EMV Cirrus Gold

Enjoy cashless shopping with a higher purchase limit in over 45,000 merchants nationwide through Express Payment System (EPS) and BancNet.

Overview

Over

45,000

Partner merchants nationwide

^Php 50,000

Default daily withdrawal amount

^Php 250,000

Default daily purchase amount

Benefits

EMV-enabled

EMV is the global standard for card payments. It uses chip card technology to ensure that every transaction is secure.

Easier shopping

Shop, present your card at the cashier, and key in your PIN.

Get cash locally and globally

Transact in all BPI, BancNet, and Cirrus-affiliated ATMs locally and abroad.

Higher limits

Enjoy higher withdrawal and purchase limits than the BPI Debit EMV Cirrus Red card.

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Credit cards

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Shopping and essentials
Installments

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Rates and fees

Fully know the charges when using your debit card, so you’re fully in control

BPI ATMs

Transaction	Service charge
Withdrawal	Free
Balance Inquiry	Free

Other local banks' ATMs*

Transaction	Service charge
Withdrawal	Service Charges may vary per bank or ATM owner.
Balance Inquiry
Withdrawal using Dollar Account
Balance Inquiry using Dollar Account

International ATMs**

Transaction	Service charge
International Withdrawal	USD 3.50 or 1.75% (whichever is higher)
International Balance Inquiry	USD 1.00
International ATM Decline	USD 1.00
FOREX Mark-Up	+1% for selling rate -1% for buying rate (vs BPI’s published rates)

*BPI has implemented an Acquirer-Based ATM Fee Charging scheme last April 7, 2021. Here's our advisory on Acquiring-Based ATM Fee Charging (ABFC).
**International banks may charge fee/s on top of BPI fee/s in order to process your transaction.
**Inclusive of Mastercard or BancNet card and payment network fees.

Complete debit card fees

Tools to assist you

Terms and conditions

Partner merchants

Debit card limits

Prefer to speak to us?

For immediate concerns, such as lost or stolen BPI debit and credit cards, please call our 24-hour BPI Contact Center:

For phones in the Philippines, international calls, and domestic long- distance:

Phone

(+632) 889-10000

For domestic toll-free calls:

Phone

1-800-188-89100

For International toll-free calls:

List of Numbers

Frequently asked questions

How do I use my BPI Debit EMV Cirrus card abroad?

ATMs (Cirrus)
You can use your BPI Debit EMV Cirrus card to withdraw in the local currency of the country that you are in at any Cirrus-affiliated ATM.

Point-of-sale (POS) terminals/in-store payments
You cannot use your BPI Debit EMV Cirrus card at POS terminals for in-store payments abroad.

How do I request for an increase in Express Payment System (EPS) spend limit for my BPI Debit EMV Cirrus card?

You may submit a written request to any branch near you. However, your request will still be subject for approval.

What is a magstripe BPI Debit card?

Magstripe, short for magnetic stripe, is the black stripe at the back of your debit card that houses your card’s data. Magstripe BPI Debit cards are not EMV-enabled yet.

BPI no longer issues magstripe cards as we have moved to EMV chip-enabled cards.

What is a BPI Debit EMV Cirrus Card?

The BPI Debit EMV Cirrus Red and Gold variants have the same basic features as the old BPI ATM Debit card. The difference is the additional security features provided by the EMV chip. You can use it to withdraw from BPI ATMs, BancNet ATMs locally, and from Cirrus-affiliated ATMs internationally. You may also use the card to pay in-store at selected Point-of-Sale (POS) terminals locally.

Here are the features of the BPI EMV Debit Cirrus cards:

EMV Chip - EMV card technology makes your transactions more secure than magstripe cards; EMV chipped cards use dynamic data to ensure that every transaction is secure.
Expiration Date - The “Valid Thru” on the face of your BPI Debit EMV Cirrus card indicates the month and year of card expiry. It has seven (7) year validity. When your card expires, you will need to have your card renewed at any branch.
New Card Design - EMV-enabled BPI Debit cards now come in a new red card design; current Gold BPI Debit cards have the same gold card design as the existing Gold BPI ATM Debit Card, but with an EMV chip.

Can I use my BPI Debit EMV Cirrus card the moment I receive it?

No, you must activate your BPI Debit EMV Cirrus card first. Once you have successfully changed your Temporary PIN, you may use your BPI Debit EMV Cirrus card for transactions.