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BDO Cash Card ATM Serious Defect

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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Avatar for Abe Olandres

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.

100 Responses

  1. Avatar for dagul dagul says:

    Hi All,

    Just to give you an update. I was happy that my money went back… thank God! after a motnh and a half, finally i got my money back! even though i dont have the transaction receipt, someone helped me to process my complain.

    according to the letter that they sent to me, they not claming “Hindi daw nila fault yun at walang system error na nakita during that time. They also claimed that the money was dispense successfully…” pero in good will daw, ibabablik nila. they see me na mejo eager ako at sobrang consistent e, ibabalik daw nila…

    hayyyyyy,,,, after a long days… i learned so may things….

    kaya kayo guys, be extra carefull…
    kung maari, sa bank nyo na kayo mag widraw…

  2. Avatar for jun jun says:

    sigi mag file ka ng complaint para matigil nayang pag nanakaw ng BDO na yan. kasi ako din nawalan ng pera.

  3. Avatar for meg meg says:

    @dagul I have the same experience with BDO SM Molino, using my hubby’s Maybank account I withdraw 5k no cash, nor receipt was dispensed byt the machine, transaction cancelled so i moved to another BDO atm and its say transaction processed yet no money and receipt was dispensed as well. I stood there long enough and even tried my other ATM card on the next machine pero wala talagang money. The next to my surprise 5k was deducted I immediately went to BDO SM Molino and they advised me to contact Maybank customer service so I did, pero ngayon Maybank is telling me that BDO apparently dont find any record of debited fund in my account. Im giving them until Thursday otherwise if they insist na walang missing fund i’ll file a complaint or sa media perhaps.

    • Avatar for Ohmar Ohmar says:

      Mam nagdepo aq ng 6000sa atm machine pero ang kinuha ng machine is 4000 lng.ibinalik nia ung 2000.walang receipt na lumabas pro nong nag bal. Aq walang 4000 na pumasok sa account.ko. plsss anong gagawin q.atm Resorts world manila bdo

  4. Avatar for pia pia says:

    ask ko lang po kung ganito din sa debit card nila???
    kasi i opened an atm saving account, and they gave me an atm debit card T_T
    please help!!!!

  5. Avatar for josie josie says:

    ay naku, nakakainis gumamit ng atm pag magwiwithdraw kasi ilang beses na akong nakakaranas ng pag nagwithdraw ako walang lumalabas na pera then when ill check my balance nakabawas na yung amount. paano ba ito maiiwasan?

  6. Avatar for dagul dagul says:

    This is a fresh blog!!! I also experienced this stupid BDO ATM machine in SM Molino,. They steal my 10K withdrawal. Guess what? until now, WALA PA YUNG PERA KO! It was happened last March 30, 2010. I withdrew 10k on that machine, after i press the confirmation button, nag appear sa screen “TRANSACTION CANCELLED”. my card ejected and my transaction receipt. No cash was dispense and dun sa receipt ko walang bawas. But the next morning i realized na na debit pala ako! DAMMNNN BDO! I immediately report to concern people. the same thing here that i read, walang silbi yung mga call center agent. maiinis ka lang sa mga scripted na sinasabi nila…. i hope my money will get back soon… ingat lagi sa ATM crds nyo….

  7. Avatar for fotfot fotfot says:

    Fake! I also made the same stupid mistake, but it didn’t continue to dispense or check the balance of my card.

  8. Avatar for arline arline says:

    good afternoon…magiinqiured lng po sana ako kung howmuch po mg open account s atm..for saving lng po..thanks

  9. Avatar for ruzela c. dones ruzela c. dones says:

    WISH Q LNG POH,SNA PEDE NG MAG NQUIRE D2 SA CMPUTER NG SAVINGS BALANCE…THNX POH..MORE POWER!!!

  10. Avatar for rheN rheN says:

    nAKU, sad naman..waaahh.. meron pa ba sa inyo ang naibalik pa ung money nyo?badtrip naman..

  11. Avatar for KAI KAI says:

    IT’S PAYDAY, I WENT TO 2 DIFFERENT BRANCHES AND THEY’RE OFFLINE, BDO SUCKS BIG TIME. IF I HAD A CHOICE I WOULD SWITCH TO ANOTHER BANK.

  12. Avatar for James James says:

    Sa mga nagkakaproblem sa ATM, i think mas ideal na magreklamo kayo sa mismong bangko kung sino may ari ng ATM, wag sa BDO. Kasi they only see na twice kayo nag withdraw, pero dun sa ATM ng bangko in case hindi may BDO ang winithdrawhan mo e baka naka-log yun.

    Kunin nyo ang pera nyo sa kanila kung kinain ng ATM or nag no response for a long time. Hindi nyo kasalanan ang ma-debit ng ganun ganun na lang. Aba, pinaghirapan nyo yun kahit 500 lang yan. Hindi natin ibibigay basta basta ang pera sa bangko no. Ang laki na nga ng service charges atsaka mga penalties.

  13. Avatar for CJ CJ says:

    Now my plan is to open a new account on other bank and transfer my money to that account because my BDO card was used by our company for payroll…If I can convince our company I’ll ask them to transfer our accounts to other bank…EVERY PAYDAY OFFLINE ANG BDO…AND DAMI NGA BRANCHES DITO SA NAGA WALA NAMAN KWENTA…BULSHIT!!!!!!!!!!!!!!!

  14. Avatar for CJ CJ says:

    I agree to all your comments here…OMG…last friday (december 18, 2009), I tried to withdraw 5,000 and it took a long time to process and the money didn’t come out and the worst part is when I tried to check my balance 10,000 was lost in my acount…They said that the money will be credited w/in 5 business days and that’s excluding saturdays & sundays and baka holiday pa…OMG…panu na pasko namin? BDO===Banco de offline de Debit…..GRRRRRR………

  15. Avatar for aie aie says:

    bdo sucks, i regret opening a savings account with them grrrrrrr, super magnanakaw, kinuha ang 500 pesos ko, sa isang atm ko savings account din, and the other one 400 pesos sa isa ko pang savings account, ayaw ko na lng magreklamo im sure d na yun mababalik, kung sino man mag oopen ng account sa bdo wag na lng sa iba na lng, i heard from my friends metro bank daw pero iwan, sa allied bank oking oki ung cash card hindi nagnanakaw hehehe BDO MAGNANAKAW! ausin nyo naman service nyo, ang fanget fanget! mahiya naman kau! d naman namin ninajaw ung pera namin!

  16. Avatar for mackers mackers says:

    Today I try to withdraw 5000 pesos because I already have 7000+ Actual Balance in my ATM cash card but unfortunately only 1000+ pesos left. BIG SHIT SHIT f**king shit……………who stolen my money then I report the stupid situation on the BDO SM Cebu. Then she give me the copy of CASH CARD ACCOUNT ACTIVITY REPORT base on activity report I already withdrawn 6000 I don’t remember I do that, coz I am saving my money for this coming Christmas…. Please help me any idea what happened>>>

  17. Avatar for Necto Necto says:

    F**k F**k,

    Im in the same shit too. Last night my wife is scheduled to have her MRI, and we did a drop of one of their fancy ATM (Cebu Branch) to address the bills needed for the examination. And guess what, after doing withdrawal transaction, 3 minutes passed the screen is still displaying “Processing Transaction….” and then BAM. BAM. BAM. the atm card is the only thing that’s dispense. what the F**k. The first thing I had in mind is to report the stupid situation on the branch where the ATM located. I guess what here’s what I get from the girls from BDO “Sir we dont resolve that issue even if you did use our ATM. you need to call the toll fee 1-800-1063-18000 press 8 then press 0″ And then silly i obliged (thats only way we can do for the helpless poor) GUESSSS WHAT. its been f**king hour I still i was put on hold on waiting for a reps to get your call”.

    Come on BDO, I have been a client for 2 yrs now, and this is not the freakin first time did happen to me.

    ALL YOU GUYS HAVING THE SAME PROBLEM. Dont just rest your case on when they returned your money back..

  18. Avatar for stupid bdo stupid bdo says:

    bdo sucks ive been waiting for 10 business days now and still my money is not back at my atm you’re all freaking stupid you lyer freaking peace of crap of a bank I hope you will be bankrupt you f***ing idiots

  19. Avatar for CY CY says:

    Guys, if you have problems with the bank they wont listen to you unless you complain directly to the BSP.

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