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. Hello ms nora i just wanna ask about my kabayan atm since its ok to swipe and withdraw i am just wondering how much does it cost on swiping? Im in saudi arabia. thanks.

  2. Hi mary kris, there’s no swiping fee, but the peso to dollar exchange might be higher (more pesos for one dollar). For atm withdrawal, the fee is 3.50 US dollars per withdrawal. Balance inquiry costs 1 US dollar.

  3. Hi Nora,I just wanna know if I could use my ATM card from BDO with a Master Card logo to pay bills on the restaurant or bar or on shopping? Thanks in advance.

  4. Another thing, Can somebody from outside the country deposit directly to my BDO account, just in case? Thanks again.

  5. Hi Ren, yes, they can remit or deposit directly to your account. It’s faster if they use a BDO remittance partner or a BDO correspondent bank.

  6. Hi Ren, yes, you can use it here in the Philippines or abroad. Just make sure that the restaurant, bar or store is a MasterCard merchant. It’s wise to ask them beforehand if they’re accepting Mastercard debit cards.

  7. Hi jessie, BDO’s PIN consists of 6 digits. If after 2 tries, you’re not successful, it’s better if you stop and think some more what’s really your PIN, then try again after a few hours. After 3 unsuccessful attempts, your card will be put on hold — you can try again after 24 hours. If you can no longer remember your PIN, you have to replace your atm card at your Philippine branch in person.

  8. Hi nora. I tried to withdraw cash from bdo affiliated bank here in saudi. When i checked the balance it is 21,000 then i took 3000sar since it is more or less the equivalent of 50,000 maximum withdrawal limit in ph. I took 3,000 for 3 consecutive days and just awhile ago i tried to take another 3000 (making it 4 days in a row) but i wasnt able to take and it says “sorry your transaction cannot be processed at this time” i tried with other atm machine of the same bank but its says the same message. What could have caused this? Im worried there might be something wrong…

  9. Hi Yanie, sorry I don’t know of a BDO policy that limits consecutive-day withdrawals abroad. But maybe BDO has this limit to protect account holders. You can try again after 24 hours, or you can try making a balance inquiry. You can also call BDO: toll-free if you use landline — 800-863-0011 or the same way you call others in the Phils: +632 631 8000

  10. Hi nora.Lhene here.i just want to ask which bank here in Malaysia i can withdraw some holding kabayan mastercard debit much is the charge by the way…thanks in advance

  11. Hi Lhene, find an atm machine that has a Mastercard or Maestro or Cirrus logo. Balance inquiry fee is 1 US dollar. withdrawal fee is 3.50 US dollars.

  12. can i use kabayan account enrolled on bdo online banking to purchase philippine airlines international flight in USD? Thanks

  13. Hi Jun, if your Kabayan atm card has a Mastercard logo (has an expiry date and a 3-digit security code at the back of your card), yes, you can use your debit card (just like how you use a credit card) to make an online booking and online payment on for a PAL international flight that’s priced in USD.

  14. Hi po me. I forgot to register online my kabayan savings accnt. And I brought it here in Taiwan. I like to check my savings through online but I don’t know how.. Pls help

  15. Hi Hanina, did you open your Kabayan there abroad? If yes, sorry but you can activate your atm card only at a BDO machine here in the Philippines. You can change your atm PIN only in the Philipines.

  16. Hi i have a kabayan account and i try to used it here in autralia but i cant i have asked to the bank last time if i can used it but i cant when i try but my card doesnt have any visa or mastercard it only have a megalink at the bank is it not possible to used it here

  17. Hi Chaunda, sorry, if your atm card does not have a Mastercard logo, you cannot use it there. Megalink functions only here in the Phils.

  18. Hello Nora,just i wanna asking my kabayan saving if still active or close,pls i need your reply thnks and god bless u.003340271202 Moomina B.Dibaglen,thnks again.

  19. Hello there mrs nora, i am planning to open an account (Kabayan Savings)and my question is if i open an account will they automatically give the card with a Mastercard logo (has an expiry date and a 3-digit security code at the back of your card) or i will have to tell them.
    Your response will be a great help.
    Thank you and God bless.

  20. Hi Ryan, yes, you need to tell/request the BDO officer right away because they normally issue the Megalink-only card. Usually, you’ll be asked to return after 3 to 5 days to get your ATM card. God bless too

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