New BDO Kabayan ATM Card for OFWs (with EMV chip 2018)


Banco de Oro (BDO) releases their new Kabayan ATM Card which is now integrated with EMV chip.

Using this new EMV-powered ATM Card, you can transact to any ATM with Europay, MasterCard or Visa logos.

Here’s the old and new BDO Kabayan Savings ATM card:

Banks standardized this EMV chip in order to unify all debit/credit cards with Europay, MasterCard and Visa affiliation. Thus, to save money from making individual cards for each type.

If you’re an OFW, BDO instructed you to¬† change your old Kabayan ATM card into the new one.

For OFWs in the Philippines:

Go to any BDO branch in the Philippines and request for a new Kabayan Savings ATM card (with EMV-chip) for FREE.

  • You can get this new card in an instant when it’s generic (with no name).
  • You also have the option to get a personalized new card (with your name on it) but it takes 3 days to process in Metro Manila and 7 days in other provinces. It’s also FREE.

For OFWs Abroad (Outside the Philippines):

You can get the new card through your Authorized Representative in the Philippines. He/she could be your family member. You will authorized him/her to get your new card in the BDO branch in the Philippines. Just take note of the following:

  • Fill-out a Letter of Authority (LOA). You can get this from your Authorized Representative or you can download it here: (BDO Letter of Authority)
  • Send these documents to your Authorized Representative in the Philippines:
  • Original or scanned copy of BDO Letter of Authority
  • Photocopy of your valid ID (government-issued)

Your Authorized Representative must also bring a valid id to the BDO branch. He/she can get the new card free of charge.

Do you have any concern with your BDO Kabayan Savings Account?


  1. Sir, may kabayan atm card ako nakuha ko siya last year mga month of june 2017? Meron na siyang chip. Kelangan ko pa bang palitan ang card kO?

  2. sir, my emv chip card na po ako.. pero ngtry po aq 1 time mgswipe and withdraw.. pero nde po ako mgkpgswipe at withdraw..bakit po kaya ganun?

    • Mam Gracia, una, tiyakin niyo po na yung ATM machine na itatransact mo ay may MasterCard logo, or Visa logo or Europay logo. At isa pa kelangan po muna ipa-activate yung ATM mo para magamit diyan abroad. Tumawag ka sa BDO Customer Service para ma-activate yung ATM mo.

  3. sir ask ko po nasa kingdom ako ngayon sa ibang branch ko nakuha kabayan card ko. Ngayon po meron na ako authorization letter ung downloaded galing sa bdo at iba need na requirements binigay ko sa representative ko pero sa branch po malapit sa amin papalitan. Bakit po need pa ng approval?

  4. hi gud evening sir.ask ko lng saan i sesend ung downloaded na authorization letter for emv card.nag open po kc ako sa bdo tuguegarao branch.tnx po

    • Diana, ipadala mo yan dun sa Authorized Representative mo. Pwedeng kamag-anak o pamilya mo dito sa Pinas. Sila ang magdadala ng Authorization Letter doon sa branch of account mo (which is BDO Tuguegarao Branch). Wag kalimutan magdala sila ng VALID ID.

  5. Hi Mam,

    Para saan ba yung MasterCard na logo? Para din bang credit card? Puwede ko bang gamitin itong ATM as Credit card kahit walang laman yung ATM ko?

    • Lenar, you cannot use your ATM Debit Card as a Credit Card. Hindi ibig sabihin na kapag may MasterCard logo ay credit card na. Pag walang laman ATM card mo, hindi mo talaga magagamit yan.


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