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 Hi Pinky, do you mean you have withdrawn 50,000 pesos today?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.

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