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ATM Usage: Fees and Tips in Philippines: real experience from chats

Short answer
ATM withdrawal limits in the Philippines typically range from 10,000 to 40,000 PHP per transaction, with a standard fee of 250 PHP. Always decline the ATM's offer for currency conversion to avoid unfavorable exchange rates, and prioritize using BPI or HSBC machines for higher withdrawal limits.

From real experience

In the Philippines, ATM withdrawal limits and fees vary by bank.
Bank of China: 20,000 PHP limit, 250 PHP fee. BDO (Banco de Oro): 10,000 PHP limit, 250 PHP fee. BPI (Bank of the Philippine Islands): 40,000 PHP limit, 250 PHP fee. Euronet: 10,000 PHP limit, 250 PHP fee. HSBC: 40,000 PHP limit, 1% fee. Landbank: 10,000 PHP limit, 250 PHP fee. Metrobank: 10,000 PHP limit, 250 PHP fee. PNB: 10,000 PHP limit, 250 PHP fee. PSBank: 10,000 PHP limit, 250 PHP fee. RCBC: 250 PHP fee (limit not specified). Security Bank: 10,000 PHP limit, 250 PHP fee. UCPB: 20,000 PHP limit, 250 PHP fee.
✓ 1 report from chats
When withdrawing cash from ATMs in the Philippines using foreign cards: * **Fees:** A flat transaction fee of 250-300 PHP is typically charged, regardless of the withdrawal amount (most commonly 250 PHP). * **Limits:** Most ATMs limit withdrawals to 10,000 PHP per transaction.
Some BPI (red) ATMs might allow up to 20,000-40,000 PHP, while BDO (blue) ATMs often stick to 10,000 PHP maximum. * **Conversion:** ATMs will often strongly prompt you to convert USD to PHP using their bank's exchange rate ('guaranteed rate'). This rate is often unfavorable, potentially costing up to 10% more. It is generally recommended to decline the ATM's conversion and let your own bank handle the currency exchange. * **Currency:** ATMs dispense Philippine Pesos (PHP), not USD.
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When attempting to withdraw cash in the Philippines with a Russian UnionPay card (e.g., from RSKhB), users report varying success and limits.
Banks like BPI, HSBC, and Chinabank are frequently mentioned. ATM withdrawal limits typically range from 10,000 to 20,000 PHP per transaction, and these limits can differ even at the same ATM for different users. If an ATM fails, try another one from a different bank. For higher withdrawal limits, it is suggested to visit a bank's physical office.
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When withdrawing money from ATMs in the Philippines, be aware of potential withdrawal limits.
While some ATMs, like those of BPI and ChinaBank, may allow higher limits, it's advisable to look for HSBC ATMs or those located within bank branches for a greater chance of accessing larger sums. Limits can vary, and banks often aim to profit from transaction fees. The standard limit in some locations, like Manila airport, might be as low as 10,000 PHP.
✓ 1 report from chats
Financial tips for Philippines travel: 1. ATMs are available, but withdrawing cash outside of major hubs (like Manila airport) usually incurs a 4-5% penalty due to less favorable exchange rates.
2. Some establishments accept QR code payments (like Sberbank/UnionPay where applicable). 3. Carrying large amounts of cash is generally discouraged due to security concerns; cards are widely used in developed areas.
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For withdrawing cash on the Philippines with foreign cards: Expect a standard ATM fee of 250 PHP per transaction.
GCash is a popular alternative; look for signs saying 'Cash In/Out'. You can use GCash via local agents (Palawan Pawnshop, M Lhuillier) or sari-sari stores. Always check the bank's exchange rate before confirming the transaction.
✓ 1 report from chats
Credit cards are accepted in many establishments in Manila, especially in malls.
However, it is advisable to carry cash. ATMs are available, with BPI ATMs dispensing up to 40,000 PHP per transaction. The withdrawal fee is typically 250 PHP. Card acceptance may be more limited on islands.
✓ 1 report from chats
BPI ATM at SM City Puerto Princesa (lower floor, parking entrance) allows single withdrawals up to 40,000 PHP with a 250 PHP fee.
This is a higher limit alternative to the standard 10,000 PHP limit found in other machines.
✓ 1 report from chats

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