 PM)

I am holding peso savings account with passbook my balance is above minimum already but everytym i send money in my account there is a 300pesos service charge generating system, I am just curios why like this because before no any deduction happening.

pls reply for further clarification

thank you

Rise   (21 January 2016 3:19 PM)
My acct. is optimum savings acct. passbook only. Is there deduction of 300 if i will withdraw below my maintaining balance today but i will deposit the same amount after a month?

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