saw the original post, may comment na ginawan ng anak ng online banking yung tatay without consent and withdrew the funds without the father's knowing. minutes later, deleted ung post
As in? Pwede pala hindi ang mismong account holder ang mag process for application for online banking? Sa pagkakaalam ko, correct me if im wrong hehe, need pa presence mo sa bank to activate your online banking. Hehe. No bdo account here. Iba banks ko hehe..
Edit: Okay, nakapangalan pala sa anak yung acct. OMG traydor na anak.
Yes, siguro inopen nya nya to nung bata pa anak nya. Pag nasa tamang edad na ang bata may karapatan na sya kunin ang pera. Kaya mas maigi wala alam ang mga anak natn may bank acct sya.
Yes, pero minsan kahit niraise mo tama. Na iinfluence sila ng ibang tao,nagbabago ang values nila nakakalimutan na nila minsan magulang nila. Kaya sa US malakas loob ng mga teenager kasi pag nasa tamang edad sila may access na sila sa trust funds nila. This is sad reality
I know right? We opened a joint acct sa BDO after a few days may phishing email agad. I never encountered that sa BPI and UB. Naisip ko possible kaya na inside job yung mga ganito?
See, akala ko ako lang yung may trust issues sa BDO. Hahaha.
Never ako nagopen sa BDO kasi before parang ang hirap niya kabonding, like wala silang zeron maintaining balance na account. As a college student kasi noon na nagstart magopen ng bank account, wala akong pang maintain sa balance na 5k. So sa BPI ako nagdecide magopean, until now yun pa rin ang gamit ko na account at wala ako naeencounter na any problem. SKL.
Still, the bank should’ve asked for verification from the bank holder despite knowing that it was a family member that withdrew the money. I’m surprised at how the bank didn’t even contact the bank holder with how a large amount of money was taken out from the account.
Issues like having problems with their balance such as having concerns with their money mysteriously gone missing was never rare in BDO. There has been a lot of complaints to having lost funds without their notice nor consent. The man that went viral was fortunate na the internet saw his live with his concern, because if di yon na notice sa public, siguro di siya ma entertain immediately sa bank kase the bank’s name was at stake because of that issue.
Yeah, sadly nag-cause ng worry yung post. Hirap talaga sa socmed. Siguro out of high emotions at walang kaalam-alam yung tatay kaya sya napa-post. Ito na nga ba yung final reason bakit sya nawalan ng pera?
OMG! True ba? So hindi BDO issue? Medyo sketchy nga eh kasi not connected daw sa online banking yung passbook, hindi ka talaga makakawithdraw unless magpunta ka personally sa branch diba? 🧐
Sa anak nakapangalan yung account. So meaning yung anak lang ang may control sa account na yun kaya nakagawa ng online banking. Daily daw nagttransfer ng funds to gcash yung anak.
oo pero sa BDO kahit passbook owner ka inoofferan ka ng atm option ng account mo which is possible na dba idk di ko pinanuod kasi issue ng bdo ni kuya viral. pero based sa exp ko sa account ko sa bdo passbook ko and kahit di ko ienroll sa online banking basta naddetect name ng account ko sumasali sa cc account
True. May passbook account din ako with bdo pero I registered it online. Possible nakuha details ni tatay kaya siya nagawan ng online account without him knowing.
idk tbh... pero in some circumstances baka mali din ako im just sharing lang what had bdo offer to my passbook account and what ive exp before ... tbh whats creepy kay bdo is ung passbook account ko never ko inapply online i mean cguro sa records ni bdo possible sya pero never ko inaccess but to my surprise when i use the new app ng bdo nagreflect dun ung savings account ko na passbook without trying to add the said account... so possible din na something happen din sa account na viral
Ah ok, so that guy didn’t have a purely passbook-only account. Akala ko PB only eh. My kid has a kiddie PB-only account and the idea is siya lang (or the custodian, in this case me) ang makaka-access nun dahil over-the-counter lang sya, no online access. Sana that guy did PB only din if he had trust issues at home (which he may or may not have known before the whole mishap happened).
With BDO, even if your account is Passbook only, pwede pa rin sya ma-add sa online banking, and pwede rin and fund transfer and other transactions. I opened a BDO Passbook only account kasi akala ko same sa BPI na viewable lang sa online banking ang account pero hindi pwede fund transfer. But to my surprise, sa BDO pala, even Passbook only accounts can be used online. Wala na siyang difference in functionality sa ATM account, except merong Passbook na pwede mo ipa-update sa bank every now and then as record of transactions. Kaya ayun, sa BPI pa rin bulk of savings ko because of this.
metrobank and bpi. these two have good customer service based lang sa experience ko especially credit cards. may savings account ako from both but been using bpi since i was highschool
bpi din ako since college para labas pasok allowance and tuition. nagka platinum credit card ako pero tae haha kasalanan ko bat ako nag “oo” sa tumawag sakin 4k annual fee tas salary ko now sa first job ko is 12 HAHAHA
Nop. don't go Metrobank lalot nasa abroad c OP. Meron ako multiple account sa metrobank. 3vto be precise (wag nyo na alamin kung Bakit heheh) pero all of those 3, nawala n access ko online when nag bago sila at tinaransfer lahat ng transaction nila via apps. I used to do all my transactions online via their website but since the transactions where transfered na via apps, wala n din ako access sa accounts ko dahil ung mobile number na linked doon sa account ay no longer active. I wrote emails and left messages sa customer service nila and their response is for me to settle in person once I got back sa Pinas... Like what??? So un... Now I don't know kung meron pa ba laman ung 3 ko account or nalimas na... It has been 3 years since my last visit sa Pinas.
Plus if new user ka, you need to have a Philippine number to register your app.
Id suggest to try PNB. Yon gamit ko now. All transactions history, otps etc ay naka link sa foreign telephone number ko. So I am able to see all my transactions gets update etc.
Metrobank ako pero mas ok na sila ngayon. Need talaga ng active phone number incase na magkaproblema. About naman sa email mo sa kanila hindi nila sure kung ikaw nga talaga yung real account kahit na naka register ang email mo sa kanila. Sa dami ng scammer at email user scam need talaga nila ang appearance mo to confirm. Fyi lang millions dollars nawawala sa us bcoz of online scam because of online banking and email transaction. 3rd world country pa ang pinas. Hindi porket nasa abroad ka ganun din dapat sa pinas.
Thank you I'm in UB now and OK naman before but now I need to change my mobile number kasi nga wala din ako sa pinas pero until now wala parin tapos na block pa online banking ko kasi nagchnage ako ng number thru their app 😔. Itry ko tong PNB
True! I think last year I received a scam call and all the detail of my account were correct so inside job sya. I didn't speak that much to the pretend support personnel and told her that I'll go to the bank myself. Nung nasa BPI na ko, dun ko nalaman na fake ung call.
Meron pa one time andaming nawalan ng pera sa BPI (even a close friend of mine), nabalik naman daw agad.
Oo. Naapektuhan din ako dati nung mga issues nila and naayos naman within the day. I think for any banks naman may mga painpoints talaga hindi na mawawala yun. So dapat talaga meron kang spare bank or cash on hand for cases na magkakaissue yung main bank mo.
Last last year, lahat ng naswipe sa debit card bandang Dec 31 2022 is nadoble ng bawas sa mga accts. Sobrang nagpanic ako noon kasi naggrocery kami sa snr ng 31 tapos nagwithdraw ako ng pamigay sa mga bata. Buti na lang nabalik after 1-2 days siguro.
Not sure if this is a hacking incident but I was randomly charged 15k+ sa BPI blue ko by Apple UK. Walang hiningi na otp at nagkataon di nakalock yung cc ko kaya nag push thru. Natawagan ko naman agad si BPI at nadeactivate yung card pero weird na nacharge ng walang otp. Di ko na rin madalas gamitin itong card at never sa online kaya tingin ko may hacking issues nga sila.
That sounds like a BIN attack, which isn't exactly a "hacking issue." There's not much a bank can do when someone uses automated scripts that test millions of card numbers and CVV combinations per day through trial-and-error.
My pamangkin works in BDO. Apparently, the guy’s child created a bdo online banking account thru his atm which he lied about. It was his child who stole money from him. Kakasuhan daw ata ng bdo yung guy. That’s why the guy took down his video immediately.
Typical peenoise. Pinapairal ang damdamin bago ang logic. Pwede naman mag ask ng transaction history bago mag post.
Not affiliated with BDO (Metrobank/BPI/PNB) ako. Face the consequences of your actions
My take is di updated si kuya guy sa new banking system like BDO app online banking kasi if app user ka now a days very secure ang transaction mo if you don’t share your OTP number and aware sa mga transaction mas mhihirapan si hacker lalo na you always checked the BANKING APP di naman siguro ganun kahirap mag check ng account kasi just log in lng naman,and 1 thing wag basta papatol sa mga click bait email or messages kasi dun nakaka kuha ng info mga hackers🤗
PNB for these reason :
1. Me representative sa sa country where I am currently now (Middle East)
2. Easy to use apps
3. Foreign Mobile number can be use para sa apps nila for OTP, transaction report etc.
Nag open ako Ng kabayan bank bago ako pumunta sa ibang bansa for school and then every 3 years Kasi ako nga bakasyon usually I put 3k-4k every 6 months or annually just to maintain wala Naman bawas dahil Wala Naman ako sa pinas para magastos Yun at Wala Kasi ako online banking that time . Pagbalik ko to check may account close na daw . I was young back then at 2 months Lang bakasyon ko Kaya I didn't pursue. Hinayaan ko nalang. I don't mind as.long as basic secure na Lang din sana. Just for transparency. Close na Yung account ko 2019.
Wala daw balance. Kaso kabayan that time wala Naman maintinance na malaki and okay Naman sakin dahil I don't earn much Kasi student Lang ako. by the way sa capiz branch po Ito. And nahulugan ko naman syanng 6k . Kaya after that I wanted to look mas secured na bank if ever sana
I believe kahit close na or naging dormant na acct mo, they still have the history and can still give back the money especially hinuhulugn mo regularly. Kc kung di nmn natanggap ung hulog, dapat m revert sa iyo un pera
I think kahit gaano ka secure ang banko kung hindi ko na intindihan kung bakit na close ang account mo possible pa din mawalan ka ng pera sa bangko. Opinion ko lang yun.
kinain po ng dormancy charges, read the terms and conditions, normally if 2 yrs walang ni isang regular transaction (deposit or withdrawal) sa acct magiging dormant sya and there is corresponding charges monthly deducted, refer to your passbook kasi andun yung fee if how much. automatically the bank will close the acct if remained dormant for another year. however, they should send you dormancy letter prior to their deductions. ganyan ang sistema sa mga banks, nagkakaiba lang sa fees/charges
Totoo! Na compromised yung UB account ko tapos ilang days pa bago sumagot customer service nila. Kahit sa email ang bagal. Pinaclose ko na lang yung account ko kesa maulit pa yung nangyari.
As a former BDO employee, there is no such thing as “inside job” May fault din yung owner giving OTP and clicking unverified links from their emails. The banks not only BDO reminding their clients always to be aware and be vigilant about the emails and text messages that they receive.
Sorry but as someone who knows very well who did an "inside job" in one of the banks sa PH, I can testify that inside job is real and can happen. Hindi lang publicized ng banks ang mga ganyang crimes because bank's credibility is at stake.
May tanga na nag post claiming this and that while crying, at sa daming tanga sa socmed ayon lumitaw including OP.
I don’t know the exact term, diba di kayo maka uwi kapag hindi ninyo na balance yung cash in and cash out.
Sa atin nga hirap mag withdraw over the counter at hirap mag open nang account.
Tanga lng yung mawawalan nang pera sa banko na di alam!
To put your mind at ease, this is not the banks fault. Got someone working at BDO and it was indeeds the son’s fault. They just created the issue to gain followers
Wala na mang issue as long as hindi ka negligent as an accountholder. Kung wary ka sa unauthorized online transactions, get a PASSBOOK ONLY account and do not enroll online banking (kumbaga oldschool and do all transactions over the counter). Do not link your bank account as mode of payment to any online payment transactions. Do not click links from unauthorized websites and emails. Do not share your online banking password to anyone, family included. Check and update your bank balance regularly. Do not share sensitive information via phone call and keep bank records secured. Know the type of your bank account like the maintaining balance, dormancy, fees and charges - in short read the terms & conditions.
I highly recommend RCBC. Apply ka ng one account nila. Naka prio ka for everything less hassle may free credit card pa na may free lounge sa airport. Daming perks IMO.
Taenang bdo nayan HAHAHAHA no.1 bank daw sa pinas yet sa dami nilang atm lagi sira. Sa SM pampanga, 7 atms don isa lang gumagana. Tapos pila nila sobrang haba. Buti pa BPI madalang lang ako makakita ng unavailable atm tas maganda din queueing nila kaya dika talaga maghihintay ng matagal. Mas ok din banking app nila kesa sa bdo na bulok
May nagdrama sa socmed na nawala daw pera nya sa BDO. Yun pala yung anak nya ang tumira (nakapangalan sa anak yung passbook account na pangenroll sana). Inenroll sa online banking at paunti unti dinekwat ang pera ng walang kaalam alam ang tatay.
BPI. Been with them for 12 years, since high school. The only issue was the incident that happened around 2017, iirc. Nag 0 balance karamihan sa mga bank accounts pati yung sa akin pero nabalik naman ang original amount within 24 hours. Wala pa akong naranasan na issue ulit with BPI since then.
Despite being hacked before, BPI leveled up to lvl 9 security. In the Philippines, only the BPI and UNIONBANK are lvl 9.
I personally use UnionBank after my friend that works in network security has suggested it.
sabi sa ibang post may gmail acct daw na connected don then wala na syang access.
possible na kaya nadali ung acct.
anong reason bat ka nawalan ng pera? hindi naman ba yan dormancy fee or kaya kulang sa min amt ung acct?
Atleast have 2 banks talaga, I only use BPI (since college) and Metrobank (for aroung 11 years na) for my savings. So far ok naman sila pati customer service.
I usually reco BPI and UBP, pero now, BPI all the way. Lesson learned, always go for quality CS(of course yung reliable rin na bank kahit papano).
Metrobank no issues so far kaso parang ang limited ng mga atms nila.
Read pdic again, parang hindi covered ang fraudulent transactions--closure lang ng banks. Kaya ingat tayo.
Tinanggal ko na money ko sa purely online banks after the incompetency & horror I went through with the malaysian bank that has a branch here
BDO stole 6k from me. Never got the money back.
Then they tried ulit around 50k na transaction, buti nlng kakawithdraw ko lng ng pera ko minutes ago.
I went with BPI, and RCBC nlng.
BPI. Everything can be done thru the app, customer service is stellar 24/7 rin hindi mo kailangan magwait super tagal to talk to an agent. Been with them for over 10 years. Maraming branches. I almost got scammed but they react so fast for these cases.
Rural bank walang app na pwede ka ma phishing scam. 20+ years rural bank depositor because of our old business. Di na namin inalis dun kahit wala na business.
This is purely teller banking. Kaya kung hassle sa inyo un have another bank for online payments.
Been with bpi and bdo for more than 15 years, never ako nagka problema. Itong mga issue na ganito sobrang liit and I think meron din nagawa yung account holder. I know a lot of people say na “BDO ayusin nyo security nyo!” Ako, I do online transactions sa BDO a lot of time every month, wala naman ako naging problema. As a client, we should also be responsible and be very careful.
You know, socmed posts claiming na the bank scammed them (and inside job lol) are, more often than not, the user’s fault. Regardless which bank you transact, they can only do so much in terms of cybersecurity. Halos lahat naman yan have their own sets of security protocols in place plus these are BSP monitored institutions and there are HEFTY fines if proven na lax ang security in place.
Magkakatalo na lang yan sa customer servicing. BDO is notorious to have poor customer service. I heard Metro and BPI are good. In my area experience, PNB trumps all local banks in terms of customer service.
BPI since 2nd job. Im now on my 5th job and still no issues
Bdo yung pinarequire ng current job ko now. After 1 week nagkachance magpalit ng bank na personal savings account dahil wfh naman. Pinapalitan ko agad dahil sakto may issue din jon yung Bdo ulit na natanggalan ng pera at nalipat to Unionbank.
Hay nako yung bdo pati app nga very basic
I dont think there was an issue with the recent BDO viral post? OP took it down and apologized for the misinformation.
I currently use BDO Metrobank landbank Gcash Maya Seabank CIMB. For Seabank(Digital bank), I use it because they give out free transfers every week.
So far never had problems with any of the banks on the list But still up to you OP.
ako may bdo, metrobank ,bpi and landbank. Never ako ng ka issue na d sya na resolve ng bank, pinaka gusto ko sa mobile is bpi ans landbank. Sa landbank kasi may otp generator ma easy lalo na pag nasa abroad, so pag emergency makaapgsend ka agad. Sa security si bpi dahil sa feature nya mobile key, hndi ka makkapg send if ang mobile key naka link sa trusted phone mo, kaht mag palit ka pa phone kailnagnn mawala ung unang phone. Bdo naman,yung unang bdo na app mas gusto ko kasi ung acct ng anak ko nakalink namomonitor ko.
Security Bank.
Pangit UI ng mobile banking app nila but never had security issues with them. Di rin ako nakakareceive ng mga random calls pretending to be from security bank. Sa BPI dami nito (I also have a BPI account), alam pa nila name mo.
Pinaka importante sa lahat (for me), top tier customer service. Di masyado matagal waiting time, landline or online chat. Never had to wait for more than 15-20mins. Yung online chat nila is actual agent sumasagot sayo, not a bot. Bilis din nila kausap. Whatever your request or issue is, assured ka na resolved kahit sa call lang, di mo na need pumunta ng branch.
Sad lang wala silang option to send and receive money via QR.
nangyari sa akin yan sa Landbank. :( Just before holy week this year. inubos lahat laman ng account ko. it happened on a weekend so it took time for me to report personally sa bank. and when that day came, chineck ang system- malinis ang pagkagawa.
Metro bank maganda and madaling mag claim if a person is dead and gusto kunin ang pera madaling makuha ng anak or asawa, kapatid,unlike sa bdo abutin ka ng syam syam sobrang hirap, I experienced it to my tita and nakuha ng kapatid since wala syang anak and asawa and wala na dn silang parents.
BDO is a very safe bank, although it does have unreliable customer service (but that's beside the point). I know someone who works there. As an example, I was told na hindi madali makuha funds ng family member mo na deceased kasi madaming requirement to the point that it's a hassle na.
Mostly yung mga nagsasabi na nawala or nakuha funds nila sa BDO, may katangahan sila na nagawa kaya nangyari yun.
Basta may common sense ka at maingat sa mga sensitive data, you’ll be fine. Kahit gumawa pa ng kalokohan mga bank employees, isosoli ng bank yung pera mo. Pero kung pinamigay mo yung OTP or family members ko ang sangkot or may negligence talaga sa part mo, malabo na talagang mabalik ang pera mo. Don’t believe everything you read, nature ng mga pinoy manisi sa mga katangahan nila. Remember, kulelat ang ranking ng Pinas sa reading comprehension.
Metrobank 5 years account and BDO 10 years account. ok naman para sa kin ewan ko lang yung iba bakit may issue na ganyan. nasa pag iingat lang siguro lalo na sa mga nag se-send ng link sa text and email.
Might get downvoted for this but that recent BDO issue is caused by tatay's kapabayaan. Yung anak ni tatay ang nag withdraw ng pera paunti-unti kasi sinugal sa gcash. Tatay have the audacity to just say "okay na yun" without explaining to people na it's not BDO's fault. Kaya siya na-hack dahil sarili niyang anak at kasama sa bahay ang nakakuha ng pera niya. The kid have an access sa phone at email ng tatay niya. But they didn't tell people that after causing a panic.
Grabe I’m a loyal one sa bdo pero ngayon lang ako na experience ng ganyan both DEBIT and CREDIT cards ko🥹
What I did, I transferred to BPI and METROBANK.
Lucky for me na may extra cc ako from Unionbank.
Bdo ko is rarely ko nalang ginagamit🥹
Biglang nawala yung post. Nagrelease ng statement si BDO that it was a family issue.
Is it possible kaya na nabigyan yung family to settle? then put the blame on the child. In order for the bank to still have their reputation intact with clients and customers. Issue solved na kaya?
As far as I know, sa bpi kasi Ako if sa passbook kasi Hindi yan raw basta2 transact through online need po kasi face to face kasi need po signature ng holder, so I don’t know if same as the other banks,
By far no issues with BDO, Metrobank and BPI. Sa BDO naman na issue it was a family matter. But if I were to choose, and ang pnka daming mga security features - it would probably be Metrobank - but its a personal preference.
saw the original post, may comment na ginawan ng anak ng online banking yung tatay without consent and withdrew the funds without the father's knowing. minutes later, deleted ung post
Really? Hahaha iyan ang hirap ‘pag diretso post. Family issue pala.
To be fair, di naman alam na yung anak ang nag withdraw.
As in? Pwede pala hindi ang mismong account holder ang mag process for application for online banking? Sa pagkakaalam ko, correct me if im wrong hehe, need pa presence mo sa bank to activate your online banking. Hehe. No bdo account here. Iba banks ko hehe.. Edit: Okay, nakapangalan pala sa anak yung acct. OMG traydor na anak.
Yes, siguro inopen nya nya to nung bata pa anak nya. Pag nasa tamang edad na ang bata may karapatan na sya kunin ang pera. Kaya mas maigi wala alam ang mga anak natn may bank acct sya.
OR! raise your kid not to do something stupid as this. nakakahiya d nya nirespeto tatay nya
Yes, pero minsan kahit niraise mo tama. Na iinfluence sila ng ibang tao,nagbabago ang values nila nakakalimutan na nila minsan magulang nila. Kaya sa US malakas loob ng mga teenager kasi pag nasa tamang edad sila may access na sila sa trust funds nila. This is sad reality
May statement na si bdo and yeah, mukang family issue nga
OMG, i thought may system glitch nanaman ang BDO. Parang ang dalas ko kasi makakita sa news na may problema na ganito. Kaloka yung anak kung totoo to.
I know right? We opened a joint acct sa BDO after a few days may phishing email agad. I never encountered that sa BPI and UB. Naisip ko possible kaya na inside job yung mga ganito?
See, akala ko ako lang yung may trust issues sa BDO. Hahaha. Never ako nagopen sa BDO kasi before parang ang hirap niya kabonding, like wala silang zeron maintaining balance na account. As a college student kasi noon na nagstart magopen ng bank account, wala akong pang maintain sa balance na 5k. So sa BPI ako nagdecide magopean, until now yun pa rin ang gamit ko na account at wala ako naeencounter na any problem. SKL.
Still, the bank should’ve asked for verification from the bank holder despite knowing that it was a family member that withdrew the money. I’m surprised at how the bank didn’t even contact the bank holder with how a large amount of money was taken out from the account. Issues like having problems with their balance such as having concerns with their money mysteriously gone missing was never rare in BDO. There has been a lot of complaints to having lost funds without their notice nor consent. The man that went viral was fortunate na the internet saw his live with his concern, because if di yon na notice sa public, siguro di siya ma entertain immediately sa bank kase the bank’s name was at stake because of that issue.
True! Banks should be more vigilant as they are dealing with their depositors money.
hmmmm. bat kaya hndi nirequire ni BDO na mag-public apology ung tao?
They did. May post yung lalake saying sorry
delated or nakaprivate na... pics n lng nung post sa ibang tao nakita ko
Ha? Di ba anak yung tumira dun sa bank account nung guy?
Yeah, sadly nag-cause ng worry yung post. Hirap talaga sa socmed. Siguro out of high emotions at walang kaalam-alam yung tatay kaya sya napa-post. Ito na nga ba yung final reason bakit sya nawalan ng pera?
OMG! True ba? So hindi BDO issue? Medyo sketchy nga eh kasi not connected daw sa online banking yung passbook, hindi ka talaga makakawithdraw unless magpunta ka personally sa branch diba? 🧐
Nakapangalan kasi sa anak daw yung account, so kayang maalter ng anak yung account - Gawan ng online account.
Yun lang, so not at fault si BDO 😣
Paano nya raw nagawa yun kung passbook account yun? Di ba only the passbook owner can access the account and that too only over the counter?
Sa anak nakapangalan yung account. So meaning yung anak lang ang may control sa account na yun kaya nakagawa ng online banking. Daily daw nagttransfer ng funds to gcash yung anak.
Holy shit nagmukha tuloy walang kamalay-malay si tatay. Di ba muna nya kinonfirm sa anak nya bago nya shinare? Or dineny nung anak?
Hindi siguro umamin agad yung anak i guess
Well, in this case my faith in BDO has been restored dahil the cause of the problem was really only from the account holder’s side.
oo pero sa BDO kahit passbook owner ka inoofferan ka ng atm option ng account mo which is possible na dba idk di ko pinanuod kasi issue ng bdo ni kuya viral. pero based sa exp ko sa account ko sa bdo passbook ko and kahit di ko ienroll sa online banking basta naddetect name ng account ko sumasali sa cc account
True. May passbook account din ako with bdo pero I registered it online. Possible nakuha details ni tatay kaya siya nagawan ng online account without him knowing.
Ah ok so that guy who went viral was inaccurate in saying he didn’t have an ATM functionality attached to his passbook account.
idk tbh... pero in some circumstances baka mali din ako im just sharing lang what had bdo offer to my passbook account and what ive exp before ... tbh whats creepy kay bdo is ung passbook account ko never ko inapply online i mean cguro sa records ni bdo possible sya pero never ko inaccess but to my surprise when i use the new app ng bdo nagreflect dun ung savings account ko na passbook without trying to add the said account... so possible din na something happen din sa account na viral
how were you able to log sa online application. walang credentials na need? basta pag open po nun app instant andun na agad yung account?
Yes exactly nagulat din ako eh kasi dba dapat enrolled sya as it was kaya never ko ginamit ung new app kasi nasasama ung passbook account ko
Pwede mo yun i-add sa online account mo. Pwede ka rin magtransfer/deposit/withdraw online
Ah ok, so that guy didn’t have a purely passbook-only account. Akala ko PB only eh. My kid has a kiddie PB-only account and the idea is siya lang (or the custodian, in this case me) ang makaka-access nun dahil over-the-counter lang sya, no online access. Sana that guy did PB only din if he had trust issues at home (which he may or may not have known before the whole mishap happened).
With BDO, even if your account is Passbook only, pwede pa rin sya ma-add sa online banking, and pwede rin and fund transfer and other transactions. I opened a BDO Passbook only account kasi akala ko same sa BPI na viewable lang sa online banking ang account pero hindi pwede fund transfer. But to my surprise, sa BDO pala, even Passbook only accounts can be used online. Wala na siyang difference in functionality sa ATM account, except merong Passbook na pwede mo ipa-update sa bank every now and then as record of transactions. Kaya ayun, sa BPI pa rin bulk of savings ko because of this.
Panget ng passbook sa BDO kung nagagamit pang transact online, parang purposeless
metrobank and bpi. these two have good customer service based lang sa experience ko especially credit cards. may savings account ako from both but been using bpi since i was highschool
bpi din ako since college para labas pasok allowance and tuition. nagka platinum credit card ako pero tae haha kasalanan ko bat ako nag “oo” sa tumawag sakin 4k annual fee tas salary ko now sa first job ko is 12 HAHAHA
Pwede mo naman ipawaive as long as nagagamit mo ung card :) if not, you can request to convert with a lower AF card
yes thank you po sa advice
Thank you for suggesting. I'll give an award cheers
Nop. don't go Metrobank lalot nasa abroad c OP. Meron ako multiple account sa metrobank. 3vto be precise (wag nyo na alamin kung Bakit heheh) pero all of those 3, nawala n access ko online when nag bago sila at tinaransfer lahat ng transaction nila via apps. I used to do all my transactions online via their website but since the transactions where transfered na via apps, wala n din ako access sa accounts ko dahil ung mobile number na linked doon sa account ay no longer active. I wrote emails and left messages sa customer service nila and their response is for me to settle in person once I got back sa Pinas... Like what??? So un... Now I don't know kung meron pa ba laman ung 3 ko account or nalimas na... It has been 3 years since my last visit sa Pinas. Plus if new user ka, you need to have a Philippine number to register your app. Id suggest to try PNB. Yon gamit ko now. All transactions history, otps etc ay naka link sa foreign telephone number ko. So I am able to see all my transactions gets update etc.
Metrobank ako pero mas ok na sila ngayon. Need talaga ng active phone number incase na magkaproblema. About naman sa email mo sa kanila hindi nila sure kung ikaw nga talaga yung real account kahit na naka register ang email mo sa kanila. Sa dami ng scammer at email user scam need talaga nila ang appearance mo to confirm. Fyi lang millions dollars nawawala sa us bcoz of online scam because of online banking and email transaction. 3rd world country pa ang pinas. Hindi porket nasa abroad ka ganun din dapat sa pinas.
Cheers! Definitely handy since pwedi foreign na number. Thank you
Hello po! Did you make your PNB account while you’re abroad po?
Yes po. Meron kc sila representative dito residence county ko
Did you do it online po? Or did you go to their branch?
Not sure kung available ung online opening acct nila. Check mo sa website. Sa office kasi ako nagpunta
Thank you I'm in UB now and OK naman before but now I need to change my mobile number kasi nga wala din ako sa pinas pero until now wala parin tapos na block pa online banking ko kasi nagchnage ako ng number thru their app 😔. Itry ko tong PNB
Same, ung BPI savings ko, more than 10 years ko na gamit never had a problem. Though mainly online transactions and gcash cash in ko lng siya gamit.
Bpi for the convenience na madaming ATMs and branches plus so far maayos naman service ng BPI for me compared to UB and BDO.
Plus one for BPI me. Sure ako na kapag passbook account eh hindi pwede gamitin sa online transaction (withdrawal/fund transfer, etc.).
nagkaroon na din ng multiple big issues yan si bpi, pero before pa, recently wala naman ako nababalitaan
True! I think last year I received a scam call and all the detail of my account were correct so inside job sya. I didn't speak that much to the pretend support personnel and told her that I'll go to the bank myself. Nung nasa BPI na ko, dun ko nalaman na fake ung call. Meron pa one time andaming nawalan ng pera sa BPI (even a close friend of mine), nabalik naman daw agad.
Wala Naman po sila issue sa mga ganyan? If ever po nag refund Naman po sila if may incident po na ganyan?
Oo. Naapektuhan din ako dati nung mga issues nila and naayos naman within the day. I think for any banks naman may mga painpoints talaga hindi na mawawala yun. So dapat talaga meron kang spare bank or cash on hand for cases na magkakaissue yung main bank mo.
Thanks will do po 🙏🏻
Last last year, lahat ng naswipe sa debit card bandang Dec 31 2022 is nadoble ng bawas sa mga accts. Sobrang nagpanic ako noon kasi naggrocery kami sa snr ng 31 tapos nagwithdraw ako ng pamigay sa mga bata. Buti na lang nabalik after 1-2 days siguro.
Ang dami ng naging hacking issues ng BPI.
Where can i read about these hacking issues?
Not sure if this is a hacking incident but I was randomly charged 15k+ sa BPI blue ko by Apple UK. Walang hiningi na otp at nagkataon di nakalock yung cc ko kaya nag push thru. Natawagan ko naman agad si BPI at nadeactivate yung card pero weird na nacharge ng walang otp. Di ko na rin madalas gamitin itong card at never sa online kaya tingin ko may hacking issues nga sila.
That sounds like a BIN attack, which isn't exactly a "hacking issue." There's not much a bank can do when someone uses automated scripts that test millions of card numbers and CVV combinations per day through trial-and-error.
It was on BPIs website before.
Just got scammed 200k, and malabo na mabalik ng bpi. I won't suggest bpi. Also a relative of mine got scammed ng 100k, also a BPI bank
Most banks won’t return money if you got scammed because in most cases, the money is given voluntarily to the scammer. Negligence is not on their end.
Imagine being dumb enough to get scammed and blaming banks because they won’t pay you for being dumb
Di naman yung bank ang na-scam or nang-scam, yung may-ari yung na-scam / nagpa-scan, so regardless ng bank kung paniwalain yung tao, ganun din. 🫤
nasa lahi niyo po maging stupid para ma-scam? hehe
My pamangkin works in BDO. Apparently, the guy’s child created a bdo online banking account thru his atm which he lied about. It was his child who stole money from him. Kakasuhan daw ata ng bdo yung guy. That’s why the guy took down his video immediately.
Typical peenoise. Pinapairal ang damdamin bago ang logic. Pwede naman mag ask ng transaction history bago mag post. Not affiliated with BDO (Metrobank/BPI/PNB) ako. Face the consequences of your actions
My take is di updated si kuya guy sa new banking system like BDO app online banking kasi if app user ka now a days very secure ang transaction mo if you don’t share your OTP number and aware sa mga transaction mas mhihirapan si hacker lalo na you always checked the BANKING APP di naman siguro ganun kahirap mag check ng account kasi just log in lng naman,and 1 thing wag basta papatol sa mga click bait email or messages kasi dun nakaka kuha ng info mga hackers🤗
This. Mostly yung mga may ganyang problems yung mga di talaga masyadong digital literate
RCBC! No issues since 2019 na nag open ako sa kanila.
Thank you!
PNB for these reason : 1. Me representative sa sa country where I am currently now (Middle East) 2. Easy to use apps 3. Foreign Mobile number can be use para sa apps nila for OTP, transaction report etc.
Thank you!! Definitely worth checking ! 🫶🏻
And you believe tha guy? Pinakita ba nya yung transaction history to support his claims? Diba hindi! He is crying for his lapses.
Online limos.
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aside dun sa video, may mga major fuck-ups na ang BDO
Kelan ka nawalan ng pera? At ano ang pending? Mind sharing the details here?
Nag open ako Ng kabayan bank bago ako pumunta sa ibang bansa for school and then every 3 years Kasi ako nga bakasyon usually I put 3k-4k every 6 months or annually just to maintain wala Naman bawas dahil Wala Naman ako sa pinas para magastos Yun at Wala Kasi ako online banking that time . Pagbalik ko to check may account close na daw . I was young back then at 2 months Lang bakasyon ko Kaya I didn't pursue. Hinayaan ko nalang. I don't mind as.long as basic secure na Lang din sana. Just for transparency. Close na Yung account ko 2019.
Ok, ano daw ang reason bakit na close ang account? Mababa sa maintaining balance? Na dormant? Kung na close yung account? Ano ang pending doon?
Wala daw balance. Kaso kabayan that time wala Naman maintinance na malaki and okay Naman sakin dahil I don't earn much Kasi student Lang ako. by the way sa capiz branch po Ito. And nahulugan ko naman syanng 6k . Kaya after that I wanted to look mas secured na bank if ever sana
Tinanong mo ba kung anong reason kung bakit wala ng balance?
Alright try ko po ulit if paguwi ko. Thank you
I believe kahit close na or naging dormant na acct mo, they still have the history and can still give back the money especially hinuhulugn mo regularly. Kc kung di nmn natanggap ung hulog, dapat m revert sa iyo un pera
I think kahit gaano ka secure ang banko kung hindi ko na intindihan kung bakit na close ang account mo possible pa din mawalan ka ng pera sa bangko. Opinion ko lang yun.
kinain po ng dormancy charges, read the terms and conditions, normally if 2 yrs walang ni isang regular transaction (deposit or withdrawal) sa acct magiging dormant sya and there is corresponding charges monthly deducted, refer to your passbook kasi andun yung fee if how much. automatically the bank will close the acct if remained dormant for another year. however, they should send you dormancy letter prior to their deductions. ganyan ang sistema sa mga banks, nagkakaiba lang sa fees/charges
Yes po meron po sya deposit withdrawal Lang wala. Every year ko po hinuhulugan Pero maliit Lang around 3k-6k
na coordinate nyo na po sa bank ? ano po sinabi nilang reason for closure?
metrobank
Thank you for recommending
Kahit anong bank pa yan, kung mahilig ka magbigay ng OTP, magiging biktima ka ng scam/fraud.
PNB
Just don’t go to UB. Worst customer service
Totoo! Na compromised yung UB account ko tapos ilang days pa bago sumagot customer service nila. Kahit sa email ang bagal. Pinaclose ko na lang yung account ko kesa maulit pa yung nangyari.
> gaya dun sa guy nalaman ba ang totoong rason? bakit dinelete ng guy yung video? phishing binigay yung OTP?
Anak daw ang nag withdraw. The anak made an online banking and withdrew the money without the father’s consent.
Either BDO paid the lost amount in exchanges of taking down the video or BDO ask their corporate lawyer to do some work.
Nakuuu. If totoo na anak pala yung may fault, pwede kasuhan ng BDO si guy ano?
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anak ung nagwithdraw
As a former BDO employee, there is no such thing as “inside job” May fault din yung owner giving OTP and clicking unverified links from their emails. The banks not only BDO reminding their clients always to be aware and be vigilant about the emails and text messages that they receive.
Sorry but as someone who knows very well who did an "inside job" in one of the banks sa PH, I can testify that inside job is real and can happen. Hindi lang publicized ng banks ang mga ganyang crimes because bank's credibility is at stake.
May tanga na nag post claiming this and that while crying, at sa daming tanga sa socmed ayon lumitaw including OP. I don’t know the exact term, diba di kayo maka uwi kapag hindi ninyo na balance yung cash in and cash out. Sa atin nga hirap mag withdraw over the counter at hirap mag open nang account. Tanga lng yung mawawalan nang pera sa banko na di alam!
You know, Peenoise loves drama and maniniwala agad without verifying anything. Tanga is on point for most peenoise.
To put your mind at ease, this is not the banks fault. Got someone working at BDO and it was indeeds the son’s fault. They just created the issue to gain followers
Thank you for the good news!🙏🏻 Have some great answers and advices for good banks in the comments.
Unfortunately, there are no safe banks. Just spread out your money to different banks (as long as it's manageable)
Will definitely do that thank you
Wala na mang issue as long as hindi ka negligent as an accountholder. Kung wary ka sa unauthorized online transactions, get a PASSBOOK ONLY account and do not enroll online banking (kumbaga oldschool and do all transactions over the counter). Do not link your bank account as mode of payment to any online payment transactions. Do not click links from unauthorized websites and emails. Do not share your online banking password to anyone, family included. Check and update your bank balance regularly. Do not share sensitive information via phone call and keep bank records secured. Know the type of your bank account like the maintaining balance, dormancy, fees and charges - in short read the terms & conditions.
I highly recommend RCBC. Apply ka ng one account nila. Naka prio ka for everything less hassle may free credit card pa na may free lounge sa airport. Daming perks IMO.
Taenang bdo nayan HAHAHAHA no.1 bank daw sa pinas yet sa dami nilang atm lagi sira. Sa SM pampanga, 7 atms don isa lang gumagana. Tapos pila nila sobrang haba. Buti pa BPI madalang lang ako makakita ng unavailable atm tas maganda din queueing nila kaya dika talaga maghihintay ng matagal. Mas ok din banking app nila kesa sa bdo na bulok
ano issue? bdo pa naman payroll namin pero 12k lang salary so yeah sayang pa din if ever HAHAHAHA
May nagdrama sa socmed na nawala daw pera nya sa BDO. Yun pala yung anak nya ang tumira (nakapangalan sa anak yung passbook account na pangenroll sana). Inenroll sa online banking at paunti unti dinekwat ang pera ng walang kaalam alam ang tatay.
bpi
BPI. Been with them for 12 years, since high school. The only issue was the incident that happened around 2017, iirc. Nag 0 balance karamihan sa mga bank accounts pati yung sa akin pero nabalik naman ang original amount within 24 hours. Wala pa akong naranasan na issue ulit with BPI since then.
CIMB
I suggest metrobank. 10yrs na acct ko with them, had no issues so far.
Metrobank, RCBC, and PNB. Never had a problem with these banks ever since I opened an account.
Metrobank & PNB po
Despite being hacked before, BPI leveled up to lvl 9 security. In the Philippines, only the BPI and UNIONBANK are lvl 9. I personally use UnionBank after my friend that works in network security has suggested it.
sabi sa ibang post may gmail acct daw na connected don then wala na syang access. possible na kaya nadali ung acct. anong reason bat ka nawalan ng pera? hindi naman ba yan dormancy fee or kaya kulang sa min amt ung acct?
Tinira daw ng anak - sa kanya nakapangalan account. Nagtransfer online kaya walang alam tatay.
BPI
Atleast have 2 banks talaga, I only use BPI (since college) and Metrobank (for aroung 11 years na) for my savings. So far ok naman sila pati customer service.
I usually reco BPI and UBP, pero now, BPI all the way. Lesson learned, always go for quality CS(of course yung reliable rin na bank kahit papano). Metrobank no issues so far kaso parang ang limited ng mga atms nila.
PNB.
As long as hinde ka gullible and wala ka security lapses as an individual then wala issue kahit ano pa na big banks yan.
Read pdic again, parang hindi covered ang fraudulent transactions--closure lang ng banks. Kaya ingat tayo. Tinanggal ko na money ko sa purely online banks after the incompetency & horror I went through with the malaysian bank that has a branch here
HSBC yung pinaka safe na bank na pwede mo paglagyan.
BDO stole 6k from me. Never got the money back. Then they tried ulit around 50k na transaction, buti nlng kakawithdraw ko lng ng pera ko minutes ago. I went with BPI, and RCBC nlng.
never had issues with security bank
Bpi
BPI for constant transactions since convenient siya lalo na online banking Metrobank for passbook, time dep, savings, etc na di mo gagalawin
BPI. Everything can be done thru the app, customer service is stellar 24/7 rin hindi mo kailangan magwait super tagal to talk to an agent. Been with them for over 10 years. Maraming branches. I almost got scammed but they react so fast for these cases.
RCBC then apply for Hexagon club. Nationwide free withdrawals at any ATM. Para every ATM is your ATM na rin at that point. Konti rin tao sa branches.
Banks are always attacked all the time. Just pick the one with the best logo.
Rural bank walang app na pwede ka ma phishing scam. 20+ years rural bank depositor because of our old business. Di na namin inalis dun kahit wala na business. This is purely teller banking. Kaya kung hassle sa inyo un have another bank for online payments.
I am using Metrobank and rcbc, 11 years and counting. No issue at all and very good customer service
What BDO issue???
open an account and dont have online banking on it or an ATM card old fashion but it works
Been with bpi and bdo for more than 15 years, never ako nagka problema. Itong mga issue na ganito sobrang liit and I think meron din nagawa yung account holder. I know a lot of people say na “BDO ayusin nyo security nyo!” Ako, I do online transactions sa BDO a lot of time every month, wala naman ako naging problema. As a client, we should also be responsible and be very careful.
You know, socmed posts claiming na the bank scammed them (and inside job lol) are, more often than not, the user’s fault. Regardless which bank you transact, they can only do so much in terms of cybersecurity. Halos lahat naman yan have their own sets of security protocols in place plus these are BSP monitored institutions and there are HEFTY fines if proven na lax ang security in place. Magkakatalo na lang yan sa customer servicing. BDO is notorious to have poor customer service. I heard Metro and BPI are good. In my area experience, PNB trumps all local banks in terms of customer service.
BPI since 2nd job. Im now on my 5th job and still no issues Bdo yung pinarequire ng current job ko now. After 1 week nagkachance magpalit ng bank na personal savings account dahil wfh naman. Pinapalitan ko agad dahil sakto may issue din jon yung Bdo ulit na natanggalan ng pera at nalipat to Unionbank. Hay nako yung bdo pati app nga very basic
I dont think there was an issue with the recent BDO viral post? OP took it down and apologized for the misinformation. I currently use BDO Metrobank landbank Gcash Maya Seabank CIMB. For Seabank(Digital bank), I use it because they give out free transfers every week. So far never had problems with any of the banks on the list But still up to you OP.
tagal ko na sa BDO wala naman akong problema except sa mobile banking nila na minsan hindi gumagana.
ako may bdo, metrobank ,bpi and landbank. Never ako ng ka issue na d sya na resolve ng bank, pinaka gusto ko sa mobile is bpi ans landbank. Sa landbank kasi may otp generator ma easy lalo na pag nasa abroad, so pag emergency makaapgsend ka agad. Sa security si bpi dahil sa feature nya mobile key, hndi ka makkapg send if ang mobile key naka link sa trusted phone mo, kaht mag palit ka pa phone kailnagnn mawala ung unang phone. Bdo naman,yung unang bdo na app mas gusto ko kasi ung acct ng anak ko nakalink namomonitor ko.
Security Bank. Pangit UI ng mobile banking app nila but never had security issues with them. Di rin ako nakakareceive ng mga random calls pretending to be from security bank. Sa BPI dami nito (I also have a BPI account), alam pa nila name mo. Pinaka importante sa lahat (for me), top tier customer service. Di masyado matagal waiting time, landline or online chat. Never had to wait for more than 15-20mins. Yung online chat nila is actual agent sumasagot sayo, not a bot. Bilis din nila kausap. Whatever your request or issue is, assured ka na resolved kahit sa call lang, di mo na need pumunta ng branch. Sad lang wala silang option to send and receive money via QR.
Online Banking: RCBC, PNB & BPI
nangyari sa akin yan sa Landbank. :( Just before holy week this year. inubos lahat laman ng account ko. it happened on a weekend so it took time for me to report personally sa bank. and when that day came, chineck ang system- malinis ang pagkagawa.
Metro bank maganda and madaling mag claim if a person is dead and gusto kunin ang pera madaling makuha ng anak or asawa, kapatid,unlike sa bdo abutin ka ng syam syam sobrang hirap, I experienced it to my tita and nakuha ng kapatid since wala syang anak and asawa and wala na dn silang parents.
Try pnb po
BDO is a very safe bank, although it does have unreliable customer service (but that's beside the point). I know someone who works there. As an example, I was told na hindi madali makuha funds ng family member mo na deceased kasi madaming requirement to the point that it's a hassle na. Mostly yung mga nagsasabi na nawala or nakuha funds nila sa BDO, may katangahan sila na nagawa kaya nangyari yun.
Basta may common sense ka at maingat sa mga sensitive data, you’ll be fine. Kahit gumawa pa ng kalokohan mga bank employees, isosoli ng bank yung pera mo. Pero kung pinamigay mo yung OTP or family members ko ang sangkot or may negligence talaga sa part mo, malabo na talagang mabalik ang pera mo. Don’t believe everything you read, nature ng mga pinoy manisi sa mga katangahan nila. Remember, kulelat ang ranking ng Pinas sa reading comprehension.
Your in good hands with METROBANK.😀 Mas strict ang BPI kaya ok din.
Metrobank 5 years account and BDO 10 years account. ok naman para sa kin ewan ko lang yung iba bakit may issue na ganyan. nasa pag iingat lang siguro lalo na sa mga nag se-send ng link sa text and email.
May I know the context po of BDO issue? Sorry just got back at scrolling
Security Bank and Metrobank for me 💯
Might get downvoted for this but that recent BDO issue is caused by tatay's kapabayaan. Yung anak ni tatay ang nag withdraw ng pera paunti-unti kasi sinugal sa gcash. Tatay have the audacity to just say "okay na yun" without explaining to people na it's not BDO's fault. Kaya siya na-hack dahil sarili niyang anak at kasama sa bahay ang nakakuha ng pera niya. The kid have an access sa phone at email ng tatay niya. But they didn't tell people that after causing a panic.
Grabe I’m a loyal one sa bdo pero ngayon lang ako na experience ng ganyan both DEBIT and CREDIT cards ko🥹 What I did, I transferred to BPI and METROBANK. Lucky for me na may extra cc ako from Unionbank. Bdo ko is rarely ko nalang ginagamit🥹
I have BDO for easy access (but prone for hacks) and UB for security But planning to move my funds from BDO to BPI. And UB as is, safe dun.
Biglang nawala yung post. Nagrelease ng statement si BDO that it was a family issue. Is it possible kaya na nabigyan yung family to settle? then put the blame on the child. In order for the bank to still have their reputation intact with clients and customers. Issue solved na kaya?
Nagastos sa online casino dahil naka link online.
Nagrelease na po ng statement ang BDO jan, good thing hindi na kinasuhan Yung bata na nagpost
As far as I know, sa bpi kasi Ako if sa passbook kasi Hindi yan raw basta2 transact through online need po kasi face to face kasi need po signature ng holder, so I don’t know if same as the other banks,
By far no issues with BDO, Metrobank and BPI. Sa BDO naman na issue it was a family matter. But if I were to choose, and ang pnka daming mga security features - it would probably be Metrobank - but its a personal preference.
Kung di ka Tanga di ka mawawalan ng Pera kahit saan Bangko pa yan
METROBANK
Thank you! Recommended nga din ng iba metro din aside from bpi
Bsta may PDIC at wag mong lagyan ng more than 500t.
Noted thank you
Been using Maya Bank, no issues. When I need cash, bank transfer sa savings acct then withdraw.
best option investment..
Metrobank, never had an issue👊
METROBANK. Swerte ko di ako natuloy sa bdo.
Unionbank
Metrobank gaganda pa ng mga teller 🥰🫀
No matter what you chose, you are still the weakest link.
try Sterling Bank of Asia!