Can I Withdraw from My Philippine ATM Card Abroad?

“Can I withdraw cash from ATM’s here in (name your country of work) using my Philippine bank’s ATM card?

This has been asked by some of my OFW readers in the past but I have not found time to answer until now.

So, is it really possible for an OFW to withdraw money abroad using his Philippine ATM card? Here’s the answer. (Sencia na, pa-bitin effect lang.)

Yes, you can withdraw from a foreign bank’s automated teller machines in your country of work using your Philippine ATM card.

So if you have an ATM card from Philippine banks like BDO, Metrobank, BPI, RCBC, PNB, etc. with you in your wallet that bears the MasterCard or Visa logo then you can withdraw cash abroad in times of emergency.

How Much Is The Withdrawal Fee?

I tried withdrawing cash myself using my BDO ATM card from a Saudi Arabian bank in Al Khobar called Saudi British Bank (SABB), which is actually HSBC.

Singit Trivia: Foreign commercial banks do not carry their original international names for their branches in Saudi Arabia (except in Riyadh head office operations). The bank name has to show that it has a solid partnership with Saudi Arabia or its local financial firms.

Okay, back to your question. How much is the withdrawal fee being charged by the foreign bank when you withdraw from their ATM?

Here’s a screenshot of my BDO account statement after I pulled out SAR500 or equivalent to Php6,091.85. The service charge debit is 159.92, or roughly 2.6% to 3% of the amount withdrawn.

BDO Withdraw

Please take note of the withdrawal limits of your Philippine bank and the foreign bank where you are withdrawing money from.

Is It Safe To Withdraw Money Abroad Using PH ATM Card?

Whether it’s in the Philippines or abroad, your safety depends on your vigilance and awareness. You’ve heard horrifying stories of people getting robbed or even murdered after or during withdrawal of cash from the ATM in the Philippines. That seldom happens in the Middle East (but it happens as well, sometimes). But with solid police presence, the Middle Eastern authorities can easily scare away bad elements of their cities.

I will be more concerned on the scammers using ATM’s to victimize people. You can check out anti-fraud sites or the FBI for the types of ATM schemes that may happening in your area.

Photo credit: Tax Credits (Flickr)

Also, the inconvenience of coordinating with your Philippine bank and the foreign bank where you withdrew your money from in case when your ATM card has been “eaten” by the machine. Sobrang hassle nyan. Even if the foreign bank has a tie-up with your Philippine bank, this may take some time before any issue like this is resolved.

So use your Philippine ATM cards abroad during emergency situations only. In our case, we also keep some of our emergency funds in our Philippine bank accounts.

Keep on saving. Keep on investing.

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P.S. 2. My co-author and illustrator Des Feliciano and I has just launched our “The Adventures of Pepot Kuripot and Dora Gastadora” comic book! It’s arguably the first and only personal finance-influenced comic book in the Philippines. Order your copy now from our website http://pepotanddora.com and have it delivered right at your doorstep. Or you can grab your copy yourself at The Pantry at 07 in Makati City and ilovemilktea in Las Pinas City.

14 thoughts on “Can I Withdraw from My Philippine ATM Card Abroad?”

    1. I have a Metrobank debit card but why i can’t, use it here in America?? Do I have to register for international use?? Can you help me how I am gonna do it or what Web site of Metrobank? ?

      1. Hi Jane, if your Metrobank debit card has a Cirrus or Mastercard logo then you should be able to use it in the US. You may also try to call the toll-free international number of Metrobank indicated in the back of your card for assistance.

      2. On its recent announcement, Metrobank advises all its accountholders especially those who are ATM/Debit/Prepaid Cardholders that the international use of Metrobank ATM, Debit, and Prepaid cards shall be available only upon request.

        If you are a Metrobank accountholder and you expect to use your card internationally or are planning on travelling abroad soon, please contact your branch of account to activate this feature. The purpose for this is for additional security.

        Please don’t forget to bring your valid id upon requesting for activation.

        For urgent concerns, call the Metrobank 24/7 Customer Hotline at 8700-700. For provincial areas, call toll-free 1-800-1888-5775.

  1. Hi, I am here in Dammam, Saudi Arabia. I am going still to the bank or I can just use the ATM (machine) my card is metrobank and it has MAster Card Logo


  2. pwdi poh bng dto wedruhin sa taiwan yong perang ihuhulog sa account q bdokabayan saving poh gamit q at mag kno poh ang limit

      1. hi sir na try ko po sa islamic bank and invalid transaction . i ask the officer in charge sa loob sabi nya kng na activate ko daw ung atm ko for international use kasi need pa po daw un thank you

  3. Hello poh, may Kabayan saving ATM poh aqoh andito aqoh saudi Bakit hnd poh aqoh maka withdraw pls reply my email pls Lang poh.

  4. I am here in malaysia i have debit atm card ng development bank of the philippines(dbp) sb ng dbp ok mgwithdraw provided member ng bancnet may logo ng visa dbp kso lging invalid transaction ntwgn na din dbp sb nla ok bkit d aq mkwithdraw via atm?

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