Partner merchants nationwide
Local in-store transaction service charge
International in-store service charge
EMV is the global standard for card payments. It uses chip card technology to ensure that every transaction is secure.
Shop, present your card at the cashier, and key in your PIN.
Transact in all BPI, BancNet, and Cirrus-affiliated ATMs locally and abroad.
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% |
International Balance Inquiry | USD 1.00 |
International ATM Decline | USD 1.00 |
FOREX Mark-Up | +1% for selling rate |
*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.
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:
For domestic toll-free calls:
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.
You may submit a written request to any branch near you. However, your request will still be subject for approval.
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.
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.
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.
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| BPI is regulated by the Bangko Sentral ng Pilipinas https://www.bsp.gov.ph
