2 answers
- Marlon (Manila local)📍 LocalJun 28, 2026
Most PH ATMs charge a PHP 250 fee per foreign-card withdrawal on top of your home bank's fee, and BPI/BDO/Metrobank usually cap each pull at 10,000-20,000. HSBC is the sweet spot: no ATM fee and up to 40,000 per withdrawal, though they're only in a few Manila/Cebu spots. Always pick 'decline conversion / no rate' if the machine offers one (DCC) - your home bank gives a better rate.
- PriyaJun 28, 2026
Worth knowing: BPI waives its international withdrawal fee for Debit Mastercard holders roughly Apr 15-Oct 15 (FX markup still applies). Outside that, I just took the biggest allowed pull each time to spread the flat PHP 250 fee over more cash.