Are you already starting to wonder why do you keep on forgetting your Debit Card Pin code for your ATM?

Do you want steps on how to recover your security pin?

Even though you might still be young, this naturally happens due to a lot of factors (e.g., busy for work, the account number might be old enough triggering memory loss, long time gap before you’ve actually had a chance to open your account again, pin code that doesn’t have any resemblance, etc.)

Well, no one’s perfect, and we all had those embarrassing moment.

I, too had forgotten my ATM pin also, but lucky for me I have recalled it after some time.

Admit it or not, you’ve been through a moment in your lives wherein passwords for different accounts (e.g., ATM Cards, Mobile accounts, Online Gaming Accounts, Phone Lock Passwords, etc.) were forgotten out of the blue – password blackout – then depression came in.

Well, don’t be too frustrated to shout “I forgot my Debit card pin!!!” or “I forgot my pin for my Debit card!!”, just keep calm because it’s practically normal.

Quick Links

What Is a PIN?

A personal identification number (PIN) is a security code for verifying your identity. PIN is numeric only—there are no letters or special characters in a PIN.

When you use your debit card, you need to enter your PIN on a keypad.

Never share your PIN with anyone. Remember it. Do not keep it in your wallet or on your card.

Quick tips on how to effectively recall our blocked ATMs:

1Recall if your pin number forms a visual pattern on the keypad
2Imagine what you have felt during the time that you were entering your pin number. Think of what number would you want to enter during that specific day.
3Recall if your pin number is somewhat the same with your other accounts
4Recall if there is a story behind your pin number. Maybe it is the date that you bought your first car or the date that you slipped from a puddle.
5Think if your pin number is connected to other people associated to you. Maybe it’s your crush’s number at the pageant and so on.
6Think if your pin number is convertible to words
7Remember if you had any encryption formula for your password

Note: This is also applicable to those who forgot their credit card pin.

How to prevent a forgotten password happening again?

Be sure to follow these ideas so as to avoid the said scenario from happening again.

  • Create a visual pattern in the keypad every time you enter your pin number
  • It’s unsafe to write down your pin-code however, it is okay to write it down in an encrypted form depending on the encryption formula that you prefer, then hide the paper in a safe place
  • Think of any memorable word that you can make out of your pin number
  • Associate your pin number to any memorable moment of your life

Now, pin or password security is a different idea, you need to add extra security measures and be particular in everything you do with your card. Here are a few tips to follow:

  • Regularly change your pin code
  • Do not tell to other people about your pin code
  • Do not lend your ATM Card and ATM number to somebody
  • Cover your hands while entering the pin numbers at the ATM machines

However, be careful for there are many instances of ATM pin blocked because of entering an incorrect password – BDO’s maximum pin attempts is 3 times per day. Also, if you really can’t remember your password, then the only choice is to call the BDO and apply for a replacement card at your BDO Branch. On the brighter side, this is their process of adhering to the security standards of their company which is why you should be proud of it.

The tips earlier all applies for those who have changed the default password that BDO has given them. If you are still using your default pin number, then enter that. It can be seen at the envelope that BDO has given you with your card.

Additionally, default pin has their own complex algorithm which ensures the uniqueness of every pin to all of their clients.

Of course banks will not spill whatever algorithm they are using due to a lot of hacking attempts that has been made and has penetrated to different banks across the world.

It was said that it is due to the algorithm made by the default password of every card. But for additional information, there is this One-Time Password (OTP), a 6 character code, which enables the user to activate their Online Banking System.

Entering the OTP being sent in your mobile phones is a requirement to fully access the online banking feature. OTP uses a pseudo-randomness to make algorithms that is difficult to hack.

OTPs are based on time, previous OTP Password, and randomness so it’ll be difficult for the hackers to use the pin again.

How many attempts for Debit Card or ATM Pin?

  • Like any banks in the Philippines, Metrobank, Bank of the Philippine Islands, Land Bank of the Philippines, Philippine National Bank, Security Bank Corporation, China Bank, DBP, Union Bank, Rizal Commercial Banking Corporation, Citibank and HSBC gives you a maximum of three (3) attempts to enter your ATM Pin in an ATM machine.
  • Do not make an attempt for the fourth time in the same machine.
  • Do not try to use your card for another 24 hours.
  • After 24 hours make an attempt.
  • However, if you check your ATM Pin from a different bank’s ATM, for an incorrect pin input that is

How to get my Forgotten BDO ATM Pin?

Furthermore, you might be wondering what to do if the pin tries has already exceeded.

  1. Go to a BDO ATM machine and enter your 6 digit pin number
  2. There is a maximum of 3 tries per day for an incorrect pin input, you can go back tomorrow and hopefully enter the correct pin number to prevent it from being blocked.
  3. If your card is already blocked, it is important to call the BDO regarding the matter
  4. They’ll be asking you series of questions: one of which is the 12 – 16 digit number for your card and other personal information to verify your identity.
  5. They’ll be advising you to go to your BDO Branch then tell them about the situation
  6. Due to security measures, ATM passwords will never be retrieved by the BDO. So be sure to apply for the Replacement card and bring the necessary information telling BDO that you really own the card.
  7. Once successful, having a replacement card will need you to enter again a new pin number

What should I do if I forget my user ID and password?

For forgotten user ID and password, the MB App has a URL link which when clicked, would redirect you to for your user ID or password reset. This is applicable to BDO Online Banking user IDs which are not yet locked.

For accounts that are already locked, the client will be required to call BDO Customer Contact Center to request for a password reset. The client will have to undergo a positive identification process.

24/7 BDO Customer Contact Center

For more information, questions, or concerns:

Metro Manila:


Domestic Toll-Free:

1800-10-631-8000 (PLDT)
1800-3-631-8000 (Digitel)
1800-5-631-8000 (Bayantel)
1800-8-631-8000 (Globelines)

International Toll-Free:

(International Access Code)-800-8-6318000

What if my mobile device gets lost or stolen?

Please visit to change your old password to a new one immediately. Logging in to your BDO Online Banking account, however, requires an OTP which would be sent to your registered mobile number. If the lost device happens to be the smartphone where your nominated mobile number is stored, it is recommended that you choose to answer your Challenge Question.

If you have also forgotten the answer to your Challenge Question, proceed to the “Update Link” button found on the Online Banking landing page and update your mobile number or your Challenge Question. Proceed with login by providing the system-generated OTP or the answer to the newly nominated Challenge Question.

Once logged in, you will be required to perform the following additional steps:

  1. Go to “Enrollment Services”.
  2. Choose IMEI.
  3. Choose View / Delete IMEI.
  4. Choose the device that will be deleted.
  5. Click on the “Delete” button.
  6. Provide answer to the “Challenge Question”.
  7. Once answer has been validated by the Online Banking system, a reference number will be generated and an e-mail notification will be sent to your registered e-mail address. The screen will also display an acknowledgment page that confirms the action performed.

I forgot my BPI ATM PIN, what should I do?

If you had 3 wrong PIN tries in a day, your card will be temporarily blocked and will be automatically unblocked the next day.

However, if you already had 9 consecutive wrong PIN tries (for BPI Debit Mastercard) or 10 cumulative wrong PIN tries in a year (for magstripe BPI Debit card or BPI Debit EMV Cirrus), your card will be permanently blocked.

If your card has been permanently blocked, please go to any branch near you or call 89-100.

I forgot my PIN, what should I do?

If you forgot your PIN, you will need to request to have your debit card replaced at any branch near you. Once you have received your new debit card, you will be required to nominate a new PIN.

How can I request for a debit card replacement?

There are 2 available options:

1 Through any branch near you
2 By calling 89-100

Note: There is a debit card replacement fee of ₱150.00.

If you have a magstripe BPI Debit card scheduled for card replacement to BPI Mastercard, click here.

What do I need to do if I lost my debit card?

Please report the incident immediately by calling 89-100 for Metro Manila or 1-800-188-89100 (using PLDT line) for domestic toll-free calls. You may also check our international toll-free numbers, where available, if you are outside the Philippines.

Alternatively, you may visit any branch near you for assistance.

What do I need to do if my debit card was captured at an ATM?

Please report the incident immediately by calling 89-100 for Metro Manila or 1-800-188-89100 (using PLDT line) for domestic toll-free calls. You may also check our international toll-free numbers, where available, if you are outside the Philippines.

Just remember that having these experiences enables us to learn from our mistakes – because experiences are the greatest teacher of our lives. In our own little ways, we might discover some techniques that can help us on a regular basis. So how about you, have you experienced these difficulties?

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Loid Jay B. Kadile
Loid Jay B. Kadile

hello good eve. i just wanna ask. if hindi mo na maalala ang password ng iyong atm card? ano po ba ang gagawin thanks.

noel apolinario jr

hi good morning,
im here in dubai,iniwan ko atm card ko sa mama ko and na block nya ang atm,anu gagawin namin to get the money,because we need it badly..pwede ba mag over the counter kahit wala ako sa pilipinas?thanks

Mj gutierrez
Mj gutierrez

Hi good af. Tanong ko lang po kasi naka 3 attempt po ako ng pass so mali po tas nablocked po said sa machine. Ano pong ggawin ko to claim a money? Bdo cashcard po. Ty.

anelyn pelayo
anelyn pelayo

Hi goodevening, hindi na po ba replace ang atm card, pag nakalimotan ko kasi yung pin ko?

Julie ann reyes
Julie ann reyes

Hi I wanna ask.pag pumunta b kami sa bdo branch anu2 ang req sa nalimutan ang pin code sa ATM ko.


Can I still swipe my card or pay for online transactions after it was blocked?


Hello! Tanong ko lng ano pwede gawin kng nawala ung pin ng Atm. Ung original pin n galing mismo s bank. Hnd ko p kc n pin change. Wala po ako s pinas iniwan ko lng s family ko..Thank u po!


Last year 2017 i opened a BDO new account in POEA branch and this new atm card with my daughter , sadly i forgot my pin number , i want to use it for my monthly remittance please advise what possible i can do from it. pls help me