A Simple Way to Help Kids Start Their Saving Journey

Teach your kids the importance of saving by opening an account as a BDO Junior Saver

For many kids, money arrives in small but memorable ways—a birthday envelope from Lola, loose change after a grocery run, or a few coins earned from helping around the house. To them, it feels exciting. For parents, it can also be the beginning of something bigger: learning how to save.

Teaching kids about money doesn’t have to feel like a formal lesson. Often, it starts with something simple—setting aside a portion of what they receive, talking about what they’re saving for, and helping them see how those small amounts can add up over time.

Because when it comes to raising financially aware kids, families don’t need to do everything all at once. We find ways—and we make it easy.

One way to start is with BDO Junior Savers, a savings account designed for children up to 12 years old. It gives families an easy and accessible way to introduce saving early, while making the experience feel exciting and age-appropriate for kids.

Starting Small—Just ₱100

Big habits often begin with small steps.

With BDO Junior Savers, families can open an account with just ₱100 and maintain a monthly average daily balance of ₱100—making it manageable for children who are just beginning their saving journey.

Once the balance reaches ₱2,000, the account starts earning interest. It’s a simple but meaningful way for kids to begin understanding that money can grow when it’s saved with intention.

A Passbook Kids Can Feel Proud Of

For children, seeing progress makes all the difference.

BDO Junior Savers comes with a kid-friendly passbook, giving kids a tangible way to track their deposits and watch their savings grow over time. Flipping through those pages and spotting new entries can feel rewarding—and can turn saving into something they look forward to.

It’s a small ritual that can make the idea of saving feel real.

Saving as a Family

Saving becomes even more meaningful when it feels shared.

Parents, grandparents, and loved ones can contribute through cash gifts or checks addressed to the child, turning birthdays, milestones, and celebrations into opportunities to build toward something bigger.

Parents or guardians can also monitor activity through BDO Online and BDO Pay, making it easier to guide kids through each deposit, answer questions, and celebrate milestones together.

Building a Habit That Lasts

At the heart of it, saving isn’t only about how much kids put away. It’s about building habits that can stay with them as they grow.

When saving feels simple, accessible, and even fun, children are more likely to keep doing it. Sometimes that habit starts with just one small step: a first ₱100 deposit, a new passbook entry, or encouragement from family along the way.

With Bud the Saving Buddy cheering them on, kids can see saving as something positive—an adventure they can begin early and build over time.