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 Raquel, is your account balance 10,000 pesos or more? If less than 10k, and you are sure, it has not yet been 12 months (360 days) that you have not remitted, remit asap, so your account type will still be Kabayan and it will not require a 10k-maintaining balance. Or add to your account to reach the 10k balance or more, so it will be safe from penalty even if it is converted to a regular passbook account. After 12 months of no foreign remittance, a Kabayan account will be converted into a regular passbook account, and will require a 10k-maintaining balance. Since you have 10k or more in your account, there’ll be no penalty. Just maintain the 10k balance. You can call BDO toll free: (International Access Code) +800-8-6318000

  2. may i know what is dormant account? bec my last transactions is almost 2 years now and some more months before i will go vacation, so my savings money will be close? i cannot take it back? what is the best thing to do? my family didnt receive any notice from the bank. thank you manuel ebuen from KSA

  3. Hi manuel, dormancy occurs after 24 months without any deposit or withdrawal. How much was in your account on the 13th month of your account? Is your Kabayan balance 10,000 pesos or more? If yes, don’t worry so much, you can reactivate your account in person when you get back with 2 valid photo IDs at your BDO branch. Your money is in your account. No penalties.
    If you had less than 10k, your money has been greatly reduced by below-balance penalties.

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