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ATMs and credit cards in Philippines


ATMs and credit cards in Philippines

Visitors can also use the 6,000 ATMs nationwide to withdraw funds or ask for cash advances. The three major local ATM consortia are BancNet, MegaLink and Expressnet. International networks, like PLUS and Cirrus, are accessible with many ATMs, however Cirrus is more predominant than PLUS; however, withdrawals are often limited to 5,000 pesos. An exception is HSBC where up to 50,000 pesos is possible. Visitors who have a MasterCard/Maestro/Cirrus cards can withdraw funds or ask for cash advances at ATMs that display their logos. The most prominent MasterCard ATMs are the Express Tellers by BPI (Bank of the Philippine Islands) and the Smartellers by Banco de Oro. PLUS ATMs are not available locally as a complement by itself, but instead it is available along with Cirrus. Prominent examples include the Fasteller by Equitable PCI Bank and the Electronic Teller (ET) by Metrobank. Most MegaLink ATMs are linked to PLUS and Cirrus. Credit card holders can use VISA, MasterCard, American Express and JCB cards in many commercial locations in the Philippines but merchants would usually require a minimum purchase amount before you can use your card. Cardholders of China UnionPay credit cards can get cash advances at many BancNet ATMs (particularly of Metrobank) but cannot use their cards in point of sale transactions at the moment. Credit cards are generally not accepted for government-related transactions. In 2010, Philippine banks started to charge ₱200 per transaction for using foreign cards in their ATM machines, in addition to cash withdrawal and exchange fees already imposed by your bank. Considering small transaction limits, this adds at least 2-4% to the amount withdrawn - thus, bringing in cash and exchanging it to peso in the bank generally will be cheaper.

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Philippines Travel Guide from Wikitravel. Many thanks to all Wikitravel contributors. Text is available under Creative Commons Attribution-ShareAlike 3.0, images are available under various licenses, see each image for details.

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