Frustrating! Why you can't link your BDO Debit Card in 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 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.


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