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Banco de Oro (BDO) Savings and Time Deposit Interest Rates




There’s a good quote by writer William Arthur Ward about money habits: “Before you spend, earn. Before you invest, investigate. Before you retire, save. Before you die, give.”

This simple yet meaningful quote essentially captures the correct money mindset everyone should have.

BDO Credit Card PromosIt also summarizes the time-tested process of how a person can indeed make money and ultimately be wealthy: Earn, Save, Invest.

Here in PinoyMoneyTalk, we start our new section of articles that deals with the “Save” part.

This collection of useful articles will consolidate information about various savings and time deposit accounts offered by banks in the Philippines, to give Filipinos informed options about possible avenues where they can save their hard-earned money.

As a start, we summarize below the interest rates of Banco de Oro (BDO)’s Savings and Time Deposit accounts.

BDO Peso Savings Accounts – Interest Rates

BDO has different types of Peso Savings Accounts, with varying minimum initial deposit and annual interest rates, catering to various customer segments.

Peso Savings Account (in PHP)Minimum Initial DepositMinimum MADB to Earn InterestInterest Rate (per annum)
Passbook SavingsPhp5,000.00 Php10,000.00 0.25%
ATM SavingsPhp2,000.00 Php5,000.00 0.25%
Optimum Savings:
* PersonalPhp30,000.00 Php30,000.00 (contact BDO)
* CommercialPhp50,000.00 Php50,000.00 (contact BDO)
Junior SaversPhp100.00Php2,000.00 0.25%
Power Teens ClubPhp2,000.00 Php2,000.00 0.25%
Prime SaversPhp2,000.00 Php5,000.00 0.25%
Direct DepositPhp0.00Php5,000.00 0.25%

* MADB = Monthly Average Daily Balance

BDO Dollar Savings Accounts – Interest Rates

Here are BDO’s Dollar Savings Accounts options.

Dollar Savings Account (PHP amount)Minimum Initial DepositMinimum MADB to Earn InterestInterest Rate (per annum)
Dollar SavingsUS$200.00US$500.000.25%
Prime Savers DollarUS$200.00US$500.000.25%
Direct Deposit Dollar0US$500.000.25%

* MADB = Monthly Average Daily Balance

BDO Peso Time Deposits – Interest Rates

BDO offers Time Deposits with various tenors, such as 30, 60, 90, 180, and 360 days.

Minimum initial placement is a low P1,000.

Time Deposit (PHP amount)30 Days60 days90 days180 days360 days
P1,000 to below 10,0000.25%0.25%0.25%0.50%0.50%
P10,000 to below 50,0000.25%0.25%0.25%0.50%0.50%
P50,000 to below 100,0000.375%0.375%0.375%0.625%0.625%
P100,000 to below 200,0000.50%0.50%0.50%0.75%0.75%
P200,000 to below 500,0000.50%0.50%0.50%0.75%0.75%
P500,000 to below 1,000,0000.625%0.625%0.625%0.875%0.875%
P1 Million to below 3 Million0.75%0.75%0.75%1.00%1.00%
P3 Million to below 5 Million0.75%0.75%0.75%1.00%1.00%
P5 Million to below 10 Million0.875%0.875%0.875%1.125%1.125%
P10 Million to below 20 Million0.875%0.875%0.875%1.125%1.125%
P20 Million and over0.875%0.875%0.875%1.125%1.125%

BDO Dollar Time Deposits – Interest Rates

For Dollar Time Deposits, minimum initial placement is $1,000. Holding period can be 30, 60, 90, 180, and 360 days.

Time Deposit (US$ amount)30 Days60 days90 days180 days360 days
US$1,000 to below US$10,0000.375%0.375%0.500%0.625%0.75%
US$10,000 to below US$50,0000.375%0.375%0.500%0.75%0.875%
US$50,000 to below US$100,0000.500%0.500%0.625%0.875%1.00%
US$100,000 to below US$500,0000.625%0.625%0.75%1.00%1.125%
US$500,000 to below US$10 Million0.625%0.625%0.75%1.125%1.25%
US$10 Million and above(contact BDO)

BDO Long-Term Dollar Time Deposits – Interest Rates

BDO also offers higher interest rates for longer-term dollar time deposits, with the rate reaching as high as 3% for a 5-year Time Deposit for a minimum $50,000 placement.

Long-Term Time Deposit (US$ amount)Interest Rate
2-Year Dollar Time Deposit1.75%
3-Year Dollar Time Deposit2.00%
5-Year Dollar Time Deposit2.75%

Earn, save and invest to become wealthy and financially free!

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16 thoughts on “Banco de Oro (BDO) Savings and Time Deposit Interest Rates”

  1. norman1211 says:

    better to invest in mutual funds and unit investment thrust funds, the return is much higher

  2. James Q. Felipe says:

    BDO is total cr@p when it comes to deposit products. It’s as if utang na loob mo sa kanila na may interest pa at all yung deposits mo. At may “contact BDO” pa ha, as if naman aabot ng at least 3% at those amounts.

  3. Lance Snow says:

    i actually agree with james.. BDO and other banking company. pag nag invest ka at kkunin muna pera mo prang ikaw pa ang may utang sa kanila.

  4. lex says:

    for the time deposit, is the percentage interest rate monthly of per anual?

  5. kitty says:

    Ang liit nmn interest jn satin sa pinas here in korea 7.5 percent 1 year time deposit

  6. rosalie Matorgo says:

    di ko maintindihan kung magkano tlga ung interest if ever mag time deposit ka ng 100,000. kung one year ko xa itime deposit ,magkano tubo nia???? please reply

    1. Cj says:

      Hi bdo ask ko lang pag nag time deposite po ba ng 1m good for 1yr hm po ung interest the pag gusto mo e withdraw ung amount na un mabibigay ba lahat..?

    2. Cj says:

      Hi bdo ask ko lang pag nag time deposite po ba ng 1m good for 1yr hm po ung interest then pag gusto mo e withdraw ung amount na un makukuha ba lahat..?

  7. Jinkee Bagolcol says:

    How to withdraw my bdo saving account use paypal

  8. Litz says:

    Hi BDO,ask ko lang po kong s branch nyo mag deposit tas pag mag withdraw my bayad ba or wala?

  9. Jixgerald Manalo says:

    Hi bdo…paano po mgcompute ng interest if i deposit 100000 for time deposit good for 1 year?

  10. jhay says:

    P750 lng. walang bisa. 100k = 0.75% interest per annum(a year)

  11. fil says:

    .25% interest rate per annum my ass!

  12. ariel says:

    pano mag compute ng interest kung sakali po magdeposit ako ng 100k

  13. shana says:

    100k = 250 tubo in 1 yr .25% interest,
    100k = 500 tubo in 1 yr .50% interest,
    they have deduction charges and fees
    so luge ka pa haha.

  14. Ryan Christian Puno says:

    Milyones talaga??? What if 5k lAng yun kaya mo i time deposit magkano yun sa loob ng 30 days

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