BDO Unibank is one of the leading, trusted universal banks nationwide. Offering a wide range of corporate, commercial, and retail banking services, they have been continuously innovating to provide you efficient and reliable services for your banking needs.

From cash management, credit card services, insurance, leasing and finance, loan and deposit products, remittance, retail banking, private banking, and trust banking – BDO Unibank has earned a reputable reputation as a full service universal bank.

All the more, BDO has emerged to be one of the banks with the largest distribution networks. It now has opening branches and 2,542 ATMs making it easily accessible. It even has a branch in Hongkong and 29 overseas remittance and representative offices across Asia, Europe, Middle East, and North America.

That is why, without a doubt, when you think of a bank which you know can secure your hard-earned money and is accessible almost anywhere you go, BDO is one of the top choices.


Now, if you are considering to apply for a BDO account, this article is for you. Here, we provide every essential information you need to know about BDO including the initial deposit amount needed to open an account, daily maximum and minimum withdrawal limit for a peso savings account and also savings account in international currencies.

These include Dollar, Euro, Yuan, Yen, and a lot more. We also provide here the deposit and withdrawal limit for cash cards, as well as ATM charges. So, as a reference, we have made this table for you. We hope this would help.

Type of AccountMinimum Initial DepositMinimum

Withdrawal Limit

Maximum Withdrawal Limit
Peso Savings (Debit Card)
a. Passbook Savings
b. ATM savings
c. Junior Savers
d. Prime Savers
e. Optimum Savings
5,000.00 php
2,000.00 php
100.00 php
2,000.00 php
30,000.00 php
200.00 php per single transaction
(you are allowed to transact and withdraw up to 5 times per day)
50,000.00 php per day,
10,000.00 php per single transaction
International Savings
a. Australian Dollar Savings
b. Canadian Dollar Savings
c. Chinese Yuan Savings
d. Euro Savings
e. GBP Savings
f.  Hongkong Dollar
g. Singapore Savings
h. US Dollar Savings
i. Yen Savings
AUD 200.00
CAD 1,000.00
CNY 2,500.00
EUR 500.00
GBP 200.00
HKD 500.00
SGD 200.00
US 200.00
JPY 50,000.00
Cash Cardna200.00 php50,000.00 php per day,
25,000.00 php per transaction

So, based on this table, for a Peso savings account, the minimum initial deposit is different for each type. But with regard to the minimum withdrawal limit per day, each type of savings account has one and the same amount.  You can withdraw a minimum of 200 pesos on your BDO ATM. This is the same for cash cards.

On the other hand, the maximum withdrawal limit per day is also the same for each type of Peso savings account. You can withdraw a maximum of 50,000.00 php per day. And for every single withdrawal transaction, you are allowed to withdraw a maximum of 10,000 php. So, if you want to withdraw 50,000php in a single day, you would have to make 5 different transactions.  The same is true for cash cards. However, less is known about the limit for International atm. Now if you ever wish to know, it is advisable that you inquire on the customer service of BDO, either via e-mail or on any other branches near you. Rest assured that you’ll be given prompt assistance.

And lastly, if you are wondering about the ATM charge, here’s the data:

BDO ATM Inquiry and WithdrawalFree
Withdrawal Transaction at BancNet ATMs11 php
Balance Inquiry at BancNet ATMs2 php
Withdrawal at MasterCard, Cirrus and Visa Plus ATMsUS$ 3.50

By the way, opening a BDO account would cost you no other charges. You just have to deposit the initial deposit amount needed for you to be able to open one. Now, if you opt to withdraw and inquire at a BDO ATM, it is for free.

But if the withdrawal transaction is done at BancNet ATMs, the charge is 11 php, while the balance inquiry is worth 2php. However, if you withdraw at MasterCard, Cirrus and Visa Plus ATMs it would cost you US$ 3.50.

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