Advisory: BPI Debit Cards


The Philippine banking industry will implement acquirer-based fees for ATM transactions effective April 7, 2021.


BPI clients can continue using their BPI Debit cards at BPI ATMs free of charge.


Transaction fees may vary when using local non-BPI ATMs via BancNet. The withdrawal fee shall be automatically added to the amount withdrawn. The balance inquiry fee will be shown as a separate debit amount which will be reflected in your Statement of Account (SOA) on the day the transaction was made.

Frequently asked questions

What is Acquirer-Based ATM Fee Charging (ABFC)?

Implemented across the Philippine banking industry, Acquirer-Based ATM Fee Charging (ABFC) is a charging model wherein the fees charged to a cardholder for a withdrawal transaction or balance inquiry will be based on the fees of the other banks or ATM owners.

Why is there a change in charging model of ATM Fees?

Bangko Sentral ng Pilipinas (BSP) adopted an acquirer-based charging model, as the ATM owners or banks play a significant role in maintaining their wide ATM network. These ATM owners are responsible for deployment and maintenance of terminals, cash servicing, ATM monitoring, among others. Costs are subject to approval of BSP.

Are all banks adopting this model?

Yes, all banks are required by BSP to adopt the ABFC model.

When will ABFC implementation take into effect?

ABFC will be implemented starting April 7, 2021.

If I use my BPI Debit Card on a BPI ATM, will I be charged?

No. BPI clients can continue to use their BPI Debit cards on BPI ATMs at no cost.

Are there other fees for BPI Debit Cards?

Here's the complete table of fees for BPI Debit Cards.

Do you know how much are the ATM fees of other banks?

You may check the official announcements of the other banks regarding their ATM fees/charges. Please note that fees/charges for balance inquiry and withdrawal transactions may vary per bank or ATM owner.

If a non-BPI cardholder withdraws or does a balance inquiry on a BPI ATM, how much will BPI charge the non-BPI cardholder?

For other banks’ cardholders using BPI ATMs, fees are as follows:

Balance Inquiry: Php 2.00
Cash Withdrawal: Php 18.00

When will I see the ATM fees in my SOA?

The withdrawal fee shall be automatically added to the amount withdrawn. The balance inquiry fee will be shown as a separate debit amount which will be reflected in your Statement of Account (SOA) on the day the transaction was made.

Who can I contact for questions about my BPI Debit Card fees?

For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.



Published on February 5, 2021

  • BPI Debit Cards ABFC Advisory