Overview
Over
45,000

Partner merchants nationwide

Free

Local in-store transaction service charge

Note: BPI EMV Cirrus Red and BPI EMV Cirrus Gold cards are no longer offered. Existing cards will retain their validity as stated on the card.

Benefits
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EMV-enabled

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

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Easier shopping

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

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Get cash locally and globally

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

Don't miss out on the latest promotions
Oct 31, 2024

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Dec 31, 2024

Sephora Promo

Get 15% off on skincare essentials with your BPI Credit, Debit, or Prepaid Card.
Rates and fees

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

BPI ATMs

TransactionService charge
WithdrawalFree
Balance InquiryFree

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.
Frequently asked questions
Learn more about these products

BPI Debit Mastercard®

Experience convenience like no other while keeping your transactions safe and secure anywhere

BPI EMV Cirrus Gold

Enjoy cashless shopping with a higher purchase limit in over 45,000 merchants nationwide throu

BPI Amore Visa Prepaid

Pay for everything anywhere where VISA is accepted.
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