A very personal blog

Frustrating! Why you can’t link your BDO Debit Mastercard in GCash

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Last update: October 2, 2019 (Successfully linked BDO Mastercard to GCash!)

Long story short, BDO blocks GCash transactions because it considers it a high risk app.

According to a BDO customer support agent, Mastercard has added more security layers in its platform restricting several apps, like GCash, from transacting with your bank account in order to minimize fraudulent activities. 
In order to link your BDO account to GCash, you have to call BDO Hotline and request to whitelist your account. In this process, you have to confirm that you have no other means to shop online, or have no other card you can link to GCash. Otherwise, they won’t process your request.
BDO clearly doesn’t want you to link your account to GCash because of its many potential security threats. But I think they’re not allowed to explicitly discourage you because that’s denial of service? Hehe

So if you’re considering using your BDO card for GCash transactions, look for other options. Or just quit using GCash altogether, their customer service sucks so much it opened a new level of disappointments for me. 

Story time!

The only reason I wanted to link my BDO to GCash is to allow me to transfer my BDO funds to my BPI account without having to go out to withdraw and deposit. It was an exciting thought, to be able to cash in my money from BDO and move it seamlessly to BPI. Real time and without charges. Wow. That’s just so ideal for me as I’ve been doing this whole withdraw then deposit process manually for the past 2 years. 
But when I tried to link my BDO Debit Mastercard in GCash, I always receive this unfortunate message:
“Sorry, your card enrollment cannot be processed. Visit http://bit.ly/DebitCardErrorInfo to know more about failed enrollments.”

So what should you do?

1. Forget about asking GCash Care or reaching out to any of their hotlines. 
They were NEVER helpful in my months long attempt of trying to ask WHAT’S WRONG. Even if you’ve provided ALL the details they need to look into your account, they will always, and without fail, ask for it again. They never review your request. They’re just delaying your request until you eventually give up and forget about it. 
I call it rude, lazy, and a fckn customer service disgrace. But then I thought they were probably doing it on purpose to discourage people from actually using BDO because the bank has put so many restrictions on GCash. 
At this point they could have told you to call BDO instead to whitelist your account right? BUT NO. They don’t know that detail. Or they’re purposefully withdrawing that basic information.
Which leads me to only step that matters,
2. Call BDO Hotline at 02-631-8000 (landline)
Tell them you can’t link your BDO account to GCash. They will inform you of the Mastercard security features they’ve put in place blah blah blah and ask you if there’s really no other card you can use. Then they’ll get your account number, card number and a few other info for verification.
They’ll lodge your request to whitelist your account number and have you wait for 4 hours or a confirmation message coming from BDO. After that, you can try linking your account again…
I got this message from BDO nine hours after the call and immediately tried to relink my card.

Did it work?

NO! It didn’t! Much to my dismay, which I’m growing more fond of, my card still won’t link, and I’m still getting the same unfortunate message.
So what now?

Nothing. I don’t want to deal with it anymore… at least for now. 
If you’re experiencing the same problem, I hope calling BDO to whitelist your account works for you. It didn’t for me, but I sincerely hope it works for you at least. Please let me know if it does, I want to learn of success stories! Maybe I’ll try to look into it another time… when I’m not feeling so hopeless.
UPDATE (August 2019):
I tried to link my BDO debit Mastercard to GCash again, AND FAILED. I called BDO to confirm why it’s still not working even if I’ve already had my account whitelisted, and the customer rep told me I need to coordinate this with GCash because everything is fine on their end, at least concerning my account.
I emailed GCash support once again, sent all the details they needed, and finally they answered with something more conclusive:
So it’s BDO’s fault?
So that ends it. No luck getting BDO to work on GCash. Hay.

IMPORTANT UPDATE (October 2, 2019)

Finally! Linked my BDO Debit Mastercad to GCash! Was also able to successfully cash-in from my linked BDO savings account as well, for no extra charge — the very reason I stick to GCash for my interbank transactions. FI-NA-LLYYYYY!!! 
Thoughts? I think it’s ultimately a Mastercard issue. I feel sorry for blaming BDO and GCash for all of this. But hello, they should also know not to keep their customers in the dark about what’s happening with their credit companies. With this level of issue, we need technical answers.
It’s also worth noting that we had OTP problems recently with our other Mastercards from Security Bank and BPI, which we escalated to customer service. Interestingly, they got resolved at the same time. Then I got the idea of randomly trying to link my BDO (even if I was 100% sure it would lead to more unnecessary frustrations) since it’s a Mastercard, and holey moley, for the first time in this gruelling journey, IT FKN LINKED.
So, my advice? It’s not you. It’s them. So just wait it out.


Alternatively, if you still can’t find yourself to link BDO to GCash, TRY PAYMAYA instead. I’ve been able to cash-in money from my BDO account to Paymaya, then from Paymaya to my other bank accounts. FOR FREE. 
  1. Download PayMaya on your mobile device
  2. Register using my invite code so we both get ₱50 credits!
  3. Click on Add Money >> Using Debit or Credit Card >> Using New Card
  4. Enter your BDO Mastercard card details, along with the amount you wish to transfer
  5. Cash-in amount will be credited to your PayMaya wallet in real-time
  6. Now, if you want to transfer your PayMaya funds to another bank account:
    Click on Bank Transfer
  7. Enter bank details >> Continue
  8. Funds will be sent real-time using InstaPay