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 Hi Pinky, do you mean you have withdrawn 50,000 pesos today? If yes, then you can withdraw up to 50k pesos again tomorrow. The maximum atm withdrawal amount per day is 50k pesos. If you want to withdraw more for the day, after withdrawing 50k from the atm, withdraw the rest over the counter, at your branch. If at another branch, there could be a 100-peso charge.

  2. I want to enroll online banking because i want to update my account when im in question is if safe?the online banking

  3. Hi Wilson, yes, it’s safe if you keep your computer or smartphone secured, and you use a strong password. BDO also uses a one-time-password (OTP) sent by BDO to your phone, so this is another layer of security. The only time someone can steal your money online is when someone knows BDO online banking and knows your username and password and holds your phone with phone no. that you registered with BDO.

  4. Hello Wilson! In addition to Nora’s response, please do not access your online banking account or the phone banking app if you are connected to a public wi-fi. There is a possibility that it can be hacked. You may try to connect to a private wi-fi with a WPA2 encryption. Or you can use your cellular data connection on your phone than using wi-fi. I will be using Kabayan BDO since I will move to Canada.

    I do have a question, when you transfer funds from your bdo account to another person’s BDO account, will it ask you for your OTP? My problem is I won’t have access to a phone number yet. The phone number in my online account will not be of use when I go abroad. Please advise.

  5. Hi Ren, thanks a lot for commenting and sharing helpful information. Based on my transfers, OTP is not required for transfers to another person’s BDO account, since this is an enrolled and atm-validated account. But there could be a maximum limit. I’ve transferred only up to 10k. I don’t know if they require OTP once you transfer higher amounts, or you make multiple transfers per day. In the Send Money to any BDO account, you can transfer only up to 10k with using the Challenge question for login (again, subject to change in policy).

  6. I see. Thank you so much Nora for your response. Yes, I plan to send money to my mom’s BDO account once I am in Canada and I am worried if it will ask for an OTP. I have another question. I have 2 BDO accounts, one for payroll and one is Kabayan. I tried to enroll my Kabayan for online banking and it was not successful. I found out that you can only have one online account. So I used my existing online account and enrolled my Kabayan account there as well. My problem is, by the time I resign in my job, will it affect my online account? Since I registered my online account when I had my BDO payroll. I don’t thoroughly understand the concept of online banking yet. I’m thinking that my BDO payroll is connected with my online account so if my BDO payroll gets deactivated/inactive, it will affect my online account. I’m just confuse on how this works. Please enlighten me.

  7. Hi Ren, I had the same experience. Once your payroll account gets deactivated, your online banking will also get deactivated, since you enrolled with your payroll account. You’ll need to enroll again with your active account. After I lost my online banking, I enrolled again with my non-payroll account. It was okay for me since I’m just here in the Phils. I can activate through the atm machine any time.
    Maybe what you can do is to cancel your current online banking asap while you’re still here, then when it’s fully cancelled, enroll in BDO online banking using your Kabayan. To be sure, call BDO and ask how to delete your online banking enrolled through your payroll so you can re-enroll using your Kabayan. After re-enrolling, enroll your mother’s account into your online account while still here because you’ll have to validate that also through a BDO machine.
    I’ve read though at online forums that now, if you maintain your BDO payroll account, meaning you maintain at least 2,000 pesos in your account, your payroll account will not be closed. Confirm this also with BDO through phone.

  8. Hi nora i forgot my pin number in my bdo debit card & i tried 4 or 5 times to input my pin in POS machine. Is there any possibilities that my card will block if i tried plenty times in POS with wrong pin number? Thanks in advance.

  9. hi!, can i also use my kabayan savings card to withdraw outside Philippines? because ive tried so many times to withdraw but it cannot.please help.tia

  10. Hi aj, does your atm card have a Mastercard logo? And are you withdrawing at a machine with Mastercard logo? Before withdrawing, it’s better to make a balance inquiry first.

  11. Hi john, is the Visa logo on your atm card? Yes, you can use it as a Visa debit card. If it’s Mastercard logo, use it at Mastercard stores. If it has only the Megalink logo, you can use your atm as debit card only locally…at supermarkets that accept Megalink.

  12. Hi, Can u please let me know how much is the charge for the swipe of kabayan mastercard in uae , balance inquiry and withrawal?

  13. Hi Camille, the announced fees are 3.50 US dollars for withdrawal and 1 US dollar for balance inquiry.

  14. Hello there. I applied for a bdo kabayan atm debit card with passbook when i was in highschool. Now after 4 years i recently lost my card and had it blocked and replaced for a new one. My problem is that, my first debit card (the one i just lost) had both the visa and mastercard logos on it. Now that i got it replaced with a new one, neither of the two logos is present. The branch where i opened my account said it is because they updated their terms and conditions, that only the remitter gets to have the logos, removing me, the beneficiary of having the logos i once previously enjoyed. The thing is, my sister still has her old kabayan atm card with the mastercard, visa, megalink logos on there and she can still use it in online transactions requiring mastercard payment options (she always chooses mastercard payment option, like ordering her nso birth certificate online using mastercard). Now that i think about it, how or why does my sister can still use her kabayan atm debit card with maestro, visa, cirrus, & megalink logos on it if bdo really updated their terms and conditions? I was like stolen an ability to purchase online especially in lazada where the item ships from abroad. Please advise me if i can still have back my bdo kabayan atm debit card with mastercard, visa, megalink logos on it. Thank you so much!

  15. Hi Erwin, if that’s the new policy of BDO now, you can apply for other Mastercard or Visa debit cards that you can use for online purchases. If your SIM is Smart, you can apply for SmartMoney Mastercard with only 100 pesos. Go to SMART Money Mastercard application. If your SIM is Globe, there’s Gcash Mastercard. Go here to see Gcash Caravan schedule so you can apply for your Gcash card. Here’s my post about BPI Mastercard prepaid card — card fee is 500 pesos for 2 years. I hope you comment again about which card you got

  16. Thanks for replying! But I dont want having multiple cards since i recently lost my wallet and had all my cards blocked. Also because all my allowances is being remitted only to my kabayan debit card and it once had the mastercard logo and it has no expiration. Unlike the bpi e prepaid mastercard it costs 500 pesos and has short validity which is just 2 years. I’m also not an active smart user. I mainly use my globe sim so i might just get the gcash beep mastercard if i want to transact online again. It also appeals to me more because if i get the gcash i can use it for lrt/mrt rides as well since it has beep functionality. Lastly it is valid for 5 years and only costs 150 pesos. So that’s it. I’m a globe user it just costs a little to get one so i might give that a try. Many thanks again, Nora!

  17. Hi Erwin, I’m glad that you’re well-informed, you’re conscious about costs and you write well. Keep on!

  18. Hi ambelle, you will get UAE dirhams. Compute to convert your available balance into dirhams. Use a lower exchange rate to be sure you have sufficient funds.

  19. Hi,im her in taiwan i try to withdraw cash using my atm master card its my kabayan account,but when im trying to withdraw in 7/11 my card was lock in the atn machine,what i need to do,since the person who in charge in 7/11 told me to call in the philippines for the help,pls help me,this is my firstime to used my kabayan card,,

  20. Hi Angel, see or ask what bank owns the atm machine inside that 7/11. Then go to the bank branch nearest that 7/11, and request that they retrieve your atm card captured in their 7/11 machine. Show your IDs. It will match the name written on your captured atm card – that’s proof that you own the captured atm card. BDO can’t do anything about it because it does not own that atm machine there. Did you change your PIN at a BDO machine in the Philippines?

  21. Hi Is there minimum amount for international remittance for this kabayan account? ( I am informed that this card will turn into regular acount wth 10k as minimum if has no international remittance within 1 yr)

  22. Good day po. If I won’t be able to remit money to my atm kabyan master card, will it automatically close po? I plan to remit to it around 9months or 10 months, Thanks po. god bless po

  23. Hi alvin, BDO’s rule is that you need to remit to your Kabayan at least once every 12 months, so I think by the 9th or 10th month, your Kabayan will still be active. But to be sure, before you deposit on the 9th or 10th month, ask your family to deposit 100 pesos to your account, and if the deposit is accepted, it means your account is still active.

  24. Hello ms NOra,
    I am here in the Philippines and my usual sender is a foriegner, will it be ok that he will send he money thru BDO KABAYAN SA? If yes, then How much really is the maintaining balance?coz i read in some bdo sites thst there’s no maintaining balance with this Bdo kabayan.
    And also is it still 3.50USD if I’ll withdraw here in Philippines?
    Thanks a lot and God bless!

  25. Hi marz, yes, your sender can send money to your Kabayan account. There’s no maintaining balance requirement for Kabayan, but there must be at least one remittance from ABROAD every 12 months. If there’s no foreign remittance within 12 months, the maintaining balance requirement is 10,000 pesos. The 3.50 USD fee is only for atm withdrawals abroad. If you withdraw from a BDO atm, it’s free. God bless too

  26. I’m trying to withdraw using my bdo kabayan account outside Philippines but it says it doesn’t allowed,pls help

  27. Hi regie, does your atm card have a Mastercard logo? When you get back in the Phils, request for a Mastercard-linked atm card at your branch. If your current card has a Mastercard logo, try another machine with a Mastercard logo.

  28. Hi mrs Nora, I am currently abroad and been very happy in using my BDO atm on a monthly basis. recently, thought i had been unable to withdraw from the card, it say i reach my daily limit. however, i have not withdrawn anything from the card.

  29. Hi Joe, sorry for missing your question. I hope your concern has already been solved. If not yet, call BDO as they prefer phone call to email for account issues: toll-free from a landline there: International Access Code-800-8-6318000

  30. Hi I just want to ask. My parents sent me money from Philippines to NZ through BDO Kabayan account. will I be able to withdraw the money from any atm bank here in New Zealand? Thanks!

  31. Hello po i am.currently here in macau i am withdrawing my $300hkd from my kabayan account but the machine always say invalid transaction why is it while i was able to withdraw when.i was in hongkong?

  32. Hi Femina, does that machine have a Mastercard logo? Or maybe the ATM you used has a minimum withdrawal amount of 500 in Macau money? Like here in the Philippines, BPI has a minimum withdrawal amount of 500 pesos. Try a balance inquiry, to check if the Mastercard-BDO link works.

  33. Hello miss Nora good day, Can you please inform me how much money can I withdraw here in Dubai using my BDO ATM card? How much is the limit per one transaction ? How much is per day? Thanks and Best Regards

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