Here’s how to fix BDO ATM Withdrawal Error. What to do when you tried to withdraw money from BDO ATM, but it did not dispense cash even though the money was debited from your bank account?
I recently experienced the same scenario. If you want to know how to fix this and how to get your money back as soon as possible, read this post.
The day after the scary earthquake, I helped my mom with grocery shopping in SM. We needed more cash, so I tried to withdraw some money at the nearest BDO ATM machine.
I used my BDO debit card and knew my current balance before withdrawing money, so I did not make a Balance Inquiry check. I inserted my card into the machine, entered my PIN code, and selected to withdraw 10,000.
BDO ATM Withdrawal Error
After a couple of seconds, the ATM slid out my card, and the screen prompted me to take my card and wait for my cash. I could hear the machine counting out my money already, but it wasn’t fast, and it sounded unusual this time.
I waited for a few more seconds, but nothing was happening. The machine kept on counting money, but no money was coming out. I waited for two more minutes, then four minutes, then five minutes. The queue of people behind me started to go longer. I told them, “sira ata ang machine.”
Fortunately, there were security guards near the ATM as it was located near the mall entrance. I asked for help and was hoping for assistance. The guard told me, “ATM might have run out of cash. Better report it to BDO.”
I did not want to leave the ATM while it was still trying to count cash. I just asked my mom to go to the BDO branch nearby to request assistance. While waiting for her, the ATM stopped the dispensing sound, and it went back for the usual available new transaction. I still stayed there waiting.
I then checked my BDO cash balance. I made a Balance Inquiry. As expected, P10,000 was debited to my bank account. I went to BDO and reported it.
What to Do When BDO ATM Withdrawal Did Not Dispense Cash?
- Do not panic
- Make a Balance Inquiry
- Keep your Receipt as a Reference
- Call BDO Hotline at 631-8000
- Report the Error
- Wait for one business day
How to Fix BDO ATM Withdrawal Error (Quick Resolution)
How to fix BDO ATM withdrawal error? I went to the BDO branch right after the incident when I tried to withdraw money from a BDO ATM, but no cash was released even though it was deducted from my account balance.
As usual, there were many people in the BDO branch. The kind BDO staff told me I needed to call the BDO hotline and report what happened. The BDO branch is also required to make a report of the incident. I waited another time while the phone line was busy.
I decided to make the call at home instead. We wanted to go home sooner because of the possible earthquake aftershocks.
I called the BDO hotline at home and reported the incident. The nice guy on the line told me it would take around five working days before the money would be credited back to my account. I asked him how should I know when it’s credited back. He told me BDO would text me or email me, so my mobile number must be updated.
I told the BDO staff on the phone that my mobile number and email address were already updated. I also asked if there was anything or any action I needed to do aside from calling BDO. He told me that there was nothing I needed to do more except to wait.
BDO ATM Withdrawal Error Fast Fix
I was sure they would return my money because every bank transaction needs to be in balance. The debits and the credits need to reconcile.
Thank God, I did not need to wait for five workings days. BDO returned my 10,000 to my account the next day. So yeah, it only took 24 hours after I called them. I received this text message from BDO (screenshot below).
Ako din po I used my card from Landbank to withdraw sa ATM of BDO kaso it was not dispensed tapos na idebit pa po sa account ko.
Hi po nagkaron po ako same problem kanina lang po (while under ecq) landbank po ang card ko and since sobrang haba ng line sa mga atm ngayon, I tried to look for a more less crowded spot, and that is sa BDO atm.. My first use is no problem, pero ung 2nd withdraw kopo, dun na nagloko ang machine, I can also hear it as if mag lalabas na sya ng cash pero wala sya nila as.. And then ang tagal nya na stock, and after bumalik ung screen sa normal, when nag check ako ng balance ko the amount was already deducted! This is very frustrating especially these days… Plus the point na walang hotline available kanina as it was ecq and also Saturday… I hope Landbank and also BDO will look on this… Nag email palang ako sa Landbank, since I have no choice but to wait till Monday:((
Ano pong sinabi ng landbank? Same incident po kasi tayo.
Hi, I experienced No cash dispense atm withdrawal BDO ATM offsite and my account is with BPI but BDO claimed successful transaction and no overage encountered. We filed request for CCTV viewing. Have you encountered anything like this?
Hi,
We’ve encountered the same scenario. You can call the Customer Service from both your bank and BDO to file a claim. They would say wait 3-5 business days. Unfortunately for us, it’s been 8 business days already and the issue has not been resolve yet.
Very frustrating.
Hi, I also experienced the same scenario. Pero wala akong receipt or any proof na di sya nagdispense ng cash. They are also claiming na successful nga ang widthrawal. It’s been 2 weeks already pero hindi padin naccredit back yung pera ko????
Hi, I think faster action pag BDO ang account and ang machine coz they can investigate faster. I hope mabalik ang money mo
@Jocelyn @ Jonas Nacredit na po ba yung pera nyo? I’m really frustrated na kasi for reinvestigation nanaman sya and I think same procedure lang din naman ang gagawin nila. I’m still thinking if I‘m going to request for the cctv retrieval becoz I have to pay another 1thousand and still no assurance of getting My money back when it’s should have been part of their investigation process. Pls. reply 🙁 I am hoping and praying @Ms. Fehl ????
i encountered this today same amount you withdrew 10,000 my card is BDO and i withdraw at BDO bank to pay may credit card to them .,, and honestly im worried what will happen what if they didn’t return my money the BDO branch help me they are the one who called the customer service so i can report that the machine didn’t dispense my money and i talk to them the branch employee are nice they say it will be returned but still im worried im still at panic as of this moment
No worries BDO will return your money to your bank account
And it’s not just for foreign cards. If your card is from a bank different to BDO, you should contact you own bank first, becuase BDO doesn’t have your money, the bank that issued your card does, BDO can’t fix the problem,
You could waste a lot of time waiting in line for help from BDO, only to be told, “Go to your own bank”.
The thing to check first on a “No Dispense” problem is, did the money actually get debited from your account? If it did not get deducted then really it’s not a problem. Just an annoying ATM malfunction.
Be well,
Hi Fehl,
Nice to see a post from you again. We both have not been blogging much lately, diba?
I have had several “No Dispense” incidents with BDO ATM’s over the years. I’v e followed the same procedures you did and always had my money credited back to my account … so, as you say, don’t panic people, it happens.
One thing to keep in mind if this happens when you are using a foreign ATM card or a card from a different Philippine banking network is to realize BDO does not have your missing money. BDO acts merely as a money transfer contractor serving the bank which owns the card you use … so the refund/re-crediting of the funds has to take place in the bank which issued the card. Contact them immediately if a “no dispense” incident happens … BDO does not “have your missing money, the bank who issueed the card, the bank where your account resides is the one who must refund.
Hi, David 🙂 Yes, I’ve been doing some optimizing stuff lately so barely posting but I’m keeping up haha Thank you for sharing your experience with ATM withdrawal error. It’s a hassle when that happens. It’s nice to hear about foreign ATM card banking. Would help a lot of foreigners here. 🙂 God bless!