You Can Always Bank On Filipino Stupidity

The other day I needed to deposit 500k pesos in cash into my bank account with BDO. It was on a weekday midmorning and the queue was obviously quite long. So I lined up as any orderly person would do and waited for my turn to come at the queue. It was about 30 minutes of waiting in the queue before my turn comes. I would be the next customer to be called from the 3 tellers manning the counter. Was I glad that the wait was finally over, I thought to myself.

But at that very moment there was a lady staff sitted at those desks counters called out to me if I was there for deposits. My replied was yes, and she offered to assist me in the transaction. Obviously her intention was to help out the tellers as the queue was never ending during that period of time. Boy, I was glad that I could go over to the desk counter and be sitted while she do the transaction, after been standing for over half hour!

Here comes the pissing part of the story. She took my cash and actually started to count them manually!. I said wait a minute here young lady, you’re not going to count those cash with your fingers and brain, and she replied yes, she had to do it manually as there was no machine next to her and that she would have to go 3 desks away to use the machine. I told her to use a cash counting machine instead as I’d been standing in the queue for 30 minutes and it was already my turn at the counter, and the tellers would have used the counting machine to check the cash. Besides I told her I’m rushing for time and I can’t wait any further, but she did not get my message and continue to keep counting the cash!

That was when I started to lose my cool and I raise my voice to insist she go count the damn cash on the machine. I ask her if she was going to count manually if I were to deposit 1 million or even 2 million in cash. I told her to use her brains, or bloody initiative, if she had any! And I further told her that she was not helping me by asking me to come to her desk to deposit, as it was already my turn at the tellers. So after my loud rambling at her desk, which attracted many onlookers and even the manager, she brought the cash to the machine 3 desks away, put the cash in, and in less than 10 seconds, it was all clear and done – the full 500,000 peso cash counted!! To add further to the Filipino stupid mentality, I bet if a Filipino was in my shoes that day, he/she would have accepted the situation without raising an eyebrow.

This is just an incident of meeting Filipino stupidity head on in our daily lives here.



Published in Banco De Oro, Filipino Stupidity


  1. Profile gravatar of Captain PFB
    Captain PFB

    You gotta just love how they (not) think. Filipinos are no more mentally equipped to offer real customer service, to consider the customer’s time, convenience, or needs anymore than a monkey can.

    They really are incompetent at pretty much EVERYTHING.

  2. Profile gravatar of Fr. Bong Bong Jolog Jun III
    Fr. Bong Bong Jolog Jun III

    The staff at BDO are each, shining examples of just how unthinking and often downright stupid the average Pinoy really is. There is no such thing as a smooth transaction with them. From the use of archaic relics like carbon paper, to completely pointless (and endless) notarization’s, and administrative procedures that literally defy description – nothing is simple or straightforward with them. More Filipino Fail.

    1. Profile gravatar of Captain PFB
      Captain PFB

      I once lost my BDO savings passbook. Went to tell them I need a new one. They said I need to write down that I lost my passbook, and go have it notarized. WTF??????

      It’s like a bunch of dumb unsupervised 1st grade children playing bank. Fucking idiots.

      1. Profile gravatar of Fr. Bong Bong Jolog Jun III
        Fr. Bong Bong Jolog Jun III

        Don’t even start me on the notarization nonsense that they carry on with. I recall having a discussion with the manager of a BDO branch where I was trying to open a (Filipino) company account, about the specific purpose behind some notarization’s. His explanation bordered on the imbecilic, so I offered to “step the process through” with him, confirming at each stage that I was across the requirement.
        After completing that, I pointed out that complying with the process required the commission of at least two crimes, punishable with a custodial prison sentence. His idiot response was “…for the auditor, Siiiiir”.
        After trying (very patiently) to have this complete fucking moron understand the consequences of complying with their “procedure”, I got frustrated and said to him “So, you need me to assist you in the commission of an actual crime, so that the auditors can confirm that the crime has been committed correctly, in order to open the account that I need?” His imbecile response; “Yes Siiiir”.
        Stupid really is a forever thing.

        1. Profile gravatar of Captain PFB
          Captain PFB

          When faced with logic, reason, and simple common sense, the Filipino seems to go into turbo mega moron mode, and just can’t process it. It’s like they vapor-lock.

      2. Profile gravatar of FHPS

        yep had that … got to go to a solicitor …try that overseas!! and how much do lawyers charge
        and the other thing my card snapped, just broke in the corner
        so they charged me for a new card!!!
        what? my account pays ZERO INTEREST and they collect a fee off retailers
        greedy dogs

  3. Profile gravatar of beameup

    You should try another BDO branch – they do vary. I suspect that the “manager” often hires relatives, rather than the “best qualified”. I ran into this as I tried to open my first BDO account. I got nothing but hassles with the first branch I went to. The woman manager was a real bitch. Then I walked 100 yards (meters) down the street to the next branch, and it was “no problem” from the manager. Later I had the same type problem with Union Bank, as I had to open the SRRV USD account. The woman “semi-manager” was a real bitch, insisting that I must get a Postal ID before opening the account. I talked to the “real manager” and told him that all I needed was a P.I. driver’s license. He agreed. It took me a total of one hour to get the license and open the account. Now, 6 weeks later, I’m still waiting for my Postal I.D. So, either switch branches, or talk to the real manager (as long as it’s not a middle-aged female bitch).

    1. Profile gravatar of Fr. Bong Bong Jolog Jun III
      Fr. Bong Bong Jolog Jun III

      Not as simple as that when you are also meeting local SEC filing requirements. The unfortunate reality is that the SEC requirements (which are borderline retarded by any standard that you might wish to apply) are a large part of the problem. Because of them, the banks are forced to come up with bureaucratic procedures in order to satisfy SEC requirements.

      The average idiot working at BDO struggles to cross the street without being run over, and is mystified by both the process and the reasons for it when opening accounts for companies that are yet to be incorporated. In order to deal with that, the local managers create “cheat sheets”. In the situation I am referring to, the cheat sheet was actually incorrect (and had been for three years). I understand that this is common.

      All of the staff (manager included) were clueless about the role of an auditor. In addition to that, none of them understood the actual role of a Notary – despite endless demands from them for Notarized documents.

      Put all of those factors together, and you have the perfect environment for completely fucking everything up. Unless you were visiting a CBD branch of BDO (or any other bank) where they deal with these kinds of requests daily, I have ZERO doubt that the entire process would be fucked up.

      Things can be no other way when you are deal with institutionalized ineptitude, willful ignorance and unmitigated stupidity. That is exactly what you are dealing with at BDO.

  4. Profile gravatar of Don Quixote
    Don Quixote

    How about using another bank branch. for a withdrawal.
    MY GOD, the fucking drama involved.
    You would swear blind that this was the biggest drama in their pea brained mind, that you WOULD NOT drive all the way back to your branch.
    The fact you have 100 pieces of ID on you and they have a computer linked to Manila where the actual account is held is irrelevant.
    Be prepared for the fucking ordeal and don’t be in a hurry.
    If you are anywhere in Luzon it may be quicker to go to head office in Manila to get served.

    1. Profile gravatar of Mike

      I had about 8,000 pesos in one account at Landbank in Qc and went in to close as no longer needed it. I was told I could not close it. Reason? I had to give them TWO WEEKS notice before closing the account. Try figure that one. These people make a severely retarded person look like a super intellectual.

      1. Profile gravatar of Hey Joe
        Hey Joe


        About the same thing happened to me.
        My solution was to just pop over to the ATM, withdraw it all, or all I could in round numbers anyway. Call it dome.

        LOL, then they wanted the minimum balance fee later ..!!..?? 🙂 sue me!.. I asked you to close jack me around to do simple thing, so go stuff yourself and your fees. and the white horse you rode in on.

        1. Profile gravatar of Mike

          Hey Joe,
          Ever notice that they pay less interest on a dollar account than they do a peso account? Then they charge U.S. rates on their fees on dollar accounts. Open a peso for 200 pesos but takes $500 to open a dollar.

          1. Profile gravatar of Hey Joe
            Hey Joe

            Yup, and the tax removed on interest in a USD account is in USD.

            Good deal if you are a bank.

          2. Profile gravatar of Mike

            Hey Joe,
            You notice something else? The North and South toll roads, MRT/LRT fees are based on and adjusted according to the dollar/peso exchange rate. Saw that on tv few years ago.

  5. Profile gravatar of FHPS

    IVE HAD situations that are so stupid. I had 2 staff on trying to get out money at one place that said they couldnt process me as my middle name was on my licence and passport and they took it as my first name ie. like JOHN PHILIP DOE — they said the money Your id says your name is JOHN PHILIP but you wrote on the form that its John – theres a problem as we have to follow guidelines and the money (it was coming off my card from overseas so a self to self transfer) says the money is from JOHN DOE — THEREFORE sir we cannot give you this payout

    i said fuckwits – that is my middle name the passport and licence write it as one line
    JOHN PHILIP DOE cant you see it has that under christian,/middle/surname
    after i fired up the girl burst into fucking tears!!
    arrrgh wtf

      1. Profile gravatar of FHPS

        i mean take this:
        1. two ticket sellers to movie
        2. movie in 15 mins, girlfriend says in cebuano – … 2 tickets please to xxx
        3. now that should be clear
        4. she pays only to find tickets issued are for a movie in 3 fucking hours!!
        5. ask refund
        6. sorry sir we cannot refund
        8. she refuses, “go to the other cinema goers and swap sir”
        9. huh??? theres no one here, that movie is in 3 hrs
        10. i said i want to get your manager
        11. she breaks down crying – she flatly refused to give a refund! for her mistake
        12. then over the movie time, manager had come back and authorised a swap.

    1. Profile gravatar of Don Quixote
      Don Quixote

      I had staff member tell me I couldn’t spell my own name WTF.!!!!!!!!!!!!!!!!
      OK, a goodie.
      I went to BPI and they noted my ATM car was due to expire, so we ordered a new one.
      GOOD SO FAR.
      The new one arrived in the allocated time.
      I looked at the card my middle name was spelt wrong.
      NOOOOOOO!!!!!!!!!!!!! thats not how I spell my name.
      BUT SIR, that is the only way to spell your name.
      BUT SIR!!!!!!!!!!!!!!!!!!!!!
      Ok get out my account signature card. She complies.
      What does that say.?????????????????????
      BUT SIR that is wrong. !!!!!!!!!!!!!!!!!!!!!!!!
      So even the original signature card was wrong. According to this genius.
      Knowing the flip mentality I stuck to my guns and forced them to order me a new card with the correct spelling on it. Because as we all know if there is one fucking syllable out they will have a hissie fit one day when it mattered
      My incorrect Middle Name is ALAN my fathers and grandfathers name and spelling.
      We were not talking about some wild name here.
      HER spelling Allan.
      After this bull shit Ive found two Flip Senators with the same spelling as mine, not spelt the way she wanted.
      THEY WILL NEVER EVER ADMIT THEY ARE WRONG, even when she sighted the original hand written document with photocopied details off a Passport. she argued.

      1. Profile gravatar of Mike

        A filipino admit they are wrong about something? That will never happen. God himself could come down with 10 pieces of valid ID’s and tell them they are wrong about something and they would still insist they are right. Sometimes I think god (if there is) set up the philippines and made filipinos as an experiment in stupidity. All was going well and it was contained until other countries provided a means for the filipino to get out of the petri dish and fuck up his experiment.

  6. Profile gravatar of Don Quixote
    Don Quixote

    I have a mate whose father died, he was a JUNIOR until then, So when he got his new passport he advised them he wanted the junior removed as his father had passed.
    NO PROBLEM with the US Govt. they removed it put a memo why it was changed ,
    done and dusted.
    THEN HE CAME BACK TO THE PHILIPPINES with a US Govt. Check without Junior as the Payee .!!!!!!!!!

    BUT SIR !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
    you are not Mr Junior now we cant give you any money from your account as the account is in the name of Mr Junior, even though he had been using this Bank and Branch for ten years.

    It took him nearly a week to go in and change all his accounts into NOT MR JUNIOR and transfer his money into those new accounts.

    Lucky he thought he had his old passport with Junior too identify himself, and his current drivers license.

    BUT SIR !!!!!!!!!!!!!!!!!!!!!!!!!!
    This passport has expired so it is not good for Identifying you anymore. Your new Passport is not MR JUNIORs
    You will need an attorney sir to prove who you are.
    Did I say he had banked with the same Bank and Branch for 10 years.


    1. Profile gravatar of beameup

      Best not to confuse Filipinos as they always go “by the rules” and cannot figure things out for themselves (“logic” part of the brain is missing – there’s just a hole there).

      “If it ain’t broke, don’t fix it”.

        1. Profile gravatar of Mike

          Did you have trouble with PFB on 1 and 2 July? Any thime I went to open the PFB I got a big sign saying PFB was down for major maintenance and would be back up shortly.

          1. Profile gravatar of Sarah

            I had trouble all night. Could not open PFB in any of the hospital computers or my own personal tablet. I got a message saying it was undergoing maintenance. It’s been like that about 2 nights in a row and yes, could have been July 1 & 2.

          2. Profile gravatar of Mike

            I got it early am on july 1st and it lasted until noon july 3rd every time i brought up PFB.

  7. Profile gravatar of Mike

    That’s what I got. It was blue background with yellow letters , mine said “undergoing major maintenance”. Then at the bottom it had a “like” button and Filo name. Got that for 48 hours straight any time i went to the website.

  8. Profile gravatar of Zaxx

    Phil institutions just love to see people in long queues – standing for hours in line. The more suffering they can inflict to make life harder – the better.

  9. Profile gravatar of kalbo

    Do you know people who are involved with pyramid schemes (scams)?

    I noticed on facebook today a filipina friend posted a screen shot of one such scheme. Lots of people at the bottom and a few people at the top, with an “account balance” of $10,000 dollars showing.

    The girl was encouraging others to join the scheme, called “Success200”. Hummmm….

    Anway, I told her to be careful as it was probably a scam.

    “It’s for open minded people, my friend” was her rather catty reply. Ooooppppsss. Well good luck to the lot of ’em.

    Sounds a bit like the “just have faith” and “gods will” line of thinking….

    1. Profile gravatar of 30-30

      Multi Level Selling is a ponzi scheme.. They seel you a ”territory” a bunch of high priced junk nobody wants to buy.. Vitamins is a perfect example.. If the product is so good ,, why dont they sell it in MOA??
      p/s i still have vitamins from 3 years ago gathering dust.

  10. Profile gravatar of Don Quixote
    Don Quixote

    And that even includes the Philippines, and they do prosecute offenders.
    They will extradite you faster than shit, even if you escape.
    It is because you ripped off the poor, so you will get no protection even from your Govt.
    The US call them PONZI schemes.

    Unless you are a rich flip then nothing will happen to you

    1. Profile gravatar of FHPS

      It gives me the shits talking to a lot of filipinos. They come accross sometimes as all sweet
      and after a while (in the conversation ) you hear:

      Sir .. why dont you buy a house and lot
      Sir, why dont you invest in a condo
      Sir, I have 8-in-1 coffee
      Sir, have you tried this drink mix
      …fuck me… they always got some side line “slide line” business as well
      based around either reselling condos or a MLM product thats fucking overpriced.

      —- normal travellers to the Philippines would say (didnt happen to me)
      yea .. normal travellers dont experience day to day life
      living and traveling here are two totally different things

  11. Profile gravatar of 30-30

    the manila airport is the worst
    1. you want load,
    2. you want hotel room,,
    3. you want taxi or ”friend”
    4. where are you going??
    Frig them pack of theives

    1. Profile gravatar of Mike

      I saw the link and have one question. Can any filipino get in front of a camera without stupid poses or bragging???
      Never mind I forgot we were talking about filipinos. But I do have one question,,,,


      1. Profile gravatar of Beavis

        Anyone can do that. My secret is to take pics of expensive resorts that I didn’t stay in and of fancy restaurants that I didn’t actually go to, and post those. It really impresses all my friends when I do that.

        1. Profile gravatar of Mike

          I’m such a nice guy and willing to help a friend I’ll tell you what I’ll do. Go to London and I’ll let you pose in front of my summer getaway house call Buckingham Palace with my Maseratis, Lambos, Rolls and Bentleys and such. Just tell the guards who you are and show them your PFB avatar as ID and they’ll kindly show you around.

          1. Profile gravatar of Mike

            When you get there you might see this lola walking around that everyone calls “Your Majesty” and “The Queen”. You just ignore her but if she ask you tell her I gave you permission to use any room you wanted.

    2. Profile gravatar of Sarah

      Who’s the porker in a red shirt that won’t open his eyes? Can someone please tell him that he don’t looked good at all. In fact, I’ll put him in the “panget” basket.

      1. Profile gravatar of Mike

        Now here’s what you did not see in the pics. He most likey got out of a jeepney or trike a block or so away and walked to the meetings then told them he sent his car and driver on errands. Waits till everyone has left then catches a jeepney or trike back home. Also if he’s making great money like he makes out to be, how come he’s wearing a cheap Lacross gator shirt and crappy clothes. I mean at the least he should wear button up shirt with slacks and a belt. Sarah has a point about his face. In every pic he has his face all squished up like trying to hide his ID.

        But here is the really stupid part. Let’s say he is legit (stop laughing!!!) and in every pic he is flashing large amounts of cash along with the others in the pics. How long you think it will be before a gang signs a member up so can case the place then text his friends when to come and rob it. Just wait, it will happen. Beavis, do you have the guns, masks and get away vehicle ready?

        1. Profile gravatar of Sarah

          I would not even bother robbing him. We won’t even get even enough to pay for our fuel and a snack at Jollibee after the job! He’s got bullshit written all over his porker face.

          Yeah Mikey, what’s a “lambo”??

    3. Profile gravatar of 30-30

      frig me rAGged,, iwasted 2 minutes of my life to hit the website and i seen this idiot all over face book,, Yes they love facebook because it does not cost anything.
      Maybe he can fool the massa with his bullshit.. yes, he is going to the flips rich rich by selling them some over priced crap with a ”protected territory”, all they have to do is spend money on his product.

  12. Profile gravatar of YK Liew
    YK Liew Post author

    1 and half years already since I bought a car and the licence plate is still not ready. I mean what the fuck! In my country, it would be the very day you collect your new car and the license plate is already there! I really can’t imagine the sheer fucking stupidity of this country. Everything here is fucked, from government agencies to private companies.
    Just to mention a few shits here about these organizations and the people:
    1. Long fucking queue in every govt agencies. No efforts are made by the people heading the organization to improve the situation. They’re content with customers suffering.
    2. Telling you to go out side to make photocopies of documents when there’s a copier machine just next to them
    3. Here in Bacolod, big supermarkets like SM and Gaisano selling rotting meats and vegetables. There’s a terrible stench around the meat section. I mean what the fuck really is going on here. But the filipinos accept this as part and parcel of their lives. They don’t complain. But I do and I’d been filling out complaint forms whenever I shop there. Gaisano selling broken furniture on display and if you ask for a new set, the idiotic salesman will always tell you there’s no stock. They just want to get rid of their display sets, but at least the fuck they could do is to slashed the price of the display set, but no, they sell at the same price! What stupid moronic fucktards.
    Nowadays I just laugh at their stupidity instead of getting worked and stressed up. You can’t change them. The stupidity is so embedded in their genes, that 95% of the population are stucked and trap in this dire situation.