BDO Kabayan ATM Debit Card — Can It Be Used Outside the Philippines?

Updated May 29, 2014:

Some readers asked if the BDO Kabayan ATM Debit Card can be used to withdraw money from ATMS outside the Philippines, so  I emailed BDO Customer Service and asked.  I was pleasantly surprised that the customer officers replied immediately.

According to Ms. R. C. of the eServices unit, the BDO Kabayan ATM Debit Card and any other BDO ATM debit card can be used to withdraw money abroad as long as:

  1. it is active
  2. and it has sufficient balance.

For holders of BDO ATM debit cards with the MasterCard logo, withdraw at the ATM of any foreign bank in other countries with the Cirrus Maestro/PLUS logos.

If your card is a BDO ATM debit VISA card, withdraw at ATMs abroad with the VISA/VISA Plus logos.

If your ATM card does not have a MasterCard or Visa logo, you cannot withdraw from ATMs abroad. 

These are the transaction fees for ATM withdrawals abroad:

  • Balance Inquiry –  US$ 1.00
  • Withdrawal –  US$ 3.50

For unsuccessful ATM transactions such as wrong PIN,

insufficient funds, exceeds limit, etc., you will be charged US$ 1.00.

For your financial needs abroad, do not rely solely on your BDO ATM debit cards while abroad.  Your cards may not work all the time.

Related Article:

BDO Kabayan Savings and BDO Remit Cash Cards for OFWs

OFW Parents: Take Advantage of Free Internet Banking to Manage Your Childrens Weekly Allowance


Add a Comment
  1. Is kabayan savings the same with the debit card? How can I activate my card if I’m here in taiwan? Can I use my kabayan savings or card for international online shop? Thanks

  2. Hi lani, sorry but you can activate your atm card only at a BDO atm here in the Philippines. Your Kabayan account and your atm card is one and the same account. You have only one account no. Your atm card should have a Mastercard logo, so you can use it abroad, after activation here in the Phils.

  3. Can i use my bdo kabayan debit card with mastercard logo to book for a flight? It has 16 digits and have pin at the back

  4. Hi Butch, if your Kabayan ATM card has a Mastercard logo, an expiry date and a 3-digit security code at the back of the card, you can use it for online shopping.

  5. dear BDO I’m in qatar. I sent money to my sister in hongkong thru BDO, but found out that her account is no longer active. so I again put the money to my account so I can withdraw and send it through another money transfer. but when i withdraw through my atm here in qatar and in other branches, i could no longer withdraw. I have verified from manila that my account is active and that the money I deposited was already credited. and my atm has logo master card and kabayan savings. any good advice from your office to withdraw the money for she need it badly. please

  6. Hi norman, sorry I’m not a BDO employee. If you opened your Kabayan abroad, and have not activated your atm card in the Philippines, then your atm card will not yet work. If already activated in the Philippines before, call BDO Qatarcode-800-8-631-8000, or ask your inquiry here: Or if you have BDO online banking, and if you have a trustworthy friend/relative in the Philippines, you can use “Send Money for Pickup at BDO branch”, and ask that friend/relative to pick up the money and send the money immediately to your sister in HK through Moneygram or Western Union.

  7. Hi im marilene. I just want to ask if i can use my atm kabayan savings to check my savings through any atm machines here in abu dhabi. THANKS FOR THE HELP.

  8. Hi Marilene, yes, if your atm card has a Mastercard logo, and the atm machine there has a Mastercard logo, and you have changed your PIN here in the Phils. Balance inquiry costs 1 US dollar

  9. hi bdo how much is the exchange rate when i use my kabayan savings debit card for shopping here in saudi arabia.thank you

  10. Hi Raymond, it’s more practical to use your own cash there for shopping. The exchange rate will surely be lower – it’s the Mastercard rate that will be applied. And usually there’s a foreign transaction charge.

  11. Hi po, I registered for online banking and went to a bdo atm machine for validation. It was okay. The receipt says “Thank you for activating your electronic banking. Your request has been accepted for validation.” Now, I cannot yet access my online banking, the request is pending :(

  12. Hi kjcaissa, that’s BDO’s process, you wait for maybe a week. Check from time to time. Have your phone with you, as BDO sends your one-time password to your phone.

  13. Hi Nora my atm card is kabayan saving have Mastercard logo can I use shoping for international and booking a ticket… Thanks

  14. Hi I have BDO kabayan saving with logo mastercard, can I make online shopping and booking ticket?

  15. Hi Almira, you can withdraw from an atm machine abroad with Mastercard logo. About paying shops or stores abroad, ask first the cashier if you can use your Mastercard debit card.

  16. hello ms/mrs Nora. I just want to know if the benefactor of the BDO kabayan could withdraw everything in the account or just the amount I wish to send? I am confused between the remittance thing and the savings thing. also could the local atm be used also in depositing in the account or it just work for claiming purposes? thank you for your response!

  17. Hi! I have an online shop and I need a deposit account in bdo with small maintaining balance. Can I apply for kabayan savings even if I am not an ofw? Please reply, thanks

  18. Im an ofw and my mother just opened an account with kabayan cash card? How much is the transmittal fee?

  19. Hi Laurice, price depends on where the remittance comes from. If from KSA or UAE, the remittance fee ranges from 200 pesos to 800 pesos

  20. Hi i need help. Can i use my bdo atm visa debit card to pay for paypal online? will they accept?

  21. Hi need help, i’m here in the philippines, and i already open bdo atm visa debit card, can i used this to pay online using paypal. My transaction is in saudi.

  22. Hi nikkov, see if your card has an expiry date and a 3-digit security code at the back. If yes, you should be able to use it to pay your purchase. First, add your Visa card to your Paypal account. After your Visa card is already verified, you can use Paypal to pay your online purchase. At the point of payment using Paypal, Paypal will get funds from your Visa account. There will be charges, so make sure what you’re paying for is worth it.

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