Debit Card Limits

Listed below are the BPI Debit Card limits which include the maximum purchase amount for in-store and online transactions, as well as the withdrawal limits for ATMs.

Withdrawal Limits

Type of Debit Card	Default Daily Withdrawal Amount	Maximum Number of Daily Withdrawals
BPI Debit Mastercard*	Php 20,000	6
BPI Debit EMV Cirrus Gold	Php 50,000	6
BPI Debit EMV Cirrus Red	Php 20,000	6

Note: The limits above are given to the card by default. Withdrawal limits of BPI Debit Mastercard can be adjusted via BPI Card Control in BPI Online and mobile app.

Point-of-Sale Terminal Purchase Limits

Type of Debit Card	Default Daily Purchase Amount	Maximum Number of Daily Purchases
BPI Debit Mastercard*	Php 100,000	Unlimited
BPI Debit EMV Cirrus Gold	Php 250,000	Unlimited
BPI Debit EMV Cirrus Red	Php 100,000	Unlimited

Note: The limits above are given to the card by default. Purchase limits of BPI Debit Mastercard can be adjusted via BPI Card Control in BPI Online and mobile app.

E-Commerce Purchase Limit**

Type of Debit Card	Maximum Purchase Amount per Day	Maximum Number of Daily Purchases
BPI Debit Mastercard*	Php 20,000	Unlimited

Contactless Purchase Limit***

Type of Debit Card	Maximum Purchase Amount per transaction	Maximum Number of Daily Purchases
BPI Debit Mastercard	Php 2,000	Unlimited

*Your card limits will not increase, regardless of the number of accounts linked to your BPI Debit Mastercard, as an added layer of security.

**E-Commerce spend limit is a subset of the Point-of-Sale (POS) Terminal Spend Limit. For example, if the client uses their card for an online purchase worth Php 10,000, the remaining E-Commerce limit will now be Php 10,000 and remaining POS limit is Php 90,000.

***Starting June 1, 2022, the maximum transaction amount for contactless payments using BPI Debit Mastercard will be Php 5,000.

The card limits are inclusive of any transaction fee that you may incur, when applicable. Here's the complete list of debit card fees.