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.

  4. Hi debbie, does your Kabayan card not have a Mastercard logo? If none, yes, if you’re in the Philippines, you can request for a Visa debit card. I think if you request for a change from Mastercard to Visa, you’ll pay a replacement card fee.

  5. Can I swipe my card to buy some tablet here at best buy USA using my BDO Kabayan dollar with logo MASTER?

  6. Hi Apol, yes, because your card is linked to Mastercard. Maximum limit is 25,000 pesos per day, if signature-based, and 100,000 pesos, if PIN-based.

  7. Hi Kay, yes, find a machine with Mastercard logo. Maximum withdrawal amount per transaction is 10,000 pesos, so compute the equivalent in your currency there. Consider also the maximum withdrawal amount of the atm there. To be sure, make a balance inquiry first. Fee is 1 US dollar. Withdrawal fee is around 3.50 US dollars.

  8. Can I ask I dont understand about if no remittance abroad my card will be deactivated. I got my kabayan card because of my brother he’s in KSA if he had a transaction bdo online transfer using hisa acct. To mine is that considered as remitance abroad. Is my card will remain active?

  9. Hi wendell, a Kabayan account does not require a maintaining balance as long as it receives at least one remittance from abroad every 12 months. It does not matter whether the remittance is online or through a remittance company, as long as the remittance comes from abroad. An online transfer from your brother’s BDO account to your Kabayan account is not considered a remittance from abroad. If it’s an online transfer from your brother’s Al Rajhi Bank or Bank Al Bilad account to your Kabayan account, that’s considered a remittance from abroad. Have 13 months passed, and your account has not received a remittance from abroad? Call BDO and ask if your Kabayan was already converted to a regular passbook account.

  10. Hi! Im currently here in Saudi Arabia. Can I withdraw 100,000 pesos or 8,500 Saudi Riyals from any ATM machine here? My Kabayan savings account is sufficient. Thank you..

  11. Hi Rodante, yes, if your atm card has a Mastercard logo, and if you withdraw at an atm linked to Mastercard, Maestro or Cirrus. Check also the maximum withdrawal limit of atms there. For BDO, the maximum limit per withdrawal is 10,000 pesos, and the maximum per day is 50,000 pesos. The charge is 3.50 US dollars per withdrawal. It’s good to make a balance inquiry first (1 US dollar) to check if the BDO-Mastercard connection is working.

  12. Can I convert my Debit Card into mastercard? Then if the remaining balance turns less than 10k, when does the below maintaining balance policy take effect?

  13. Hi alpfae, yes, visit your branch with your IDs and your atm card and request for a change to an atm card with Mastercard. About maintaining balance: The 300-peso penalty is applied on the last day of the 2nd consecutive month that your account is below the required maintaining balance. For example, you failed to maintain your account in Oct and in Nov, you will be charged 300 pesos on Nov 30.

  14. Hi good day, im using atm debit card with mastercard logo
    Ive already remmitted in my account but unfortunateley i forgot my pin, can i use it when i go back in the philippines?,thanks in advance,

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