BDO ATM Debit Card (Mastercard) Review

Credit cards have never been my thing, given my impulses and my finances.

I’m not exactly the next Confessions of a Shopaholic’s Rebecca Bloomwood. I just want to think about huge purchases 10 times before I actually buy them. This no-credit-card lifestyle is a matter of mind over impulse.

While it is financially sound, in my case, to not have a credit card, it is becoming inconvenient for essential purchases.

All these time, I have paid for my online purchases through someone’s credit card and I just transfer my payments through the “Transfer to Anyone” function in BPI’s mobile app.

Since I left my job, whose payroll is with Bank of the Philippine Islands (BPI), my convenience
is now left at the mercy of BDO (Banco de Oro), which is my new payroll bank.



There are a lot of options for Prepaid Debit Cards. I chose BDO at the moment because BPI will take long (takes 5 banking days before you can get your card, with a processing fee of Php 500). Aside from that, some BDO branches are open during Saturdays and Sundays. That’s mighty convenient if you work during weekdays and would hate to spend lunch break for a trip to the bank.

BDO, on the other hand, allows us to get the card instantly by just opening an ATM savings account with the following provisions:
1) Bring two valid IDs.
2) Php 2000 maintaining balance

The process with the BDO ATM Debit Card (Mastercard) is the same as opening a regular ATM account. The application was fast and faultless. Should you want your name embossed on the card, you would have to endure the same waiting period as BPI. Since I don’t mind having the generic card, I opted for that which allows me to have it immediately. After activating my card, I applied for online banking and patiently waited for 24 hours.

For less than 24 hours, I could already see my BDOADC (Mastercard) through online banking and started to use it. And that’s where I discovered the glitch.



I wanted to book someone’s space in AirBNB with BDOADC(Mastercard) for a quick weekend get-away. Apparently, for those who are living in the Philippines, there are only two modes of payments for Airbnb:

1) Credit Card/Prepaid Debit Card (MasterCard, Visa, AmEx, Discover)

2) Paypal (I can access through the Mobile App of AirBNB)
So when I tried to pay directly using my card, I got this error:

The next step I tried was using PayPal as a mode of payment using BDOADC. The same thing happened – I cannot push through the transaction. I saw that Paypal attempted to confirm my account because I saw that they debited my account. But immediately, the amount debited by Paypal from my account was redeposited. That means BDO rejected the attempt.

After so many failed attempts, I called BDO’s Customer Service. After confirming my account details, they told me that they have a strict requirement for transactions. If the website does not pass the security standards imposed by BDO, they do not push through the prepaid debit transactions. I asked them if there was anything they could do, like unlock me for now or something, but it was negative.



So that means Airbnb is not safe enough? Even Paypal? Paypal accepts credit cards of BDO. Does that mean only the BDOADC have strict requirements? I find it a ridiculous analogy. They should protect credit cards than debit cards. After all, the amount charged in debit cards are often not as huge as a credit card’s credit limit, (for most).

Nevertheless, I find my BDOADC useless for now. I am withdrawing my money (at least for the Airbnb payment) and will be applying for the BPI ePrepaid Mastercard/Visa.

Let’s see how it goes.


Follow me!

Paula Lapizar

Chemical Engineer. Daughter. Sister. Lover. Tree-Hugger. Bargain Hunter
Follow me!
Like

Comments

comments

Paula Lapizar

Chemical Engineer. Daughter. Sister. Lover. Tree-Hugger. Bargain Hunter

16 thoughts on “BDO ATM Debit Card (Mastercard) Review

  • December 7, 2017 at 6:56 AM
    Permalink

    For me, they gave the normal one without the mastercard. I had to ask for another one..

    Reply
  • December 7, 2017 at 3:47 AM
    Permalink

    HI would like to ask about bdo, I open a savings account last week. Passbook/atm. I don’t know what card they will give since I have to wait 5days. Is it also a debit I can use online or just normal atm card that I can only widraw ?thanks

    Reply
  • November 27, 2017 at 1:20 PM
    Permalink

    Good day. I just want to ask if how can I know what they going to give me a ATM debit card because they said I just going to returned by friday. I just told them that I want to open an account I didn’t say that “ATM Debit Card” because I want my ATM card to be a ATM MasterCard debit card

    Reply
    • November 27, 2017 at 6:05 PM
      Permalink

      I think you have to specifically ask for the “Mastercard”. Otherwise, they will only give you the local debit card (based on experience).

      Reply
  • October 22, 2017 at 4:14 PM
    Permalink

    I heard you can link your BDO debit card with paypal now from the comment above. 🙂 But for me, credit cards are better because they keep your records and they handle your concerns better (maybe because it's the bank's money you are using so they pretty much care). lol. I'm not very active with this blog anymore because I'm writing theharmlessdragon.com now. Follow us there sometime. <3

    Reply
  • October 22, 2017 at 7:25 AM
    Permalink

    oh my… i was planning to get debit crd in bdo because i want to book also in airbnb. luckily i read this blog.. it really helps.

    Reply
  • August 8, 2017 at 11:00 PM
    Permalink

    Hi LePetiteEngineer! Thank you so much for sharing! I'd like to know more of this from you! What other blogs do you have for me to keep up with these? It seems you're no longer active on this one.

    Reply
  • April 22, 2017 at 12:52 AM
    Permalink

    Hi LePetiteEngineer,
    We have the same issue using BDO with airbnb. Yes BDO has useless excuse.

    I was able to book by my visa prepaid.
    BDO sucks big time!

    Reply
  • April 19, 2017 at 9:15 PM
    Permalink

    HI, I'm using my BDO debit card in my Paypal and it's working fine and fast.

    Reply
  • March 17, 2017 at 8:31 AM
    Permalink

    I meant the "real thrills" point system by BPI and the perks they give regular credit cards (e.g. jollibee meals for transactions > 3000) ☺

    Reply
  • March 16, 2017 at 10:28 PM
    Permalink

    Hi Lepetiteengineer what do you mean by "point system"

    Reply
  • March 2, 2017 at 10:02 PM
    Permalink

    Hi! Sorry for the late reply. 🙂 BPI is awesome. 🙂 But the thing is, they only record up to 5 transactions. I had a transaction that was debited multiple times and they said they could only retrieve the 5 latest transactions. what I did is, I ditched the BPI ePrepaid and switched to BPI's Express Start Program where you deposit a minimum of 10k and get 80-90% as your credit limit. It works as a credit card in terms of security and point system.

    Reply
  • March 2, 2017 at 10:02 PM
    Permalink

    Hi! Sorry for the late reply. 🙂 BPI is awesome. 🙂 But the thing is, they only record up to 5 transactions. I had a transaction that was debited multiple times and they said they could only retrieve the 5 latest transactions. what I did is, I ditched the BPI ePrepaid and switched to BPI's Express Start Program where you deposit a minimum of 10k and get 80-90% as your credit limit. It works as a credit card in terms of security and point system.

    Reply
  • November 29, 2016 at 11:54 AM
    Permalink

    Yeees pls give as your feedback/review of BPI ePrepaid Mastercard/Visa ?

    Reply
  • March 19, 2016 at 11:25 PM
    Permalink

    Hi there. I was planning to open a BDO savings account and I want the mastercard or visa ATM debit card. After reading your article, I was disappointed because I want to buy ebooks on amazon, but I doubt BDO let me use BDOADC for the mode of payment. Have you tried the BPI ePrepaid Mastercard/Visa na ba? How is it? Does it work on AirBNB and Paypal?

    Reply

Leave a Reply

error: Content is protected !!
%d bloggers like this: