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


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  1. hello po,ask lang po,i was trying to withdraw po sa aking bdo kabayan,im here at uae po,pero sabi po ng machine lageng exceeding daw po sa aking balance e hindi naman po.ex. 30k gusto ko widrawhin pero actual balance ko po is 50k.anu kaya po sa tingin niyo problema? salamat po

  2. Hi MLB, are you keying in the amount “30,000”? Convert your peso into UAE dirham, kasi dirham ang lalabas sa machine. 30k pesos is around 2,307 dirhams, so withdraw siguro “2,200” dirhams. Siguro next time remember to plan your remittance, kasi sayang din yong pera na nakukuha for atm withdrawal fee at yong sa conversion. Baka ang conversion from peso to dirham is divide by 15 or 16, hindi by 13.

  3. Hi Myas, sorry, you can use that Kabayan card only here in the Philippines. Megalink is not international. When you take your vacation, you can go to your branch and ask to replace your Megalink with a Mastercard-liked atm card.

  4. Hi,my husband deposit in my account kabayan savings last week like 3k us dollar and since I was in Doha I checked here my BALANCE and nakita ko pumasok ang pinadala nya after 5 days nagdeposit uli sya ng 2k us dollar..then di ko na balance inquire uli kasi umasa akong pumasok na.pero after 5days my husband called me na bumalik daw sknya ang 2k dollar.bakit ganon?

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