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. May I know if there is BDO Kabayan ATM debit card with visa logo because I need this for me to claim my money in Paypal if there is how much is the cost.What I really need is a card with Visa logo.Hope you can answer me.Thanks.-Jordan,Caloocan City, Philippines

  2. hi miss nora

    i purchased an item on an online store using kabayan account mastercard, and after 2 days the online store cancelled my purchase and refund my it automatically credited to my bdo account?

    here’s the transaction summary..

    13 August 2014
    Payment refunded to credit card -120.00 SAR 0.00 SAR
    13 August 2014
    Transfered amount from withdrawal account to non-withdrawal account
    120.00 SAR 120.00 SAR

    can you explain this mam.


  3. 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.

  4. 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.


  5. 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.

  6. 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.

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