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. Hi drenz, if the left column is Credit and the right column is Balance, that means your 120 SAR is already back in your account. I’m just puzzled that you were able to use your Kabayan account to purchase online. I think it’s better if you make a balance inquiry at a Mastercard-linked atm machine to check your balance.

  2. Hi Ms Nora

    Can I widraw cash using my BDO Kabayan Savings here at Saudi Arabia. My card is still active which I opened in the Philippines. How much is the charges? Thanks.


  3. Hi Noel, find an atm machine with Mastercard/Maestro or Visa logo (same with logo on your card). Withdrawal fee is around 3.50 US dollars; balance inquiry fee is around 1 dollar. Note that there are times the BDO-Mastercard/Visa link is off.

  4. Hi Lance, I used to reply that you cannot use it, and many others agree. But there was one who commented here that she was able to use it to buy from a fashion site. If there’s Mastercard or Visa logo, expiration date and security code on your atm card, you can try. Or you can apply for a Smart Money card (go to for online purchases.

  5. Hi Denise, yes, you can, specially SM supermarkets. If not SM, before you get goods, ask first the cashier if they accept BDO atm card swiping for payments.

  6. Hi, can BDO change my kabayan atm card because it has no MasterCard logo on it, I applied kabayan bdo a long time ago and since I tried to have my balance inquiry in kuwait it didn’t recognize because it doesn’t have a MasterCard logo on it.

  7. Good day! I am based here in kuwait & i have with me the bdo debit card.i have used it before here then last week until now I tried to transact all atm machines decline my atm card though its still active & still fund on it. Please assist me it’s urgent. Thanks

  8. How can I withdraw my savings here in kuwait? I hold bdo kabayan ATM card,which is maestro and circus logos.only?

  9. Hi ms nora, how can I register my beneficiary in pinas while im here in kuwait? I want to transfer my savings to my beneficiary. What’s the fastest way?pls help me..

  10. Hi irene, yes, use an atm machine with Mastercard or Maestro logo. But there are times the BDO-Mastercard link is off, so make a balance inquiry first (1 US dollar charge).

  11. Hi irene, sorry I think there’s no fastest way for transfer. You can register your account in BDO online banking, but it will take time since you’re abroad. Linking your beneficiary’s BDO account to your account will also take time. If your beneficiary in the Phils need the money, the fastest way might be to withdraw there (if your atm has Mastercard logo and if the Mastercard-BDO link is working) and then send the money through a remittance company there.

  12. Hi Erle, do you mean the card goes out after you enter it? Or the screen says your card cannot be recognized? Do you think the card has been demagnetized? Or the BDO-Mastercard link is just off for a while? You can call BDO, or inquire here:

  13. Hi Ruth, yes, you can ask BDO for a card replacement, but you can do that only at your BDO branch when you vacation in the Phils.

  14. Hi Nora,

    I own one BDO Debit Card (w/ Mastercard logo). I am planning to use this while I am abroad. is there a need to activate my card? or I can use it directly? thanks much!

  15. Hi cha, have you changed your PIN before? Are you using your atm card here in the Phils? If yes, you can use it abroad at a machine with Mastercard logo.

  16. Hello I want to open a new account at bdo and i want it to use it abroad i will open with a mastercard network how many digits does a BPO pin have? 6? in europe, their atm have 4 pin digits only. Thank you

  17. Hi Althea, upon opening, tell BDO you want an atm with Mastercard, as usually they give an atm without Mastercard. BDO PIN has 6 digits. I think atm machines are also programmed to accept PINs with 4 or more, maybe up to 10 digits, as BDO account owners have withdrawn at Mastercard-linked atms abroad.

  18. Hi ms Nora, how much is needed to open a kabayan BDO atm debit card? I’m having my vacation soon and hoping to get an atm before coming back here to saudi and that i can use it here to withdraw through atm. Is it available at the POEA BDO branch? Hoping for your response. Thanks in advance

  19. Hi norhan, you need just 100 pesos to open your Kabayan peso account. Bring your passport and any proof of being OFW (remittance receipt, OEC, etc.). Yes, it’s available at the POEA branch, and other branches. Change your PIN after getting your atm card, then enroll in Internet banking and activate it while in the Phils because you need to activate your Internet banking at a BDO atm machine here in the Phils.

  20. Hi Ms. Nora. How can I apply BDO Debit Master Card here in Saudi Arabia. My Current Location is Jeddah Street, Al-Jubail City, Eastern Province.

  21. Hi Ismael, is there an Al-Rajhi Bank in your area? You can ask if you can open a BDO Kabayan account through them. Al-Rajhi is a remittance partner of BDO. If you can open, you will later get a passbook and a debit card but you will have to activate this debit card when you vacation in the Phils. It can’t be activated in Saudi. But you can remit to your Kabayan account for your savings.

  22. Hi Ms. Nora, im not an ofw but my parents are. I use my bdo kabayan debit card to accept remittance coming from my parents who also have bdo kabayan cards but mine doesnt have the mastercard logo on it. If I go visit my parents abroad, can I still use the card for transactions there? If not because I don’t have the MasterCard logo on it, can I get a new card with the same account but with the MasterCard logo?

  23. Hi Janna, you can’t use your card abroad if it’s without Mastercard logo. Go to your branch and request for an atm card with Mastercard logo. Tell them you’re going abroad. You write well…

  24. Hi jane, if you were able to change your default PIN here in the Phils, and if your atm card has a Mastercard logo, then find an atm with Mastercard logo so you can withdraw. Charge is around US$3.50.

  25. Hi Nora, I have bdo kabayan savings account, can I use it to withdraw here in UAE?It has MasterCard logo.Thanks.

  26. HI shirley, yes, use it an atm with Mastercard logo. Charge for atm withdrawal is 3.50 US dollars. Note though that there are times the BDO-Mastercard link is off.

  27. Hi mrs nora just wanna ask if i can use my bdo kabayan card to buy app on itunes? Hope you can answer this soon thank you miss nora leah

  28. Hi Leah, yes, if your atm card has a Mastercard logo, you can use it to pay online. There are some though, specially those issued a long time ago, that can’t be used to pay online. If yours cannot be used, register your account in BDO online banking, then if your online seller uses DragonPay, pay using DragonPay (click DragonPay among the options and then BDO, and then you will be prompted to your BDO online banking).

  29. hi! Im marlon, all the comments and your answer exactly what im searching for, but one thing i really want to ask since this question they never ask, what is the minimum money i can withdraw in my account or Let say in the atm here in dubai? Let say i need to get 10k dirhams in my account is that possible? And the charges still 3 dollar? Ur help is appreciated.

  30. Hi Marlon, BDO says it’s 3.50 US dollars per withdrawal, so it must be regardless of the amount. Here in the Philippines, the maximum atm withdrawal limit per day is 50,000 pesos and the maximum amount per atm withdrawal is 10,000 pesos. So if the exchange rate is 1 dirham = 12 pesos, you can withdraw only up to 833 dirhams per withdrawal, and your withdrawal limit for the day is 4,166 dirhams. That means you will withdraw about 5 times to accumulate 4,166 dirhams, and you’ll pay a total withdrawal fee of 17.5 US dollars. Thanks a lot for appreciating my efforts. By the way, the per-withdrawal maximum limit of 10k starts on Feb 4, 2015; the current maximum is 25k.

  31. hi, is kabayan peso savings card is also debit card even there is no named debit card on my kabayan card? can i use it like debit card to international purchases online? glad u help me.. thanks.

  32. Hi brix, if your atm card has a Mastercard logo, has an expiry date and has a 3-digit code at the back, yes, you can use it to purchase online.

  33. Hello Ms. Nora. Just want to ask who the bdo representative is in Qatar? How can I request for my latest statement of account. I called my bdo branch and the main branch but they passed my line from one person to another. I spent and wasted so much load and time already but they couldn’t answer me. I haven’t enrolled online. Please help and advise. Thank you.

  34. hi Ms. Nora I owned bdo kabayan card and used it for online booking, Im asking if there is transaction fee for it?

  35. Hi angel, sorry, I have BDO accounts but I don’t work for BDO. I only write about BDO. The BDO people you’ve called should have told you outright that it’s not possible to send you a statement of account. This statement is requested in person at the branch. Did you try asking them your balance? There’s no BDO rep in Qatar, only BDO remittance partners. You can enroll your account online, but processing will take a few months. How to enroll in BDO online banking while abroad

  36. I inquired my balance here in saudi through maestro. Why is the charge so big, the excess so big beyond the price of the ticket? So I thought there’s a transaction fee. thanks

  37. Hi Wensyl, is the ticket priced in US dollars? And your BDO account is in peso? If yes, the exchange rate for buying dollars is higher than if you sell your dollars. If you compute, do you think it’s indeed the reason for the discrepancy? By the way, for international transactions (the purchase is for an airline based or operating abroad), yes, you’re right, there could be a transaction fee. When I answered initially, I thought it was for an online booking with PAL or Cebu Pacific or others operating here.

  38. Hi Ms Nora, about my KABAYAN SAVINGS, my initial dep0sit was on June 13, 2012. Is this account still activated? Thanks. Shirley

  39. Hi shirley, if your last transaction was June 2012, I think it’s no longer active since it’s been more than 2 years without any activity.

  40. Hello nora my kabayan card have 7 digits number at the back with mastercard logo,w/ expiry date..i can not find 3 digit code as u have said before .i want to try online shopping internationally..tnx

  41. Hi kent, there should be a separate 3-digit no. on your card’s back, right side. Try the last 3 digits (rightmost) of the 7 digits you see.

  42. hi ms good am! i have kabayan savings account i always deposit. but i don’t know how much all the money i have i want to know my balance in i want to know if still activated my last deposit oct/3/2014,and also i am not reaching the 25,000 pesos a year it is allowed? please i need reply in my email. thank you.

  43. Hi sharifa, is your atm card with Mastercard logo? and did you activate it here where you were in the Phils? If yes, you can make a balance inquiry there at an atm with Mastercard logo. Since you say that you always deposit, then your account is active. The requirement is remitting money to your account from abroad at least once in 12 months. Besides, your balance is more than 10k, so your account complies with the 10k maintaining balance requirement. If your account is Kabayan, there’s no requirement of 25k deposit a year. You can ask here if you can inquire about your balance:

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