BDO Cash Card ATM Serious Defect

Abe Olandres April 4, 2007 · 2 min read

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A blog reader texted me this morning about an incident he had with his Banco de Oro ATM Card. He then pointed me to his blog where he recounted the incident:

ooops!
banco de oro’s (BDO) atm system lets
BDO cash card international cardholders
make balance inquiries and withdrawals
without the need for their personal identification number (PIN)!!!

*after inserting my card in a BDO atm machine
at Sotto St., Makati, to make a balance inquiry,
i mistakenly pressed the OK button before entering my PIN.
to my surprise, the machine took me to the selections menu
where i successfully made a balance inquiry and withdrawal !!!

this is a BIG concern for all such cardholders…
either the cards are defective
or bdo’s security measures aimed
at preventing fraud and theft
are flawed or have been breached.

bdo people! please look into this matter immediately!

*the anitokid asked four of his friends
to try their respective bdo cards
and all had the same results! tsk.

If you have a BDO card, do try it yourself and see if this also happens to you. The problem could be in their system ands not he cards. When it does, report it to their customer service asap.

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Abe Olandres

Editor-in-chief

Abe is the founder and Editor-in-Chief of YugaTech with over 20 years of experience in the technology industry. He is one of the pioneers of blogging in the country and considered by many as the Father of Tech Blogging in the Philippines. He is also a technology consultant, a tech columnist with several national publications, resource speaker and mentor/advisor to several start-up companies.

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200 Comments

Homer Y. Lariba · 17 years ago

I lost my money when I transact my Land Bank ATM at BDO ATMachine at BDO Cagayan de Oro, Divisoria branch last May 28, 2009 at about 4:00 PM. Can you help me get back my mone?. I’m Homer Y. Lariba with an LBP ATM Acct. No. 1246 0247 71

cvg-guy · 17 years ago

BDO… We Find Ways…

…yeah, they always find ways para lokohin ang mga depositors. since i got my ATM on February, 2008 for our payroll, i noticed that EVERY PAYDAY all of their ATMs are offline. so kami ng mga officemates ko kailangan pang magwithdraw sa ATM ng ibang bangko. buti nga sana kung ganun, pero kadalasan, yung buong network nila ang offline at kahit sa ibang ATM ka magwithdraw, hindi pa rin pwede…

hindi ko alam kung anong klaseng “style” ang ginagawa ng BDO na i-offline yung mga ATMs nila every payday. i would understand that there might be a system upgrade or glitch kung ilang beses lang nangyayari, pero PALAGI na eh…

sana ilipat na yung payroll namin sa BPI!!!

jake · 17 years ago

may cam ba ang bdo? please help.. thanks

mali · 17 years ago

Speaking of BDO.. have you guys heard about their newest selfish policy??? Men, you can only withdraw in the bank where you opened your account with..If you make over the counter withdrawal to other BDO branches they will charged you a 100php within the area code outside the area code is even more 200php…WHAT??? One of the most important things in choosing a bank is how many branches they have so you can have the convenience of withdrawing from any branch. However BDO is penalizing customer for the very thing they chose BDO for, which is having the convenience of using any branch. BDO shouldn’t be discouraging people from using different branches, they should be using the benefit of using different branches as a selling point.

mali · 17 years ago

Speaking of BDO.. have you guys heard about thier newest selfish policy??? Men, you can only withdraw in the bank where you opened your account with..If you make aver the counter withdrawal to other bdo branch they will charged you a 100php within the area code outside the area code is even more 200php…WHAT??? One of the most important things in choosing a bank is how many branches they have so you can have the convenience of withdrawing from any branch. However BDO is penalizing customer for the very thing they chose BDO for, which is having the convenience of using any branch. BDO shouldn’t be discouraging people from using different branches, they should be using the benefit of using different branches as a selling point.

kryptonite · 17 years ago

This sure is gonna be a long comment page. I have an acct with EPCI before and it was alright. But around the time that they changed to BDO, I completely lost the energy to continue banking with them. The conversion was tricky, online transactions were unreliable, … good thing i didnt lose any money on them yet.

NBI might not be a very bad idea, or imbestigador program kind of thing, perhaps? better get their acts together you know. and inform other people.

thanks!

catss · 17 years ago

Dont know who, where to ask for help. nakakabanas na talaga!!!! Can i seek help kya from NBI?

catss · 17 years ago

after reading all ds comments,i felt sorry for myself, coz up to now i didnt get my money back. i did use a BDO atm machine too, no cash dipsensed, no receipt came out.

BPI Forever – Anti-BDO · 17 years ago

BDO sucks! I dont like their way of banking and handling clients. My boyfriend has BDO account so I have to run errands for him at BDO. I hate falling in line to deposit then falling again in another line to withdraw.
BPI is much better. I can dpeosit in their ATM machine.
BPI is the best for me. I have checking account which they opened in less than two hours. I got my check book when i left their bank. I have savings account with them too. I love their atm which enables deposit. I dont like falling in a long line just to deposit.

crates · 17 years ago

really? naku, kaka-open ko pa naman ng atm account at bdo. ask ko pala, di ba yung account number yun din yung nakalagay sa receipt na binigay nila nung initial deposit? yun din kasi yung number na nag-appear dun sa confirmation letter they sent me days after i opened an account. metrobank kasi ako dati. ilang digits ba yung account number sa atm nila?
thanks so much.

doc · 17 years ago

^^^ I smell a multiple personality disorder hahahaha

deadghost15 · 17 years ago

Banco de Oro (BDO) was known to be the largest lender here in the Philippines but could you imagine a universal bank that sucks?!

BDO really sucks!! I got my worst experience when a bullshit ATM machine ate my P6K Cash Card account load … Until now the money was still not returned yet… I have called the toll free, the first time I called; an agent told me that processing will took 5 days of investigation and gave me a reference number. After 5days, I called to follow up my account; unfortunately, the agent told me that there’s no feedback yet and added 2 more days to wait. After 2 days, I called again but the agent told me to call back by tomorrow. Again I called, but same reason; the agent told me that there’s still no feedback. She told me to wait for an SMS that will be sent to me, but I haven’t received any SMS. Again I called, and the agent just repeats what has been the reason earlier. I feel so tired calling all over again and I can’t remember how many times I did just to get my money back. It’s almost one month already and BDO havenâ€™t returned my money yet. I donâ€™t know how and why it goes like this! To think, they got their system and they can easily track all transactions and I believe one day is just enough. All their branches were just like dummies! When you approach to them, theyâ€™ll just give a phone and let you talk to a call center agent! Very stupid! Could a call center agent fix this up and return the money on my account?! I feel like Iâ€™m bursting already while talking on the phone. Every word I hear was just the same. Where is reliability in their services? The agent also told me ones that the number of calls I made for follow up was part of the investigation. Does she mean it like a proof that I am really not just making a story? Oh câ€™mon! How I wish to have a gun and say, â€œCAN I SHOOT YOU MISS?â€

I have lost my patience already. They got plenty of alibis. They brought to much hassle in me and in my work. Do they want me to call every day?!! How could I? I have my work and I canâ€™t have time to call at their toll free every day. Iâ€™m not really happy with what BDO had done. I need my money backâ€¦ Iâ€™ve got several bills and rents to pay. I need to pay my boarding house and my internet bills. BDO is making a bad day for me… And yeahâ€¦ BDO is really the largest! The largest provider of INCONVENIENCE! It sucks!!

ang tagal nang investigation kahit may “HARD COPY” report sila sa mga hindi na-dispense withdrawals!! infact, 2days waiting would be enough but here I am, almost a month of waiting…
BDO WALANG KWENTA!!!

deadghost15 · 17 years ago

hi… i also got worst experience with BDO… I don’t like their services… I can say BDO is not reliable…

BDO>> CRAP · 17 years ago

guess what!!!!!!!!! BDO is a crap!!!!!!!!! if ever you are planning to make transaction with BDO, better yet make hesitation, or never ever do it for the rest of Ur life!!!!!!! there system is really been so DAMN!!!!!!!!!! BDO could never be trusted………. they possess these system which is not reliable…… how could they make those better ways they have said for all of their commercials?…… BOOOOOOOOHHHHH!!!!!!!!!!!!!!!!!!!!!!!

I have transaction with BDO over at their ATM machine, I am supposed to withdraw, my balance has been deducted, but my money didn\’t came out…… IS THAT WHAT THEY COULD CALL AS BETTER WAYS?………. SHUT UP!!!!!!!!!!!

5 DAYS INVESTIGATION IS WHAT THEY HAVE BEEN TELLING TO ME, TO DO THE INVESTIGATION AND GET THOSE FEEDBACK!!!!!!!!!!!!

THE LADY ON THE COUNTER, SAID YES IT IS TRUE THAT THE TRANSACTION HAS BEEN DONE BUT NO MONEY CAME OUT!!!!!!!!!

SO?… IT IS PROVEN,,,,, THAT I AM TELLING THE TRUTH!!!!!!!!

WHAT MAKES THOSE INVESTIGATION TOO LONG THEN?….

THE TELLER POSSESS THIS REASON:

\” WE HAD MADE THIS TRANSACTION TOO LONG TO MAKE SURE THAT u ARE MAKING UPDATES FROM TIME TO TIME, IN THIS WAY, WE COULD BE SURE THAT u ARE TELLING THE TRUTH MAM\”

whaT?…… IS THIS THERE ONLY WAY TO PROVE THAT i\’M TELLING THE TRUTH?…..

c\’MON……….

what they kept on telling me when I am calling them almost everyday?>???????????

\”WAIT!!!!!!!!!!!!!!!!!!!!

HOW LONG WOULD i WAIT?????????????

FOR MY ENTIRE LIFE?????????????????

BDO???????????????????? bANKRUPT DE ORO…………

FOR ALL OF YOU GUYS…………..

ALWAYS KEPT OUT TO BDO!!!!!!!!!!!!!!!!!!

UNTIL NOW I\’VE BEEN WAITING FOR MY MONEY………… ALMOST A MONTH!!!!!!!!!

Ciel · 17 years ago

guys, don’t panic. I think there is a revision about the steps in the atms. after entering menu and placing the amount, then pin code will be ask. :) hope this help and always be careful in handling your cards.

raven! · 18 years ago

honestly i dont like your system policy…. you ‘re a very selfish bank that I ever know….you dont have a good customer service and system management….I regrets to join in your your bank….. and now I know I would like to transfer my transaction to other friendly bank and have a good customer service ……How i wish your bank will be bankrupt which better for you bdo……I hope so….

bitch! · 18 years ago

bdo!!!!!!!!!????????????… damn ur bank.. they dont have a good cutomer service.. irresponsible employee… walang kwenta! i dont like there system! they dont inform us that they will close our account and to open new account! i think your a scam bank!! I havent receive yet the money and try to alibi bal bal bal…. the employees are ireesponsible they dont entertain us..!!!!!!!!!
im very disappoint with the bdo! sorry guys! u dont have a good service!!!!!!!!!!!!! i think i willtransfer to another bank!!!!!! 4 sure!!!!!!!! and peopel will know it!

Andre · 18 years ago

BDO sucks!
During pay day almost all of there ATM’s are offline, if online it could not disperse a cash. Anyone experience bad services from BDO?

ecs · 18 years ago

maybe because a cashcard’s process is different from that of an atm?

Joe · 18 years ago

maybe, you did not put a pin. It’s not possible dude. I tried it.

SanFrancisco · 18 years ago

It is impossible to walk rapidly and be unhappy.

princess · 18 years ago

FYI lang po…
Please check your money before you leave after you withdraw in a bdo machine kc baka punit n ito at di n rin nila i2 papalitan ng bago. So this is just a warning to you guys!!!

geraldine cunanan · 18 years ago

how will i get back my deit money from bdo atm machine in sm. sta rosa laguna May 01, 2008,. my card is remittance card from wells fargo,,, i used BDO atm machine service but unfortunately it was debited… pls do help me

geraldine cunanan · 18 years ago

will i get back my debit money from bdo? my remittance card is from Wells fargo, i used dbo atm machine service but it was debited.. how can i get it back?

withdrawer · 18 years ago

naka withdraw ako 58k using different atm cards from this machine!

ellahkoi · 18 years ago

how’s that?
well, i’ve already tried it
but i can’t do a transaction
without my pin.. hey, i’m not from bdo
by i do have a bdo cash card..
i registered a 6 digit pin
when i activated my card..
maybe you didn’t registered a 6 digit pin..
its different from your mpin,,

Ivan · 18 years ago

Perhaps the guy just got his card and it is his first time using the card, which would accept any PIN.

mamra · 19 years ago

letse ni BDO! cge lng unavailable, transaction cancelled…ako balance nakuhaan pa gyud ug 1K…letse talaga!!!!!

beeotch · 19 years ago

Knowing the ATM machine by heart, this will never happen on a properly programmed machine. But if does happen, its going to be limited to that machine alone.

eugene · 19 years ago

hey i seriously got scared coz our payroll is banco de oro… i went to the atm and used my bdo cash card and it asked for my atm pin. was not able to do even balance inq without my pin

DrEVL · 19 years ago

its a fricking cash card! its not supposed to have a PIN! Do you enter a PIN each time you pay a 50 peso bill to buy a pack of yosi?

marhgil · 19 years ago

Thanks for blogging about this. I just reported this to BDO via their e-banking service.

karla · 19 years ago

@jangelo,
monopolies suck :D

Ang-ang · 19 years ago

Sad to hear that is really alarming and freaky I guess swith to other backs is the only remedy I can say

JC John SESE Cuneta · 19 years ago

Edwin: “now all we need is malicious intent”

– lolerz… true true.

juantanamera: “It may be some flaw with the bdo-equitable merger, I think they are having an update on their ATM system, you see people can now w/draw from equitable w/ a bdo card and vice versa at no charge.”

– really? I should try that, withdraw to a BDO ATM with my Equi-PCI, thanks for the info!

Chino Yray: “I donâ€™t think Chinabank has the same defect. Well, I can only say that because nothing like that happened to me earlier this day on my ATM.”

– I agree. My girl tried it and Chinabank’s ATM is working abnormally, I mean normally.
– maybe BDO’s ATM problem is SOP :p (I know, a bad joke)

jangelo: “It’s going to be a monopoly!”

– Yes it will be. Experts are saying that once a complete merger of BDO and Equitable-PCI is done, they will overtake BPI and Metrobank by far. Some experts even say that it will take a BPI and Metrobank merger to take back the #1 spot – which no one of those interviewed believes it will happen (the BPI + Metrobank merger).

– The group said though that they will keep Chinabank and BDO separate, as BDO is under the SM Group while Chinabank is Henry Sy’s personal investment separate from SM.

– But imagine holding a BDO ATM or Equitable-PCI ATM, BDO is a member of both ExpressNet and Bancnet while Equitable-PCI is a member of both Bancnet and Megalink. :p

kid: “But theyâ€™re already in the process of merging, right? So that monopoly may actually come sooner than later.”

– Last I heard from the local news, BDO already hold 40% of Equi-PCI, and that BDO is trying to buy (and win) an additional 30-40%. The hardest part I was told is getting an approval from the BSP to get 100% of another bank, coz it must go through PSEi and SEC’s approval, since Equi-PCI is not going down at all, and it is larger than BDO.

– The day it materializes, it will be the first buyout of a bigger company (Equi-PCI) by a smaller company (BDO) :p which is not very common… What’s this… “Only in the Philippines”? hehe.. (are there other public buyouts of a bigger company by a smaller company?)

jangelo · 19 years ago

“But theyâ€™re already in the process of merging, right? So that monopoly may actually come sooner than later.”

Oh, yes. I do believe they already are. :)

Why make billions, when we can make millions? Muwahahahaha. – Dr. Evil

kid · 19 years ago

â€œBDO is gunning to buy Equitable-PCI Bank 100% to compete with Metrobank and BPI â€

But they’re already in the process of merging, right? So that monopoly may actually come sooner than later.

jangelo · 19 years ago

“BDO is gunning to buy Equitable-PCI Bank 100% to compete with Metrobank and BPI ”

BDO is gunning to buy Equitable-PCI so that all credit/debit card transactions in SM dep’t stores and SM malls (yes, even the locators/tenants) will go through them (most currently use Equitable to process card transactions). It’s going to be a monopoly! :)

Pay · 19 years ago

that’s too bad! let me try that later ;)

Chino Yray · 19 years ago

@JC
I don’t think Chinabank has the same defect. Well, I can only say that because nothing like that happened to me earlier this day on my ATM.

juantanamera · 19 years ago

It may be some flaw with the bdo-equitable merger, I think they are having an update on their ATM system, you see people can now w/draw from equitable w/ a bdo card and vice versa at no charge.

Edwin · 19 years ago

now all we need is malicious intent :D

Sonnie · 19 years ago

Guys have you tried to do transaction when you reached that menu? Because if you do, then either your card will be captured or ejected by the machine.

I am not from BDO, I just happened to have a BDO ATM Card and BDO Credit Card and transact with it most of the time.

L.A · 19 years ago

If thats true…thats a super major defect.

JC John SESE Cuneta · 19 years ago

Don’t forget, BDO is gunning to buy Equitable-PCI Bank 100% to compete with Metrobank and BPI ;)

Oh, and btw, can someone test if the same bug exists with Chinabank ATMs? BDO and Chinabank are owned by the same group, who knows, they’re also sharing technologies and tech people ;)